JP2002366860A - Electronic application payment system - Google Patents

Abstract

(57) [Summary] [Problem] To provide a payment system for electronic applications that can pay in advance the fee for electronic applications, prevent misuse and unauthorized use by third parties, and enable secure electronic applications. SOLUTION: A center station 1 registers a first hash value calculated by an applicant terminal 4 from application content explicit data in a database, and transmits an MPN number based on a fee to the applicant terminal 4. Then, the application receiving station 2 receives the second application calculated from the application content explicit data received from the applicant terminal 4.
The center station 1 is queried for the hash value of. Then, the center station determines whether the first hash value matches the second hash value, and transmits the determination result to the application receiving station 2. Next, the application form receiving station 2 receives the application when the judgment result is a match, and returns the application to the applicant terminal 1 when the judgment result is not a match.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic application settlement system for an applicant to make an electronic application or an electronic declaration to each government agency or local government.

[0002]

2. Description of the Related Art At present, as part of the realization of e-government, it is known that the Ministry of Finance realizes payment of fees for application procedures to each ministry and agency using a multi-payment network (hereinafter referred to as MPN). . The MPN is a payment infrastructure that securely connects fees and taxes essential for electronic applications and electronic filings by connecting financial institutions and administrative organizations via a dedicated network. In the settlement method using the MPN (hereinafter, referred to as MPN method), a unique number (M) is used for each application in order to distinguish each application.
PN number), and it is possible to manage the presence or absence of payment based on the number.

In the MPN system, only a postpaid scheme is supported in order to ensure security. In the case of the postpayment scheme, payment is made for the bill corresponding to the MPN number, so the only information flowing through the open network (Internet) is the billing information (debt information) and the paid information (valuable information) is on the closed network It is safe because it is handled only by.

[0004]

On the other hand, in the current public procedure, there are many applications that presuppose a prepaid (prepaid) type using a stamp as a method of paying an application fee. For this reason, if there is a need to realize a payment equivalent to prepayment using a stamp using MPN,
There is a need to establish means that allow for safe prepayment.

As a prepayment method using the MPN, a method is conceivable in which payment is first made by the MPN method and an MPN number corresponding to a stamp is used. That is, the applicant transmits the MPN number to the application destination together with the application form. However, in the above-mentioned prepaid method, since the MPN number is transmitted / received via the open network, an improper use of the MPN number or theft or falsification by a third party occurs, which causes a problem in security.

[0006] The present invention has been made in view of the above circumstances, and its object is to allow applicants to pay in advance fees and taxes when making electronic applications and electronic filings, and to allow third parties to pay in advance. It is an object of the present invention to provide an electronic application settlement system that can prevent misuse and unauthorized use of an electronic application and can safely make an electronic application.

[0007]

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and an invention according to claim 1 is an applicant terminal in an electronic application settlement system, which is an electronic application. Calculating means for calculating a first hash value by performing an operation based on the application content explicit data input by the applicant, and transmitting the first hash value to a center station; Prepayment means for receiving data including the application identification number associated with the hash value, and performing a process of prepaid the fee for the electronic application by transmitting the application identification number, the received application identification number and the application content An electronic application means for performing electronic application by transmitting explicit data to an application receiving station.

According to a second aspect of the present invention, there is provided a center station in an electronic application settlement system, which receives a first hash value calculated based on application content explicit data from an applicant terminal, and Assigning an identification number, associating the first hash value with the application identification number, registering the associated first hash value and application identification number in a database, and setting the application identification number to the applicant Hash value registration means to be transmitted to the terminal, paid information registration means for receiving the application identification number and paid information, and registering the received paid information on the database in association with the application identification number. Receiving a second hash value and the application identification number from an application receiving station, and receiving the second hash value and the data for the application identification number. It is determined whether the first hash value registered on the database is the same as the first hash value, and whether the paid information is registered on the database. The center station comprises application content determination means for transmitting to the center station.

According to a third aspect of the present invention, there is provided an application receiving station in an electronic application settlement system, wherein the application details receiving data and the application identification number are received from an applicant terminal, and the received application contents are received. Calculating means for calculating a second hash value based on the explicit data, transmitting the calculated second hash value and the application identification number to a center station for inquiring, and a result of the inquiry from the center station And an application receiving means for determining whether to receive or return the electronic application based on the result of the inquiry.

