JP2002183460A - Payment receiving system and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment receiving system and its method allowing payment to a payment receiver at home, for example, when not carrying any cash in hand. SOLUTION: A bill issuing company issues a bill to a user to inform an amount of charge and a payment code (1). The user inputs the payment code and the payment amount described on the bill from a user terminal 100 to instructs payment and inputs a payment account and a personal identification number for this account to instructs disbursement (2). A bank system 200 disburses the payment on the basis of the payment instruction and the disbursement instruction and transfers it to a custody account inside the bank to hold it (3), and informs the bill issuing company that the payment charged by the company is already received (4). The bank system 200 transfers the held payment for the charge from the custody account inside the bank to the account of the bill issuing company (6).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for a user to pay for a bill sent from a company or the like to the user.

[0002]

2. Description of the Related Art Conventionally, payment of a bill for a bill sent from a company or the like to a user is mainly performed by requesting a bank to deposit a predetermined amount in a bank account of the bill issuing company.
A common method is to use a bank transfer. Means for requesting a bank transfer include a bank contact and a telephone, as well as an ATM as disclosed in Japanese Patent Application Laid-Open No. H10-328836.
Various means have been used, such as those using terminals, those using the Internet as disclosed in Japanese Patent Application Laid-Open No. 08-527188, and those using mobile communication terminals.

[0003]

However, in such a payment by bank transfer, a process of bank transfer is a process in which a request from the transfer requester to deliver the amount specified by the transfer requester to the recipient's account is sent to the bank. Therefore, various problems have arisen as follows.

[0004] (1) First, the time zone in which the bank processes the transfer request from the transfer requester is limited to the business hours of the banking business day. However, the bank may actually process the transfer request after the next day, for example. For this reason, there was a problem that the actual payment was delayed and the deadline was overtaken even though the bank had requested the transfer by the transfer date.

[0005] (2) Also, when the bank performs the transfer process,
For the transferee, the payment will be completed only after the payment to the receiver's account is made, so if the transfer to the receiver's account takes a long time due to queues, etc. There is a problem that it takes a certain amount of time before the recipient confirms the payment from the client.

(3) Further, even if the transfer requester specifies an amount different from the amount charged by the receiver,
The bank is obliged to deposit the amount specified by the transfer requester into the recipient's account based on the transfer request of the transfer requester. For this reason, for example, even if the transfer requester pays for a claim that cannot be reduced, such as various examination fees, the payee will be charged an amount less than the billed amount, There was a problem that an extra administrative burden was imposed on the recipient.

[0007] In view of such a problem, there is a method of paying a bill issued by a specific company at a store such as a convenience store which has a storage agent contract with the bill issuing company. It is becoming.
For example, Japanese Patent Application Laid-Open No. H11-66212 discloses a technology for collecting a mail-order business paid by a customer at a convenience store over a simple procedure. While such a method has the advantage that there is no restriction on the payment time and that payment of an amount other than the billed amount is not accepted, be sure to bring the invoice and the required amount of cash to the convenience store There was a problem that you could not pay the bill without going.

[0008] As described above, there are advantages and disadvantages in the payment method using a bank or a convenience store. For this reason, there is a demand for a payment method that allows payment to a payment receiver who has issued an invoice from home, for example, without actually having cash.

SUMMARY OF THE INVENTION In view of the above problems, it is an object of the present invention to provide a payment storage system, a terminal, and a banking system that can pay a payment to a payment recipient from home, for example, without having cash. Is to provide.

[0010] Another object of the present invention is to provide a program capable of realizing payment to a receiver from a house or the like without having cash for each of the terminal and the bank system. To provide.

[0011] It is still another object of the present invention to use the payment storage system, the terminal, and the bank system to pay a payment to a receiver from home, for example, even if they do not have cash. It is an object of the present invention to provide a method for storing money.

[0012]

In order to achieve the above object, according to the first aspect of the present invention, a bank system and a terminal are connected to a communication network to manage a bank account of a depositor. Through the bank system, in a payment storage system for performing payment of a payment to a receiver from the terminal, a payment storage contract for receiving the payment for the receiver on behalf of the terminal is made in advance between a bank and the receiver. The terminal includes first input means for inputting a payment instruction including at least the amount of payment, and second input means for inputting a withdrawal instruction including information for specifying at least the bank account of the payer. The bank system may further include a payment instruction input from a first input unit of the terminal and a withdrawal instruction input from a second input unit of the terminal, for payment of the payment to the recipient. A storage unit for storing and paying out the payment amount from the payer's bank account on the bank system based on the payment instruction and the withdrawal instruction stored in the storage unit, The payment storage system includes a payment means for depositing money in a bank account.

