JP2001325550A - Method and system for electronic settlement, and program storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make suppressible the damage of electronic settlement caused by illegal use. SOLUTION: A payment account 101a which is connected to a network 102 is newly provided, a time deposit transfer means 103 deposits only an amount that a user sets in the payment account 101a, and the main account 101 of the user is disabled as to electronic settlement through a network 101.

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, an electronic payment system, and a program storage medium in which payment is made over a network such as the Internet.

[0002]

2. Description of the Related Art In an electronic merchandise transaction using a network such as the Internet, it is necessary to send a price of a purchased product or service to a remote purchaser by some means. In order to quickly and inexpensively transfer funds to such remote locations, electronic payment methods for electronically transferring the funds have been developed. One of the electronic payment methods is electronic credit payment using a credit card, for example. This is a computerized process in which a user requests a financial institution to transfer funds,
It is called access-type electronic payment.

[0003] For example, in electronic credit settlement in face-to-face transactions, first, a user gives a credit card to a store. The store uses a terminal connected by a dedicated line or a public line to send a credit inquiry request to a financial institution, and receives this response to determine whether or not to perform credit settlement. Also,
In electronic credit settlement in network transactions at electronic stores such as the Internet, users first
The credit card information is sent from a network terminal such as a personal computer to the electronic store. At the electronic store to which the credit card information has been sent, a credit inquiry is made to the financial institution in the same manner as described above. In an electronic transaction by such an electronic store, the electronic store and a financial institution may be connected via the Internet.

[0004]

However, in face-to-face sales and telephone transactions, spoofing is not easy because the other party is authenticated by face or voice. However, in a transaction on a network having no face or voice information, spoofing is relatively easy. When a purchase of a product that the user has not actually performed occurs due to the spoofing, in the access type electronic payment such as the electronic credit payment, the payment in the purchase of the product is performed without the user being aware.

[0005] In addition, if a user's account at a financial institution used for electronic settlement is connected to a network such as the Internet, even if the transaction is a fake transaction in which no purchase of merchandise has actually occurred. In some cases, electronic payment is performed due to spoofing. Either way, a debit of money that the user does not recognize will occur from the user's account. Such damage to the user will not be known until the user checks the status of his / her account.

[0006] The present invention has been made to solve the above problems, and has as its object to suppress damage caused by unauthorized use of electronic payment.

[0007]

According to the electronic settlement method of the present invention, a payment account for electronic settlement of a user is provided separately from a main account contracted with the user, and a payment account is set at every predetermined time interval. At the time of the above check, transfer between the main account and the payment account so that the balance of the payment account is a preset amount at the time of the check, and the payment account has an electronic balance equal to or greater than the balance of the payment account. When an out-of-spec request that requires payment is made, the response to the electronic payment request to the payment account is stopped during a predetermined corresponding period. According to the present invention, the electronic settlement exceeding the balance of the payment account is stopped during the corresponding period. In the above invention, when an out-of-specification request occurs, the user is notified of the occurrence of this out-of-specification request within a corresponding period. In addition, after reporting the occurrence of a non-scheduled request to the user, if the user approves an additional transfer from the main account to the payment account for the amount of electronic payment in the non-scheduled request, add it within the corresponding period Make a transfer.

The electronic settlement system of the present invention is provided separately from a main account contracted with a user, and is provided with a payment account for electronic settlement of a user who is connected to an electronic network, in advance. At the time of checking every time interval,
Periodic transfer means for transferring between the main account and the payment account at the time of the above check so that the balance of the payment account is a preset amount, and the balance of the payment account for the payment account via the network A non-scheduled request detecting means for detecting the occurrence of a non-scheduled request that requires electronic settlement of the electronic payment, and a request for electronic settlement to the payment account during a predetermined response period when the non-scheduled request detecting means detects the non-scheduled request. And an unspecified request responding means for stopping a response to the request. According to the invention,
The occurrence of the electronic payment exceeding the balance of the payment account is detected by the out-of-specified request detecting means, and the out-of-specified request responding means stops the electronic settlement during the corresponding period.

