JP2004145894A - Credit settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit settlement system for carrying out settlement of a credit by using a deferred payment type settlement method by a credit card in indirect advance payment. <P>SOLUTION: This credit settlement system in a center-side system has: a credit inquiry means for letting a member inquire from a credit card company system whether or not he or she can use credit card settlement based on data of the credit card received from a store-side system; a demand information transmission means for receiving demand information; a sales data transmission means for transmitting the demand information to the credit card company system as sales data; a reception data transmission means for transmitting data showing the reception of the demanded amount to a creditor system; an advance payment amount reception means for receiving, from a financial facility system or the credit card company system, payment of the advance payment cost of the demand amount by the credit card company to a trustee; and a reception amount payment means for transmitting, to the financial facility system, payment of the advance payment cost received by the trustee to the creditor as the reception value. <P>COPYRIGHT: (C)2004,JPO

Description

The present invention relates to a receivable settlement system that performs settlement of receivables using a post-payment settlement method using a credit card.

When a product is purchased at a store or the like, it is possible to make a payment by a postpaid payment method using a credit card. In this case, when a customer (a member of a credit card company, etc .; hereinafter, a member) presents a card at the store, the store has creditworthiness to the credit card company, etc. for the member. The member makes an inquiry as to whether or not it is accepted, and when it is approved, the member is asked for a signature for identity verification, and when all are consistent, the member provides the merchandise to the store. Thereafter, the credit card company or the like pays a fee after deducting a fee to the store, and bills the member on the predetermined day and collects the fee. FIG. 3 is a conceptual diagram of the above-described post-payment settlement method using a normal credit card. In the case of such a settlement method, a member agreement is concluded between the member and the credit card company, and a receivables transfer contract or a reimbursement contract is also directly concluded between the store and the credit card company. It is generally processed. This conceptual diagram is shown in FIG.
JP-A-2002-63370 JP-A-2002-109835 JP 2001-350930 A

後 In the case of using a post-payment settlement method using a credit card based on the above concept, it is necessary to transfer the receivables held by the store to a credit card company or the like. However, for example, when the receivable is a tax or the like, it is difficult for an administrative organization to transfer the receivable to a third party due to various problems. Therefore, it is not possible to use a conventional post-payment settlement method using a credit card for directly transferring a credit. Further, even when the creditor does not like to transfer the credit to a credit card company, the conventional postpayment type settlement method involving direct credit transfer cannot be used. Accordingly, in the case of taxes and the like, due to its specialty, settlement by credit card is not currently performed.

債 The above-mentioned receivables, especially taxes, must be paid because the tax payment is a duty of the people, but the amount may not be convenient by the due date. However, a creditworthy member may be able to pay in installments even if the amount is not convenient by the due date, or may be able to pay if there is grace. However, in the past, only lump-sum payment within the payment deadline was permitted, so even in such a case, if payment is not made by the payment deadline, the specified interest will be added and the payment will be delinquent, and At present, it is disadvantageous because interest is added.

Furthermore, as in the past, when a member pays a receivable, the member must bring the payment slip to a financial institution or a convenience store. However, there is a scene where payment cannot be made because there is no payment slip. This has led to the loss of collection opportunities for creditors, which may also contribute to uncollected receivables.

Therefore, the present inventor can perform the settlement of the receivable by using a postpayment type settlement method using a credit card that makes an indirect reimbursement with the creditor shown in FIG. In a settlement method in which settlement conditions such as installment payment can be fluidized, a debt settlement system for supporting the settlement method has been invented.

The invention of claim 1 is
Claims: 1. A credit settlement system for settlement of a credit using a post-payment settlement method by a credit card, wherein the credit settlement system is an ATM terminal and a center-side system capable of transmitting and receiving data to at least one or more of the ATM terminals. An ATM card reading means for reading data of a member's credit card inserted into the ATM terminal and transmitting the read data to the center-side system; and Input receiving means for receiving the input data, and transmitting the received data to the center-side system, wherein the center-side system transmits to the creditor system that is the payee of the bond received from the ATM terminal. Sends an inquiry request for the amount of the member's receivables (the amount billed) Is received from the creditor system and the amount of money is transmitted to the ATM terminal. A charge amount inquiry means, and a product code indicating a financial product in the sales data of the credit card received from the ATM terminal is a shopping product code. Sales data conversion means for converting the charge amount received from the creditor system to the credit card company system after converting the charge amount by the sales data conversion means, and then to a credit card company system; and A center-side stored data transmitting means for transmitting the billed amount and information indicating which member has paid as stored data to the creditor system, assuming that the credit card has been stored.

The invention of claim 5 is
A center-side system that accepts settlement of a receivable by a credit card post-payment-type settlement method and is capable of transmitting and receiving data to and from at least one or more ATM terminals, wherein the center-side system receives data from the ATM terminal. A request is sent to the creditor system, which is the payee of the credit, for the amount of the credit of the member (charged amount), and when the result is received from the creditor system, the charged amount is transmitted to the ATM terminal. Invoice amount inquiring means, sales data converting means for converting a product code indicating a financial product in the credit card sales data received from the ATM terminal into a shopping product code, and a billing amount received from the creditor system Is converted by the sales data conversion means, and the sales data is converted to a credit card company. A center-side sales data transmitting means for transmitting the billed amount to the credit card system, and assuming that the billing amount has been stored by a credit card, the billing amount and information indicating which member paid the billing data to the creditor system. And a center-side stored data transmission unit.

According to the invention of each of the above-mentioned claims, a system in which a credit card company makes a payment for a creditor once through a trustee, that is, a credit card settlement can be made by indirect payment. As a result, it has been difficult for a person who has conventionally made a payment (for example, taxes, public money, and utility charges) to make a payment in a lump sum and does not allow the transfer of the loan. By doing, it becomes possible to pay.

Furthermore, even if the member does not bring the payment slip or payment data to the store, the credit can be paid by a credit card from an ATM terminal installed in, for example, a convenience store or a financial institution. In particular, there are more convenience stores than financial institutions, and it is preferable that the ATM terminal is installed in the convenience store. In addition, when bringing in a payment slip or payment data, for example, if the deadline is exceeded, there may be a delay penalty, and conventionally, the delay penalty is added to the next payment and charged. ing. However, as in the present invention, when the settlement of a claim is performed, the center system inquires the creditor system about the current amount of the claim (invoice amount), thereby claiming the damages on the spot. Becomes possible.

The invention of claim 2 is
Claims: 1. A credit settlement system for settlement of a credit using a post-payment settlement method by a credit card, wherein the credit settlement system is an ATM terminal and a center-side system capable of transmitting and receiving data to at least one or more of the ATM terminals. An ATM card reading means for reading data of a member's credit card inserted into the ATM terminal and transmitting the read data to the center-side system; and Input receiving means for receiving the input data, and transmitting the received data to the center-side system, wherein the center-side system transmits to the creditor system that is the payee of the bond received from the ATM terminal. Sends an inquiry request for the amount of the member's receivables (the amount billed) Is received from the creditor's system, the charge amount inquiry means for transmitting the charge amount to the ATM terminal, and whether or not the member can make a credit card payment based on the credit card data read by the ATM terminal. The inquiry request is transmitted to the credit card company system of the credit card company, and the result is received from the center-side credit inquiry means for receiving the result from the credit card company system and the credit card sales data received from the ATM terminal. Sales data conversion means for converting a product code indicating a financial product into a shopping product code, and a center-side sales data transmission means for transmitting sales data converted by the sales data conversion means to a credit card company system. , The credit card of the amount charged As According housing is made, and the center-side receiving data transmission means for transmitting the information indicating whether the paid billing amount and any members to the creditor system as storage data, a creditor payment system consisting of.

