WO2009113175A1 - Equipement informatique, programme de gestion d'un équipement informatique, procédé de paiement électronique et son système - Google Patents

Equipement informatique, programme de gestion d'un équipement informatique, procédé de paiement électronique et son système Download PDF

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Publication number
WO2009113175A1
WO2009113175A1 PCT/JP2008/054742 JP2008054742W WO2009113175A1 WO 2009113175 A1 WO2009113175 A1 WO 2009113175A1 JP 2008054742 W JP2008054742 W JP 2008054742W WO 2009113175 A1 WO2009113175 A1 WO 2009113175A1
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WIPO (PCT)
Prior art keywords
electronic
information
document
transfer
unit
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PCT/JP2008/054742
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English (en)
Japanese (ja)
Inventor
杉中順子
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緒方延泰
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Application filed by 緒方延泰 filed Critical 緒方延泰
Priority to PCT/JP2008/054742 priority Critical patent/WO2009113175A1/fr
Publication of WO2009113175A1 publication Critical patent/WO2009113175A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • the present invention relates to a technology for an information processor that can be selectively connected by a router to the Internet and a dedicated network attached to the Internet, and that can transmit and receive various types of information. It relates to electronic payment technology.
  • Patent Document 1 proposes a network connection service providing apparatus that can selectively connect the Internet and another private network (dedicated network) provided side by side with the Internet via a router.
  • This device makes it possible to set and register special access authority for a dedicated network. When an access request is received from a communication terminal having an address for which access authority is registered, this device can relay to the dedicated network. When an access request is received from a communication terminal having an unregistered address, switching control is performed so as to relay to the Internet.
  • security for information transmitted and received on a dedicated network is improved.
  • electronic settlement with this financial institution server is possible under higher security than in a mode in which electronic payment is performed on the Internet.
  • An object of the present invention is to provide an information processing device, an information processing device management program, an electronic payment method, and a system thereof that realize electronic payment performed using a dedicated network smoothly and with high reliability. .
  • An information processing device is an information processing device that is connectable to the dedicated network on the condition that it has an authority to connect to a dedicated network provided along with the Internet, and is capable of transmitting and receiving various types of information.
  • a display unit for displaying an image, an operation unit for instructing from outside, a storage unit for storing information, a notifying unit for notifying the outside of information to the outside, and a control means including a computer,
  • the storage unit temporarily stores an electronic reception document, which is a document in electronic form transmitted via the dedicated network, and a specification for storing specific information for specifying the information processor owner
  • An information storage unit and a specific address storage unit that stores a specific address on a dedicated network of a management organization that manages predetermined information.
  • a notification control means for notifying that a surface has been received via the notification unit and an electronic transmission document corresponding to the electronic reception document based on an instruction from the operation unit are created.
  • a transmission document creation processing means for attaching the specific information to a predetermined position of the electronic transmission document, and a specific address of the specific address storage unit and a transmission source address of the electronic reception document as a transmission destination of the created electronic transmission document Address setting means for setting at least one of the above, and the created electronic transmission document is transmitted to the set address via the dedicated network.
  • the information processing device becomes an authority, for example, a member, for connecting to a dedicated network provided along with the Internet, so that various information files (documents, etc.) are relayed through the dedicated network.
  • the notification control means notifies that the electronic reception document has been received via the notification unit, and the transmission document creation processing means corresponds to the electronic reception document based on an instruction from the operation unit.
  • An electronic transmission document, which is a document, is created, and specific information is attached to a predetermined position of the electronic transmission document.
  • At least one of a specific address of the specific address storage unit and an address of the sender of the electronic reception document is set by the address designating unit, and the created electronic transmission document is stored in the dedicated network. Sent to the address set via.
  • the electronic payment system using the information processing device is connected to an information processing device configured to create and transmit an electronic transfer document for the electronic bill, a dedicated address, and a specific address.
