JP2002175485A - System for issuing use details, method for notifying use details and service program for issuing use details - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for issuing use details for notifying a user of use details individually issued by service agents in a batch so as to allow the user to grasp the use situations of various services as a whole a method for notifying use details for allowing the user to confirm the contents of the use details each time the settlement of credits that the user used is conducted and a service program for issuing use details. SOLUTION: Each time the money reception or payment of the deposit of a user A or the automatic withdraw of various fees from the deposit account of the user A is conducted, a use detail notification mail transmitter 3 adds the details to the text of an electronic mail, and transmits it through an Internet 8 to a terminal 1 of the user A. Each time the credit use of the user A is detected, a use detail notification mail transmitter 4 of a credit company adds the details to the text of an electronic mail, and transmits it to the terminal 1 of the user A.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a usage statement issuing technique and a usage statement notification technique for issuing to a user usage specifications of a plurality of service providers such as deposits and withdrawals, credit cards, communication costs, and utility costs.

[0002]

2. Description of the Related Art Conventionally, as shown in FIG. 20, a credit sales company such as a credit company and service providers 21 such as a telecommunications company, a public service institution, a financial institution, etc. Sign a service contract,
Receive payment for services provided, such as credit card, wired telephone, mobile phone, satellite broadcasting, electricity, gas, water, etc., from the user's payment account by debiting it, etc., and use details such as service provision date, service use amount,
Each service provider stores the billing amount, debit information, etc. in its own database, and each service provider retrieves monthly usage statement data of each user from its own database, prints it on paper, and writes it in paper (use ), And mailed or delivered to the user, mainly as a sealed letter, individually entrusted to the mailing company 24 or the like.

[0003] In addition, after a bank account balance and a usage statement are authenticated, voice (telephone) for inquiry of the balance and deposit / withdrawal statement is performed.
There are financial institutions that provide response services, and credit companies that make it possible to view the status of use of credit cards on the Internet after authentication. Also,
Japanese Patent Application Laid-Open No. 2000-207746 discloses an information distribution system that distributes a credit card statement using the Internet.

[0004]

In the case where the usage statement is mailed to the user A as described above, as shown in FIG. 21, usage from a plurality of service providers 21-1, 21-2, 21-3,. Since the statements etc. are sent individually by mail, the user receives multiple usage statements at different times, opening and confirming the contents, subsequent organization, management of records etc. are troublesome and troublesome, Furthermore, there is a problem that errors, oversight, and loss are likely to occur.

[0005] In addition, since the mailing time is considerably later than the time of automatic debit or credit purchase, if there is an incorrect debit or improper billing, the user is late in noticing it and may suffer damage. Was. For example, in the past, when using a credit card to make a purchase, the credit card is usually stolen since the credit card company usually sends a credit statement about one month after shopping. Even if others misuse it,
There is a possibility that damage will increase because it is not known until one month has passed.

When a credit card is used,
There is an additional grace period from the time you use your card to when your money is deducted from your bank account, and this grace period can be beneficial depending on how you use your credit card,
Disadvantages, for example, there is a problem in that it is not possible to grasp how much the user has spent, and that there is a possibility that the user will over-shop and exceed the budget, or exceed the deposit amount and become unable to debit the account.

However, a company prepares input data of a so-called accounting system based on the usage statement (printed usage statement), performs accounting and tax processing, and stores the usage statement as evidence for a certain period of time. In general, printed specifications are required regardless of the above-mentioned problems. Also, for individuals,
It is more convenient to have a usage statement when writing expenses in a household account book based on the statement of usage printed at the time of final tax return, or when using it for calculating expenses at the time of final tax return.

On the other hand, in the above-described conventional voice response service of balance and deposit / withdrawal details and a credit card usage status browsing service system, it is not possible to grasp individual balance / details for each account and individual usage status for each credit company. Yes, but to keep track of their deposit balance and overall status, users can access their bank or credit company's service system, check their deposit balance and usage status individually, and categorize by themselves. At present, it is very difficult to access financial institutions and credit companies, and at the same time classify the overall situation from such information that is difficult to see. There is a problem that it is practically difficult to grasp. Also, Japanese Patent Application Laid-Open No. 2000-207746 does not discuss security or cost for operation as a business. In addition, in order to distribute at once,
Since the above-mentioned grace period (at least one month institution) cannot know the details of credit use, there is a problem that it is not possible to promptly deal with unauthorized use of a credit card.

The present invention has been made in order to solve the above problems, and collectively notifies a user of usage details individually issued by a service provider such as a credit company or a communication company used by the user. The purpose of the present invention is to provide a usage statement issuing system that enables the user to grasp the usage status of various services as a whole, a usage statement notification method and a usage statement issuing service program that enable the user to check the contents of each payment of used credit. And

[0010]

In order to solve the above-mentioned problems, a usage statement issuing system according to a first aspect of the present invention provides a usage statement of a user of each service provider transmitted from a plurality of service providers via the Internet. Usage statement data receiving means for receiving data, usage statement data storage means for storing the received usage statement data in a memory, and extracting usage statement data for a predetermined period from the stored usage statement data at a predetermined timing. A usage statement creating means for classifying and organizing and creating usage statement notification data for each user, a usage statement notification mail creating section for creating a usage statement notification mail from the usage statement notification data, and a usage statement notification mail via the Internet. And a use statement notification mail transmitting means for transmitting to a user terminal.

The usage statement issuing system according to the second invention stores usage statement data storage means for storing usage statement data of users of each service provider received from a plurality of service providers in a memory, and accumulates the usage statement data. Usage statement creating means for classifying and organizing the usage statement data for a predetermined period of the usage statement data to create usage statement notification data for each user, and obtaining the usage statement notification by printing the created usage statement notification data A print output control unit; and an integrating unit that integrates the printed user-specific / office-specific usage statement for each user, and delivers the integrated usage statement for each user to the user. It is characterized by doing.

A usage statement issuing system according to a third aspect of the present invention provides a usage statement data transmitting apparatus, a usage statement issuing agency, a plurality of usage statement data transmitting apparatuses, and a usage statement provided by a plurality of service providers. And a communication network connecting the issuing agent device. The usage statement issuing agent device receives usage statement data of each business user transmitted from the plurality of usage statement data transmitting devices via the communication network. Statement receiving means, usage statement storage means for storing received usage statement data for each business establishment, and usage statement data for a predetermined period of time extracted from the usage statement storage means at a predetermined time and classified by user and business establishment Usage statement creating means for organizing and creating usage statement notification data for each user, and printing the created usage statement notification data to obtain a usage statement notification Characterized by comprising a printed output means.

A usage statement issuing system according to a fourth aspect of the present invention provides a usage statement data transmission device provided by a plurality of businesses, a plurality of user terminals, and a usage statement based on a usage statement issuing request from the user terminal. Connecting the Internet with a Web site that obtains usage statement data of the user from the data transmission device, generates usage statement issuance data, and transmits to the transmission source terminal that has issued the usage statement issuance request via the Internet. It is characterized.

According to a fifth aspect of the present invention, in the usage statement issuing system according to the fourth aspect of the present invention, the Web site comprises: a user registration means for registering user information, user authentication information and account information for each user; Transmission request receiving means for receiving the usage statement issuance request via the Internet, and authenticating the source user of the usage statement issuance request received by the transmission request receiving module based on the user authentication information registered in the user registration module. Authentication means and reception of usage statement data for acquiring the usage statement data of the user from each usage statement data transmitting device via the Internet based on the account information registered in the user registration section for the user authenticated by the authentication module. Means and the usage statement data obtained by the usage statement data receiving means are classified and arranged. Usage statement notification data generating means for generating usage statement notification data, and transmission means for transmitting, via the Internet, the usage statement notification data generated by the usage statement notification data generation module to the transmission source terminal that transmitted the usage statement issue request , Is provided.

According to a sixth aspect of the invention, in the usage statement issuing system according to the fifth aspect of the present invention, the issuance data generating means includes means for adding an advertisement to the usage statement issuance data.

According to a seventh aspect of the invention, in the usage statement issuing system according to any one of the first to sixth aspects, the usage statement data is encrypted.

[0017] Further, the usage statement notification method of the eighth invention is as follows.
A step in which the financial institution receives a request for direct debit from the signing party of the direct debit agreement with the financial institution; and, based on the request, every time the debit of the debit amount included in the request is performed from the user's designated account. Transmitting debit statement data based on the details of the debit to the user terminal via the Internet.

[0018] Further, the usage statement notification method of the ninth invention is as follows.
A step in which the credit company receives a credit use notification from a credit use partner affiliated with the credit company; and each time the credit use notification is received, the credit use statement data based on the credit notification is transmitted to the user terminal via the Internet. And a transmitting step.

The tenth invention is directed to the eighth or ninth invention.
In the usage statement notifying method of the invention, the step of transmitting to the user terminal includes a step of adding an advertisement.

The eleventh aspect of the present invention relates to the eighth to tenth aspects.
The usage statement data of any one of the inventions is characterized in that the usage statement data is encrypted.

