JP2003050915A - Family account system, electronic check system, electronic dealing system, input/output terminal device, payment device, and site operating device, goods receipt confirmation device, and electronic dealing reserving method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which totally manages family's financial dealings while promoting electronic dealings by check with high safety. SOLUTION: An electronic check is issued in real time and a financial institution that a user has dealings with and a financial institution that a payee has dealings with mutually authenticate and issues the electronic check whose payee, payment amount, payment conditions, etc., are determined. Thus, the electronic check is issued in real time, so the user can request an account managing device 6 of the financial institution to issue the check by radio, etc., on the spot by having a short-distance communication with a payment device 9, etc., through a portable input/output terminal device 1. Further, an account managing device 6 manages accounts and financial dealings, family by family, to provide household account books, etc., for the users.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a family account system, an electronic check system, an electronic transaction system, an input / output terminal device, a payment device, and a sales site management device for improving the convenience of commerce and account management for general users. , An arrival confirmation device, and an electronic transaction reservation method.

[0002]

2. Description of the Related Art A family account system is a system in which an account management system of a financial institution and a family household account book are linked to provide a household household account book and a family's pocket money book.

[0003] Conventional account management of financial institutions involves checking the balance and deposit / withdrawal details on a per-account basis using a passbook. The financial institution's ATM machine provides financial transactions such as deposit, withdrawal, account transfer, and passbook entry services. There is.

There is also a service for inquiring about account transfer, inquiring about deposit and withdrawal details, and inquiring about balance by using a network or the like.

For setting the breakdown code and the like in the account for managing the balance in the account in detail, Japanese Patent Laid-Open No. 2000-2511
In Japanese Patent Publication No. 47, a method of setting a withdrawal expense item as the breakdown information is posted, but this method is a method that makes it easy to understand the application of withdrawal in order to provide a user with deposit and withdrawal transaction details. I can understand the usage of withdrawal, but I do not manage the withdrawal. Also, it does not manage the balance of each expense item.

Household account book software for personal computers is sold as a system for managing a household account book and a household's pocket money book.

[0007] In Japanese Patent Laid-Open No. 2000-184085, a system for transmitting purchase information at the time of purchase to a financial institution via a portable device and creating a household account book for each user by means of household account book software and providing the same. However, in the gazette, the information is only purchase details, and does not include payment information or transfer information. In addition, it does not include payment information for households who have multiple accounts, credit cards, and purchases (including automatic debit information for electricity, gas, etc.). In addition, the purchase of products and services on networks such as the Internet is not described. further,
There is no description about the household account book for the whole family and it is unknown.

In the security of electronic transactions between financial institutions and users, SSL (Secure Socket Layer) method is mainly used as an authentication means in computers of financial institutions and information terminals of users, and the identification of users is a watchword. Is often identified by a password.

There is also a system in which special client software and a key are provided to a user to perform data communication by an original method.

The electronic check system is a system in which the security of data is improved by creating and managing electronic check data between the user and the transaction financial institution of the payee.

There are applications for electronic checks in Japanese Patent Laid-Open No. 2001-67426 and Japanese Patent Laid-Open No. 11-296603. In both cases, electronic check data is preliminarily provided by a financial institution of a business partner using an electronic wallet or the like. After receiving the offer, it will be divided into electronic wallets based on the usage amount and used. The divided electronic check data is regularly provided to the transaction financial institution.

Regarding the received electronic check data, whether the received electronic check data is valid or not is inquired to the issuing financial institution or the institution under its management.

In data communication between the electronic wallet and the payment device, a public key cryptosystem is used to prevent wiretapping of the data, and the electronic wallet or the like needs to hold a public key for each payment device. is there.

Further, since the balance of an electronic wallet or the like decreases when payment is made, if the payment amount exceeds the balance, an electronic check must be issued again to a financial institution or a branch institution. If you cannot pay by check, you must use another payment method.

There are electronic transactions using electronic money,
Electronic transactions using electronic money are intended for small amounts of transactions, and it is necessary to prepare other payment means at the time of payment than electronic checks because the issued amount is small.

The electronic transaction system is an electronic transaction for purchasing goods, services, etc. on a sales site, etc. on a network such as the Internet, and payment processing by electronic check and payment processing on condition that the ordered goods, services, etc. are received. Is a system that provides.

[0017] Conventional payment processes for electronic transactions in Internet shops and the like include payment processes using credit cards and prepaid transactions.

In advance payment, a crime such as an undelivered ordered product is a social problem.

[0019]

However, the above-mentioned conventional system has the following problems to be solved.

In the family account system, as described above, the conventional financial institution has only one account management service, and even if the user has multiple accounts in the same bank, he can check the balance and check the deposit / withdrawal transaction details. There is no way to check multiple accounts at once, and the user needs to check each account held to check the bank balance and check the deposit and withdrawal details.

In addition, there is no way to grasp the usage situation of the accounts of the financial institutions and credit cards held by the family members of the family as a whole family, and there is no way to grasp the daily usage situation of money of the child while being a parent. We cannot manage the transfer of money due to such acts.

Further, in account management serviced by a financial institution, it is not possible to set a breakdown code or the like in the account, it is impossible to know what kind of use the financial transaction was made in, and the money held in the account is used. I can't manage it separately.

This is a service for providing a household account book and a family's pocketbook, but currently financial transactions are diverse, and financial settlement is complicated by the development of EC (electronic commerce). There is a need for a service that can comprehensively manage not only transaction details between accounts provided by financial institutions, but also payment request data for credit cards and credit purchases, and purchase information such as purchases at stores. In addition, it is necessary to deal with multiple accounts held by family members and to purchase products and services on networks such as the Internet.

Further, in order to enhance the security of electronic transactions between financial institutions and users, as described above, SSL (Secu
The re socket layer method is mainly used, but S
The SL method is an effective method for encrypting data to be communicated and is effective for wiretapping of communication data, but the user is identified by the password and password, and the password and password are stolen. , Will not be effective in crimes that impersonate the person.

In addition, there is a need for an authentication method for strengthening the financial management of the family and an authentication method for the family member to authenticate in order to improve the convenience of electronic transactions.

In the electronic check system, as described above, in the above-mentioned publication, electronic check data is provided in advance from a financial institution of the business partner using an electronic wallet or the like, and the electronic check data is divided and used based on the usage amount. There is.

In order to prevent falsification of electronic check data in the electronic wallet, a unique device or algorithm is used, which complicates the electronic wallet device.

There is no method for authenticating whether the received electronic check has been tampered with in the device which has received the electronic check, and whether the received electronic check data is valid or not is determined by the issuing financial institution or an organization entrusted with management. Need to contact.

In data communication between an electronic wallet or the like and a payment device, a public key cryptosystem for preventing wiretapping of data has been proposed in the above publications, but it is troublesome to obtain the public key of a communication partner. Takes.

Further, it is necessary to hold a public key for each payment device, and an electronic wallet or the like needs to hold a large number of public keys, which is a problem.

Further, if the electronic wallet or the like has a balance and the amount of payment exceeds the balance, it is necessary to issue an electronic check to the financial institution of the trading partner again. You will not be able to pay unless you use the payment method of.

The same applies when electronic money is used,
A unique device and algorithm are required to ensure the guarantee of electronic money to be exchanged, and the device becomes complicated. In addition, since electronic money is expected to be paid in small amounts, it is inconvenient as a payment method because it is necessary to prepare a payment method other than electronic money due to a lack of balance than electronic checks.

In the electronic transaction system, the conventional electronic transaction payment processing in an Internet shop or the like is mostly credit card payment processing or prepaid transaction such as bank transfer.

In an electronic transaction using a credit card, the payment transaction is carried out by passing only the credit card number to the payee's site, but it is dangerous because there is no means for personal identification by the personal identification number of the credit card.

In addition, in an Internet shop or the like, a transaction such as a credit card must pay a card fee, and there is a problem that it takes time to deposit the money.
Delays in payment processing time are a problem in businesses that demand speed by selling at low prices.

In the advance payment, a crime such as the fact that ordered products are not delivered is a problem, but it cannot be prevented by the current payment method.

[0037]

The present invention solves the above-mentioned problems and realizes a highly secure electronic check system corresponding to EC (Electronic Commerce), and at the same time, manages the accounts held by users and financial transactions. It is characterized by comprehensive management.

The family account system according to claim 1 of the present application comprises an account management device of a financial institution and an input / output terminal device of the user. In the account of the user held by the account management device, the breakdown code and the name It holds not only setting and transfer between accounts, but also means for transferring between detail codes in the same account and for transferring to detail codes in other accounts.

