JP2002358471A - Electronic payment system, receipt, receipt issuing device, auditing device, and digital watermark storage management device - Google Patents

Abstract

(57) [Summary] [Problem] To enable electronic proof of an act of buying and selling goods using the Internet or the like. SOLUTION: A seller 2 includes seller-specific information, trading information, and purchaser identification information on each sales information in sales cumulative information instead of a book and on an electronic receipt issued to the buyer 1. Embed a visible or invisible digital watermark and issue it. The auditing organization 3 uses such information to electronically certify the actions that were conventionally performed on paper receipts, books and the like. The purchaser ID certification organization 5 issues and manages an ID by registering a purchaser who wants to purchase a product or the like in the illustrated system. Further, the digital watermark authentication organization 4 registers and manages the basic format of the digital watermark used by the seller.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system, an electronic receipt, an electronic receipt issuing device, an auditing device, and an electronic watermark storage and management device. An electronic payment system that manages trading information in the purchase and sale of products and services by individuals and traders, and issues the contents to be described in the receipt as electronic information as an alternative to the paper receipt issued to the buyer. The present invention also relates to an electronic receipt, an electronic receipt issuing device, an audit device, and an electronic watermark accumulation management device used in this system.

[0002]

2. Description of the Related Art In recent years, electronic payment through a network such as the Internet, and a method of buying and selling and contracting goods without money using products, technologies, services and the like such as an electronic wallet in EC (Electronic Commerce). Is spreading. However, these means do not digitize a receipt that proves payment when a purchaser purchases a product.

[0003] Further, when the receipt is digitized, it is necessary to provide a means for preventing fraudulent acts such as falsification, forgery, and duplication of the receipt. The means to enable the falsification, falsification, duplication and confirmation of the issuer of the electronic receipt with the current technology include encrypting the management information and attaching it to the electronic receipt, specifying the secret key and the identification on the electronic receipt. A technique has been proposed in which an authentication code is generated using information and the authentication code is attached to an electronic receipt.

[0004]

In the prior art of attaching information such as information obtained by encrypting management information and an authentication code to an electronic receipt, the validity of the information is checked by checking the attached encrypted information or authentication information. Since it is performed by comparing the information reproduced by a specific algorithm based on the code with the information on the electronic receipt, it is possible to check for falsification and forgery, but the electronic receipt and attached It is difficult to detect fraudulent activities by copying encrypted information or an authentication code.

[0005] Further, in the above-mentioned prior art, a means for mutual confirmation between a sales record that may be managed by the seller and an electronic receipt is not considered, and an algorithm for decryption and generation of an authentication code is not used. If known, there is a problem that an electronic receipt of a non-existent seller is easily created.

SUMMARY OF THE INVENTION An object of the present invention is to provide a system in which sales and contracts of goods are made and contracts through communication means, and in connection with this, electronic falsification, forgery, and duplication of an electronic receipt issued by a seller are performed. It is an object of the present invention to provide an electronic settlement system that can be made impossible, and an electronic receipt, an electronic receipt issuing device, an audit device, and an electronic watermark accumulation management device used in this system.

[0007]

According to the present invention, an object of the present invention is to provide an electronic payment system for making an electronic decision by buying and selling goods and making a contract through communication means. Introducing and purchasing a product for sale through communication between a buyer's communication device for performing a product purchase action through communication with the seller and a buyer's communication device of the buyer provided at the seller who sells the product. Sales and purchase control device for accepting the product, an electronic receipt issuing device for issuing an electronic receipt to the purchaser when the price has been paid, and a seller-specific device for attaching the electronic receipt and the sales information to the purchaser This is achieved by providing an electronic watermark creation device for creating an electronic watermark.

Another object of the present invention is to prove that a digital watermark created by a seller in advance by a digital watermark creating device is a seller-specific digital watermark basic format for a seller to paste on an electronic receipt. The digital watermark authentication organization has a digital watermark storage management device, and the digital watermark storage management device stores the digital watermark basic format applied for registration by the seller, and stores the stored digital watermark in response to an inquiry from an external organization. This is achieved by matching the watermark with the digital watermark to be queried and, when the results match, proving that the digital watermark introduced by the query is correct.

[0009] Further, the above-mentioned object is to provide a search / matching device as an auditing device by an auditing organization that checks the validity of the contents of an electronic receipt submitted as evidence such as the income of the seller and the final tax return of the purchaser. The retrieval / matching device is provided with an electronic receipt which serves as a cumulative document of sales and sales information which accumulates sales information which is evidence of the income obtained from the sale of goods submitted by the seller, and a proof document such as a final tax return submitted by the buyer. The right of the product purchaser to accumulate the documents, confirm the individual contents and confirm the mutual matching, confirm the validity of the electronic receipt, and conduct the purchase of the product by communication with the seller who sells the product The purchaser ID certification body that manages the information is provided with an ID management device. The ID management device examines the contents of the application in response to the application from the purchaser, and issues a purchaser ID when there is no problem. And buyer D is stored and managed, and in response to an inquiry from an external organization, there is a purchaser ID to be queried, and the information of the user of the purchaser ID to be queried is compared with the information of the issuer (application content). This is achieved by proving that the user of the buyer ID to be queried is correct when the results match.