The invention of claim 6 is
A center-side system that accepts settlement of a receivable by a credit card post-payment-type settlement method and is capable of transmitting and receiving data to and from at least one or more ATM terminals, wherein the center-side system receives data from the ATM terminal. A request is sent to the creditor system, which is the payee of the credit, for the amount of the credit of the member (charged amount), and when the result is received from the creditor system, the charged amount is transmitted to the ATM terminal. Invoice amount inquiring means, and receiving, from the ATM terminal, credit card data read by the ATM terminal, and inquiring whether or not the member can make a credit card payment based on the received credit card data. Sending the request to the credit card company system of the credit card company, And a sales data conversion for converting a product code indicating a financial product into a shopping product code in sales data of the credit card received from the ATM terminal. Means, a center-side sales data transmitting means for transmitting sales data converted by the sales data converting means to a credit card company system, and assuming that the charged amount has been stored by a credit card, the charged amount and And a center-side stored data transmitting means for transmitting information indicating which member paid for the creditor system as stored data to the creditor system.

According to the present invention, similarly to the case of claim 1 and claim 5, even if the member does not bring the payment slip and payment data to the store, for example, the payment of the receivables from the ATM terminal installed in the convenience store or the financial institution. Can be performed with a credit card. In particular, there are more convenience stores than financial institutions, and it is preferable that the ATM terminal is installed in the convenience store. In addition, when bringing in a payment slip or payment data, for example, if the deadline is exceeded, there may be a delay penalty, and conventionally, the delay penalty is added to the next payment and charged. ing. However, as in the present invention, when the settlement of a claim is performed, the center system inquires the creditor system about the current amount of the claim (invoice amount), thereby claiming the damages on the spot. Becomes possible. Further, unlike the case of claim 1 and claim 5, since the credit inquiry is not performed by transmitting the sales data but the credit inquiry is performed after the sales data is transmitted, the credit is temporarily given. If the member does not exist, the process is terminated in the middle, so that no wasted time is wasted.

The invention of claim 3 is
The center-side system includes a registration information database that records the payment destination of the loan made by the member in the past in association with a credit card number, and a credit card number in the credit card data received from the ATM terminal. Registration information means for extracting, from the registration information database, the payee of the past credit of the member, associated with the credit card number, based on the information, and transmitting the payment destination to the ATM terminal. .

The invention of claim 7 is
The center-side system includes a registration information database that records the payment destination of the loan made by the member in the past in association with a credit card number, and a credit card number in the credit card data received from the ATM terminal. Registration information means for extracting, from the registration information database, a payee of the past credit of the member, which is associated with the credit card number, based on the information, and transmitting the payment information to the ATM terminal. .

According to the present invention, if the member has paid once, the registered information can be read from the center side system to eliminate the burden of inputting the customer number or the like every time.

The invention of claim 4 is
A credit settlement system, wherein the creditor is an administrative organization and / or a public institution, and the credit is a tax and / or a public money and / or a utility charge.

The invention of claim 8 is
The center side system in which the creditor is an administrative organization and / or a public institution, and the credit is a tax and / or a public money and / or a utility bill.

Taxes, public money, and utility charges do not allow for the transfer of receivables, unlike ordinary products, due to their special characteristics. Therefore, the effect becomes remarkable by using the present invention for payment of taxes, public money, and utility charges.

According to the invention described above, a system in which a credit card company makes a payment for a creditor once through a trustee, that is, a credit card payment can be made by indirect payment. This makes it possible for a person who had previously been unable to settle payments for lump-sum payments and refusal to transfer the receivables to pay by using the credit card held by the person. It is also possible to substantially extend payment terms and liquidate settlement conditions such as installment payment.

Also, by using the ATM terminal, it is possible to settle with the current billing amount, so that it is possible to eliminate the burden of billing at a later date such as delay damages. Further, the member does not need to bring the payment slip or payment data to the store.

FIG. 1 is a conceptual diagram of the present invention, and FIG. 5 is a system configuration diagram as an example of the system configuration. In this specification, the case of a credit card is described as a post-payment settlement method, and a credit card company member pays bills (taxes, public money, public charges, etc.) and payment data from creditors. Receiving and paying will be described. Also, a case where the store to be paid is a chain store such as a convenience store will be described. Accordingly, in this specification, a case will be described in which the receivable settlement system 1 includes a store-side system 2 provided in a chain store and a center-side system 3 that receives data from the plurality of chain stores and manages the data. . As a matter of course, the credit settlement system 1 is not divided into the store side system 2 and the center side system 3 and a plurality of systems, and may be performed on the same system. Further, a storage consignment contract shown in FIG. 2 is concluded between the creditor and the chain store or the company that manages the chain store, and the creditor is the trustee, and the chain store or the company that manages the chain store is the trustee. The expression of the store in this case includes not only the chain store but also the company that manages it.

こ と Naturally, the credit settlement system 1 may not be a convenience store or the like, but may be, for example, a supermarket, a department store, or a store. Further, the creditor may be an administrative organization or a public institution (a waterworks bureau, a power company, a gas company, a telephone company, etc.), and the credit may be a tax, public money, various public charges, or the like.

The debt settlement system 1 has a store-side system 2 owned by a chain store and a center-side system 3 that can transmit, receive, and manage data between at least one or more store-side systems 2.

The store-side system 2 includes a card reading unit 8, a billing information receiving unit 9, and a billing information transmitting unit 10.

The card reading means 8 reads the data of the member's credit card, and transmits the read data to the center-side system 3 to make a credit inquiry.

(4) The billing information receiving means 9 is a means for receiving billing information based on the payment notice and payment data received by the member from the creditor. At the time of this reception, a billing amount, a payment deadline, identification information for identifying a payer, and a billing type (for example, a resident tax, a property tax, a car tax, etc.) are received as billing information. In this reception, input of billing information such as a billing amount may be received based on a payment note or payment data, or billing information may be read by a reader such as a barcode reader.

The billing information transmitting means 10 is means for transmitting the billing information received by the billing information receiving means 9 to the center system 3.

The center-side system 3 has a credit inquiry unit 11, a billing information receiving unit 12, a sales data transmitting unit 13, a stored data transmitting unit 14, a replacement price receiving unit 15, and a stored price payment unit 16.

The credit inquiry means 11 receives the credit card data transmitted from the card reading means 8 of the store side system 2 and transmits it to the credit card company system 5, so that the member can make a credit card payment. This is a means for making an inquiry about whether or not this is the case. It is also a means for receiving the inquiry result from the credit card company system 5 and transmitting it to the card reading means 8 of the store side system 2.

The billing information receiving unit 12 is a unit that receives the billing information transmitted from the billing information transmitting unit 10 of the store-side system 2.

The sales data transmission means 13 is means for transmitting the billing information received by the billing information receiving means 12 to the credit card company system 5 as credit card sales data. By receiving the sales data in the credit card company system 5, the credit card company can know which member has settled by credit card and how much.

The stored data transmitting means 14 uses the billing information received by the billing information receiving means 12 as storing data, assuming that the credit card has been used for storing the billing information, the amount stored (the amount billed), and which member paid. This is a means for transmitting to the creditor system 4 (computer system of the creditor, for example, a computer system of an administrative organization when the credit is a tax). By receiving the stored data by the creditor system 4, the creditor can know which member paid by the credit card and how much.

The advance payment receiving means 15 informs the financial institution system that the credit card company has paid (replaced) the advance payment of the amount billed to the obligor member of the creditor from the credit card company account 18 to the trustee account 17. 6 and / or a means for receiving from the credit card company system 5.

The storage-payment means 16 sends the payment for the amount charged to the member who is the obligor of the creditor from the financial institution system 6 or the credit card company system 5 to the credit card company from the credit card company account 18 to the trustee account 17. This is a means for transmitting to the financial institution system 6 the fact that the advance payment has been received by the advance payment receiving means 15 and then the advance payment is to be paid from the trustee account 17 to the creditor account 20 as a storage price. .

The creditor system 4 is a computer system owned by the creditor who is the consignor.

The credit card company system 5 is a computer system used for credit card settlement owned by the credit card company.