  • a computer of a management institution having authority to connect to a dedicated network, one or more vendor computers (merchant terminals) sending out the electronic invoice, and at least one financial authority to connect to a dedicated network
  • An electronic payment system comprising an institutional computer (financial institution terminal unit), wherein the management institution computer stores a management imprint storage unit for storing an imprint of the information processor owner and the information via the dedicated network. Check the imprint of the electronic transfer document sent from the processor and the imprint of the management imprint storage unit.
  • the transfer amount of the electronic transfer form is It is characterized by comprising a transfer processing instruction means for giving an instruction to transfer from the account of the information processor owner to the account of the trader.
  • the imprint of the information processing device owner is stored by the management imprint storage unit of the management institution computer, and the information processing device is verified by the verification unit of the management institution computer via the dedicated network.
  • the imprint of the electronic transfer document sent from the mail and the imprint of the management imprint storage unit are collated, and when the collation result is the same, the electronic transfer document is transmitted to the financial institution computer via the dedicated network.
  • the bank transfer instruction unit of the bank computer receives the electronic transfer form, an instruction is executed to transfer the transfer amount of the electronic transfer form from the account of the information processor owner to the merchant account.
  • information transmitted / received to / from the information processing device is separated from the Internet, and information created by a personal computer terminal connected to the Internet so as to be able to communicate is separated from the dedicated network. It is possible to realize transmission and reception of information performed by using, mainly electronic settlement, smoothly and with high reliability.
  • FIG. 1 is an overall schematic configuration diagram of the Internet and an electronic payment system according to the present invention. It is a functional block diagram of the consumer terminal part which comprises the electronic payment system which concerns on this invention. It is a functional block diagram of the modem of a contractor terminal part. It is a functional block diagram of the server of a financial institution terminal part. It is a functional block diagram of a management organization computer. It is a flowchart of the starting process which the control part of the modem of a consumer terminal part performs. It is a flowchart of the reception alerting
  • FIG. 1 is an overall schematic configuration diagram of the Internet and a dedicated network system.
  • the system shown in FIG. 1 mainly includes a consumer terminal unit 1 disposed in a consumer, a store, etc., a merchant terminal unit 2 disposed in a store or a company, and one or more representatives represented by a bank.
  • a financial institution terminal unit 3 disposed in the financial institution, and a management institution computer 4 disposed in the management institution that performs overall management and storage of information between the terminal units 1 to 3 are provided.
  • This system includes a dedicated network 6 separate from the Internet 5 and the Internet 5.
  • the dedicated network 6 relays the dedicated network 6 by giving the authority to connect only to those who are members of established organizations among consumers, traders and financial institutions. It enables information exchange between members.
  • each of the terminal units 1 to 3 is connected to both the Internet 5 and the dedicated network 6 so as to be communicable via a contracted provider (ISP).
  • ISP contracted provider
  • FIG. 1 the provider ISP is described separately for the Internet 5 and the dedicated network 6, but it may be a combined organization. Further, it is sufficient that each terminal unit 1 to 3 is connected to the dedicated network 6, and it is not always necessary to connect to the Internet 5.
  • the management organization computer 4 is connected to a dedicated network 6.
  • the management institution computer 4 may be installed in one of the provider ISPs.
  • FIG. 2 is a functional block diagram of the consumer terminal unit constituting the electronic settlement system according to the present invention.
  • FIG. 3 is a functional block diagram of a modem as an embodiment of the information processing unit of the supplier terminal unit.
  • FIG. 4 is a functional block diagram of the server of the financial institution terminal unit.
  • FIG. 5 is a functional block diagram of the management institution computer.
  • a consumer terminal unit 1 includes a modem 10 (information processing unit) connected to a provider ISP, a personal computer (hereinafter referred to as a personal computer terminal) that can be connected to the modem 10 and has a monitor 11a composed of a liquid crystal screen or the like.
  • 11 and an input unit 12 that is connected to the personal computer terminal 11 and includes a mouse and a keyboard for inputting information and instructing information display to information processing.