Further, in setting a pattern for performing a plurality of transfer operations at one time, means for enabling transfer between the detail codes is held.

In addition, the data is processed from the household's pocket money book in a specific form, the household account book of the entire family, the balance of the breakdown code in the account held by the account management device, and the financial transaction details. Hold means for providing through the input / output terminal device.

The family account system of claim 2 registers a financial transaction as a pattern in periodic payment transactions, transfer processing, provision of monthly allowances for children, etc., and triggers payment such as transfer of salary as a trigger. Holds means for implementing automatic execution of patterns.

The family account system according to claim 3 holds means for associating the bank code and account code of another bank with the breakdown code in the account in a transaction such as transfer to another bank, and makes them correspond to the breakdown code. It holds a means to automatically execute transfer processing between banks by simply transferring.

According to a fourth aspect of the family account system, a means for receiving payment request data in a predetermined format via a network when making a request for card payment or purchase by using an account management device, and the received payment request data. There are means for transmitting to the input / output terminal device, means for inputting the account code and breakdown code when the payment is displayed on the input / output terminal device, and means for rejecting when the payment is not made. The account management device has means for creating transaction data to the payee when paying, and means for notifying the payee and notifying the payment to the payee. To do.

According to a fifth aspect of the family account system, in the data communication between the account management device and the user's input / output terminal device,
In order to enhance security, the account management device holds a means for generating a key of public key cryptosystem, a house key for each user, a family key for each family that can operate the account of all the family members,
Correspond between the user's account and the user's private key, a means to generate three types of keys, which are authorized keys for each family, that can be used by the whole family, a means to select the key to be provided based on the user's authority. When performing an account operation, a means that can be operated only with the corresponding house key or family key is held. Financial transactions (deposits, withdrawals,
In order to operate the (transfer) operation from the input / output terminal device, the security can be strengthened because it cannot be operated without using the house key or family key other than the password and password.

Further, in the electronic transaction, a means for providing an authorization key for setting conditions other than the account operation that require authentication of the account management device and the user in transaction conditions and the like is held.
For example, upon receipt of purchased merchandise, the authorization key holds the means of providing the same key to all the family members to allow another family member to subordinate and authenticate if the family member who purchased it is absent.

According to the electronic check system of claim 6, when a family member purchases a product, a service or the like at a store or the like, the electronic check can be paid by the electronic check. I / O terminal device held by the user, account management device (own bank account management device) of a financial institution that conducts transactions with the user, payment device installed in a store, etc., financial institution that conducts transactions with the store, etc. Account management device (other bank account management device), the payment device and the other bank account management device pass the key by the public key encryption method that was agreed in advance, and the data is encrypted by the passed key. Communicate.

Regarding payment by electronic check when a family member purchases goods, services, etc. at a store etc. Purchase detailed data from an electronic check compatible payment device installed at the store,
A means to receive item data such as payment amount, payee's bank code, payee's account number, payment conditions, etc. with your own input / output terminal device, an account code for issuing electronic checks, and a breakdown code to enter your own account Encrypt the management device with the house key and request the bank account management device to issue a check. The own-account management device receives a check issuance request, calculates the limit amount based on the received data, the account code entered by the family member, and the balance of the breakdown code. The other bank account management device that is in transaction with the payment device is identified from the data, and a check issue authentication request is issued to the other bank account management device. The other-bank account management device determines a payment device from the data received from the own-bank account management device, creates payment device authentication data for the payment device, and encrypts the payment device with a key pre-arranged with the payment device. The check issuance authenticated data including the payment device authentication data is processed and transmitted to the own account management device. A means for sequentially transmitting the check issue authenticated data to the own account management device, the input / output terminal device, and the payment device in the reverse order of the electronic check issue request is held.

By requesting the own account management device to issue an electronic check for the amount of payment, the input / output terminal device can be simplified without the conventional function of dividing an electronic wallet or the like and holding function. Also, the electronic check issued is
The payee and payment amount are fixed, and even if the electronic check is illegally acquired, it cannot be abused.

Also, by issuing an electronic check authentication request from the own bank account management device to another bank account management device that deals with the payment device, both account management devices can manage the electronic checks, and thus data tampering, etc. can be performed. Correspondence is strengthened. Further, the other-bank account management device encrypts the authentication data for the payment device with the key arranged with the payment device, so that the decryption and tampering of data in the own-bank account management device and the input / output terminal device become impossible.

The electronic check system according to claim 7 has means for substituting another family member in the payment by the electronic check, and the payment amount by the electronic check is the limit amount calculated by the balance of the account of the family member. In the case of less, the own account management device rejects the electronic check issuance request, but it is possible to pay without using the payment means other than the electronic check of the present application by requesting the payment of the electronic check to another family member. The convenience is improved.

The electronic transaction system according to claim 8 or claim 9 enables the use of the electronic check according to claim 6 when a family member purchases a product, service, etc. at a product sales site on the Internet, and the payment conditions are met. By providing a means for issuing electronic checks with arrival confirmation conditions, the safety and convenience of online commerce will be provided.

The electronic transaction system includes an input / output terminal device, an own bank account management device, a sales site management device that operates a product sales site on the Internet, another bank account management device that has a transaction with the sales site management device, and confirmation of receipt at the time of delivery. The data communication between the sales site operating device and the other bank account management device is performed by encrypting with a key of a public key cryptosystem determined in advance to perform data communication. In addition, the input / output terminal device is a mobile device (a mobile phone, a PDA (personal digital assistance), a laptop computer, or the like, which has a short-distance communication function for performing short-distance communication with the arrival confirmation device, and is connected to the network. It is a device with a built-in microprocessor that has a connection function.)
The input / output terminal device that performs data communication with the sales site operating device may be a device without a short-range communication function, such as a personal computer that cannot be carried, a digital TV, a game machine, or the like, which has a microprocessor with a network connection function. .

When the user connects to the sales site operating device on the network from the input / output terminal device and purchases goods, services, etc., the sales site operating device has means for paying by electronic check, Payment amount, payee,
Send payment data such as payment terms to the input / output terminal device.
The user receives the payment data by the input / output terminal device,
Request a check issuance to the own bank account management device. The own-bank account management device identifies the other-bank account management device that has a transaction with the sales site management device from the check issuance request data, issues a check issuance authentication request, issues an electronic check, and transmits it to the input / output terminal device. The input / output terminal device purchases a product by transmitting the received electronic check to the sales site management device.
Holds the means for payment processing such as services.

Further, it is possible to add an arrival check condition for purchased products as a settlement condition for the electronic check. When the arrival check is added as a condition, the own account management device confirms the arrival check required for the electronic check and the arrival check. The receipt confirmation data in which the data is encrypted with the user's authorization key is transmitted to the input / output terminal device. The sales site management device receives the electronic check and the encrypted receipt confirmation data from the input / output terminal device, creates delivery data including the encrypted receipt confirmation data, and transmits the receipt data to the receipt confirmation device. A means for receiving processed receipt confirmation data that has been processed from the receipt confirmation device is held. The arrival confirmation device receives the delivery data including the encrypted arrival confirmation data, holds a means for retrieving the encrypted arrival confirmation data by reading the delivery label of the delivery with a scanner at the time of delivery, and retrieves it. The encrypted receipt confirmation data is transmitted by short-distance communication to the input / output terminal device of the resident at the delivery destination. The input / output terminal device of the family member accepts the received encrypted receipt confirmation data, decrypts it with a key,
A means for confirming with the display device is held, and if there is no mistake after confirmation, the decrypted receipt confirmation data is transmitted to the receipt confirmation device. After delivery, the arrival confirmation device sends the decrypted receipt confirmation data to the sales site management device, and the sales site management device creates the check settlement request data from the decrypted receipt confirmation data and the electronic check data, Send to another bank account management device. The other bank account management device holds means for performing a check settlement process with the own account management device of the electronic check issuer, and for each account management device to perform a settlement journal.

