JP2002042034A - Settlement determination apparatus and method, and settlement system using cash substitute - Google Patents

Abstract

(57) [Summary] (With correction) [Problem] To prevent with high precision fraudulent transactions settled with forged or stolen cash substitutes. A financial institution host (2) has an account file (10).
The mail address of the portable information terminal 9 applied from each card holder is stored in the storage section. When the financial institution host 2 receives the inquiry about the card payment from the member store terminal 6, the financial institution host 2 determines whether or not to approve it. The call is transmitted to the network 8. This increases security. In this case, when one transaction amount exceeds the set amount, or when the total amount so far exceeds the set amount, an e-mail is transmitted to reduce communication costs.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement judging apparatus, a settlement judging method and a settlement judging method for judging whether or not to approve a settlement using a cash substitute having an owner's confirmation, such as a credit card or a debit card. About the system.

[0002]

2. Description of the Related Art As a method of settling a sales transaction, there is a method of using a cash substitute, such as a credit card or a debit card, which requires confirmation of an owner. This method has been widely used because it has advantages such as high safety because a consumer does not need to carry cash.

[0003] As one example, a conventional payment system using a debit card will be described. This payment system instantly withdraws the price from the account held by the consumer at a financial institution such as a bank or post office when a consumer makes a purchase transaction at a store, and transfers the money to the store's account. This is a payment system that uses a cash card of an account held by a consumer as a debit card.

[0004] Specifically, a payment terminal having a debit card payment function is installed in a store, and this payment terminal is connected to a host computer of each financial institution via a computer network. The payment terminal is provided with a card reader for reading cash card information and a pin pad for inputting a personal identification number. Then, a sales transaction is performed with the consumer, and the information of the cash card owned by the consumer is read at the settlement terminal, and when the personal identification number is input by the consumer himself, the input information such as the transaction amount is input. The information is sent online to the host computer of the bank card issuing financial institution together with information on the transaction. In the host computer, identity verification is performed based on the information of the cash card and the password received from the settlement terminal, and when the identity verification is established, it is checked whether the cash card account has a balance corresponding to the transaction amount. If there is a balance corresponding to the transaction amount, the transaction amount is debited from the account and a response for approving the transaction is returned to the settlement terminal. As a result, the transaction slip is printed and issued from the settlement terminal, and the sales transaction is completed.

As described above, in the case of a settlement system using a debit card, the consumer himself / herself inputs the password of the cash card, thereby confirming whether or not the consumer is the card owner. . On the other hand, in the case of a payment system using a credit card, a consumer's own signature is requested on a transaction slip issued from a payment terminal,
The identity was verified by comparing the signature with the autographed signature of the cardholder written on the credit card.

[0006]

However, a debit card (cash card) or a credit card used as a cash substitute cannot be used for settlement unless the identity of the owner is confirmed, but due to the recent improvement in technology, Because cards can now be easily forged,
For example, in the case of a payment system using a debit card, if the personal identification number of the card holder can be obtained fraudulently, fraudulent use was possible by forging a cash card of the card holder. Further, in the case of a payment system using a credit card, if the cardholder's autograph signature can be imitated, fraudulent use is possible by forging the cardholder's credit card. In addition, a stolen card, not a forged card, could be similarly illegally used.

[0007] The present invention has been made in view of such circumstances, and an object of the present invention is to provide a settlement judging device and a settlement judging device capable of preventing illegal transactions settled with forged or stolen cash substitutes with high accuracy. It is an object of the present invention to provide a method and a settlement system using a cash substitute.