The present invention is characterized in that a visible or invisible digital watermark is embedded on an electronic receipt. This electronic watermark is a mark or sales information that the seller has negotiated in advance when the seller issues an electronic receipt, and in the case of a transaction via a network, an address or ID that the buyer can specify.
Created based on such information and embedded in the electronic receipt.

As a result, the auditing organization (for example, an organization such as a tax office that has the authority to determine the validity of a receipt)
It is possible to confirm whether the receipt is forged and confirm the validity of the contents of the electronic receipt, such as whether the purchaser is the person himself or herself.

The basic format of a digital watermark created on the basis of information such as a mark and trade information pre-arranged by a seller, an address that can identify a purchaser in the case of a transaction through a network, and a purchaser ID is determined by the seller. To a digital watermark certification organization that guarantees the legitimacy of the digital watermark itself (for example, an organization that manages the basic format of a unique digital watermark created for each seller as well as an organization that manages trademarks and designs) A registration request is made and registered in advance in the digital watermark accumulation management device.

Thus, when the auditing organization confirms the validity of the purchaser's electronic receipt, the digital watermark authentication organization responds to the request of the auditing organization based on the registered contents in the digital watermark storage management device. Digital watermark embedded in the
By checking the digital watermark registered with the digital watermark authentication organization with the digital watermark, the falsification and forgery of the digital watermark can be clarified.

A product name managed by the seller;
For the sales information such as sales quantity, sales destination, sales date, and payment date, the same digital watermark attached to the issued electronic receipt, or identification information that can identify the digital watermark, to the sales information. By requiring the attachment of the information, the auditing organization can confirm the validity of the content of the sales information in the cumulative sales information serving as the evidence document of the seller and the corresponding digital watermark. In addition, the audit body
An electronic watermark attached to an electronic receipt submitted by an unspecified number of purchasers is classified by seller, and the seller submits it to the auditing organization as evidence documents. By matching with the watermark, false trade information can be extracted.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of an electronic settlement system according to the present invention, and an electronic receipt, an electronic receipt issuing device, an auditing device, an auditing device, and a digital watermark accumulation management device used in the system will be described with reference to the drawings. This will be described in detail.

FIG. 1 is a diagram showing a relationship between a seller, a purchaser, and various institutions that constitute an electronic settlement system according to an embodiment of the present invention. Hereinafter, the configuration shown in FIG. 1 is referred to as a business model. In FIG. 1, 1 is a purchaser, 2 is a seller, 3 is an inspection organization, 4 is an electronic watermark authentication organization, 5 is a purchaser ID authentication organization, and 6 is a network.

The business model shown in FIG. 1 includes a purchaser 1 who purchases a product, a seller 2 who sells a product, and a purchaser ID authentication for granting and managing the right to purchase the product via the illustrated system. Institution 5, an auditing organization 3 that checks the validity of electronic receipts with digital watermarks, which are evidence of purchases and sales of goods submitted by sellers, and a seller that sells products that sells its own electronic receipts An electronic watermark authentication organization 4 for registering a basic format of an electronic watermark to be used for attachment is configured to be mutually connectable via a network 6.

In the above description, the purchaser 1 first selects the network (such as Internet shopping) 6 or the EC (E
purchaser ID certification organization 5 in order to acquire the right to be able to make purchases using Electronic Commerce).
Apply for registration at. The purchaser ID certification organization 5 assigns an ID to the purchaser 1 as a proof of the right. When applying for the purchase of a product to the seller 2 of the product, the purchaser 1 specifies a payment method such as payment by electronic money or payment by credit and also inputs the above-mentioned ID. When the seller 2 receives the application for purchase from the buyer 1, the seller 2 issues a shipping instruction for the product,
When payment is confirmed, an electronic receipt is issued.

The seller 2 registers the digital watermark created based on the seller-specific information section such as a predetermined mark in the digital watermark authentication organization 4 as its own digital watermark basic format, In the case of transactions via the trade information section and the network for the watermark basic format, the buyer identification information section such as the address and ID that the purchaser can identify is edited, and the one created as one digital watermark is regarded as invisible. It is attached to the electronic receipt and issued to the buyer 1 who has made a transaction. The digital watermark created at that time is also attached to the sales information in the sales accumulation information section managed by the seller 2. The digital watermark that is pasted on the above-mentioned electronic receipt and also attached to the sales information is the basic format of the digital watermark, product name,
Trading information such as sales volume, sales destination, sales date, and payment date,
This is a digital watermark into which the purchaser specifying information such as the address and the purchaser ID that can specify the purchaser is inserted and edited. The sales accumulation information is information in which all sales information managed by the seller 2 is accumulated, and is submitted to the auditing organization 3 at a specific time, such as at the time of settlement of accounts, as evidence of the seller 2's income. The electronic receipt with the digital watermark issued to the buyer 1 is
Is submitted to the auditing organization 3 as evidence at the time of final tax return.

