JPH11195072A - Account settlement system and medium where code information for account settlement is recorded - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a purchase amount of money unlimited and provide more purchase places, to settle accounts at low cost, and to secure sufficient security by settling accounts according to code information for account settlement on an issued recording medium. SOLUTION: A user opens an account at a financial institution in advance by showing his or her identification card and registers a password code to have a cash card. A payment process system manages a password code for account settlement that a reliable third institution (TTP) or financial institution has issued and informs an ATM of it, and the ATM 1 having received it issues a journal by printing the password code for account settlement at an output part 12. The issued journal has, for example, a handling day, a financial institution number, a branch number, an account number (account system), a password code for account settlement, a requester, etc., printed and, for example, a 10,000 yen ticket is known from the password code. Therefore, the user can purchase articles over the Internet or by actually visiting a store.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention is applicable to Internet payments and the like, and makes payments using receipts, journals, etc. issued by financial institutions, shops, and other devices installed at appropriate locations. The present invention relates to a system for performing payment, and a medium on which payment information for settlement is recorded.

[0002]

2. Description of the Related Art In recent years, various products such as digital contents such as illustrations, photographs, and programs have become available for purchase on the Internet. However, sending credit card numbers over the Internet has been problematic due to security problems. Not.

[0003] Also, when purchasing goods on the Internet,
Usually, there are many small ones, and as a system (micropayment system) for purchasing such a small amount of merchandise, a method of providing a recitation number with a scratch card is known.

[0004] In this method, a scratch card is purchased at a specific place such as a bookstore, and a scratch number appears when the scratch is scraped, a personal computer is connected to the Internet, and the merchandise number is purchased by inputting the scratch number of the scratch card. The settlement is performed by the recitation number.

[0005]

In the conventional micropayment system, the purchase location of the scratch card is specified, which hinders its spread. In addition, since a voucher management must be performed at a scratch card store, the cost for this is high, and the manufacturing cost of the card itself is high.

[0006] In addition, since it is sold to unspecified persons, users cannot be limited, and security costs on distribution channels increase,
There is a problem that the purchased product is limited to a small amount.

The present invention has been made to solve the above-mentioned problems, and the purchase amount is not limited, the purchase place is abundant, the settlement can be performed without cost, and sufficient security can be ensured. The purpose is to:

[0008]

According to the present invention, there is provided a medium capable of recording and / or displaying payment recitation information managed by a predetermined institution on a recording medium on condition that predetermined value information is input. Alternatively, settlement is performed based on issuing means for displaying and issuing the information on a device, and settlement recitation information of the issued recording medium. Further, the present invention is characterized in that the predetermined value information includes personal information registered with a financial institution. Further, the present invention is characterized in that the personal information includes a bank account number or a credit number. Further, the present invention is characterized in that the predetermined value information includes a planned use amount. Further, according to the present invention, on the condition that predetermined value information is input, settlement recitation information generated and managed by one or a plurality of predetermined institutions is recorded and / or displayed on a recording medium and issued. Issuance means, and in response to a payment request based on the issued recitation information of the recording medium,
The payment request amount is settled in a financial institution. Further, the present invention is characterized in that a payment at a financial institution for a payment request based on the payment recitation information is performed by transferring a predetermined amount from an established account to a dedicated account for payment processing. Further, the invention is characterized in that the settlement recitation information is added with an expiration date and / or a user attribute. Also, the present invention
As for the usage amount after the expiration date, a predetermined financial institution returns an amount corresponding to a payment request amount from an account dedicated for payment processing to an established account. Further, the present invention is characterized in that payment is refused when a payment request is made when the conditions of the expiration date and / or the attribute of the user are not satisfied. Further, the present invention is a recording and / or displayable medium issued from an issuing device managed by a predetermined institution,
When predetermined value information is input, settlement recitation information generated and managed by one or a plurality of predetermined institutions is recorded. Further, the recordable and / or displayable medium of the present invention is characterized in that the expiration date and / or user attribute is added to the settlement recitation information.

[0009]

Embodiments of the present invention will be described below. Figure 1 shows an ATM (Automatic Tell)
FIG. 2 is a conceptual diagram showing an example of a merchandise purchase settlement system of the present invention using an ATM, FIG. 2 is a diagram showing a configuration of a journal issuing system using an ATM, and FIG. 3 is an explanatory diagram of a journal issued from the ATM. . At present, ATMs are set up in every financial institution, and when deposits, withdrawals, transfers, etc. are made, journals with detailed specifications are issued. According to the present invention, a journal issued from an ATM notifies a password number for settlement.