[0008]

The invention according to claim 1 of the present application is connected via a computer network to a settlement terminal that accepts settlement by a cash substitute that requires confirmation of the owner, and the cash substitute received by the settlement terminal. In a payment determination device that determines whether to approve payment by goods, and notifies the payment result to the payment terminal, a mail that sets and stores the mail address of the portable information terminal applied by each owner who owns the cash substitute Address storage means, mail address obtaining means for obtaining the mail address of the owner who owns the cash substitute from among the mail addresses stored by the mail address storage means, and cash substitute received at the settlement terminal. If you approve the payment, the amount of the transaction paid by the cash substitute accepted by the payment terminal will be the preset amount And amount comparison means for comparing or more than,
A mail for sending an e-mail relating to a transaction to be paid by the cash substitute received at the settlement terminal to the e-mail network at the e-mail address obtained by the e-mail address obtaining means, provided that the amount of the transaction exceeds the set amount by the amount comparing means. Transmission means.

The invention described in claim 2 of the present application is the above-described claim 1.
When the amount comparing means of the described invention approves the settlement with the cash substitute accepted at the settlement terminal, the transaction amount of this transaction is added to the total amount of the transactions previously paid with the cash substitute accepted at the settlement terminal. A means for comparing whether or not the amount exceeds a preset amount, and a mail sending unit, and a mail address acquiring unit, provided that the amount obtained by adding the current transaction amount to the total amount of the transaction by the amount comparison unit exceeds the set amount. Means for transmitting an e-mail relating to a transaction paid by the cash substitute received by the settlement terminal to the e-mail network with the e-mail address obtained in the above.

[0010] The invention described in claim 3 of the present application is the above-described claim 1.
In the invention described in the item 2 or 2, the portable information terminal has a two-way communication function, and when the settlement judging device sends an e-mail to the portable information terminal by the mail sending means, a transaction is made from the portable information terminal to which the e-mail is sent. This waits until the settlement terminal is notified of the approval of the settlement until there is a response to permit.

The invention described in claim 4 of the present application is the above-described claim 1.
In the invention described in the second aspect, the mail address storage means is a means capable of setting a plurality of mail addresses for one owner, and the mail sending means is a plurality of mail addresses of the owner obtained by the mail address obtaining means. When
This is a means for transmitting the same e-mail at each mail address.

[0012] The invention according to claim 5 of the present application is connected via a computer network to a settlement terminal that accepts settlement by a cash substitute that requires confirmation of the owner, and approves settlement by the cash substitute accepted by the settlement terminal. Judge,
A settlement judging method of a settlement judging device for notifying the settlement terminal of the judgment result, wherein a mail address of a portable information terminal applied for by each owner who owns a cash substitute is stored in advance and accepted by the settlement terminal. If you approve the settlement with the cash substitute, the amount of the transaction paid with the cash substitute exceeds the preset amount, or the current transaction amount is added to the total amount of the transactions paid in the past with the cash substitute. Is compared with the amount set in advance, and if it exceeds the set amount, the e-mail address of the owner who owns the cash substitute is obtained, and the e-mail address is accepted by the payment terminal to the e-mail network. The electronic mail related to the transaction paid by the cash substitute is sent.

The invention described in claim 6 of the present application is the above-described claim 5.
In the settlement determination method described above, when the portable information terminal has a two-way communication function, an e-mail relating to the transaction is sent to the e-mail network with the e-mail address of the owner who owns the cash substitute received at the settlement terminal. Thereafter, the system waits for a response to permit the transaction from the portable information terminal to which the e-mail is sent, and then notifies the settlement terminal of the approval of the settlement.

