JP2001338255A - Billing and payment collation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a billing and payment collation system, capable of collectively managing bills which are required at each selling and buying, electronically easily and surely performing sending of bills or payment and further enabling a charging source to electronically easily grasp the bill, to which the payment from a charging destination is performed. SOLUTION: By sending billing information from a charging source terminal to a managing server regardless of the charging destination, the managing server performs required work of desk works, such as totaling or dispatching for each charging destination. By designating the billing information to perform payment out of the billing information addressed to the charging destination itself by accessing the managing server from the charging destination terminal, the managing server makes a linked financial institution server perform a payment procedure. Since one unique value is added to one-time payment, the billing corresponding to that payment can be presented, as required.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bill payment collation system for electronically managing billing, payment, collation, and the like performed based on a bill.

[0002]

2. Description of the Related Art In the sale of goods mainly between companies, etc., the payment is made by sending an invoice from the seller to the buyer each time the sale is made, and the buyer collects the invoice at regular intervals and purchases the purchase price. Is generally paid to the seller in a lump. For this reason, the seller must prepare and mail an invoice each time a transaction is made and write it in the ledger, while the buyer must write the received invoice in the ledger. However, each payment date must be totaled for each seller and payment processing must be performed, which is not only extremely complicated and time-consuming, but also requires careful attention.

[0003] Further, for example, when the processing of an invoice is delayed and the payment or a part of the payment is transferred to the next payment, the seller can understand which invoice was paid by the buyer. Because of this, it was necessary to check with the buyer and the bank, which was cumbersome and troublesome for the accounting staff.

[0004]

SUMMARY OF THE INVENTION According to the present invention, not only is it possible to collectively manage bills required each time a transaction is made, and to easily and reliably send and pay bills electronically, It is an object of the present invention to provide a bill payment collation system that allows a seller to easily and electronically grasp which bill was paid.

[0005]

A bill payment collation system management server according to the present invention is provided. The management server records the billing information having the serial number sent from the billing source terminal via the communication network, or adds the serial number to the billing information if there is no serial number, and records the billing information in a database. Disclose the bill information in the database to the billing destination terminal via. When payment request information is sent from the billing destination terminal, payment instruction information is created for the bill information that the billing party has approved for payment based on the payment request information, and even if the payment instruction information is associated with the payment instruction information Even if there are multiple payment instructions, the payment instruction information is recorded in a database with one unique value added thereto and sent to the server of the affiliated financial institution via the communication network. On the other hand, the unique value of the payment instruction information created based on the payment request information is sent to the billing source terminal. When a payment is made based on the payment instruction information, the result of the payment to the billing source account for the payment, together with the unique value of the payment instruction information, is notified from the financial institution having the billing source account to the billing source terminal.

[0006] Accordingly, the billing source, which is a seller, sends a bill to the management server regardless of the billing destination, so that the management server performs necessary clerical work. Eliminates the need to perform accurate tasks such as billing and shipping of bills, and also eliminates the need for buyers to perform accurate tasks such as billing and payment for each billing source. . Also, one unique value is assigned to one payment for the bill specified by the billing party, and the management server can extract the bill information corresponding to the payment from the database by the unique value. By making an inquiry from the billing source terminal to the management server as necessary, a bill corresponding to the payment can be presented.

As another application example of the bill payment matching system according to the present invention, the management server can be configured to include the following steps. Invoice information having a serial number sent from the billing source terminal via the communication network,
Or, if there is no serial number, add a serial number to the invoice information,
The bill information is recorded in the database and the bill information in the database is disclosed to the billing destination terminal via the communication network. When payment request information is sent from the billing destination terminal, payment instruction information is created for the bill information that the billing party has approved for payment based on the payment request information, and even if the payment instruction information is associated with the payment instruction information Even if there are multiple payment instructions, the payment instruction information is recorded in a database with one unique value added thereto and sent to the server of the affiliated financial institution via the communication network. On the other hand, the unique information of the payment instruction information created based on the payment request information and the serial number attached to the bill information associated with the payment instruction information are sent to the billing source terminal, and the payment is made. The financial institution having the billing source account notifies the billing terminal of the payment result information to the billing source account for the payment made based on the instruction information, together with the unique value of the payment instruction information.