The financial institution system 6 is a computer system that can transfer funds between accounts at the request of the credit settlement system 1 and the credit card company system 5. The financial institution system 6 has a trustee (store) account, a credit card company account 18, a member account 19, and a creditor account 20. In this specification, for convenience of explanation, the case where these accounts are provided in the same financial institution system 6 will be described. However, the accounts may be distributed to a plurality of financial institution systems 6.

An example of the process flow of the present invention will be described in detail with reference to the flowchart of FIG. 6 and the system configuration diagram of FIG.

Members who receive payment documents and payment data such as taxes, public money, utility charges, etc. from creditors of government agencies (depositors of debt collection) go to the store and present a credit card, and postpay by credit card Indicates to the store (the receivables trustee) that the settlement of the receivable will be performed.

(4) The clerk who has been presented with the credit card from the member causes the credit card to contact or not contact the card reading means 8. Thereby, the card reading means 8 reads the data of the credit card of the member, transmits the read data to the center system 3, and receives the data of the credit card of the member by the credit inquiry means 11 of the center system 3. I do. After receiving, the credit inquiry means 11 transmits the data of the member's credit card to the credit card company system 5 via the network 7, and makes a credit inquiry as to whether or not the member can make a credit card payment. (S100).

The credit inquiry means 11 receives the inquiry result of the credit inquiry from the credit card company system 5 in S100, and transmits the result to the card reading means 8 of the store system 2. The store-side system 2 that has received the inquiry result displays it on a display or the like, and indicates whether the member can make a credit card payment.

If the credit card cannot be settled as a result of some problem such as exceeding the credit limit, being overdue, being a stolen credit card, etc., the clerk will not be able to settle the credit card. Is notified to the member (S120), and the settlement is urged by another settlement means, for example, cash, check, debit card or the like.

(4) As a result of the credit inquiry, if the credit card settlement is possible, the billing information receiving means 9 receives the billing information based on the payment slip and payment data. At the time of this reception, a billing amount, a payment deadline, identification information for identifying a payer, and a billing type (for example, a resident tax, a property tax, a car tax, etc.) are received as billing information. Further, input of billing information such as billing amount may be received based on the payment slip or payment data, or the billing information may be read by a reader such as a barcode reader. The billing information transmitting unit 10 transmits the received billing information to the center system 3, and the billing information receiving unit 12 of the center system 3 receives the billing information.

(4) The sales data transmitting means 13 transmits the billing information received by the billing information receiving means 12 to the credit card company system 5 as sales data by credit card (S130). By receiving the sales data in the credit card company system 5, the credit card company can know which member has settled by credit card and how much.

Further, the stored data transmitting means 14 determines that the billing information received by the billing information receiving means 12 has been stored by a credit card, and indicates that the stored information has been stored, the amount of the stored information (the amount billed), and which member has paid. To the creditor system 4 (S140). By receiving the stored data by the creditor system 4, the creditor can know which member paid by the credit card and how much.

In step S130, the credit card company system 5, which has received the sales data transmitted from the center side system 3 of the credit settlement system 1 to the credit card company system 5, determines the amount charged to the creditor member based on the received sales data. The card company pays for the trustee (store) in advance (S150). That is, the credit card company system 5 transmits to the financial institution system 6 a message indicating that the billing amount will be transferred from the credit card company account 18 to the trustee account 17. With this notification, the financial institution system 6 moves the billed amount from the credit card company account 18 to the trustee account 17. As a result of this fund transfer, the credit card company system 5 pays the billed amount of the member to the trustee (store).

The credit card company paid (replaced) the credit card company from the credit card company account 18 to the fiduciary account 17 from the financial institution system 6 or the credit card company system 5 for the advance of the amount charged to the debtor member of the creditor. Upon receipt of the purport by the advance payment receiving means 15 of the center side system 3 of the receivable settlement system 1, the storage price payment means 16 informs the financial institution that the advance payment from the trustee account 17 to the creditor account 20 is to be paid as the storage price. This is transmitted to the institution system 6 (S160). That is, the credit settlement system 1 transmits to the financial institution system 6 a message that the received advance payment is to be transferred from the trustee account 17 to the creditor account 20. With this notification, the financial institution system 6 transfers the advance payment from the trustee account 17 to the creditor account 20. By this money transfer, the credit card company system 5 has paid the creditor's bill to the creditor. As a result, receivables such as taxes, public money, and utility charges have been paid.

(4) Thereafter, the credit card company system 5 exercises the reimbursement right based on a predetermined member contract, whereby the credit card company requests the member for a replacement price (S170), and the member pays the replacement price. That is, the member causes the financial institution system 6 to execute the transfer of the advance payment from the member account 19 to the credit card company account 18. When the credit card company receives this payment, the repayment of the advance payment is canceled (S180). When the credit card company bills the member for the advance price, the credit card company and / or the commission of the trustee may be charged in addition to the advance price. After the credit card company receives the commission from the member, the commission of the trustee is applied by paying the commission of the trustee from the credit card company account 18 to the trustee account 17.

In addition, when a member makes a credit card settlement at a store, the payment conditions of the credit card are settled in installments and various conditions such as bonus payment are designated, so that conventionally, only payment can be made in a lump sum, for example, tax, public money, etc. Payment conditions such as utility charges can be substantially fluidized. Furthermore, even if the payment terms are liquidated, the creditors themselves recognize that they have already paid because the credits themselves have been paid to the creditors within the payment deadline. Further, since the payment conditions can be liquidized in this manner, members have a wider range of options, and an improvement in the debt collection rate can be expected.

That is, when the billing information is received by the billing information receiving means 9 (when the member makes a credit card payment), the credit card payment conditions (e.g., installment payment, bonus payment, etc.) are received, and the request is set to the center. The sales data transmission means 13 of the center system 3 transmits the payment conditions to the credit card company system 5 along with the sales data. By receiving the payment conditions in the credit card company system 5, when the credit card company requests the advance payment to the member, the request is made in accordance with the payment conditions.

In the case of the above-described first embodiment, the member needs to bring the payment slip and payment data to the store. Therefore, by using the ATM terminal 30 (automatic teller machine) installed in the store, the member can pay the payment slip. A credit settlement system 1 ′ that enables payment of a credit as in the first embodiment without bringing any payment data or payment data will be described.

FIG. 7 is a conceptual diagram of the second embodiment, and FIG. 8 is an example of a system configuration. As in the case of the first embodiment, a case of a credit card will be described as a post-payment settlement method, and a case of a member of a credit card company paying a fee (tax, public money, public fee, etc.) from a creditor will be described. . As the ATM terminal 30 to be paid, it is preferable that the ATM terminal 30 installed in a convenience store increases the opportunity for members to pay, but if the ATM terminal 30 is used, the ATM terminal 30 installed in a financial institution is preferred. The installation location does not matter.

The 'claims settlement system 1' has an ATM terminal 30 installed in a store or the like and a center system 31 which is an ATM terminal relay center for managing at least one or more ATM terminals 30. Here, the ATM terminal relay center has a function of a center side system 31 as described later, and is a system that relays the processing of each ATM terminal 30. It transmits and receives data to and from the ATM terminal 30 installed in each store such as a convenience store, and transmits and receives data to and from other financial institution systems 6 ′, credit card company systems 5 and creditor systems 4. It is possible and a system that performs settlement.

The ATM terminal 30 has an ATM card reading means 32 and an input receiving means 33. The ATM terminal 30 refers to a known automatic teller machine.

The ATM card reading means 32 is a means for reading the credit card data of the member inserted into the ATM terminal 30 and transmitting the read data to the center side system 31 to make a credit inquiry. The ATM card reading means 32 may be a known card reader provided in the ATM terminal 30.

The input receiving means 33 is means for receiving various inputs such as the member's PIN (password) and the payee of the receivables input by the member into the ATM terminal 30 and transmitting them to the center-side system 31.

