JP2001229330A - Electronic Trading System Transaction Confirmation Method - Google Patents

Abstract

(57) [Summary] [Problem] To reduce the risk of a credit number being stolen. SOLUTION: A seller's credit card is inserted into a deposit / withdrawal terminal of a buyer, and a decision is made.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of confirming money transactions using a computer, and more particularly to a method of confirming money transactions when it is difficult to confirm the credit of a transaction partner. The present invention relates to a transaction confirmation method for an electronic transaction system.

[0002]

2. Description of the Related Art At present, an electronic transaction system in which an electronic transaction is performed by a card and a computer in payment of money has been put to practical use.

[0003] The settlement of this type of electronic transaction system is mostly performed by means in which a buyer transmits a confirmation number such as a credit to a seller. This is extremely dangerous for the buyer, and the confirmation number such as credit is stolen, causing troubles such as forgery of the card and improper withdrawal.

[0004]

The problem to be solved is to prevent unauthorized electronic payment by a method in which the buyer does not give the seller important personal information such as a credit or other confirmation number. .

[0005]

According to the present invention, the seller transmits a confirmation number such as a credit to the buyer. The confirmation number such as the credit of the seller is exclusively used for depositing, and the financial institution center does not allow the withdrawal. Register in advance on the computer. Insert the seller's e-transaction card with a confirmation number, such as a credit for depositing, into the buyer's terminal connected to the computer at the financial institution center via a line, and use the buyer's terminal to check the buyer's password, payment amount, etc. By inputting the transaction data, a confirmation number such as credit of the seller and the transaction data are transmitted to the computer of the financial institution center. The computer at the financial institution center checks the buyer's account balance and makes electronic payment by means of making a transfer to the seller's account if it is possible to make a transaction, and the seller receives a confirmation number such as a credit dedicated to the deposit on the deposit confirmation terminal. Confirm payment to the account by inserting the stored electronic transaction card.

[0006]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of the present invention.

Here, 10 is a computer of the financial institution center, 20 is a buyer's account database in the computer of the financial institution center, and the credit number, password, and balance of the buyer are registered in advance, 30 and 60.
Is a communication line, 40 is a terminal for buyer's deposit and withdrawal, a terminal or computer having a communication function and a function of reading an electronic transaction card, and 50 is a seller's account database in a computer of a financial institution center. The credit number is registered in advance so that payment is not allowed and payment cannot be made. 70 is a seller's payment confirmation terminal, a terminal or computer having a communication function and an electronic transaction card reading function. Refers to a portable storage medium such as a magnetic card or an IC card in which a credit number dedicated to deposit is stored.

An embodiment of the present invention will be described with reference to the processing flow of FIG.

In FIG. 2, first, the buyer presses the balance check button of the buyer's deposit / withdrawal terminal 40 connected to the computer 10 of the financial institution center via the line 30, so that the buyer enters the storage device built in the deposit / withdrawal terminal 40. The credit number of the buyer registered in advance is transmitted to the computer 10, and the balance of the user's account is confirmed on the display of the deposit / withdrawal terminal 40.

Next, the seller's electronic transaction card 80 in which the credit number dedicated to deposit is stored is inserted into the deposit / withdrawal terminal 40, and the credit number dedicated to deposit of the seller is read. Transaction data such as a buyer password, a purchased product name, and a payment amount is input from the deposit / withdrawal terminal 40. By pressing the transaction confirmation button of the deposit / withdrawal terminal 40, the credit number of the buyer and the transaction data and the credit number dedicated to the deposit of the seller, which are registered in advance in the storage device incorporated in the deposit / withdrawal terminal 40, are stored in the computer 10 of the financial institution center. Send to Next, the computer 10 of the financial institution center checks the buyer's account balance from the buyer's account database 20, and performs electronic payment by means of making a transfer to the seller's account database 50 if a transaction is possible. Next, the computer 10 of the financial institution center transmits a transaction completion message to the deposit / withdrawal terminal 40, and displays a transaction completion message on the display of the deposit / withdrawal terminal 40. After the transaction is completed, the electronic transaction card 80 is taken out from the deposit / withdrawal terminal 40.

Next, the seller sends a payment confirmation terminal 70, which is connected to the computer 10 of the financial institution center via the line 60,
The payment to the account is confirmed by inserting the electronic transaction card 80 in which the credit number dedicated to payment is stored.

[0013]

As described above, according to the present invention,
Electronic payment is not a method in which a buyer transmits a credit number to a seller, but a credit number dedicated to the seller's deposit is transmitted to the buyer. Therefore, there is no risk of the credit number being stolen for the buyer.

[0014] Collection of home visits (payment before delivery)
Electronic payment can also be used for payments to those who have difficulties verifying credit, and if any damage occurs, the amount of damage can be limited to the range of the amount paid.

[0015] In addition, since the cash settlement is performed in a very short time from the start of the transaction, there is an effect that the collection period is shortened for the seller, and the trouble and the danger of the collection are eliminated.

[Brief description of the drawings]

FIG. 1 is a block diagram of a trading system.

FIG. 2 is a flowchart of trading.

[Explanation of symbols]

10: Computer of financial institution center, 20: Account database of buyer, 30, 60: Communication line, 40: Acquisition terminal, 50: Account database of seller, 70: Payment confirmation terminal, 80: Card for electronic transaction.

Claims (1)

[Claims] 1. A computer at a financial institution center in which accounts of a seller and a buyer who conduct electronic transactions are registered, a deposit / withdrawal terminal or computer at the buyer side having a function of communicating with the computer, and a computer at the financial institution center In a system consisting of a payment confirmation terminal or a computer on the seller side that has the function of communicating with the customer, a confirmation number such as a credit for exclusive use of payment is input from the electronic transaction card of the seller and a payment amount on the side of the payment terminal of the buyer. A transaction confirmation method of an electronic transaction system in which transaction data such as a transaction data is input and transmitted to a computer of a financial institution center so that an instruction for electronic transaction can be given, and payment is confirmed by a payment confirmation terminal on the seller side.