In this application example, the unique information of the payment instruction information and the serial number attached to the bill information associated with the payment instruction information are different from the above application example in that
Since the data is also sent to the billing source terminal, the billing source stores the data on a recording medium to uniquely identify the bill corresponding to the unique value even when the management server is not running. Work can be performed.

[0009] In still another application of the bill payment matching system according to the present invention, the management server may include the following steps. The billing information having the serial number sent from the billing source terminal via the communication network or, if there is no serial number, adding the serial number to the billing information and recording it in the database, and charging the billing information via the communication network. Disclose the bill information in the database to the previous terminal. When payment request information is sent from the billing terminal,
Based on this payment request information, payment instruction information is created for the invoice information for which the billing party has approved the payment, and even if there is more than one invoice information associated with the payment instruction information, one unique value is included in the payment instruction information Is recorded in a database, and sent to a server of a partner financial institution via a communication network. When the payment result information to the invoicing account for the payment made based on the payment instruction information is sent from the partner financial institution server, the payment result information is recorded, and the payment attached to the payment result information is recorded. Using the unique value of the instruction information and the serial number attached to the invoice information associated with the payment instruction information, create payment notification information based on the payment result information, and at least generate the payment result All or a part of the information and the serial number attached to the bill information associated with the unique value of the payment instruction information corresponding to the payment result information are sent to the billing source terminal.

In this application example, since the management server also receives and records the information regarding the payment processing to the billing source of the affiliated financial institution as compared with each of the above application examples, for example, conversion from dollars to yen Is required, the rate can be recorded with an actual value instead of an estimated value. As a result, it is possible to inquire a bill corresponding to one payment based on requirements other than the unique value, for example, a deposit amount, a deposit date, and the like.

[0011] The billing payment collating system according to the present invention is also characterized in that when the management server sends inquiry information specifying a unique value, a processing date or an amount from the billing source terminal,
Invoice information corresponding to the unique value, processing date or amount is extracted from the database to create answer information,
Alternatively, when inquiry information specifying the amount paid to the billing source from the partner financial institution is sent from the billing source terminal, the billing information corresponding to the amount is extracted and calculated from the database and the answer information is created. However, the answer information may be sent to the billing source terminal.

In the billing payment collating system according to the present invention, the billing source terminal further associates the unique value of the payment instruction information received from the management server with the serial number attached to the bill information associated with the payment instruction information. By using the payment result information received from the financial institution server where the billing source account is located, the billing information transferred to the billing source account can be specified.

[0013] In the bill payment collation system according to the present invention, the management server responds to the inquiry when the inquiry information of the bill information for which the billing source has been paid is sent from the billing source terminal from the affiliated financial institution. The bill information may be extracted from the database to create answer information, and the answer information may be sent to the billing source server.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION

[Embodiment 1] A bill payment collation system according to an embodiment of the present invention electronically manages billing, payment, collation, and the like performed based on an invoice, which is a work issued at the time of selling or buying goods or providing a service. And a management server 1 as shown in FIG. Management server 1
Is the terminal 2 of the billing source that is the seller and the issuer of the bill
And communication terminals N1, N2 and N3 to the terminal 3 of the billing party as the buyer and the server 4 of the affiliated financial institution.
Are connected to each other.

The billing source terminal 2 and the affiliated financial institution server 4 are shown to be connected to each other via a communication network N4 in the case shown. However, information can be transmitted using the communication network N4 as long as it can transmit information communication regarding the payment result of the affiliated financial institution described below to the billing source. It can also be accomplished by such means as a human posting in the account's passbook. On the other hand, although not particularly limited, the communication networks N1, N2, N3,
A general-purpose network such as the Internet or i-mode (trademark) communication may be used as N4, but in this case, measures should be taken to prevent the contents of transmission and reception from leaking outside.

