WO2001084391A1

WO2001084391A1 - Payment vicarious execution system and method

Info

Publication number: WO2001084391A1
Application number: PCT/JP2000/002787
Authority: WO
Inventors: Yasuyuki Yamana; Mikuni Nishikiori
Original assignee: Fujitsu Limited
Priority date: 2000-04-27
Filing date: 2000-04-27
Publication date: 2001-11-08
Also published as: AU4144100A

Abstract

Processing of demand and payment in a bill service, which satisfies an end user and realizes low-communication traffic. If each demandant unit (11) sends demand data (P1), an agent unit (12) sorts them and forms aggregated bills for every payer, and they are placed to web sites of internet or mailed to each payer (P5). In case of the internet, the payer accesses to the site by using an internet terminal (14), performs checking of total amount and approval by items on a screen, and requests a payment agent to pay (P6). In case of the mailing, if the mailed bill is a transfer card (17), the payer semi-automatically performs a request by using an ATM (15) (P7). A paid fund is remitted to an account for every payer of the payment agent and, thereafter, is sorted and remitted to an account of the demandant. The agent unit sends the remittance request to a financial agency unit (13) (P10) and, further, sends specification data for every demandant to the demandant (P10).

Description

Description Payment agent system and method

The present invention relates to a system and method for paying various fees on behalf of a payer. Background art

Currently, payments of various fees, such as utility bills, are made by automatic debit by financial institutions, by bank transfer by payers, or by cash payment requests at convenience stores. In the case of automatic account debit, the amount charged by the claimant is automatically deducted from the payer's account and credited to the claimant's account <Also, for each transfer, The payer submits the mailed transfer request form to the counter of the financial institution for payment. In order to facilitate such processing, the requester may request an agency to perform the withdrawal request business to a financial institution, or the issuance and mailing of an invoice with a transfer request form.

However, the conventional payment method described above has the following problems.

In the case of automatic account debit, the payer cannot refuse payment because the invoice is forcibly debited from the account without confirming the intention of the payer. In addition, in the case of individual transfer, each time an invoice is issued, the payer must go to a financial institution or a convenience store to perform the procedure. is there.

In addition, in each case, a receipt is issued for each payment, which makes managing many receipts complicated. Because of this, it takes time to find the required receipt There is also a problem.

On the other hand, with the spread of the Internet, it is anticipated that the amount of transfer traffic for each transaction will increase due to electronic shopping, etc., and it may be difficult for simple measures to follow a sudden increase in system load. Inevitably, there is a need for a system that can successfully suppress the increase in network traffic and satisfy the needs of end users. Disclosure of the invention

It is an object of the present invention to provide a system and a method for improving the convenience of a payer, suppressing traffic, and improving the performance of the whole system when paying various fees charged by a plurality of billers. To provide. FIG. 1 is a diagram illustrating the principle of a payment acting system according to the present invention. The payment agency system in FIG. 1 corresponds to, for example, an information processing device of a payment agency, and includes a generation unit 1, a billing unit 2, and a payment unit 3.

The generating means 1 collectively collects a plurality of billing data from a plurality of claimants and generates collective billing information. Claiming means 2 performs processing for notifying the payer of the consolidated billing information. When the payer has paid the amount of the consolidated billing information, the payment means 3 performs a process for distributing the paid amount to a plurality of claimants.

The generating means 1 automatically collects a plurality of billing data and generates collective billing information. The billing means 2 performs a process of transmitting the received collective billing information to the payer via a network and issuing a paper medium or an electronic medium on which the collective billing information is recorded. The issued media the process of the mail or the like, _t payer, which is sent to the payer, based on the received billing information, pay to financial institutions to collectively claim the total amount of more than one billing de Isseki. When notified that the payment has been made by the financial institution, the payment means 3 automatically sets the amount for each claimant corresponding to the billing data. Request the financial institution to distribute and pay the claimant.

According to such a system, the payer can receive invoices from multiple invoicers separately and make a lump-sum transfer based on the lump-sum billing information instead of separately transferring the invoiced amounts of those invoices. it can. In this case, receipts are issued in a lump, making receipt management easier. Also, unlike automatic account debit, you can choose whether to pay for individual billing items. Therefore, the convenience of the payer is greatly improved.