[0010] According to a fourth aspect of the present invention, a computer of an applicant terminal in an electronic application settlement system includes:
A process of calculating a first hash value based on the application content explicit data input by the applicant making the electronic application, transmitting the first hash value to the center station, and converting the first hash value from the center station to the first hash value. A process of receiving data including the associated application identification number and transmitting the application identification number to advance payment of the electronic application fee, and receiving the received application identification number and the application content explicit data with the application form This is a program for executing processing for electronic application by transmitting to a station.

[0011] The invention according to claim 5 provides a computer of a center station in a settlement system for electronic application,
A process of receiving a first hash value calculated based on application content explicit data from an applicant terminal and assigning an application identification number, associating the first hash value with the application identification number, A process of registering a first hash value and an application identification number in the database, a process of transmitting the application identification number to the applicant terminal, and receiving the application identification number and paid information, A process of registering the paid information in the database in association with the application identification number, receiving a second hash value and the application identification number from the application receiving station, and receiving the application identification number, 2 and whether or not the first hash value registered on the database matches, and the paid information on the database is registered. A process of determining whether or not,
And transmitting the determination result to the applicant terminal.

[0012] According to a sixth aspect of the present invention, there is provided an electronic application settlement system, wherein the computer of an application receiving station receives application form content explicit data and an application identification number from an applicant terminal and receives the received application. Processing for calculating a second hash value based on the document content explicit data;
Transmitting the hash value and the application identification number to the center station for inquiring, and receiving the result of the inquiry from the center station, and receiving or returning the electronic application based on the result of the inquiry. Is a program for executing the process of determining

[0013] According to a seventh aspect of the present invention, in the database, the first hash value calculated based on the application content explicit data and the application identification number assigned to the application are associated with each other and stored in the database. Registering, when the payment for this application is made, the paid information is registered on the database in association with the application identification number, and a second hash value and the application identification number are received; Determining whether the received second hash value matches the first hash value registered on the database, and determining whether the paid information is registered on the database. This is a payment system for electronic applications.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An electronic application settlement system according to an embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the settlement system of the embodiment. In FIG. 1, reference numeral 1 denotes a center station inside the Ministry of Finance. Reference numeral 2 denotes an application receiving bureau set up in each ministry or agency to receive an application electronically applied by the applicant. Reference numeral 3 denotes a financial institution bureau which is provided in a financial institution such as a bank or a post office and which performs processing such as payment of a fee required for application and online banking. The center station 1, the application receiving station 2, and the financial institution station 3 are mutually connected via a closed network, that is, a dedicated line network 100.

Reference numeral 4 denotes an applicant terminal for electronic application or electronic declaration to each ministry or local government. The applicant terminal 4 is connected to an open network, ie, the Internet 200, and is mutually connected to the center station 1, the application receiving station 2, and the financial institution station 3 via the Internet 200. Here, the station is a computer system including a CPU (Central Processing Unit), a storage device, and the like.

Next, the processing procedure of the embodiment will be described with reference to FIGS. FIG. 2 is a flowchart showing the operation of the settlement system of the embodiment. FIG. 2 (1) shows a flow of a prepayment of a fee required when applying, and FIG. The flow of the application procedure after payment is shown. FIG. 3 is a diagram showing an example of a database provided in the center station 1, and FIG.
And (2) show data examples at different times in the database.

First, with reference to FIG. 2A, the applicant who makes an electronic application pays a fee or a tax to be applied before the application, that is, a prepayment process will be described. In step S1, the applicant terminal 4 inputs an application content specification document (application content specification data), which is a document that can specify the applicant and the application content for electronic application using the MPN. Next, the applicant terminal 4 calculates the first hash value based on the application content specifying document by executing a predetermined function for calculating the hash value by the central processing unit of the computer provided therein. I do. And
The calculated value is transmitted to the center station 1 via the Internet 200 as a first hash value (step S
2).

Next, the center station 1 having received the first hash value assigns a unique number to each application, that is, the MPN.
Number (application identification number), the MPN number and the first
Is registered in an internally provided database in association with the hash value. For example, in (1) of FIG. 3, the center station 1 that has received the first hash value “4B5F”
Assigns the MPN number “0000001234”. Then, the center station 1 receives the MPN number “0000123”
4 ”and the first hash value“ 4B5F ”are registered in the database.
The amount “150” based on the application content and the paid information “unpaid” are registered in association with the number “000001234”. Next, the center station 1 determines the MPN number associated with the first hash value, for example, “0000”.
1234 "is transmitted to the applicant terminal 4 via the Internet 200 (step S3).