The center-side system 31 includes a registration information unit 39, a billing amount inquiry unit 35, a center storage data transmission unit 38, a center sales data transmission unit 36, a sales data conversion unit 37, and a registration information database 40.

Based on the credit card data received from the ATM terminal 30, the registration information means 39 extracts from the registration information database 40 the payee of the loan made by the member having the credit card in the past, and sends it to the ATM terminal 30. It is a means for transmitting. If the payee is a new payee, this means is transmitted to the ATM terminal 30 to receive registration of the new payee from the ATM terminal 30.

The invoice amount inquiring means 35 is a means for transmitting a request for inquiring the amount (invoice amount) of the receivable together with the customer number or the like to the creditor system 4 to which the receivable received from the ATM terminal 30 is paid. For example, when the member pays the water bill, after receiving the payment to the Water Bureau from the ATM terminal 30 (when newly registering, together with the customer number assigned by the Water Bureau, etc.) Incoming), the inquiry about the customer number of the member and the billed amount of the water bill is transmitted to the system of the water bureau (the creditor system 4). Further, the bill amount inquiring means 35 is also a means for transmitting the bill amount to the ATM terminal 30 when the bill amount is received from the creditor system 4.

The center-side sales data transmitting means 36, after receiving the billed amount from the creditor system 4, transmits sales data by credit card to the sales data converting means 37, and after converting the type of sales data by the sales data converting means 37, This is a means for transmitting the converted sales data to the credit card company system 5. By receiving the sales data in the credit card company system 5, the credit card company can know which member has made the payment by credit card and how much. By transmitting the sales data, the credit card company system 5 makes a credit inquiry, and as a result of the credit inquiry, it is determined that the credit has been granted (the settlement is possible). The system 5 recognizes the sales data.

The sales data converting means 37 is means for converting data (sales data) received from the ATM terminal 30 into sales data of a predetermined format since the data is sales data of a financial product. That is, the ATM terminal 30 normally transmits only sales data of only financial products (for example, cashing). However, as in the present invention, payment of receivables is handled in the same way as shopping (for example, in shopping). Credit card payments are just payments of receivables.) Therefore, the sales data received by the ATM terminal 30 as the sales data of the financial product is converted by the sales data conversion means 37 as sales data of shopping or the like.

(5) The sales data is usually provided with a product code indicating the type of product for sales as a header. For example, “61” is set for financial products, and “21” is set for shopping, etc. (Note that product codes such as “61” and “21” are merely examples, and other expression formats are used. In such a case, the product code indicating the financial product is converted into a product code that is treated as a product purchase such as shopping, in the same manner as in the present embodiment). When a credit card is used in the ATM terminal 30, only the sales of financial products can be handled. Therefore, usually, the sales data of financial products can only be transmitted to the center system 31. Therefore, the sales data to which "61" is added as the header is received from the ATM terminal 30. If this sales data is transmitted to the credit card company system 5 as it is, it will be treated as a financial product, for example, cashing or the like, and disadvantageous in that an interest rate or the like will be given to the member will occur. Therefore, the sales data conversion means 37 converts the product code in the header of the sales data from “61” to “21” for the sales data that has also been received from the ATM terminal 30 as the payment of the receivable, Conversion into sales data that is treated as purchase of goods such as shopping. By transmitting the sales data converted in this way to the center-side system 31, it is only necessary to ask the member to pay the credit card as usual, without generating an interest or the like in the credit card company. .

The center-side stored data transmitting unit 38 indicates that the charged amount received by the charged amount inquiring unit 35 has been stored by the credit card, indicates that the credit card has been stored, the amount (billed amount), and which member paid. This is a means for transmitting information (such as customer information) to the creditor system 4 as stored data. By receiving the stored data by the creditor system 4, the creditor can know which member paid by the credit card and how much.

The registration information database 40 is a database in which a payee of a loan made by a member having a credit card in the past is recorded by information (for example, a credit card number) for uniquely identifying the member.

Creditor system 4, credit card company system 5, and financial institution system 6 'are the same as those in the first embodiment, and a description thereof will be omitted. However, a fiduciary account is not required for the financial institution system 6 '.

Next, an example of the process flow of the system configuration according to the second embodiment will be described in detail with reference to the flowcharts of FIGS. 9 and 10 and the system configuration diagram of FIG.

Members who have received payment documents and payment data, such as taxes, public money, and utility charges, from creditors of government agencies (receivable consignors) (even if members have not received payment documents or payment data, Goes to an ATM terminal 30 installed in a convenience store or the like, and inserts a credit card into the ATM terminal 30 (S200).

(4) When a credit card is inserted into the ATM terminal 30, the ATM card reading means 32 reads information for identifying the company recorded on the credit card, and displays a screen for selecting the contents of the credit card transaction on the ATM terminal 30. FIG. 11 shows a selection screen for this transaction content.

When the member selects to pay a utility charge or the like from the transaction content selection screen at the ATM terminal 30 (S210), the ATM card reading means 32 registers the inserted credit card number in the center system 31. An information confirmation request is transmitted (S220). At this time, information uniquely identifying the member such as the credit card number of the member read by the ATM card reading means 32 is transmitted from the ATM terminal 30 to the center system 31 together with the confirmation request.

The registration information means 39 of the center-side system 31 which has received the request for confirming the registration information of the credit card number from the ATM terminal 30 performs a search of the registration information database 40 with information such as a credit card number or the like which uniquely identifies a member. Check whether there is any registered information of the recipient of the receivables that the member has made in the past. If there is, the registration information means 39 of the center side system 31 transmits a screen on which the information is described to the ATM terminal 30. The screen at this time is shown in FIG. The example of FIG. 12 shows a case where the member has paid to the A power company and the B gas company in the past. The screen in FIG. 12 has a registration button so that a new payee can be registered.

で は In the second embodiment, it is assumed that the member pays the water bill. Since the payment of the water fee is made to the Water Bureau, as shown in FIG. 12, the payment has not yet been made to the Water Bureau. The member selects a “registration button” to register a new payee (S230).

At this time, it is possible to access the creditor system 4 from the ATM terminal 30 via the center system 31 from which the credit can be paid as a new payee, that is, from the ATM terminal 30 to obtain the billed amount. Displaying a list of certain destinations as shown in FIG. 13 may facilitate registration of a new payee.

(5) The member pays the water bill, and selects “Water Bureau” from the screen in FIG. After selecting the payee, the ATM terminal 30 displays an input screen such as a customer number assigned to the member from the payee. FIG. 14 shows an example of such an input screen of the customer number and the like. As described above, a new payee can be registered by selecting the payee and inputting the customer number or the like assigned to the member from the payee in the ATM terminal 30 (S240). The input payment destination, customer number, and the like input here are received by the input reception unit 33 of the ATM terminal 30, and the input reception unit 33 transmits them to the center system 31. The new payee, customer number, and the like transmitted from the ATM terminal 30 are received by the registration information unit 39, and are recorded in the registration information database 40 in association with the credit card number of the member.

If the member does not register a new payee in S230, that is, if the payee is already registered, "Water Bureau" is displayed on the payee selection screen as shown in FIG. Then, "Waterworks Bureau" may be selected from the screen (FIG. 15). Then, the information on the selected payee is received by the input receiving means 33 of the ATM terminal 30, and the input receiving means 33 transmits the information to the center-side system 31.

(4) After registering the new payee or when the selected information of the payee is received by the billing amount inquiry means 35, the customer number of the member of the payee is extracted from the registration information database 40.

{Circle around (2)} The billing amount inquiry means 35 transmits a request for inquiring the billed amount of the receivable together with the customer number and the like to the creditor system 4 of the payee received from the ATM terminal 30 (S250).

Here, since the member pays the water bill, the billing amount inquiry means 35, after receiving the payment to the water bureau from the ATM terminal 30, sends a request for inquiry of the customer number of the member and the billed amount of the water bill. , To the system of the Water Bureau (creditor system 4).