According to a second aspect of the present invention, in the payment storage system according to the first aspect, the payment instruction input from the first input means of the terminal includes a payment code, and the bank system includes the payment system. A verification means for verifying the input content of the payment instruction based on a code is further provided.

According to a third aspect of the present invention, in the payment storage system according to the first aspect, the depositing means stores the payment amount paid out from the bank account of the payer in a deposit account on the bank system. After depositing and holding for a predetermined period, withdrawing from the deposit account and depositing into the recipient's bank account.

According to a fourth aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment to the receiver is made through the bank system for managing a bank account of a depositor. In the terminal in the payment storage system performed from the terminal, a payment storage contract for receiving the payment for the payee on behalf of the terminal has been previously concluded between a bank and the payee, and a payment instruction including at least a payment amount is input. 1 input means, and second input means for inputting a withdrawal instruction including information indicating at least the bank account of the payer, wherein the bank system is inputted from the first input means of the terminal. The payment instruction and the withdrawal instruction input from the second input means of the terminal are regarded as payment of the payment to the receiver and stored in the bank system. On the basis of payment instructions and payment instructions,
It is a terminal that withdraws the payment amount from the payer's bank account on the bank system and deposits the payment amount into the payee's bank account.

According to a fifth aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment of a payment to a recipient is made through the bank system for managing a bank account of a depositor. In a banking system in a payment receiving system performed from a terminal, a payment receiving contract for receiving the payment for the payee on behalf of the terminal is preliminarily concluded between a bank and the payee, and a payment including at least a payment amount is received from the terminal. An instruction and a withdrawal instruction including at least information indicating the bank account of the payer are input, and the input payment instruction and the withdrawal instruction are stored as the payment to the recipient. Means for withdrawing the payment amount from a bank account of the payer on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means; Characterized in that it is a banking system and a payment means for payment to the bank account Tohito.

According to a sixth aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment of a payment to a recipient is made through the bank system for managing a bank account of a depositor. In a program executed by a terminal in a payment storage system performed from a terminal, a payment storage contract for receiving the payment for the payee on behalf of the terminal has been previously concluded between a bank and the payee, and a payment instruction including at least a payment amount. And a second step of inputting a withdrawal instruction including at least information indicating the payer's bank account, wherein the banking system includes a payment input by the first step. The instruction and the withdrawal instruction input in the second step are regarded as payment to the receiver and stored in the banking system. A program for withdrawing the payment amount from the payer's bank account on the bank system based on the stored payment instruction and withdrawal instruction, and depositing the payment amount into the payee's bank account. I do.

According to a seventh aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment of a payment to a recipient is made through the bank system for managing a bank account of a depositor. In the program executed in the bank system in the payment storage system performed from the terminal,
A payment receipt contract for receiving the payment for the payee on behalf of the bank has been concluded in advance between the bank and the payee, and from the terminal, a payment instruction including at least the payment amount, and at least a bank account of the payer. A withdrawal instruction including information indicating the payment instruction, and storing the inputted payment instruction and the withdrawal instruction as payment of the price to the recipient, and storing the payment instruction stored in the storage means. And withdrawing the payment amount from the payer's bank account on the bank system based on the withdrawal instruction, and depositing the payment amount into the payee's bank account. I do.

According to an eighth aspect of the present invention, there is provided a recording medium storing the program according to the sixth or seventh aspect.

According to a ninth aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment of a payment to a recipient is made through the bank system for managing a bank account of a depositor. In a method for storing a payment paid to the recipient by using a terminal in a payment storage system performed from a terminal, a payment receiving contract for receiving the payment for the recipient on behalf of the terminal is previously concluded between a bank and the recipient. A first step of inputting a payment instruction including at least a payment amount, and a second step of inputting a withdrawal instruction including information indicating at least a bank account of the payer.
The bank system considers the payment instruction input in the first step and the withdrawal instruction input in the second step as payment to the payee. A payment that is internally stored, withdraws the payment amount from the payer's bank account on the bank system based on the stored payment instructions and withdrawal instructions, and deposits the payment with the payee's bank account. It is a storage method.

According to a tenth aspect of the present invention, a bank system and a terminal are connected to a communication network, and the payment to the receiver is made through the bank system for managing a bank account of a depositor. In a method for storing a payment paid to the recipient by using a bank system in a payment storage system performed from a terminal, a payment storage contract for receiving the payment for the recipient on behalf of a bank between the bank and the recipient. Has been concluded in advance, from the terminal,
A payment instruction including at least a payment amount and a withdrawal instruction including at least information indicating a bank account of the payer are input, and the input payment instruction and the withdrawal instruction are paid to the payee. Deeming the payment amount from the bank account of the payer on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means, and And a step of depositing money into a bank account.