  • the modem 10 has a rectangular housing having a predetermined shape, for example, a modulator and a demodulator for executing an original function, and an input / output wiring terminal at an appropriate surface.
  • the modulator modulates information generated by the personal computer terminal 11 and the modem 10 as will be described later into a signal form that can be transmitted by the networks 5 and 6, and the demodulator receives signals received from the networks 5 and 6.
  • the signal is demodulated into a signal form that can be processed by the modem 10 or the personal computer terminal 11.
  • the modem 10 includes a display unit 13 configured to display an image, which includes a liquid crystal panel and a plasma display panel, and an operation unit 14 including a touch panel stacked on the display unit 13 at appropriate positions on the surface.
  • a touch panel a well-known electric type, ultrasonic type, optical type, and the like using a pressure sensitive element can be adopted.
  • the storage unit 110 described later stores in advance the images displayed on the display unit 13 in association with the coordinates of their display positions and the pressing operation position of the touch panel. As a result, which of the images displayed on the display unit 13 is selected can be specified from the information of the pressed detection position.
  • the notification unit 15 is made of a lamp, such as an LED, that can be visually lit from the outside, and is provided on the surface of the casing of the modem 10.
  • the notification unit 15 is not limited to light (including blinking, color change, and the like), and may be a buzzer or a speaker that emits sound or sound.
  • the modem 10 includes a control unit 100 and a storage unit 110.
  • the control unit 100 includes a communication control unit 101, an activation control unit 102, a notification control unit 103, an opening information creation unit 104, a transfer form creation unit 105, an address designation unit 106, and a display control unit 107.
  • the storage unit 110 includes a received document storage unit 111, a transmission original document storage unit 112, an imprint storage unit 113, a specific information storage unit 114, a management institution address storage unit 115, a ledger (passbook) storage unit 116, and a display image storage unit 117. I have.
  • a processing program for causing the modem to perform various operations is stored in the ROM area portion (including an aspect of being installed from the outside).
  • the communication control unit 101 also executes processing as a control unit (not shown) of the router 121, and is a file created from the personal computer terminal 11 or by the operation unit 14 and the control unit 100 of the modem 10 and to be transmitted to the outside.
  • Information is distributed (routed) to the Internet 5 or the dedicated network 6 as a packet signal of a predetermined format, and the packet signal received from the outside is guided to the modem 10 or the personal computer terminal 11 (the personal computer terminal 11 When a plurality of units are connected, routing is performed to lead to one of them.
  • the communication control unit 101 determines whether the address information indicating the transmission destination added to a predetermined position of each packet as a transmission or reception signal is a global IP address based on the Internet 5 protocol or a method of attaching a global IP address. Is a process for identifying a predetermined local IP address according to, for example, Ethernet (registered trademark) for the dedicated network 6, which is different from the global IP address (in a form that can be identified from the global IP address).
  • Ethernet registered trademark
  • the start control unit 102 performs processing for starting the modem 10 and making it operable.
  • the modem 10 is configured such that the original function portion is always operating, while the functions other than the original function receive an operation from the outside and shift from the sleep state to the start state.
  • a certain permission is requested. That is, when the activation control unit 102 receives a pressing operation on a specific button that is always displayed on the display unit 13, the activation control unit 102 generates an activation request signal in the form of a packet and sends this activation request signal to the management institution computer 4. To be sent.
  • the modem ID (identification information) set in the modem 10 and the provider ISP to the modem 10 (or at least the part where the modem 10 is connected) stored in the specific information storage unit 114 are stored.
  • Information including identification information of a fixed communication line public telephone wiring
  • the activation control unit 102 receives an activation permission signal returned from the management institution computer 4 in response to the activation request signal, the activation control unit 102 is permitted to accept an operation input to the operation unit 14.
  • the modem is removed from the original fixed communication line and connected to another fixed communication line. For example, unauthorized use such as so-called “spoofing” or data alteration
  • the access made for the purpose can be surely prevented.