(4) The creditor system 4 that has received the inquiry request from the center side system 31 searches the billing amount of the member based on the customer number and transmits it to the center side system 31. The charge amount inquiring means 35 of the center-side system 31 that has received the charge amount from the creditor system 4 transmits the charge amount to the ATM terminal 30.

FIG. 16 shows an example of the display screen of the billing amount. The example in FIG. 16 shows a case where the billed amount as the water charge is 6,300 yen.

When the member agrees to pay the payment in a post-payment form such as a credit card, for example, the user selects the “confirm” button in FIG. 16 and inputs the PIN (password, password) as shown in FIG. Perform to terminal 30. These inputs are received by the input receiving means 33 and transmitted to the center system 31. Thus, the payment request and the PIN are transmitted from the ATM terminal 30 to the center system 31.

Further, the center-side system 31 having received the payment request and the PIN transmits the sales data by the credit card to the sales data conversion means 37, converts the type of the sales data, and transmits it to the credit card company system 5 ( S260).

That is, conventionally, only the sales of financial products can be handled as the payment by the credit card at the ATM terminal 30. Therefore, the data (sales data) transmitted from the ATM terminal 30 to the center system 31 is as follows. It is transmitted as sales data of financial products. However, since sales of financial products are cashing and the like, they are essentially different from payment of receivables as in the present invention. Because if the processing is performed on the sales of financial products, the credit card company will calculate interest and the like as the sales, but in the case of the payment of receivables as in the present invention, it is only necessary to make the payment Because it is only.

Therefore, it is necessary for the sales data conversion means 37 to convert the type of sales data in response to a payment request from the ATM terminal 30.

Specifically, the sales data is usually provided with a product code indicating the type of the product for sales as a header. For example, “61” is set for financial products, and “21” is set for shopping or the like (payment of receivables). Since the ATM terminal 30 can transmit only the sales data as the financial product to the center system 31, the sales data with "61" as the header is received from the ATM terminal 30. If this sales data is transmitted to the credit card company system 5 as it is, it will be treated as a financial product, for example, cashing or the like, and disadvantageous in that an interest rate or the like will be given to the member will occur. Accordingly, the sales data conversion means 37 converts the product code of the header in the sales data from "61" to "21" for the sales data received together with the payment of the receivable from the ATM terminal 30. Then, the data is converted into sales data that is treated as shopping or the like. By transmitting the sales data converted in this way to the center-side system 31, it is only necessary to ask the member to pay the credit card as usual, without generating an interest or the like in the credit card company. .

After the sales data is converted by the sales data converting means 37, the center-side sales data transmitting means 36 transmits the converted sales data to the credit card company system 5 (S260).

Also, when transmitting the converted sales data to the credit card company system 5, the center-side system 31 also transmits the PIN received from the ATM terminal 30 together.

After receiving the converted sales data from the center side system 31, the credit card company system 5 performs an authentication process using the PIN transmitted together with the converted sales data, and then determines whether or not the member can make a payment using a credit card. Is determined (S270).

(4) As a result of the credit judgment, when the credit is given to the member, that is, when the settlement of the credit is approved, the received sales data is formally recognized as the sales data by the credit card company system 5 (S280).

On the other hand, as a result of the credit judgment, if the credit card settlement is not approved for some reason, the credit card company system 5 transmits the fact to the center system 31, and the center system 31 further transmits To that effect, and terminates the process. Therefore, in this case, payment by a credit card cannot be performed.

After the official recognition as the sales data in S280, a notification that the processing by the credit card is completed is transmitted from the credit card company system 5 to the center system 31, and the center system 31 receiving the notification completes the processing. The center system 31 transmits a notification that the payment has been made to the ATM terminal 30, and upon receiving the notification, the ATM terminal 30 displays a payment completion screen shown in FIG. 18 and issues a receipt at the ATM terminal 30. (S290).

Further, the center-side stored data transmitting means 38 determines that the charged amount has been stored by a credit card, and stores the stored amount and information such as the amount and a customer number for identifying which member paid, as stored data. The information is transmitted to the creditor system 4 (S300).

受 信 By receiving the stored data by the creditor system 4, the creditor can know which member paid by credit card and how much.

The credit card company system 5, which has received the sales data transmitted from the center system 31 of the credit settlement system 1 'to the credit card company system 5, based on the received sales data, calculates the amount charged to the creditor's member by the credit card. The company pays the creditor (S310). That is, the credit card company system 5 sends a notice to the financial institution system 6 'to the effect that the billed amount will be transferred from the credit card company account 18 to the creditor account 20. In response to this notification, the financial institution system 6 ′ moves the billed amount from the credit card company account 18 to the creditor account 20. With this transfer of funds, the amount charged by the member has been paid by the credit card company.

Thereafter, the credit card company system 5 exercises the reimbursement right based on a predetermined member contract, whereby the credit card company bills the member for a storage fee (the face value is the same as the billed amount) (S320), and the member bills. Make a payment for the amount. That is, the member transfers funds from the member account 19 to the credit card company for the financial institution system 6 '. This fund transfer is usually performed by so-called account withdrawal.

(4) Upon receipt of this payment by the credit card company, the credit card company has repaid the storage fee to the member (S330). When the credit card company bills the member for the storage fee, the credit card company may charge a fee or the like in addition to the amount of the storage fee (that is, the charged amount).

In addition, when the member makes a credit card payment from the ATM terminal 30, by specifying various conditions such as installment payment, bonus payment, and the like, the payment condition of the credit card can be conventionally paid only by lump sum, for example, tax and tax payment. Payment conditions such as public money and utility charges can be substantially fluidized. Furthermore, even if the payment terms are liquidated, the credit itself is paid to the creditor in a lump within the payment deadline, so the creditor recognizes that the payment has already been made. Further, since the payment conditions can be liquidized in this manner, members have more options, and an improvement in the debt collection rate can be expected.

That is, when payment is made at the ATM terminal 30, the payment conditions can be accepted and transmitted from the ATM terminal 30 to the center system 31, so that the center-side sales data transmitting means of the center system 31 36 transmits the payment conditions to the credit card company system 5 together with the sales data. By receiving the payment conditions in the credit card company system 5, when the credit card company requests the amount to be charged to the member, it is possible to make a request in accordance with the payment conditions.

In the second embodiment described above, the credit inquiry and the transmission of the sales data are realized by one sales data transmission process at the same time. However, the sales data may be transmitted after the credit inquiry. The credit settlement system 1 '' in this case will be described.

FIG. 7 is a conceptual diagram of the third embodiment, and FIG. 19 shows an example of a system configuration. As in the case of the first embodiment, a case of a credit card will be described as a post-payment settlement method, and a case of a member of a credit card company paying a fee (tax, public money, public fee, etc.) from a creditor will be described. . As the ATM terminal 30 to be paid, it is preferable that the ATM terminal 30 installed in a convenience store increases the opportunity for members to pay, but if the ATM terminal 30 is used, the ATM terminal 30 installed in a financial institution is preferred. The installation location does not matter, such as 30.

The claim settlement system 1 ″ includes an ATM terminal 30 installed in a store or the like and a center-side system 31 that is an ATM terminal relay center that manages at least one or more ATM terminals 30. Here, the ATM terminal relay center has a function of a center side system 31 as described later, and is a system that relays the processing of each ATM terminal 30. It transmits and receives data to and from the ATM terminal 30 installed in each store such as a convenience store, and transmits and receives data to and from other financial institution systems 6 ′, credit card company systems 5 and creditor systems 4. It is possible and a system that performs settlement.

The ATM terminal 30 has an ATM card reading means 32 and an input receiving means 33. The ATM terminal 30 refers to a known automatic teller machine.

The ATM card reading means 32 is a means for reading the credit card data of the member inserted into the ATM terminal 30 and transmitting the read data to the center side system 31 to make a credit inquiry. The ATM card reading means 32 may be a known card reader provided in the ATM terminal 30.

The input receiving means 33 is means for receiving various inputs such as the member's PIN (password) and the payee of the receivables input by the member into the ATM terminal 30 and transmitting them to the center-side system 31.

