JP2001291033A - Billing method, billing settlement method, recovery matching method, billing card, billing card issuing device, recovery matching device and billing acting service system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problems that work burdens are large for the company and a self-governing body of a billing origin to perform billing work by paper and the work loads of summing up by the paper are large for a financial institution as well. SOLUTION: This billing card 10 in which information required for the billing of a charge is printed on a print surface and also recorded in an electronic information recording medium on the basis of the billing data of the billing origin 5 is issued in an acting center 7 and delivered to a customer 1. The customer 1 operates the ATMs 21, 31 and 41 of a bank 2, a post office 3 and a convenience store 4 and sends money through a network 9 to the transaction bank 6 of the billing origin or the transaction bank 8 of the acting center.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing method for billing a sales source, a tax, a social insurance premium, a public utility bill, etc. from a billing source such as a company or a local government using a billing card. It is.

[0002]

2. Description of the Related Art Conventionally, payment forms for taxes, social insurance premiums, utility charges, etc., and bills for sales have been sent to the home of each company or individual, based on the transfer forms or bills. Fill in the transfer form and bring it to a financial institution (bank, post office, etc.) or a convenience store to pay.

[0003] At financial institutions, the transfer paper received at the counter is used to perform the work of summarizing for each branch and for each bank, and to send out paper on which payment data is entered for each billing source.

[0004] At the billing source, using the paper sent,
The reconciliation work of the billing data and the payment data is performed.

[0005] As described above, in reality, a series of operations from billing to confirmation of payment are all performed on a paper basis.

Of course, in some cases, barcodes printed on paper are read by OCR to reduce input, but the overall load in a series of operations has not been reduced.

[0007]

However, it is burdensome for companies and municipalities to perform billing work on paper, and financial institutions also have a heavy work load for counting paper and the like, and OCR systems that read barcodes are quite expensive. Investment burden.

[0008] Further, depending on the product such as an admission ticket or air ticket, it may be necessary to send the product again from the billing source after confirming payment.

[0009]

In order to solve the above-mentioned problems, the present invention provides a method for printing information necessary for billing on a printing surface based on billing data of a billing source and digitizing information recording medium. This is to use the billing card recorded in.

[0010]

FIG. 1 is a system configuration diagram showing an embodiment of the present invention.

The customer 1, the customer's bank 2, and the post office 3
The convenience store 4, the billing source 5, the billing bank 6, the agency center 7, and the agency bank 8 are connected by a network 9, such as a telephone line, a digital line, and the Internet.

The customer 1 is a person who pays various fees and is a so-called payer, but need not necessarily be connected to the network 9. For example, the customer 1 may order goods from the billing source 5 through the Internet network 9 or may order by letter or verbal, and there is no need to order utility bills and the like.

There may be a plurality of billing source transaction banks 6 and agency center transaction banks 7, and other financial institutions may be used.

Further, an agent center 7 is provided on the assumption that a series of operations from the operation of issuing the invoice card 10 based on the invoice data from the invoice source 5 to the payment confirmation operation is outsourced as an invoice agent service system. However, it goes without saying that the billing source 5 itself may perform a series of operations, or a calculation center or the like of a bank may perform the operations.

The billing data is sent from the billing source 5 to the network 9
Or directly to the agency center 7 by MT (magnetic tape), FD (floppy disk) or the like, and the agency center 7 issues a billing card 10 based on the billing data by a billing card issuing device composed of a computer or the like. The billing card 10 is sent to the customer 1 by means such as mail, mail, or the like.

FIG. 2 is a view showing an embodiment of the billing card, wherein (a) shows the front side and (b) shows the back side.

The billing card 10 is an alternative to a conventional bill or transfer paper, and has a printing surface 1 as shown in FIG.
01, the billing content is printed, and a magnetic stripe 102 as an electronic information recording medium is printed on the back side shown in FIG.
Is attached.

