A financial transaction control system, an application and a method of the same

Abstract

[Solution] A financial transaction control system in which an open secret code and a close secret code are set and registered in a financial transaction processing application file generated for each user account. Authentication of an open secret code transmitted by a user terminal is required in processing for opening a financial transaction processing application file, and when financial transaction information is subsequently received from a financial transaction and editing processing for editing the financial transaction information in the financial transaction processing application file is performed, an approval request regarding the financial transaction information is transmitted to the user terminal, the financial transaction control system waits for a reply including approval information, and after authentication of a close secret code included in the approval information included in the reply. The transmitting processing for transmitting the financial transaction data to a payment management system and close processing for closing the financial transaction processing application file are performed.

1 . A financial transaction control system for applying to a payment management system accompanying a credit use or a debit use, comprising:
 a financial transaction processing application file corresponding to each user account;   a financial transaction processing application program that performs controlling each financial transaction processing program for each user account;   wherein an open secret code and a close secret code are set in the financial transaction processing application file,   wherein the financial transaction processing application program comprises;   an open processing program for opening the financial transaction processing application file on the condition that the financial transaction processing application program performs authentication between an open secret code included in a financial transaction information input by a user matching with the set open secret code in the financial transaction processing application file,   an editing processing program for editing the financial transaction information to the financial transaction processing application file according to a financial transaction information from a financial transaction entity to the user account,   an approval request processing program for sending approval request information whether or not approving the financial transaction information to a user terminal, and waiting for the reply of an approval information from the user terminal,   a transmitting processing program for transmitting the edited financial data in the financial transaction processing application file to the payment management system and   a close processing program for closing the financial transaction processing application file on the condition that the financial transaction processing application program performs authentication between an close secret code included in the approval information input by the user matching with the set close secret code.   
     
     
         2 . A financial transaction control system according to  claim 1 ,
 wherein the open secret code is a biometric information of the user and the close secret code is a biometric information of the user.   
     
     
         3 . A financial transaction control system according to  claim 1 ,
 wherein the user ID information related to the financial transaction is included in the user medium, and the user utilizes the user medium to input the user ID information in the financial transaction.   
     
     
         4 . A financial transaction control system according to  claim 1 ,
 wherein the user ID information related to the financial transaction is included in the user terminal, and the user utilizes the user terminal to input the user ID information in the financial transaction.   
     
     
         5 . A financial transaction control system according to  claim 1 ,
 wherein the financial transaction processing application includes an availability status information state control part for controlling switching of availability status information indicating a state of validity of the user account or a state in which the financial transaction acceptance is possible,   the financial transaction processing application performs default invalid processing program via the availability status information state control part for maintaining the availability status information in an invalid state in a normal state, and   on the basis of the reply of the approval information from the user terminal, the switching processing program of the availability status information to the temporary effective state, the transmitting processing program, the default invalid processing program of the availability status information, and the closing processing program are performed consecutively.   
     
     
         6 . A financial transaction control system according to  claim 5 , wherein
 when the setting of the availability status information, based on the credit information indicating the validity of the user account by the payment management system or indicating the validity status of the financial transaction acceptance for the user account, indicates an effective valid state, the payment management system accepts switching of the availability status information by giving priority to switching control of the use availability status information by the availability status information state control part, and   the setting of the availability status information, indicating the validity status of the user account set on the basis of the credit information on the payment management system or indicating the validity status of the financial transaction acceptance for the user account, is set to indicate an invalid state, the payment management system does not accept switching control of the availability status information by the availability status information state control part, and maintains an invalid state of the availability status information.   
     
     
         7 . A financial transaction control system according to  claim 5 , wherein
 when the setting of the availability status information, based on the credit information indicating the validity of the user account by the payment management system or indicating the validity status of the financial transaction acceptance for the user account, indicates an effective valid state, the payment management system accepts switching of the availability status information by giving priority to the switching control of the availability status information by the availability status information state control part, and   the setting of the availability status information, indicating the validity status of the user account set on the basis of the credit information on the payment management system or indicating the validity status of the financial transaction acceptance for the user account, is set to indicate an invalid state, the payment management system can select accepting switching control of the availability status information based on the credit information of the user account or giving priority to the switching control of the availability status information by the availability status information state control part.   
     
     
         8 . A user application installed in a user terminal or available by an application service provider system, cooperating with the financial transaction control system according to  claim 1 , comprising,
 a financial transaction processing request information generation processing program for generating the financial transaction processing request information, and   a financial transaction processing request information transmission processing program for transmitting the generated financial transaction processing request information to the financial transaction processing application;   an approval information generation processing program for generating the approval information, and   an approval information reply processing program for returning the generated approval information to the financial transaction processing application.   
     
     
         9 . A user application according to  claim 8 ,
 wherein the financial transaction is a transaction accompanying a credit use with a credit card or a debit use with a debit card.   
     
     
         10 . A user application according to  claim 8 ,
 wherein the financial transaction is a transaction accompanying a credit use or a debit use with an IC device of a non-card type or a micro IC device embedded in a human body.   
     
     
         11 . A financial transaction control method for applying to a payment management method accompanying a credit use or a debit use, comprising:
 using financial transaction processing application file generated for each user account, and a financial transaction processing application for controlling financial transaction processing to the user's account,   wherein an open secret code and a close secret code are set in the financial transaction processing application file,   an open processing for opening the financial transaction processing application file on the condition that the financial transaction processing application authenticates an open secret code included in a financial transaction information input by a user matching with the set open secret code,   an editing processing for editing the financial transaction information to the financial transaction processing application file according to a financial transaction information from a financial transaction entity to the user account,   an approval request processing for sending approval request information whether or not approving the financial transaction information to a user terminal, and waiting for the reply of an approval information from the user terminal, and   a transmitting processing for transmitting the edited financial data in the financial transaction processing application file to the payment management system and a close processing for closing the financial transaction processing application file on the condition that the financial transaction processing application authenticates a close secret code included in the approval information input by the user matching with the set close secret code.