The center-side system 31 includes a center-side credit inquiry unit 34, a registration information unit 39, a billing amount inquiry unit 35, a center-side stored data transmission unit 38, a center-side sales data transmission unit 36, a sales data conversion unit 37, and a registration information database 40. And

Based on the credit card data received from the ATM terminal 30, the registration information means 39 extracts from the registration information database 40 the payee of the loan made by the member having the credit card in the past, and sends it to the ATM terminal 30. It is a means for transmitting. If the payee is a new payee, this means is transmitted to the ATM terminal 30 to receive registration of the new payee from the ATM terminal 30.

The invoice amount inquiring means 35 is a means for transmitting a request for inquiring the amount (invoice amount) of the receivable together with the customer number or the like to the creditor system 4 to which the receivable received from the ATM terminal 30 is paid. For example, when the member pays the water bill, after receiving the payment to the Water Bureau from the ATM terminal 30 (when newly registering, together with the customer number assigned by the Water Bureau, etc.) Incoming), the inquiry about the customer number of the member and the billed amount of the water bill is transmitted to the system of the water bureau (the creditor system 4). Further, the bill amount inquiring means 35 is also a means for transmitting the bill amount to the ATM terminal 30 when the bill amount is received from the creditor system 4.

The center-side credit inquiry means 34 receives the credit card data transmitted from the ATM card reading means 32 of the ATM terminal 30, and determines the credit card number, the billed amount, and to which creditor the payment is made by the credit card. This is a means for transmitting to the company system 5 and transmitting an inquiry request as to whether or not the member can make a credit card payment. Also, it is a means for receiving the inquiry result from the credit card company system 5 and transmitting the result to the ATM terminal 30 when the settlement cannot be performed.

When the center-side credit inquiry means 34 receives information indicating that credit card settlement is possible, the center-side sales data transmitting means 36 transmits sales data by credit card to the sales data conversion means 37, and outputs the type of sales data. Is converted by the sales data conversion means 37, and the converted sales data is transmitted to the credit card company system 5. By receiving the sales data in the credit card company system 5, the credit card company can know which member has made the payment by credit card and how much. It should be noted that the center-side sales data transmitting means 36 of this embodiment is different from the center-side sales data transmitting means 36 of the second embodiment, and transmits only when settlement can be performed as a result of the credit inquiry by the center-side credit inquiry means 34. Things.

The sales data converting means 37 is means for converting data (sales data) received from the ATM terminal 30 into sales data of a predetermined format since the data is sales data of a financial product. That is, the ATM terminal 30 normally transmits only sales data of only financial products (for example, cashing). However, as in the present invention, payment of receivables is handled in the same way as shopping (for example, in shopping). Credit card payments are just payments of receivables.) Therefore, the sales data received by the ATM terminal 30 as the sales data of the financial product is converted by the sales data conversion means 37 as sales data of shopping or the like.

(5) The sales data is usually provided with a product code indicating the type of product for sales as a header. For example, “61” is set for financial products, and “21” is set for shopping, etc. (Note that product codes such as “61” and “21” are merely examples, and other expression formats are used. In such a case, the product code indicating the financial product is converted into a product code that is treated as a product purchase such as shopping, in the same manner as in the present embodiment). When a credit card is used in the ATM terminal 30, only the sales of financial products can be handled. Therefore, usually, the sales data of financial products can only be transmitted to the center system 31. Therefore, the sales data to which "61" is added as the header is received from the ATM terminal 30. If this sales data is transmitted to the credit card company system 5 as it is, it will be treated as a financial product, for example, cashing or the like, and disadvantageous in that an interest rate or the like will be given to the member will occur. Therefore, the sales data conversion means 37 converts the product code in the header of the sales data from “61” to “21” for the sales data that has also been received from the ATM terminal 30 as the payment of the receivable, Conversion into sales data that is treated as purchase of goods such as shopping. By transmitting the sales data converted in this way to the center-side system 31, it is only necessary to ask the member to pay the credit card as usual, without generating an interest or the like in the credit card company. .

The center-side stored data transmitting unit 38 indicates that the charged amount received by the charged amount inquiring unit 35 has been stored by the credit card, indicates that the credit card has been stored, the amount (billed amount), and which member paid. This is a means for transmitting information (such as customer information) to the creditor system 4 as stored data. By receiving the stored data by the creditor system 4, the creditor can know which member paid by the credit card and how much.

The registration information database 40 is a database in which a payee of a loan made by a member having a credit card in the past is recorded by information (for example, a credit card number) for uniquely identifying the member.

Creditor system 4, credit card company system 5, and financial institution system 6 'are the same as those in the first embodiment, and a description thereof will be omitted. However, a fiduciary account is not required for the financial institution system 6 '.

Next, an example of a process flow of the system configuration according to the third embodiment will be described in detail with reference to flowcharts of FIGS. 20 and 21 and a system configuration diagram of FIG.

Members who have received payment documents and payment data, such as taxes, public money, and utility charges, from creditors of government agencies (receivable consignors) (even if members have not received payment documents or payment data, Goes to an ATM terminal 30 installed in a convenience store or the like, and inserts a credit card into the ATM terminal 30 (S400).

(4) When a credit card is inserted into the ATM terminal 30, the ATM card reading means 32 reads information for identifying the company recorded on the credit card, and displays a screen for selecting the contents of the credit card transaction on the ATM terminal 30. FIG. 11 shows a selection screen for this transaction content.

When the member selects to pay a utility charge or the like from the transaction content selection screen at the ATM terminal 30 (S410), the ATM card reading means 32 registers the inserted credit card number with the center system 31. An information confirmation request is transmitted (S420). At this time, information uniquely identifying the member such as the credit card number of the member read by the ATM card reading means 32 is transmitted from the ATM terminal 30 to the center system 31 together with the confirmation request.

The registration information means 39 of the center-side system 31 which has received the request for confirming the registration information of the credit card number from the ATM terminal 30 performs a search of the registration information database 40 with information such as a credit card number or the like which uniquely identifies a member. Check whether there is any registered information of the recipient of the receivables that the member has made in the past. If there is, the registration information means 39 of the center side system 31 transmits a screen on which the information is described to the ATM terminal 30. The screen at this time is shown in FIG. The example of FIG. 12 shows a case where the member has paid to the A power company and the B gas company in the past. The screen in FIG. 12 has a registration button so that a new payee can be registered.

で は In the third embodiment, it is assumed that the member pays the water bill. Since the payment of the water fee is made to the Water Bureau, as shown in FIG. 12, the payment has not yet been made to the Water Bureau. Therefore, the member selects a "registration button" to register a new payee (S430).

At this time, it is possible to access the creditor system 4 from the ATM terminal 30 via the center system 31 from which the credit can be paid as a new payee, that is, from the ATM terminal 30 to obtain the billed amount. Displaying a list of certain destinations as shown in FIG. 13 may facilitate registration of a new payee.

(5) The member pays the water bill, and selects “Water Bureau” from the screen in FIG. After selecting the payee, the ATM terminal 30 displays an input screen such as a customer number assigned to the member from the payee. FIG. 14 shows an example of such an input screen of the customer number and the like. As described above, a new payee can be registered by selecting the payee and inputting a customer number or the like assigned to the member from the payee in the ATM terminal 30 (S440). The input payment destination, customer number, and the like input here are received by the input reception unit 33 of the ATM terminal 30, and the input reception unit 33 transmits them to the center system 31. The new payee, customer number, and the like transmitted from the ATM terminal 30 are received by the registration information unit 39, and are recorded in the registration information database 40 in association with the credit card number of the member.

If the member does not register a new payee in S430, that is, if a payee has already been registered, "Water Bureau" is displayed on the payee selection screen as shown in FIG. Then, "Waterworks Bureau" may be selected from the screen (FIG. 15). Then, the information on the selected payee is received by the input receiving means 33 of the ATM terminal 30, and the input receiving means 33 transmits the information to the center-side system 31.

