JP2002015261A - Method and system for payment using payment slip - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system which securely complete payment by using a specific payment slip. SOLUTION: Payment pages (3, 4) for specific payment are presented to a customer through the Internet. The customer selects a transmission request using the payment slip in the payment pages. In response to the selection of the transmission request, the payment slip to be sent is outputted by a specific printer (5). The outputted payment slip (6) is sent to the customer (7). The sent payment slip is presented to a specific service institution (8) to pay.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method and a payment system using a payment voucher, and more particularly to a method and a system for presenting a payment voucher at a nearby convenience store to make a payment.

[0002]

2. Description of the Related Art In recent years, when ordering goods via the Internet, payment by a credit card is performed as a payment method for the ordered goods. However, a customer who does not have a credit card cannot make a credit card payment. Also, when the customer does not like to input the credit card number due to security or the like, the credit card cannot be settled.

Therefore, as a payment method for ordered goods, a payment method using a payment slip has been proposed. With this method, you pay a payment slip for the item you ordered,
The printout is performed by a printer provided at the customer's home. Then, the payment slip is presented at the nearest convenience store, and payment by cash is performed. It should be noted that the payment slip has a barcode display of the payment slip number associated with the information on the content of the payment.

[0004]

However, in a conventional payment method using a payment slip, if there is a malfunction in a printer installed at the customer's home, for example, the barcode is displayed in a blurred manner on the printed payment slip. May be done. In this case, the convenience store cannot read accurate information on the payment details from the unclear bar code, so that payment using a payment slip cannot be performed.

[0005] The present invention has been made in view of the above-mentioned problems, and has as its object to provide a payment method and system capable of reliably performing payment using a predetermined payment slip.

[0006]

Means for Solving the Problems In order to solve the above problems, in a first invention of the present invention, via the Internet,
A payment page presenting step of presenting a payment page for a predetermined payment to the customer; a selecting step in which the customer selects a payment slip sending request in the payment page; and a sending step in response to the sending request selection. An output step of outputting a payment slip to be output by a predetermined printer device, a sending step of sending the output payment slip to the customer, and a predetermined service organization presenting the sent payment slip to make a payment. Performing a payment step.

[0007] According to a preferred aspect of the first invention, the customer uses a convenience store arbitrarily selected from a number of convenience stores as the predetermined service institution. In this case, prior to the step of presenting the payment page, the method further includes an order page presenting step of presenting an order page for ordering goods to the customer, wherein the payment page includes a payment related to a charge for the goods ordered on the order page. It is preferable to select a request to send a vote.

Alternatively, prior to the payment page presenting step, the method further includes a repayment application page presenting step of presenting the customer with a repayment application page for applying for repayment of the borrowed money. It is preferable to select a request to send a payment slip relating to the repayment amount. In this case, it is preferable that the repayment application page is provided with a repayment amount input field for inputting an amount desired by the customer for repayment.

According to a preferred embodiment of the first invention,
Prior to the order page presenting step or the repayment application page presenting step, the method further includes a login page presenting step of presenting the customer with a login page for authenticating access to the order page or the repayment application page. .

According to a second aspect of the present invention, an information processing apparatus for presenting a selection page for selecting a transmission request of a predetermined payment slip to a customer via the Internet, and in response to the selection of the transmission request, A printer device for outputting a payment slip to be sent to the customer, and presenting the payment slip sent to the customer to a predetermined service institution to make a payment. .

According to a preferred aspect of the second invention, the predetermined service institution is a convenience store arbitrarily selected by the customer from a number of convenience stores. The selection page is provided with a first selection button for selecting a transmission request for the payment slip and a second selection button for selecting output of the payment slip on a printer device on the customer side. Is preferred.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In the present invention, a payment page for a predetermined payment such as payment for an ordered product or repayment of a borrowed money is presented to a customer via the Internet. The customer requests the payment page to be sent on this payment page. In this case, the payment slip to be sent to the customer is printed out (output) by a predetermined printer device in response to the sending request. The payment slip printed out is sent to the customer by mail, for example. The customer presents the payment slip and pays at a predetermined service institution such as a nearby convenience store.

