JP4054044B2 - Bank account system - Google Patents

Description

  The present invention relates to a bank deposit account with improved safety, an online payment system and an online shopping system using the deposit account.

  The online shopping system using personal computer communication has the advantage that users can shop at home, and the store can supply users with a large amount of the latest product or service information. It has the advantage of being able to sell products and services to distant users, and has recently become increasingly popular with the development of computers and communication lines. Furthermore, recently, the online shopping system has shifted to the Internet world, and PC owners can obtain information on visual products or services of stores around the world through their websites. Coupled with this, the number of users of the online shopping system has increased explosively, and the online shopping system is attracting great expectations and attention as a new form of business. In the online shopping system, payment for the purchase price is often carried out online using a bank deposit account or a credit card from the viewpoint of ease of processing.

For example, in an online shopping system in which the payment of the purchase price is settled by a bank deposit account, the store host system supplies order information for the user to place an order online to the user's computer system. The person writes payment information such as a bank name, a deposit account number, and a personal identification number in this, and transmits it to the store. Then, the store's host system queries the bank's host system via the communication line whether the payment for the purchase price of goods or services can be settled by the deposit account, and places an order if the inquiry result is acceptable. Receive an order. When the order is completed, goods or services are provided from the store to the user, and the purchase price is withdrawn from the deposit account on the settlement date. Documents related to such prior art are listed below.
JP 60-235272 A Japanese Patent Laid-Open No. 3-196394 JP-A-8-96034

  As mentioned above, when a bank PIN, deposit account number, card number, etc. are exchanged online, the PIN or card number is stolen by a hacker, etc. There is a danger that orders for services and services will be made. Therefore, although the store supplies software that encrypts information to the user online, the user encrypts the PIN number, deposit account number, card number, etc. before sending the information. May be deciphered and is not necessarily an effective measure.

  Note that the problem of the bank PIN being stolen exists not only in the online shopping system but also in other electronic commerce transactions in which payment is settled by a bank deposit account.

  The present invention has been made in view of the circumstances as described above, and an object thereof is to provide a bank deposit account with improved safety, an online payment system and an online shopping system using the same. is there.

(1) A first aspect of the present invention is a bank deposit account system comprising an ATM, a host computer connected to the ATM, and a storage device connected to the host computer.
  The host computer includes
  A time deposit account that is opened only on the opening day within the opening period is received from the depositor as an account number of an existing deposit account and a predetermined opening period and an opening day of the opening period. A first means of opening in association;
  The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
  A third means for presenting the account number of the opened time deposit account to the depositor;
  When the opening period has passed, a fourth means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
  When there is a settlement inquiry request indicating the predetermined settlement amount and settlement date by specifying the account number of the time deposit account, it is determined whether settlement using the time deposit account is possible, and the result is the settlement inquiry A fifth means for transmitting to the requester of the request;
  A sixth means for transferring the payment amount from the time deposit account when the fifth means determines that payment is possible;
  Provided,
  The first means is based on an account number obtained by the ATM reading from the depositor's bankbook or cash card, or an account number obtained by key operation input of the depositor to the ATM. Identifying the existing deposit information related to the existing deposit account stored in the storage device and associating the time deposit information related to the time deposit account including the opening period and the opening day of the week with the existing deposit information To store in the storage device,
  The second means checks whether the transfer amount input by the depositor for the ATM is transferable by searching the existing deposit information, and if transfer is possible, the transfer The process for transferring the amount from the existing deposit account to the time deposit account is performed by updating the existing deposit information and the time deposit information,
  The third means performs a process of giving an instruction to the ATM to print a transaction statement in which an account number of the time deposit account is described,
  The fourth means is a process for transferring deposits remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account when the opening period in the time deposit information has elapsed. By updating the existing deposit information and the time deposit information,
  The fifth means searches for the time deposit information relating to the account number specified in the settlement inquiry request, and the time deposit account is being opened on the settlement date, and the settlement amount is settled. If it is possible to make a payment,
  The sixth means performs a process of transferring the settlement amount from the time deposit account to the predetermined account of the request source on a predetermined settlement date when the fifth section determines that settlement is possible. Is.

  (2) According to the second aspect of the present invention, in the bank account system according to the first aspect described above, a specific opening time zone is specified instead of opening a specific opening day for a time deposit account. A time deposit account is opened only during a specific opening time within a set opening period.

If the deposit account system according to the present invention described above is used, an online payment system or an online shopping system can be provided.

  Since the time deposit account of the present invention disappears when the predetermined opening period ends, the damage when the password is stolen can be reduced.