Further, in order to improve the credibility of the receipt confirmation data, when the own bank account management apparatus prepares the receipt confirmation data, the other bank account management apparatus prepares the receipt confirmation authentication request data and makes an authentication request, Upon receiving the authentication request, the other-bank account management apparatus encrypts the receipt confirmation data for the sales site with one of the keys of the public key cryptosystem pre-arranged with the sales site management apparatus, and sends it to the own-bank account management apparatus. The own-bank account management device transmits the receipt confirmation data including the received receipt confirmation data for the sales site to the input / output terminal device of the user. The sales site management device creates delivery data from the arrival confirmation data encrypted with the user's acceptance key including the receipt confirmation data for the sales site, and receives the key for decrypting the delivery data and the receipt confirmation data for the sales site. Send to the confirmation device. When confirming the arrival of goods, the arrival confirmation device extracts the receipt confirmation data for the sales site from the decrypted receipt confirmation data received from the user's input / output terminal device, decrypts it with the key passed in advance from the sales site management device, and then decrypts the data. Perform verification. The receipt confirmation data for the sales site is encrypted with a key of a public key cryptosystem that has been agreed in advance and cannot be decrypted by the own bank account management device or the input / output terminal device.

The family account system of claim 10 uses not only the inquiry of the financial transaction data of claim 1 but also the payment request data from the payee of claim 4 and the electronic check data of claims 6 and 8. The user has a means to provide the input / output terminal device of the person in a specific form, and the user can grasp the transactions related to all financial transactions.

The input / output terminal device according to claims 11, 12, and 13, the payment device according to claim 14, the sales site operation device according to claim 15, and the arrival confirmation device according to claim 16 are the family account system, the electronic check system, A device for use in an electronic transaction system, which is a device with a built-in microprocessor and holds a program that cooperates with each system.

According to the electronic transaction reservation method of claim 17, the encryption of data in the data communication between the devices in the electronic check system, the electronic transaction system, etc. is not performed directly between the devices by the authentication process but by the communication source. A key that can be decrypted by the communication destination by the request of the device, the account management device with transactions (which performs the function of the substitution device) performs data communication with the account management device with which the communication destination device has transactions, and processes the data. The data encrypted by is transmitted to the communication source device. The communication source device receives data from the account management device, and by transmitting the received data to the communication destination device, there is no key exchange for encryption of data communication between devices, and the account management device records the data. Perform electronic transactions that improve the security of data by holding it.

[0059]

BEST MODE FOR CARRYING OUT THE INVENTION Next, an application form for an embodiment of "family account system, electronic check system, electronic transaction system, input / output terminal device, sales site management device, arrival confirmation device, electronic transaction reservation method" according to the present invention The following description will be made with reference to the drawings attached to.

FIG. 1 is an overall system configuration diagram of a family account system, an electronic check system, and an electronic transaction system according to an embodiment of the present invention.

In each system, as shown in FIG. 1, the input / output terminal device 1 carried by the resident A3, the input / output terminal device 2 used by the resident B4, and the resident A3 and the resident B4 are engaged in transactions. A financial institution account management device (own bank account management device 6) and a host computer 8 of a credit company,
And a payment device 9 such as a cash register installed in a store, and a sales site management device 1 that operates a sales site on a network
0, an account management device (another bank account management device 7) of a financial institution that has a transaction with the payment device 9 or the sales site management device 10, and an arrival confirmation device 11 carried by a delivery member at the sales site for product delivery. The respective devices communicate with each other through the network 5 by using wired or wireless means. The family members A3 and B4 are families.

The difference between the input / output terminal device 1 and the input / output terminal device 2 is that both devices are devices with a built-in microprocessor, but the input / output terminal device 1 is a portable telephone, a PD or the like.
It is a small and lightweight device such as A, and is characterized by holding a means for wirelessly connecting to a network, a payment device 9, an arrival confirmation device 11, a short-range communication means, and a means for making and receiving telephone calls. It suffices for the terminal device 2 to have a means for connecting to a network with a device containing a microprocessor, and the connecting means is not limited to wireless or wired. Therefore,
It may be the input / output terminal device 1.

The input / output terminal device 1 and the payment device 9 send and receive payment data and the like (described later) by short-distance communication. Also,
Since the input / output terminal device 1 and the arrival confirmation device 11 also send and receive arrival confirmation data (described later) by short-distance communication, the input / output terminal device 1, the payment device 9, and the arrival confirmation device 11 hold short-distance communication means. .

The family account system, electronic check system, and electronic transaction system will now be described with reference to the drawings.

FIG. 2 is a block diagram of a family account system, which comprises input / output terminal devices 1 and 2, an own bank account management device 6, another bank account management device 7, and a host computer 8 such as a credit company. The other-bank account management device 7 has the same configuration as the own-bank account management device 6.

The family member makes a deposit / withdrawal request, a transfer request, an electronic check issuance request (described later), and a receipt confirmation request (described later) via the customer's own account management device and the input / output terminal device. Further, the data can be processed from various journal data, electronic check data, and payment request data from a credit company or the like, and a household account book, a pocketbook for each family member, a deposit / withdrawal list, etc. can be provided.

The account management device holds key information, account information, journal information, basic information, input / output terminal device information, family information, form information and the like as user information.

There are three types of key information, a family key, a family key, and an authorized key, which are generated by the public key cryptosystem, and the account management device and the family member hold one of the keys. A family key and an authorization key are created for each family, and a family key is created for each family member. The family key is a key used to manage the whole family,
Can control the accounts of all family members. Also, the provision of a household account book (described later) is encrypted after being provided with the family key, so that it cannot be seen unless the householder has the family key. Household key is a key used for communication such as operation of accounts held by users, provision of pocket money for each user, issuance of electronic checks (described later), etc. It can be used for confirming arrival of goods and services (described later) when purchasing products and services from a sales site on the Internet. The reason why the whole family holds the same key is that the purchaser can take over the goods, services, etc. instead of the other family member when the purchaser is absent during delivery.

In the account information, a detailed code and a name can be set in order to realize detailed management of the account management, and an example of the setting screen is shown in FIG. Hold multiple balance code settings and balances for each account. In addition, it is possible to set the linkage of other account code in the bank and the breakdown code or the account code of other bank to the breakdown code, and if the linkage is set, if the breakdown code with journal entry processing such as transfer is set It automatically checks the linkage table and processes transfer journals etc. to the account code of the bank of the linkage destination. In addition, for the inquiry of the balance, it is possible to check the balance of the cooperation destination and inquire the balance, which facilitates the user's operation. When using the breakdown code for which linkage is set in the transfer operation, there are no restrictions when using it as the transfer destination, but when using it as the transfer source, the account of the cooperation destination is held by another family member. In case of an account that can be operated, it cannot be operated unless it is a family key.

The journal information includes pattern code setting information and automatic journal setting information, and an example of a setting screen is shown in FIG. The pattern code enables multiple journal entries, and facilitates periodic journal entries. Further, the automatic journal can be set in two ways, that is, the setting of the due date and the automatic journalizing when the counterparty is designated and the deposit is received.

The basic information holds general user attribute information (user code, name, address, age, password, password, etc.). The input / output terminal device information has items such as a device number, a telephone number, an IP address, and a mail address, which are used in communication between the account management device and the input / output terminal device. Family information includes family member configuration information.

The form information is setting information of items in the form when providing a household account book of each family, a pocketbook of each person, and a deposit and withdrawal list, and the provided form is shown in FIG.
Fig. 4 shows an example of a household account screen of a family, Fig. 4 shows an example of a pocket money screen (Taro is an example of a family child), and Fig. 5 shows an example of a deposit / withdrawal statement list screen.

The account management device stores the user information setting process, the journalizing process and the payment request process described above as possible processes (stores the payment request data from the credit company etc. in the database and provides the information at the request of the user). In addition to the household account book providing process, the allowance book providing process, and the deposit / withdrawal statement providing process, an electronic check issuing process, an electronic check authentication process, a limit calculation, an electronic check settlement process, a payment substituting process, which will be described later,
There are processing for confirming arrival of goods, processing for confirming arrival of goods for sales sites, etc. An example of the database is shown in FIG.

Next, an example of the processing flow of the electronic check system is shown in FIG. When a family member purchases a product or service at a store or the like and pays at a cash register or the like, payment by electronic check is carried out on the spot of the bank account management device 6 of the financial institution of the business partner.
A request for issuance of an electronic check is made to the payee and the payment amount, and the self-account management device exchanges the electronic check with the other-account management device 7 of the payment destination (a financial institution with which the store or the like is engaged). Characterized by approval.