(4) After registering the new payee or when the selected information of the payee is received by the billing amount inquiry means 35, the customer number of the member of the payee is extracted from the registration information database 40.

{Circle around (2)} The billing amount inquiry means 35 transmits an inquiry request of the billing amount of the relevant loan together with the customer number and the like to the creditor system 4 of the payee received from the ATM terminal 30 (S450).

Here, since the member pays the water bill, the billing amount inquiry means 35, after receiving the payment to the water bureau from the ATM terminal 30, sends a request for inquiry of the customer number of the member and the billed amount of the water bill. , To the system of the Water Bureau (creditor system 4).

(4) The creditor system 4 that has received the inquiry request from the center side system 31 searches the billing amount of the member based on the customer number and transmits it to the center side system 31. The charge amount inquiring means 35 of the center-side system 31 that has received the charge amount from the creditor system 4 transmits the charge amount to the ATM terminal 30.

FIG. 16 shows an example of the display screen of the billing amount. The example in FIG. 16 shows a case where the billed amount as the water charge is 6,300 yen.

When the member agrees to pay the payment in a post-payment form such as a credit card, for example, the user selects the “confirm” button in FIG. 16 and inputs the PIN (password, password) as shown in FIG. Perform to terminal 30. These inputs are received by the input receiving means 33 and transmitted to the center system 31. Thus, the payment request and the PIN are transmitted from the ATM terminal 30 to the center system 31.

After receiving the payment request and the PIN from the ATM terminal 30, the center-side credit inquiry unit 34 of the center-side system 31 converts the type of sales data by the sales data conversion unit (S460), as in the case of the second embodiment. The member transmits a credit inquiry as to whether settlement by credit card is possible and a PIN together with the credit card company system 5 (S470).

At the time of this credit inquiry, the credit card number and billing amount of the member may be transmitted to the credit card company system 5. The credit card number may be the one received from the ATM terminal 30 in S420 or the like, or the ATM card reading means 32 may send the payment request to the center system 31 again when the ATM terminal 30 transmits the payment request to the center system 31. It may be transmitted to. Further, the credit inquiry in the credit card company system 5 may be performed after the member is authenticated by a PIN.

The center-side credit inquiry means 34 receives the inquiry result of the credit inquiry from the credit card company system 5 in S470 (S480). As a result of the credit inquiry, if the settlement of the credit card is not approved for some reason, the center-side credit inquiry means 34 transmits the fact to the ATM terminal 30 and ends the processing. Therefore, in this case, payment by a credit card cannot be performed.

On the other hand, as a result of the credit inquiry, if the settlement of the credit card is approved, the sales data by the credit card is transmitted to the sales data conversion means 37, and the type of the sales data is converted. The conversion of the sales data may be performed by converting the product code of the sales data as in the second embodiment.

After the sales data is converted by the sales data converting means 37, the center-side sales data transmitting means 36 transmits the converted sales data to the credit card company system 5 (S490). By receiving the sales data in the credit card company system 5, the credit card company can know which member has made the payment by credit card and how much.

After transmitting the sales data, a notification that the processing has been completed is transmitted from the center side system 31 to the ATM terminal 30, and the ATM terminal 30 receiving the notification displays a payment completion screen shown in FIG. At the same time, a receipt is issued by the ATM terminal 30 (S500).

Further, the center-side stored data transmitting means 38 determines that the charged amount has been stored by a credit card, and stores the stored amount and information such as the amount and a customer number for identifying which member paid, as stored data. The information is transmitted to the creditor system 4 (S510).

受 信 By receiving the stored data by the creditor system 4, the creditor can know which member paid by credit card and how much.

In step S490, the credit card company system 5 that has received the sales data transmitted from the center system 31 of the credit settlement system 1 ″ to the credit card company system 5 determines the amount charged to the creditor member based on the received sales data. Then, the credit card company pays the creditor (S520). That is, the credit card company system 5 sends a notice to the financial institution system 6 'to the effect that the billed amount will be transferred from the credit card company account 18 to the creditor account 20. In response to this notification, the financial institution system 6 ′ moves the billed amount from the credit card company account 18 to the creditor account 20. With this transfer of funds, the amount charged by the member has been paid by the credit card company.

Thereafter, the credit card company system 5 exercises the reimbursement right based on a predetermined member contract, so that the credit card company requests the member to pay for the storage (the face value is the same as the amount charged) (S530), and the member Make a payment for the amount. That is, the member transfers funds from the member account 19 to the credit card company for the financial institution system 6 '. This fund transfer is usually performed by so-called account withdrawal.

{5} Upon receipt of this payment by the credit card company, the credit card company has repaid the storage fee to the member (S540). When the credit card company bills the member for the storage fee, the credit card company may charge a fee or the like in addition to the amount of the storage fee (that is, the charged amount).

In addition, when the member makes a credit card payment from the ATM terminal 30, by specifying various conditions such as installment payment, bonus payment, and the like, the payment condition of the credit card can be conventionally paid only by lump sum, for example, tax and tax payment. Payment conditions such as public money and utility charges can be substantially fluidized. Furthermore, even if the payment terms are liquidated, the credit itself is paid to the creditor in a lump within the payment deadline, so the creditor recognizes that the payment has already been made. Further, since the payment conditions can be liquidized in this manner, members have more options, and an improvement in the debt collection rate can be expected.

That is, when payment is made at the ATM terminal 30, the payment conditions can be accepted and transmitted from the ATM terminal 30 to the center system 31, so that the center-side sales data transmitting means of the center system 31 36 transmits the payment conditions to the credit card company system 5 together with the sales data. By receiving the payment conditions in the credit card company system 5, when the credit card company requests the amount to be charged to the member, it is possible to make a request in accordance with the payment conditions.

各 Each means and database in the present invention may be logically distinguished only in function, and may have the same physical or practical area. Needless to say, a data file may be used instead of the database, and the description of the database includes the data file.

In carrying out the present invention, a storage medium storing a software program for realizing the functions of the present embodiment is supplied to the system, and the system computer is realized by reading and executing the program stored in the storage medium. It's natural.

In this case, the program itself read from the storage medium implements the functions of the above-described embodiment, and the storage medium storing the program naturally constitutes the present invention.

記憶 As a storage medium for supplying the program, for example, a magnetic disk, a hard disk, an optical disk, a magneto-optical disk, a magnetic tape, a nonvolatile memory card, or the like can be used.

When the computer executes the readout program, not only the functions of the above-described embodiments are realized, but also the operating system or the like running on the computer performs one of the actual processes based on the instructions of the program. It goes without saying that a case where the functions of the above-described embodiments are realized by performing all or part of the processes is also included.

Further, after the program read from the storage medium is written into a nonvolatile or volatile storage means provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer, the program is read by an instruction of the program. On the basis of this, it goes without saying that a case is also included in which the arithmetic processing device or the like provided in the function expansion board or the function expansion unit performs part or all of the actual processing, and the processing realizes the functions of the above-described embodiments.

According to the invention described above, a system in which a credit card company makes a payment for a creditor once through a trustee, that is, a credit card payment can be made by indirect payment. This makes it possible for a person who had previously been unable to settle payments for lump-sum payments and refusal to transfer the receivables to pay by using the credit card held by the person. It is also possible to substantially extend payment terms and liquidate settlement conditions such as installment payment.

Also, in addition to face-to-face payment at the store, payment from an ATM terminal is also possible, thereby avoiding the burden on store employees. Furthermore, conventional ATM terminals could only transmit sales data (sales sales data) of financial products, so they could not be used for mere payment of receivables. As a result, the sales of financial products can be converted into sales data (sales sales data) related to sales in the same manner as normal shopping, and this payment can be made at the ATM terminal.

Also, by using the ATM terminal, it is possible to settle with the current billing amount, so that it is possible to eliminate the burden of billing at a later date such as delay damages. Further, the member does not need to bring the payment slip or payment data to the store.

