JPH1186132A - Electronic account settlement method using electronic money prepaid card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic account settlement method which uses the electronic money prepaid cards. SOLUTION: In this account settlement method, a prepaid card system is applied safely on a line of an internet 3, etc. Thus, a person ordering 1 registers his electronic mail address in advance, receives an electronic money prepaid card number, purchases an electronic money prepaid card, and sends this card to an ordering destination 2 together with the card numbers. At the destination 2, the electronic money prepaid card of the person ordering 1 is checked, based on the card No and the mail address which are added to the ordering. Then notification of balance for the prepaid card after the purchase of a commodity is sent to the mail address of the person ordering 1 for checking, after confirming that the current balance is larger than the amount of be paid. Then the payment of the prepaid card is assured at the destination 2, when the relevant commodity is delivered. Thus, electronic settlement of accounts is carried out safely in a network by means of an electronic mail address and an electronic money prepaid card.

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,
More specifically, the present invention relates to a technology for performing electronic payment mainly through the Internet and personal computer communication or other communication.

[0002]

2. Description of the Related Art Conventionally, in a general electronic payment method using a card number, there is sometimes a trouble that one card number can be seen from outside, but there is no substitute for 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 for using an electronic money prepaid card is required. Register the electronic money prepaid card No. When an electronic money prepaid card is purchased and ordered, the electronic money prepaid card No. The order destination is the electronic money prepaid card N attached to the order from the orderer.
o. Check the electronic money prepaid card of the orderer issued by the orderer from the e-mail address and confirm that there is a balance exceeding the payment amount, and notify the balance of the electronic money prepaid card after purchasing the product or e-mail the substitute notification Send it to the orderer's email address to check the address.

[0006]

In order to achieve the above object, the electronic payment method of the present invention is required with an electronic money prepaid card. According to the method of the present invention, the orderer sends an e-mail to the order destination in advance. Register other necessary items besides the address of the electronic money prepaid card No. When an electronic money prepaid card is purchased and ordered, the electronic money prepaid card No. And the order destination is the electronic money prepaid card No. attached to the order from the orderer.
Check the electronic money prepaid card of the orderer issued by the orderer from the e-mail address and confirm that there is a balance exceeding the payment amount, and notify the balance of the electronic money prepaid card after purchasing the product or e-mail the substitute notification Secure electronic payment can be performed by sending to the orderer's e-mail address to check the address.

The present invention relates to an electronic mail address and an electronic money prepaid card No. Is checked, the orderer can confirm the balance, and the orderer can guarantee the payment, thereby promoting the safe spread of electronic settlement.

[0008]

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

As the number of electronic payments on a network increases, the method of the present invention is easy to adopt and promotes the spread of electronic payments.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS When an orderer makes an electronic payment, the orderer registers an electronic mail address and other necessary items in advance with an orderee and registers the electronic money prepaid card No. When an electronic money prepaid card is purchased and ordered, the electronic money prepaid card No. And the order destination is the electronic money prepaid card No. attached to the order from the orderer. Check the electronic money prepaid card of the orderer issued by the orderer from the e-mail address and confirm that there is a balance exceeding the payment amount, and notify the balance of the electronic money prepaid card after purchasing the product or e-mail the substitute notification Send it to the orderer's email address to check the address.

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 an electronic payment using an electronic money prepaid card 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, the orderer is connected to the ordering party 2 through the network, network 3 is an orderer who can use the Internet and a network used by the ordering party, and the machine used for data transfer is generally a personal computer. Will be

FIG. 2 is a schematic block diagram showing a generalized system configuration in which electronic money prepaid cards are issued by four electronic settlement financial institutions to generalize the electronic money prepaid card of the present invention.

FIG. 3 is a block diagram schematically showing the electronic money prepaid card shown in FIG. 2 in which the orderer can surely confirm the electronic money prepaid card in the present invention.

[0014]

As described in detail above, according to the present invention,
Electronic payments can be made securely and easily on the Internet, which has significant economic effects.

[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 more generalized configuration of a system according to an embodiment of the present invention.

FIG. 3 is a block diagram schematically showing a general configuration of a system according to an embodiment of the present invention and increased security.

[Explanation of symbols]

1 Orderer 2 Ordering party 3 Network, generally Internet 4 Electronic payment financial institution 5 Online bulletin board

Claims (3)

[Claims] When an orderer makes an order and makes an electronic payment using the online such as the Internet, the orderer registers an electronic mail address and other necessary items in advance with an order destination, and stores the electronic money prepaid card No. When an electronic money prepaid card is purchased and ordered, the electronic money prepaid card No. And the order destination is the electronic money prepaid card No. attached to the order from the orderer. Check the electronic money prepaid card of the orderer issued by the orderer from the e-mail address and confirm that there is a balance exceeding the payment amount, and notify the balance of the electronic money prepaid card after purchasing the product or e-mail the substitute notification To check the address, send to the e-mail address of the orderer, the goods will be sent to the e-mail address of the orderer's registration or sendable items to the e-mail address. By sending a balance confirmation notice to an e-mail address, the orderer can confirm the change when the balance of the electronic money prepaid card changes, and in this way securely perform electronic payment on the Internet in an electronic payment method . 2. An orderer and an orderer who intends to make an electronic payment use an electronic money prepaid card in order to generalize an electronic money prepaid card of a specific orderee together with all or part of the method of claim 1. If the settlement financial institution issues an order and the order is made with an electronic money prepaid card issued by the electronic settlement financial institution, submit the collation data online to the electronic settlement financial institution, confirm it, and send the electronic money prepaid card balance notification to the electronic settlement financial institution. Alternatively, the electronic payment method is characterized in that the same processing as in claim 1 is performed after notification from the ordering party by an agreement, and the general use of the electronic money prepaid card is achieved in this way. 3. An orderer and an orderer who intends to make an electronic payment, in accordance with all or a part of the method of claim 1 and claim 2, electronically pay the collation data of an electronic money prepaid card issued by an electronic settlement financial institution. In addition to submitting and confirming to financial institutions online, using electronic bulletin boards on the technique of the Internet, electronic settlement financial institutions can post information on electronic money prepaid cards on bulletin boards using a display method that only the ordering party can understand. An electronic payment method characterized by ensuring that the orderee can be confirmed.