  • the button for the activation request operation may be an aspect in which one mechanical activation request button is provided at an appropriate position of the casing of the modem 10 instead of the aspect displayed on the display unit 13.
  • the management institution computer 4 includes at least a verification unit 401 and an information update processing unit 402 as the control unit 400, and includes at least a member data storage unit 411 and a history ledger storage unit 412 as the storage unit 410.
  • the member data storage unit 411 is like a member list, and is set in the member name, a local IP address on the member's dedicated network, an electronic seal stamp which is an electronic form of a seal for electronic payment of each member, and the modem 10
  • the modem ID and the identification information of the fixed communication line from the provider ISP to the modem 10 are stored in association with each other.
  • the collation unit 401 collates the identification information included in the received activation request signal with the identification information stored in the member data storage unit 411, and the received signal is transmitted from the modem 10 to which the reception signal is properly connected. It is to check whether it is a thing or not. If it is a proper activation request signal, the collation unit 401 generates an activation permission signal and outputs it to the modem 10 of the transmission source. Otherwise, the verification unit 401 does not generate the activation permission signal.
  • the notification control unit 103 turns on the notification unit 15 to notify the outside that there is an incoming signal.
  • the notification mode may be continuous, but may be intermittent (periodic) in consideration of power saving and the like.
  • the unsealing information creation unit 104 Upon receipt of a display instruction from the operation unit 14 for displaying information on an incoming call on the display unit 13, the unsealing information creation unit 104 displays the incoming call information on the display unit 13, creates an unsealing signal, and displays the unsealing signal. A signal indicating that the information has been displayed is transmitted to the transmission source of the incoming call information via the dedicated network 6. Thus, the sender can know (confirm) whether or not the transmission information has been browsed on the receiving side, and preferably even the date and time of browsing.
  • the transfer form creation processing unit 105 determines whether or not the incoming information captured in the received document storage unit 111 has a predetermined form as an invoice, and an electronic invoice that is an invoice in electronic form. When it is determined that there is, processing corresponding to payment for the bill is executed in accordance with an operation from the operation unit 14.
  • the transfer form creation processing unit 105 creates an electronic transfer form for an electronic invoice based on an instruction from the operation unit 14 by using an electronic original transfer form as a template in the present embodiment, and the electronic transfer form.
  • An electronic seal stamp is attached to a predetermined position. Further, the electronic original transfer document is stored in advance in the transmission original document storage unit 112. The electronic seal stamp is stored in advance in the seal stamp storage unit 113.
  • the electronic invoice contains the general contents of the invoice, such as the date and time of the invoice, the invoice destination, the payee (transfer destination), the account number of the payee's financial institution, the invoice amount, etc., in a prescribed format. .
  • the electronic original transfer document is a document in which information on the transfer side including the transfer corresponding to the owner of the modem 10 and the account number of the financial institution of the transfer is written in a predetermined format.
  • the transfer form creation unit 105 in addition to the date at a predetermined location of the electronic original transfer form, the transfer destination that is the sending source of the corresponding electronic invoice, the transfer destination financial institution The general contents as an invoice such as an account number and a transfer amount corresponding to the charged amount are entered (filled in). Further, in an aspect having an internal timer (calendar), the transfer form creation unit 105 may automatically post the date, and may automatically post the amount charged on the electronic invoice as the transfer amount.
  • the transfer form creation unit 105 reads out the electronic seal stamp from the seal stamp storage unit 113 and transfers it to a predetermined position on the electronic payment form.
  • the transfer form creation unit 105 can also be set as the aspect by which the electronic seal stamp was transcribe
  • the display image storage unit 117 stores guide images necessary for creating a transmission document, that is, images such as guidance (character strings, symbols, etc.) and push buttons (yes, no).
  • the display control unit 107 sequentially displays guidance images and buttons on the display unit 13 in accordance with the creation procedure.