The billing content is information necessary for billing the fee, and information such as billing source, payer, subject, billing amount, transfer destination and date are printed on the printing surface 101 as shown in FIG. The information is further recorded on the magnetic stripe 102 with necessary information such as a code number.

This billing card 10 is an automatic machine such as that shown in FIG.
ATM 21 of Bank 2, ATM 31 of Post Office 3,
The cash card has the same size and some rigidity so that it can be used for payment from the ATM 41 of the convenience store 4. Therefore, paper having a certain thickness is suitable at a low price.

Further, a PET card (PET: polyethylene terephthalate resin), which is a display layer formed of a rewritable material and used as a point card in a store or the like, is also used for the billing card 10. Can be.

This PET card can be erased by heating or losing magnetism to erase the printing, and can be reprinted and reused, contributing to resource recycling.

It should be noted that the billing card 10 corresponds to each one of a transfer paper and a bill, and one billing card is bound to a booklet type binding one year, such as a local tax or social insurance premium. In order to make the correspondence in step 10, it is necessary to devise a method such as erasing the printing of the paid month using the PET card and reprinting the billing data of the next month.

FIG. 3 is a diagram showing a data flow in the embodiment of the present invention.

When the customer 1 places an order for a product, for example, the billing source 5 creates billing data as information necessary for billing the product and sends it to the agency center 7.

The agency center 7 issues a billing card 10 based on the billing data on behalf of the billing source 5 and sends it to the customer 1.

The customer 1 goes to, for example, the bank 2 based on the billing card 10 and makes payment at an automatic machine such as an ATM or at a counter. Of course, A at a nearby convenience store 4
You may pay from TM.

The customer's bank 2 remits money to the agency bank 8 or the billing bank 6 based on the designation of the transfer destination.

From the agency bank 8 or the billing bank 6, the payment data compiled based on the digitized information recorded on the billing card 10 is transmitted to the agency center 7.

In the agency center 7, the billing data and the payment data are compared and digitized by the collection matching device composed of a computer and the like, and the data is transmitted to the billing source 5. If the remittance has been sent to the agency bank 8 of the agency center, the remittance is instructed to the agency bank 8 of the agency center to the designated bank of the designated billing source from the billing source 5.

The transaction bank 8 of the agency center remits to the transaction bank 6 of a predetermined billing source.

The remittance between these banks is settled by a national bank data communication system or the like.

FIGS. 4 to 7 are flow charts showing an embodiment of the present invention.

In the embodiment of the present invention, charges such as a sales price, a tax, a social insurance fee, and a public utility fee are charged and paid by a billing card 10, which will be described with reference to FIG.

In step S1, the billing source 5 creates billing data based on the digitized information.
To the agency center 7 or deliver the MT or FD.

The agency center 7 prepares the billing card 10 by printing and digitizing information from the billing data at step S3 by the billing card issuing device at step S4.
To deliver to the customer (payer) 1.

The customer 1 receives the billing card 10 in step S5 and pays it from a cash or deposit account in step S6. At this time, as shown in step S7, for example, the bank ATM 2
Payment may be made by an automatic machine such as a convenience store ATM 41 in step 1 or step S8, or may be left to the payment operation performed by an operator at a teller machine equipped with a card reader at the teller of the bank 2 as in step S9. .

If an automatic machine is used, step S1
At 0, it is checked whether or not the payment deadline is over at the ATMs 21, 41. If it is not over, the process proceeds to step S11, and if over, the process proceeds to step S22 of FIG.

In step S11, after the operator checks the payment deadline at the teller of the bank 2, the customer 1 confirms the amount of money including the case where the teller device is operated.

The contents of the bill can be confirmed by the information printed on the bill card 10, but from the viewpoint of preventing the forgery of the bill card 10, when an automatic machine is used, the ATM is further added.
The billing amount is displayed on 21, 41, and the customer 1 confirms the amount by pressing the confirmation button by himself.