In addition, the transfer of each transfer is aggregated and collective transfer is performed, thereby suppressing an increase in network traffic and improving the performance of the entire system. For example, the generating means 1, the billing means 2, 'and the payment means 3 in FIG. 1 correspond to the agent device 12 in FIG. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a diagram illustrating the principle of a payment acting system according to the present invention.

Figure 2 is a block diagram of the payment agent system.

Figure 3 shows the payment agency service (1).

Figure 4 shows the payment agency service (Part 2).

FIG. 5 is a diagram showing a payment request process.

FIG. 6 is a diagram showing a first payment schedule.

FIG. 7 is a diagram showing a selection result.

FIG. 8 is a diagram showing a second payment schedule.

FIG. 9 is a diagram showing the data format of the transfer card.

FIG. 10 is a configuration diagram of the information processing apparatus.

FIG. 11 is a diagram showing a recording medium. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

In the present embodiment, a description will be given of a payment agency service in which various charges are billed Z payment is performed on behalf of the biller Z payer. In this service, the payer receives a bill in which the charges for various charges are collected from the agency, collectively checks the contents, and transfers the bill to the account of the agent in a lump. As a result, the billed amounts of various fees are automatically distributed and transferred from the agent's account to each biller's account.

Therefore, instead of receiving separate invoices with remittance invoices for various fees and paying the remittance invoices separately to a financial institution and transferring the invoices, the payer can calculate the total amount of invoices received from the agent. You can make a lump sum transfer using the transfer request form. Also, unlike automatic debit, payers can make payments based on their own will and, if necessary, refuse payments. Therefore, the convenience for payers is greatly improved.

This payment agency service can also be provided using the Internet. For example, it is provided to members of @nifty, which is a membership service on the Internet, and is performed using a transfer to an Internet bank. Payables are primarily fees charged by claimants that meet at least one of the following two conditions:

(1) Claimant who repeats billing

(2) Claimant with many billing parties (payers)

The payer will make multiple transfers to the transferee of the claimant in (1) within a certain period. On the other hand, in some cases, only one transfer is made to the transfer destination of the claimant in (2). Such claimant's fees include the following:

(1) Tax Various national taxes, local taxes, etc.

(2) Utilities

Telephone, electricity, water, gas, public broadcasting stations, universities and schools (tuition fees, etc.)

(3) Month Z Shun / annual repayment

Various loans, credit card membership fees Z payment, membership fees for various membership clubs, various insurance fees, condominium management fees Z reserve funds, rented houses Z parking rents, car / personal computer lease fees, etc.

(4) Service charge

Internet usage fee, specific telephone company, mobile phone, CATV (co-trail unity antenna television), pay satellite broadcasting, security protection, mail-order payment, various newspapers-subscription fees for magazines, etc.

The various membership clubs described above include the following:

(1) Resort club

(2) Shopping clubs (mail order, department stores, supermarkets, restaurants, shopping streets, etc.)

(3) Sports clubs (polling, tennis, swimming, golf, etc.)

(4) Sports fan club (soccer, baseball, etc.)

(5) Hobbies' Health clubs (Cultural Center, Fitness, Sana, etc.)

(6) Groups recruited by event companies such as concert halls

FIG. 2 is a configuration diagram of a payment agency system that provides such a service. The system in FIG. 2 includes a claimant device 11, an agent device 12, a financial institution device 13, an Internet terminal 14 (including a mobile phone, an interactive television, etc.), and an ATM (automatic teller machine) 15.

The claimant device 11 is a company, an organization, a membership club, This is a device of each claimant such as a credit card company. Further, the agent device 12 is a device of a billing Z payment agent, and the financial institution device 13 and the ATM 15 are devices of banks and the like that provide financial services. The Internet terminal 14 is a terminal device of a consumer of a product Z service provided by a claimant, a Z user or a member of a membership club, and these consumers, users, and members correspond to payers.

These devices are configured using, for example, a computer, and can transmit and receive necessary information via a communication network. In this payment agent system, when a claimant charges a bill to a plurality of payers, the processing is performed in the following procedure.

P 1: Send billing data for various charges

The claimant device 11 transmits the billing data of the automatic account debit or transfer to the agent device 12. Instead of transmitting the billing data, the claimant may pass the recording medium recording the billing data to the agent, and the agent may read the data into the agent device 12.