It is a conceptual diagram of the settlement method of the postpayment type of a credit card in indirect advance payment. It is a conceptual diagram which shows the contract relationship of the settlement method of the postpayment type of a credit card in indirect advance payment. It is a conceptual diagram of the settlement method of the post-payment type of a credit card accompanied by a loan transfer. It is a key map showing the contract relation of the settlement method of the post-payment type of the credit card accompanying the transfer of the claim. FIG. 1 is a system configuration diagram illustrating an example of a system configuration of the present invention. It is a flowchart figure which shows an example of the flow of the process of this invention. It is a key map of Example 2 and Example 3 of the present invention. FIG. 9 is an example of a system configuration diagram according to a second embodiment of the present invention. FIG. 11 is a flowchart illustrating an example of a process flow according to the second embodiment of the present invention. FIG. 11 is a flowchart illustrating an example of a process flow according to the second embodiment of the present invention. It is an example of the screen of the ATM terminal showing selection of transaction contents. It is an example of the screen of the ATM terminal showing the selection of the payee. It is an example of a screen of the ATM terminal when registering a new payee. It is an example of a screen of an ATM terminal when inputting a customer number or the like. It is an example of a screen of the ATM terminal when selecting a payee from a registered person. It is an example of the screen of the ATM terminal when displaying the billing amount. It is an example of a screen of the ATM terminal when inputting a PIN. It is an example of a screen of payment completion. FIG. 11 is an example of a system configuration diagram according to a third embodiment of the present invention. FIG. 13 is a flowchart illustrating an example of a process flow according to the third embodiment of the present invention. FIG. 13 is a flowchart illustrating an example of a process flow according to the third embodiment of the present invention.

Explanation of reference numerals

1: Receivable settlement system 2: Store side system 3: Center side system 4: Creditor system 5: Credit card company system 6: Financial institution system 7: Network 8: Card reading means 9: Billing information receiving means 10: Billing information transmission Means 11: Credit inquiry means 12: Billing information receiving means 13: Sales data transmitting means 14: Stored data transmitting means 15: Advance payment receiving means 16: Storage price payment means 17: Trustee account 18: Credit card company account 19: Member Account 20: Creditor account 30: ATM terminal 31: Center system (ATM relay center)
32: ATM card reading means 33: input receiving means 34: center-side credit inquiry means 35: billing amount inquiring means 36: center-side sales data transmitting means 37: sales data converting means 38: center-side stored data transmitting means 39: registration information Means 40: Registration information database

Claims (8)

Claims: 1. A credit settlement system for settlement of a credit using a post-payment settlement method by a credit card, wherein the credit settlement system is an ATM terminal and a center-side system capable of transmitting and receiving data to at least one or more of the ATM terminals. And has
The ATM terminal comprises:
ATM card reading means for reading the data of the credit card of the member inserted into the ATM terminal and transmitting the read data to the center side system;
Input receiving means for receiving data input by the member to the ATM terminal, and transmitting the received data to the center-side system;
The center system includes:
A request is sent to the creditor system, which is the payee of the bond received from the ATM terminal, for an amount of the member's bond (amount to be charged). When the result is received from the creditor system, the request is sent to the ATM terminal. A charge amount inquiry means for transmitting the charge amount,
Sales data conversion means for converting a product code indicating a financial product into a shopping product code in the credit card sales data received from the ATM terminal;
Center-side sales data transmission means for converting the billing amount received from the creditor system by the sales data conversion means and transmitting the converted sales data to a credit card company system,
Center-side storage data transmitting means for transmitting, as storage data, the charged amount and information indicating which member has paid as storage data, assuming that the charged amount has been stored by a credit card. Characteristic receivable settlement system. Claims: 1. A credit settlement system for settlement of a credit using a post-payment settlement method by a credit card, wherein the credit settlement system is an ATM terminal and a center-side system capable of transmitting and receiving data to at least one or more of the ATM terminals. And has
The ATM terminal comprises:
ATM card reading means for reading the data of the credit card of the member inserted into the ATM terminal and transmitting the read data to the center side system;
Input receiving means for receiving data input by the member to the ATM terminal, and transmitting the received data to the center-side system;
The center system includes:
A request is sent to the creditor system, which is the payee of the bond received from the ATM terminal, for an amount of the member's bond (amount to be charged). When the result is received from the creditor system, the request is sent to the ATM terminal. A charge amount inquiry means for transmitting the charge amount,
Based on the credit card data read by the ATM terminal, the member sends an inquiry request as to whether or not credit card settlement is possible to a credit card company system of a credit card company, and transmits the result to the credit card company. Center side credit inquiry means received from the card company system,
Sales data conversion means for converting a product code indicating a financial product into a shopping product code in the credit card sales data received from the ATM terminal;
Center-side sales data transmission means for transmitting the sales data converted by the sales data conversion means to the credit card company system,
Center-side storage data transmitting means for transmitting, as storage data, the charged amount and information indicating which member has paid as storage data, assuming that the charged amount has been stored by a credit card. Characteristic receivable settlement system. The center system includes:
A registration information database that records the payment destination of the loan made by the member in the past, in association with the credit card number,
Based on the credit card number in the credit card data received from the ATM terminal, a payee of the past credit of the member, which is associated with the credit card number, is extracted from the registration information database, and the ATM terminal 3. The claim settlement system according to claim 1, further comprising: a registration information unit that transmits the information to the system. The creditor is an administrative and / or public institution, and the credit is tax and / or public money and / or utility charges,
The claim settlement system according to any one of claims 1 to 3, wherein: A center-side system that accepts settlement of a receivable by a post-payment settlement method using a credit card and that can transmit and receive data to and from at least one or more ATM terminals,
The center system includes:
A request is sent to the creditor system, which is the payee of the bond received from the ATM terminal, for an amount of the member's bond (amount to be charged). When the result is received from the creditor system, the request is sent to the ATM terminal. A charge amount inquiry means for transmitting the charge amount,
Sales data conversion means for converting a product code indicating a financial product into a shopping product code in the credit card sales data received from the ATM terminal;
Center-side sales data transmission means for converting the billing amount received from the creditor system by the sales data conversion means and transmitting the converted sales data to a credit card company system,
A center-side storage data transmitting unit that transmits the charged amount and information indicating which member has paid as storage data to the creditor system, assuming that the charged amount has been stored by a credit card,
A center system comprising: A center-side system that accepts settlement of a receivable by a post-payment settlement method using a credit card and that can transmit and receive data to and from at least one or more ATM terminals,
The center system includes:
A request is sent to the creditor system, which is the payee of the bond received from the ATM terminal, for an amount of the member's bond (amount to be charged). When the result is received from the creditor system, the request is sent to the ATM terminal. A charge amount inquiry means for transmitting the charge amount,
A credit card data read by the ATM terminal is received from the ATM terminal, and based on the received credit card data, a request is made by the credit card company as to whether the member can make a credit card payment. Center side credit inquiry means for transmitting to the credit card company system having, and receiving the result from the credit card company system,
Sales data conversion means for converting a product code indicating a financial product into a shopping product code in the credit card sales data received from the ATM terminal;
Center-side sales data transmission means for transmitting the sales data converted by the sales data conversion means to the credit card company system,
A center-side storage data transmitting unit that transmits the charged amount and information indicating which member has paid as storage data to the creditor system, assuming that the charged amount has been stored by a credit card,
A center system comprising: The center system includes:
A registration information database that records the payment destination of the loan made by the member in the past, in association with the credit card number,
Based on the credit card number in the credit card data received from the ATM terminal, a payee of the past credit of the member, which is associated with the credit card number, is extracted from the registration information database, and the ATM terminal Registration information means to be sent to
The center-side system according to claim 5 or 6, further comprising: The creditor is an administrative and / or public institution, and the credit is tax and / or public money and / or utility charges,
The center-side system according to any one of claims 5 to 7, wherein:

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