JP2000113089A - Electronic bill system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain an electronic bill system which can actualize a safe and speedy on-line connection between a bank and a bill drawer or between an issuer and a recipient. SOLUTION: An issue-source computer 1 generates an electronic bill on the basis of a predetermined discount rate by using an unspecified random number, ciphers the bill by using a random factor, and sends it to the bank. The bank withdraws the requested amount of money from the account of the issuer of the electronic bill, gives an electronic sign to the electronic bill ciphered with a secret key, and sends it back to the issue-source computer, which deciphers the sent-back electronic bill and draws a bill. The computer 2 as the recipient of the electronic bill after confirming the electronic sign sends and presents the bill to the bank. The bank collates the electronic sign of the electronic bill and pays the amount of money corresponding to the electronic bill to the account of the recipient to settle the account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to
Withdraws bills traded between corporations and individuals and individuals for the purpose of paying a fixed amount of money online through a network of computers safely and without worry.
The present invention relates to an electronic bill system capable of receiving and paying.

[0002]

2. Description of the Related Art In recent years, bills have been widely used in business transactions between legal persons, corporations and individuals, and between individuals. Checks are also used for small transactions, but checks are not substantially different from cash transactions, but have a limited range of use, and bills can be traded by credit without current cash, so current transactions are Is indispensable.

[0003] Bills are securities intended for payment of a fixed amount, and include bills of exchange and promissory notes. A bill of exchange is a security entrusting the drawer to the payer to make a certain amount of payment to the beneficiary or other legitimate holder of the bill, and a promissory note is a document promissory for the drawer to pay the payee or other legitimate person. A security that promises to pay a certain amount to the owner.

The promissory note is issued by issuing the note to the recipient. To make a promissory note, the drawer must state the legal matter on the security and be signed by the drawer.

[0005] Promissory notes can be settled through a bank for the payment of a commercial transaction, and when the note expires, the bank can convert the note into cash. Since bills are also used as a means of deferring payments by credit, they can receive bill lending and bill discounts, and can also be used as a means of raising funds.

[0006] Promised bills do not pose any problems if they can be settled as usual, but there are also cases where there is no deposit balance in the designated bank account even after the bill expires, and so-called bankruptcy may occur. Such a bad debt is unavoidable in the event of a real shortage of money, but there may be deposit balances in other accounts, and the debtor of the drawer deposits into another account of the drawer. The bill issuer may misunderstand that there is a deposit balance in his account. In such a case as well, a credit may be imposed, and once a credit is imposed, in a commercial transaction including a bank transaction, the credit may be reduced, the stock price and the like may be affected, and there is a possibility that the situation will be irreparable.

[0007] In order to prevent such a situation, the present inventor has tried an electronic bill system that enables secure and quick bill transactions online.

However, the distribution of bills is complicated, and the issue is how to secure the credit between the originator and recipient of the bill, or between these persons and the bank. There is also a special feature that payees fluctuate in bill transactions. Furthermore, the value of bills traded can be quite high, and ensuring the security of the transactions is an important issue.

However, Japanese Patent Publication No. Hei 7-111723 proposes an electronic currency system, but this proposal requires specific development since there is no specific disclosure of bill transactions.

[0010]

Therefore, the first aspect of the present invention
The problem is that electronic bill system that can realize safe and quick online in bill transaction, specifically, secure and quick online between bank and bill drawer or drawer and payee can be realized. To provide.

[0011] A second object of the present invention is to provide an electronic bill system capable of realizing a secure and quick online operation in accordance with the bill form, specifically, in ordinary bill settlement, fund procurement, endorsement transfer. It is in.

[0012] A third object of the present invention is to provide an electronic bill system capable of realizing an on-line system including a guarantee organization.

[0013]

According to a first aspect of the present invention, there is provided a computer for a bill drawer.
When issuing an electronic note to the note recipient's computer, both the drawer and the recipient's computer share the electronic note issuing program, confirm the mutual PIN and self-signed signature, and execute the program. An electronic bill system is characterized by:

According to a second aspect of the present invention, the electronic bill delivery program is arranged such that a promised payment field, a bill input field, a drawer's signature field, a payee's name or name field, and a payout date are entered. And a column for inputting the payment date, and a column for selecting any of fixed-date payment, regular payment after date, list payment or list-after periodic payment can be displayed on the monitor. The electronic bill system according to claim 1.

According to a third aspect of the present invention, the electronic bill delivery program is configured to be able to monitor and display a field for displaying a promissory note or a field for inputting an address or a place of payment and a place of payment. 3. The electronic bill system according to claim 2, wherein:

According to a fourth aspect of the present invention, there is provided the electronic bill system according to the second aspect, wherein the electronic bill issuing program is configured to be able to monitor and display a column indicating whether or not there is an endorsement prohibition phrase.

According to a fifth aspect of the present invention, the electronic bill issuing program is configured to be able to monitor and display a check box as to whether the drawer agrees with or disagrees with the duty to pay the bill. An electronic bill system according to claim 2.