P 2: Send automatic debit request data

The agent device 12 extracts, from the received billing data, those whose payment method is automatically debited, sorts them by designated financial institution, and transmits the automatic debit request data to each financial institution device 13. Instead of transmitting the automatic debit request data, the data may be input to the financial institution device 13 via a recording medium.

P3: Automatic debit

The financial institution device 13 performs automatic debit processing between accounts based on the automatic debit request data.

P4: Automatic debit completion notification

Financial Institution Equipment 13 is Internet Banking or Farm Banking With this, the automatic debit notification data for notifying the result of the automatic debit is transmitted to the claimant device 11. Here, Internet banking refers to the transfer of financial information via the Internet, and farm banking refers to the transfer of financial information via a dedicated interface provided by financial institutions to companies and the like.

P 5 ： Sending of various bills

The agent device 12 sorts the billing data with a payment method of payer by payer, creates a collective invoice (with a transfer request form) for each payer, and sends it to the payer terminal 14 ( Network distribution). Instead of distributing the consolidated invoice over the network, it may be sent to the payer in the form of a paper medium 16 or a transfer card 17.

P6: Payment agency request

The payer specifies the billing items to be paid on the network while looking at the collective bill 16 displayed on the screen of the terminal 14 and requests the agent device 12 for payment.

P7: Transfer request for the total amount charged

Ask the financial institution equipment 13 to transfer the total amount of the consolidated invoice 16 to the agent's account via Internet banking, farm banking, ATM 15 or the window of the financial institution.

P 8: Total transfer amount

The financial institution device 13 performs a process of transferring the total amount charged from the account of the payer to the account of the agent.

P 9: Transfer notification of total billed amount

The financial institution device 13 notifies the agent device 12 of the completion of the transfer of the total billed amount by Internet banking or firm banking.

P 10: Request for sorting transfer by requester The agent device 12 sorts the total amount of the transferred charges for each requester, and requests the financial institution device 13 to make a transfer request for each requester. Furthermore, in order to supplement the contents of the transfer notice from the financial institution to the claimant, the claimant is notified of the payment details data.

P 1 1: Transfer by claimant

The financial institution device 13 performs a transfer process for each requester requested by the agent device 12.

P 1 2: Transfer payment notification to requester

The financial institution device 13 transmits the transfer receipt notification data for notifying the transfer completion to the claimant device 11 by Internet banking or firm banking.

In the processing of P6 and P7 described above, the payer can use the mailed transfer card 17 to transfer the total amount charged to the agent, instead of requesting the agent through the network.

The transfer card 17 has a magnetic stripe or IC (integrated circuit) attached to it, and the payer can insert the transfer force 17 into the ATM 15 and perform the necessary operations. Request processing to financial institution equipment 13. In this case, the financial institution apparatus 13 notifies the agent apparatus 12 that the payer has requested payment on behalf of the processing in the process of P9. Details of the processing using the transfer card 17 will be described later.

Next, referring to FIGS. 3 to 8, the processing in the case where the payer uses the payment agency service (distribution transfer agency service) via the Internet will be described in more detail. In this case, as shown in Fig. 3 and Fig. 4, the payment agency service is provided by the following procedure.

P 2 1: Application for payment agency service The payer who is an Internet member transmits an application for various fee payment service sites from the Internet terminal 14 to the agent device 12. The application data transmitted at this time includes the name of the invoicing party (payee name) of the various charges, and the name of the financial institution and account number of the applicant's (payer) account.

In addition, the applicant simplifies the application operation by selecting an item from a region-dependent menu such as a gas company or a power company according to the region displayed on the terminal 14.

The agent device 12 includes an Internet connection server 21 for operating a service site, and a farm banking terminal 22 for interfacing with the financial institution device 13. Here, the financial institution device 13 represents a set of devices of one or more financial institutions. Also, instead of the farm banking terminal 22, an Internet terminal may be used.

The server 21 receives the application data from the terminal 14 and accepts the use application. Then, it notifies the claimant device 11 of each claimant that the payer has requested the transfer of the fee, and requests periodic provision of billing data.

P22: Opening an account for an agency

Server 21 is via Internet Banking or Farm Banking. Requests the payer's designated financial institution to open an account on behalf of the applicant's payment, In the case of Farm Banking, Server 21 is Farm Banking It communicates with the financial institution device 13 via the terminal 22. According to the request from the server 21, as shown in FIG. 4, the payer a,

b,..., account D _a for _{x, D b,...} , D x are respectively provided. When this payer's account is opened, payment agency service is started.