Further, the information communication regarding the result of the payment processing to the billing source is not limited to only from the affiliated financial institution, but also includes a case where the information is communicated from another financial institution having the account of the billing source. For this reason, in the description of this specification, the term “affiliated financial institution server” mainly includes “other financial institution having an account of the billing source” in the case of description of information communication regarding payment processing to the billing source. Note that

The bill information D1 is sent from the billing source terminal to the management server 1 via the communication network N1. The management server 1 records each bill information D1 sent from the billing source terminal 2 in the database 1a, and bills billing notification information D2 created based on the bill information D1 via the communication network N2. It is disclosed to the billing destination terminal 3 included in the book information D1. The bill information D1 includes information on general bills such as a bill number, a billing source, a billing destination, a billing content, a billing amount, and other billing information in order to facilitate management in the management server 1. It is also preferable to include a serial number assigned to each. On the other hand, the billing notification information D2 is
It is sufficient for the billing party, billing contents, billing amount, etc. to be at least from where the billing is made and what information the billing party can understand.

The billing party who has received the billing notice information D2 accesses the management server 1 from the billing destination terminal 3, displays the billing information addressed to itself on the billing destination terminal 3, and selects the billing information to be paid. Then, payment request information D3 is created, and the payment request information D3 is transmitted to the management server 1 together with information on the account for making payment.

When the payment request information D3 is sent from the billing destination terminal 3 to the management server 1, the management server 1 creates payment instruction information D4 based on the payment request information D3. The payment instruction information D4 includes information on the billing source account that is the payee,
It is preferable to include information relating to the account of the billing party that is the payment source, and the payment amount that is the total amount of the billing amounts of the bill information requested to be paid. The payment instruction information D4 is attached with a unique value and associated with the serial number of each bill information,
a and is sent to the affiliated financial institution server 4 via the communication network N3. The management server 1 creates payment notification information D5 based on the payment instruction information D4 or the response from the affiliated financial institution server, and provides the payment notification information along with the unique value of the payment instruction information D4 and the serial number of the bill to be paid. D5 is sent to the billing source terminal 2. At this time, it is preferable that the management server 1 sends the linking information between the unique value and the serial number of the bill information D1 together to the billing source terminal 2 and records it on the storage medium of the billing source. On the other hand, the payment notification information D5 includes, but is not limited to, a billing party as a payment source, a deposit amount, and payment instruction information D to a partner financial institution server.
4 processing date.

Here, the payment to the billing source can be made to be deposited in the account of the billing source without transmitting the payment instruction information D4 to the partner financial institution server 4,
For example, it will be readily appreciated that the billing party may go to the counter of a financial institution to make a transfer or remittance. In this case, for example, the unique value needs to be described in the transmission item column of the remittance request form so that the billing source can understand that the remittance corresponds to the unique value described later.

When the required payment processing is completed based on the payment instruction information D4, the affiliated financial institution server 4 creates payment result information D6 and makes a request from the affiliated financial institution server 4 together with the unique value attached to the payment instruction information D4. Notify the former terminal 2. As described above, the means for notifying the payment result information D6 and the unique value is not only electronically transmitted from the affiliated financial institution server 4 to the billing source server 2 via the communication network N4, but also by the person who is the billing source. It is desirable to be able to perform by means such as registering in a passbook.
Further, the payment result information D6 preferably includes a billing party as a payment source, a payment amount, and a unique value added to the payment instruction information D4.

The billing source is payment result information D from a financial institution.
6. When receiving the payment information 6, when the customer wants to know which invoice was made, the inquiry information D is basically specified by designating the unique value attached to the payment result information D6.
7 from the billing source terminal 2 to the management server 1,
The management server 1 extracts the bill information corresponding to the unique value from the database 1a to create answer information D8,
It is displayed on the billing source terminal 2. The answer information D8 is sufficient enough for the billing accountant to know which bill was paid, for example,
It may be a content listing only the serial numbers of the bill information.

The most preferable example of the requirement specified in the inquiry information D7 is a unique value of the payment instruction information D4 received by the billing source terminal 2 from the management server 1. When the inquiry information D7 specifying the unique value is sent from the billing source terminal 2, the management server 1 adds the inquired unique value and the billing information D1 associated with the payment instruction information D4 corresponding to the unique value. The invoice information D1 deposited in the account of the invoicing source can be specified using the information associated with the attached serial number.