  • the transfer document creation unit 105 supports the operator to smoothly input by pressing the corresponding image. For example, the guidance of "Do you want to make a transfer” and the buttons "Yes" and “No” are displayed.
  • the button “Yes” is pressed, a list of untransferred invoices is displayed and “Transfer” Please specify with the cursor the invoice to perform. ", And” upward cursor "and” downward cursor "as symbols.
  • the address designating unit 106 sets the address of the financial institution with which the modem owner is dealing as the destination of the created electronic transfer document. Further, the address designating unit 106 indicates that the electronic transfer form or the transfer instruction has been given to the management institution computer 4 stored in the management institution address storage unit 115 and the payee in addition to the transaction financial institution. These addresses may be set in order to transmit a simpler notification (substantially equivalent to an electronic transfer document). In particular, when assigning payee addresses, the payee name can be posted according to the guide image, or can be posted automatically from an electronic invoice, and linked to this posting process. It is good also as an aspect which sets a corresponding address automatically.
  • Each of the terminals 1 to 3 has an address designating unit for managing information that needs a response between all or the terminals 1 to 3, that is, information that has been sent and received, as a history, and a management organization computer 4 is preferable to transmit information in parallel. In this way, in each of the terminals 1 to 3, even if the data is lost or the data is deleted due to an erroneous operation, the history confirmation can be recovered or confirmed via the management institution computer 4. It becomes possible.
  • the ledger storage unit 116 stores information received by the modem 10 and information transmitted from the modem 10 in order of time so as to be managed as a history.
  • the electronic invoice and the electronic transfer form are recorded in the ledger sequentially, and in some cases, transfer payments are also considered.
  • transfer payments are also considered.
  • the electronic money transfer notification form it is possible to check the deposit / withdrawal status from the ledger as necessary.
  • the amount is extracted from the document and transferred to the amount column of the ledger, so that it also has a function as a passbook.
  • the display image storage unit 117 stores various images for operation guides, and also stores images of various basic forms or formats (so-called templates) of documents to be created. May be.
  • images of various basic forms or formats such as, for example, sender information, financial institution information, account number information, seal stamp information, money amount information, and the like.
  • the merchant terminal unit 2 may also receive bills from other merchants. In this case, the merchant terminal unit 2 is omitted in the figure because there is no difference from the modem 10 of the consumer terminal unit 1.
  • the modem 20 has the same function as the modem 10 of the consumer terminal unit 1.
  • the modem 20 has the same configuration as the personal computer terminal 11, the input unit 12, the display unit 13, the operation unit 14, and the notification unit 15.
  • the modem 20 of the trader terminal unit 2 further includes a bill creation unit 201 for issuing an electronic bill, and a receipt creation for creating an electronic bill that is a receipt in electronic form after a transfer is made.
  • Part 202 is provided.
  • An electronic original bill and an electronic original receipt as a model of the electronic bill and electronic receipt are stored in the storage unit 210 corresponding to the storage unit 110 of the modem 10 described above.
  • These templates include at least a billing party, an electronic seal stamp as information for identifying the billing party, and an account number of a financial institution with which the billing party deals (transfers). Therefore, when issuing an invoice or issuing a receipt, necessary information is input (filled in) in accordance with an operation from an operation unit (not shown) connected to the modem 20.
  • the modem 10 includes a bill creation unit 201 and a receipt creation unit 202 of the modem 20.
  • the financial institution terminal unit 3 includes a server 30 that receives an electronic transfer document received from the other terminal units 1 and 2 via the dedicated network 6.
  • the transfer processing instruction unit 301 of the server 30 transmits the information to the settlement processing computer 3A of the financial institution as transfer instruction information.
  • the settlement processing computer 3A moves the transfer amount from the transfer requester's account to the transfer destination account (performs transfer processing) in accordance with the transfer instruction information.
  • the transfer process instructing unit 301 creates a transfer process end notification for notifying the end of the transfer process at the same time or in consideration of the time lag when the transfer process by the settlement processing computer 3A is performed. It transmits to the management organization computer 4.