[0014] The invention according to claim 7 of the present application is a settlement terminal that accepts settlement by cash substitute requiring confirmation of the owner,
A payment determination device that determines whether to approve the payment by the cash substitute received at the payment terminal, and notifies the payment result of the determination to the payment terminal, and a portable information terminal carried by each owner who owns the cash substitute. A payment system comprising a payment terminal connected to a payment determination device via a computer network, and a payment determination device connected to the mobile information terminal via an e-mail network.
When the payment by the cash substitute is accepted, the settlement judging device is inquired via a computer network as to whether or not the payment by the cash substitute is possible, and the transaction is established when a response approving the settlement is obtained. Further, the settlement judging device has mail address storage means for setting and storing the mail address of the portable information terminal applied for by each owner who owns the cash substitute, and in response to an inquiry from the settlement terminal, the cash substitute. It is determined whether or not to approve the settlement with the goods, and if it is approved, the amount of the transaction paid with the cash substitute exceeds the preset amount or the accumulated amount of the transactions previously paid with the cash substitute If the sum of the transaction amount exceeds the preset amount, and exceeds the set amount, the e-mail of the owner who owns the cash substitute from among the e-mail addresses stored in the e-mail address storage means. Acquisition of the address and the transaction with the cash address received at the payment terminal to the e-mail network with the e-mail address To send the e-mail. Further, the portable information terminal displays information of the e-mail when it receives an e-mail addressed to itself transmitted from the settlement judging device via the e-mail network.

The invention described in claim 8 of the present application is the above-described claim 7.
In the settlement system described above, the portable information terminal has a two-way communication function, and when a predetermined operation for instructing transaction permission is performed after displaying the information of the e-mail addressed to the portable information terminal, the settlement determination is made via the e-mail network. A response to permit the transaction is transmitted to the device, and the settlement determination device waits for the response after transmitting the e-mail to the portable information terminal, and when there is a response permitting the transaction from the information portable terminal to which the e-mail is transmitted. The payment terminal is notified of the approval of the payment.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings. Note that this embodiment is a case where the present invention is applied to a settlement system using a debit card as a cash substitute requiring confirmation of the owner.

FIG. 1 is an overall configuration diagram of a settlement system using a debit card. In the figure, a member store center 1 shows a computer system of each member store capable of performing settlement with a debit card. The financial institution host 2 indicates a host computer system of each card issuing financial institution that issues a cash card 3 usable as a debit card. The member store center 1 of each member store and the financial institution host 2 of each financial institution are communicably connected to each other by a computer network 4 dedicated to the financial system.

The member store center 1 has a LAN (Local Area)
A plurality of member store terminals 6 are connected via a network 5. The member store terminal 6 is a payment terminal that accepts payment by a debit card, and includes an input mechanism (keyboard, scanner, etc.) for inputting information related to a transaction to be settled with the debit card, and a cash card 3 used as a debit card. A card reader for reading card data, a printer for printing and issuing transaction slips, and the like are provided. Further, a pin pad 7 for a consumer who pays the transaction price with the cash card 3 to input a personal identification number is connected, and is placed at a sales floor of a member store.

The financial institution host 2 functions as a payment determination device that determines whether to approve the payment by the debit card accepted by the member store terminal 6 and notifies the member store terminal 6 of the determination result. In addition, mobile phone networks, PHS (Personal H
and a function of sending an e-mail to a portable information terminal 9 having a two-way communication function such as a mobile phone or a PHS via a wireless telephone network (e-mail network) 8 capable of e-mail communication such as an andy Phone System network. Have. And
When the settlement by the debit card accepted by the member store terminal 6 is approved, the information (transaction amount, membership amount) related to the transaction paid by the cash card 3 is transmitted to the portable information terminal 9 carried by the owner of the cash card 3 on a daily basis. It sends out an e-mail recording the store name, financial institution name, account number, telephone contact information, etc.).

In this case, instead of sending out e-mails for all transactions, the card holder can select whether or not to send out e-mails. Also,
Even when sending an e-mail, instead of sending an e-mail every time, an operation is performed when one transaction amount exceeds a preset amount, and an operation is performed when the total transaction amount exceeds a preset amount. Operation and can be selected. Of course, it is also possible to select an operation of sending an e-mail every time. In addition, two or more e-mail destinations can be specified. When an e-mail is transmitted, the system waits for a response to permit the transaction from a specific mail transmission destination portable information terminal, and notifies the member store terminal 6 of the approval of the settlement.