P 2 3: Various billing

The claimant devices 11 of Company A, Company B,..., And Company X are servers 21 In response to these requests, the server sends the billing data of various fees to payers a, b,..., X to the service site of the server 21 via the Internet <P24: Various Batch notification of billing amount

The server 21 sorts the received billing data for each payer, and distributes the sorted billing details of various charges to a page of each payer as a collective bill. Each payer accesses the service site and checks the billing statement for himself.

P25: Request for payment of various fees

After confirming the billing details, each payer requests the server 21 for payment.

P 2 6: Total transfer

Each payer requests the financial institution device 13 to withdraw the amount corresponding to the total billed amount from his / her account via Internet banking and to transfer the amount to the payer account designated by the agency. For financial institutions that do not provide Internet banking services, request transfer processing from ATM15.

As a result, the payer a, b,..., X account _{_{M a, M b,..}} ., Mx or et al., Respectively, agency of account _{_{D a, D b,..}} ., To D _x, The total amount charged will be transferred.

P27: Transfer of total amount charged

The financial institution device 13 transmits the transfer notification data to the server 21 by Internet banking or firm banking.

P 28: Transfer request

The server 21 withdraws the amount from each payer's account to which the total amount has been deposited by in-house internet banking or farm banking, and distributes it to each invoicer. Then, a request is made to the financial institution device 13 for a transfer to an account in the name of the claimant. As a result, the claimant company A from each payer for the account, B Company,..., X's account _{_{S a S b,...}} , To S _x, billing of various fee is credited. In addition, Server 2 1 notifies the claimant device 11 of the payment details data in order to supplement the missing part of the transfer details data notified from the financial institution device 13 to the claimant device 11.

P29: Transfer notification

The financial institution apparatus 13 transmits the transfer statement data to the claimant apparatus 11 of each claimant by Internet banking or firm banking. In the case of firm banking, the transfer statement data is transmitted to the firm banking terminal 20 provided in the claimant device 11. The transfer details data includes the payer's membership number, transfer subject, and transfer date information.

P 30: Payment verification

Each claimant device 11 creates a payment statement 23 from the received transfer statement data _(at this time, if necessary, the payment statement data from the agent apparatus 12 is also used. The billing data is cleared by comparing it with the billing statement 24. As a result, the clearing process in the payment management of various charges is fully automated. Although the total invoice amount of the lump-sum invoice presented by is transferred as it is, it is also possible to determine whether or not the transfer can be made for each item of the invoice details and select only some of the items to make the transfer. An example of a sequence of such a payment request process is shown in the following sequence.

P31: Homepage access

The payer accesses the homepage of the service site from the terminal 14.

P32: Identity verification processing

The agent device 12 executes a procedure of identity verification processing, and requests the payer to input necessary information such as a member number and a password.

P33: Information presentation

The payer inputs the requested information from the terminal 14 and the agent device 1 2 The agent device 12 performs identity verification based on the presented information. P34: Menu display

If the confirmation result is ΔK, the agent apparatus 12 presents a menu of billing items that are candidates for processing to the payer.

Ρ 3 5: Select 'Input

The payer selects an item from the menu displayed on the screen of the terminal 14 and inputs necessary information. Here, for example, information on the payer's residence area is entered.

Ρ 36: Regionally dependent menu

The agent device 12 edits a region-dependent menu such as a gas company or a power company according to the input region and presents it to the payer.

Ρ 3 7: Select 'Input

The payer selects an item from the menu displayed on the screen of the terminal 14 and inputs necessary information. Then, the agent device 12 inquires of the related requester device 11 and the financial institution device 13 about necessary information such as whether or not the payer is scheduled to be charged in the future.