The auditing organization 3 examines the validity of the cumulative sales information and the electronic receipt with digital watermark submitted by both the seller and the purchaser, and examines the fake trading information and the fake electronic receipt. . In addition, electronic receipts,
Along with confirming the sales information and the content of the digital watermark attached to each, mutual confirmation by the electronic receipt and the sales cumulative information and the digital watermark attached to each, identity verification to the buyer ID authentication organization 5, A method of confirming registration of the digital watermark basic format to the digital watermark authentication organization 4 can be used.

FIG. 2 is a block diagram showing the configuration of the electronic settlement system according to one embodiment of the present invention. In FIG. 2, 100 is a communication device for buyer, 200 is a digital watermark creation device, 300 is a merchandise sales control device, 400 is an electronic receipt issuing device, 500 is a search / matching device, 600 is a digital watermark accumulation management device, and 700 Is an ID management device, and other reference numerals are the same as those in FIG.

The electronic payment system shown in FIG. 2 shows devices and the like required in the configuration shown in FIG.
In FIG. 2, a purchaser 1 has a purchaser communication device 10 such as a PC for searching for a product and applying for purchase.
0, and the seller 2 introduces a product to the unspecified number of buyers 1 via the network 6, a digital watermark creating apparatus 200 for creating and editing the seller's own digital watermark, and Management of reception and payment / non-payment, electronic commerce control device 300 for managing all trade information as sales cumulative information, and electronic watermarking for the purchaser 1 who has made a purchase application whose payment has been confirmed by the purchase and sale control device 300. Electronic receipt issuing device 4 that creates and issues receipts
The auditing organization 3 includes a search / matching device 500 as an auditing device for examining the contents of the electronic receipt with the electronic watermark submitted by the purchaser 1 and the trade information submitted by the seller 2. The digital watermark authentication organization 4 stores and manages a digital watermark created and edited by the seller 2 using the digital watermark creating device 200 and registered as its own unique digital watermark basic format. 600, and the purchaser ID authentication organization 5 includes an ID management device 700 that accumulates and manages contents of the purchaser 1 applying for an ID that is a right that can purchase a product by the network 6 or EC. I have. In the electronic payment according to the embodiment of the present invention, the various devices described above are executed via the network 6.

FIG. 3 is a flowchart for explaining a processing operation performed by the seller of the system shown in FIG. 2 when the seller issues an electronic receipt. This will be described below.

(1) The seller 2 accumulates, in advance, in the merchandise trading control device 300 or the electronic receipt issuing device 400, information on all transactions and payments made in the transaction as sales accumulation information 401. Electronic receipt issuing device 400
Obtains one of the sales information that has been paid and has not been issued a receipt from the sales cumulative information 401 as the paid sales information, edits the electronic receipt, and converts the created electronic receipt into the edited It is output for temporary storage in the electronic receipt storage unit 405 (steps 402 to 404).

(2) The seller 2 prepares the digital watermark in advance with the digital watermark generating apparatus 200, registers the digital watermark in the digital watermark authentication organization 4, and pastes the registered digital watermark as a digital watermark for pasting. Is stored in the electronic watermark storage unit. The electronic receipt issuing device 400 takes out the pasting digital watermark to be pasted on the electronic receipt to be issued from the pasting digital watermark storage unit 406 and inputs it to its own device. ), After editing (adding) the information about the purchaser (purchase specifying information) to the electronic watermark for pasting, the edited digital watermark storage unit 4
09 for temporary storage (step 40).
7, 408).

(3) Next, the electronic receipt issuing device 400
Can extract the edited digital watermark stored in the edited digital watermark storage unit 409 and paste it on the sales information in the cumulative sales information 401 or specify the edited digital watermark. The identification information is attached to the sales information, and the digital watermark or the sales information with the identification information attached is stored in the sales total information 401 (step 410).

(4) Thereafter, the electronic receipt issuing device 400
Retrieves the edited digital watermark in the edited digital watermark storage unit 409 and the edited electronic receipt in the edited electronic receipt storage unit 405, and pastes the edited digital watermark into the edited electronic receipt ( Step 411).

(5) Next, the electronic receipt issuing device 400 specifies the receipt issuance form specified by the purchaser when making an application for article purchase and stored in the sales information via the network. It is checked whether or not the transmission is a transmission, and if the receipt issuance form is transmission via a network, an electronic receipt is transmitted to the communication device 100 for the purchaser via the network 6 and the purchaser mails the electronic receipt. Is output to a medium for mailing, the issuance of an electronic receipt for the sales information for which one receipt has not been issued has been completed, and the next receipt has not been issued. Continue the process of issuing an electronic receipt for the sales information (steps 412-412).
414).

The above-described series of processing is executed for all sales information in the sales accumulation information 401 automatically or periodically by a start operation by an operator.

FIG. 4 shows an audit of the system shown in FIG. 2 when the auditing organization confirms the validity of the electronic receipt with digital watermark and the cumulative sales information, which are the proof of the sale of goods submitted by the buyer and the seller. It is a flowchart illustrating the processing operation of the confirmation of the validity of the cumulative sales information performed by the institution,
Hereinafter, this will be described. The flow described here is for an unspecified large number of sellers provided in one place so that the search / matching device in the auditing organization can perform a process of confirming the validity of the cumulative sales information submitted by the seller. This is the processing up to registration in the sales accumulation information accumulation unit.

