JPH11134303A - Transaction processor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it difficult to perform leakage or stealing on a transmission path, and to surely and easily confirm the person himself at low costs by performing the approval of transaction qualification in voice conversation and in a preliminary timing different from the actual transaction in a transaction processor for operating transaction processing to a terminal connected with a network. SOLUTION: This device is provided with a transaction qualification approving means 1-2 for judging the approval of transaction qualification to the origin of transmission based on voice information received by a voice information transmitting and receiving means, transaction qualification issuing means 1-3 for issuing transaction qualification approval information, and transaction qualification confirming means 1-4 for confirming the transaction qualification approval information when a transaction request is issued from a transaction terminal connected with a network, and stopping the transaction processing when it is unjust.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention provides a transaction qualification to a trader in all media transactions conducted using a network, confirms that the transaction has been approved, and processes the transaction with a transaction terminal. And a transaction processing device for executing the transaction.

[0002]

2. Description of the Related Art In a transaction using a network,
In many cases, various passwords are set as a method for confirming the transaction qualification, and the password is entered at the start of the transaction to confirm the transaction qualification. However, in this method, there is a possibility that the password is leaked or stolen during the transmission of the password on the transmission line.

[0003] In response to this, in the transmission of a password, the contents encrypted by the encryption technique are transmitted, and the receiving side confirms the transaction qualification based on the result of decryption. But,
With encryption, the cost increases and the operation becomes complicated. In addition, the authority to determine various passwords is often determined by the trader, regardless of the degree of importance of the transaction, and in the case of mail-order sales and consumer finance transactions, which have been increasing in recent years, the trader As a leader, misuse can cause crime and trouble.

[0004]

The transaction authority has the right to determine the password, and the operation management of the password cannot be controlled by the transaction provider, causing crime and trouble. Low confidentiality due to leakage or theft on the transmission line. Further, when the encryption method is adopted, the operation is complicated at high cost.

The present invention has been made to solve such a problem, and it is an object of the present invention to provide a transaction processing apparatus capable of securely and easily performing identity verification at low cost.

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides a transaction processing apparatus which is connected to a network and trades with a transaction terminal connected to the network. Transaction qualification means for determining whether to approve the transaction qualification for the source of the voice information based on the voice information received by the voice information transmission / reception means, and A transaction qualification issuing means for providing transaction qualification approval information to a source of the voice information when the qualification approval means determines that the transaction information has been approved; and a transaction qualification approval when receiving a transaction request from a transaction terminal connected to the network. And a transaction qualification confirmation unit for checking the information and stopping the transaction processing if the transaction qualification approval information is invalid.

Further, the transaction qualification issuing means records the time at which the transaction qualification approval information was issued to the source of the voice information, and the transaction qualification confirmation unit corresponds to the received transaction qualification approval information. It is desirable to check the issuance time and check the validity of the transaction qualification. That is, the present invention is characterized in that it is difficult to leak or steal on a transmission line by performing the approval ID of the transaction qualification by voice conversation and at a different timing from the actual transaction.

[0007] All media transactions using the network (including telephones, faxes, personal computers, various automated devices, information processing devices, etc., including all terminal devices that can perform online transactions, regardless of wireless or wired) At
When trading for the first time, the trader conducts a customer information registration conversation and submits personal information and credit information. The customer information registration unit sets up voiceprint characteristic information, personal information, and credit information in the transaction qualification management unit based on the customer information registration conversation and the submission information.

[0008] At the start of the transaction, the trader makes a business application by voice information using a telephone or the like, and conducts a voice conversation to obtain an approval ID of the transaction qualification. The transaction qualification approval unit assesses the content including the personal information of the transaction start applicant and past transaction information, and issues a transaction qualification approval ID by the transaction qualification issuing unit only when it is determined that there is no problem. When it is determined that there is a problem, the transaction qualification approval ID is not issued.

[0009] The trader who has received the trade qualification approval ID,
The transaction is started by the corresponding transaction terminal, but at the start of the transaction, the transaction qualification approval ID received earlier is input, and the transaction qualification confirmation unit certifies that the transaction qualification has been approved. The transaction qualification confirmation unit performs a process of confirming whether the input transaction qualification approval ID is valid and the transaction is within a predetermined transaction qualification valid time. That is, the transaction qualification ID needs to be input within a valid time from the time of issuance, and if not input within this time, the issued transaction qualification ID is canceled by the transaction qualification canceling unit. When a cancellation is received, the cancellation counter is incremented by one. After the transaction qualification issuance time, a specific time value, which is a standard for determining how long the transaction qualification approval ID is valid, can be arbitrarily set or changed by the external setup unit.