Ρ 3 8: List presentation

The agent device 12 creates a list of payment schedules based on the information obtained from the inquiries, and presents the list to the payer. Here, for example, a payment schedule as shown in FIG. 6 is displayed on the screen. This payment schedule includes a list of billing items (claimer name) and billing amounts that need to be paid within a certain period of time (for example, within one month), billing amount, commission, and required amount. ing. If the payee is another financial institution, the name of the financial institution is also added. <When displaying the payment schedule, for example, if there is an item that cannot be processed unless the payment is within a specific period, Display according to the period. Also, payment term Items that can be accepted if past due interest is paid even after the contract expires, and items that are secured by advance payment have different priorities with respect to the deadline, so the invoice amount (payment amount) column is displayed in a priority-classified form. I do. As a classification display method, a classification by color, a classification by changing lines, and the like can be considered, and a button for instructing a batch selection of items having the same priority is also displayed. Priorities are set to increase as the deadline approaches. In addition, in order to cope with suspension of payment due to termination of the contract between the payer and the claimant, an option to perform processing for excluding the billing item is provided. In this case, the exclusion of the item excluded from the billing object will be recorded and presented to the payer if necessary.

P 3 9: Transfer combination temporary input

Payer, taking into account the displayed payment period and priority, etc., to select the item to be transfer, by setting the other items in the non-selection, _t and inputs the combination of the transfer target, the agent device Instruct 1 to 2 for trial calculation. At this time, the payer can also input an instruction to stop payment to multiple claimants at once.

P40: Provision of calculation results

The agent device 12 estimates the total amount of the charge based on the input combination, edits the result, and presents it to the payer. For example, if three items, “NN reception fee”, “DD phone”, and “SS fee”, are selected in the payment schedule of FIG. 6, a trial calculation result as shown in FIG. 7 is displayed. In the payment schedule of Figure 7, only the amounts of the three selected items are displayed, and the amounts of the unselected items are not displayed.

In addition, when an instruction to stop the lump-sum payment is input, the payment agency service for the designated claimant is suspended, and the purported notice is notified to the claimant apparatus 11 of those claimants.

P41: Correction approval The payer will evaluate the displayed calculation and decide whether to modify or approve it. When correcting the trial calculation result, the payer changes the combination of the transfer objects and instructs the agent device 12 to perform the trial calculation again. Then, the agent device 12 repeats the process of P40.

When approving the trial calculation result, the payer instructs the agent device 12 to perform scheduling, and the agent device 12 schedules the account transfer process for each item of the trial calculation result.

In the processing of P38 and P40, the agent device 12 can also display a payment schedule as shown in FIG. 8 instead of the payment schedule of FIGS. The payment schedule in FIG. 8 includes the payment date and payment amount of each billing item, and furthermore, the cumulative payment amount on each payment date is displayed as a bar graph. A broken line 31 indicates a management upper limit line set by the payer or the agent device 12, and a solid line 32 indicates the current account balance of the payer.

The payer evaluates the displayed payment schedule by comparing the cumulative graph with the control upper limit line 3 1 and the account balance 3 2, and performs a correction or approval operation. According to the characteristics of the terminal 14, the total amount of the payment may be displayed as another graph or a numerical value. Regarding the method of expressing the payment schedule, the expressions in FIGS. 6 and 8 may be used in conjunction with each other, or other expressions than these expressions may be used.

In addition, if the account balance 32 is less than the total payment date on the payment date in the payment schedule approved by the payer, the agent device 12 performs a process of rebuilding the shortage and paying. In this case, for example, the management upper limit line 31 is applied as the upper limit of the total payment.

Next, with reference to FIG. 9, a description will be given of a process when the payer requests a payment proxy using the transfer force 17 of FIG. Today's ATMs usually use magnetic switches A transfer card with a tripe is used, but an IC card may be used in the future. The transfer force 17 of the present embodiment may be provided with a magnetic stripe or an IC.

FIG. 9 shows an example of the format of data recorded on the transfer card 17. The format shown in Fig. 9 corresponds to the format of a transfer card currently used by financial institutions, with additional data added. The ID mark, identification information, recipient (claimer) data, transfer requester ( payer) data, and _t include additional de Isseki

The ID mark is a fixed character, and as the identification information, for example, the following transfer card type code is set.

A: Normal transfer B: Transfer with client number C: Transfer for lump sum payment

In addition, the payee data includes the payee bank code, the payee branch code, the account, the payee account number, and the payee name. The transfer account number is the actual account number plus one check digit number (encrypted number). In this system, it is possible that someone will mail a fake transfer card to the payer and use that card to transfer the payment amount to another account, and then take the transferred amount and do not prevent this. Is added with an encryption digit.