That is, the financial institution host 2 provides, for each owner of the cash card 3 having an account at its own financial institution,
As shown in FIG. 2, the account number and balance of the account held by the cardholder, transmission condition data for specifying the transmission condition of the e-mail, the outgoing transaction amount and the total transaction amount used in the determination of the outgoing condition, , The number of destination addresses, which is the number of mobile information terminals to which emails are sent, the email addresses of the mobile information terminals to which the email is sent, and the email address of the specific email destination mobile information terminal waiting for a transaction permission response. It has an account file 10 that stores each data of a certain address of a response destination.

Here, the transmission condition data is "0" for data designating that transmission of e-mail is unnecessary, and "1" for data designating transmission for each transaction.
When the transaction amount of one transaction exceeds the outgoing transaction amount in the same record, specify "2" as the data to be transmitted, and when the sum of the transaction amount of this transaction to the total transaction amount in the same record exceeds the predetermined amount The data designating transmission is "3".

The total transaction amount is the total amount of transactions for which settlement by the debit card was established in the past, and is cleared to “0” every time a predetermined period of one week or one month elapses. Has become. The period for clearing may be specified by the owner of the cash card 3 or may be fixed uniformly.

Incidentally, each financial institution determines whether or not it is necessary to send an e-mail to the owner of the cash card 3 having an account. OK), transmission conditions, and permission / reply destination addresses are checked, and the account file 10 is created in advance based on the check results.

FIG. 3 is a front view of a portable information terminal 9 having a two-way communication function. The portable information terminal 9 is used for inputting a telephone number and the like, and a display section 91 capable of displaying a text of an electronic mail. A keyboard 92 and a transmitting / receiving antenna 93 are provided. In addition, as the portable information terminal 9, an existing terminal such as a mobile phone, a PHS phone, and a small personal computer can be used.

In the settlement system having such a structure, a sales transaction is carried out between the member store and the consumer, the information of the cash card owned by the consumer is read at the member store terminal 6 and the consumer himself / herself is read from the pin pad 7. When the personal identification number is input, the input information is transmitted to the member store center 1 as debit card settlement information together with information relating to the transaction such as the transaction amount, and the cash card 3 is issued via the computer network 4. The information is transmitted to the financial institution host 2 online.

Thus, the financial institution host 2 executes the processing shown in the flowchart of FIG. That is, when it is confirmed that the data received via the computer network 4 is the debit card payment information from the member store terminal 6 in ST (step) 1, the account file 10 is searched in ST2 and the payment by this debit card is performed. The record in which the account number of the used cash card 3 is set is read. Then, in ST3, it is determined whether or not to approve the payment by the debit card. Specifically, identity verification is performed based on the information of the cash card 3 and the password, and when the identity verification is established, it is checked whether the account of the cash card 3 has a balance corresponding to the transaction amount. If so, approve the settlement. On the other hand, if the identity is not confirmed or the balance is insufficient, the settlement is not approved. If the settlement is not approved, the process goes to ST4 where the member store terminal 6 of the inquiry source is accepted.
Is notified via the computer network 4 of a transaction refusal response.

On the other hand, when the settlement is approved, the transmission condition data in the record read from the account file 10 is checked at ST5. Here, when the transmission condition data is “0”, the transmission of the e-mail is unnecessary, so that ST
Proceed to 13 and deduct the transaction amount from the account of the cash card 3. In step ST14, a transaction permission response is notified to the inquiring member store terminal 6 via the computer network 4. Further, if the balance in the record read from the account file 10 is updated to the amount obtained by subtracting the current transaction amount in ST15, and the total transaction amount in the record is updated to the amount obtained by adding the current transaction amount, This processing ends.