[0018] In the invention according to claim 6, in the case where the box that agrees with the duty to pay attention of the bill is checked, the receipt of the electronic bill is digitized and transmitted to the drawer, and the box that disagrees is checked. The electronic bill system according to claim 5, wherein the draw-out is not performed in the case of performing the operation.

According to a seventh aspect of the present invention, the self-recognition signature of the issuer and the recipient is an electronic signature registered in advance between the recipient and the issuer. Item 7. An electronic bill system according to any one of Items 1 to 6.

According to the invention described in claim 8, the self-recognition signature of the sender and the recipient can be any of fingerprint, vocal cord information, face information, DNA information, and imprint registered between the recipient and the sender. The electronic bill system according to claim 7, wherein one of the electronic bills is an electronic signature.

According to a ninth aspect of the present invention, when a computer of a bill drawer requests a bank computer to issue an electronic bill, both the drawer and the computer of the bank share the electronic bill issuing program. The electronic bill system is characterized by confirming a personal identification number and a self-recognition signature of a drawer and executing the program.

According to a tenth aspect of the present invention, when a bill drawer concludes a current account contract with a bank, a credit check sheet required for drawing a promissory note and transmission of a signal thereof are provided. If the result of the judgment based on the sent questionnaire is good, the result is sent to the issuer, and the bank registers the issuer's personal identification number and self-signed signature, and the bank and the issuer An electronic bill system, characterized by executing a program for bringing online.

The invention according to claim 11 is characterized in that the self-recognizing signature is an electronic signature obtained by digitizing any one of a fingerprint, vocal cord information, face information, DNA information, and imprint. Electronic bill system.

According to a twelfth aspect of the present invention, the bill drawer uses an electronic bill in which a discount rate has been written in advance when financing from the bank receiving the electronic bill by lending or discounting the bill. An electronic bill system characterized by the following.

According to a thirteenth aspect of the present invention, the discount rate is associated with at least creditworthiness of a drawer of the electronic bill and electronic data of a history of transactions made in the past. It is an electronic bill system.

The invention according to claim 14 is the electronic bill system according to claim 12, wherein the discount rate is associated with the electronic data of the ID of the drawer of the electronic bill.

According to a fifteenth aspect of the present invention, the bank receives the electronic signature of the payee in addition to the electronic signature of the drawer when providing funds to the bill issuer. An electronic bill system as described.

According to a sixteenth aspect of the present invention, there is provided the electronic bill system according to the fifteenth aspect, wherein the electronic signature is a personal identification number and a self-recognition signature of a payer and a payee registered in a bank in advance.

The invention according to claim 17 is characterized in that the self-recognizing signature is an electronic signature obtained by digitizing any one of a fingerprint, vocal cord information, face information, DNA information, and imprint. Electronic bill system.

According to the invention described in claim 18, when the settlement of the electronic bill is performed between the computer of the bill receiver and the computer of the bank, both the computer of the bill receiver and the computer of the bank set the settlement program of the electronic bill. The electronic bill system is characterized in that the password is shared, the password of the bill recipient and the self-recognition signature are confirmed, and the program is executed.

[0031] According to a nineteenth aspect of the present invention, the electronic bill settlement program is configured such that, when the electronic bill is settled at the bank, whether or not the account specified by the drawer has a balance corresponding to the amount required for settlement. Means for confirming whether or not the result of the confirmation by the balance confirming means is negative, a means for accommodating from another account in the same bank or another bank account previously delivered by the drawer. 19. The electronic bill system according to claim 18, comprising:

According to a twentieth aspect of the present invention, there is provided the electronic bill according to the eighteenth or nineteenth aspect, wherein the settlement program of the electronic bill includes an approval program from a drawer for accommodation through the accommodation means. System.

According to a twenty-first aspect of the present invention, the computer issuing the electronic bill creates an electronic bill using an unspecified random number based on a discount rate previously determined by a specific bank, and generates the electronic bill. Is encrypted using a random factor and sent to the bank, and the bank sent the electronic bill,
Withdraw the requested amount from the bank account of the issuer based on the electronic bill, sign an electronic signature on the encrypted electronic bill with a private key and send it back to the issuing computer, and the issuing computer is Decrypts and sends out the encryption of the returned electronic bill, and the receiving computer of the electronic bill confirms the authenticity of the electronic signature of the electronic bill, sends it to the bank, presents it, and displays the electronic bill. The presented bank is an electronic bill system, in which after checking the electronic signature of the electronic bill, the bank pays an amount corresponding to the electronic bill to a payee's account and makes a payment.

[0034] In the invention described in claim 22, the bank is:
22. The electronic bill system according to claim 21, further comprising a means for accommodating a shortage of the presented electronic bill when the amount of the electronic bill is larger than the balance of the account designated by the drawer.