The transfer requester data includes the requester telephone number, the requester name, the requester number, and the transfer type. For example, the following contents are set as the client number.

· Lump-sum payer code: 10 to 15 digits

• Payment date: year (6 digits) + month (2 digits)

• Divided transfer number: The number of transfers is automatically calculated so that the amount of one transfer is less than 30,000 yen (the critical amount of the current transfer fee gap), and the amount of each transfer when multiple transfer cards are issued Number

Depending on the transfer type, depending on whether the fee to be paid is all items or some items, For example, the following values are set.

0: All 1: Partial

The additional data includes the transfer card issue number, transfer amount, expiration date, commission, burden type, transfer date, transfer status, and fee type. As the transfer card issue number, a sequential number for transfer card issue management is set. This number is the same as the issue number of the consolidated invoice, and is used for investigating the history of card issuance when a trouble / error occurs and for elucidating the cause.

Also, by recording the transfer amount, the transfer requester does not need to enter the amount in the ATM, and errors in the amount are prevented. Checking the recorded expiration date can prevent expiring transfers and ensure that transfers after the deadline are banned.

Also, if the agency wants to set an exceptional fee that is not recorded in the pre-defined transfer fee table, that fee is set as a fee.

As the burden type, an identification code indicating whether the transfer fee is paid by the recipient or the client is set. When a transfer is made with the transfer card, the transfer date is written by the ATM. This transfer date information is also used for investigating the cause when a trouble Z error occurs.

As the transfer status, for example, “0” is set in a state of no transfer. When the transfer is made, "1" is set by the ATM. Therefore, checking this information will prevent double transfers. As the charge type, for example, the following type code is set. In this case, a plurality of type codes are enumerated, separated by commas _(co negation a).

0: Electricity 1: Gas 2: Telephone 3: Credit C14: Credit C25: CATV Such information is recorded, for example, on a magnetic stripe or IC of a transfer card. The operation method for a transfer card with a magnetic stripe is as follows

(1) Issuance and distribution of transfer card

The agency performs the transfer card issuing business of the financial institution and, when mailing the collective invoice to the payer, encloses the transfer card corresponding to the invoice and sends it.Therefore, the collective invoice is issued Every time a new transfer card is issued.

(2) Transfer by transfer card

1. The payer goes to the financial institution (or other ATM location) with the mailed transfer card. To transfer the total amount of all payments, read the transfer card into the ATM, check the contents of the transfer card displayed on the ATM screen, and transfer by cash or cash.

If you wish to transfer only a part of the payment expenses, correct the contents displayed on the screen with an input device such as a keypad provided at the ATM, and then make the transfer _(in this case, The transfer type, transfer amount, and charge type described above are changed on the screen,

2. When the transfer is completed, the ATM will print the transfer amount and the paid mark on the front of the transfer card. Then, the latest data is written in the items of the transfer type, transfer amount, transfer date, transfer status, and charge type on the magnetic stripe, and the transfer card is discharged.

3. The payer takes the transfer card ejected from the ATM back and keeps it. This transfer card is issued every time and sent together with the consolidated bill, so it is not usually reused.

When reusing a transfer card, the transfer card will be issued to each payer only when the first consolidated bill is issued, and thereafter, the payer will make a transfer using the same transfer card. In this case, the items marked with * for additional data in Fig. 9 should be recorded in advance. It is not necessary. Instead, the payer inserts the transfer card into the ATM and enters necessary items such as the transfer card issue number, transfer amount, and fee type from an input device such as a keypad. Then, confirm the input information on the screen and transfer the lump sum transfer amount.

In the case of an IC card transfer card, the operation method varies depending on whether or not the financial institution ATM has an IC card reader / writer function. If an ATM with an IC card reader function and no writer function is installed, the payer uses a processing device with an IC card reader / writer function to write necessary information to the transfer card. In addition, the financial institution has previously set up an ATM that can read an IC card with a data format specification as shown in Fig. 9 and perform the transfer process. The operation method in this case is as follows.

(1) Issuance and distribution of transfer card

The issuance and distribution of the transfer card is basically performed in the same way as with a magnetic stripe. However, the transfer card will only be issued when the first consolidated invoice is issued for each payer.