A usage statement issuing service program according to a twelfth aspect of the present invention is a program executed by a usage statement issuing system for notifying a user of a usage statement of a service provider to a user. Receiving the usage statement data of the user of each service provider transmitted via the server, storing the received usage statement data in a memory, determining the arrival of a predetermined time, Extracting the usage statement data for which a predetermined period has arrived from the specification data for a predetermined period, classifying and rearranging the extracted usage statement data to create usage statement notification data for each user; A step of creating a usage statement notification email from the notification data, and an interface with the created usage statement notification email. Characterized by comprising the steps of: transmitting addressed to the user terminal through the Internet.

A usage statement issuing service program according to a thirteenth invention is a program executed in a usage statement issuing system for notifying a user of a usage statement of a service provider to a user. Receiving the usage statement data of each service provider user transmitted via the network, storing the received usage statement data of each service provider user in a memory, and determining the arrival of a predetermined time Extracting the usage statement data for which a predetermined period has arrived from the stored usage statement data for a predetermined period;
Classifying and organizing the extracted usage statement data by user / business establishment to create usage statement notification data for each user; and printing the created usage statement notification data. I do.

A usage statement issuing service program according to a fourteenth invention is a program executed by a usage statement issuing system for notifying a user of a debit statement from an account of a financial institution. Receiving a direct debit request from the contracting party of the direct debit contract via the communication network, and debiting the debit amount included in the debit request from the user's designated account, the contents of the debit And a step of transmitting the generated debit statement data to the user terminal via the Internet.

A usage statement issuing service program according to a fifteenth aspect of the present invention is a program executed by a usage statement issuing system for notifying a user of a credit company user's usage statement. Receiving a credit use notification transmitted from a credit use partner affiliated to the company via a communication network; and, each time the credit use notification is received, creating credit use statement data based on the credit use notification. And transmitting the created usage statement data to the user terminal via the Internet.

[0025]

DESCRIPTION OF THE PREFERRED EMBODIMENTS [Embodiment (1)] In this embodiment, as shown in FIGS. 1 to 5, a usage statement issuance server (usage statement issuance proxy device) 2 is provided. Affiliate with an operator (invoice issuing service provider)
Receives usage statement data from each usage statement data transmission device of a financial institution such as a bank or securities company, a credit sales company such as a credit company, or a service provider (hereinafter, a service provider) such as a communication company or a public service business. Then, the classified usage information is added to the body of the e-mail, or the classified usage specification data is attached to an e-mail and attached to an e-mail and transmitted to the terminal of the usage specification transmission service subscribed user at a predetermined timing.

As will be described later (Embodiment (2)), the usage details issuing server 2 can print out usage details of each service provider at a predetermined time every month for each user and each service provider.

FIG. 1 is an explanatory diagram of an embodiment of a network configuration to which a method of notifying a periodic usage statement based on the present invention can be applied, and FIG. 2 is a diagram showing an embodiment of a mail address search file. In FIG. 1, a user A is a user who has subscribed to the usage statement issuing service of the present invention, and a terminal 1 is a terminal used by the user A. In addition, an e-mail program (for example, Microsoft Outlook-
Express (trade name of an e-mail program)) is installed, and an e-mail containing the usage statement sent from the usage statement notification mail transmitting apparatus is received via a mail server (not shown), and the terminal 1 It can be displayed on the display unit.

The usage statement issuing server 2 is composed of server computers of the respective service providers, receives the usage statement data transmitted from the usage statement data transmitting devices 13 to 17, and
Either sort and arrange and add it to the body of the e-mail, or sort and organize the usage statement data into an attached file and attach it to the e-mail and send it to the terminal of the usage statement transmission service subscribed user at a predetermined timing. In the present embodiment, the usage statement issuing server 2 is connected to the usage statement data transmission devices 13 to 17 via the Internet 8, but
The usage statement issuing server 2 transmits the usage statement data transmission device 13 to
Alternatively, all or any one of the devices 17 may be connected by a dedicated line.

Further, the usage statement issuing server 2 adds the advertisement to a part of the e-mail transmitted to the terminal 1 or the usage statement data to which the individual advice to the user is added.
Can also be sent to

The usage statement issuance server 2 is provided with measures such as a firewall for dealing with information leakage and hacking, and has advanced security and privacy protection functions.

The usage statement data transmission device 13 is a server computer provided by Bank B, and deposits and withdrawals and deposits of all users who have subscribed to the usage statement transmission service by e-mail generated within a predetermined period. Automatic data transfer of various charges from account to Internet 8
(Or a dedicated line) to the usage statement issuing server 2.

The usage statement data transmission device 14 is a server computer provided by the C credit company, and transmits the credit usage statement data of all the users who have subscribed to the usage statement transmission service by e-mail generated within a predetermined period. It is transmitted to the usage statement issuing server 2 via the Internet 8 (or a dedicated line).

The usage statement data transmission device 15 is a server computer provided by the D power company, and transmits the power usage statement data of all the users who have subscribed to the usage statement transmission service by e-mail generated within a predetermined period. Usage statement issuing server 2 via Internet 8 (or dedicated line)
Send to

The usage statement data transmitting device 16 is a server computer provided by the E gas company, and transmits gas usage statement data of all users who have subscribed to the usage statement transmission service by e-mail generated within a predetermined period. Usage statement issuing server 2 via Internet 8 (or dedicated line)
Send to

The usage statement data transmission device 17 is a server computer provided by the F communication service company, and generates service usage statement data of all users who have subscribed to the usage statement transmission service by e-mail during a predetermined period. Is transmitted to the usage statement issuing server 2 via the Internet 8 (or a dedicated line).

The usage statement data transmission devices 13 to 17
All have security measures such as firewalls to deal with information leaks and hacks, and have advanced security and privacy protection functions.

The usage statement data transmission devices 13 to 17
Is a mail address search record 200 storing the account number 201 and the mail address 202 of the user subscribed to the usage statement transmission service by e-mail in association with each other.
A database (not shown) storing a user address search file storing a plurality of (FIG. 2).

Although not shown, other service providers, for example, financial institutions such as banks and securities companies, other credit sales providers, and communication service providers such as gas companies, telephone companies, and providers. In the same manner, the usage statement data generated within a predetermined period is also used by the service statement issuing server 2 on the basis of the usage statement data transmitted from the usage statement data transmission device provided for each service provider. A usage statement transmission service by e-mail using the Internet 8 can be provided.

Since the account number, e-mail address, balance information, usage statement, etc., must not be known to others, the data transmitted / received between the usage statement issuing server 2 and the user terminal and the usage statement data transmission device 13- The data transmitted and received between the usage statement issuing server 2 and the data stored in the database of the usage statement issuing server 2 are encrypted. Further, the usage statement issuing server 2
In transmission and reception of information between the user and the user terminal, it can be configured to prevent spoofing.

FIG. 3 is an explanatory diagram of an example of the functional configuration of the usage statement notification service of the usage statement issuing server that periodically sends a usage statement notification mail, and an example of the configuration of the database. The usage statement issuing server 2 includes a control unit 31 and a peripheral device,
The terminal exchanges data with a terminal connected to the Internet 8 and another computer. As a function for executing the usage statement notification service by e-mail according to the present invention, the terminal connected to the Internet 8 and another computer (usage data A communication control unit 51 for controlling connection with the transmission devices 13 to 17) and data transmission / reception via the Internet 8, and a user registration control unit 5 for performing user registration setting of a usage statement notification service by e-mail.
2. It has a usage statement notification service means 53 for providing a usage statement notification service by e-mail.

Further, the usage statement notification service means 53
As shown in FIG. 3A, a usage statement data receiving unit 531 for acquiring usage statement data of a registered user periodically transmitted from the usage statement data transmission devices 13 to 17 via the Internet 8, and a usage statement. Data receiving means 531
Usage data storage means 532 for storing each usage specification data acquired in the usage specification data file 63 of the database 32, and each predetermined period stored by the usage specification data storage means 532 (this embodiment (1. ), The usage statement data of one month) is extracted at a predetermined time (in the present embodiment (1), at a predetermined date every month), sorted by user / business establishment, and subtotals and totals are calculated. Usage statement creation means 533 for organizing and creating usage statement notification data for each user; usage statement notification mail creation section 534 for adding the usage statement created by the usage statement creation section 533 to the e-mail text; Use of transmitting the usage statement notification mail created by the notification mail creation means 534 to the user terminal via the Internet 8 Contains a fine notification mail transmission means 535.

Each of the above-mentioned means is constituted by a program, stored in the program storage memory of the usage statement issuing server 2, and taken out and controlled by the control unit 31 as needed to execute the above-mentioned processing.

The usage statement issuing server 2 has a database 32. The database 32 registers the service user information and the account information acquired by the user registration control means 52 as shown in FIG. User information file 61 and registrant-specific account file 62
And a usage statement data file 63 that stores usage statement data acquired from the usage statement data transmitting devices 13 to 17 by the usage statement data receiving unit 531 for a predetermined period. It is desirable that the usage statement data file 63 be stored for each user. The user information file 61 and the registrant-specific account file 62 are stored in the above-described usage statement creation unit 533 and usage statement notification mail creation module 53.
4 or the like.

FIG. 4 is a flow chart showing one embodiment of a usage statement notification (= issuing) operation of the usage statement issuing server. FIGS. 5 and 6 show usage statement notifications received by a user subscribed to a usage statement transmission service by e-mail. It is a figure showing an example of a use statement in a mail.