An electronic bill system according to the twenty-first aspect of the present invention, wherein the financing means is for financing from a bank.

According to a twenty-fourth aspect of the present invention, the accommodating means performs replenishment by debiting from another account which the drawer has previously reported to a specific bank and delegated. Item 22. An electronic bill system according to Item 21.

According to a twenty-fifth aspect of the present invention, the computer issuing the electronic bill creates an electronic bill using an unspecified random number on the basis of a discount rate previously determined by a specific bank, and generates the electronic bill. Is encrypted using a random factor and sent to the bank, and the bank sent the electronic bill,
After confirming the trust of the issuer based on the electronic data of the electronic bill, the encrypted electronic bill is electronically signed with a private key and sent back to the issuing computer, and the issuing computer is Decrypts and sends out the code of the returned electronic bill, and the computer of the recipient of the electronic bill confirms the electronic signature of the electronic bill and sends it to the bank to present it to the bank, where the electronic bill is presented. Is characterized in that, after verifying the electronic signature of the electronic bill, an amount corresponding to the electronic bill is transferred from an account designated by the drawer to an account of the payee and settled. System.

[0038] In the invention according to claim 26, the bank comprises:
26. The electronic bill according to claim 25, further comprising a means for accommodating a shortfall of the presented electronic bill when the amount of the electronic bill is larger than the balance of the account designated by the drawer via the accounting means. System.

The invention as set forth in claim 27 is the electronic bill system according to claim 25, wherein the accommodation means is for financing from a bank.

According to a twenty-eighth aspect of the present invention, the financing means performs replenishment by debiting from another account which the drawer has previously reported to a specific bank and delegated. Item 30. An electronic bill system according to Item 25.

According to a twenty-ninth aspect of the present invention, the computer issuing the electronic bill creates an electronic bill using an unspecified random number on the basis of a discount rate previously determined by a specific bank, and generates the electronic bill. Is encrypted using a random factor and sent to the bank, and the bank sent the electronic bill,
After confirming the trust of the issuer based on the electronic data of the electronic bill, the encrypted electronic bill is electronically signed with a private key and sent back to the issuing computer, and the issuing computer is Decrypts and sends out the encryption of the returned electronic bill, and the receiving computer of the electronic bill confirms the authenticity of the electronic signature of the electronic bill, sends it to the bank, presents it, and presents the electronic bill. After checking the electronic signature of the electronic bill, the bank withdraws the amount corresponding to the electronic bill from the account specified by the drawer, deposits the amount in the receiver's account, and performs settlement. It is an electronic bill system.

According to a thirty-first aspect of the present invention, the bank includes:
30. The electronic bill system according to claim 29, further comprising a means for accommodating a shortfall of the presented electronic bill when the amount of the presented electronic bill is larger than the balance of the account designated by the drawer.

According to a thirty-first aspect of the present invention, there is provided the electronic bill system according to the twenty-ninth aspect, wherein the accommodation means is for financing from a bank.

According to a thirty-second aspect of the present invention, the accommodating means replenishes the bank by debiting from another account which the drawer has previously reported to a specific bank and delegated. Item 30. An electronic bill system according to Item 29.

According to a thirty-third aspect of the present invention, when the electronic bill is transferred from the computer of the bill receiver to the computer of the second bill receiver who receives the electronic bill, the bill receiver and the second bill receiver are transferred. The two computers share an electronic bill transfer program, confirm the mutual identification number and the self-recognition signature, and then execute the program.

According to a thirty-fourth aspect of the present invention, there is provided the program according to the thirty-third aspect, wherein the program at the time of the transfer transmission includes a content for determining whether or not to delete the name of the transferee. It is an electronic bill system.

[0047]

Embodiments of the present invention will be described below. Delivery of Electronic Bill from Bill Drawer to Bill Recipient In the embodiment of the present invention, an electronic bill 4 is delivered from the bill drawer's computer 1 to the bill recipient's computer 2 as shown in FIG. The electronic bill issuing programs A and B are used. In executing this program, the issuer's computer 1 has the delivery program A, and the recipient's computer 4 has the delivery program B, and shares the delivery program.

The computer used in the present invention includes an arithmetic device, a control device, a storage device (memory), an input device (keyboard, mouse, etc.), and an output device (printer, etc.). It is also preferable that the output device includes a card issuing device that issues the issued electronic bill in the form of a card.

The electronic bill drawn from the bill drawer is:
It is stored in the storage device of the bill receiver, but the storage format is not particularly limited. It is also preferable to create a bill file in the storage device and save it in a format in which the freedom of taking out can be controlled. The stored electronic bill can be used as an electronic card in the card issuing device.

In this embodiment, from the viewpoint of ensuring the security of the issuance of bills, it is necessary to confirm the passwords and the self-recognition signatures of both the bill issuer and the bill recipient, and this confirmation is incorporated in the program. Although it is possible to check independently by a separate communication program, it is included in the electronic bill delivery program considering that both PINs and self-recognized signatures are quickly confirmed and further registered with each other. Is more preferred.