(1) The search / matching device 500 receives the cumulative sales information submitted from the seller by means 501 such as a recording medium or communication, and transfers one of the sales information in the cumulative sales information to its own device. Then, a trade information section and a purchaser specifying information section in the digital watermark attached to the trade information are extracted (steps 502 and 503).

(2) The sales information section and the purchaser identification information section in the digital watermark extracted in step 503 are compared with the contents of the sales information to check whether or not there is any difference between the two. (Step 504).

(3) If the contents of the trade information are different from the contents of the trade information section extracted from the digital watermark in the check of step 504, the different part is clarified and the information is output to the output device 509. Then, the data is output for storage in the processing result storage unit 508, and the processing here ends (step 507).

(4) If the contents of the sales information match the contents of the sales information section extracted from the digital watermark in the check in step 504, the sales information and digital watermark are accumulated by an unspecified number of sellers. The information is registered in the information storage unit 506, and the processing here ends. The above-mentioned registration is performed for each seller in the sales accumulation information storage unit 506 (step 505).

The above-described series of processing is performed for all of the sales cumulative information when the sales cumulative information is received from the seller by means 501 such as a medium or communication, by a starting operation by the operator or periodically.

FIG. 5 shows an audit of the system shown in FIG. 2 when the auditing organization confirms the legitimacy of the electronic receipt with digital watermark, which is the proof of the sale of goods submitted by the buyer and the seller, and the cumulative sales information. It is a flowchart explaining the processing operation | movement of the confirmation of the validity of an electronic receipt performed by an institution, and this is demonstrated below. The flow described here is
Registered in the electronic receipt storage unit of the unspecified majority of purchasers provided in one place so that the search and reconciliation device in the auditing organization can check the validity of the electronic receipt submitted by the purchaser This is the process up to that point. .

(1) The search / matching apparatus 500 receives an electronic receipt submitted by a means such as a recording medium or communication from a purchaser, inputs one of the electronic receipts to its own apparatus, and receives the electronic receipt and the electronic watermark. And temporarily store them as an electronic receipt 514 and an electronic watermark 515, respectively (steps 512 and 513).

(2) Next, the electronic receipt 514 and the electronic watermark 515 are taken out, and the sales information section and the purchaser specifying information section in the separated electronic watermark 515 are extracted. The contents of the sales information are compared with the contents of the sales information section extracted from the digital watermark 515, and it is checked whether there is any difference between the contents of the electronic receipt and the contents of the electronic watermark (steps 516, 517). (3) If the contents of the sales information on the electronic receipt 514 are different from the contents of the sales information section extracted from the digital watermark 515 in the check in step 517, the different part is clarified and the information is described. The data is output to the output device 520 and output for storage in the processing result storage unit 519, and the processing here ends (step 518).

(4) If the contents of the sales information on the electronic receipt 514 match the contents of the sales information section extracted from the electronic watermark 515 in the check at step 517, the electronic receipt and the electronic watermark Is registered in the electronic receipt storage unit 522 of the unspecified majority purchaser, and the process is terminated. The above-described registration is performed by the electronic receipt storage unit 52.
2 is performed for each purchaser (step 521).

The above-described series of processing is performed for all of the electronic receipt information when the electronic receipt information is received from the purchaser by means of a start operation by the operator or periodically by the means 511 such as a recording medium or communication. Done.

FIG. 6 shows an audit of the system shown in FIG. 2 when the auditing organization confirms the validity of the electronic receipt with the electronic watermark, which is the proof of the sale of goods submitted by the buyer and the seller, and the accumulated sales information. It is a flowchart explaining the processing operation of confirming the validity of the electronic receipt by matching in the search / matching device in the institution, which will be described below.

(1) The search / match device 500 is an unspecified majority purchaser who has registered and accumulated an electronic receipt submitted by the purchaser prepared in advance by the processing described in FIG. Then, the electronic receipt of the survey target purchaser is taken out from the electronic receipt storage unit 522 and inputted to the own device (step 531).

(2) The purchaser ID information in the purchaser identification information section is extracted from the digital watermark attached to the electronic receipt, and this purchaser ID is used as the initial processing of the purchaser to be surveyed. The data is output to the existence confirmation target storage unit 533. Only one purchaser ID is stored in the storage unit 533 per purchaser (step 532).

(3) Next, the search / matching device 500 searches the sales cumulative information storage unit 506 of the unspecified majority of sellers created in advance by the processing described with reference to FIG. The sales information in the sales cumulative information of the seller corresponding to the electronic receipt is searched from the sales cumulative information storage unit 506 of the unspecified number of sellers. Then, it is checked whether or not there is a seller who has issued the electronic receipt to be checked (steps 534 and 535).

(4) If it is determined in step 535 that there is no seller identical to the seller described on the electronic receipt in the cumulative sales information storage unit 506 of the unspecified majority seller, the electronic receipt Is output to the basic format matching target storage section 537 for one seller for the basic format from which the sales information section and the purchaser identification information section of the digital watermark are removed, and the processing here is ended. (Step 536).

