JPH1125171A - Electronic settlement method by prepaid accounting card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote the safe spread of electronic settlement by using an electronic mail address and the bank card of a prepaid accounting card and guaranteeing delivery to an ordering person and payment to an ordering destination. SOLUTION: The ordering person 1 attaches the bank card to which a payment money amount is inputted to the electronic mail of an order and sends it to the ordering destination 4 by a machine 2 and the ordering destination 4 confirms that it is guaranteed that the bank card from the ordering person 1 is provided with a balance more than the payment money amount and sends a product to the address or electronic mail address of the ordering person 1. Then, the ordering destination 4 sends the electronic mail of billing to an electronic settlement financial institution 5 by the machine 2, attaches the additional input of a billing money amount to the bank card from the ordering person 4 and sends it by the machine 2. Thus, the safe spread of the electronic settlement is promoted.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment method using electronic mail, and more particularly, to a technique for performing electronic payment mainly through the Internet and personal computer communication.

[0002]

2. Description of the Related Art Conventionally, a general electronic payment method is based on a card number, and sometimes there is a trouble that can be seen from outside, but there is no alternative to the card number.

[0003] Electronic payment using only electronic mail cannot be performed without security assurance.

[0004]

However, there has been a problem as described below when attempting to provide the above-described electronic payment method.

That is, in order to establish a system for using the above-described electronic settlement method, a system of an electronic settlement financial institution is required, and the orderer inputs the payment amount to an order e-mail to the order destination. Send it with a bank card,
The ordering party confirms that there is more than the amount paid in the bank card from the orderer and sends the goods to the orderer's address or e-mail address, and the orderer sends the billing e-mail to the electronic settlement financial institution Electronic payment financial institution sends the payment confirmation e-mail to the orderer with the bank card from the orderer and sends the goods to the orderer. Payment is made to the ordering party after a predetermined period in which the orderer confirms that the payment amount of the payment confirmation from the institution is correct.

[0006]

In order to achieve the above object, an electronic settlement institution needs an electronic settlement method of the present invention, and in the method according to the present invention, an orderer can send an order e-mail to an order destination. Send the bank card with the payment amount entered, the ordering party confirms that there is more than the payment amount remaining in the bank card from the orderer, send the product to the orderer's address or e-mail address, Send the e-mail to the electronic settlement financial institution with the billing e-mail appended to the orderer's bank card and send it to the electronic settlement financial institution, and the electronic settlement financial institution sends the orderer's bank card to the order confirmation e-mail to the orderer. After sending the goods to the orderer and confirming that the payment amount of the payment confirmation from the electronic settlement financial institution is correct, the orderer pays after a predetermined period of time.

[0007] The present invention promotes the safe spread of electronic settlement by guaranteeing delivery to the orderer and guaranteeing payment to the orderer using an e-mail address and a bank card of a prepaid account card.

[0008]

According to the electronic settlement system of the present invention, electronic settlement can be performed safely.

As the number of electronic payments on the network increases, the method of the present invention will promote the spread of electronic payments.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS When an orderer makes an electronic settlement, the orderer and the order destination register an e-mail address in advance with an electronic settlement financial institution to create an electronic settlement account, and the electronic settlement financial institution has a memory for inputting. Issue a certain bank card,
Transactions are made between the electronic settlement accounts, and the orderer sends the order e-mail with the bank card containing the payment amount to the order e-mail, and the orderer sends the orderer's bank card over the payment amount After confirming that there is a residue, send the product to the orderer's address or e-mail address, and the ordering party attaches the billing e-mail to the electronic settlement financial institution with the orderer's bank card with the billing amount added. The electronic settlement financial institution attaches the bank card from the orderer to the payment confirmation e-mail to the orderer and sends it to the orderer to confirm that the payment amount of the payment confirmation from the electronic settlement financial institution is correct. Payment is made to the ordering party after a predetermined period in which the orderer confirms.

Embodiments of the present invention will be described below in detail with reference to the drawings. The embodiment described below shows an example of a method for performing electronic payment by electronic mail according to the present invention.

FIG. 1 is a block diagram schematically showing the configuration of the system of the present invention. In this figure, 1 is the orderer,
Reference numeral 3 denotes a network, and the orderer is connected to the order destination of 4 and the electronic settlement financial institution via e-mail, and since the e-mail is used, the order destination and the electronic settlement financial institution are also connected by e-mail. Indicates a network used by the orderer, the order destination, and the electronic settlement financial institution that can use e-mail, and the e-mail is exchanged by a machine used for e-mail, generally a personal computer.

FIG. 2 is a block diagram schematically showing a preliminary procedure for establishing the configuration of the system of the present invention.

FIG. 3 is a conceptual diagram of a bank card issued by an electronic settlement financial institution. The bank card has a memory functioning as a prepaid account card according to the method of the present invention, and can be used as an IC card, a floppy disk, etc., and an electronic settlement financial institution inputs a hidden code at the time of issuance. The orderer can input the order product, the payment amount, etc., and the order destination can input the billing amount, etc., and there is a display area where this data is developed and the contents of the account passbook can be compared and confirmed.

[0014]

As described in detail above, according to the present invention,
Electronic payments can be made safely by e-mail, which has a significant economic effect.

[Brief description of the drawings]

FIG. 1 is a block diagram schematically showing a configuration of a system according to an embodiment of the present invention.

FIG. 2 is a block diagram schematically showing a preliminary procedure for establishing a configuration of a system according to an embodiment of the present invention.

FIG. 3 is a conceptual diagram of a bank card issued by an electronic settlement financial institution in the system according to one embodiment of the present invention.

[Explanation of symbols]

1 Orderer 2 Machine used for e-mail, generally PC 3 Network, generally Internet 4 Electronic payment financial institution 5 Order destination

Claims (3)

[Claims] When an orderer makes an order and electronic settlement using an e-mail or a system, the orderer and the order destination register an e-mail address in advance with an electronic settlement financial institution, create an electronic settlement account, and make an electronic settlement. The financial institution issues a bank card protected by a well-known data protection technology with a memory that can be entered, conducts transactions between the locations of electronic settlement accounts, and the orderer pays the order amount to the order e-mail to the order destination. Send the goods to the orderer's address or e-mail address after confirming that the orderer's bank card has more than the amount paid, and send the order to the customer by electronic payment Send the e-mail to the financial institution with the billing e-mail appended to the bank card from the orderer, and send the e-mail to the orderer in the payment confirmation e-mail to the orderer With the bank card from the destination, send it to the orderer and confirm that there is no mistake in the payment amount of the payment confirmation from the electronic settlement financial institution. When you deliver the promised product, the payment is guaranteed like a prepaid card, and in this way it is safe to make electronic payment securely on the net with your e-mail address and bank card prepaid account card Electronic payment method. 2. An orderer, an ordering party and an electronic settlement financial institution which intends to make an electronic settlement, together with all or a part of the method of claim 1, electronic settlement in a writing memory of a bank card issued by the electronic settlement financial institution. Only the financial institution can enter the check code so that when the bank card is viewed by the electronic settlement financial institution, it can be confirmed that the bank card is valid and the name of the bank card holder can be known to prevent fraud. Characteristic electronic payment method. 3. The orderer, the ordering party and the electronic settlement financial institution that intends to make an electronic settlement, together with all or part of the method of claim 1 and the method of claim 2, store the bank card with the contents of the account passbook. Open the bank card file like the one on the back of a general prepaid card and see the record of the settlement so that it is the same as the record in the account passbook An electronic payment method characterized in that the contents of the electronic payment can be confirmed and trusted.