Next, the applicant terminal 1 that has received the data including the MPN number associated with the first hash value from the center station 1 gives the applicant a fee based on the MPN number, for example, “150”. Is displayed. Then, the applicant uses the applicant terminal 4 to transfer the fee “150” and to transfer to the Internet 20 by online banking or the like.
By paying to the financial institution station 3 through 0, a process of prepaying the fee for the telegraphic application is performed. Then, at the time of processing this payment, the MPN number is transmitted from the applicant terminal 4 to the financial institution station 3 via the Internet 200. (Step S4).

Next, the financial institution station 3 that has received the MPN number from the applicant terminal 4 confirms the payment of the commission based on the MPN number. When the payment of the fee is confirmed, the financial institution bureau 3 generates paid information. Then, the financial institution station 3 transmits the paid information and the MPN number to the center station 1 via the private line network 100 (step S).
5)

Next, the center station 1 that has received the MPN number and the paid information from the financial institution station 3 ends the registration of the paid information in the database in association with the MPN number. (Step S6). For example, in (2) of FIG. 3, the financial institution bureau 3 sends the MPN number “0000001234”
The center station 1 that has received the paid information and the
The paid information “completed” is registered in association with the number “000001234”. In this way, the applicant pays the fees and taxes required for the application procedure to the Ministry of Finance, which manages the application procedure fee, before applying, that is, makes an advance payment.

Next, referring to FIG. 2 (2), after the applicant for electronic application has paid in advance the fee to be applied,
Explain how each ministry, local government, etc., receives applications submitted by applicants. First, the applicant inputs the application form, the application content specifying document, and the MPN number received from the center station 1 at the time of advance payment to the applicant terminal 4. And
The applicant terminal 1 displays the application content specifying document and the M
The PN number is transmitted to the application receiving station 2 via the Internet 200 (step S7).

Next, the application receiving station 2 which has received the application, the application specifying document, and the MPN number from the applicant terminal 4,
A second hash value is calculated based on the application content specification document.
(Step S8). That is, the central processing unit of the computer provided in the application receiving station 4 executes the same function as that used by the applicant terminal 4 to calculate the first hash value, and executes the second hash value. Is calculated. next,
The application receiving station 2 receives the calculated second hash value and MP
The information is transmitted to the center station 1 via the leased line network 100 to inquire about the N number (step S9).

Next, the center station 1 having received the second hash value and the MPN number stores the first hash value and the paid information registered in the database in association with the received MPN number in the database. Read from Then, the center station 1 determines whether or not the first hash value matches the second hash value, and whether or not the paid information is registered.

Here, the above-mentioned determination method will be described in detail with reference to FIG. In (2) of FIG. 3, when the MPN number received from the application receiving station 2 is “000001234” and the second hash value is “4B5F”, the center station 1 stores “00001234” in the database. The first hash value “4B5F” corresponding to “” and the paid information “completed” are read. Then, the center station 1 obtains the first hash value “4”
B5F "matches the second hash value" 4B5F "
It determines that the paid information is “completed”, and transmits matching information to the application receiving station 2 as the determination information.

Also, in (2) of FIG. 3, if the MPN number received from the application receiving station 2 is “00000123” and the second hash value is “ABCD”, the center station 1 "000012" on the database
The first hash value “5A6C” corresponding to “35” and the paid information “done” are read out, and the center station 1 stores the first hash value “5A6C” and the second hash value “ABCD”. It is determined that there is a mismatch, and the mismatch information is transmitted to the application receiving station 2 as the determination information.

In (2) of FIG. 3, if the MPN number received from the application receiving station 2 is “000001236” and the second hash value is “8C7A”, the center station 1 "000012" on the database
The first hash value “8C6A” corresponding to “36” and the paid information “unpaid” are read out.The center station 1 determines that the paid information is “unpaid” and uses the unpaid information as the determination information. The request is transmitted to the application receiving station 2. That is, the center station 1 transmits the determination information based on the determination result to the application receiving station 2 via the dedicated network 100 (step 10).