If the transmission condition data is "1" in ST5, an e-mail is transmitted for each transaction, so that ST9 is executed.
To the transaction amount, franchise name, financial institution name, account number,
Edit e-mails containing telephone contact information. Also,
In ST10, the mail address in the record read from the account file 10 is obtained. Then, in ST11, an e-mail is transmitted to the wireless telephone network 8 using the mail address. In this case, if a plurality of e-mail addresses are set, the same e-mail is transmitted at each e-mail address.

Then, as ST12, the account file 10
It waits for the permission response to be returned from the portable information terminal 9 at the mail address identified by the permission response destination address in the record read out from the record. When the permission response is received via the wireless telephone network 8, the process proceeds to ST13, and thereafter, the process proceeds to S13.
The respective processes from T13 to ST15 are executed, and this process ends.

If the transmission condition data is "2" in ST5, an electronic mail is transmitted when one transaction amount is equal to or greater than the transmission transaction amount, so that the current transaction amount is read from the account file 10 in ST6. Compare for outgoing transaction amount in record. If the transaction amount does not exceed the outgoing transaction amount, the process proceeds to ST13, and the process proceeds to ST13.
After that, the processing from ST15 to ST15 is executed, and this processing ends. On the other hand, if the transaction amount exceeds the outgoing transaction amount, the process proceeds to ST9, and the processes in ST9 to ST15 are executed thereafter, and this process ends.

If the transmission condition data is "3" in ST5, if the sum A of the past transaction total amount plus the current transaction amount exceeds a predetermined amount B, an e-mail is transmitted. The current transaction amount is added to the transaction total amount in the record read from the account file 10 to determine the total amount A. Then, as ST8, the total amount A
Is greater than or equal to a predetermined amount B. When the total amount A does not exceed the set amount B, ST1
Then, the process proceeds to ST3, and the processes in ST13 to ST15 are executed, and the process is terminated. On the other hand, when the total amount A exceeds the set amount B, the process proceeds to ST9, and thereafter, the process proceeds to ST9.
The processing from 9 to ST15 is executed, and this processing ends.

Here, the financial institution host 2 constitutes a mail address storage means by using the account file 10, and FIG.
The processing of the middle ST10 constitutes the mail address obtaining means, the processing of ST6 in the figure constitutes the amount comparing means of the invention of claim 1, and the processing of ST7 and ST8 in the figure shows the processing of the invention of claim 2. A money comparing means is constituted, and a mail sending means is constituted by each processing of ST3, 5, 9, 11 in FIG.

Now, at the member store, the transaction condition data is "1", that is, every time the debit card is settled, the transaction is made with the cash card 3 which the card holder desires to acquire the transaction information by e-mail. Has been paid. Then, the debit card settlement information is transmitted from the affiliated store terminal 6 of the affiliated store to the financial institution host 2 via the LAN 5, the affiliated store center 1 and the computer network 4, and the inquiry about the settlement by the debit card is performed. As a result, in the financial institution host 2, personal identification is performed using the personal identification number. When the identity of the card holder is recognized, the account balance is checked. When it is confirmed that there is a balance equivalent to the transaction price, the settlement is performed. It is approved. Then, the display unit 91 of the portable information terminal 9 carried by the owner of the cash card 3 displays FIG.
As shown in (1), an e-mail is displayed in which the transaction amount, the member store name, the name of the financial institution, the account number, the telephone contact information of the card suspension, the telephone contact information to the member store, and the like are displayed.

Therefore, when the consumer who has made a purchase transaction at the member store is the owner of the cash card 3, the e-mail is displayed on the portable information terminal 9 carried by the consumer. . Then, the card holder confirms the e-mail and finds that the keyboard 9 of the portable information terminal 9
2 to send a response mail to the financial institution host 2 permitting the transaction. For example, the program of the portable information terminal 9 may be designed so that a response mail is transmitted by a simple key operation such as “# 99”. As a result, the financial institution host 2 notifies the member store terminal 6 of the approval of the settlement, and the settlement transaction by the debit card is completed.