(2) Writing on the transfer card

The payer sets the mailed transfer card on the IC card reader Z writer of the processing device and reads the contents of the transfer card. As a result, the contents of the transfer card are displayed on the screen of the processing device. Then, the payer writes the items of the transfer type, transfer card issue number, transfer amount, and charge type shown in Fig. 9 while checking the contents of the mailed invoice. As a result, the contents of the transfer card will be changed according to the consolidated bill.

(3) Transfer by transfer card

1. The payer goes to the financial institution (or other ATM location) with the written transfer code. And read the transfer card into ATM In addition, transfer the total amount of the payment items by cash card, electronic money, or cash.

2. When the transfer is completed, the ATM adds the latest data to the items of the transfer type, transfer amount, transfer date, transfer status, and charge type of the IC card, and discharges the transfer card.

3. The payer takes the transfer card ejected from the ATM back and keeps it. This transfer card is reused every time a consolidated bill is issued.

If the ATM of the financial institution has the IC reader / writer function, the payer can use the ATM to write on the transfer card. Therefore, the processing device with the IC card reader / writer function described above is not required. Other processing procedures are the same as those described above.

According to the payment agent service described above, the payer, the claimant, and the financial institution can enjoy the following conveniences, respectively.

[Payer convenience]

(1) Advance confirmation of billing amount

The billing data collected from the claimant via the Internet is displayed on the screen in the form of a list, so that the billed amount of various charges can be easily checked. Furthermore, if the claim details display screen is displayed by pointing to the button displayed on the screen, the contents can be checked in more detail.

(2) Batch transfer of various charges

Select the payee while checking the contents of the charges on the Internet, transfer the total amount of the charges to the designated account (in the name of the agency) of various fee payment service service sites, and request the transfer of the transfer to the payee be able to. This eliminates the hassle of opening, checking, and managing individually sent billing documents each time, and eliminates the need for individual transfers. In addition, due to the need for less vaporization and related costs, Fees can be expected to decrease.

Collective invoices for various charges are mailed to payers who cannot receive electronic invoices via the Internet, freeing various inconveniences when individual invoices are mailed and the inconvenience of individual transfer Is done.

Also, by accessing the service site, a list of payment schedules can be easily obtained, making it easier to plan payments and stopping payments as necessary.

Furthermore, with this method, payment can be made after the contents of the bill have been confirmed and the user is satisfied.

(3) Paste payment history

Past payments can be stored on the service site server, and past payment status can be seen at a glance. Therefore, it is possible to easily check unpaid payments, etc., and comprehensive management of various charges becomes possible.

The service site can be used as a simple household account book because it is possible to calculate the aggregated value for each month and Z cost from the accumulated payments. In addition, the accumulated data can be used as input data for household account book software. In addition, if you need a tax return receipt to the tax office, you can receive a one-year receipt mail service by specifying expenses. This eliminates the need to store receipts and saves you from having to search for receipts.

(4) Prevent payment forgetting

Once a year, dues and mail-order payments can be forgotten by leaving the mailed invoice as it is, but this kind of forgetting of payment can be prevented.

(5) Omission of procedures

If you use this service for a new kind of payment fee newly generated, automatic debit There is no need to submit a request form to a financial institution.

[Convenience of claimant]

(1) Reduction of office work

Eliminates the need to request payers and financial institutions for automatic debit procedures, reducing administrative workload.

(2) Cost reduction

The processing cost is lower than when the payer makes a transfer at the counter of a financial institution. In addition, since the net transfer fee is lower than the credit card fee, switching from credit card payment to transfer reduces the settlement processing cost. In other words, it is possible to reduce the cost of processing payments from creditworthy payers.

[Convenience of financial institutions]

The number of payments that are not automatically debited through the counter is reduced, and the administrative work at the counter is reduced. In particular, Internet banks have the following advantages.

(1) The number of automatic withdrawals will decrease, and the processing and work for automatic withdrawals will decrease.

(2) The number of post-processes due to insufficient balance at the time of automatic debit is reduced, and the amount of office work is reduced.

(3) The number of requests for automatic debit procedures will be reduced, and the amount of administrative work for automatic debit procedures will be reduced.