Here, the self-recognition signature of the sender and the recipient is an electronic signature that is registered in advance between the recipient and the sender, and includes a fingerprint, vocal cord information, face information, It is preferable to use an electronic signature obtained by digitizing one of the DNA information and the imprint.

An electronic signature using a fingerprint is provided, for example, on a part of the monitor 101 of the computer 1 shown in FIG.
02, a fingerprint pressing unit is provided, and when a fingertip is pressed against the fingerprint pressing unit, the fingerprint is read and converted into electronic information. Note that a fingerprint reader may be separately provided and connected to a computer to input information.
Alternatively, a fingerprint pressed on paper or the like may be read by an image scanner and digitized.

For the vocal cord information, the recorded voice is digitized using a recording device attached to the computer.

The face information can be digitized using the detection unit 102 in the same manner as the fingerprint.

As DNA information, separately measured information may be input and used as electronic information.

The seal uses the registered seal as a seal.

In the case of a corporation, the representative may be determined in advance and the fingerprint or the like of the representative may be used.

The electronic bill issuing programs A and B are shown in FIG.
As shown in the figure, the process starts with the selection of a bill issuer or a bill receiver. When one of them is selected, the bill issuer starts execution of the grant program A, or the bill recipient starts execution of the grant program B.

According to the execution of the program A, the bill issuer proceeds in accordance with the flow shown in FIG. 3, enters a personal identification number, enters a self-recognition signature, and sends it to the bill recipient. On the other hand, the bill receiver also proceeds in accordance with the flow shown in FIG. 3 in accordance with the execution of the program B, inputs a personal identification number, inputs a self-recognition signature, and transmits it to the bill issuer. When transmission and reception are completed, confirmation and registration are performed.

Next, the bill issuer performs monitor input of the contents of the delivery of the electronic bill. FIG. 2 shows an example of the monitor screen, in which a column 103 indicating that the bill is a promissory note, a column 104 for promising payment, a column 105 for inputting the amount of the bill, a signature column 106 of the drawer, a recipient , A column 107 for inputting the date of withdrawal, a column 109 for inputting the address or place of payment and the place of payment, and a column 110 for entering a due date.

Further, a column 111 for selecting any one of fixed payment, fixed payment after date, list payment or list payment after list.
To the monitor.

Column 103 for indicating that the bill is a promissory note
May be present anywhere on the monitor, and the drawer will mouse check this field to indicate that. Similarly, the promised payment column 104 is a column for displaying a phrase for making a promised payment, and the drawer checks this column with the mouse and displays that fact.

The column 105 for inputting the amount of the bill is a column for the drawer to input the amount, and preferably has a column for selecting a yen or a foreign currency. Enter the amount. It is preferable to provide a field on the monitor that allows the user to individually input with a pen, together with a number input field. The pen-input characters are either Chinese characters or numbers, and these characters are preferably registered as handwriting. It is preferable to prepare software that invalidates the electronic bill after the entered amount has been changed.In the case of a change in the amount, the electronic bill issuance invalidation software is activated, and the amount is rewritten by another person, for example. Even if the electronic handprint is different from the registered handwriting, it is preferable that the electronic handprint is invalidated to ensure double security. When different numbers are described in the numeric input box and the pen writing input box, an invalid display may be displayed, and the numeric input box may be corrected with the pen writing input field being positive or automatically corrected.

In the signature column 106 of the issuer, his / her personal identification number is input, and the self-recognition signature is digitized and converted into an electronic signature. These signatures are registered, and the fact that the signature has been registered is displayed. It is preferable to use it for checking. This is because identity verification can be performed reliably.

The recipient's name or name column 107 is provided with a column for selecting one of a name, a name, and an abbreviation. It is also preferable to provide a single or a plurality of columns. In this case as well, a mouse check is performed, and input is made in each column.

A column 108 for inputting a withdrawal date, a column 109 for inputting an address or a payment place and a payment place of the place of payment, and a column 110 for inputting a payment date may also be input or selectable. preferable.

A column 111 for selecting one of fixed date payment, fixed payment after date, list payment, and fixed list payment is as follows.
The drawer makes a mouse check to select. In the field of the fixed date payment, a column of 月 month 日 day is prepared. In the column of regular payment after the date, a column of ○ months from the date of withdrawal, and ○ months and a half from the date of withdrawal is prepared. In the list payment column, a column of paying on the day of the bill presentation or paying at any time is prepared. In this case, it is preferable to provide a column for the presence or absence of interest complaint and a column for the interest rate.
In the column of regular payment after listing, prepare a column of ○ month payment after listing and ○ day payment after listing. In this case, it is preferable to provide a column for the presence / absence of an interest phrase and a column for an interest rate.

The electronic bill issuing program is provided with a column 112 for the presence or absence of an endorsement prohibition phrase.
It cannot be endorsed.