[0022]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 shows an example of a system configuration of a money storage system according to the present invention. The payment storage system includes a user terminal 100, a bank system 200, and a company system 300, and these devices are connected to a communication network 500 such as the Internet.
It is connected to the.

The user terminal 100 is a terminal used by a user who intends to pay the bill, and any terminal that can instruct the bank system 200 to pay the payment via the communication network 500. Alternatively, the terminal may be a terminal owned by an individual user or a terminal installed at a specific place such as a bank store. As a device of the user terminal 100, browser software (for example, Internet Explorer (trademark) of Microsoft Corporation, Netscape (trademark of Netscape Communication Corporation), which can browse web information (information defined by a markup language document such as an HTML document). Trademark)), a commercially available personal computer, PDA (Pers
onal Data Assistance), telephones,
Any of a paging terminal, a PHS terminal, and a mobile communication terminal may be used. In particular, the mobile communication terminal may be a terminal having an e-mail function or an Internet access function (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc.). .

The bank system 200 includes a sales office system 210 having an ATM 215 and the like and a bank computer system (hereinafter abbreviated as "bank computer center").
220. The bank computer center 220
A communication control device 230 that controls communication for transmitting and receiving information to and from the outside via the communication network 500; a server 240 that stores a charge storage program described later and various data such as a payment code required by the charge storage program; Is provided.

The server 240 has a main control unit (hereinafter referred to as “CP”).
U ”), a hard disk, a RAM, and a display. The CPU executes a price storage program described later, withdraws an amount equivalent to the payment from the user's account, and performs processing such as depositing the account into the account of the bill issuing company. The hard disk operates a money storage program executed by the CPU as shown in FIG. 6, a company code assigned to a company that has concluded a contract with the bank for use of the money storage system, verification numerical value generation logic, and the balance of the user's account. In this case, a personal identification number and the like that are required at that time are stored.
Instead of a hard disk, a flexible disk or a magneto-optical disk may be used. The RAM temporarily stores input / output data when the CPU executes the payment storing program. The display is used by the bank to monitor the processing result of the payment storing program executed by the CPU and the like.

The server 240 configured as described above withdraws the payment amount from the user's holding account based on an instruction from the user, holds the payment amount in the bank deposit account, and then holds the account held by the company that issued the bill. It has a function to deposit money.

The corporate system 300 is a computer or a processing device used by the payee who issued the bill.
From 0, a stored notification indicating that the bill has been paid is received. As the corporate system 300, in addition to the host computer, browser software (for example, Internet Explorer (trademark) of Microsoft Corporation, Netscape Communications Company) that can browse Web information (information defined by a markup language document such as an HTML document) Netscape (trademark) etc.)
PDA (PeP)
rsonal Data Assistance), a telephone, a wireless calling terminal, a PHS terminal, or a mobile communication terminal.

The communication network 500 includes the user terminal 1
00, the bank system 200 and the enterprise system 300 are mutually connected. As the communication network 500, for example, the Internet, an intranet, a LAN (Local
Area Network), public telephone network (including both analog and digital), PDC / PDC-P / W-CDM
Any communication network such as a mobile communication circuit switching network / mobile communication packet switching network of the A type, a radio paging network, a PHS network, a satellite communication network, or the like can be used.

FIG. 2 shows an example of the flow of processing in a case where a personal computer is used as the user terminal 100 and a bill is paid through a bill storage system. Processing (1) First, the company issues an invoice to the user who purchased the product or received the service,
The user is notified of the billing amount and a payment code described later.

Processing (2) Next, the user enters the user terminal 1
From 00 to the banking system 200 via the communication network 500 to pay the billing company,
Send a payment request to the effect that you want to use the payment storage system. When receiving the payment request from the user terminal 100, the server 240 of the bank system 200 transmits information for a payment instruction input screen as shown in FIG.

On the payment instruction input screen (FIG. 3), the above processing is displayed.
Since there is provided a payment code input field 3a for inputting a payment code described in the invoice sent from the company in (1) and a payment amount input field 3b for inputting a payment amount as a billing amount. The user inputs the payment code and the payment price from here, and operates the "confirm" button 3c to instruct the bank system 200 to pay.