  In addition, by making it possible to open the time deposit account of the present invention only for a predetermined day of the week and / or time period, damage caused when the password is stolen can be reduced.

  The online payment system of the present invention can reduce the deposit only during the opening period of the time deposit account, and therefore can reduce the damage when the PIN is stolen.

  Since the online shopping system of the present invention receives an order only within the period for opening a time deposit account, it is possible to reduce the damage caused when the password or the card number is stolen.

  Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a schematic configuration of a bank host system having means for opening a time deposit account according to the present invention. The host system 1 includes a host computer 2 and a storage device 3 connected to the host computer 2, and the host computer 2 is connected to an ATM (automatic deposit / payment machine) 4. The storage device 3 includes a deposit account master 3a that records information related to a deposit account, and a time deposit account master 3b that records information related to a time deposit account. The means for opening a time deposit account is composed of a program stored in the ROM of the computer that controls the ATM 4 and a program stored in the ROM of the host computer 2.

  The procedure for opening a time deposit account will be described with reference to the flowchart shown in FIG. On the operation screen of ATM 4, transaction details such as deposit withdrawal, deposit, transfer, time deposit account opening, etc. are displayed, and the depositor selects an item for time deposit account opening from these (Steps # 5, # 10) ).

  When this is completed, the screen requests insertion of a bankbook or cash card, so the depositor inserts the bankbook or cash card into a predetermined insertion slot of ATM4. If there is no bankbook or cash card, a deposit account number is input using an operation key (step # 15).

  When this is finished, the depositor inputs an arbitrary number because the screen requests input of a personal identification number. When this is completed, the ATM 4 inquires the host computer 2 whether or not this number has already been registered, and the host computer 2 searches the time deposit account master 3b and informs the ATM 4 of the result. If the same password already exists, the ATM 4 screen displays a message indicating that the password cannot be accepted and a request for inputting the password again, so that the depositor operates to input the password until it can be accepted ( Steps # 20 and # 25). The personal identification number may be automatically given from the ATM 4, or the ATM 4 may give a part of the personal identification number, and the depositor may combine the arbitrary number with this to create the personal identification number.

  When the setting of the personal identification number is completed, the screen requests input of a time deposit account opening period, and the depositor inputs a desired period (step # 30). When this is complete, the screen asks whether you want to specify the opening day of the week and the opening time zone. Enter the day of the week and / or the time zone if you want to specify it, otherwise enter the next operation (transfer amount input) ) Is input (steps # 35 and # 40).

  Next, the screen asks for the transfer amount from the deposit account that the depositor already has to this bank to the time deposit account, so the depositor enters the desired amount. The host computer 2 searches the deposit account master 3a to check whether it can be transferred, and if possible, transfers the amount from the deposit account to the time deposit account (step # 45). Finally, a transaction statement that prints the timed account number, opening period (day of the week, time zone), deposit balance, etc. is issued (step # 50). The time deposit account disappears when the opening period ends, and the deposit remaining in the time deposit account is automatically transferred to the depositor's deposit account.

  FIG. 3 is a block diagram showing a schematic configuration of an embodiment of the online shopping system of the present invention. This online shopping system is such that the purchase price of goods or services is settled by a bank deposit account, and the user's computer system 5 is connected to the store host system 6 via the public network PL, and the store 1 is connected to the bank host system 1 of FIG. 1 via a dedicated communication line L.

  A user computer system 5 includes a personal computer (hereinafter referred to as a personal computer) 7 and a printer 8, and the personal computer 7 is connected to the public network PL through an interface 9.

  The store host system 6 includes a host computer 10, a storage device 11, and a terminal device 12, and the host computer 10 is connected to the public network PL through an interface 13. The storage device 11 has a product information master 11a for managing product image data and detailed information (manufacturer name, price, size, color, etc.). The terminal device 12 is used to input product information and the like to the host computer 10 and is configured by a personal computer or the like.

  Next, the case of actually purchasing goods and services using this online shopping system will be described with reference to the flowchart of FIG. First, the user opens a time deposit account at the bank. Next, the user activates the personal computer 7 to connect to the Internet and displays the homepage of the desired store (step # 105). When the user selects a product genre according to an instruction on the screen (step # 110) and then inputs a manufacturer name (step # 115), the store host computer 10 stores the image data of the product from the product information master 11a. Is transmitted to the user's personal computer 7 (step # 120).