It is also preferable that the electronic bill issuing program is configured such that a check box 113 as to whether the issuer agrees with or disagrees with the obligation to pay the bill can be displayed on the monitor. This is for ensuring the safety and reliability of the withdrawal by making the drawer consider the duty of care again. If the mouse check is performed in the column that agrees with the duty to pay attention to the draft, the receipt of the electronic bill will be digitized and sent to the drawer, and if the mouse check is performed in the disagreement column, the draw will not be performed. Become.

The promissory note must have an income stamp attached. However, in the system of the present invention, when opening a checking account at a bank, a stamp prepaid ledger may be created and the account debited. In the case of stamps, in principle, the endorser or guarantor signs the stamp first, and if the drawer signs later, the endorser or guarantor who issued the bill on a white background is obliged to attach the stamp. If a bill on a white background is issued,
Since it is stated that the person who replenished the money must affix a stamp at the time of replenishment, a column 114 for inputting the name of the payer may be provided in consideration of these.

The above is the contents of the electronic bill issuing program. When these contents are input, the system is checked, and if provided, the bill is issued and transmitted.

After receiving, the recipient returns a confirmation signal,
Delivery is over.

[0073] Electronic notes issueing this invention is a drawer aspect of the electronic bill, as shown in FIG. 4, the computer 1 bill drawer, the computer 3 banks, when requesting shaken electronic bill The computers 1, 3 of both the drawer and the bank share the draw programs C, D of electronic bills.

As shown in FIG.
First selects either the drawer or the bank, selects the drawer, and executes the draw program C. When a bank is selected, the withdrawal program D is executed.

The drawer inputs and transmits a personal identification number and a self-recognition signature, and the bank receives, confirms and registers.

When the bill drawer draws the electronic bill,
The bank must have a checking account, in which case it is necessary to enter into a checking account agreement with the drawer. Therefore,
In the electronic draft drawing program, a bank displays a questionnaire on the drawer's monitor, fills in necessary information and sends it as electronic information in order for the bank to perform the credit check required for drawing the promissory note A program that, if the bank determines the credit based on the transmitted questionnaire is good, sends the result to the drawer, and the bank will use the drawer's password to identify the drawer. It has a program for registering self-recognition signatures. In accordance with this program, squirting is performed as shown in FIG.

As described above, the self-recognition signature is preferably an electronic signature in which any one of the fingerprint, vocal cord information, face information, DNA information, and imprint is digitized, in order to safely and reliably output.

Funding Form FIG. 6 shows the electronic bill 4 from the computer 1 of the bill drawer.
From the computer 3 of the bank that has received the borrowing, the financing is made by lending or discounting the bill. What is important in this embodiment is that the discount rate is written in advance on the electronic bill 4. This allows quick fundraising with electronic bills. The discount rate is associated with at least the creditworthiness of the issuer of the electronic bill and the electronic data of the transaction history performed in the past, or the discount rate is associated with the electronic data of the ID of the issuer of the electronic bill. It is also preferred.

It is preferable that the bank receive the payee's electronic signature in addition to the drawer's electronic signature when providing funds to the bill issuer. It is more preferable that the electronic signature is a personal identification number and a self-recognition signature of the issuer and recipient registered in advance at the bank, and the self-recognition signature is any one of fingerprint, vocal cord information, face information, DNA information, and imprint. The electronic signature is preferably an electronic signature.

Settlement of Electronic Bill Between Bill Recipient and Bank In electronic bill settlement, when an electronic bill is settled between the computer of the bill recipient and the computer of the bank, as shown in FIG. In the meantime, the computer 2 of the bill payee and the computer 3 of the bank are connected to the electronic bill settlement program E,
It is important to share F.

After confirming the password and self-recognition signature of the bill receiver, the bank executes the program to settle the bill.

As shown in FIG. 8, the electronic bill settlement program, as shown in FIG. 8, is used to settle an electronic bill at a bank and settle the balance according to the amount required for settlement in an account specified by the drawer on the settlement date of the electronic bill. It is preferable to provide a balance confirmation unit for confirming whether or not the transaction has a bad bill in order to prevent a bankruptcy and to conduct a secure electronic bill transaction.

When the result of the confirmation by the balance confirmation means is negative, the provision of the accommodation means can prevent the delinquency.

[0098] The means of accommodation includes the means of accommodation from another account (see FIG. 9) or another bank account (see FIG. 10) in the same bank previously sent by the drawer, and the money is debited from the other account. The loan may be made, or the money may be transferred from another account to the designated account.

It is preferable that the settlement program of the electronic bill includes an approval program from the drawer for accommodation through the accommodation means. This approval program is intended to establish a system that allows one bank to freely exchange funds when one bank has a shortage of funds and another bank provides a loan. This approval program is important for online issuance of regular written powers of attorney.