Step T1: (Reception of Usage Statement Data) The usage statement issuing server 2 uses the usage statement data receiving means 531
As a result, the usage statement data of the user of each service provider is sent in batches from the usage statement data transmission devices 13 to 17 via the Internet 8 (or a dedicated line) at predetermined intervals (usually one business day). To receive.

Here, the usage statement data transmission devices 13-1
7 stores the received usage statement data, and after a predetermined period of time, transmits the stored usage statement to the usage statement issuing server 2 via the Internet 8 (or a dedicated line).

The usage statement data transmitting devices 13 to 17
According to the present embodiment, the transmission timing is transmitted in batches at predetermined time intervals (usually, one business day), but is transmitted from the usage statement issuing server 2 periodically. When a data transmission request is issued and the usage statement data transmission devices 13 to 17 receive the usage statement data transmission request, the usage statement data generated between the previous reception of the usage statement data transmission request and the reception of the current usage statement data transmission request is received. You may comprise so that it may send to a use statement issue server. Moreover, you may comprise so that it may transmit in real time.

Step T2: (Storage of Usage Statement Data) The usage statement issuing server 2 uses the usage statement data storage unit 532
As a result, the usage statement data received in step T1 is sequentially stored in the usage statement data file 63 of the database 32.

Step T3: (Determination of Presence or Absence of Period) The control unit 31 of the usage statement issuing server 2 determines whether or not a predetermined time has arrived. If the predetermined time has arrived, the process transits to T4 and the time has elapsed. If not, return to T1.

Step T4: (Creation of usage statement notification data) The usage statement issuing server 2 reads out the usage statement data within the predetermined period stored in the usage statement data file 63 in the above-described step T2 by the usage statement creating unit 533 for each user. It sorts and arranges by business establishment and account, and creates usage statement notification data by user and business establishment as shown in FIG.

Step T5: (Creation of Usage Statement Notification Mail) The usage statement issuing server 2 uses the usage statement creation means 533 to create an electronic mail addressed to the user using an electronic mail program. At this time, the user's usage statement notification data created in step T4 is added to the body of the e-mail. At this time, if the data amount is large, the data can be converted into an attached file and added to the text. In addition, when creating an e-mail in this step, an operation of adding an advertisement of the company or the like to a part of the e-mail or adding advice information may be performed. As the advice information, in the case of a credit company as an example, there are guidance information on service contents (scores, points, campaign details, etc.) and information on how to deal with lost or stolen cards. In addition, when there are multiple mobile phone fee courses, suggesting a change method, such as recommending the user to change to a more economical course from the transition of usage time so far,
It is also possible to recommend a button click on a banner ad for the change procedure contracting service. As a specific example, when the user has made a contract with a mobile phone operator whose basic charge is 3000 yen and the unit call charge is 10 yen, the basic charge is 1500 yen and 20 yen for another charge course of the same mobile phone operator. If there is a course of yen and the past average call charge of this user is 50 units, changing the charge course will lower the average payment from 3500 yen to 2500 yen. For example, such as adding.

Step T6: (Transmission of usage statement notification mail) The usage statement notification mail transmitting device sends the electronic mail created in step T4 to the Internet 8 by an electronic mail program.

Step T7: (End Determination) The control unit 31 of the usage specification issuing server 2 returns to T1 when reading of all usage specification data within the period stored in the usage specification data file 63 is completed. Then, the reception of the usage statement data from the usage statement data transmission devices 13 to 17 is waited again, and if not completed, the process proceeds to T4 to read the next usage statement data.

In the above description, the usage statement notification mail transmitting apparatus and the center apparatus of each financial institution or each business entity are separate apparatuses. However, the usage statement notification mail transmitting apparatus and the center apparatus may be the same apparatus.

According to the operation shown in FIG. 4, the terminal (1) of the user (A) who has subscribed to the usage statement transmission service by e-mail transmits the usage statement as shown in the examples of FIGS. 5 and 6 via a mail server (not shown). Can be received and displayed on the screen. In the example of FIG. 5, the usage details of water, light and heat and communication costs for the past two years automatically deducted from a bank account of a certain user are tabulated by service provider, and the whole can be listed. The user can download the usage statement, give a folder name, and use a commercially available tallying / analysis program to create a comparison table of water, light, heat, and communication costs from the previous year.

The example of FIG. 6 is a credit card usage statement, and shows a list of usage, credit card store, credit purchase, amount, scheduled deduction date, etc. by date of use and credit company. . Since the user can immediately grasp the entire picture of his / her credit card use, it is possible to easily know whether there is an excess of the budget or whether there is an excess or deficiency in the amount of the payment account or whether there is any fraud by checking the passbook.

The format of such a usage statement is selected by the usage statement creating means 533 in step T4 of the flowchart of FIG. 4 by selecting a tallying pattern indicated when the user subscribes to the usage statement notification service by e-mail. Created. Taking the credit use guide as an example, the selection of the aggregation pattern causes the above-described step T4
The total usage amount, the usage limit amount, and the withdrawal date can be added to the usage statement when editing the.

According to the above configuration, the usage details of each service provider with which the user is dealing are collectively sent to the user terminal by e-mail at regular intervals. Therefore, the user repeatedly logs in and obtains the usage details. Even if the calculation is not performed, the user can simply open the e-mail arriving at the user terminal to list the usage statement notices that have been classified and arranged as a whole, and easily grasp the status of account debit and the entire usage status.

[Embodiment (2)] In the above embodiment (1), the usage statement issuing system creates usage statement notification data by collecting usage statements for each user transmitted from each business office at predetermined intervals. Then, it is configured to transmit to the terminal of each user via the Internet. However, the use statement is collectively sent to a company or the like who needs a use statement notice (printed use statement notice) for accounting processing or the like. It can also be issued.

In the present embodiment (2), the network configuration and usage statement data transmitting devices 13 to 13 of each service provider are used.
17 may be the same as the configuration (FIG. 1) of the embodiment (1).

FIG. 7 is a diagram showing an embodiment of the configuration of the control unit of the usage statement issuing server 2, and the configuration of the control unit 31 of the usage statement issuing server 2 is shown in FIG. 3 of the embodiment (1). It is only necessary to add a print output unit to the usage statement notification service unit 53 of the control unit 31 of the usage statement server 2.

The print-out means 536 is extracted from the usage statement data file 63 of the database 32 by the usage statement creator 533 on a predetermined day every month, and is used for a predetermined period of time classified and sorted by user and office. Print out a usage statement based on the notification data.

Further, the usage statement notification may be integrated and printed for each user on the same page for each user,
Printing may be performed on different sheets for different users and different offices (for example, when a sheet on which service contents and notices are printed is used). Further, the previous receipt can be printed on the usage statement.

In a case where printing is performed on different sheets for each user and each office, a classifying means (for example, an automatic document classifying apparatus) for classifying the usage statement notification for each user,
Means (for example, a document integration device) for integrating the usage statement of each business establishment classified by user for each user
And an enclosing means for enclosing the usage statement notification integrated for each user in the same envelope, at the server 2 side or at a consignee by an operator of the server 2. It is desirable.

(Embodiment 1) FIG. 8 is a flowchart showing an embodiment of a usage statement notification issuing operation of the usage statement issuing server. The operations of steps V1 to V4 are the same as steps T1 to T4 of the flowchart of FIG. It is. Step V1: (Reception of usage statement data) The usage statement issuing server 2 uses the usage statement data receiving unit 531
As a result, the usage statement data of the user of each service provider, which is sent in batches at predetermined intervals (usually one business day) from the usage statement data transmission devices 13 to 17 via the Internet 8 (or a dedicated line), is received. .

Step V2: (Storage of Usage Statement Data) The usage statement issuing server 2 uses the usage statement data storage unit 532
As a result, the usage statement data received in step V1 is sequentially stored in the usage statement data file 63 of the database 32.

Step V3: (Determination of Presence or Absence of Period) The control unit 31 of the usage specification issuing server 2 determines whether or not a predetermined time has come. If the predetermined period has passed, the control unit 31 shifts to V4 and has passed. If not, return to V1. In this embodiment,
The predetermined time is a predetermined day every month, for example, 5th of every month, or a day such as the first Tuesday (if the day is a holiday, the next day). That is, 1 to be extracted in the following step V5
If the 〆 day of the month data is the end of the month, it is the fifth day of the following month.

Step V4: (Creation of usage statement notification data) The usage statement issuing server 2 reads out the usage statement data within the predetermined period stored in the usage statement data file 63 in step V2 by the printout means 536, and executes a predetermined order. , And creates usage detail notification data for each user and each business office, which is edited into a predetermined output format.
In the present embodiment, the predetermined period is one month.

Here, the order of classification and arrangement and the editing method are as follows.
In step V5 described below, it depends on whether the usage statement is integrated and printed for each user on the same page for each business, or printed on a different page using an output form for each business. In other words, in the case where the usage statement notice is integrated and printed for each business on the same page for each user in step V5 below, it is classified and arranged for each user and each business, and a business-specific header is printed every time the business is different. Edit to If the usage details do not fit on one page even on the same page, the editing is performed so as to include a plurality of pages. When the usage statement is printed on a different page in an output form for each office in step V5 described below, the usage statement is classified and arranged for each office and for each user, and each business is edited into a predetermined form for each user.