The detailed processing flow will be described below. [S1] When the household A purchases goods, services, etc. at a store or the like and pays by electronic check, payment data such as the purchase price of the product, payee bank code, payee account number, payment terms, purchase details, etc. 17 (FIG. 11) is transmitted from the payment device 9 to the input / output terminal device 1 by short-range communication. Short-distance communication does not require special processing such as encryption. [S2] The householder A confirms the received payment data 17 on the display device of the input / output terminal device 1, inputs the account code and the breakdown code for issuing the electronic check, and sends the check issue request data 18 (FIG. 12). It is created, encrypted with the house key and transmitted to the own account management device 6. [S3] The own account management device 6 decrypts the received check issuance request data 18 and calculates the balance from the balance of the account code and the breakdown code input by the client A who issues the electronic check. The balance is calculated by considering the creditworthiness of the user, payment conditions, etc. If the calculation result shows that the check cannot be issued, the check issuance impossible data is created and transmitted to the householder A. [S4] If the electronic check can be issued, the other bank account management device 7 of the payee financial institution is identified from the check issuance request data 18, and items such as the issue date and time and the check issue reference number are added to issue the check. Authentication request data 15 (Fig. 13)
Is created and transmitted to the other bank account management device 7 by a communication procedure having a predetermined security function. [S5] The other-bank account management device 7 identifies the payment device from the payment device number or the payee account number in the received check issuance authentication request data 15. [S6] The payment device 9 and the other bank account management device 7 each hold one of the keys of the public key cryptosystem for communication between both devices in advance, and the authentication date and time, the authentication reference number, the payment amount, and the payment amount. Create payment device authentication data including items such as conditions, and encrypt it with the stored key. This data is
Decryption is not possible with the own account management device 6 or the input / output terminal device 1. [S7] Data in which the electronic check is authenticated based on the check issue request data and the payment device authentication data is stored in the storage device. [S8] The check issue authenticated data 16 (FIG. 14) including the encrypted payment device authentication data is created, and the check account issue authentication request is sent to the own account management device 6 by a communication procedure having a predetermined security function. Send. [S9] The own account management device 6 stores the check issuance request data and the check issuance authenticated data in the storage device in association with each other. [S10] The check issuance authenticated data 19 encrypted with the house key for the house A is transmitted to the input / output terminal device 1 of the house A. [S11] The householder A decrypts the check issuance authenticated data received by the input / output terminal device 1 and confirms it on the display device, and then transmits the decrypted check issuance authenticated data 16 to the payment device 9 by short-distance communication. . [S12] The payment device 9 extracts the payment device authentication data from the received check issuance authenticated data 16 and decrypts it with the key that has been exchanged with the other bank account management device in advance to determine the payment amount, payment conditions, etc. Check with the display device of. If it is confirmed and there is no problem, the payment processing of the householder A is completed.
The payment device 9 creates the check settlement request data 20 (FIG. 15) from the check issuance authenticated data 16 and encrypts the check settlement request data 20 (FIG. 15) with the key that has been exchanged with the other bank account management device in advance. Make a check payment request. [S13] The other bank account management apparatus 7 decrypts the received check settlement request data 20 and compares the stored check issue authenticated data with the authentication date / time and the authentication reference number. [S14] If the verification is OK, the check settlement request data 20 is transmitted to the self-account management device 6 which issued the electronic check based on the payment conditions, and the check settlement is requested. [S15] The own account management device 6 collates the check issue request data stored from the received check settlement request data 20 and the issue date and time, the check issue serial number, the authentication date and time, and the authentication serial number from the check issue authenticated data. And, if the payment conditions are verified and the payment is OK, the withdrawal journal is performed, the balance of the account code and the breakdown code of the corresponding household A is reduced, and the electronic check settlement process is ended.

FIG. 21 shows a flow chart of the check issuing request process in the input / output terminal device.

According to this processing flow, in data communication between the input / output terminal device 1 and the payment device 9, it is possible to perform communication having a high security function without performing processing such as authentication. Further, the electronic check of the present invention is authenticated by both financial institutions, so that even if the data is altered, the alteration of the data will not be found in the collation of both financial institutions and will not be erroneously paid.

Next, FIG. 9 shows an example of the payment substituting process flow of the electronic check system. The payment subrogation process is a process in which a family member substitutes the issuance of an electronic check to another family member, and corresponds to, for example, a process in which a parent asks when he / she has no money or when he / she wants to purchase something with a child. It is possible to do

The detailed processing flow will be described below. [S16] to [S18] are [S1] to [S3] in FIG.
Same as the above, the resident A sends the check issue request data 18 to the own bank account management device 6 in order to pay the payment when purchasing goods, services, etc. at a store, and the own bank account management device 6 calculates the limit amount. I do. [S19] As a result of the limit calculation, the own account management device 6 cannot issue the electronic check, and creates the check issuance impossible data 21 and transmits it to the input / output terminal device 1. [S20] The family member A selects a family member B who requests subrogation from the input device of the input / output terminal device 1 for substituting payment,
Payment subrogation data 22 (FIG. 16) including the user code of the resident A and the telephone number of the input / output terminal device is created, encrypted with the resident key, and transmitted to the own account management device 6. [S21] Upon receipt of the payment substitution data, the self-account management device 6 identifies the household B by checking the user information of the household B who has selected the substitution by decrypting the payment substitution data from the payment substitution requestee user code in the payment substitution data. Then, the subrogation data is encrypted with the household key of the household B. [S22] The input / output terminal device 2 of the occupant B who is mainly using the user information of the occupant B is checked, and the encrypted payment substitution data 22 is transmitted to the input / output terminal device 2. [S23] The householder B, when receiving the payment substitution data, decrypts it and confirms it on the display device of the input / output terminal device 2.
When contacting the resident A who has made the payment substitution request, the input / output terminal device telephone number of the payment substitution requesting source of the payment substitution data is used to automatically make a call to the input / output terminal device 1. If the input / output terminal device 2 does not have a telephone call function, a telephone may be called from a nearby telephone by referring to the telephone number of the input / output terminal device of the payment substitution requester. [S24] When performing payment subrogation, the householder B inputs the account code and the breakdown code for issuing an electronic check, creates the payment substitution authentication data 23 (FIG. 17), encrypts it with the household key, and encrypts it with his own account management device. Send to 6. [S25] The own-account management device 6 receives the payment substituting authentication data 23 and calculates the limit amount using the account code and the breakdown code input by the household B. [S26] to [S37] are [S4] to [S15] in FIG.
In the same way as the own bank account management device 6, the other bank account management device 7
And issuing electronic checks, approval processing, and payment processing.
In the check data storage of [S31], the own-account management apparatus stores payment substituting authentication data in association with the check issuance request data and the check issuance authenticated data in the storage device.

FIG. 22 shows a payment substituting process flowchart by the input / output terminal devices of the house A and the house B.

Next, FIG. 10 shows an example of the processing flow of the electronic transaction system. The electronic transaction system enables payment to be settled by the electronic check system when purchasing products, services, etc. at a product sales site on the Internet. Further, it is characterized in that the confirmation of the arrival of the purchased product etc. is a condition for the electronic check settlement.