A specific payment program is shown in FIG.
As shown in FIG. 1, first, the computer 1 that has issued the electronic bill generates an electronic bill using an unspecified random number based on a discount rate determined in advance by a specific bank, and uses the random number as a basis for the electronic bill. And encrypt it and send it to the bank.

The computer 3 of the bank to which the electronic bill was sent
Withdraws the requested amount from the bank account of the issuer on the basis of the electronic bill, sends an electronic signature to the encrypted electronic bill with a private key, and sends it back to the issuing computer 1.

The issuing computer 1 decrypts the cipher of the returned electronic bill, issues it, and delivers it.

The electronic bill receiving computer 2 confirms the authenticity of the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.

After the electronic bill is presented to the computer 3 of the bank, the computer 3 checks the electronic signature of the electronic bill, deposits the amount corresponding to the electronic bill into the account of the receiver, and makes a payment.

It is more preferable that the electronic signature is a personal identification number and a self-recognition signature of the issuer and the payee registered in the bank in advance.

[0092] It is preferable that the bank has a means for accommodating a shortfall of the presented electronic bill when the amount of the presented electronic bill is larger than the balance of the account designated by the drawer.

It is preferable that the financing means is for financing from a bank, or for replenishment by a drawer who has previously delivered to a specific bank and withdrawn from another account which has been delegated. .

As another specific example, as shown in FIG. 12, first, the computer 1 which issues the electronic bill uses an unspecified random number based on a discount rate previously determined by a specific bank. A bill is created, and the electronic bill is encrypted using a random factor and sent to the computer 3 of the bank.

Bank computer 3 to which the electronic bill was sent
Confirms the trustworthiness of the issuer based on the electronic data of the electronic bill, and then uses the private key to sign the encrypted electronic bill and send it back to the issuing computer 1.

The issuing computer 1 decrypts the cipher of the returned electronic bill, gives it out, and delivers it.

The electronic bill receiving destination computer 2 confirms the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.

The computer 3 of the bank presented with the electronic bill checks the electronic signature of the electronic bill, and then deposits the amount corresponding to the electronic bill from the account designated by the drawer into the account of the receiver. Make a payment.

If the amount of the presented electronic bill is larger than the balance of the account designated by the issuer, the computer 3 of the bank may have a means for accommodating the shortage via the accounting means. preferable. The accommodation means,
It is preferable that the loan is made from a bank and that the drawer reports to a specific bank in advance and performs replenishment by debiting from another delegated account.

As another specific example, as shown in FIG. 13, first, the computer 1 which has issued the electronic bill uses an unspecified random number based on a discount rate previously determined by a specific bank. A bill is created, and the electronic bill is encrypted using a random factor and sent to the computer 3 of the bank.

The computer 3 of the bank to which the electronic bill was sent
Confirms the trust of the issuer based on the electronic data of the electronic bill, and then uses the private key to electronically sign the encrypted electronic bill and sends it back to the issuing computer 1.

The computer 1 as the issuing source decrypts the cipher of the returned electronic bill and issues the issuing.

The electronic bill receiving destination computer 2 confirms the authenticity of the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.

The computer 3 of the bank presented with the electronic bill checks the electronic signature of the electronic bill, and then withdraws the amount corresponding to the electronic bill from the account designated by the drawer and deposits the amount in the receiver's account. And make a payment.

When the amount of the presented electronic bill is larger than the balance of the account designated by the drawer, the computer 3 of the bank preferably has a means for accommodating the shortfall, and the accommodating means comprises: It is preferable that the loan is made from a bank, and that the drawer informs a specific bank in advance and performs replenishment by debiting from another account that has been delegated.

Electronic Bill Transfer FIG. 14 shows a mode in which an electronic bill is transferred from one bill receiver to another bill receiver, and a second electronic bill is transferred from the computer of the first bill receiver. When transferring the electronic bill to the bill payee's computer or the third bill payee's computer, both the bill payee and the second bill payee's computers share the electronic bill transfer program, and After confirming the password and the self-recognition signature, the program is executed.

It is preferable that the program at the time of the transfer transmission includes a content for determining whether or not to delete the name of the transferee.

In the transfer of a bill on a white background, it is preferable to provide a column in the transfer program as to whether or not to select a bill on a white background. A bill on a white background is an unfinished bill issued by the signer without a part or all of the bill requirements, with the intention of having the acquirer supplementarily enter the bill at a later date.

Even in the case of electronic bills involving a guarantor, safe and quick bill transactions can be realized using the above-mentioned program.

In the bill of exchange as well, each of the above-mentioned programs for issuing and issuing can be transformed into a bill of exchange and used.

[0111]

As described above, according to the present invention, it is possible to realize a secure and quick online transaction in a bill transaction, specifically, a security between a bank and a bill issuing person, or a security between a drawer and a payee. We can provide an electronic bill system that can be quickly and online, and realizes secure and quick online in accordance with the bill form, specifically in ordinary bill settlement, fund procurement, endorsement transfer It is possible to provide an electronic bill system which can be provided, and which can be realized online including a guarantee organization.