[0010] The user opens an account with a financial institution with an identification card or the like in advance, presents a recite number and registers,
Create a cash card. As shown in FIG. 2, the user who opened the account inserts a cash card into the ATM 1 of the financial institution, inputs the registered recitation number through the input unit 11, and uses the data processing unit 13 and the interface 14 from the ATM 1 through the present invention. Is called and activated. Note that ordinary processes such as deposit, withdrawal, and transfer are performed by calling the account system 2.

When a predetermined amount of money, for example, 10,000 yen is input in a state where the payment processing system 3 is activated, the payment processing system 3 refers to the user's account through the account system 2 and confirms that the balance is more than 10,000 yen. Then
Deduct 10,000 yen from the account in the account system and move it to the corresponding account in the payment processing system. In payment processing systems, trusted third parties (Trusted Thir
d Party: TTP) or the payment number issued by the financial institution is managed, and this is notified to the ATM,
The received ATM 1 prints a password number for settlement at the output unit 12 and issues a journal.

The journal to be issued is, for example, as shown in FIG.
As shown in (a), the date of handling, financial institution number / store number, account number (account system), payment number for settlement, client, etc. are printed, and the 10,000 yen ticket from the password number may be printed. I understand it. Of course, the amount may be printed separately from the recitation number to make it easy to understand. In addition, as shown in FIG.
In addition to the verification code and amount,
A user limitation (age and gender limitation), an expiration date, and the like may be included, and the entire data may be handled as a collation code.

Returning to FIG. 1, the user is notified of the password for settlement in the journal issued by the ATM.
By using this, it is possible to purchase necessary products on the Internet or actually go to a store. The store that has sold the product by the journal issues a payment request by notifying the TTP of the recitation number for settlement. In the TTP, the financial institution is notified of the settlement password and the payment is requested, and the financial institution confirms the payment password from the account managed by the payment processing system 3 (see FIG. 2). After that, the payment is made to the TTP, and the TTP pays to the store account. The amount settled by the financial institution to the TTP may include a fee received by the store and the TTP. In addition, TTP can also make payment to a store before settlement from a financial institution.

Next, a processing flow in the financial institution will be described with reference to FIGS. FIG. 4 is a diagram showing a journal issuing processing flow. The user inputs the recite number and the usage amount registered in the ATM (steps 21 and 22),
Further, when the expiration date is input or set by the payment processing system (step 23), the payment processing system checks whether the account balance of the account system is larger than the input amount (step 24). The amount corresponding to the input amount is transferred from the account to the account of the payment processing system (step 25), and the journal is issued by printing the settlement number from the ATM (step 2).
6). If the account balance of the account system is less than the input amount, the process ends and no journal is issued.

FIG. 5 is a diagram showing a flow of processing for settlement to TTP. When there is a payment request from the TTP, the payment processing system 3 collates the password for settlement (step 31,
32) If the passwords match, the payment request is accepted and the payment processing from the account of the payment processing system to the TTP is executed (steps 33, 34, 36). If the passwords do not match, the payment request is made. Not accepted (Step 3
5), the process ends without performing the payment process.

FIG. 6 is a diagram showing a time limit management processing flow. It is determined from the settlement number in the journal whether or not the term is expired (step 41). If the term is expired, it is determined whether or not the term is expired (step 42). (Step 43).

In the above description, when publishing a journal, the input amounts are individually transferred from the account of the account system to the account of the payment processing system, but all the amounts are transferred to one account of the payment processing system. May be pooled so as to be associated with the amount of each journal issued, and without transferring the account, each account is provided with a sign that associates with the amount of the journal, In addition to the payment to the TTP, the amount may be processed to be frozen during the expiration date. Also, the description has been made such that the password for settlement is issued by the TTP and managed by the payment processing system, but may be managed by the data processing unit of the ATM and printed when the journal is issued. If the user is informed in some way and the user keeps a record of it, it is possible to make a payment in a format in which the recite number is not printed on the ATM. In the above system, T
Although the TP issues the password for settlement, the financial institution may issue it directly. Further, the TTP may be set in the financial institution, or the TTP may be omitted for settlement.

In the above description, a bank is assumed as a financial institution. Next, a system for performing settlement by a financial institution such as a credit company will be described. FIG. 7 is a diagram illustrating a system for issuing a settlement password by an issuing device installed in a credit company. In FIG. 7, a user attaches an identification card or the like in advance, presents his / her bank account, signs a contract with a credit company, registers a password or the like, and creates a credit card. When a user inserts a credit card into a credit company issuing device (not shown), enters a password, and enters a predetermined amount, the user issues a receipt printed with a recite password for settlement issued from TTP. The user can use this to purchase necessary commodities on the Internet or actually go to a store. The store that has sold the product with the receipt makes a payment request by notifying the TTP of the recitation number for settlement. In TTP, a credit request is sent to a credit company by notifying a password for reimbursement, and the credit company checks the bank account and makes a payment to TTP. Do.