Step V5: (Print Usage Statement Notification) The usage statement issuing server 2 prints the usage statement addressed to the user by the print output unit 536. here,
As described above, in a case where printing is performed in such a manner that the usage details do not fit on one page even in the same page, printing is performed in a plurality of pages when the configuration is such that the printing is integrated on the same page for each user. Further, when the usage statement is configured to be printed on a different sheet of paper in an output form for each office, the user identification code and the business operator are placed at predetermined positions of the usage statement so that the usage statements can be easily integrated later. It is desirable to print the identification code.

With the above configuration, the operator of the server 2 can issue the usage statement of each service provider as a usage statement issuing service provider. Then, the utilization statement issuing service provider can distribute the utilization statement issued in this manner by itself or outsourced to another provider to a single envelope for the same user. .

Thus, the user registers in advance that the service statement is to be received via the service statement issuing service provider with the service provider, so that the service statement of each service provider can be distributed with a single envelope. You can receive
It is convenient because it can process paperwork in a lump. In addition, if a service provider can issue and distribute a usage statement via a service statement issuing service provider, the usage statement postage previously charged for each service provider is integrated into a single envelope. As a result, the cost of the usage statement shipping cost can be reduced. In a simple calculation, the service statement issuance service fee = (total shipping cost + α) × (1 / number of service providers) <conventional shipping fee.

Here, the postage is a postage (delivery) fee of a mailing company or a delivery company. Even if the number of specifications per envelope increases, only a small surcharge is added to the postage. Α is the margin of the service statement issuing service provider.

In the above description, a usage statement issuance service for invoking each service operator for a result obtained by dividing the sum of the total amount of postage and the margin α of the usage statement issuing service provider by the number of service providers for each user. Although the fee is used, the usage statement issuance service fee may be calculated by weighting according to the transaction amount between the user and the service provider, for example, the number of times the service provider uses the service = the number of transactions. In this way, the service provider bears the cost of issuing the statement according to the transaction volume, and the economic rationality is increased.

<Operation Example> An operation example of the usage statement issuing system shown in the first embodiment will be described below with reference to the second to fifth embodiments. (Embodiment 2) FIG. 9 is an overall block diagram showing an embodiment of a usage statement issuing system operation method. In this embodiment, each service provider 21 of the conventional example (FIG. 20 and FIG. A delivery company (hereinafter referred to as a mailing company) 24 (FIG. 2)
0, FIG. 21), a usage statement issuing service provider 23 that operates the server 2 of the first embodiment is located. In FIG. 9, rectangles represent objects such as users and businesses, ellipses represent processing and operations, vertical lines represent data, thin arrows represent a single operation flow, and thick arrows represent a plurality of operation flows. , And the dotted lines indicate the respective contract applications. The symbol J1
The order of the operation process is indicated by J10.

First, the user A registers his / her personal information such as a user name, an address telephone number, and a service provider used in the usage statement issuing service provider 23 (J1).
Next, the user A sends a usage statement issuing service provider 2 to a service provider 21 such as a financial institution, a credit company, a photothermal communication service provider, etc. to which the user A subscribes or uses.
3 is notified that the usage statement issuance service is to be received. This notification may be made only once (J2).

When the service provider 21 receives the notification and provides the service to the user A (J3), the service provider 21 stores the usage details of the provided service in its own database (that is, the usage details data transmitting device (13 to 17) shown in FIG. 1). (J4), and the usage statement data of the user A is issued by the usage statement issuing service provider 23 via the communication network 8 (FIG. 1) at the usage statement issuance timing for the user A. The data is transmitted to the server 2 (FIG. 1) (J5).

When the usage statement issuing server 2 receives the usage statement data of the registered user from each service provider 21, it stores them in the database 32 (FIG. 3) for each service provider (J6), and separates them every month (5). Day, 20th,
At a predetermined date such as the end of the month), the usage statement data received from a plurality of service providers for each registered user is classified and arranged, and the usage statement for each user / service establishment is printed to form a single sealed letter. The usage statement issuing service provider 23 passes the usage statement addressed to each user to the mailing company 24 of the consignee (J7).

The mailing company 24 delivers (deliver) the usage statement (a single sealed letter for each user) entrusted by the usage statement issuing service provider 23 (J8).

User A is a usage statement issuing service provider 2
The user receives monthly usage statements from a plurality of service providers who have received the usage statement issuance service (J9).

By repeating the above processes J3 to J9, the user A needs to notify the service provider that provides the service being used once that the user will receive the usage statement issuing service of the usage statement issuing service provider. The user can receive the usage statement in a single sealed letter, and can process and manage business operations in a lump. In addition, if a service provider can issue and distribute a usage statement via a service statement issuing service provider, the shipping cost of the usage statement previously borne by each service provider is integrated into a single envelope. As a result, the cost of the usage statement shipping cost can be reduced. Further, the service statement issuing service provider can obtain a margin obtained by subtracting the postage of the mailing service provider from the service statement proxy fee received from each service provider.

(Embodiment 3) This embodiment is an example in which the usage statement issuance service of Embodiment 2 is performed by a mailing company or the like. FIG. 10 is an overall block diagram showing another embodiment of the usage statement issuing system operating method. In this embodiment, the usage statement notification data of the usage statement issuing service provider 23 (FIG. 9) shown in the second embodiment is used. This is a configuration in which a mailing business and usage statement issuing service company 25 has an issuing function and a mailing function of a mailing company 24 or the like. In this case, the server of the mailing company 24 ′ functions as the usage statement issuing server 2.

In FIG. 10, first, the user A registers his / her personal information such as a user name, an address and a telephone number, and a service provider used in the mailing / usage statement issuing service provider 25 (K1). . Next, the user A receives a service statement issuance service from the service statement issuance service provider 23 to a service provider 21 such as a financial institution, a credit company, and a photothermal communication service provider to which the user A has subscribed or used. Submit a notification. This notification may be made only once (K2).

When the service provider 21 that has received the report provides the service to the user A (K3), the service provider 21 stores the usage details of the provided service in its own database (that is, the usage details data transmission device (13 to 17) shown in FIG. 1). (K4), and the usage statement data of the user A is transmitted to the mailing and usage statement issuing service provider 25 via the communication network 8 (FIG. 1) at the usage statement issuance timing for the user A. Usage statement issuing server 2 (FIG. 1)
(K5).

When the usage statement issuing server 2 receives the usage statement data of the registered user from each service provider 21, it stores them in the database 32 (FIG. 3) for each service provider (K6) and registers them at monthly intervals. The usage statement data received from a plurality of service providers is classified and arranged for each user, and the usage statement for each user / service establishment is printed to form a single sealed letter (K7). The postal service / usage statement issuing service provider 25 delivers a single sealed letter for each user to the user (K8).

The user A receives monthly usage statements from a plurality of service providers that have received the usage statement issuing service of the mailing and usage statement issuing service provider 25 as a single sealed letter (K9).

By repeating the above processes K3 to K9, the user A once notifies the service provider providing the used service that he / she will receive the usage statement issuing service of the mailing and usage statement issuing service provider. If this is done, it is possible to receive the usage statement in a single sealed letter, and to collectively process and manage paperwork. In addition, if a service provider can issue and distribute a usage statement via a service statement issuing service provider, the shipping cost of the usage statement previously borne by each service provider is integrated into a single envelope. As a result, the cost of the usage statement shipping cost can be reduced. In addition, the postal service and usage statement issuing service provider obtains a usage statement agency fee (postage + usage statement issuing margin) from each service provider.

Conventionally, the usage statement is entrusted to mailing (delivery) from a specific post office or a specific delivery company, so that it may take a long distance depending on the address of the user. Although extra transportation costs are required, according to the present embodiment, since the service provider transmits the information to a mailing company or the like (postal service and usage statement issuance service provider) online, the occurrence of such transportation time and cost is reduced. Can be avoided.

(Embodiment 4) This embodiment is an example in which, among the usage statement issuing service functions, a usage statement notification issuing service is performed by a financial institution in which a user A has a debited account.

FIG. 11 is an overall block diagram showing another embodiment of the usage statement issuing system operation method. In this embodiment, the usage statement issuance service provider 23 (FIG. 9) shown in the second embodiment is used. User A for statement issuing service function
Is a configuration that is provided to financial institutions that have debit accounts. In this case, the server of the financial institution functions as the usage statement issuing server 2. Also, the figures and frame lines in FIG.
The meanings of the symbols are the same as those of the usage statement issuing service in the block diagram of FIG.

In FIG. 11, first, the user A registers personal information of a service provider or the like used in the financial institution 22 in which the account to which the user A withdraws is provided (L
1). Next, the user A notifies the service provider 21 that the financial institution / usage statement issuing service provider 26 will receive the usage statement issuance service. This notification may be performed only once (L2).

Upon receiving the notification, the service provider 21 provides the service to the user A (L3), and stores the usage details of the provided service in its own database (L4). Is transmitted to the usage statement issuing server of the financial institution / use statement issuing service provider 26 via the communication network. At this time, a debit request may be made at the same time (L5).

Financial institution / use statement issuing service provider 2
When the usage statement issuing server 2 receives the usage statement data of the registered user from each service provider 21, the usage statement issuing server 2 accumulates the data in the database 32 (FIG. 3) for each service provider (L6) and registers the data at monthly intervals. The usage statement data received from a plurality of service providers is classified and arranged for each user, and the usage statement for each user and each service establishment is printed to form a single sealed letter (L7). The financial institution / use statement issuing service provider 26 transfers the use statement addressed to each user to the mailing company 24 of the consignee (L8).