When the payment instruction is received from the user terminal 100, the server 240 in the bank system 200 checks the validity of the payment instruction in accordance with the procedure shown in FIG. After confirming the validity of the payment instruction, the server 240 transmits to the user terminal 100 information for a withdrawal instruction input screen as shown in FIG. The withdrawal instruction input screen (FIG. 4) includes an account designation column 4a for designating an account for withdrawing the payment amount, and a password registered in advance in the bank system 200 for the operation on the balance in the account. Since a password input field 4b for inputting a number is provided, the user designates a withdrawal account, inputs a password, and a "confirm" button 4c.
Is operated to instruct the bank system 200 to withdraw money.

Process (3) The bank system 200 withdraws the payment from the withdrawal account specified by the user based on the payment instruction and the withdrawal instruction received from the user terminal 100 in the above-mentioned process (2). . The withdrawal payment is immediately transferred to a bank account, such as a separate deposit,
Keep in custody account. Since the bank stores payments on behalf of the invoicing company as the payee, the payment from the payer to the payee is made by the bank system 200 by paying the payment from the withdrawal account specified by the user. Complete when you withdraw money. At this time, in order to transfer the payment from the withdrawal account specified by the user, for example, a process of transferring the payment from the withdrawal account specified by the user to a separate deposit of the former bank through the head office account The banking system 200
Runs.

Processing (4) When the payment amount withdrawn from the withdrawal account specified by the user is replaced with the deposit account in the bank, the bank system 200 sends a bill to the company system 300 of the company that issued the bill. Notify that the paid price has been stored. This stored notification may be performed each time the payment price is transferred to the bank deposit account, or may be performed once or more than once a day.

Process (5) In the bank system 200, it is determined whether or not the payment amount withdrawn from the withdrawal account designated by the user in the deposit account at regular intervals such as daily or weekly. To check. If so, the banking system 200 is used to settle the outsourcing results regarding the “accommodation of payments on behalf” between the invoicing company that is the recipient and the bank that is the recipient's agent. Deposit the stored payment from the deposit account in to the account of the invoicing company. Payment to the account of the invoicing company may be made each time the payment for the bank account is transferred, may be made once or more times a day, or may be made once every few days. . Further, when the account of the invoicing company is in another bank, payment may be made by transfer.

Next, referring to FIG.
Will be described. The user can use the bank system
0, a payment request is sent from the user terminal 100 (S
100). Then, the information for the payment instruction input screen is transmitted from the bank system 200 to the user terminal 100. When the user terminal 100 receives the information for the payment instruction input screen, the CPU of the user terminal 100 displays the above-described payment instruction input screen (FIG. 3) on the display screen. On the payment instruction input screen (FIG. 3), a payment code input field 3a for inputting a payment code described in the invoice sent from the invoicing company, and a payment for inputting a payment amount as a billing amount. Since the money input box 3b is provided,
The user enters the payment code and payment price from here,
By operating the "confirm" button 3c, a payment instruction is issued to the bank system 200 (S110 to S116).

Next, the user terminal 100 is connected to the bank system 20.
When receiving the information for the dispensing instruction input screen from 0, the CPU of the user terminal 100 displays the above-described dispensing instruction input screen (FIG. 4) on the display screen. Withdrawal instruction input screen (Fig. 4)
Includes an account designation field 4a for designating an account for withdrawing the payment amount, and a bank system 2 for operations on the balance in the account.
Since there is provided a password input field 4b for inputting a password registered in advance for 00, the user designates a withdrawal account, inputs a password, and clicks "Confirm".
By operating the button 4c, the bank system 200 is operated.
(S120-S126).

Next, referring to FIG.
The operation of the server 240 within 0 will be described. When receiving the payment request from the user terminal 100, the CPU of the server 240 transmits information for the payment instruction input screen to the user terminal 100 (S200 to S205).

Next, when a payment instruction is received from the user terminal 100, the CPU of the server 240 checks the validity of the received payment instruction according to the procedure shown in FIG. When the validity of the payment instruction received from the user terminal 100 is confirmed, the CPU of the server 240 transmits to the user terminal 100 information for a withdrawal instruction input screen.
When the validity of the payment instruction cannot be confirmed, the CPU of the server 240 transmits error information indicating that there is an error in the payment instruction to the user terminal 100 (S210 to 217).

When receiving the dispensing instruction from the user terminal 100, the CPU of the server 240 checks the information such as the personal identification number included in the dispensing instruction with the personal identification number stored in the hard disk and performs an authentication process. User terminal 100
If the user can successfully authenticate the withdrawal account specified by the user based on the withdrawal instruction received from the user, withdraw the amount corresponding to the payment included in the payment instruction from the withdrawal account ( S230 to S236).

The CPU of the server 240 transfers the amount paid from the withdrawal account to the deposit account. Then, the invoice issuing company, which is the recipient, is notified of the fact that the billed amount has been stored, and the amount of money held in the deposit account is deposited in the account of the invoice issuing company (S).
240-S260).