As the requirements specified in the inquiry information D7, requirements other than the above-mentioned unique value, for example, the processing date of the payment notification information D5, the payment amount and the payment date notified by the payment result information D6 can also be used. . In the case of the inquiry information D7 specifying the processing date of the payment notification information D5, the management server 1 extracts the corresponding bill information from the database 1a and creates the answer information D8, as in the case of the unique value described above, It is displayed on the billing source terminal 2. In the case of the deposit amount or the deposit date, the management server 1 stores the invoice information in which the sum of each invoice amount and the deposit amount match, or the invoice information in which the processing date of the payment notification information D5 and the deposit date match, in the database 1a. It is preferable to be able to not only extract from, but also to extract what is common sense. Thereby, for example, when there is a gap between the processing date of the payment notification information D5 and the payment date as in the case of payment processing in the form of a document, or the charge amount and the payment amount are changed by an exchange rate or a bank fee. This can sufficiently cope with the case where the deviation occurs.

Thus, the billing source, which is a seller or a service provider, sends the bill to the management server 1 regardless of the billing destination.
By sending to the management server 1, administrative work such as totaling and shipping of bills for each billing destination can be processed by the management server 1, not only can the labor required for such processing be saved,
If necessary, a bill corresponding to the payment can be presented by specifying the unique value, the processing date, and the amount. On the other hand, for the billing party who is the purchaser, since the administrative server 1 processes the administrative work such as totaling and paying the bills for each billing source, the labor required for the processing can be omitted.

In the case where the link information between the unique value of the payment instruction information D4 and the serial number of the bill information D1 is sent to and recorded in the billing terminal 2, the billing information corresponding to the billing terminal 2 alone Can be extracted, so that the labor and cost for connecting to the management server 1 can be eliminated, and the corresponding bill information can be extracted even when the management server 1 is not operating.

[0027]

[Embodiment 2] A billing payment collation system according to another embodiment of the present invention, as shown in FIG. 2, is a payment result sent together with a unique value from the partner financial institution server 4 to the billing source terminal 2 in the above embodiment. The configuration is the same as that of the above-described embodiment except that the handling of the information D6 is different. Payment result information D6
Is sent from the affiliated financial institution server 4 to the management server 1, where the management server 1 additionally records data on the result to the invoice information D 1 corresponding to the payment result information D 6, and based on the payment result information D 6. To generate the payment notification information D9 and send it to the billing source terminal 2 together with the unique value. Therefore, in the above embodiment, the payment instruction information D4
The step of sending the payment notification information D5 from the management server 1 to the billing source terminal 2 at the time of transmission to the affiliated financial institution server 4 may be omitted. Further, the same means as in the above-described embodiment, that is, a means for directly or electronically notifying the billing source from the partner financial institution to the billing source may be used for the notification of the payment result information D6 to the billing source. .

The billing payment matching system in this embodiment is characterized in that the management server 1 also receives and records in the database 1a information relating to the payment processing of the partner financial institution to the billing source as compared with the above embodiment. have. Thereby, the billing payment matching system of the present embodiment, for example, when it is necessary to convert from dollars to yen, it is possible to record the rate with an actual value instead of an estimated value,
Further, it is possible to know whether the billing party who paid the bill paid the entire billed amount or paid the amount after subtracting expenses such as bank charges. This is due to the fact that when inquiring for an invoice for a single payment, in addition to deterministic requirements such as unique values and payment dates, there are also requirements that include uncertainties such as deposit amounts. It means that we can respond reliably.

[Brief description of the drawings]

FIG. 1 is a schematic diagram illustrating a bill payment collation system according to an embodiment of the present invention.

FIG. 2 is a schematic diagram illustrating a bill payment matching system according to another embodiment of the present invention.