If the amount is incorrect, the process returns to step S6 and starts over. If the amount is correct, the process returns to step S12.
Then, the ATMs 21 and 41 display the receipt on the printing surface of the billing card 10. The receipt is indicated by the date of receipt and the printed or stamped receipt.

Also, instead of displaying the receipt, step S1
The receipt card may be issued as shown in FIG. 3, and in the case of the billing card 10 to be reused, the billing card 10 is further collected in step S14 and the billing card 10 in step S3 is collected.
May be used to create

The bank 1 of the customer 1 or the bank of the convenience store 4 aggregates the payment data based on the digitized information recorded on the billing card 10 in step S15, and the transaction bank 8 of the agency center or the transaction of the billing source. Bank 6
Send money to.

Whether to use the bank 8 of the agency center or the bank 6 of the billing source may be determined at the outset, and in any case, remittance is made to a bank designated as a transfer destination in advance.

The agency bank 8 of the agency center executes step S16.
Or in step S17, the house bank 6 of the billing source compiles the deposit data and, by inquiry from the agency center 7 through the network 9 or transmission of the house banks 6, 8 itself, the aggregated deposit data is transferred to the agency center 7. Sent to.

The transmission of the deposit data may be carried out by real processing or batch processing, and can be carried out in the same manner even when there are a plurality of banks 6.

In the agency center 7, in step S18, the collection matching device compares the billing data of the digitized information at the time the billing card 10 was created with the deposit data of the received digitized information, and performs a collection. Make a match.

In step S19, the application data is transmitted to the billing source 5. In step S15, billing source bank 6
If the money has been remitted, the series of operations ends in step S19.

In step S20, the agency center 7 instructs the transaction bank 8 of the agency center to transfer money to the billing source bank 6.

The transaction bank 8 of the agency center remits money to the billing source bank 6 in accordance with the remittance instruction from the agency center 7, and a series of operations is completed.

Now, returning to step S10, if the payment deadline is over, the process proceeds to step S22 in FIG.
The TMs 21 and 41 display whether or not to make an inquiry to the agency center 7, and if the customer 1 does not wish, display a guide to pay at the counter in step S23, discharge the billing card 10 in step S24, and return to step S9. Return.

On the other hand, if the customer 1 wishes to make an inquiry in step S22, the client 1 requests the agency center 7 to calculate a credit in step S25.

In this way, the ATMs 21 and 41 and the computer of the agency center 7 are connected, and the agency center 7 activates the credit calculation program in step S26.

In the agency center 7, the payment due date, the payment date,
Calculate the credit from the interest rate, etc., and in step S28, ATM
21 and 41 show the total amount of the credit and the total amount of payment.

In accordance with this, the customer 1 pays the total payment including the delay money in step S29. At this time, step S1
It goes without saying that the operation returns to 1 to perform the operation of confirming the amount displayed on the ATMs 21 and 41.

FIG. 8 shows an example of a billing card and various tickets. In this case, a ticket for a concert is shown.

The billing card 10 on which receipt has been displayed is
When using as various tickets such as admission tickets, use tickets, air tickets, etc., for example, as shown in FIG. Is completed, the receipt is displayed, and the ticket can be used as both a billing card and an entrance ticket.

In the case of an air ticket, if the received electronic information is recorded on a magnetic stripe, it can be read by an automatic machine at the airport and can be used as a boarding pass as it is.

FIG. 9 is a diagram showing a billing card on which an advertisement is printed.

The advertisement is printed in the margin of the billing card 10. In the case of the rewritable billing card 10, the advertisement can be reprinted.

[0060]

As described above, the present invention uses a billing card in which information required for billing is printed on a printing surface and recorded on an electronic information recording medium, so that the billing card can be erased from the billing. The above operations can be carried out with the digitized information, the work load can be greatly reduced, errors in counting and the like can be eliminated, and time can be reduced and operation costs can be reduced.

For the customer, payment can be made at any place where the automatic machine is installed, 24 hours a day, with reduced waiting time, and the convenience is extremely high.