When the issued transaction qualification approval ID is revoked, the trader needs to start again from the voice conversation to obtain the transaction qualification approval ID. In addition, a system is adopted in which a trader whose cancellation counter value exceeds a specified count value is not reissued. The external setup unit can arbitrarily set and change the time and the specified number of times.

The above-mentioned transaction start applicant's personal information, voiceprint characteristic information and credit information in the credit information of past transaction information, transaction qualification approval ID, transaction qualification issuance time, transaction qualification effective time, specific time value, regulation The counter for the number of times and the number of cancellations are managed by the transaction qualification management unit. As described above, the transaction qualification approval ID is received by voice conversation and the transaction qualification approval ID is input within a predetermined time (trade qualification valid time), so that the password of the transaction provider can be changed. Issuance and operation management can be easily realized, and it is difficult to leak or steal passwords on the transmission line,
Low cost and secure network transactions are realized.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described with reference to FIGS. 1, 2, 3, 4, and 5. FIG. FIG. 1 is an explanatory diagram of the present invention, wherein 1 indicates the entire information processing system (transaction processing device), and indicates the functional relationship of the system. 1-1 is a customer information registration unit which uses the input data from the setup terminal 2 and the telephone exchange network 3 for the customer's voiceprint characteristic information, personal information and credit information, a specific time value, a specific number of times, etc. 1-8. 1-2 is a transaction qualification approval unit that has a function of assessing the status of a customer by voice conversation for acquiring a transaction qualification approval ID performed prior to actual transaction.

1-3, a transaction qualification issuing unit issues a transaction qualification approval ID when the transaction qualification approval unit 1-2 determines that there is no problem in the assessment, and sends a transaction qualification issuing time and a transaction qualification management unit 1-8 to the transaction qualification management unit 1-8. It has a function to memorize it along with the transaction qualification effective time. 1-
Reference numeral 4 denotes a transaction qualification confirmation unit that has a function of confirming the input transaction qualification approval ID at the time of actual transaction performed from the transaction terminal 5 and the network 4. Reference numeral 1-5 denotes a transaction qualification canceling unit having a function of canceling the transaction qualification approval ID when it is determined that there is a problem in the process of the transaction qualification checking unit 1-4. Reference numeral 1-6 denotes a transaction processing unit, which has a function of performing an actual transaction when an evaluation without any problem is received by the 1-4 transaction qualification confirmation unit. An external setup unit 1-7 has a function of arbitrarily setting and changing externally the management information in the transaction qualification management unit 1-8 in cooperation with the setup terminal 6.

An embodiment will be described following the flow of a transaction. The processing flow uses FIGS. 2 to 5. In the figure,
Denotes a customer information registration process, a transaction qualification ID acquisition process by voice conversation, an actual transaction process, and an arbitrary change process of an external setup value. When a trader starts trading for the first time as shown in the processing flow 1 of FIG. 2, the trader applies for a new business by telephone. In the overall diagram of FIG. 1, the function of the 1-1 customer information registration unit is activated, and while the customer information registration conversation from the telephone line network 3 is being made, personal information and the like are transmitted from the setup terminal 2.
The credit information and voice characteristic information from the telephone are secured and stored in the transaction qualification management unit 1-8. When a trader makes an application using documents such as an initial transaction application form, relevant information is input from the setup terminal 2 and stored in the transaction qualification management unit 1-8. A combination of telephone and application documents may be used. These processes are customer information registration processes.

The acquisition of voice characteristic information in the case of an initial transaction application using only documents is performed by calling a customer at the time of registering information with the 2 setup terminal and acquiring it during a conversation. Of course, the contents of the initial transaction application form and the customer information in the customer information registration conversation,
Although there is a process for confirming the degree of trust of the customer, details are not shown here. Here, a time value from when the transaction qualification ID is passed to the customer until the actual transaction is executed, a specific time value, and a prescribed number of times of the number of times of cancellation when there is a cancellation process are also set here. With these, the initial information of the trader (customer) is completed as customer information registration processing, and the telephone is disconnected.