Next, the procedure of the validity check performed by the server 240 in the bank system 200 in the above process (2) will be described with reference to FIG.

First, a description will be given of a payment code required when paying a payment using the payment storage system.
When sending a bill to a user, the company that issues the bill generates a payment code described below for each user, writes the payment code on the bill along with information such as the amount charged to the user, and notifies the user.

The payment code is a code including a company code, a payer code, and a verification value. The company code is a code uniquely assigned by the bank to a company that has concluded a contract with the bank in order to use the payment storage system in collecting the bill. The company code is
For example, it is conceivable to generate a three-digit alphabet desired by a company and a four-digit verification numerical value for specifying the company. The company that signed the contract with the bank is, for example, a gas company, and the gas company has notified the bank that they wish to use the three-digit alphabet "GAS" in the header of the company code, and has verified numerical logic held in the bank. , A 4-digit verification number in the header portion, "156
4), the company code of the gas company is "GA
S-1564 ".

The payer code is a code given by the bill issuing company to a user who pays the amount charged by the bill issuing company as the payee. As the payer code, for example, it is conceivable that the payer code is generated by a number of about eight digits. By using about eight digits for the payment code, it is possible to deal with about 100 million users. As the payer code, for example, “123456”
78 ".

The verification numerical value is a numerical value required for checking the validity of the payment instruction mentioned in the above process (2). The information such as the payer code and the amount charged to the user is transmitted to the payee. It is a numerical value of several digits using the verification numerical logic published by the bank for the invoicing company. When the payer code “12345678” is quantified using the verification numerical logic, the verification numerical value is “34”, and when the amount charged to the user “5000 yen” is quantified, the verification numerical value is “56”, etc. Becomes

The payment code when the recipient having the company code "GAS-1564" charges the user having the payer code "12345678" for the gas charge "5000 yen" is as follows. The payer code verification value is "34", the billing amount verification value is "56", and the payment code is stored in the order of company code, payer code, payer code verification value, and billing amount verification value. Then, the payment code written on the invoice is “GAS-15
64-12345678-34-56 ". However, the number of digits and the storage order of the company code, the payer code, the verification value, and the like in the payment code can be determined as appropriate between the bank and the billing company that is the recipient.

Next, the procedure of the validity check performed by the server 240 will be described. When a payment request from the user terminal 100 is received, a payment storage program stored in a hard disk in the server 240 starts. Thereby, the CPU performs the following processing.

When the payment code input from the payment instruction input screen (FIG. 3) displayed on the user terminal 100 is accepted, the CPU takes out the company code, the payer code, and the verification value from the payment codes, and Store in RAM. By deciding the arrangement method and the number of digits of the company code, the payer code, and the verification numerical value in advance, each code can be easily extracted (S300-S305).

Next, when the payment amount is received from the user terminal 100, the CPU performs verification numerical logic on each numerical value of the company code, the payer code, and the payment amount, and calculates the verification numerical value. (S310-S315).

Then, the calculated verification numerical value and the verification numerical value extracted from the payment code are compared to confirm that they match. If they match, the validity of the payment instruction from the user terminal 100 has been confirmed. If they do not match, the validity of the payment instruction from the user terminal 100 is denied, and the user cannot pay for the bill using the payment storage system. In this case, since the company code itself includes the verification numerical value, a more accurate validity check is performed (S3).
20-S326).

Next, another embodiment will be described. (1) In the above-described embodiment, the payment code indicates a company code including a three-digit alphabet and a verification number of about four digits, a payer code including a number of about eight digits, a payer code and a payment amount. The case of generating from about 19 digits including a verification numerical value consisting of about two digits each has been described as an example, but the present invention is not limited to this case. In another embodiment, the number of digits may be changed in consideration of the number of users in each company. It is also conceivable to include the payment amount in the payment code.

(2) In the above-described embodiment, it has been described that the payment code includes the company code, the payer code, and the verification value, but the present invention is not limited to this case. The payment amount can also be included in the payment code. By doing so, the input check of the payment amount can be performed without depending only on the verification numerical value, so that the input validity of the payment amount can be confirmed more accurately.

(3) In the embodiment described above, the case where the payment is stored using one payment code has been described as an example, but the present invention is not limited to this case. In other embodiments, it is conceivable to split the payment code into several parts so that the user can enter a short payment code. For example, "G
AS-1564-12345678-34-56 ", the 19-digit payment code is divided into two, one payment code is a company code" GAS-1564 ", and the other payment code is a payer code, a payment code, Including "12345678-34-5"
6 ", and the user may input these two payment codes individually. This is to prevent an erroneous input caused by having the user input a payment code as long as 19 digits at a time. At this time, there may be various variations regarding the number of payment codes to be divided, what information is included in each of the divided short payment codes, and whether or not the user is to input. Needless to say.