The detailed processing flow will be described below. [S38] to [S40] are [S1] to [S3] of FIG.
Similarly, the household A sends the check issue request data 18 to the own bank account management apparatus 6 in order to pay by electronic check for the payment at the time of purchasing goods, services, etc. on the online product sales site, and the own bank account management apparatus 6 Calculate the limit amount. Communication between the input / output terminal device 1 and the sales site operating device 10 is not via short-range communication but via a network. [S41] When the arrival confirmation is required from the arrival confirmation condition item of the payment data in the check issue request data 18, the arrival confirmation reference number is acquired, and the arrival confirmation confirmation request including the arrival confirmation creation date and time and the arrival confirmation reference number. Create the data. In [S42], the check issuance authentication request data 15 and the created arrival confirmation authentication request data 24 (FIG. 18) are transmitted to the other bank account management device, as in [S4] of FIG. [S43] to [S44] are [S5] to [S6] in FIG.
Similarly to the check issue authentication request data 15, the sales site operating device 10 is identified, and the sales site operating device 10 including the authentication date and time, the authentication reference number, the payment amount, and the payment condition and the sales site operating device 10 are created. Encryption is performed using the key that has previously been exchanged with the other bank account management apparatus 7. The other bank account management device 7 is the sales site management device 1
0 is an account management device of a financial institution that deals with 0, and communication between both devices holds a key for communicating by the public key cryptosystem in advance. [S45] From the arrival confirmation authentication request data 24, the sales site operating apparatus creates the receipt confirmation data 25 for the sales site including the arrival authentication date and time and the receipt authentication reference number required for the arrival confirmation, and the sales site operating apparatus is arranged in advance. Encrypt with one of the keys used when confirming arrival. [S46] Similar to [S7] in FIG. 8, the data obtained by electronic check verification from the check issue request data and the sales site authentication data, and the arrival confirmation verification request data and the receipt confirmation data from the sales site arrival confirmation data are collected. Store in storage device. [S47] Check issued authenticated data 16 including sales site authentication data encrypted as in [S8] of FIG. 8 and sales site arrival confirmation data 25 (FIG. 19) are created and transmitted to the own account management device 6. To do. [S48] The receipt confirmation data (FIG. 20) is created from the receipt confirmation data 25 for the sales site and the receipt confirmation authentication request data 24 received from the other bank account management device 7, and encrypted with the key accepted by the family member. [S49] Same as [S9] in FIG.
Stores the check issuance request data, the check issuance authenticated data, and the arrival confirmation data in association with each other in the storage device. [S50] Same as [S10] in FIG. 8, while using the house key for the house A, the check issuance authenticated data 19 and the receipt confirmation data encrypted with the authorization key are encrypted and transmitted to the input / output terminal device 1 of the house A. To do. [S51] As in [S11] of FIG. 8, the family member A decrypts the check issue authenticated data 19 and the receipt confirmation data 26 received by the input / output terminal device 1 with the family key and confirms them on the display device, and then decrypts them. The encrypted check issue authenticated data 16 and the receipt confirmation data 27 encrypted with the decrypted authorization key are transmitted to the sales site operating measure 10 via the network. [S52] The sales site management apparatus 10 receives the check issue authenticated data 16 and the receipt confirmation data 2 encrypted with the recognition key.
Receive 7. The check issuance authenticated data 16 that does not require receipt confirmation may be created by sending check settlement request data 20 to the other bank account management device at any time based on the payment conditions and sending it to another bank account management device. 16 stores in the storage device of the sales site operating device until the arrival confirmation process is completed. In the arrival confirmation processing, a key 29 for creating delivery data 28 including the arrival confirmation data 27 encrypted with an approval key based on a predetermined delivery plan and decrypting the sales site arrival confirmation data included in the arrival confirmation data 27. Along with sending it to the arrival confirmation device. The data communication between the sales site operating device and the arrival confirmation device is not limited to wired or wireless, and may be data communication. [S53] The arrival confirmation device 11 receives the delivery data 2
8. The key 29 for decryption is stored in the storage device in the arrival confirmation device. [S54] The deliveryman scans and reads the delivery label of the delivered product by the scanning device of the arrival confirmation device 11 at the time of delivering the product to the house A, and retrieves the corresponding delivery data. [S55] The receipt confirmation data 27 encrypted with the authorization key included in the retrieved delivery data is extracted and the input / output terminal device 1 is extracted.
Short-distance communication. [S56] The resident A decrypts the received arrival confirmation data with the acknowledge key and confirms it on the display device of the input / output terminal device 1.
After confirmation, the decrypted arrival confirmation data is received by the arrival confirmation device 11
Send by short range communication to. [S57] The receipt confirmation data for the sales site is extracted from the received receipt confirmation data, decrypted with the stored key 29, the receipt authentication date and time and the receipt authentication reference number are collated, and the verification result is the receipt confirmation data 30 (FIG. 20). Set to. [S58] The arrival confirmation device 11 transmits the verified arrival confirmation data 30 to the sales site operating device 10. [S59] to [S62] are [S12] to [S1] of FIG.
5], the sales site operating device 10 creates the check settlement request data 20 including the arrival confirmation result, transmits it to the other bank account management device 7, and after verifying the arrival confirmation data in the other bank account management device, Bank account management device 7 and own bank account management device 6
Process electronic checks between.

FIG. 23 is a flow chart of the arrival confirmation processing by the input / output terminal device and the arrival confirmation device.

[0084]

【The invention's effect】

As described above, according to the present invention, various effects described below can be realized. With the family account system according to claims 1 to 4, the user does not need to enter the conventional household account book or re-register with the household account book system, and the family can use the input / output terminal devices 1 and 2 anytime and anywhere. You can see the household account book and personal pocketbook. Further, since periodical journal entry can be automatically executed by setting the pattern, it is possible to provide a service that is more flexible than the conventional automatic withdrawal service provided by financial institutions.
Furthermore, the payment plan can be facilitated because payment settlement data can be received by receiving payment request data from a credit company or credit purchases via a network.

According to the family account system of claim 5, a plurality of keys are prepared for each account management device of the financial institution, each user, and each use. It will strengthen security and will be effective in preventing computer crimes such as eavesdropping.

According to another aspect of the electronic check system of the present invention, the input / output terminal device 1 receives short-distance communication from the payment device 9 installed in a store, etc., with payment information and purchase information on which the transaction is performed. An electronic check issuance request is sent to the bank account management apparatus 6 of the financial institution as the trading partner, and the bank account management apparatus 6 uses the received payee information to the other bank account management apparatus 7 of the financial institution with which the payment apparatus 9 is trading. Even if the issued electronic check is tampered with by discriminating between the two and the financial institutions performing the process of issuing the electronic check, it is possible to instantly find out if both banks collate. Further, since the electronic check to be issued is encrypted so that the other bank account management device 7 of the financial institution with which the payment device 9 is transacting can only decrypt the payment device, the payment device can decrypt the received electronic check. The effectiveness can be determined instantly. According to the present invention, a received electronic check, which is a problem of conventional electronic checks and digital money, a problem of inquiring each issuing financial institution about the validity of digital money, and division information by dividing electronic checks of users, etc. The processing such as providing the to the issuing financial institution is eliminated.

Since the issued electronic check is encrypted so that the other bank account management device 7 can decrypt it by the payment device 9, an authentication procedure is required in the communication between the input / output terminal device 1 and the payment device 9. There is no. Therefore, it is not necessary for the input / output terminal device 1 to store all the keys of the payment devices installed in each store, and only the key with the own bank account management device 6 with which the transaction is carried out may be stored. Of course, even in the payment device, it is not necessary to store the key for each user, and it is not necessary to obtain the user's key from a certificate authority or the like.

Further, in the present invention, since the electronic check is issued at the time of payment, it is purposely issued to the nearest issuing agency when the balance of the electronic check or the digital money held in the electronic wallet or the like like the conventional electronic check or the digital money is small. Eliminate the problem that you cannot make payment due to insufficient balance with electronic checks or digital money at the time of payment because you have to make a request.

According to the electronic check system of claim 7, when the user pays by electronic check, when another user has a small balance in the account of the transaction financial institution, he / she should ask another family to issue the electronic check. Yes, and increases the flexibility of using electronic checks.

According to the electronic transaction system of claims 8 and 9, a financial institution that conducts a transaction with the account management device 6 of the user's transaction financial institution and the sales site when the product is purchased on the online product sales site. By issuing an electronic check issue request and performing an authentication process between the account management devices 7, the payment process by the electronic check is enabled. The electronic check approved by both financial institutions is resistant to tampering with the check data as described above, and even if the data is stolen, it cannot be used illegally because the payee and the payment amount are already known by both financial institutions. In addition, payment processing can be performed faster than with a credit card or the like.

In order to deal with a crime such as a product not being delivered when purchasing a product on the Internet, it is possible to set an arrival confirmation condition as a payment condition for an electronic check, which is used when issuing an electronic check. The receipt confirmation data encrypted with the authorization key is obtained from the account management device 6 of the person's transaction financial institution, and the electronic check and the encrypted receipt confirmation data are transmitted to the sales site operating device 10.
By decrypting the encrypted receipt confirmation data received at the time of delivery with a housekeeper's authorization key, it becomes possible to obtain the receipt confirmation reference number of the account management device 6. By adding this reference number to the electronic check payment data, it becomes possible to make payments and prevent crimes such as undelivered goods.

Further, in order for the user to decrypt the receipt confirmation data encrypted with the authorization key received from the account management apparatus 6 with the authorization key held by the user so that the data cannot be falsified, the account management apparatus 6 Is included in the receipt confirmation data after receiving the receipt of the receipt confirmation data for the sales site encrypted by the key that can be decrypted only by the sale site in the other bank account management measure 7 with which the sale site management device 10 is trading, It is possible to verify data tampering at the time of delivery and provide highly secure receipt confirmation processing.

The family account system according to claim 10 provides payment request data from a credit company or the like, the electronic check system, and a family account system corresponding to the electronic transaction system, whereby the payment request data, the electronic check, and the receipt confirmation. It is possible to manage detailed financial transactions of family members who can understand such matters.