However, if the consumer who did the sales transaction at the member store was not the owner of the cash card 3, the e-mail was sent even if the consumer carried the portable information terminal 9. Is not displayed, and the e-mail is displayed on the portable information terminal 9 carried by the card owner. Therefore, the card owner himself / herself can know that the settlement is going to be performed using the cash card 3 that he / she should have possessed where he is not concerned. Therefore, appropriate measures such as requesting suspension of use of the cash card 3 by contacting the financial institution recorded in the e-mail and requesting the member store to report fraud are promptly taken. be able to. Needless to say, in this case, the card holder does not perform an operation for permitting a transaction on the portable information terminal 9.
Payment transactions with fraudulent debit cards at franchisees will not be completed. As a result, it is possible to prevent improper transactions with a forged card or a stolen card beforehand, and to enhance security.

By the way, the communication cost of the electronic mail is considered to be a burden on the card owner in operation. For this reason,
Sending an e-mail every time for all debit card payments is not preferable because the burden on the card owner increases.

Therefore, in this embodiment, the transaction amount of the settlement by the debit card exceeds the preset amount (transmission condition data = 2), or the total amount of the transaction in which the settlement by the debit card has been established is The transaction amount is compared with a preset amount (transmission condition data = 3), and when the amount exceeds the preset amount, an e-mail is transmitted.

Therefore, if a forged cash card 3 or a stolen cash card 3 is used to settle illegally high-value transactions, or even if a low-value transaction is used, many illegal transactions are settled in a short period of time. If you do
Before the transaction is completed, an e-mail is displayed on the portable information terminal 9 of the owner of the cash card 3 itself, so that this kind of illegal transaction can be prevented.
Security can be increased. In this case, the frequency of sending the e-mail is greatly reduced as compared with the case where the e-mail is sent for each transaction, so that communication costs can be saved.

In the present embodiment, a plurality of e-mail addresses of the portable information terminals 9 can be set for one owner of the cash card 3. And
When the debit card settlement is performed by the cash card 3, the same electronic mail is transmitted to the wireless telephone network 8 at each mail address.

Therefore, for example, when the cardholder is a minor, the mail address carried by the cardholder's parental authority is entered along with the mail address of the portable information terminal 9 carried by the cardholder. It can be set as the e-mail destination address. This allows the parent to control the purchase and sale of a minor cardholder. In this case, by setting the e-mail address of the parent or guardian to the permission / response destination address, it is possible to control, for example, a minor's sales transaction by the parent or guardian's judgment.

The present invention is not limited to the above embodiment. For example, in the above-described embodiment, the present invention is applied to a payment system using a debit card. However, the present invention is similarly applied to a payment system using another cash substitute such as a credit card that requires owner confirmation. Applicable.

In the above-described embodiment, the financial institution host 2 functioning as a payment judging device sends an electronic mail relating to the transaction of the debit card payment to the portable information terminal 9.
To the mobile information terminal 9 to which the e-mail is sent.
Waits to receive a response to permit the transaction from the payment terminal 6 and notifies the payment terminal 6 of the approval of the payment. However, regardless of the response, it is necessary to wait for the card holder to notify the transaction stop request. Even if the settlement approval is notified after waiting for a certain period of time, the effect of the present invention that illegal transactions settled with forged or stolen cash substitutes can be prevented with high accuracy can be achieved. In this case, a pager (registered trademark) having no two-way communication function can be used as the portable information terminal.

In the above embodiment, the outgoing transaction amount to be compared with one transaction amount can be set for each cardholder. However, a fixed amount common to each cardholder may be set. . Similarly, the amount to be compared with the total transaction amount is a fixed amount common to each cardholder, but a desired amount may be set for each cardholder. In addition, it goes without saying that various modifications can be made without departing from the spirit of the present invention.