(4) In the above embodiment,
The present invention has been described by taking as an example a case where the user inputs the payment instruction and the withdrawal instruction from the user terminal 100 in the order of the payment code, the payment amount, the designation of the withdrawal account, and the password of the withdrawal account. Is not limited to this case. In another embodiment, the input order is changed,
The user may be required to input in order of designation of a withdrawal account, payment amount, payment code, and personal identification number. further,
If the payment code includes the payment amount, the bank system 20 is not required to input the payment amount again.
It is also conceivable that the payment amount information is displayed on the display screen of the user terminal 100 from 0 and the user confirms the amount, so that the payment amount is input. In addition, when the payer makes an entry using his or her personal computer, etc., it is necessary to make a contract with the bank in advance and negotiate a password for communication, etc. You can also omit the specification of the withdrawal account by inputting an appropriate one. As described above, if information necessary for a payment instruction and a withdrawal instruction, such as a payment code and information for specifying a withdrawal account, can be transmitted to the bank system 200, an input procedure for inputting these information from the user terminal 100 will be described. It is also conceivable that the user replaces them and makes the user input.

(5) In the above-described embodiment, as a means for inputting a payment instruction, a payment instruction input screen (FIG. 3) provided with a payment code input field 3a and a payment amount input field 3b on one screen. Although the case of using is described as an example, the present invention is not limited to this case. In another embodiment, the means for inputting the payment instruction may be constituted by a plurality of input screens, and may be input by the user. For example,
First, a payment code is input from a screen having only a payment code input field, and after the user confirms the input content, a screen for inputting a payment amount is displayed on the user terminal 100,
It is possible to input the payment amount.

(6) In the above-described embodiment, the case where the user terminal 100 issues a payment instruction and a withdrawal instruction to the bank system 200 and pays the payment price is described as an example. It is not limited. In another embodiment, A in the banking system 200
It is conceivable that the user issues a payment instruction and a withdrawal instruction to the bank computer center 220 from the TM terminal 215. In this case, a screen such as a payment instruction input screen (FIG. 3) is displayed on the display screen of the ATM terminal 215 to input a payment instruction, and a screen such as a withdrawal instruction input screen (FIG. 4) is displayed. It is conceivable to input a withdrawal instruction.

(7) In the above-described embodiment, the payment amount is withdrawn from the withdrawal account specified by the user, the bank temporarily deposits the amount into the deposit account, and then the account is held by the invoicing company. The case where payment to the invoicing company is performed by depositing the amount is described as an example,
The present invention is not limited to this case. In another embodiment, it is conceivable that the user operates the ATM terminal 215 to deposit cash corresponding to the payment amount from the ATM terminal 215 and pay the billing company.

(8) In the above-described embodiment, when the user pays the bill by using the bill storage system, the user can use the payment instruction input screen (FIG. 3) to display the billing form. Although the case where the payment code and the payment amount described above are input has been described as an example, the present invention is not limited to this case. In another embodiment, a payment code or a barcode indicating a payment amount is described on an invoice sent to the user, and the barcode is read by the user terminal 100 including a reading device capable of reading the barcode. By doing so, it is conceivable to simplify the input of the payment code and the payment amount.

(9) In the above-described embodiment, an example will be described in which a payment is made to a billing company based on information such as a payment code written on a bill previously sent to the user. Although described, the invention is not limited to this case. In other embodiments,
For example, it is conceivable to use a price storage system as an alternative to payment of a product price using a debit card.

Specifically, a procedure as shown in FIG. 8 can be considered. First, when selling a product to a user, a payment code is generated for the user at a store or the like that sells the product (S1). The user uses the user terminal 100 such as a mobile communication terminal held by the user at a store or the like based on the payment code, and requests the bank system 200 to make a payment request, payment instruction, withdrawal instruction, or the like. (S2). The bank system 200 withdraws the product price from the withdrawal account specified by the user based on the payment request, the payment instruction, the withdrawal instruction, and the like received from the user terminal 100,
Transfer to a custody account in the bank (S3). The store confirms receipt of the product price by receiving the stored notification transmitted from the bank system 200 (S4), and then delivers the product to the user (S5). In the banking system 200, the amount corresponding to the commodity price is appropriately transferred from the deposit account in the bank to the account held by the store (S6).