In the above invention, when the out-of-specified request detecting means detects the out-of-specified request, the out-of-specified request reporting means for reporting the occurrence of the out-of-specified request to the user within a corresponding period is provided. Report the occurrence of an external request to the user. A user connection means connected to the network for receiving an instruction from the user regarding transfer between the main account and the payment account; and a main account and a payment based on the instruction from the user accepted by the user connection means. By providing account control means for transferring to and from an account,
Transfer is performed between the main account and the payment account according to a user's instruction via the network.

[0010] The program storage medium of the present invention is provided in advance between a main account and a payment account for electronic payment of the user, which is provided separately from the main account contracted with the user. At the time of checking at each time interval, performing a transfer so that the balance of the payment account is equal to a preset amount, and a non-standard request in which the payment account is required to make an electronic payment equal to or more than the balance of the payment account. And stopping the response to a request for electronic payment to the payment account during a predetermined response period. In the present invention, when an out-of-specification request occurs, a step of reporting to the user that this out-of-specification request has occurred within a corresponding period may be added.

[0011]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a configuration diagram illustrating a configuration of an electronic payment system according to an embodiment of the present invention.
In the present embodiment, an example in which an electronic settlement system is used in Internet bank 100 is described. The net bank 100 using the present electronic settlement system first performs a contract (settlement) of a monetary transaction via a main account 101 in which a user's deposit is stored and an electronic network 102 such as the Internet. Payment account 101a
And

In the payment account 101a, for example, 50,000 yen is stored as a balance at the beginning of the month so that the regular transfer means 10
By means of 3, transfer is made from the main account 101. If the balance of the payment account 101a at the beginning of the month is 30,000 yen, the periodic transfer means 103 transfers 20,000 yen from the main account 101 to the payment account 101a. Also,
If the balance of the payment account 101a at the beginning of the month is 50,000 yen, the regular transfer means 103 does not perform the transfer. It should be noted that the transfer by the periodic transfer means 103 is not limited to the beginning of the month, and may be performed, for example, on the 25th of every month or every Monday. Further, in the above description, the periodic transfer unit 103 performs the transfer so that the payment account 101a has a balance of 50,000 yen, but the present invention is not limited to this. The periodic transfer means 103 may perform the transfer at predetermined intervals so that the payment account 101a has 20,000 yen as the balance.

Further, the amount requested through the network 102 is transferred from the payment account 101a to the requested destination. For example, when the user purchases a product by mail order at the online shopping store 105 on the network 102 using the terminal 104 composed of a personal computer or the like, the online shopping store 105 transmits the product via the network 102. Is requested to the net bank 100 for a transfer of an amount corresponding to the price of the Internet bank. Upon receiving the transfer request, the net bank 100 transfers the above-mentioned amount from the payment account 101a to the designated account of the online mail-order store 105. Therefore, no matter how much money the user has deposited in the Internet bank 100, electronic payment of more than the balance of the payment account 101a cannot be performed. This report can be made electronically, for example, by e-mail or FAX, and can be made electronically.

The internet bank 100 also includes an out-of-spec request detection means 106, and the out-of-spec request in which the amount of the transfer request to the pay account 101a exceeds the balance of the outgoing account 101a at the time when this request occurs. Was detected. In addition, when the out-of-specified request detecting means detects an out-of-specified request, the out-of-specified request responding means 1
07 stops responding to a request for electronic payment to the payment account 101a. Internet bank 100
When the out-of-specification request detecting unit 106 detects an out-of-specification request, the out-of-specification request reporting unit 108 reports to the user that the out-of-specification request has occurred.

On the other hand, the net bank 100 has a main account 101
And an account control means 109 for performing control such as transfer in the payment account 101a. The account control means 109 is connected to the network 102 via the user connection means 110 to which only the user can connect. Therefore, the account control means 109 can be used only by the user. The user connects to the account control means 109 via the network 102 and the user connection means 110 and issues an instruction to the account control means 109 to control the transfer such as transfer between the main account 101 and the payment account 101a. Can be.

For example, if the user connects the terminal 104 to the account control means 109 via the network 102 and the user connection means 110, the user can obtain the main account 101 and the payment account 10
1a, the main account 101 and the payment account 1
01a balance inquiry and transaction history confirmation can be performed. The balance inquiry can be performed by transmitting account balance data to a user terminal via a network. Also, the transaction history can be confirmed by transmitting the transaction history of the account to the terminal via the network. In such a case, if the already confirmed data is not transmitted, the data transmitted to the user terminal is reduced, and the load on communication can be reduced.