  • the settlement processing computer may transmit a transfer end signal to the server 30 as a trigger at the end of the transfer process, and the server 30 may receive this trigger and create the transfer process end notification.
  • a normal inter-bank payment may be performed in accordance with the contents of the electronic transfer.
  • the management institution computer 4 includes at least a processing unit 40 and a storage unit 41.
  • the processing unit 40 includes at least a collation unit 401 and an information update processing unit 402.
  • the storage unit 410 includes at least a member data storage unit 411 and a management ledger storage unit 412.
  • the member data storage unit 411 stores (registers) each member's specific information (modem ID and fixed communication line identification information) and an electronic seal that is an electronic seal of the registered seal. Further, the member data storage unit 411 stores (registers) various pieces of information related to members such as the name (name), address, and account number of the financial institution that deals with each member.
  • the management ledger storage unit 412 stores information transmitted and received in each terminal unit 1 to 3 for each member, and stores all information transmitted in parallel in the chronological direction. Every time information is received by the information update processing unit 402, the contents are updated and stored in the management ledger storage unit 412 in the register of the corresponding member through the member identification process. Therefore, if a member wants to browse information about himself / herself, he / she can update his / her information as necessary on the condition that the collation unit 401 determines that the access is appropriate if a browsing request is transmitted to the management institution computer 4. Can be viewed.
  • the imprint information is stored only in the management institution computer 4, and when the imprint is attached, the imprint request is issued from each of the terminal units 1 to 3, so that the imprint information is transmitted from the management institution computer 4 to the requested terminal unit. It is good also as a mode transmitted to. Thereby, it is possible to improve the security against the seal. Further, a mechanical mouse or a numeric keypad can be used as the operation unit 14 instead of the touch panel, or a voice input unit including a microphone and a voice recognition unit can be provided.
  • FIG. 6 is a flowchart of the startup process executed by the modem control unit of the consumer terminal unit.
  • it is determined whether or not there is an instruction for activation processing (step S1). If there is no instruction, the process passes through as it is. Next, the process waits until an activation permission signal is received from the management institution computer 4 (step S5). If received, the process shifts to a state of waiting for an operation input from the operation unit 14 (step S7).
  • FIG. 7 is a flowchart of the reception notification process executed by the modem control unit of the consumer terminal unit. It is determined whether or not a file (such as a document) has been received (step S11). If there is no file (through S11), the process proceeds as it is, and if there is, an instruction to turn on the lamp of the notification unit 15 is output (step S13).
  • a file such as a document
  • FIG. 8 is a flowchart related to the unsealing process executed by the control unit of the modem of the consumer terminal unit.
  • the presence / absence of an instruction for opening process is determined (step S21).
  • an unsealing signal is created and transmitted to the destination and to the management institution computer 4 (step S25).
  • FIG. 9 is a flowchart of reception processing executed by the control unit of the modem of the consumer terminal unit. It is determined whether or not a file (document, etc.) has been received (step S31). It is determined whether or not the extracted IP address is a global IP address. If the determination is affirmed, the received signal is guided to the personal computer terminal 11 as being a received signal relayed through the Internet 5 (step S37). . On the other hand, if the determination is negative, the received signal is guided to the modem 10 as being received via the dedicated network 6 (step S39) and temporarily stored in the received information storage unit 111. .
  • FIG. 10 is a flowchart of transmission processing executed by the control unit of the modem of the consumer terminal unit.
  • a process for creating transmission information (such as a document) is executed (step S51), a process for attaching seal information to the created document is performed (step S53), and a process for assigning a local IP address of a transmission destination is further performed (step S53).
  • step S55 a transmission process is executed upon completion of creation or a transmission instruction (step S57).