The mailing company 24 delivers (deliver) the usage statement (single sealed letter for each user) entrusted by the financial institution / usage statement issuing service provider 26 (L9).

The user A receives usage statements from a plurality of service providers who have received the usage statement issuance service of the financial institution / usage statement issuance service provider 26 as a single sealed letter every month (L10).

By repeating the above-described processes of L3 to L10, the user A once notifies the service provider that provides the service that he or she is using to receive the service statement issuing service of the financial institution. Can receive the usage statement, and can collectively process and manage paperwork. In addition, for service providers, if it is possible to issue and deliver a usage statement via a service statement issuance service provider,
In the related art, the cost of the usage statement fee can be reduced by integrating the usage statement fee charged to each service provider into a single envelope. Also, the financial institution obtains a margin obtained by subtracting the postage of the mailing company from the usage statement agency fee received from each service company.

Generally, financial institutions are more advantageous than other institutions in security / privacy protection because they make deposits and withdrawals. Also, compared to the fact that the service provider makes a debit request and the usage amount is actually debited, it is less likely that the details of the usage details leak to the financial institution. In addition, there is an advantage that the service statement can be issued and withdrawn at the same time for the service provider. Also,
Since financial institutions can grasp the usage details for each user,
Instead of having to collectively write down the debit amount as in the past, the debit amount is entered for each service provider and each service, so that fine-grained payments can be made mainly for passbooks (cash cards, debit cards). Household management (individual) and expense management (company) can be performed.

(Embodiment 5) This embodiment is an example in which the usage statement issuance service and the withdrawal of the above-mentioned Embodiment 3 are performed by the stations (each head office) which manages the post office where the user A has a withdrawal account. is there. FIG. 12 is an overall block diagram showing another embodiment of the usage statement issuing system operation method.
In the present embodiment, the user statement A is used to issue the usage statement issuance service function of the financial institution 22 and the debit of the usage fee shown in the third embodiment. This is the configuration provided to the business / use statement issuing service provider 27). In this case, the financial institution, the mailing company and the service statement issuing service provider 27
Server functions as the usage statement issuing server 2. The meanings of the figures, frame lines, and symbols in FIG. 12 are the same as those in the usage statement issuing service in the block diagram in FIG.

In FIG. 12, first, a user A sends a report to a post office having an account for debiting himself, and uses a service business used by a financial institution, a postal service provider, and a usage statement issuing service provider 27. The personal information of the person or the like is registered (M1). Next, the user A notifies the service provider 21 that he / she will receive the usage statement issuance service by the financial institution / mailing operator / usage statement issuing service provider 27. This notification may be made only once (M2).

Upon receiving the notification, the service provider 21 provides the service to the user A (M3), and stores the usage details of the provided service in its own database (M4). Is transmitted to the utilization statement issuing server (FIG. 1) of the financial institution / mailing company / utilization statement issuing service provider 27 via the communication network. At this time, a debit request may be made at the same time (M5).

When the usage statement issuing server 2 of the financial institution / postal service / use statement issuing service provider 27 receives the usage statement data of the registered user from each service provider 21, it sends them to the database 32 (FIG. 3). It accumulates by business establishment (M6), classifies and arranges usage statement data received from a plurality of service providers for each registered user at monthly intervals, prints usage statements by user and service establishment, and One sealed letter (M7). Further, the financial institution / mailing company / usage statement issuing service company 27 (head office) sends the usage statement addressed to each user to the collection / delivery station 24 whose delivery is under the control of the user's address. Is delivered to the user (M8).

The user A receives usage statements from a plurality of service providers who have received the usage statement issuing service of the financial institution 22 as a single sealed letter every month (M
9).

By repeating the processes of M3 to M9, the user A once notifies the service provider that provides the service that he or she is using to receive the post office usage statement issuance service. Can receive the usage statement, and can collectively process and manage paperwork. In addition, if a service provider can issue and distribute a usage statement via a service statement issuing service provider,
By integrating the usage statement fee charged for each service provider into a single envelope, the cost of the usage statement fee can be reduced. In addition, the head office obtains the usage statement agency fee (postage + margin) received from each service provider.

Conventionally, the usage statement is entrusted by mail (delivery) from a specific post office or a specific delivery company, so that it may take a long distance depending on the address of the user. Although extra transportation costs are required, according to the present embodiment, since the service provider transmits the information online to a postal service provider or the like (postal service provider and usage statement issuing service provider), such transportation time and cost are generated. Can be avoided.

This embodiment is a business model in which the above-described third and fourth embodiments are integrated, so that extra transportation time and cost due to distance can be avoided, and excellent security / privacy protection and passbook (cashbook) can be achieved. It is possible to perform fine-grained household management (individual) and expense management (corporate) centered on cards and debit cards).

(Embodiment 6) Embodiments 2 to 5 described above.
Then, use statement issuing service providers (23, 25, 26,
27) transmits the usage statement data of the user to the usage statement issuing server 2 of the usage statement issuing service provider 23 via the communication network at the usage statement issuance timing for the user (process J5 in FIG. 9, process K5 in FIG. 10, In the process L5 in FIG. 11 and the process M5 in FIG. 12, the usage statement is printed on a predetermined day every month, and is sent to the user in one sealed letter.
Depending on the case, the usage statement may not be required every month.
Also, as in the case of the later-described embodiment (3), the user can browse the usage statement via the Internet, or, as in the embodiment (4), receive a usage statement notification transmitted by e-mail every time the service is used. There is a case where it is only necessary to open and open the usage statement.

In this embodiment, the processes J1 to J5 in FIG. 9 of the above-described second to fifth embodiments and the processes K1 to L in FIG.
5, process L2 to L5 in FIG. 11, process M in FIG.
The user can specify the timing of issuing the usage statement notice from 1 to M5, and the process J5 in FIG.
Of the user at the usage statement issuance timing designated by the user in the process K5 of FIG. 11, the process L5 of FIG. 11, and the process M5 of FIG.
It is configured to be able to send to.

For this reason, in this embodiment, a step of receiving the usage statement issuance timing data designated by the user is provided between steps V2 and V3 of the flowchart of FIG. Is transmitted to the usage statement issuance server 2 of the usage statement issuance service provider, but if there is usage statement issuance timing data specified by the user, the usage statement data is transmitted on the specified date. . In this case, the server 2 includes a usage statement issuance timing registration unit (not shown), and the usage statement issuance service company issues the usage statement at a timing designated by the user, so that the issuance cost varies according to the issuance timing. Upon receiving a report or telephone call from the user, the input statement issuing service provider inputs the user's instruction using an input device such as a keyboard provided in the server 2. (register.

FIGS. 13A and 13B are diagrams showing an embodiment of the specification issuance timing. FIG. 13A shows an example in which the issuance timing is every month, FIG. 13B shows an example in which the issuance timing is every two months, and FIG. (D) shows an example in which one year issuance timing, and (e) shows an example in which on-demand is issued.

In FIG. 13, if the issuance timing is bi-monthly, as shown in FIG. 13B, the issuance cost becomes nearly 比 べ compared to the monthly issuance in FIG. Further, as shown in (e), if the user's specification is issued in a lump in accordance with the user's designation, the usage statement issuance cost can be adjusted as required by the user.

The issuing costs floating in this manner are in the form of a margin of a service statement issuing service provider, a reduction in the amount billed to the service provider, a reduction from the amount deducted to the user, or the addition of service points associated with various services. Can be reduced.

[Embodiment (3)] The embodiment (1)
According to the embodiment, the usage statement of the usage statement transmission service subscribing user is stored in the usage statement issuance server from the usage statement notification mail transmission device of each service provider, and the usage statement is transmitted to the user at a predetermined timing by mail. In (2), the usage statement notice is grouped for each user and sent to the user. However, as shown in FIG.
The website 12 is provided, and when an inquiry (reception request reception) is received from a user terminal, the usage statement data of the user is received from each usage statement data transmission device of each service provider, and the browsing data is classified and arranged. It may be generated and transmitted to the terminal that has requested transmission.

FIG. 14 is an explanatory diagram of a network configuration to which the usage statement notification method by the usage specification issuing Web site can be applied. In FIG. 14, a terminal 11 is a terminal used by the usage statement transmission service subscribing user A, has a browsing program (for example, a WWW browser) installed, and uses a usage statement issuance Web in response to a usage statement transmission request from the terminal 11. The browsing data containing the usage statement sent from the site 12 can be received and browsed on the terminal 11.

The usage statement issuing Web site 12 is composed of a server computer. When a usage statement browsing request is received from the user terminal 11, the usage statement data transmission request is transmitted to the usage statement data transmission devices 13 to 17 of the respective service providers. Then, when the usage statement data is received from the usage statement data transmitting devices 13 to 17, it is classified and arranged to generate browsing data,
It is transmitted to the terminal of the usage statement browsing service subscription user.

In this embodiment, the usage statement issuance We
The site b is connected to each of the usage statement data transmitting devices 13 to 17 via the Internet 8, but the usage statement issuing Web site 12 is connected to the usage statement data transmitting devices 13 to 1.
7 may be connected to all or any of them through a dedicated line. The usage statement issuing Web site 12 is
An advertisement may be added to a part of the browsing data to be transmitted to the terminal 11 and a notification mail of the browsing data usage statement with the advertisement may be transmitted to the terminal 11.