[0062] In this way, even if the terminal for the debit card payment is not placed at the store, the information such as the payment amount, the order number, and the information about whether or not the payment from the bank can be performed in the same manner as the payment by the debit card. Since it is available, it is possible to sell goods or provide services to users who do not have cash. In addition, since it is sufficient for the user to input all payment or withdrawal information, such as information on a withdrawal account and a personal identification number, using a terminal held by the user, information such as a personal identification number is externally provided. Leakage can be prevented. Further, misuse of card information caused by inserting a debit card into a debit card settlement terminal installed at the store can be prevented.

(10) It is also conceivable to use a payment method using a price storage system for mail-order sales by cash-on-delivery, etc., and to deliver the product after confirming that the user has already paid for the product. Specifically, a procedure as shown in FIG. 9 can be considered. First, when delivering a product to a user, a payment code generated at a delivery center of a shipping company or the like is presented to the user at the time of product delivery together with a bill for the product price (S1). The user uses the user terminal 100 such as a telephone at home based on the payment code to request the bank system 200 to make a payment request, pay instruction,
A withdrawal instruction is performed (S2). The bank system 200 withdraws the product price from the withdrawal account specified by the user based on the payment request, the payment instruction, the withdrawal instruction, and the like received from the user terminal 100, and transfers the product to a deposit account in the bank.
(S3). The transportation company confirms receipt of the commodity price from the user by receiving the stored notification transmitted from the bank system 200 (S4). Then, the user notifies the delivery person who delivers the product that the payment for the delivery product has been completed (S5). The deliverer who has received the notification from the shipping company that the user has paid the commodity price then delivers the commodity to the user (S6). In the banking system 200, an amount equivalent to the price of the delivery product is appropriately transferred from a deposit account in the bank to an account held by the shipping company (S7). By doing so, the user can receive the delivered product even if he does not have cash at hand, and the delivery company can be released from the work related to cash transfer.

As described above, in this embodiment,
It is assumed that the payment amount is withdrawn from the account designated by the user via the telephone, the Internet, the mobile communication terminal, etc., and the billing amount is paid to the billing company. Without actually going to a bank counter or a convenience store with the cash, the payment to the receiver can be made from, for example, a home without having the cash. Also, since the bank is to receive the payment on behalf of the payee, the payment is completed when the billed amount is withdrawn from the user's account without requiring a certain time for processing as in the conventional transfer process As a result, it is possible to prevent troubles caused by the processing time.

Further, after confirming the payer code and the payment amount, the billing amount is withdrawn from the withdrawal account designated by the user, and is deposited into the account of the company that issued the bill. Can identify the payer and exclude payments other than billing charges. As a result, for example, a company that wants to collect an amount that cannot be reduced, such as a public utility fee or various examination fees, can avoid having to accept a deposit with an amount other than the amount charged. As described above, it is possible to avoid the work of extracting payments other than the amount of billing and making a request for the shortage, thereby significantly reducing the burden on the office.

[0066]

As described above, according to the first to seventh aspects of the present invention, even if the user does not have cash, the payment can be made to the receiver from home, for example. it can.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an example of a system configuration of a payment storage system.

FIG. 2 is a diagram showing an example of a processing flow when paying a bill through a money storage system.

FIG. 3 is a diagram showing an example of a payment instruction input screen.

FIG. 4 is a diagram showing an example of a dispensing instruction input screen.

FIG. 5 is a flowchart illustrating an example of an operation of the user terminal.

FIG. 6 is a flowchart illustrating an example of the operation of the server.

FIG. 7 is a diagram illustrating an example of a procedure of a validity check in a server.

FIG. 8 is a diagram showing an example of a processing flow in a case where a price storage system is used for payment of a product price using a debit card.

FIG. 9 is a diagram showing an example of a processing flow in a case where a price storage system is used for payment of a product price in mail order or the like by cash on delivery.

[Explanation of symbols]

 REFERENCE SIGNS LIST 100 User terminal 200 Bank system 210 Branch system 215 ATM terminal 220 Bank computer center 230 Communication control device 240 Server 300 Corporate system 500 Communication network

Claims (10)