As described above, according to the present invention, not a system in which a payment slip is printed out by a printer provided in a customer's home but a method in which a payment slip clearly printed out by a predetermined printer is sent to the customer. Has adopted. Therefore, at the convenience store, accurate information on the contents of the payment can be read from the barcode of the payment slip clearly printed out, and payment using the payment slip can be reliably performed.

An embodiment of the present invention will be described with reference to the accompanying drawings. FIG. 1 is a diagram schematically showing a configuration of a payment system according to the first embodiment of the present invention. FIG.
FIG. 2 is a diagram schematically showing a configuration of a payment slip issued in the first embodiment. In the first embodiment, the present invention is applied to so-called Internet shopping in which a product is ordered via the Internet.

In the first embodiment, a predetermined Internet shop opens a homepage 1 on the Internet using an information processing device such as a WWW server. When the customer who accesses the homepage 1 clicks the Internet shopping button 1a, a login page 2 is displayed on the computer operated by the customer.
Is presented. The customer inputs an ID number and a password in a predetermined input field 2a of the login page 2.

In this way, the customer whose access legitimacy has been authenticated through the input of the ID number and the password is presented with the product order page 3. The customer, on this product order page 3, selects a product desired to be purchased, that is, performs an order operation, and then clicks a payment button 3a. As a result, the payment slip display page 4 is presented to the customer.

The payment slip (Internet shopping payment slip) displayed on the payment slip display page 4 includes FIG.
As shown in the table, the customer's name 21, Internet shop name 22, CVS number and barcode 23, payment slip number and barcode 24, payment amount 25, payment due date 26, and description on payment method using payment slip Alternatively, an explanatory diagram 27 or the like is displayed.

Here, the CVS number and the bar code 23
Is a number and barcode associated with information about the convenience store to pay. The payment slip number and the barcode 24 are a number and a barcode related to the information regarding the contents of the payment. Therefore, each convenience store refers to a predetermined database formed in, for example, the host computer,
Using the payment slip number and the bar code 24 as keys, information on the contents of payment (payer, payee, payment amount, etc.) can be read out at any time.

The payment slip display page 4 is provided with a send request button 4a for requesting the customer to send a payment slip to his / her home. Further, a printout button 4b for the customer to print out the payment slip at home is provided as needed. In the first embodiment, the customer clicks and selects the send request button 4a. As a result, in response to the selection of the send request button 4a,
For example, a printer device 5 provided at a predetermined data print service center prints out (outputs) the payment slip 6 in the form of a bonded postcard, for example.

The payment slip 6 in the form of a bonded postcard printed out by the printer 5 is
It is sent to the customer's home 7. The customer brings the payment slip 6 sent to the nearest convenience store 8, presents the payment slip 6 to the clerk, and pays by cash. At this time, the clerk reads the barcode 24 of the payment slip number displayed on the payment slip 6 with a barcode reader, and performs a required payment procedure.

FIG. 3 is a diagram schematically showing a configuration of a payment system according to a second embodiment of the present invention. FIG. 4 is a diagram schematically showing a configuration of a payment slip issued in the second embodiment. In the second embodiment, the present invention is applied to repayment of a borrowed money to an insurance company. Since the second embodiment is similar to the first embodiment, the second embodiment will be described below focusing on the differences.

In the second embodiment, a predetermined insurance company has established a homepage 31 on the Internet. The customer accesses the login page 32 by clicking and selecting a login button 31a provided on the homepage 31. Next, the ID number and the password are entered in the predetermined input fields 32a of the login page 32, and the repayment application page 33 is accessed.

The repayment application page 33 displays information such as the name of the customer and the borrowed balance based on the entered ID number and password. Also,
The repayment application page 33 is provided with an input field 33a for inputting the amount that the customer wants to repay, that is, the repayment amount, the date that the customer wants to repay, that is, the scheduled repayment date, and the convenience store that wants the repayment, that is, the repayment schedule CVS. I have. After performing the input operation of the repayment amount and the like, the customer selects and clicks the display button 33b of the payment slip. As a result, the payment slip display page 34 is presented to the customer.

As shown in FIG. 4, the payment slip (repayment receipt slip) displayed on the payment slip display page 34 includes a customer name 41, an insurance company name 42, a CVS number and a bar code 43, and a payment slip. Number and barcode 44, repayment amount (payment amount) 45, repayment date (payment date)
46, an explanatory note or an explanatory drawing 47 relating to a payment method using a payment slip is displayed.