The usage statement issuing Web site 12 is provided with measures such as a firewall for dealing with information leakage and hacking, and has a high security and privacy protection function.

The usage statement data transmitting device 13 is a server computer provided by Bank B. When receiving a usage statement data transmission request transmitted from the usage statement issuing Web site 12, the user A deposits / withdraws or deposits. The statement data (usage statement data) for automatically debiting various charges from the account is transmitted to the usage statement issuing Web site 12 via the Internet 8 (or a dedicated line).

The usage statement data transmitting device 14 is a server computer provided by the C credit company, and upon receiving a usage statement data transmission request from the usage statement issuing Web site 12, a statement of the credit use status by the user A (use statement data). Is transmitted to the usage statement issuing Web site 12 via the Internet 8 (or a dedicated line).

The usage statement data transmitting device 15 is a server computer provided by the D power company. The usage statement data transmission apparatus 15 receives the usage statement data transmission request from the usage statement issuing Web site 12 and transmits the details of the power usage status by the user A to the Internet 8. Use statement issuance We (or dedicated line)
b.

The usage statement data transmission device 16 is a server computer provided by the E gas company. When a usage statement data transmission request is received from the usage statement issuing Web site 12, a statement of the gas usage status by the user A (use statement data) Is transmitted to the usage statement issuing Web site 12 via the Internet 8 (or a dedicated line).

The usage statement data transmission device 17 is a server computer provided by the F communication service company, and upon receiving a usage statement data transmission request from the usage statement issuing Web site 12, transmits the service usage details of the user A to the Internet 8 ( Or use statement issuance W via a dedicated line)
Send it to the web site 12.

Further, the usage statement data transmitting devices 13 to 17
All have security measures such as firewalls to deal with information leaks and hacks, and have advanced security and privacy protection functions.

Also, the account number, e-mail address, balance information, usage statement, etc. must not be known to others,
The data transmitted / received between the usage statement issuing server 2 and the user terminal and the data transmitted / received between the usage statement data transmitting devices 13 to 17 and the usage statement issuing Web site 12 and stored in the database of the usage statement issuing Web site 12. The encrypted data has been encrypted. Furthermore, in transmitting and receiving information between the usage statement issuing Web site 12 and the user terminal, it can be configured to prevent spoofing.

Although not shown, service businesses such as financial institutions such as other banks and securities companies, other credit sales companies, and communication service providers such as gas companies, telephone companies, and providers. Similarly, when the user receives the usage statement data transmission request from the usage statement issuing Web site 12, the user uses the usage statement data from the usage statement data transmission device of each service provider for the usage statement data of the user A. It is transmitted to the statement issuing Web12.

That is, when the user who has subscribed to the service selects the usage statement browsing service from the terminal, a browsing request is transmitted to the usage statement issuance Web 12 and the usage statement browsing service using the Internet 8 can be received.

FIG. 15 is an explanatory diagram of an example of a functional configuration of a usage statement issuing Web site and an example of a database configuration. The usage statement issuing Web site 12 includes a control unit 71 and peripheral devices, and exchanges data with a terminal connected to the Internet 8 and other computers. As a function for executing the usage statement viewing service of the present invention, A communication control unit 81 for connecting to a terminal connected to the communication device 8 and another computer (such as the usage statement data transmission devices 13 to 17) and controlling data transfer via the Internet 8; The system includes a user registration control unit 82 for performing a usage statement browsing service and a usage statement browsing service unit 83 for performing a usage statement browsing service.

Further, the usage statement browsing service means 83
As shown in FIG. 15A, the user authentication means 831 for authenticating the user and receiving the usage statement browsing request, and the user's transaction information (for example, account number) from among the transaction information registered in the database. Information acquisition means 832 for extracting the transaction information, and usage statement data acquisition means 833 for transmitting a transaction statement data transmission request to all service providers having transactions extracted by the transaction information acquisition module 832 to acquire the user statement data. A usage statement creating unit 834 for classifying and editing each usage statement data acquired by the usage statement data acquiring unit 833 to create a usage statement, and a usage statement created by the usage statement creating unit 834. Browsing data generating means 835 for generating browsing data in the browser, and browsing generated by the browsing data generating means 835 It includes browsing data transmission means 836 for transmitting via the Internet 8 over data to the user terminal.

Each of the above means is constituted by a program and is stored in the program storage memory of the usage statement issuing Web site 12, and is taken out and controlled by the control unit 71 at appropriate times to execute the above processes.

The usage statement issuing Web site 12 includes a database 72.
As shown in FIG. 5B, the user registration control unit 82 described above
User information file 91 and registrant-specific information file 92 for registering the service user information and transaction information obtained by e-mail, and the e-mail storing the account number and e-mail address of the user subscribing to the usage statement browsing service in association with each other. A user address search file (see FIG. 2) storing a plurality of address search records is stored.

The user information file 91 contains user authentication information. The user information file 91 and the registrant-specific information file 92 are stored in the user authentication unit 8 described above.
31, transaction information acquisition means 832 and usage statement creation means 8
Referenced (searched) by 34 or the like.

FIG. 16 is a flowchart showing one embodiment of the operation for transmitting the usage statement browsing data of the usage statement issuing Web site.

Step U1: (User Authentication) User A uses his / her own terminal 1 to issue a usage statement
The user accesses the usage statement browsing service homepage (not shown) of the site 12, and enters a usage statement browsing request procedure. At this time, a registration number and a password are entered.

When the registration number and the password have been input, the terminal 1 issues an authentication request and a usage statement browsing request including the input and encrypted registration number and password via the Internet 8 to the usage statement issuing Web site 12. To send to.

When the usage specification issuing Web site 12 receives the authentication request, the user authentication means 831 performs the personal authentication process using the user authentication information in the user information file 91. If the authentication is not correctly performed, the unauthorized registration is performed. If it is determined that the authentication is to be attempted, the process is terminated, and if the authentication is successful, a usage statement browsing request is received and the process transits to U2. At this time, if it is necessary to access another computer (such as a certificate authority) to confirm the personal information, the usage statement issuing Web site 12 accesses the other computer.

Step U2: (Acquisition of Transaction Information) When the user A can be authenticated in the above step U1, the usage statement issuing Web site 12 uses the transaction information acquisition means 832 to check the record stored in the registrant-specific information file 92. The records whose registration numbers are the same as the registration number of the user A are sequentially read out, and the transaction information is extracted.

Step U3: (Creation and Transmission of Usage Statement Data Transmission Request) The usage statement issuing Web site 12 sends the usage statement data transmission request including the transaction information and the registration number acquired in step U2 by the usage statement data acquisition unit 833. To create
The data is transmitted to the usage statement data transmission devices 13 to 17.

Step U4: (Usage Statement Data Acquisition) The usage statement issuance Web site 12 uses the usage statement data transmitted from the usage statement data transmitting devices 13 to 17 via the Internet 8 (or a dedicated line) by the usage statement data acquisition unit 833. Receive data.

Here, the usage statement data is generated or generated by a usage statement data generator or a usage statement data generator (not shown) installed by a financial institution or a credit sales company.
The information is collected by a center device (not shown) of each financial institution or each business operator via a network, and transmitted to one of the usage statement data transmitting devices 13 to 17 via the network. The usage statement data transmitting devices 13 to 17 accumulate the received usage statement data, and upon receiving the usage statement data transmission request from the usage statement issuing Web site 12, based on the transaction information included in the received usage statement data transmission request. The usage statement data stored in the usage statement data is searched, and the hit usage statement data is sequentially transmitted to the usage statement issuing Web site 12 via the Internet 8 (or a dedicated line).

Step U5: (Creation of Usage Statement) The usage statement issuing Web site 12 uses the usage statement
In step 4, the usage statement data received in step U4 is classified and arranged to create an edited usage statement.

Step U6: (Generation of Usage Statement Browsing Data) The usage specification issuing Web site 12
At step 35, browsing data such as an HTML file is generated based on the usage details of the user created at step U5.

It should be noted that, at the time of creating the usage statement browsing data in this step, an operation of adding an advertisement of the company or the like or adding advice information may be performed. As the advice information, in the case of a credit company as an example, there are guidance information on service contents (scores, points, campaign details, etc.) and information on how to deal with lost or stolen cards. In addition, when there are multiple mobile phone fee courses, the user is advised to change to a more economical course based on the transition of the user's usage time so far. Or suggest clicks.

Step U7: (Transmission of usage statement browsing data) The usage statement issuance Web site 12 transmits the usage statement browsing data created in step U6 to the terminal that transmitted the usage statement browsing data request via the Internet 8, U1
And waits for the next usage statement browsing request.

In the above description, the usage statement data transmitting apparatus and the center apparatus of each financial institution or each business entity are separate apparatuses. However, the usage statement data transmitting apparatus and the center apparatus may be the same apparatus.

By the operation shown in FIG. 16, the terminal (11) of the user (A) who has subscribed to the usage statement browsing service is connected to the terminal (11) shown in FIGS.
The browsing data having the contents of use as shown in the example can be received, and the encrypted browsing data can be decrypted and displayed on the screen. The format of such a usage statement is created by the usage statement creating unit 533 in step T4 of the flowchart in FIG. 4 by selecting a tally pattern shown when the user subscribes to the usage statement browsing service. Taking credit usage guidance as an example,
By selecting the tallying pattern, the total usage amount, the usage limit, and the withdrawal date can be added to the usage details at the time of editing in step T4.