By the way, the claimant device 11, the agent device 12, the financial institution device 13, the Internet terminal 14 and the ATM 15 in FIG. 2 are configured using, for example, an information processing device (computer) as shown in FIG. can do. The information processing device shown in FIG. 10 includes a CPU (central processing unit) 41, a memory 42, an input device 43, an output device 44, an external storage device 45, a medium drive device 46, and a network connection device 47, which are connected to a bus 48. Are connected to each other. The memory 42 includes, for example, a ROM (read only memory), a RAM (random access memory) and the like, and stores programs and data used for processing. The CPU 41 performs necessary processing by executing a program using the memory 42.

The input device 43 is, for example, a keyboard, a pointing device, a touch panel, or the like, and is used for inputting instructions and information from an operator (claimer, agent, financial institution, or payer). The output device 44 is, for example, a display, a printer, a speaker, or the like, and is used for inquiring an operator or outputting a processing result.

The external storage device 45 is, for example, a magnetic disk device, an optical disk device, a magneto-optical disk device, a tape device, or the like. The information processing device stores the above-described program and data in the external storage device 45, and uses them by loading them into the memory 42 as necessary.

The medium driving device 46 drives the portable recording medium 49 and accesses the recorded contents. Portable recording media 49 include memory cards, floppy disks, CDs-ROM (compact disk read only memory), optical disks, magneto-optical disks, and any computer-readable recording media such as magnetic cards and IC cards. Is used. The operator stores the above-described program and data in the portable recording medium 49, and uses them by loading them into the memory 42 as necessary. The network connection device 47 is connected to an arbitrary communication network such as the Internet and performs data conversion accompanying communication with another device. Further, the information processing device receives the above-mentioned program and data from another device via the network connection device 47, and loads and uses them in the memory 42 as necessary.

FIG. 11 shows a computer-readable recording medium capable of supplying a program and data to the information processing apparatus of FIG. Portable recording media 49 The programs and data stored in the external device 50 are stored in the memory 42. Then, the CPU 41 executes the program using the data, and performs necessary processing. Industrial applicability

ADVANTAGE OF THE INVENTION According to this invention, when paying various fees charged by a plurality of claimants, collective billing and collective payment become possible, and the convenience of the payer is improved. In addition, by consolidating the payments for each transaction and paying in a lump-sum form, traffic can be curbed and the overall system performance can be improved.

Claims

The scope of the claims

1. A generating means for collecting a plurality of billing data from a plurality of claimants to generate consolidated billing information;

Means for performing processing for notifying a payer of the collective billing information; and, when the payer has paid the amount of the collective billing information, for distributing the paid amount to the plurality of claimants. Payment means to process

A payment agency system comprising:

2. The billing means includes means for transmitting the collective billing information to the payer's terminal via a network, and the payment means receiving a payment agency request from the terminal via the network. The payment agency system according to claim 1, comprising:

3. The billing means includes means for issuing a transfer card in which the collective billing information is recorded to the payer, wherein the payment means performs the transfer based on the transfer using the transfer card. The payment agency system according to claim 1, wherein the payment agency system performs processing.

4. The billing means provides the payer with information for selecting one or more billing data from the plurality of billing data, and the paying means pays by the payer. 2. The payment agency system according to claim 1, wherein a process for distributing the amount to a claimant corresponding to the selected billing data is performed.

5. The payment surrogate system according to claim 4, wherein the requesting means provides a trial calculation result of a combination of transfer target items as the information for selecting.

6. The payment method according to claim 1, wherein the payment unit performs a process for stopping payment corresponding to at least a part of the plurality of billing processes based on an instruction from the payer. Payment agent system.

7. The payment agent according to claim 1, wherein the billing means provides the payer with payment schedule information for comparing the total payment amount with the account balance of the payer. system.

8. The payment agency system according to claim 1, wherein the payment means performs a process for rebuilding and paying for a shortage when the account balance of the payer is less than a payment amount.

9. A recording medium recording a program for a computer, wherein the program comprises:

A process of notifying the payer of consolidated billing information that summarizes multiple billing data from multiple claimants;

When the payer has paid the amount of the consolidated billing information, a process for distributing the paid amount to the plurality of claimants is performed.

A computer-readable recording medium that is executed by the computer.

1 0. Receive multiple claim data from multiple claimants,

Automatically summarizing the plurality of billing data, generating consolidated billing information, notifying the payer of the consolidated billing information,

When the payer has paid the amount of the consolidated billing information, the paid amount is automatically distributed to the plurality of claimants and paid.

A payment agency method characterized by the above-mentioned.