(5) If it is determined in step 535 that the seller actually exists, it is determined whether the sales information corresponding to the electronic receipt exists in the sales cumulative information storage unit 506 of the unspecified multiple sellers. Is checked, and if the sales information exists, the contents of the electronic receipt and the contents of the sales information are compared to check whether there is any difference between these contents. If there is no difference in this check, the validity of the electronic receipt has been confirmed by matching, and the processing here ends (steps 538 and 539).

(6) If, in the check in step 538, the sales information corresponding to the electronic receipt does not exist in the sales cumulative information storage unit 506 of the unspecified majority seller, or in the check in step 539, If there is a difference between the contents of the receipt and the contents of the sales information, clarify that the sales information corresponding to the electronic receipt does not exist, or make a difference between the contents of the electronic receipt and the contents of the sales information. Clarify a part, output it to the output device 542,
The output for storage in the processing result storage unit 541 is performed, and the processing here ends (step 540).

The above-described series of processing is performed by an activation operation by an operator or periodically, or an electronic receipt of all purchasers stored in the electronic receipt storage unit 522 of an unspecified majority of purchasers, or a designated electronic receipt. This is done on the buyer's electronic receipt.

FIG. 7 shows an audit of the system shown in FIG. 2 when the auditing organization confirms the legitimacy of the electronic receipt with digital watermark and the cumulative sales information, which are proof of the sale of goods submitted by the buyer and the seller. It is a flowchart explaining the processing operation | movement of the confirmation of the validity of the sales accumulation information by the matching in the search / matching apparatus in an institution, and this is demonstrated below.

(1) The search / matching apparatus 500 is an unspecified multiple seller who has registered and accumulated the sales cumulative information previously submitted by the seller by the processing described in FIG. 4 in units of sellers. Then, the sales cumulative information of the surveyed seller is taken out from the sales cumulative information storage unit 506 and inputted to the own device (step 551).

(2) Investigate the basic format of a digital watermark (seller specific information section) obtained by removing the trade information section and the purchaser specifying information section from the digital watermark attached to each trade information in the cumulative sales information. As an initial process for the target seller, it is output for storage in the basic format matching target storage unit 537 (step 552).

(3) Next, the search / matching apparatus 500 searches the electronic receipt storage unit 522 of the unspecified majority purchaser created in advance by the processing described with reference to FIG. The electronic receipt of the purchaser corresponding to all the sales information in the accumulated information is stored in the electronic receipt storage unit 5 of the unspecified majority of purchasers.
Find out from 22. Then, it is checked whether or not there is a purchaser (submitting an electronic receipt for the purchase and sale) identical to the purchaser corresponding to the purchase and sale information to be investigated (steps 553 and 554).

(4) If it is determined in step 554 that there is no purchaser in the electronic receipt storage unit 522 of the unspecified majority of sellers that is described in the sales information, the purchase and sale of the purchaser About the information, the buyer I in the trade information
The D information is output for registration of one purchaser of the sales cumulative information to the purchaser ID existence confirmation target storage unit 533 (step 555).

(5) If it is determined in step 554 that there is a purchaser in the electronic receipt storage unit 522 of the unspecified multiple sellers that is the same as the purchaser described in the sales information, then It is checked whether or not the electronic receipt corresponding to the sales information exists in the electronic receipt storage unit 522 of the unspecified majority purchaser. If the electronic receipt corresponding to the sales information exists, the contents of the sales information and the electronic Compare the contents of the receipt and check if there is any difference in these contents.
If there is no difference in this check, it means that the validity of the sales information has been confirmed by matching, and the processing here ends (steps 556, 557).

(6) If there is no electronic receipt corresponding to the sales information in the check in step 556, or if there is a difference between the contents of the sales information and the content of the electronic receipt in the check in step 557. In this case, it is clarified that the electronic receipt corresponding to the sales information does not exist, or the difference between the contents of the sales information and the contents of the electronic receipt is clarified and output to the output device 560. ,
Output for storage in the processing result accumulation unit 559 is performed, and the processing here ends (step 558).

The above-described series of processing is performed by an activation operation by an operator or periodically, in the sales accumulation information of all the sellers accumulated in the sales accumulation information accumulation section 506 of the unspecified majority of sellers, Alternatively, the process is performed on the trade information in the trade cumulative information of the designated seller.

The information of the digital watermark (seller specific information section) stored in the basic format matching target storage section 537 in the processing described with reference to FIGS. The storage unit 53 used in the process of FIG.
The information of the purchaser ID stored in 3 is used in the processing of FIG.

FIG. 8 is a flowchart for explaining the processing operation of the digital watermark validity check performed by the digital watermark storage management device in the digital watermark authentication organization which checks the validity of the digital watermark requested to be investigated by the auditing organization. This will be described below.

(1) The digital watermark storage management device 600 of the digital watermark authentication organization 4 checks the inspection target stored in the basic format matching target storage unit 537 submitted by the means 601 such as a recording medium or communication from the inspection organization. A digital watermark is received, one of the digital watermarks is input to the own device, and a digital watermark basic format storage unit 604 registered in advance as a digital watermark basic format unique to each company by each seller.
(Steps 602 and 603).