Further, the billing card indicating the receipt can be used as various tickets such as an admission ticket or an air ticket, and it is not necessary to deliver various tickets again after payment.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing an embodiment of the present invention.

FIG. 2 is a diagram showing an embodiment of a billing card of the present invention.

FIG. 3 is a diagram showing a data flow in the embodiment of the present invention.

FIG. 4 is a flowchart (part 1) of the embodiment of the present invention.

FIG. 5 is a flowchart (part 2) of the embodiment of the present invention.

FIG. 6 is a flowchart (part 3) of the embodiment of the present invention.

FIG. 7 is a flowchart (part 4) of the embodiment of the present invention.

FIG. 8 is a diagram showing an example of a billing card and various tickets.

FIG. 9 is a diagram showing a billing card on which an advertisement is printed.

[Explanation of symbols]

 1 customer 2 customer's bank 21,31,41 ATM 5 billing source 6 billing source's bank 7 agency center 8 agency bank at agency center 9 network 10 billing card 101 printing surface 102 magnetic stripe S1-S29 step

Claims (16)

[Claims] Based on the billing data of a billing source, information required for billing is printed on a printing surface and a billing card recorded on an electronic information recording medium is issued to bill a payer. Claims method characterized by the above-mentioned. 2. The billing method according to claim 1, wherein the information required for billing the fee is at least information of a billing source, a payer, a subject, a billed amount, a transfer destination, and a date. 3. When a bill is made by the billing method according to claim 1 or 2, a payer performs a payment operation using an automatic machine using the billing card, and the automatic machine displays a receipt on the billing card. Or a receipt issuance method. 4. When a claim is made by the billing method according to claim 1 or 2, an operator of a financial institution performs a payment operation at a teller machine using the billing card, and the teller machine receives the bill on the billing card. Or issuing a receipt. 5. The bill settlement method according to claim 3, wherein the display of the receipt is performed by printing or stamping on a printing surface of the bill card. 6. The bill settlement method according to claim 3, wherein said received information is recorded on said electronic information recording medium. 7. A billing method according to claim 1 or 2, wherein when a payment operation is performed using the billing card,
A collection matching method, wherein the digitized information of the billing data is compared with the digitized information of the deposit data based on the digitized information recorded on the billing card to apply the data. 8. A card having a printing surface and an electronic information recording medium, wherein information required for billing is printed on the printing surface and recorded on the electronic information recording medium. And billing card. 9. The card according to claim 8, wherein the printing surface is paper, and the electronic information recording medium is a magnetic stripe. 10. The display device according to claim 8, wherein the printing surface is formed of a display layer formed of a rewritable material.
The billing card described. 11. A billing card which is used as various kinds of tickets by performing a payment operation using the billing card according to any one of claims 8 to 10 and displaying receipt. . 12. The billing card according to claim 8, wherein an advertisement is printed on the printing surface. 13. A billing card in which information necessary for billing is printed on a printing surface and a billing card recorded on an electronic information recording medium is issued based on billing data of a billing source. Card issuing device. 14. Based on the billing data of the billing source, information required for billing is printed on a printing surface and a billing card recorded on an electronic information recording medium is read to perform a deposit operation. An automatic machine for displaying receipt or issuing a receipt on a billing card. 15. A case where information necessary for billing is printed on a printing surface and a payment operation is performed using a billing card recorded on an electronic information recording medium based on billing data of a billing source. A collection matching device for comparing the digitized information of the billing data with the digitized information of the deposit data based on the digitized information recorded on the billing card to perform the reconciliation. 16. A billing card in which information necessary for billing is printed on a printing surface and recorded on an electronic information recording medium based on billing data of a billing source, and the billing card is used. When the payment operation is performed, the digitizing information of the billing data is compared with the digitizing information of the deposit data based on the digitizing information recorded on the billing card, and the billing is performed. Agency service system.