[Embodiment (4)] FIG. 17 is an explanatory diagram of one embodiment of a network configuration to which a usage specification notification method according to the present invention can be applied. In FIG. 17, the user A is a user who has subscribed to the usage statement transmission service by e-mail of the present invention, and the terminal 1 is a terminal used by the user A.

In the embodiment, an e-mail program is installed in the terminal 1, and an e-mail containing the usage statement sent from the usage statement notification mail transmitting device is transmitted via a mail server (not shown). The data can be received and displayed on the display unit of the terminal 1.

[0147] Further, the usage statement notification e-mail transmitting device 3 uses B
User A which is a server computer provided in the bank
When there are automatic deposits and withdrawals of various deposits and automatic withdrawals of various fees from the deposit account, the details are added to the body of the e-mail and transmitted to the terminal 1 of the user A.

The usage statement notification mail transmission device 4 is a server computer provided by the C credit company. When the user A receives a credit usage statement from a credit partner store or the like who has used the credit, every time the user A receives a notification of the credit statement, Then, a usage statement is added to the body of the e-mail and transmitted to the terminal 1 of the user A.

Also, the usage statement notification mail transmitting devices 3 and 4
Adds an advertisement to part of the e-mail sent to terminal 1,
It is also possible to send a usage statement notification mail with advertisement to the terminal 1.

Also, the usage statement notification mail transmission devices 3 and 4
All have security measures such as firewalls to deal with information leaks and hacks, and have advanced security and privacy protection functions.

Also, the usage statement notification mail transmitting devices 3 and 4
As shown in FIG. 2, a plurality of mail address search records 200 storing the account number 201, the mail address 202, and the user name 203 of the user subscribing to the usage statement transmission service by e-mail are stored. A database (not shown) storing a user address search file is provided.

Although not shown, other financial institutions, such as banks and securities companies, can provide a usage statement transmission service by e-mail using the Internet 8 similarly to Bank B. Also, a credit sales company such as another credit company can provide a usage statement transmission service by e-mail using the Internet 8 in the same manner as the C credit company.

Also, the account number, e-mail address, balance information, usage statement, etc. must not be known to others,
Data transmitted and received between the usage statement notification mail transmitting devices 3 and 4 and the user terminals are encrypted. Also,
In the transmission and reception of information between the usage statement notification mail transmitting devices 3 and 4 and the user terminal, it can be configured to prevent spoofing.

FIG. 18 is a flowchart showing one embodiment of the operation of the usage statement notification mail transmitting apparatus at the time of transmitting the usage statement data, and FIG. It is a figure showing one example.

Step S1: (Reception of Usage Statement Data) The usage statement notification mail transmitting apparatus receives usage statement data transmitted from a usage statement data generating apparatus (or usage statement data generating apparatus) (not shown) via a network.
Here, the usage statement data generating device is a credit dispenser such as a cash dispenser or a credit card reader installed by a financial institution or a credit company, an input device at a store window of a financial institution or a credit sales business, or a branch of a service business. Input devices and data processing devices installed at stores and stores. Usage statement data generated or generated by these devices is aggregated by a central unit (not shown) of each financial institution or each credit company via a network. Then, it is transmitted to the usage statement notification mail transmitting device via the network. Although the transmission timing is real-time in the present embodiment, it may be transmitted in batches at predetermined intervals (usually one business day).

Step S2: (Category Arrangement and Editing of Usage Statement Data) The usage statement notification mail transmitting apparatus sorts and organizes the usage statement data received in step S1, and then edits it.

Step S3: (Acquisition of E-mail Address) The usage statement notification email transmission device extracts the account number from the usage statement data received in step S1, searches the email address search file using the account number as a key, and finds a matching email. The mail address 202 stored in the address search record 200 is extracted.

Step S4: (Creation of E-mail (Usage Statement Notification Mail)) The utilization statement notification mail transmission device creates an e-mail addressed to the e-mail address obtained in step S3 using an e-mail program. At this time, the usage statement data edited in step S2 is added to the body of the e-mail.

It should be noted that, when creating an e-mail in this step, an operation of adding an advertisement of the company or the like to a part of the e-mail or adding advice information may be performed. As the advice information, in the case of a credit company as an example, there are guidance information on service contents (scores, points, campaign details, etc.) and information on how to deal with lost or stolen cards.

Step S5: (Transmission of E-mail (Usage Statement Notification Mail)) The utilization statement notification mail transmission device sends the e-mail created in step S4 to the Internet 8 by an e-mail program.

In the above description, the usage statement notification mail transmitting apparatus and the center apparatus of each financial institution or credit company are separate apparatuses. However, the usage statement notification mail transmitting apparatus and the center apparatus may be the same apparatus.

According to the operation shown in FIG. 18, the terminal 1 of the user A subscribing to the usage statement transmission service by e-mail receives the usage statement notification mail 40 as shown in FIG. 19 through a mail server (not shown), and is encrypted. An e-mail (usage notice mail) having contents of use by decoding the received data can be displayed on the screen. In FIG. 19, reference numeral 41 denotes the user name displayed in the destination column, reference numeral 42 denotes a usage statement, and reference numeral 43 denotes an advertisement added to the usage statement notification mail 40. In the case of a credit use guide as an example, the total use amount, the use limit amount, and the withdrawal date can be added to the use details at the time of editing in step S2.

It should be noted that the method of notifying the use statement can be selected by mail or electronic mail at the time of contract with each financial institution or credit company that issues the use statement, or due to a change during the contract. When there is no e-mail usage environment (that is, when there is no terminal capable of receiving e-mails or when the operation is not possible), a written notice is sent by mail or the like as before, and the e-mail registered at the time of subscription to the e-mail notification applicant Sent to the address.

With the above configuration, the user can know the debit status and the latest status of the account balance by opening an e-mail sent each time a bank account is debited. If you have any doubts, you can promptly contact the bank and deal with it, deal with unauthorized withdrawals due to theft of bankbooks and bank cards, and suspend service transactions by service providers due to excessive or insufficient account balances Can be prevented.

Further, the user can check the latest credit use status by opening an e-mail sent each time a credit is used, so that the user can discover unauthorized credit use due to theft of a credit card or unauthorized use of a credit member store. In such a case, it is possible to contact the credit company and stop the settlement for improper use (= bank debit) beforehand.

The embodiment of the present invention has been described above. However, the present invention is not limited to the above-described embodiment, and it goes without saying that various modifications can be made.

[0167]

As described above, according to the usage statement issuing system of the first invention and the usage statement issuing service program of the twelfth invention, the usage statement of each service provider with which the user is trading is used. Totals are sent periodically by e-mail, so you can easily view the usage statements that have been categorized and organized by simply opening an e-mail, without having to log in yourself to obtain usage details and perform calculations. You can grasp the whole.

Further, according to the usage statement issuing system of the second and third inventions and the usage statement issuing service program of the thirteenth invention, the usage statement of each service provider with which the user has made a transaction is stored for a predetermined period. At a predetermined time, it is classified and arranged by user and office and printed, and is bundled into one envelope for each user. Therefore, when each service provider has individually mailed or delivered a usage statement as in the past, In comparison, mailing or delivery costs can be reduced. In addition, it is possible to receive the delivery of the usage statement of each service provider packaged in a single sealed letter, and to collectively perform paperwork.

Further, according to the usage statement issuing systems of the fourth and fifth inventions, in response to a user's browsing request, the usage details of each business entity with which the user is trading are totaled and periodically mailed. By sending, users can simply open the incoming e-mail and list the usage details that have been categorized and organized as needed, without having to log in and obtain the usage details and perform calculations. You can grasp the whole.

Further, according to the usage statement issuing system of the sixth invention and the usage statement notification method of the tenth invention, an advertisement is added to the usage statement browsing data, so that the attention rate is high and the advertising effect is large.

According to the usage statement issuing system of the seventh invention and the usage statement notification method of the eleventh invention, since the usage statement data is encrypted, it is stolen or illegally referenced by a third party. Even the content is not known.

Further, according to the usage statement notifying method of the eighth invention and the usage statement issuing service program of the fourteenth invention, the financial institution sends an e-mail to the user every time a deposit account is deposited or withdrawn or withdrawn. , The user can confirm the latest account balance, confirm the payment, and confirm the withdrawal, and can prevent occurrence of insufficient account balance or oversight of mistakes in the withdrawal. Also, because you can know the latest status of the account balance, you can check the correctness of the debited amount and promptly contact the bank if there is any fraud or doubt, and fraudulent due to theft of the bankbook or bank card It is possible to cope with withdrawals and to prevent service providers from suspending and suspending transactions due to excessive or insufficient account balances.

According to the usage statement notifying method of the ninth invention and the usage statement issuing service program of the fifteenth invention, the credit company sends a credit usage statement to the user by e-mail every time a credit is used. So
The user can check the latest credit use status, find out illegal credit use due to theft of a credit card or a fraudulent credit member store, and stop the payment for the illegal use before it occurs.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram of one embodiment of a network configuration to which a periodic usage statement notification method according to the present invention can be applied.