(2) For the result of the search in step 603, it is checked whether or not there is a digital watermark in the same format as the digital watermark to be checked in the digital watermark basic format storage unit 604, and the digital watermark basic format is stored. If the same digital watermark as the one to be investigated is not registered in the section 604, an error message indicating that "there is no basic format" is attached to the digital watermark to be investigated (step 60).
5, 606).

(3) As a result of the check in step 605,
If the same digital watermark as the search target is registered in the digital watermark basic format storage unit 604, the content of the digital watermark input as the search target matches the digital watermark basic format storage unit 604. It is checked whether there is any difference between the contents of the retrieved digital watermark as a result of the search and, if the difference is found, an error message stating that "the basic format differs from the basic format" is attached to the digital watermark to be investigated (step 607). , 60
8).

(4) As a result of the check in step 607,
If there is no difference between the content of the digital watermark input as the search target and the content of the digital watermark searched for as a match from the digital watermark basic format storage unit 604, the digital watermark to be checked is “regular format”. Is attached (step 609).

(5) In the processing of steps 606, 608, and 609, the digital watermark to be investigated to which the error message and the normal message are attached is transmitted to the search / matching device of the auditing organization by means of communication or the like 611, or It is stored in a storage medium and sent to the auditing organization 3. The digital watermark attached with the message sent to the auditing organization 3 is
It is registered in the processing result accumulation unit of the matching device 500 (step 610).

The above-described series of processing is performed on all digital watermarks to be investigated by a start-up operation by an operator or automatically each time a survey request is received from an auditing organization.

FIG. 9 shows an example of the I in the purchaser ID authentication organization which confirms the existence of the purchaser ID requested by the audit organization.
It is a flowchart explaining the processing operation | movement of the purchaser ID existence confirmation performed by D management apparatus, and this is demonstrated below.

(1) ID at the purchaser ID certification organization 5
The management device 700 receives the purchaser ID information of the purchaser ID existence confirmation target storage unit 533 submitted by the recording medium or the communication unit 701 from the auditing organization, and receives the information.
One is input to the own device, and the purchaser ID registration application is performed in advance by each purchaser. Search for the corresponding purchaser ID (Step 7)
02, 703).

(2) Regarding the result of the search in step 703, the same purchaser ID is stored in the ID payout information storage unit 704.
Is checked, and if the same ID as the purchaser ID input as the search target is not registered in the ID payout information storage unit 704, the purchaser ID is An error message stating "not present" is attached (steps 705 and 706).

(3) In the check in step 705, the ID
If the same purchaser ID as the survey target is registered in the payout information storage unit 704, there is no difference in the contents such as the name and address of the owner (purchaser) of the purchaser ID are different. Check if there is a difference,
"Information such as owner is different" in survey target buyer ID information
(Steps 707, 7)
08).

(4) If there is no difference in the name and address of the owner (purchaser) of the purchaser ID in the check in step 707, the search target purchaser ID information indicates “authorized purchaser ID. "Message (step 7
09).

(5) The purchaser ID information of the investigation target to which the error message and the normal message are attached in the processing of steps 706, 708, and 709 is transmitted to the search / matching device of the auditing organization by means of communication or the like 711. Alternatively, it is stored in a storage medium and sent to the auditing organization 3. The purchaser ID information to which the message sent to the auditing organization 3 is attached is registered in the processing result accumulation unit of the search and matching device 500 of the auditing organization (step 710).

The above-described series of processing is performed for all the surveyed purchaser ID information by a starting operation by the operator or automatically each time a survey request is received from the auditing organization.

The functions of each device provided in the seller and various institutions in the embodiment of the present invention described above are shown in FIG.
9 can be provided as a processing program for executing the processing flow described in FIG. 9, and the processing program can be provided by being stored in a recording medium such as an FD, an MO, a CDROM, and a DVDROM.

[0073]

According to the present invention described above, in selling or purchasing merchandise using the Internet or the like, falsification or falsification of an electronic receipt issued by a seller, discovery / prevention of duplication, and sales information managed by the seller. Falsification and counterfeiting can be detected and prevented, and it becomes possible to electronically certify the actions that have been performed on conventional paper receipts and books.

[Brief description of the drawings]

FIG. 1 is a diagram showing a relationship between a seller, a purchaser, and various institutions that constitute an electronic payment system according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating a configuration of an electronic payment system according to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating a processing operation performed by the seller's electronic receipt issuing device of the system shown in FIG. 2;

4 is a flowchart illustrating a processing operation of confirming the validity of sales cumulative information performed by an auditing organization of the system shown in FIG. 2;

5 is a flowchart illustrating a processing operation of confirming the validity of an electronic receipt performed by an auditing organization of the system shown in FIG. 2;

FIG. 6 is a diagram showing search and retrieval by an auditing organization of the system shown in FIG.
It is a flowchart explaining the processing operation | movement of confirming the validity of an electronic receipt by the matching in a matching device.

FIG. 7 is a diagram showing search and retrieval by the auditing organization of the system shown in FIG. 2;
It is a flowchart explaining the processing operation | movement of the confirmation of the validity of the sales accumulation information by the matching in a matching device.