[Brief description of the drawings]

FIG. 1 is a diagram showing a mode of issuing an electronic bill.

FIG. 2 is a diagram showing a monitor display example when an electronic bill is issued.

FIG. 3 is a diagram showing an example of an electronic bill issuing program.

FIG. 4 is a view showing a mode of drawing out an electronic bill.

FIG. 5 is a diagram showing an example of an electronic bill drawing program;

FIG. 6 is a diagram showing an example of financing by an electronic bill;

FIG. 7 is a diagram showing an electronic bill settlement mode;

FIG. 8 is a diagram showing an example of settlement of an electronic bill.

FIG. 9 is a diagram showing an example of settlement of an electronic bill.

FIG. 10 is a diagram showing an example of settlement of an electronic bill.

FIG. 11 is a diagram showing an example of settlement of an electronic bill.

FIG. 12 is a diagram showing an example of settlement of an electronic bill.

FIG. 13 is a diagram showing an example of settlement of an electronic bill.

FIG. 14 is a diagram showing an example of transfer of an electronic bill.

[Explanation of symbols]

 1: Computer of the electronic draft issuer (original) 2: Computer of the electronic draft recipient (destination) 3: Computer of the bank 4: Electronic draft

Claims (34)

[Claims] When issuing an electronic bill from a computer of a bill issuer to a computer of a bill receiver, both the computer of the drawer and the computer of the recipient share an electronic bill issuing program, and the mutual identification numbers are used. And a self-recognition signature, and execute the program. 2. The electronic bill delivery program provides a promised payment field, a bill input field, a drawer signature field, a payee name or name field, a draw date input field, and a payment date. 2. The electronic device according to claim 1, further comprising: a column for selecting any of fixed payment, fixed payment after date, list payment, or fixed payment after list. Bill system. 3. The electronic bill delivery program is characterized in that a field for displaying a promissory note or a field for inputting an address of a place of origin or a place of payment and a place of payment can be displayed on a monitor. Item 3. The electronic bill system according to Item 2. 4. The electronic bill system according to claim 2, wherein the electronic bill issuing program is configured to be able to monitor and display a column indicating whether or not there is an endorsement prohibition phrase. 5. The electronic bill issuing program according to claim 2, wherein the drawer is configured to be able to monitor and display a check box as to whether the drawer agrees with or disagrees with the obligation to pay the bill. Electronic bill system. 6. When checking a field that agrees with the duty to pay attention of the bill, the receipt sign of the electronic bill is digitized and transmitted to the drawer, and when the field of disagreement is checked,
6. The electronic bill system according to claim 5, wherein no drawing is performed. 7. The electronic signature according to claim 1, wherein the self-recognition signature of the sender and the recipient is an electronic signature registered in advance between the recipient and the sender. Electronic bill system as described in. 8. The self-recognition signature of the drawer and the payee is obtained by digitizing any one of fingerprint, vocal cord information, face information, DNA information, and imprint registered in advance between the payee and the drawer. The electronic bill system according to claim 7, wherein the electronic bill system is an electronic signature. 9. The computer of both the drawer and the bank shares the electronic bill withdrawal program when requesting the withdrawal of the electronic bill from the computer of the drawer to the computer of the bank, and the personal identification number of the drawer. And a self-recognition signature, and execute the program. 10. When a bill drawer enters into a current account contract with a bank, a credit check sheet required for drawing a promissory note is transmitted, a signal thereof is transmitted, and the transmitted questionnaire is included in the form. If the result is good, the result is sent to the issuer, and the bank registers the issuer's PIN and self-signed signature, and executes a program to go online between the bank and the issuer. An electronic bill system characterized by: 11. The electronic bill system according to claim 10, wherein the self-recognizing signature is an electronic signature obtained by digitizing any one of a fingerprint, vocal cord information, face information, DNA information, and imprint. 12. An electronic bill system, wherein a bill drawer uses an electronic bill with a discount rate written in advance when raising funds from a bank receiving the electronic bill by lending or discounting the bill. . 13. The electronic bill system according to claim 12, wherein the discount rate is associated with at least creditworthiness of a drawer of the electronic bill and electronic data of a transaction history performed in the past. 14. The discount rate is an ID of a drawer of an electronic bill.
13. The electronic bill system according to claim 12, wherein said electronic bill system is associated with said electronic data. 15. The electronic bill system according to claim 12, wherein the bank receives the electronic signature of the payee in addition to the electronic signature of the drawer when providing the funds to the bill issuer. 16. The electronic bill system according to claim 15, wherein the electronic signature is a personal identification number and a self-recognition signature of a payer and a payee registered in a bank in advance. 17. The electronic bill system according to claim 16, wherein the self-recognizing signature is an electronic signature obtained by digitizing any one of a fingerprint, vocal cord information, face information, DNA information, and imprint. 18. When executing the settlement of an electronic bill between the computer of the bill receiver and the computer of the bank, both the computer of the bill receiver and the computer of the bank share the settlement program of the electronic bill, and the receiver of the bill An electronic bill system comprising: confirming a personal identification number and a self-recognition signature of the user and executing the program. 