In the case where the non-specified request is generated as a result of a purchase actually made by the user, the user who has been notified of the occurrence of the non-specified request by the non-specified request reporting means 108, makes this fact. Aware. In such a case, if the user sends an instruction to transfer the shortage amount to the payment account 101a to the net bank 100 via the network 102 by the terminal 104, for example, the instruction is received by the user connection means 110, and The transfer is performed by the control means 109.

Next, the electronic settlement method according to the present embodiment will be described with reference to the flowchart of FIG.
First, in step S101, a transfer is made from the main account to the payment account so that the balance is, for example, 50,000 yen at the beginning of the month. In step S102, it is determined whether or not the balance confirmation due date for the payment account has come. For example, when the balance confirmation due date starts at the beginning of the month, the process returns to step S101 and the payment account is set to 50,000 yen. Transfer from the main account. On the other hand, if the balance confirmation date has not been reached, it is determined in step S103 that a request for electronic payment has occurred. Here, the process returns to step S102 while the electronic settlement request has not been issued. On the other hand, for example, when a request for withdrawal is made to the payment account from the online mail order store, that is, when a request for electronic payment is generated, in step S104, it is determined whether or not the request for electronic payment is a non-defined request described above. I do.

If the amount of the debit request for the payment account is equal to or less than the balance of the payment account, that is, if the electronic settlement request is not a non-standard request, step S10
In response to the request for electronic payment (5), the requested amount is transferred to the account specified in the electronic payment request. On the other hand, if the electronic payment request is a non-specified request, the process proceeds to step S106, and the response to the electronic payment request is temporarily stopped. At this time, in response to the electronic payment request, for example, a message such as “Abnormality has occurred and is temporarily stopped until this investigation is completed” may be returned.

In addition, the user is notified that an unspecified request has occurred. This report may be made electronically by using e-mail or FAX, as described above, and can be made electronically. For example, information on a pre-registered user's e-mail address may be referred to, and an e-mail to the effect that the out-of-specification request has occurred may be automatically sent to this e-mail address. When an out-of-specification request occurs, this may be artificially reported to the user. For example, the report may be made to the user by telephone.

Next, the process proceeds to step S107, and waits for an instruction from the user during the set response suspension period.
For example, if the non-regulated request is generated as a result of a purchase actually made by the user, and if the user instructs (accepts) additional payment, the process proceeds to step S108, and the shortage amount is transferred from the main account to the payment account. Then, the process proceeds to step S105 to respond to the request for electronic payment. On the other hand, if the user's consent has not been obtained during the set response suspension period (step S109), the electronic payment request is investigated. This check is, for example, a credit check of a party who has requested electronic payment.

Incidentally, the above-mentioned electronic settlement method may be realized by the control processing unit 301 as shown in FIG. FIG. 3 is a configuration diagram showing another embodiment of the electronic payment system of the present invention. The control processing unit 3 is controlled by a program stored in a storage unit 303 connected via a bus 302.
01 controls a main account 304, a payment account 305 and a network connection 306 connected by a bus 302,
The operation shown in the flowchart of FIG. 2 is performed. That is,
The following programs are stored in the storage unit 303,
The electronic payment method described above is realized by the operation of the control processing unit 301 according to this program.

The storage unit 303 stores a predetermined time interval between the main account and a payment account for electronic payment of the user, which is provided separately from the main account contracted with the user. At the time of the check, a step of performing a transfer so that the balance of the payment account is a preset amount, and an out-of-specification request for electronic payment of the payment account equal to or more than the balance of the payment account occurs. Stopping the response to the electronic payment request to the payment account during a predetermined response period, and, in addition to the above, responding to the user that the non-standard request has occurred if the non-standard request has occurred. And a step of reporting within a period.

As described above, in the electronic settlement according to the present embodiment, a payment account to be connected to the network is newly provided, and only the amount set by the user remains in the payment account. The main account is in a state where electronic payment via the network cannot be performed. Therefore, even if the electronic payment requested via the network is impersonation unrelated to the user, according to the present embodiment, the electronic payment is not made beyond the amount prepared in the payment account. The damage caused by unauthorized use of electronic payments will not exceed the amount provided in the payment account.
For example, if the transfer is made between the main account and the payment account so that the balance of the payment account is 20,000 yen at the time of the periodic transfer at the beginning of the month, the damage due to unauthorized use of electronic payment will be reduced. , Up to 20,000 yen.