FIG. 2 is a diagram showing an embodiment of a mail address search file.

FIG. 3 is an explanatory diagram of a functional configuration example of a usage statement issuing Web site that periodically transmits a usage statement notification mail and a configuration example of a database.

FIG. 4 is a flowchart illustrating an example of a usage statement notification operation of a usage statement issuing Web site.

FIG. 5 is a diagram showing an embodiment of a usage statement in a usage statement notification email received by a user who sends a usage statement transmission service by electronic mail.

FIG. 6 is a diagram showing an embodiment of a usage statement in a usage statement notification email received by a user who sends a usage statement transmission service by electronic mail.

FIG. 7 is a diagram showing an embodiment of a configuration of a control unit of the usage statement issuing server 2.

FIG. 8 is a flowchart showing one embodiment of a usage statement notification issuing operation of a usage statement issuing server.

FIG. 9 is an overall block diagram showing an embodiment of a usage statement issuing system operation method.

FIG. 10 is an overall block diagram showing an embodiment of a usage statement issuing system operation method.

FIG. 11 is an overall block diagram showing an embodiment of a usage statement issuing system operating method.

FIG. 12 is an overall block diagram showing an embodiment of a usage statement issuing system operation method.

FIG. 13 is a diagram showing an embodiment of a statement issuance timing.

FIG. 14 is an explanatory diagram of a network configuration to which a usage statement notification method by a usage statement issuing Web site can be applied.

FIG. 15 is an explanatory diagram of a functional configuration example of a usage statement issuing Web site and a configuration example of a database.

FIG. 16 is a flowchart showing one embodiment of a usage statement browsing data transmission operation of a usage statement issuing Web site.

FIG. 17 is an explanatory diagram of one embodiment of a network configuration to which a usage statement notification method according to the present invention can be applied.

FIG. 18 is a flowchart illustrating an example of an operation of the usage statement data transmitting apparatus when transmitting usage statement data.

FIG. 19 is a diagram showing an example of a usage statement notification email received by a user subscribed to a usage statement transmission service by electronic mail.

FIG. 20 is a diagram showing an example of a conventional usage statement issuing system.

FIG. 21 is a diagram showing an example of a conventional usage statement issuing system.

[Explanation of symbols]

1,11 Terminal 2 Usage statement issuing server 3,4,5,7 Usage statement notification mail transmitting device (server computer) 8 Internet 12 Usage statement issuing Web site 13-17 Usage statement data transmitting device (server computer) 21 Service provider 22 Financial Institutions 23 Usage Statement Issuing Service Provider 24 Mailing Company 25 Mailing Company and Usage Statement Issuing Service Provider (Specification Issuing Service Provider) 26 Financial Institution and Usage Statement Issuing Service Provider (Specification Issuing Service Provider) 27) Financial institution / mailing company / use statement issuing service provider (statement issuing service company) 31 control unit 32 database 40 usage statement notification mail (e-mail) 42 usage statement 43 advertisement 51 communication control means 52 user registration control Means 53 Usage statement notification service means 61 User information file 62 Account file for each registrant 63 Usage data file 71 Control unit 72 Database 81 Communication control means 82 User registration control means 83 Usage browsing service means 91 User information file 92 Information file for each registrant 200 User address search record 201 Account number 202 Email address 203 User name 531 Usage statement data storage means 532 Usage statement data storage means 533 Usage statement creation means 534 Usage statement notification email creation means 535 Usage statement notification email transmission means 536 Print output means 831 User authentication means 832 Transaction Information acquisition unit 833 Usage statement data acquisition unit 834 Usage statement creation unit 835 Browsing data generation unit 836 Browsing data transmission unit

Claims (15)

[Claims] 1. Usage statement data receiving means for receiving usage statement data of a user of each service provider transmitted from a plurality of service providers via the Internet, and storing the received usage statement data in a memory. Usage statement data storage means, Usage statement creation means for extracting usage statement data for a predetermined period from the stored usage statement data at a predetermined timing, sorting and organizing the usage statement notification data for each user. A usage statement notification mail creating unit that creates a usage statement notification email from the usage statement notification data; and a usage statement notification email transmitting unit that sends the usage statement notification email to the user terminal via the Internet. A usage statement issuing system characterized in that: 2. Usage statement data storage means for storing usage statement data of a user of each service provider received from a plurality of service providers in a memory, and use of the stored usage statement data for a predetermined period. Usage statement creating means for classifying and organizing the statement data to create usage statement notification data for each user; printing output control means for printing the created usage statement notification data to obtain a usage statement notification; Integrating means for integrating the user-specific and business-specific usage statement notification for each same user, and delivering the usage statement notification integrated for each same user to the user. Publishing system. 3. A usage statement data transmitting device provided by each of a plurality of service providers, a usage statement issuing agent device, and a communication network connecting the plurality of usage statement data transmitting devices and the usage statement issuing agent device. The usage statement issuance agent device, usage statement receiving means for receiving usage statement data of the user of each of the businesses transmitted from the plurality of usage statement data transmitting apparatuses via the communication network, Usage statement storage means for storing the received usage statement data for each of the establishments; and extracting usage statement data for a predetermined period from the usage statement storage means at a predetermined time, and classifying and organizing the data by user and establishment. Usage statement creating means for creating usage statement notification data for each user, and printing the created usage statement notification data to obtain a usage statement notification Use details issuing system comprising: the printing output means. 4. A usage statement data transmission device provided by each of a plurality of businesses, a plurality of user terminals, and a usage statement of the user from the usage statement data transmission device based on a usage statement issuance request from the user terminal. We acquire data, generate usage statement issuance data, and transmit to the transmission source terminal that has issued the usage statement issuance request via the Internet
A usage statement issuance system, wherein the b site is connected to the Internet. 5. The Web site includes: a user registration unit that registers user information, user authentication information, and account information for each user; and a transmission request receiving unit that receives a usage statement issuance request from a user terminal via the Internet. An authentication unit that authenticates a transmission source user of a usage statement issuance request received by the transmission request reception unit based on user authentication information registered in the user registration unit; and for a user authenticated by the authentication unit, Usage statement data receiving means for obtaining usage statement data of the user from each of the usage statement data transmitting apparatuses via the Internet based on the account information registered in the user registration module; and acquiring by the usage statement data receiving module. Use to classify and organize each usage statement data created and generate usage statement notification data Detailed notification data generating means, and transmitting means for transmitting, via the Internet, the usage statement notification data generated by the usage statement notification data generating means to the transmission source terminal that transmitted the usage statement issuance request. The usage statement issuing system according to claim 4, characterized in that: 6. The usage statement issuance system according to claim 5, wherein the issuance data generation unit includes a unit for adding an advertisement to the usage statement issuance data. 7. The usage statement issuing system according to claim 1, wherein the usage statement data is encrypted. 8. A step in which a financial institution receives an account debit request from a bank account concluded contract with the financial institution, and, based on the request, debits a debit amount included in the request to a designated account of a user. Transmitting a withdrawal statement data based on the contents of the withdrawal to a user terminal via the Internet each time the request is made. 9. A step in which a credit company receives a credit use notice from a credit use partner affiliated with the credit company, and every time the credit use notice is received, credit use statement data based on the credit notice is transmitted to the Internet. Transmitting to the user terminal via a communication terminal. 10. The method of claim 8, wherein transmitting to the user terminal includes adding an advertisement.
Usage statement notification method described. 11. The method according to claim 8, wherein the usage statement data is encrypted. 12. A program executed by a usage statement issuing system for notifying a user of a usage statement of a user of a service provider, wherein the user of each service provider transmitted from a plurality of service providers via the Internet. Receiving the usage statement data, storing the received usage statement data in a memory, determining the arrival of a predetermined time, and arriving at the predetermined period in the stored usage statement data. A step of extracting usage statement data for a predetermined period; a step of classifying and sorting out the extracted usage statement data to create usage statement notification data for each user; a usage statement notification mail from the created usage statement notification data And transmitting the created usage statement notification email to the user via the Internet. Use details issuance service program for sending The terminal addressed, comprising the. 13. A program executed in a usage statement issuing system for notifying a user of a usage statement of a user of a service provider, wherein the program is executed by a plurality of service providers via a communication network. Receiving the usage statement data of the user; storing the received usage statement data of the user of each service provider in a memory; determining the arrival of a predetermined time; Extracting the usage statement data for which the predetermined period has arrived for a predetermined period; and classifying and organizing the extracted usage statement data by user / business establishment to generate usage statement notification data for each user; Printing the created usage statement notification data. Service program. 14. A program executed by a usage statement issuing system for notifying a user of a statement of debit from an account of a financial institution, wherein the financial institution is configured to debit an account from a contracting party of the account debit with the financial institution. Receiving a request via a communication network; and, each time the debit amount included in the debit request is deducted from a user's designated account, generating debit specification data based on the details of the debit. Transmitting the created withdrawal statement data to a user terminal via the Internet. 15. A program executed by a usage statement issuing system for notifying a user of usage details of a credit company to a user, wherein the credit company establishes a communication network from a credit usage partner affiliated with the credit company. Receiving a credit use notification transmitted via the Internet; each time receiving the credit use notification, creating credit usage statement data based on the credit use notification; and transmitting the created usage statement data to the Internet. And transmitting to the user terminal via the service statement.