The input / output terminal device according to any one of claims 11 to 13 is a device incorporating a microprocessor for enabling the family account system, the electronic check system, and the electronic transaction system, and communicates as a terminal of the system. It has a built-in program for browsing the household account book of users, issuing requests for electronic checks, and confirming receipt of goods.

A payment device according to claim 14 is a device having a built-in microprocessor for enabling the electronic check system, holds means for performing short-distance communication with an input / output terminal device, and is a financial institution of a business partner. The account management device 7 and the program that enables payment processing by electronic check are built in, and the payment processing by electronic check is provided at the user's store or the like.

The sales site operating apparatus according to claim 15 is a computer apparatus that enables the electronic transaction system, and holds the arrival confirmation condition for goods purchase and sale by electronic check on the Internet and electronic check settlement. , Has a built-in program that has means for exchanging receipt confirmation data in product delivery with the receipt confirmation device, and provides users with safe product purchase on the Internet.

The receipt confirmation device according to claim 16 is a device having a built-in portable microprocessor that enables receipt confirmation processing in the electronic transaction system, and means for performing short-distance communication with an input / output terminal device of a user. It has a built-in program that has a means for holding the data and exchanging data for confirming the arrival of goods.

According to the electronic transaction reservation method of claim 17, security of data communication in short range communication between the input / output terminal device and the payment device and between the input / output terminal device and the receipt confirmation device in the electronic check system and the electronic transaction system is provided. It is a method of encrypting data between the account management devices of financial institutions with which the device does transactions, rather than using direct authentication between the devices. Provide a high communication method.

[Brief description of drawings]

FIG. 1 is an overall system configuration diagram of the present invention

FIG. 2 is a block diagram of a family account system of the present invention.

[Figure 3] An example of a household account screen for a family

[Fig. 4] Example of pocket money screen

FIG. 5: Example of deposit / withdrawal details list screen

[Fig. 6] Example of breakdown code setting screen

[Fig. 7] Example of pattern code setting screen

FIG. 8: Electronic check system processing flow of the present invention

[Figure 9] Payment subrogation processing flow

FIG. 10: Electronic trading system processing flow of the present invention

FIG. 11 is a layout diagram showing an example of the contents of the payment data shown in FIGS. 8, 9 and 10.

FIG. 12 is a layout diagram showing an example of the contents of the check issue request data shown in FIGS. 8, 9 and 10.

FIG. 13 is a layout diagram showing an example of the contents of the check issuance authentication request data shown in FIGS. 2, 8, 9, and 10.

14 is a layout diagram showing an example of the contents of the check issued and authenticated data shown in FIGS. 2, 8, 9, and 10. FIG.

FIG. 15 is a layout diagram showing an example of the contents of the check settlement request data shown in FIGS. 8, 9 and 10.

FIG. 16 is a layout diagram showing an example of the contents of the payment substitution data shown in FIG. 9.

FIG. 17 is a layout diagram showing an example of the contents of payment subrogation authentication data shown in FIG. 9.

18 is a layout diagram showing an example of the contents of the arrival confirmation authentication request data shown in FIG.

19 is a layout diagram showing an example of the contents of the sales site arrival confirmation data shown in FIG.

20 is a layout diagram showing an example of the contents of the arrival confirmation data shown in FIG.

FIG. 21 is a flow chart of check issue request processing by the input / output terminal device.

FIG. 22 is a flowchart of payment substitution processing by the input / output terminal device.

FIG. 23 is a flowchart of arrival confirmation processing by the input / output terminal device and the arrival confirmation device.

[Explanation of symbols]

1 Input / output terminal device 1 2 Input / output terminal device 2 3 Family A 4 Family B 5 Network network 6 Own bank account management device (account management device with family member) 7 Other bank account management device (payment device or sales site management) Account management device that has transactions with the device 8 Host computer of credit company 9 Payment device (installed in a store etc.) 10 Sales site management device (operates product sales site on the network) 11 Arrival confirmation device 12 Wireless communication 13 Near field Communication 14 Payment request data 15 Check issuance authentication request data 16 Check issuance authenticated data 17 Payment data 18 Check issuance request data (encryption with one's private key) 19 Check issuance authenticated data (encryption with one's private key) 20 Check settlement request data 21 Check issuance impossible data (encrypted with one's house key) 22 Subrogation data (household 23 Payment subrogation authentication data (encrypted with one's house key) 24 Receipt confirmation authentication request data 25 Receipt confirmation data for sales site 26 Data encrypted with receipt confirmation data as key (one of house key 27) Data obtained by observing receipt confirmation data and encrypted with a key 28 Delivery data 29 Key 30 for decrypting receipt confirmation data for sales site 30 Arrival confirmation data

Front page continuation (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 410 G06F 17/60 410C 412 412 ZEC ZEC B65G 61/00 500 B65G 61/00 500 G07F 19/00 G09C 1 / 00 660B G09C 1/00 660 G07D 9/00 476

Claims (17)