Flow 2 of FIG. 3 shows a telephone conversation for obtaining a transaction qualification ID as a pre-process for starting an actual transaction. With reference to the transaction qualification management unit 1-8, the function of the transaction qualification approval unit 1-2 is used to judge whether a transaction qualification approval ID should be issued. At this time, it is also determined whether or not the counter of the past number of cancellations does not exceed the specified number of times, and if so, a more detailed check process of customer information is performed. When the customer information detailed check is good, the cancellation counter is cleared and a transaction qualification is issued. If the number of transactions is within the specified number and the customer information is judged to be normal, the transaction qualification
D is issued, and the function of the transaction qualification issuing unit 1-3 performs this.

At this time, the transaction qualification approval ID, the transaction qualification issuance time, and the transaction qualification effective time are stored in the transaction qualification management unit 1-8. The transaction qualification ID is a randomized number, a symbol issued by a method determined by a specific agreement, or the like. The transaction qualification issue time uses a timer value or the like managed by the information processing system. Further, the transaction qualification effective time is calculated by calculating a time obtained by adding a specific time value to the transaction qualification issuance time. There is also a method of automating operations at a telephone operator terminal using a voice response device or the like.

The trader who has obtained the trade qualification approval ID is shown in FIG.
As shown in the processing flow 3, the transaction terminal 5 and the network line network 4 are used to execute the actual transaction. The transaction terminal includes all media transactions, that is, telephones, faxes, various kinds of automation equipment, information processing equipment, and the like. That is, in an actual transaction irrespective of wireless or wired, the acquired transaction qualification approval ID is first input.
The transaction qualification confirmation section 1-4 compares the current transaction time with the transaction qualification validity time of the transaction qualification management section 1-8, and checks whether or not the transaction is within a specific time. If the time is over, the transaction approval ID is canceled, the cancellation counter is incremented by 1, and the processing is terminated. This is performed by the transaction qualification canceling unit 1-5. If it is within the time, it is checked whether the input transaction qualification approval ID matches the content stored in the transaction qualification management section 1-8, and if the verification is successful, the transaction processing section 1-6 performs actual transaction processing. .

When the transaction qualification of the customer is changed by the detailed check of the customer information or the like, the contents of the transaction qualification management unit 1-8 are changed by using the external setup unit 1-7 and the setup terminal 6. With the above flow, low cost, reliable and easy,
Operation of trading qualifications in network transactions becomes possible.

[0020]

According to the present invention, by changing the right to determine a password from the trader side to the trade provider side, the operation management of the password can be controlled by the trade provider side, and crime and trouble can be prevented beforehand and telephone conversation can be performed. , The voiceprint characteristic information can be registered and checked, and the confidentiality can be improved.
Further, it is possible to make it difficult to leak or steal the transaction qualification approval ID on the transmission line, and to realize a transaction qualification operation method for network transactions that is reliable at low cost and easy to execute and operate.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of the present invention.

FIG. 2 is a flowchart illustrating processing according to the present invention (part 1);
It is.

FIG. 3 is a flowchart illustrating processing according to the present invention (part 2);
It is.

FIG. 4 is a flowchart illustrating processing according to the present invention (part 3);
It is.

FIG. 5 is a flowchart illustrating processing according to the present invention (part 4);
It is.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Information processing system (transaction processing apparatus) 1-1 Customer information registration part 1-2 Transaction qualification approval part 1-3 Transaction qualification issuance part 1-4 Transaction qualification confirmation part 1-5 Transaction qualification cancellation part 1-6 Transaction processing part 1-7 External setup unit 1-8 Transaction qualification management unit 2 Setup terminal 3 Telephone network 4 Network network 5 Setup terminal

Claims (2)

[Claims] 1. A transaction processing device connected to a network for conducting a transaction with a transaction terminal connected to the network, comprising a means for transmitting and receiving voice information, and a voice received by the voice information transmitting and receiving means. Based on the information,
Transaction qualification approval means for determining whether or not to approve the transaction qualification for the source of the voice information; and when the transaction qualification approval means determines the approval, the transaction qualification approval information is transmitted to the source of the voice information. A transaction qualification issuing means for providing the transaction qualification information when the transaction qualification information is received from a transaction terminal connected to the network, and canceling the transaction processing if the transaction qualification approval information is invalid. A transaction processing device comprising a confirmation unit. 2. The transaction qualification issuing means records the time at which the transaction qualification approval information is issued to the source of the voice information, and the transaction qualification confirmation unit responds to the received transaction qualification approval information. The transaction processing device according to claim 1, wherein the issue time is confirmed, and the validity of the transaction qualification is checked.