  After confirming the image data of the product, the user inputs a request to display detailed information (price, color, size) of the product according to the instruction on the screen. The store host computer 10 reads the detailed information of the product from the product information master 11a and transmits it to the user's personal computer 7 (step # 125). If the user confirms the information and wishes to purchase the product, enter that information and the screen will display the bank name and deposit account number of the bank account used to settle the payment for the purchase of the product. Since the user requests input of payment information such as a personal identification number, the user inputs payment information such as a time deposit account number according to the instruction (steps # 130 and # 135). When the user inputs that he / she does not wish to purchase the product, the screen returns to the product genre selection screen.

  When the payment information has been input, the store host computer 10 inquires of the bank host computer 2 via the communication line L whether the purchase price of the product can be settled by the user's time deposit account. The host computer 2 of the bank searches the time deposit account master 3b, checks the deposit balance and opening period of the user's time deposit account, and checks whether or not settlement is possible. Is transmitted to the store host computer 10 and the transaction content is recorded in the time deposit account master 3b (step # 140). If payment is not possible in step # 140, an error message is displayed and a question is asked whether or not to cancel the transaction. If transaction continuation is selected, the screen returns to the product genre selection screen, and if transaction cancellation is selected, the screen returns to the homepage screen (step # 145).

  When the store's host computer 10 receives a notice from the bank's host computer 2 that payment can be made, the store's host computer 10 notifies the user's personal computer 7 that the order has been completed and asks whether or not to purchase another product. When the user inputs that he / she purchases another product, the screen returns to the product genre selection screen, and when the user inputs no purchase, the screen returns to the homepage screen.

  When the store receives an order from the user, the store ships the product. Then, the purchase price of the product is transferred from the user's deposit account to the store's deposit account on the settlement date.

  Next, another embodiment of the online shopping system of the present invention will be described. FIG. 5 is a block diagram showing a schematic configuration of the online shopping system. In addition, the same code | symbol is attached | subjected to the part same as the system of FIG. 3, and description is abbreviate | omitted.

  This online shopping system is such that the purchase price of goods or services is settled by credit card, and the host system 14 of the credit company has a host computer 15 and a storage device 16. The host computer 15 is connected to the store host computer 10 via the communication line L, and is connected to the bank host computer 2 via the communication line L. The storage device 16 has a customer master 16a for managing information related to customers (card number, credit balance, expiration date, black card, etc.).

  When the opening of the time deposit account is completed, the user notifies the credit company of the account number and password of the time deposit account, and the credit company records them in the customer master 16a.

  Next, a procedure for a user to order goods or services from a store will be described with reference to FIG. The procedure from step # 105 to step # 130 is the same as that in the embodiment of FIG. In this embodiment, in step # 135, the user inputs credit information such as a credit company name, a credit card number, and a payment method.

  When the input of the credit information is completed, the store host computer 10 inquires of the credit company host computer 15 via the communication line L whether or not the purchase price of the product can be settled by the user's time deposit account. The host computer 15 of the credit company searches the customer master 16a and checks whether the credit balance is a black card or not, and determines whether a time deposit account is opened on the settlement date via the communication line L. To the bank's host computer 2.

  The host computer 2 of the bank searches the time deposit account master 3b, checks the opening period of the user's time deposit account, and transmits the result to the host computer 15 of the credit company. In response to this, the host computer 15 of the credit company determines whether or not the card can be used, and if so, transmits the fact to the host computer 10 of the store and records the transaction contents in the customer master 16a. (Step # 140). If the card cannot be used, a message to that effect is sent to the store host computer 10, an error message is displayed on the user's personal computer 7, and a message is displayed asking whether or not to cancel the transaction. When the user selects to continue the transaction, the screen returns to the product genre selection screen, and when the user selects to cancel the transaction, the screen returns to the homepage screen (step # 145). The process of step # 150 is the same as that of the embodiment of FIG.

  When the store receives an order from the user, the store ships the product. The purchase price of the product is transferred from the user's deposit account to the credit company's deposit account on the settlement date.

  In the above embodiment, when there is a card inquiry from the store to the credit company, the credit company inquires the bank about the opening period of the time deposit account, but the user opens the time deposit account to the credit company. The credit card company may determine whether or not the card can be used based on the opening period. If it does in this way, when there is a card inquiry from the store to the credit company, the credit company can promptly respond.

  In the above embodiment, the user transmits the credit card number. Instead, when the user registers the time deposit account with the credit company, the credit company deletes the time deposit account. At the same time, a temporary credit card number that disappears may be given to the user, and the user may place an order using this number. In this way, it is possible to prevent the credit card number from being known to hackers and the like, and thus the safety is further improved.