  • the present invention is configured to input information using the display unit 13, it may be configured to use the monitor 11 a of the personal computer terminal 11 for display only. That is, the control unit 100 of the modem 10 outputs and displays the document to be created on the monitor 11a and outputs the input information from the operation unit 14 to the transfer document creation unit 105 in the modem 10, and also on the monitor 11a. Is also sent to support confirmation by visual confirmation of the created document.
  • the document creation is completed, the document created by the transfer book creation unit 105 of the modem 10 is targeted for transmission to the dedicated network 6 so that the text displayed on the monitor 11a is not output to the modem 10. . In this way, by exchanging information between the modem 10 and the personal computer terminal 11, even if the personal computer terminal 11 is infected with a virus, a virus-infected document is transmitted to the dedicated network 6. None happen.
  • the present invention has been described as a preferred embodiment of the information processor that also serves as a modem housing.
  • the present invention is not limited to this, and the information processor may also be used as a router housing.
  • it may be a device having an independent housing.
  • the present invention is not limited to the creation of invoices generated during shopping, and transfer forms for the bills, and can be applied to various electronic document creation processes.
  • medical-related information documents with hospitals documents containing personal information with government offices, financial accounting information documents for individuals, business owners (individuals), individual tax-related documents, individual education
  • financial accounting information documents for individuals for individuals, business owners (individuals), individual tax-related documents, individual education
  • individual education It can also be applied to the preparation and sending / receiving of related information documents, individual legal information documents, individual insurance information documents, bank processing documents, Juki Internet information documents.
  • the present invention is an information processing device that can be connected to the dedicated network on the condition that it has the authority to connect to the dedicated network provided together with the Internet, and can transmit and receive various types of information.
  • a reception information storage unit that temporarily stores an electronic reception document, which is a document in electronic form transmitted via the dedicated network, and specification information that stores specification information that specifies the information processing device owner A storage unit; and a specific address storage unit that stores a specific address on a dedicated network of a management organization that manages predetermined information.
  • Electronic control that is a document in electronic form, corresponding to the electronic reception document based on an instruction from the operation unit, and a notification control means for performing notification operation through the notification unit that there is reception of a surface
  • a transmission document creation processing means for creating a document and attaching the specific information to a predetermined position of the electronic transmission document, and sending the specific address of the specific address storage unit and the electronic reception document as a transmission destination of the created electronic transmission document Address designation means for setting at least one of the original addresses, and the created electronic transmission document is transmitted to the set address via the dedicated network.
  • the control means transmits an activation request signal for requesting information processor activation permission to the specific address in response to an instruction from the operation unit, and receives the activation permission signal from the specific address. It is preferable to provide activation control means for activating the information processor. According to this, since an operation input to the information processing device can be performed only after receiving an activation permission from an organization having a specific address, so-called unauthorized access due to impersonation or data alteration can be prevented. .
  • the electronic reception document is an electronic bill that is a bill in an electronic form
  • the specific information storage unit includes an electronic seal and transaction of the seal of the information processing device owner as the specific information.
  • An account of a financial institution is stored
  • the notifying unit notifies that the electronic bill has been received via the notifying unit
  • a transmission document creation means is provided from the operation unit.
  • the electronic bill is created in electronic form for the electronic bill, and the electronic imprint of the specific information storage unit and the account of the transaction financial institution are each in a predetermined position of the electronic bill.
  • the address designation means includes a specific address in the specific address storage unit and a small number of addresses of a sender of the electronic bill as a destination of the generated electronic transfer document.
  • control means includes an opening information creating means for creating opening information in response to an instruction from the operation unit and displaying the received document on the display unit.
  • Information is preferably transmitted to the specific address. According to this, since the sender of the document is notified that the received document has been browsed, the sender can easily know that the document has been browsed.
  • the storage unit includes a passbook storage unit that stores an electronic passbook that is an electronic form of the passbook, and the control means updates the contents of the electronic bill and the electronic transfer book. It is preferable to record in an electronic passbook. Thereby, the consumer can check his / her own savings / savings information without going to the bank where the transaction is made.