19. A balance confirming means for confirming whether or not an electronic bill settlement program has a balance according to an amount required for settlement in an account designated by a drawer when an electronic bill is settled at a bank. And, if the result of the confirmation by the balance confirmation means is negative, a lending means for lending from another account in the same bank or another bank account previously delivered by the drawer, The electronic bill system of claim 18. 20. The electronic bill system according to claim 18, wherein the settlement program of the electronic bill includes an approval program from a drawer for accommodation through an accommodation means. 21. A computer which issues an electronic bill generates an electronic bill using an unspecified random number based on a discount rate previously determined by a specific bank, and encrypts the electronic bill using a random factor. The bank sends the electronic bill to the bank, and the bank withdraws the requested amount from the bank account of the drawer based on the electronic bill, and converts the electronic bill into an encrypted electronic bill with a private key. The signature is sent back to the issuing computer, the issuing computer decrypts and sends out the cipher of the electronic bill sent back, and the computer receiving the electronic bill receives the authenticity of the electronic signature of the electronic bill. After confirming the electronic bill and presenting it to the bank, the bank presented with the electronic bill checks the electronic signature of the electronic bill, and then pays the amount corresponding to the electronic bill to the payee. E-bill system according to claim credited to perform a payment to the account. 22. The bank according to claim 21, wherein when the amount of the presented electronic bill is larger than the balance of the account specified by the drawer, the bank has a means for accommodating the shortfall. Electronic bill system. 23. The electronic bill system according to claim 21, wherein said financing means is for financing from a bank. 24. The electronic bill system according to claim 21, wherein said borrowing means is for replenishing the bank by a drawer who has previously reported to a specific bank and debited from another account delegated. . 25. A computer which issues the electronic bill generates an electronic bill using an unspecified random number based on a discount rate previously determined by a specific bank, and encrypts the electronic bill using a random factor. The electronic bill is sent to the bank, and the bank that sent the electronic bill confirms the trust of the issuer based on the electronic data of the electronic bill, and uses the private key to sign the electronic bill on the encrypted electronic bill. And sends it back to the issuing computer.The issuing computer decrypts and sends out the code of the returned electronic bill, and the receiving computer of the electronic bill confirms the electronic signature of the electronic bill. After sending the electronic bill to the bank and presenting the electronic bill, the bank, after verifying the electronic signature of the electronic bill, pays the amount corresponding to the electronic bill from the account designated by the drawer. E-bill system, characterized in that it is intended to carry out the settlement and payment to the payee's account. 26. The bank according to claim 26, wherein when the amount of the presented electronic bill is larger than the balance of the account designated by the issuer, the bank has a financing means for financing the shortage via the accounting means. The electronic bill system according to claim 25, wherein 27. The electronic bill system according to claim 25, wherein said financing means is for financing from a bank. 28. The electronic bill system according to claim 25, wherein said borrowing means is for replenishing the drawer by sending it to a specific bank in advance and debiting it from another account delegated. . 29. A computer which issues an electronic bill generates an electronic bill using an unspecified random number based on a discount rate previously determined by a specific bank, and encrypts the electronic bill using a random factor. The electronic bill is sent to the bank, and the bank that sent the electronic bill confirms the trust of the issuer based on the electronic data of the electronic bill, and uses the private key to sign the electronic bill on the encrypted electronic bill. And sends it back to the issuing computer.The issuing computer decrypts and sends out the cipher of the electronic bill sent back, and the receiving computer of the electronic bill checks the authenticity of the electronic signature of the electronic bill. After confirming and sending the electronic bill to the bank, and presenting the electronic bill, the bank checks the electronic signature of the electronic bill and then responds to the electronic bill from the account designated by the drawer. E-bill system which is characterized in that the settlement was credited to the payee's account the amount of money was in debit. 30. The bank according to claim 29, wherein when the amount of the presented electronic bill is larger than the balance of the account specified by the drawer, the bank has a means for accommodating the shortfall. Electronic bill system. 31. An electronic bill system according to claim 29, wherein said accommodation means is for financing from a bank. 32. The electronic bill system according to claim 29, wherein said lending means is for replenishing the account by debiting the account from another account which has been previously notified to a specific bank by a drawer. . 33. When the electronic bill is transferred from the computer of the bill receiver to the computer of the second bill receiver who receives the electronic bill, both the computer of the bill receiver and the computer of the second bill receiver receive the electronic bill. After sharing their transfer program and confirming each other's PIN and self-signed signature,
An electronic bill system that executes the program. 34. The electronic bill system according to claim 33, wherein the program at the time of the transfer includes a content for determining whether or not to delete the name of the transferee.