In the above-described embodiment, the payment using the online mail order has been described as an example. However, the present invention is not limited to this, and access-type electronic payment such as credit card payment, debit card or bank card payment is possible. Applicable to settlement. Further, in the above-described embodiment, the personal computer connected to the network is used as the terminal. However, the present invention is not limited to this. For example, a mobile terminal or a mobile phone wirelessly connected to the network may be used as the terminal. The same is true. Further, it goes without saying that the present embodiment can be applied not only to the Internet but also to a network using a dedicated line. Further, in the above-described embodiment, a small transaction between an Internet bank and a general user has been described as an example. However, the present invention is not limited to this, and may be applied to electronic settlement in a transaction between companies.

[0026]

As described above, according to the present invention,
A new payment account connected to the network was set up, and only the amount set by the user was deposited in the payment account.This has the advantage of being able to reduce the damage caused by unauthorized use of electronic payment. can get.

[Brief description of the drawings]

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

FIG. 2 is a flowchart illustrating an electronic payment method according to an embodiment of the present invention.

FIG. 3 is a configuration diagram illustrating a configuration of an electronic payment system according to another embodiment of the present invention.

[Explanation of symbols]

101: Main account, 101a: Payment account, 102: Network, 103: Periodical transfer means, 104: Terminal,
105: Internet mail-order store, 106: Non-standard request detecting means,
107: Non-specified request responding means, 108: Non-specified request reporting means, 109: Account control means, 110: User connection means.

Claims (8)

[Claims] Claims: 1. A payment account for electronic settlement of a user is provided separately from a main account contracted with the user, and the balance of the payment account is previously set at a check point at a preset time interval. Provision is made such that a transfer is made between the main account and the payment account at the time of the check so that the payment amount is the set amount, and the payment account is required to be settled more than the balance of the payment account. An electronic payment method comprising: stopping a response to a request for electronic payment to the payment account during a predetermined response period when an out-of-service request occurs. 2. The electronic settlement method according to claim 1, wherein when the out-of-specified request occurs, the occurrence of the out-of-specified request is reported to the user within the response period. Payment Method. 3. The electronic settlement method according to claim 2, wherein after the occurrence of the non-standard request is reported to the user, a payment of the electronic settlement or more in the non-standard request is made from the main account. An electronic payment method, wherein the additional transfer is made within the corresponding period when the additional transfer to the account is approved by the user. 4. A payment account for electronic payment of the user, which is provided separately from a main account contracted with the user and is connected to an electronic network, and a check point at a predetermined time interval. A periodic transfer means for transferring between the main account and the payment account at the time of the check so that the balance of the payment account is a preset amount; and the payment via the network. A non-scheduled request detecting means for detecting the occurrence of an unscheduled request in which an electronic payment equal to or more than the balance of the payment account is required for the account; and An electronic payment system, comprising: a non-standardized request response unit that stops responding to an electronic payment request for the payment account during a response period. 5. The electronic settlement system according to claim 4, wherein when the out-of-specified request detecting means detects the out-of-specified request, the user is notified of the occurrence of the out-of-specified request within the response period. An electronic payment system comprising a non-regulated request reporting means. 6. The electronic settlement system according to claim 5, wherein: a user connection unit connected to the network for receiving an instruction from the user regarding transfer between the main account and the payment account; An electronic payment system comprising: account control means for transferring between the main account and the payment account in accordance with an instruction from the user accepted by the user connection means. 7. A check point at predetermined time intervals between a payment account for electronic settlement of the user and the main account provided separately from a main account contracted with the user. A step of performing a transfer so that the balance of the payment account is a preset amount; and an out-of-specification request for electronic payment of the payment account equal to or more than the balance of the payment account has occurred. Stopping a response to a request for electronic payment to the payment account during a predetermined response period. 8. The program storage medium according to claim 7, wherein a step of, when said non-specified request has occurred, reporting to said user that said non-specified request has occurred has been stored within said response period. A program storage medium characterized by the following.