[0045]

As described above in detail, according to the first to fourth aspects of the present invention, unauthorized transactions settled with forged or stolen cash substitutes are prevented with high accuracy while suppressing communication costs. It is possible to provide a settlement determination device that can perform the settlement. Further, according to the invention as set forth in claims 5 and 6 of the present application, it is possible to provide a settlement determination method capable of highly accurately preventing illegal transactions settled with a forged or stolen cash substitute while suppressing communication costs. Further, according to the invention as set forth in claims 7 and 8 of the present application, there is provided a settlement system using a cash substitute which can prevent illegal transactions settled with a forged or stolen cash substitute with high accuracy while suppressing communication costs. Can be provided.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram of a payment system using a debit card according to an embodiment of the present invention.

FIG. 2 is a diagram showing a record format of an account file held by a financial institution host in the embodiment.

FIG. 3 is an exemplary front view of the portable information terminal according to the embodiment;

FIG. 4 is a flowchart showing a main part of a process executed by the financial institution host in the embodiment.

FIG. 5 is an exemplary view showing an example of an e-mail displayed on the portable information terminal in the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Merchant center 2 ... Financial institution host (payment determination device) 3 ... Cash card (cash substitute) 4 ... Computer network 5 ... LAN 6 ... Merchant terminal (payment terminal) 7 ... Pin pad 8 ... Wireless telephone network (electronics) Email network) 9… Personal digital assistant 10… Account file

Claims (8)