FIG. 8 is a flowchart illustrating a processing operation of a digital watermark validity check performed by a digital watermark storage management device in a digital watermark authentication organization that checks the validity of a digital watermark.

FIG. 9 is a flowchart illustrating a processing operation of a purchaser ID existence check performed by the ID management device in the purchaser ID authentication organization that performs the purchaser ID existence check.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Buyer 2 Seller 3 Auditing organization 4 Digital watermark authentication organization 5 Purchaser ID authentication organization 6 Network 100 Communication apparatus for purchasers 200 Digital watermark creation apparatus 300 Merchandise trading control apparatus 400 Electronic receipt issuing apparatus 401 Sales accumulation information 405 Editing Electronic receipt storage unit 406 Attachment digital watermark storage unit 409 Edited digital watermark storage unit 500 Search / match unit 506 Sales and accumulation information storage unit of unspecified majority sellers 514 Electronic receipt 515 Electronic watermark 522 Unspecified majority purchasers Electronic receipt storage unit 533 Purchaser ID existence confirmation target storage unit 537 Basic format matching target storage unit 600 Digital watermark storage management device 604 Digital watermark basic format storage unit 700 ID management device 704 ID payout information storage unit

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Claims (13)

[Claims] 1. An electronic payment system for making an electronic decision by buying and selling a product and making a contract via a communication means, wherein a purchaser who purchases a product performs a product purchase act by communicating with a seller who sells the product. Communication between the buyer's communication device and the buyer's buyer's communication device provided at the seller who sells the product. An electronic receipt issuing device for issuing an electronic receipt to the purchaser, and an electronic watermark creating device for creating a seller-specific electronic watermark to be attached to the electronic receipt and trading information. An electronic payment system, comprising: 2. In an electronic payment system in which a seller buys and sells goods and makes a contract through a communication means to make an electronic decision, an electronic watermark created by a seller in advance by an electronic watermark creation device is pasted on an electronic receipt by the seller. A digital watermark certification organization for certifying that the digital watermark basic format is a digital watermark basic format dedicated to a seller is provided with a digital watermark storage management device. The format is stored, the stored digital watermark is compared with the digital watermark to be queried in response to an inquiry from an external organization, and when the result matches, the digital watermark brought in by the query is An electronic payment system characterized by proving correctness. 3. The contents of an electronic receipt submitted as evidence such as a seller's income, a buyer's final tax return, etc., in an electronic settlement system that makes and sells and contracts goods via communication means and makes an electronic decision. The auditing organization that performs the validity check of the product has a search / matching device as an auditing device, and the search / matching device stores the sales and accumulation information that is evidence of the income obtained by buying and selling goods submitted by the seller. Accumulates electronic receipts as information and evidence documents such as final tax returns submitted by the purchaser, confirms the contents of each item and checks each other's matches, confirms the validity of the electronic receipt, and sells the product A purchaser ID certification organization that manages the right of a product purchaser to perform a product purchase action through communication with a seller that has an ID management device, and the ID management device, in response to an application from the purchaser, Referee If there is no problem, issue the purchaser ID, accumulate and manage the application contents and the purchaser ID, and in response to an inquiry from an external organization, the purchaser ID to be queried exists and the purchaser to be queried The information of the user of the ID is compared with the information of the issuer (contents of application), and when the result is matched, the user of the inquiry target purchaser ID is proved to be correct. Payment system. 4. Upon receipt of an application from a purchaser of a product to a purchaser ID certification organization, an ID management device of the purchaser ID certification organization issues a purchaser ID to the purchaser, and the purchaser of the product purchases the product for the purchaser. A seller who presents the purchaser ID from the communication device and communicates with the seller who sells the product, and purchases the product by using the seller's digital watermark creation device. Create a unique digital watermark,
Register as a digital watermark basic format for the seller as an electronic watermark basic format, register with the digital watermark accumulating and managing device of the digital watermark authentication agency, and pay the price during the buying and selling of the above-mentioned products. As a result, the electronic receipt issuing device converts the digital watermark basic format into trading information such as product name, sales quantity, sales destination, sales date, and payment date, and purchaser identification information such as an address and a purchaser ID that can identify the purchaser. Inserting and editing the electronic watermark on the electronic receipt and the sales information, issuing the electronic receipt to the purchaser, and managing the sales information as the cumulative sales information on the seller side. The electronic payment system according to 1, 2, or 3. 5. In response to an application from a purchaser of a product to a purchaser ID certification organization, an ID management device of the purchaser ID certification organization issues a purchaser ID to the purchaser, and the purchaser of the product purchases a product for the purchaser. The customer purchases the product by communicating with the seller who sells the product by presenting the purchaser ID from the communication device, and the payment is paid. Creates information, issues an electronic receipt to the buyer, manages the sales information as cumulative sales information on the seller side, and receives and saves the electronic receipt with the digital watermark received and stored by the buyer. Etc., and the sales cumulative information with digital watermark managed by the seller are submitted to the auditing organization as evidence of the income obtained by buying and selling the products, respectively.