[Claims] 1. A family account system is an account management device for managing a bank account, an input / output terminal device operated by a family member (a family member is a member of a family and is a member of the family; hereinafter referred to as family member). Both devices are configured to perform data communication while performing predetermined authentication wirelessly and by wire, and the account management device is an authentication means for each family member and an authentication unit for each family member (in the case of authentication for each family member, all the family members are authenticated). Authorized to have the authority to operate all the household accounts.), Means for the household to arbitrarily set the breakdown code for each account, breakdown code corresponding to the financial transaction request from the input / output terminal operated by the household A means for generating journals including, a means for processing the journals to update a balance for each breakdown code, a means for setting a pattern for processing a plurality of the financial transaction requests with a single financial transaction request,
In addition, in response to a balance inquiry request from the input / output terminal device, a balance list is displayed in a specific form (hereinafter referred to as a pocket money book) from the balances of the breakdown codes in the plurality of accounts held by the family members by the family-specific authentication means. A specific form (hereinafter referred to as a household account book) based on the means of providing and the balance of the breakdown codes in all the accounts held by all the family members by the above-mentioned family unit authentication means.
A family account system characterized by providing a list of balances. 2. The account management device according to claim 1, wherein in order to automatically execute a financial transaction pattern, a means for setting a date and time to be executed as a trigger item, or an account code of a specific financial transaction partner is a trigger item. A family account system characterized by setting a means for setting as a pair and a pattern to be automatically executed as a pair. 3. The account management device according to claim 1, wherein a means for setting the breakdown code in the account and another party's account code or the breakdown code in the account as a partner, the breakdown code in the account and the partner As a means of linking with the account code of the account management device of another financial institution or the account management device of the credit company, etc. existing on the network, when carrying out a financial transaction using the breakdown code in the account A family account system, characterized by having means for converting into the account code of the other party to create a transaction journal, and means for replacing with the balance of the account code of the other party when obtaining the balance of the detail code in the account. 4. The account management device according to claim 1, a means for receiving payment request data from a payee connected to the network in a predetermined format, a means for storing the received payment request data, and a payment request. Retains a means to sort data based on due date and a means to select billing data based on a specific period or date
Means for providing payment request data to the input / output terminal device of the user, and the input / output terminal device for receiving the provided payment request data, means for setting an account code and a breakdown code for payment for each payment request data When rejecting a payment request, the means for refusing is retained, and the set account code and breakdown code are sent from the input / output terminal device to the account management device, and the account management device receives and sets the account code and breakdown code. A family account system comprising means for creating financial transaction journal data and transferring data to a payee via a network in a predetermined format for payment notification and rejection notification. 5. Authentication for data communication between the account management device and the input / output terminal device is performed in the account management device using a public key cryptosystem (or even if the authentication means is performed by another device). The key is generated and managed by a key for each household (hereinafter referred to as a household key).
There are three types of keys: family keys that have all the authority of the family key held by each family member (hereinafter referred to as the family key) and keys that can be shared by the family (hereinafter referred to as the authorized key). And a means for decrypting the data sent from the input / output terminal device with one of the keys paired with the key used in the input / output terminal device. When the data is transmitted to the terminal device, the input / output terminal device that has means for encrypting and transmitting with the key of the corresponding family member is used by the family member is a plurality of keys for each family member (family key) transmitted from the account management device. (A family member who can use is a family key, a family key, and an authorized key, and other family members are a family key and an authorized key.)
A family account system comprising: a means for storing the data, a means for encrypting the transmission data with an appropriate key, a means for transmitting the data to the account management apparatus, and a means for decrypting the data encrypted by the account management apparatus. 6. An electronic check system is installed in an input / output terminal device held by a family member, an account management device of a financial institution with which the family member conducts transactions (hereinafter referred to as an own account management device), a store, etc. The payment device that is in use and the account management device of the financial institution that conducts transactions with the payment device (hereinafter referred to as another bank account management device), and the space between the input / output terminal device and the own bank account management device is defined in claim 5. Perform data communication using the house key,
The payment device and the other bank account management device also perform wired and wireless data communication by a predetermined public key encryption method, and when a family member purchases goods, services, etc. at a store by electronic check, the payment device Is a payment amount of goods, services, etc. purchased by a family member, payee bank information (a bank code and an account code in the other bank account management device, hereinafter referred to as payee bank information), payment terms, and payment device A means for creating payment data including a number (a payment device uniquely understood by another bank account management device, and hereinafter referred to as a payment device number), purchase details information, etc., short-distance communication (infrared communication) , Bl
uetooth, specified low power wireless, wireless LAN etc. and adapter connection, grounding between devices. Hereinafter referred to as near field communication. ) Holds a means for transmitting the payment data to an input / output terminal device carried by a family member, and the input / output terminal device receives the payment data from the payment device by short-distance communication, and displays the received payment data on a display screen. , A means for inputting the account information of the own-account management device to instruct an electronic check issuance request, and the payment data and the input account information are processed into predetermined check issuance request data according to the check issuance request instruction. Means, a means for encrypting with a house key and transmitting it to the own account management device, a means for decrypting the check issue request data received by the own account management device and storing the data for each family member, an electronic check whose payment amount is the family member Means for determining whether it is possible to issue an electronic check by performing a pre-arranged limit amount calculation from the account balance of the account information instructed to issue the check. A means to identify the other bank account management device of the financial institution that is transacting with the payment device based on the payee bank information in the issuance request data, the own bank information for the check issuance authentication request to the identified other bank account management device, the family member Means for creating check issuance authentication request data including prearranged data items such as account information, payment amount, payee bank information, payment conditions, payment device number, issue date and time, check issue reference number, etc., pre-arranged transmission procedure Means for transmitting to the other bank account management device, and the other bank account management device receives the check issuance authentication request data and stores the received data with the authentication date and time and the authentication reference number. Means to identify the payment device from the data items such as information and payment device number, authentication date and time passed to the identified payment device, certification reference number, payment amount, payment conditions, etc. Means for creating payment device authentication data including data items, means for encrypting the created payment device authentication data with one key of a public key cryptosystem pre-arranged with the payment device, encrypted payment device authentication A means for creating predetermined check issuance authenticated data including data, a means for transmitting the created check issuance authenticated data to the self-account management device that issued the check issuance authentication request in accordance with a predetermined communication procedure, and own account management The device is a means for storing the check issuance authenticated data received from the other bank account management device in association with the stored check issuance request data and storing the received check issuance authenticated data for the checker. The output terminal device has a means for transmitting encrypted data, and the input / output terminal device receives the check-issued authenticated data sent from the own bank account management device and restores it. Means for displaying the check issuance authenticated data on the display screen of the input / output terminal device, and means for transmitting the check issuance authenticated data to the payment device by short-distance communication. One of the means for receiving check-issued authenticated data via short-distance communication, and one of the public-key cryptosystems pre-arranged with the other-bank account management device, which is the encrypted payment device authentication data included in the check-issued authenticated data. Hold the means to decrypt with a key, the means to display the decrypted data on the display of the payment device, the means to confirm the receipt of the displayed data by the clerk etc. From the device to the other bank account management device, a means for creating predetermined check settlement request data from the check authenticated data, a means for encrypting and transmitting the check settlement request data, and holding the other bank account. The management device stores the check settlement request data upon receiving the check settlement request data, and a means for collating with the check issue authenticated data stored based on the authentication date and time and the authentication reference number included in the check settlement request data, A means for selecting check settlement request data that can be settled from a check issuance settlement request data based on payment conditions, and a means for transmitting the selected check settlement request data to the issuing own bank account management device by a predetermined communication procedure, When the bank account device receives the check settlement request data from the other bank account device, it checks the saved check issue request data and the check issue authenticated data, the corresponding check issue request data, and the check issue authenticated data. Method to set processing category, means to issue withdrawal journal from household account to payee's account and process in bank transaction It holds a means for reducing the balance of the account of the family member, and the other bank account management device that conducts the transaction with the payment device may be the same as the own account management device that conducts the transaction with the family member, In the same case, the electronic check system is characterized in that the processing performed by the other bank account management device is performed in the own bank account management device. 7. In the limit calculation in the own account management device in the electronic check system according to claim 6, a predetermined limit calculation is performed, and if the result of the limit calculation is not enough to issue an electronic check, a predetermined check issuance is issued. Means to create impossible data,
The input / output terminal device of the household 1 holds the means for transmitting the check unissueable data to the input / output terminal device of the family member (hereinafter referred to as family member 1 in this claim) who has issued the electronic check issue request. A means for receiving the check issuance impossible data and displaying the check issuance impossible data on the display screen, and inputting the family member information for requesting the subrogation of the payment to another family member (hereinafter referred to as family member 2 in this claim). Means, means for creating predetermined payment substitution data from the input household information and payment data, means for transmitting the created payment substitution data to the own-account management apparatus, the own-account management apparatus holding payment from the household 1 A means for associating and storing the original check issuance request data and the payment substituting data, which has received the subrogation data and is no longer able to issue a check, and sends the payment substituting data to the input / output terminal device held by the family member Means for receiving payment substitution data and displaying the payment substitution data, the means for inputting account information and creating predetermined payment substitution authentication data when performing the payment substitution, A means for transmitting the payment substitution authentication data to the own account management apparatus is held, and the own account management apparatus receives the payment substitution authentication data of the house 2 and calculates a limit amount from the input account information to calculate the account of the house 1 A means for creating check issuance authentication request data by substituting information, a means for communicating with another bank account management device in accordance with a predetermined procedure, a check issuing process, and transmitting check issuance authenticated data to the family 1 and the family 2 Also has means for notifying that the check has been issued, and when the subrogation is refused by the family member 2, a rejection notice is sent to the family member 1 via the own account management device. Hand system. 8. The electronic transaction system, a device for operating a product sales site on the Internet, an input / output terminal device of the electronic check system of claim 6, an own account management device for communicating with the input / output terminal device, and another bank. Account management device (not payment device,