  • the present invention is connected to an information processing device configured to create and send an electronic transfer form for the electronic bill, a computer connected to a dedicated network, having a specific address, and a dedicated network.
  • An electronic payment system comprising a computer of one or a plurality of vendors having authority to ship the electronic bill and a computer of at least one financial institution having authority to connect to a dedicated network, A management imprint storage unit for storing the imprint of the information processor owner, and a comparison between the imprint of the electronic transfer document transmitted from the information processor via the dedicated network and the imprint of the management imprint storage unit When the collation result is a match, the electronic transfer document is sent to the financial institution computer via the dedicated network.
  • a transfer process for instructing to transfer the transfer amount of the electronic transfer form from the account of the information processing device owner to the account of the merchant when receiving the electronic transfer form.
  • An instruction means is provided.
  • the information processing unit attaches identification information of its own information processing unit and identification information of a fixed communication line connecting the information processing unit and the private network when transmitting the electronic transfer document.
  • the verification means stores information processor identification information in association with the identification information of the fixed communication line connecting the information processor and the private network.
  • the authenticity of the electronic transfer book is determined from the identification information of the information processor that has transmitted the electronic transfer book and the identification information of the fixed communication line that connects the information processor and the private network. It is preferable to do this. This makes it possible to prevent so-called unauthorized access due to impersonation or unauthorized access for the purpose of data alteration.
  • the merchant computer when notified of the transfer from the financial institution computer, sets the source address of the electronic transfer form and creates an electronic receipt that is an electronic form of the receipt. It is preferable that a receipt creation means is provided so that the created electronic receipt is transmitted to an address that is a transmission source of the electronic transfer document and at least an address that is a transmission source of the electronic transfer document of the specific address. According to this, it is possible to easily confirm that the money transfer has actually ended at the sender of the transfer document.
  • the present invention is to create a required document in an information processing device that is connectable to the dedicated network on the condition that it has the authority to connect to a dedicated network provided with the Internet, and that can transmit and receive various information.
  • electronic settlement is mainly realized with smoothness and high reliability.

Abstract

Un équipement informatique transmet et reçoit divers fichiers d'informations (feuilles, etc.) par l'intermédiaire d'un réseau spécialisé en obtenant d'une autorité l'autorisation d'être connecté au réseau spécialisé installé parallèlement à Internet, par exemple en devenant membre du réseau spécialisé. Un moyen de traitement de création de feuille à transmettre crée une feuille électronique à transmettre correspondant à une feuille électronique reçue sur la base des instructions de l'opérateur et joint en même temps des informations particulières à un emplacement prédéfini sur la feuille électronique à transmettre. Un moyen d'attribution d'adresse configure une adresse particulière ou l'adresse de l'expéditeur de la feuille électronique reçue à titre de destination de la feuille électronique à transmettre. Ce système permet d'assurer un paiement électronique sûr et régulier.
PCT/JP2008/054742 2008-03-14 2008-03-14 Equipement informatique, programme de gestion d'un équipement informatique, procédé de paiement électronique et son système WO2009113175A1 (fr)

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PCT/JP2008/054742 WO2009113175A1 (fr) 2008-03-14 2008-03-14 Equipement informatique, programme de gestion d'un équipement informatique, procédé de paiement électronique et son système

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PCT/JP2008/054742 WO2009113175A1 (fr) 2008-03-14 2008-03-14 Equipement informatique, programme de gestion d'un équipement informatique, procédé de paiement électronique et son système

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CN103258293A (zh) * 2012-02-17 2013-08-21 冲电气工业株式会社 帐票处理装置、金融处理系统以及帐票处理程序

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JPH1185881A (ja) * 1997-09-08 1999-03-30 Toshiba Corp 電子振込方法及び電子振込システム
JP2001319054A (ja) * 2000-05-02 2001-11-16 Nichido Fire & Marine Insurance Co Ltd 保険業務処理システム
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