When the customer clicks the send request button 34a on the payment slip display page 34, the printer device 35 provided at the data print service center is selected.
Prints out the payment slip 36 in the form of a postcard. The payment slip 36 printed out by the printer 35 is sent to the customer's home 37. The customer pays out at the nearest convenience store 38 using the payment slip 36 sent as in the first embodiment.

As described above, in each of the above-described embodiments, the payment form is not printed out by the printer provided in the customer's home 7 (37), but the printer 5 provided in the data print service center. (35)
The payment slip 6 (36) printed out clearly is sent to the customer. Therefore, in the convenience store 8 (38), the accurate information on the contents of the payment is read from the barcode of the payment slip number of the payment slip 6 (36) clearly printed out, and the payment using the payment slip 6 (36) is performed. Can be performed reliably.

In each of the above embodiments, the payment slip is printed out in the form of a pasted postcard. However, the present invention is not limited to this. Can also be sent to Specifically, for example, a payment slip printed out on a normal sheet can be put in an envelope and sent by mail or home delivery.

In each of the above embodiments, payment is made at the convenience store. However, the present invention is not limited to this, and payment may be made at another appropriate service organization.

Further, in each of the above-described embodiments, the present invention is applied to the payment of Internet shopping and the repayment of the borrowed money. However, the present invention is not limited to this, but may be applied to other appropriate payments. You can also.

[0030]

As described above, according to the payment method and system of the present invention, accurate information on the contents of payment is read from the barcode of the payment voucher printed out clearly, and payment using the payment voucher is ensured. Can be done.

[Brief description of the drawings]

FIG. 1 is a diagram schematically showing a configuration of a payment system according to a first embodiment of the present invention.

FIG. 2 is a diagram schematically showing a configuration of a payment slip issued in the first embodiment.

FIG. 3 is a diagram schematically illustrating a configuration of a payment system according to a second embodiment of the present invention.

FIG. 4 is a diagram schematically showing a configuration of a payment slip issued in a second embodiment.

[Explanation of symbols]

 1,31 Homepage 2,32 Login page 3 Product order page 33 Repayment application page 4,34 Payment slip display page 5,35 Printer 6,36 Payment slip 7,37 Customer's home 8,38 Convenience store

Claims (9)

[Claims] 1. a payment page presenting step for presenting a payment page for a predetermined payment to a customer via the Internet; a selecting step in which the customer selects a payment slip sending request on the payment page; An output step of outputting a payment slip to be sent by a predetermined printer device in response to the selection of the sending request; a sending step of sending the output payment slip to the customer; A payment step for presenting the completed payment slip to make a payment. 2. The payment method according to claim 1, wherein the customer uses a convenience store arbitrarily selected from a number of convenience stores as the predetermined service institution. 3. An order page presenting step of presenting an order page for ordering goods to the customer prior to the pay page presenting step, wherein the payment page includes a charge for the goods ordered on the order page. 3. The payment method according to claim 1, wherein a request for sending a payment slip is selected. 4. A repayment application page presenting step of presenting the customer with a repayment application page for applying for repayment of a borrowing prior to the payment page presenting step, wherein the payment page includes an application on the repayment application page. 3. The payment method according to claim 1, wherein a request to send a payment slip relating to the repayment amount is selected. 5. The payment method according to claim 4, wherein the repayment application page is provided with a repayment amount input field for inputting an amount desired by the customer for repayment. 6. A login page for presenting a login page for authenticating access to the order page or the repayment application page to the customer prior to the order page presentation step or the repayment application page presentation step. The payment method according to any one of claims 3 to 5, further comprising a presentation step. 7. An information processing apparatus for presenting a selection page for selecting a transmission request of a predetermined payment slip to a customer via the Internet, and transmitting the request to the customer in response to the selection of the transmission request. A payment system comprising: a printer for outputting a payment slip; and presenting the payment slip sent to the customer to a predetermined service institution to make a payment. 8. The payment system according to claim 7, wherein the predetermined service institution is a convenience store arbitrarily selected by the customer from a number of convenience stores. 9. The selection page includes a first selection button for selecting a request to send the payment slip, and a second selection button for selecting output of the payment slip on a printer device on the customer side. The payment system according to claim 7, wherein the payment system is provided.