  Moreover, in each said embodiment, although a store or a credit company makes the inquiry of a time deposit account directly to a bank, you may make it inquire through a credit system. Further, when a store makes a card inquiry to a credit company, it may be made via a credit system.

The block diagram which shows schematic structure of the host system of a bank. The flowchart figure which shows the procedure of a time deposit account opening. The block diagram which shows schematic structure of one Embodiment of the online shopping system of this invention. The flowchart figure which shows the utilization method of the online shopping system of this invention. The block diagram which shows schematic structure of other embodiment of the online shopping system of this invention.

Explanation of symbols

1 Bank Host System 6 Store Host System 7 User Computer System 14 Credit Company Host System PL Public Line Network (Communication Line)
L Communication line

Claims (2)

A bank deposit account system comprising an ATM, a host computer connected to the ATM, and a storage device connected to the host computer ,
The host computer
A time deposit account that is opened only on the opening day within the opening period is received from the depositor as an account number of the existing deposit account and a predetermined opening period and an opening day of the opening period. A first means of opening in association;
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
A third means for presenting the account number of the opened time deposit account to the depositor;
When the opening period has passed, a fourth means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
When there is a settlement inquiry request indicating the predetermined settlement amount and settlement date by specifying the account number of the time deposit account, it is determined whether settlement using the time deposit account is possible, and the result is the settlement inquiry A fifth means for transmitting to the requester of the request;
A sixth means for transferring the payment amount from the time deposit account when the fifth means determines that payment is possible;
Have
The first means is based on an account number obtained by the ATM reading from the depositor's bankbook or cash card, or an account number obtained by key operation input of the depositor to the ATM. Identifying the existing deposit information related to the existing deposit account stored in the storage device, and associating the time deposit information related to the time deposit account including the opening period and the opening day of the week with the existing deposit information To store in the storage device,
The second means checks whether the transfer amount input by the depositor for the ATM is transferable by searching the existing deposit information, and if transfer is possible, the transfer The process for transferring the amount from the existing deposit account to the time deposit account is performed by updating the existing deposit information and the time deposit information,
The third means performs a process of giving an instruction to the ATM to print a transaction statement in which an account number of the time deposit account is described,
The fourth means is a process for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account when the opening period in the time deposit information has elapsed. By updating the existing deposit information and the time deposit information,
The fifth means searches for the time deposit information relating to the account number specified in the settlement inquiry request, and the time deposit account is being opened on the settlement date, and the settlement amount is settled. If it is possible to make a payment,
The sixth means performs a process of transferring the payment amount from the time deposit account to the predetermined account of the request source on a predetermined settlement date when the fifth means determines that settlement is possible. And a deposit account system. A bank deposit account system comprising an ATM, a host computer connected to the ATM, and a storage device connected to the host computer ,
The host computer
A time deposit account that is opened only during the opening time period within the opening period is received from the depositor by specifying an account number of the existing deposit account and a predetermined opening period and opening time period. A first means of opening in association with an account;
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
A third means for presenting the account number of the opened time deposit account to the depositor;
When the opening period has passed, a fourth means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
When there is a settlement inquiry request indicating the predetermined settlement amount and settlement date by specifying the account number of the time deposit account, it is determined whether settlement using the time deposit account is possible, and the result is the settlement inquiry A fifth means for transmitting to the requester of the request;
A sixth means for transferring the payment amount from the time deposit account when the fifth means determines that payment is possible;
Have
The first means is based on an account number obtained by the ATM reading from the depositor's bankbook or cash card, or an account number obtained by key operation input of the depositor to the ATM. Specifying the existing deposit information related to the existing deposit account stored in the storage device, and the time deposit information related to the time deposit account including the opening period and the opening time zone to the existing deposit information Performing a process of associating and storing in the storage device;
The second means checks whether the transfer amount input by the depositor for the ATM is transferable by searching the existing deposit information, and if transfer is possible, the transfer The process for transferring the amount from the existing deposit account to the time deposit account is performed by updating the existing deposit information and the time deposit information,
The third means performs a process of giving an instruction to the ATM to print a transaction statement in which an account number of the time deposit account is described,
The fourth means is a process for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account when the opening period in the time deposit information has elapsed. By updating the existing deposit information and the time deposit information,
The fifth means searches for the time deposit information related to the account number specified in the settlement inquiry request, and the time deposit account is open at the settlement date and settles the settlement amount. If it is possible to make a payment,
The sixth means performs a process of transferring the payment amount from the time deposit account to the predetermined account of the request source on a predetermined settlement date when the fifth means determines that settlement is possible. And a deposit account system.

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