4. The electronic settlement system according to claim 1, wherein the search / reconciliation device of the auditing organization registers them and confirms the validity by confirming individual contents and mutual reconciliation. 6. In response to an application from a purchaser of a product to a purchaser ID certification organization, an ID management device of the purchaser ID certification organization issues a purchaser ID to the purchaser, and the purchaser of the product purchases the product for the purchaser. The customer purchases the product by communicating with the seller who sells the product by presenting the purchaser ID from the communication device, and the payment is paid. Creates information, issues an electronic receipt to the buyer, manages the sales information as cumulative sales information on the seller side, and receives and saves the electronic receipt with the digital watermark received and stored by the buyer. Etc., and the sales cumulative information with digital watermark managed by the seller are submitted to the auditing organization as evidence of the income obtained by buying and selling the products, respectively.
The search and reconciliation device of the auditing organization registers them, confirms the contents of each and confirms the validity by mutual reconciliation,
The purchaser ID included in both the electronic receipt with digital watermark and the sales cumulative information with digital watermark is delivered to the ID certification organization, and the ID management device of the ID certification organization checks the validity of the purchaser ID. The electronic settlement system according to claim 1, 2 or 3, wherein 7. An application from a purchaser of a product to a purchaser ID certification organization, an ID management device of the purchaser ID certification organization issues a purchaser ID to the purchaser, and the purchaser of the product purchases a product for the purchaser. The customer purchases the product by communicating with the seller who sells the product by presenting the purchaser ID from the communication device, and the payment is paid. Creates information, issues an electronic receipt to the buyer, manages the sales information as cumulative sales information on the seller side, and receives and saves the electronic receipt with the digital watermark received and stored by the buyer. Etc., and the sales cumulative information with digital watermark managed by the seller are submitted to the auditing organization as evidence of the income obtained by buying and selling the products, respectively.
The search and reconciliation device of the auditing organization registers them, confirms the contents of each and confirms the validity by mutual reconciliation,
Deliver the digital watermark included in both the electronic receipt with digital watermark and the sales cumulative information with digital watermark to the digital watermark certification organization, and confirm that the digital watermark storage management device of the digital watermark certification organization checks the validity of the digital watermark. Claim 1, characterized in that:
Electronic settlement system according to 2 or 3. 8. A receipt certifying that the amount claimed by the seller of the product has been paid by the purchaser of the product, the receipt information such as the seller, the product sold, the amount of the receipt, and the date of receipt. An electronic receipt characterized by pasting a visible or invisible digital watermark. 9. A receipt certifying that the amount claimed by the seller of the product has been paid by the buyer of the product, the receipt information such as the seller, the product sold, the amount of receipt, the date of receipt, etc. All or any combination of the buyer-specific information section such as a seller-specific information section, a trade information section, an address that can identify a purchaser, and an ID by a mark or the like previously determined by the seller as a visible or invisible digital watermark. Electronic receipt characterized by pasting. 10. The sales information in the sales accumulation information for managing the sales performance of the seller, which specifies that the billed amount has been paid by the product purchaser, and the product purchaser corresponding to the sales information. In a receipt issuing device that issues a receipt certifying that the amount charged by the seller has been paid to the seller, the seller-specific information section, trading information section, Generate all or any combination of the purchaser specifying information section such as the address and ID that can be specified as a visible or invisible digital watermark, and paste the generated digital watermark on the receipt to be issued;
A receipt issuing device wherein the same digital watermark or identification information capable of specifying the digital watermark is attached to corresponding sales information. 11. An auditing apparatus provided in an auditing organization that performs an audit by comparing the contents of a receipt stored by a purchaser of a product with the contents of cumulative sales information stored by a seller. Searches the corresponding sales information in the seller's cumulative sales information from the stored receipts, and stores the product's stored sales information from the specific sales information in the seller's cumulative sales information. A digital watermark attached to the receipt and the trading information, separating the digital watermark attached thereto, and performing matching using the digital watermark itself or identification information capable of identifying the digital watermark as a search key. Auditing equipment. 12. An auditing apparatus provided in an auditing organization which performs an audit by comparing the contents of a receipt stored by a purchaser of a product with the contents of cumulative sales information stored by a seller. Searches the corresponding sales information in the seller's cumulative sales information from the stored receipts, and stores the product's stored sales information from the specific sales information in the seller's cumulative sales information. Search for a document, and a seller-specific information section such as a mark previously determined by the seller included in the electronic watermark attached and pasted to the receipt and the trade information, a trade information section, and an address for identifying the purchaser An auditing apparatus characterized in that unique identification information such as a purchaser identification information section such as an ID and an ID is extracted and the information is matched using the information as a search key. 13. A digital watermark storage management device for searching and referring to a digital watermark attached to information or a printed material in order to prove the validity of the information or the printed material. In order to prove that the digital watermark attached is certainly the one that the seller has independently adopted, an unspecified number of sellers use a seller-specific information section such as a mark that has been negotiated by the seller in advance. An electronic watermark accumulation management device, which registers and accumulates as an electronic watermark, and searches and inquires of the accumulated electronic watermark in response to a request from an auditing organization.