[Claims] 1. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a receiver is made from said terminal via said bank system for managing a bank account of a depositor. A payment receiving contract for receiving a payment for the payee on behalf of a bank and the payee in advance, the terminal comprising: a first input unit for inputting a payment instruction including at least a payment amount; Second input means for inputting a withdrawal instruction including at least information for specifying a bank account of a payer, wherein the bank system comprises: a payment instruction input from a first input means of the terminal; and the terminal Storage means for storing the withdrawal instruction inputted from the second input means as payment of the price to the recipient, and the payment instruction and withdrawal stored in the storage means Based on the view, the price storage system which is characterized in that a deposit means that the withdraws the payment amount from the payment's bank account on the banking system, the payment to the recipient's bank account. 2. The payment receiving system according to claim 1, wherein the payment instruction input from the first input means of the terminal includes a payment code, and the bank system performs the payment instruction based on the payment code. A payment storage system, further comprising verification means for verifying the input content of the payment. 3. The deposit storage system according to claim 1, wherein the depositing unit deposits the payment amount withdrawn from a bank account of the payer into a deposit account on the bank system and holds the payment amount for a predetermined period. Later, withdraw from the deposit account,
A payment storage system, wherein the payment is made to the payee's bank account. 4. A charge storage system in which a bank system and a terminal are connected to a communication network, and a payment is made to a payee from the terminal via the bank system for managing a bank account of a depositor. A first input unit for inputting a payment instruction including at least a payment amount, wherein a payment receiving contract for receiving the payment for the payee on behalf of the terminal has been previously concluded between a bank and the payee; Second input means for inputting a withdrawal instruction including information indicating a payer's bank account, wherein the bank system includes a payment instruction input from a first input means of the terminal; The withdrawal instruction input from the second input means is regarded as payment to the receiver and stored in the bank system, and the stored payment instruction and the withdrawal instruction are stored. On the basis of, said withdraws the payment amount from the payment's bank account on the banking system, characterized in that it credited to the recipient's bank account terminal. 5. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a receiver is made from said terminal via said bank system for managing a bank account of a depositor. In the banking system, a payment receiving contract for receiving the payment for the payee on behalf of the bank is concluded in advance between the bank and the payee, and from the terminal, a payment instruction including at least a payment amount, and at least a payment payment. A withdrawal instruction including information indicating the bank account of the recipient is input, and the input payment instruction and the withdrawal instruction are regarded as payment to the recipient and stored. Based on the stored payment instruction and withdrawal instruction, withdraw the payment amount from the payer's bank account on the bank system and deposit the payment amount into the payee's bank account. Banking system which is characterized in that a payment means to be. 6. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a receiver is made from said terminal via said bank system for managing a bank account of a depositor. In a program executed by a terminal, a first step of inputting a payment instruction including at least a payment amount, wherein a payment receiving contract for receiving the payment for the payee on behalf of the receiver has been previously concluded between a bank and the payee. And a second step of inputting a withdrawal instruction including at least information indicating a payer's bank account, wherein the banking system includes the payment instruction input by the first step, and the second instruction. The withdrawal instruction input in step is regarded as payment to the payee and stored in the bank system, and the stored payment instruction is stored. Based on the fine payment instruction, said the withdrawal of the payment amount from the payment's bank account on the banking system, program, characterized in that the payment to the recipient's bank account. 7. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a receiver is made from said terminal via said bank system for managing a bank account of a depositor. In a program executed in a bank system, a payment receiving contract for receiving a payment for the payee on behalf of the bank is concluded in advance between a bank and the payee, and from the terminal, a payment instruction including at least a payment amount and A withdrawal instruction including at least information indicating a payer's bank account is input, and the input payment instruction and the withdrawal instruction are stored as a payment to the payee. Dispensing the payment amount from the payer's bank account on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means; Program, characterized in that it includes a step of payment to the recipient's bank account. 8. A recording medium storing the program according to claim 6. 9. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a receiver is made from said terminal via said bank system for managing a bank account of a depositor. In a method for storing the payment paid to the recipient using a terminal, a payment receiving contract for receiving the payment for the recipient on behalf of the bank and the recipient is made in advance, and at least the payment amount A first step of inputting a payment instruction including: a second step of inputting a withdrawal instruction including at least information indicating a bank account of the payer; The input payment instruction and the withdrawal instruction input in the second step are regarded as payment to the payee and recorded in the bank system. And, based on the stored payment instruction and withdrawal instruction, withdrawing the payment amount from the payer's bank account on the bank system and depositing the payment amount into the recipient's bank account. How to store money. 10. A payment storage system in which a bank system and a terminal are connected to a communication network, and payment to a recipient is made from said terminal via said bank system for managing a bank account of a depositor. In a method for storing the payment paid to the recipient by using a bank system, a payment receiving contract for receiving the payment for the recipient on behalf of the bank is executed in advance between the bank and the recipient, From the terminal, a payment instruction including at least a payment amount and a withdrawal instruction including at least information indicating a bank account of the payer are input, and the input payment instruction and the withdrawal instruction are transmitted to the recipient. Storing the payment as the payment of the payment, and based on the payment instruction and the withdrawal instruction stored in the storage means, the bank of the payment payer on the bank system It withdraws the payment amount from the seat, price storage method characterized by comprising a step of payment to the recipient's bank account.