[Claims] 1. A settlement terminal connected via a computer network for accepting payment by a cash substitute requiring confirmation of an owner, and determining whether or not to approve payment by the cash substitute received by the payment terminal. A settlement address determining means for notifying the settlement terminal of the cash substitute, an e-mail address storage means for setting and storing an e-mail address of the mobile information terminal applied for by each owner who owns the cash substitute, and the e-mail address storage means E-mail address obtaining means for obtaining an e-mail address of the owner who owns the cash substitute from among the e-mail addresses that the user has received, and when the payment by the cash substitute received at the payment terminal is approved, the payment is accepted at the payment terminal. An amount comparing means for comparing whether the amount of the transaction paid by the cash substitute exceeds a preset amount or On condition that the transaction amount exceeds the set amount by the amount comparing means, an e-mail concerning the transaction paid by the cash substitute received at the settlement terminal is sent to the e-mail network at the e-mail address obtained by the e-mail address obtaining means. A settlement judging device comprising: a mail sending means for sending. 2. A settlement terminal which is connected via a computer network to a settlement terminal for accepting settlement by cash substitute requiring confirmation of the owner and judges whether or not to approve settlement by the cash substitute accepted by said settlement terminal. A settlement address determining means for notifying the settlement terminal of the cash substitute, an e-mail address storage means for setting and storing an e-mail address of the mobile information terminal applied for by each owner who owns the cash substitute, and the e-mail address storage means E-mail address obtaining means for obtaining an e-mail address of the owner who owns the cash substitute from among the e-mail addresses that the user has received, and when the payment by the cash substitute received at the payment terminal is approved, the payment is accepted at the payment terminal. The sum of the total amount of transactions paid in the past with cash substitutes and the current transaction amount is set in advance. Amount comparing means for comparing whether or not the amount exceeds the set amount, and an e-mail address acquired by the e-mail address acquiring means on condition that an amount obtained by adding the current transaction amount to the transaction total amount by the amount comparing means exceeds a set amount. And e-mail sending means for sending an e-mail relating to a transaction paid by the cash substitute received by the settlement terminal to the e-mail network. 3. The portable information terminal has a two-way communication function, and the settlement judging device sends an e-mail by the e-mail sending means and sends a response for permitting a transaction from the e-mail destination portable information terminal. 3. The settlement judging device according to claim 1, wherein the settlement terminal waits until the settlement terminal is notified of the approval of the settlement. 4. The mail address storage means allows a plurality of mail addresses to be set for one owner, and the mail sending means, when the plurality of mail addresses of the owner obtained by the mail address obtaining means is plural, each mail address can be set. 3. The settlement judging device according to claim 1, wherein the same e-mail is transmitted by a mail address. 5. A settlement terminal, which is connected via a computer network to a settlement terminal for accepting settlement by a cash substitute requiring confirmation of an owner, judges whether or not to approve settlement by the cash substitute accepted by the settlement terminal, and the judgment result The settlement judging method of the settlement judging device for notifying the settlement terminal in advance, the mail address of the portable information terminal applied for by each owner who owns the cash substitute is stored in advance, and the cash substitute accepted by the settlement terminal is stored. If you approve the settlement with the goods, the amount of the transaction paid with the cash substitute exceeds the preset amount, or the current transaction amount is added to the cumulative amount of the transactions paid in the past with the cash substitute Compare or exceed the amount set in advance, if the amount exceeds the set amount, obtain the email address of the owner who owns the cash substitute, Settlement judgment method characterized by at the email address so as to send an e-mail about the transaction to be paid in cash substitute accepted by e-mail network to the payment terminal. 6. A computer which is connected via a computer network to a payment terminal for accepting payment by a cash substitute requiring confirmation of an owner, and determines whether or not to approve payment by the cash substitute received by the payment terminal. The payment determination method of the payment determination device that notifies the payment terminal of the payment information, wherein the mail address of the portable information terminal having a two-way communication function individually applied by each owner who owns the cash substitute is stored in advance, and the payment is performed. If you approve the payment with the cash substitute received by the terminal, the amount of the transaction paid with the cash substitute exceeds the preset amount, or the current amount of the transaction paid in the past with the cash substitute If the sum of the transaction amount exceeds the preset amount, and exceeds the set amount, the owner's owner of the cash substitute When a response is received from the portable information terminal to which the e-mail is sent, a response to the transaction is received from the portable information terminal to which the e-mail is sent to the e-mail network at the settlement terminal. A settlement determination method, wherein the settlement terminal is notified of approval of settlement. 7. A payment terminal that accepts payment by a cash substitute requiring confirmation of an owner, and determines whether to approve payment by the cash substitute received by the payment terminal, and notifies the payment terminal of the determination result. The payment determination device, comprising a personal digital assistant carried by each owner who owns the cash substitute, connecting the payment terminal and the payment determination device via a computer network, the payment determination device and the A payment system connected to a portable information terminal by an e-mail network, wherein the payment terminal accepts the payment by the cash substitute and determines whether the payment by the cash substitute is possible via the computer network. Inquiry to the settlement judging device, a transaction is established when a response approving the settlement is obtained, the settlement judging device owns the cash substitute Has a mail address storage means for setting and storing the mail address of the portable information terminal applied for by each owner, and determines whether or not to approve the settlement with the cash substitute in response to an inquiry from the settlement terminal. Then, the amount of the transaction paid with the cash substitute exceeds the preset amount, or the amount obtained by adding the current transaction amount to the total amount of the transactions previously paid with the cash substitute is set in advance. If the amount exceeds the set amount, when the amount exceeds the set amount, the mail address of the owner who owns the cash substitute is obtained from the mail addresses stored by the mail address storage means, and the mail address is used to obtain the mail address. Send an e-mail to the e-mail network regarding the transaction paid by the cash substitute received at the payment terminal, Portable information terminal, the settlement system using the cash surrogates and displaying the settlement determination device from the receiving e-mail addressed to itself originating through the electronic mail network information of the electronic mail. 8. The portable information terminal has a two-way communication function, and when a predetermined operation for instructing a transaction is performed after displaying information of an e-mail addressed to the portable information terminal, settlement via the e-mail network. The settlement judging device sends an e-mail to the portable information terminal, waits for a response, and receives a response from the e-mail destination information portable terminal to authorize the transaction. 8. A settlement system using a cash substitute according to claim 7, wherein the settlement terminal is notified of the settlement approval.