It is an account management device of a financial institution that is in transaction with a device that operates the product sales site, and performs data communication by the public key cryptosystem. ), An arriving confirmation device, and the family member communicates from the input / output terminal device with a device that operates a product sales site on the Internet (hereinafter referred to as a sales site management device) according to a predetermined communication procedure. In the payment process when purchasing goods, services, etc., the sales site management device holds a means for performing payment settlement by electronic check, the payment amount,
Pre-arranged data such as payee bank information, payment conditions, receipt confirmation conditions, site number (a number unique to the sales site management device from other bank account management devices, hereinafter referred to as site number), purchase statement information, etc. A means for creating payment data including items, a means for transmitting the created payment data to the input / output terminal device, the input / output terminal device receiving the payment data and displaying the payment data on the display screen, payment A means for inputting account information to create check issuance request data, a means for transmitting the created check issuance request data to the own bank account management device, and the own account management device is based on the received check issuance request data The other bank account management device that is in transaction with the other bank account management device is identified, and the check issuance authenticated data is requested by requesting the other bank account management device for check issuance authentication according to the procedure of claim 6. In addition to holding the means to receive, if the arrival confirmation condition needs to be confirmed by checking the arrival confirmation condition, at the same time as the check issuance request, the arrival confirmation confirmation including the date and time when the arrival confirmation was created, the arrival confirmation reference number and other data items. It holds a means to create request data and a means to send to the other bank account management device, and the other bank account management device receives the arrival confirmation date and time and the receipt authentication reference number from the receipt confirmation authentication request data received at the same time as the check issue authentication request data. A means for creating predetermined sales site arrival confirmation data including data items, etc., and encrypts the created sales site arrival confirmation data with one of the keys of the public key cryptosystem that can be authenticated by the sales site operating device. Means for transmitting the encrypted receipt confirmation data for the sales site to the own bank account management device at the same time as the check issued and authenticated data. The management device is a means for creating predetermined receipt confirmation data including the received receipt confirmation data for the sales site, and the own account management device holds the created receipt confirmation data which can be shared by the family of claim 5. Holds a means of encrypting with an authorization key and sending it to the input / output terminal together with the check issued and authenticated data,
The input / output terminal device has a means to send the received check-issued authenticated data, encrypted receipt confirmation data, and delivery destination information to the sales site management device, and the sales site management device encrypts the check issue-authenticated data and encryption. A means for receiving the received receipt confirmation data and delivery destination information, a means for storing the received data, and if receipt confirmation is unnecessary, create a check settlement request data from the check issue authenticated data and send it to another bank account management device. A means for holding the means for making a payment request, and if receipt confirmation is necessary, a means for extracting the arrival confirmation data for the delivery from the arrival confirmation data and the delivery destination information saved when the product is delivered,
A means for creating predetermined delivery data including receipt confirmation data, a means for transmitting a key for decrypting the created delivery data and the receipt confirmation data for the sales site to the receipt confirmation device are held, and the receipt confirmation device stores the delivery data, Means to receive the key to decrypt, means to store the received delivery data and key,
A method to scan the delivery label on the delivery to search for the corresponding delivery data, a method to display the retrieved data on the display screen of the arrival confirmation device, and a delivery staff who will show it to the family member and confirm the arrival. A means for transmitting the encrypted receipt confirmation data in the delivery data to the input / output terminal device of the house by short-distance communication from the device, and the family member receiving the receipt confirmation data encrypted by the input / output terminal device A means for decrypting the received receipt confirmation data that has been encrypted with the admission key that is stored in advance, and a means for transmitting the decrypted receipt confirmation data to the receipt confirmation device by short-range communication, and confirming the receipt The device is a means for receiving and storing the decrypted receipt confirmation data, a means for decrypting and verifying the receipt confirmation data for the sales site in the received receipt confirmation data, and a verified receipt confirmation data. Has a means for transmitting to the sales site management device upon completion of delivery, and the sales site management device is a predetermined check including data items such as check confirmation serial number and the like from the check issued certified data and the stock confirmation data received from the stock confirmation device. It has means for creating payment request data and sending it to another bank account management device to request payment processing.The other bank account management device of the financial institution that conducts transactions with the sales site management device is The electronic transaction system may be the same as an own bank account management apparatus of a financial institution that conducts a transaction, and in the case of being the same, the processing performed by the other bank account management apparatus is performed in the own bank account management apparatus. 9. The cross-country account management device of the electronic transaction system according to claim 8, wherein means for generating a key for each purpose for authenticating for each purpose of electronic transaction, means for storing a predetermined tag for each purpose, An electronic transaction system comprising means for transmitting one of the keys to a sales site operating device. 10. The family account system according to claim 1,
Payment request data from the payee of claim 4, check issuance request data for electronic check issuance, check issuance authentication request data, check issuance authenticated data, and check settlement request data for each account management device. To store financial transaction journal data in electronic check settlement between account management devices, to extract each of the above-mentioned data by account code and breakdown code, and arrange them in order of occurrence date, and process the arranged data into a specific form A family account system characterized by means and means for transmitting processed data to an input / output terminal device. 11. The input / output terminal device is a device having a built-in microprocessor, and an input unit for inputting data, a storage unit for storing data, a display unit for displaying data, and a wireless / wired connection / communication to a network. And a control unit for controlling each of the above-mentioned units, and means for storing a plurality of keys for communicating with a plurality of account management devices by the public key cryptosystem, according to the account management device for communication. A device having a means for selecting a key, a means for encrypting data with the selected key, and having a program operating as a terminal of a family member of the family account system and / or the electronic check system and / or the electronic transaction system. An input / output terminal device characterized by the above. 12. The input / output terminal device according to claim 11,
The configuration is such that a short-distance communication unit for performing short-distance communication and a call unit for making a call are added, and when the payment check data is received in the electronic check system according to claim 7, from the telephone number information of the sender's house in the payment check data An input / output terminal device having means for making a telephone call. 13. The input / output terminal device according to claim 11 or 12, wherein a plurality of keys stored in the input / output terminal device are used for other input / output in a network or short-range communication by a communication procedure which is arranged in advance. A means to send to the terminal device, a means to receive the transmitted key, a means to store the key for each family member so that multiple family members can use it jointly, a password from the input section of the input / output terminal device, and a family member is identified by the password input Means to
An input / output terminal device characterized by being able to use only the key of the identified family member. 14. The payment device is a device having a built-in microprocessor, and has a display unit for displaying data, an input unit for inputting data, a storage unit for storing data, a communication unit for connecting and communicating with a network, and a short distance. It is composed of a short-range communication unit that performs communication and a control unit that controls each of the above units,
It has means for storing multiple keys for communicating with multiple account management devices by public key cryptography, means for selecting keys according to the communicating account management devices, and means for encrypting data with the selected keys. A payment device, which is a device having a built-in program that operates as a terminal of a store or the like of the electronic check system. 15. The sales site management device is a computer device, which holds a program for managing a sales site on a network and provides means for clearing an electronic check in the electronic transaction system and an arrival confirmation service in product delivery. A sales site management device, characterized by means for performing, and means for creating delivery data and providing it to the arrival confirmation device. 16. The receipt confirmation device is a device having a built-in microprocessor, and is a display unit for displaying data, an input unit for inputting data, a storage unit for storing data, a scan for scanning a delivery label and reading information. A device that includes a reading unit, a communication unit that connects and communicates with a network, a short-distance communication unit that performs short-distance communication, and a control unit that controls the above-mentioned units, and that has a program built in as a terminal at the time of delivery of the electronic transaction system. The arrival confirmation device characterized in that 17. An electronic transaction reservation method comprises a device 1, a subrogation device 1 for substituting electronic transactions of the device 1, a device 2, and a subrogation device 2 for substituting electronic transactions of the device 2. The data communication between the proxy device 1 and the data communication between the device 2 and the proxy device 2 are performed by exchanging keys in order to perform communication by the public key cryptosystem in advance, and the data communication between the proxy device 1 and the proxy device 2 is performed. In order to perform electronic transaction (including financial transaction) from the device 1 to the device 2 when the key is not exchanged between the device 1 and the device 2 according to the predetermined communication procedure, the device 2 is used by the device 2 Of the subrogation device 2 information and the device 2 information that can be uniquely identified by the subrogation device 2 are transmitted to the device 1 without being encrypted,
The device 1 is a means for processing the received information and electronic transaction information for conducting a transaction with the device 2 into predetermined electronic transaction request data, and encrypts the electronic transaction request data with a key which has been passed in advance and transmits it to the subrogation device 1. Means for holding and substituting device 1
Decrypts the received electronic transaction request data and substituting device 2
Identifying means, means for processing predetermined electronic transaction reservation request data from the apparatus 2 information and electronic transaction information for making electronic transaction reservation with the subrogation apparatus 2, and means for transmitting the electronic transaction reservation request data to the substitution apparatus 2. The subrogation device 2 holds, and means for identifying the device 2 from the received electronic transaction reservation request data, means for substituting the device 2 and processing predetermined electronic transaction reservation acceptance data for accepting the electronic transaction reservation, to the device 2. Means for creating predetermined electronic transaction reservation acceptance notification data for notifying that the electronic transaction reservation has been accepted and encrypting the electronic transaction reservation acceptance notification data with a key exchanged with the device 2 in advance, said electronic transaction reservation acceptance A means for storing the data and the encrypted electronic transaction reservation acceptance notification data and transmitting the data to the subrogation device 1 is held, and the subrogation device 1 receives the electronic transaction reservation acceptance data and the electronic data. Means for creating predetermined electronic transaction request confirmation data for notifying the device 1 of the electronic transaction request approval, storing the electronic reservation request data as a pair, the electronic transaction request confirmation data and the encrypted electronic transaction reservation acceptance notification The device 1 holds a means for transmitting data to the device 1, and the device 1 confirms the received electronic transaction request confirmation data and encrypts the encrypted electronic transaction reservation acceptance notification data to the device 2 by data communication. The device 2 holds the means for transmitting, and the device 2 decodes and confirms the received electronic transaction reservation acceptance notification data, and the predetermined electronic transaction reservation execution request data from the electronic transaction reservation acceptance notification data for executing the electronic transaction reservation. And a means for encrypting the electronic transaction reservation execution request data and transmitting it to the subrogation device 2.
Holds a means for collating with the stored electronic transaction reservation acceptance data and a means for requesting the subrogation apparatus 1 to carry out an electronic transaction reservation, and the substitution apparatus 1 holds the stored electronic transaction reservation request data and electronic transaction reservation. An electronic transaction reservation method, characterized in that electronic transaction is carried out by collating with acceptance data.