[Explanation of symbols]

Reference Signs List 1 management server 1a database 2 billing terminal 3 billing terminal 4 partner financial institution server N1, N2, N3, N4 communication network D1 bill information D2 bill notification information D3 payment request information D4 payment instruction information D5 payment notification information D6 payment result Information D7 Inquiry information D8 Answer information D9 Payment notification information

Continued on the front page (72) Inventor Mitsuo Fujimoto 4-9-1-907 Inagekaigan, Mihama-ku, Chiba-shi, Chiba F-term (reference) 5B049 AA06 BB00 CC36 DD05 EE05 GG04 GG07 5B055 CB09

Claims (7)

[Claims] 1. A bill payment collation system comprising a management server, wherein the management server receives bill information having a serial number sent from a billing source terminal via a communication network, or when there is no serial number. Adds a serial number to the bill information, records it in the database, discloses the bill information in the database to the billing terminal via the communication network, and receives payment request information from the billing terminal. Creates payment instruction information for the invoice information for which the billing party has approved the payment based on the payment request information, and even if there is more than one invoice information associated with the payment instruction information, one unique payment instruction information While adding the value and recording it in the database, and sending it to the server of the partner financial institution via the communication network, the billing source made based on the payment instruction information A bill payment collation system, wherein the result of payment to the account is notified from the financial institution having the bill source account to the bill source terminal together with the unique value of the payment instruction information. 2. A bill payment collation system including a management server, wherein the management server receives bill information having a serial number sent from a billing source terminal via a communication network, or when there is no serial number. Adds a serial number to the bill information, records it in the database, discloses the bill information in the database to the billing terminal via the communication network, and receives payment request information from the billing terminal. Creates payment instruction information for the invoice information for which the billing party has approved the payment based on the payment request information, and even if there is more than one invoice information associated with the payment instruction information, one unique payment instruction information While adding the value to the database and sending it to the server of the partner financial institution via the communication network, the payment finger created based on the payment request information The unique information of the billing information and the serial number attached to the bill information associated with the payment instruction information are sent to the billing source terminal, and the billing source of the billing source made based on the payment instruction information is also sent. A bill payment collation system, wherein the result of payment to the account is notified from the financial institution having the bill source account to the bill source terminal together with the unique value of the payment instruction information. 3. A bill payment collation system including a management server, wherein the management server receives bill information having a serial number sent from a billing source terminal via a communication network, or when there is no serial number. Adds a serial number to the bill information, records it in the database, discloses the bill information in the database to the billing terminal via the communication network, and receives payment request information from the billing terminal. Creates payment instruction information for the invoice information for which the billing party has approved the payment based on the payment request information, and even if there is more than one invoice information associated with the payment instruction information, one unique payment instruction information A value is recorded in the database and sent to the partner financial institution's server via the communication network. When the payment result information is sent from the partner financial institution server, the payment result information is recorded, and the unique value of the payment instruction information attached to the payment result information and the invoice information associated with the payment instruction information are recorded. Using the information associated with the serial number attached, create payment notification information based on the payment result information, and at least correspond to all or a part of the payment result information and the payment result information A bill payment collation system comprising: sending a serial number attached to bill information associated with a unique value of payment instruction information to a billing source terminal. 4. The management server, when inquiry information specifying a unique value, a processing date or an amount is sent from the billing source terminal, invoice information corresponding to the unique value, the processing date or the amount is stored in a database. 4. The billing payment collating system according to claim 1, wherein the answering information is extracted and created, and the answering information is sent to the billing source terminal. 5. The billing source terminal uses the unique value of the payment instruction information received from the management server and the serial number attached to the bill information associated with the payment instruction information, and 3. The bill payment collation system according to claim 2, wherein the bill information received in the billing source account is specified from the payment result information received from the financial institution having the account. 6. The management server, when inquiry information designating the amount paid to the billing source from the partner financial institution is sent from the billing source terminal, extracts the bill information corresponding to the amount from the database. 4. The bill payment collating system according to claim 1, wherein the reply information is created by calculation and the reply information is sent to a billing source server. 7. The management server, when inquiry information of the bill information received from the partner financial institution at the billing source is sent from the billing source terminal, extracts the bill information corresponding to the inquiry from the database. 4. A bill payment collation system according to claim 3, wherein the reply information is created by the user and the reply information is sent to the billing source server.