Next, the result of the inquiry at the center station 1, that is, the application receiving station 2, which has received the determination information from the center station 1, determines whether to accept or return the electronic application based on the determination information. (Step 11). Specifically, when the judgment information is the matching information, the application receiving station 2 receives and examines the received application. On the other hand, if the determined information is either the inconsistent information or the unpaid information, the application receiving station 2 sends the application,
It sends the PN number to the applicant terminal 4 and notifies the applicant terminal 4 of the return of the application. As described above, according to the present embodiment, by using a hash value in addition to the MPN number, unauthorized use by a third party can be prevented, and electronic application can be performed safely.

[0029]

As described above, according to the present invention, the MPN to which the applicant terminal 4 is allocated from the center station 4 is described.
By receiving the number, you can pay in advance the fee required for electronic application. Further, even when the MPN number is stolen, misuse or unauthorized use by a third party can be prevented by comparing the first hash value and the second hash value on the closed network. Therefore, the effect that the electronic application can be safely realized from the above is obtained.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an electronic application settlement system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing an operation of the embodiment.

FIG. 3 is a diagram showing an example of a database stored in the center station 1 of the embodiment.

[Explanation of symbols]

1 ... Center station, 2 ... Application receiving station, 3 ... Financial institutions station,
4 ... Applicant terminal, 100 ... Dedicated line network, 200 ... Internet.

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G09C 1/00 640 G09C 1/00 640A 640D

Claims (7)

[Claims] Claims: 1. An applicant terminal in an electronic application settlement system, comprising: calculating a first hash value by performing an operation based on application content explicit data input by an electronic applicant;
Calculating means for transmitting the first hash value to the center station; and receiving data including the application identification number associated with the first hash value from the center station, and transmitting the application identification number. Electronic payment means for performing an electronic application by transmitting the received application identification number and the application content explicit data to an application receiving station, wherein the electronic payment means includes: Applicant terminal featured. 2. A center station in an electronic application settlement system, comprising: receiving a first hash value calculated based on application content explicit data from an applicant terminal; assigning an application identification number; Hash value registering means for associating the hash value with the application identification number, registering the associated first hash value and application identification number in a database, and transmitting the application identification number to the applicant terminal; A paid information registration unit for receiving the application identification number and the paid information, and registering the received paid information in the database in association with the application identification number; Receiving the hash value and the application identification number, and for the application identification number, the received second hash value and the Application content determining means for determining whether or not the first hash value matches and whether or not the paid information is registered in the database, and transmitting the determination result to the application receiving station And a center station comprising: 3. An application receiving station in an electronic application settlement system, wherein the application receiving station receives application content explicit data and an application identification number from an applicant terminal, and a second hash based on the received application content explicit data. Calculating means for calculating a value, transmitting the calculated second hash value and the application identification number to a center station for inquiring, and receiving a result of the inquiry from the center station, Application receiving means for determining whether to accept or return the electronic application based on the electronic application. 4. A first hash value is calculated in a computer of an applicant terminal in an electronic application settlement system based on application content explicit data input by an applicant making an electronic application, and the first hash value is stored in a center. Transmitting the application identification number associated with the first hash value from the center station, and transmitting the application identification number to prepaid the fee for the electronic application. Transmitting the received application identification number and the application content explicit data to an application receiving station, thereby performing an electronic application. 5. A process of receiving a first hash value calculated based on application content explicit data from an applicant terminal to a computer of a center station in an electronic application settlement system, and allocating an application identification number; A process of associating the hash value of No. 1 with the application identification number and registering the associated first hash value and application identification number in the database; and transmitting the application identification number to the applicant terminal. Receiving the application identification number and the paid information, registering the received paid information in the database in association with the application identification number, and receiving a second hash value and the application from an application receiving station. An identification number is received, and for the application identification number, the received second hash value and the first hash registered on the database are received. And a process of determining whether the paid information on the database is registered or not, and a process of transmitting the determination result to the applicant terminal. program. 6. An application form receiving data in an application receiving station in an electronic application settlement system is received from an applicant terminal and an application identification number is received. A process of calculating a hash value of the above, a process of transmitting the calculated second hash value and the application identification number to a center station for inquiring, and a result of the inquiry from the center station, A process of determining whether to accept or return the electronic application based on the result of (i). 7. A first hash value calculated based on the application content explicit data and an application identification number assigned to the application are registered in a database in association with each other, and payment for the application is performed. When received, the paid information is registered on the database in association with the application identification number, a second hash value and the application identification number are received, and the received second hash value is received for the application identification number. And determining whether the first hash value registered on the database matches the first hash value, and determining whether the paid information is registered on the database. Payment system.