In the above example, the settlement password is printed on a recording medium issued by a financial institution such as a bank or a credit company, but the present invention is not limited to this. For example, an issuing device capable of communicating with an institution that issues a settlement password may be installed at a convenience store, a gas station, or the like, and the receipt password issued on the receipt issued by the issuing device may be printed. When a predetermined amount of money is put in the payment receipt, a receipt on which the payment password transmitted from the institution that issues the payment password through a communication line is printed. Further, based on a contract between the company that manages the issuing device and the user, if a predetermined input is made instead of money, a receipt printed with a password for settlement may be issued.

[0020]

As described above, according to the present invention, when a receipt corresponding to a voucher for settlement is purchased from the issuing device, a password number for settlement is notified through this receipt, so that the following effects can be achieved. Can be.・ Since the issuing devices are installed all over the country, there is no need to worry about where to purchase the receipt. -Since the receipt with the recitation number is passed directly to the purchaser's hand, there is no need to scratch as in the past. Further, since the prior art is used, the issue unit price can be suppressed. -Since it is managed in financial institutions, credit companies, and management companies, there is no cost for managing vouchers and inventory management is not required. -In the case of financial institutions, only account holders can purchase vouchers, so attributes (users such as age and gender restrictions) can be added to the recitation number itself, and market information can be obtained. -It is possible to add security to the purchased amount itself by using a registered password number such as a payment password number, a cash card, a credit card, or the like.・ It is not limited to small payments. -Information such as expiration date and payee can be added to the recitation number itself.・ In the case of financial institutions, we can expect a profit from pooled gold investment.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a product purchase settlement system according to the present invention.

FIG. 2 is a diagram showing a configuration of a journal issuing system using an ATM according to the present invention.

FIG. 3 is an explanatory diagram of a journal according to the present invention.

FIG. 4 is a diagram showing a journal issuing processing flow.

FIG. 5 is a diagram showing a flow of a payment process to TTP.

FIG. 6 is a diagram showing a processing flow in a case with a time limit;

FIG. 7 is a diagram showing another example of the product purchase settlement system according to the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... ATM, 2 ... Account system, 3 ... Payment processing system, 11 ... Input part, 12 ... Output part, 13 ... Data processing part, 14 ... Interface.

Continuation of front page (72) Inventor Hiroshi Makino 1-1-1 Matsunami, Yamagata City, Yamagata Prefecture

Claims (11)

[Claims] 1. On the condition that predetermined value information is input, settlement recitation information managed by a predetermined organization is recorded on a recording medium and / or displayed on a displayable medium or device and issued. A settlement system for performing settlement based on issuing means and issued recitation information of a recording medium issued. 2. The settlement system according to claim 1, wherein the predetermined value information includes personal information registered with a financial institution. 3. The settlement system according to claim 2, wherein the personal information includes a bank account number or a credit number. 4. The settlement system according to claim 2, wherein the predetermined value information includes a planned use amount. 5. An issuance in which payment recitation information generated and managed by one or a plurality of predetermined institutions is recorded and / or displayed on a recording medium and issued on condition that predetermined value information is input. Means, and a payment institution, wherein a payment request amount is settled at a financial institution in response to a payment request based on the issued recitation information of the recording medium. 6. The system according to claim 5, wherein in the settlement at the financial institution for the payment request based on the recitation information for settlement, a predetermined amount is transferred from an opened account to a dedicated account for payment processing. Payment system characterized by performing. 7. The settlement system according to claim 5, wherein the settlement recitation information is added with an expiration date and / or an attribute of a user. 8. The system according to claim 7, wherein the scheduled usage amount after the expiration date corresponds to a payment request amount to an account opened from a dedicated account for payment processing at a predetermined financial institution. A settlement system characterized by returning an amount. 9. The settlement system according to claim 7, wherein the payment is rejected when a payment request is made when the condition of the expiration date and / or the attribute of the user is not satisfied. . 10. A recordable and / or displayable medium issued from an issuing device managed by a predetermined institution, which is generated and managed by one or more predetermined institutes when predetermined value information is input. A storage medium on which is stored the recitation information for settlement. 11. The medium according to claim 10, wherein an expiration date and / or a user attribute are added to the settlement recitation information.