JP2002269475A - Charge payment method and charge payment system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a charge payment method and a charge payment system being efficient for a user and allowing a seller to recover a charge surely. SOLUTION: A commodity sales terminal unit 10 transmits price data related to a selected commodity to the charge payment system 20. A management computer 21 extracts an ATM terminal unit 11 used in charge payment using a data storage part 22 of a corresponding terminal unit and informs the commodity sales terminal unit 10. The user transfers money into a bank using the informed ATM terminal unit 11 of the commodity sales terminal unit. Upon completion of payment into a bank account, the management computer 21 extracts the commodity sales terminal unit 10 using the data storage part 22 of the corresponding terminal unit and transmits the result of receipt of money to the commodity sales terminal unit 10.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fee payment method and a fee payment system used for mediating fee payment between a product / service provider and a user.

[0002]

2. Description of the Related Art Today, there are many e-commerce services capable of requesting goods and services using terminals connected to a network. In payment of the provision fee for such products and services, a bank account transfer provided by a bank as a banking service is often used. For example, in this case, first, the provider of the product or service notifies the user who is the requester of the product or service of the bank account number of the provider. And the user is ATM
(Automated-teller machine) Transfer to a designated bank account using a bank terminal such as a terminal. Here, it is convenient for the user if it is possible to perform the request processing of the goods and services and the fee payment processing consistently.

[0003]

However, it is understood that an ATM terminal or the like is a part of a bank counter. Banks perform bank-specific operations, such as receiving deposits, lending, and foreign exchange transactions, and are the lifeline of social economic activities. For this reason, if a bank provides a user with a product or service that is not directly related to the banking business, the user may be confused. That is,
If a user mistakenly confuses a request for a banking operation such as a deposit at an ATM terminal serving as a bank counter with a request for a product / service, there is a risk of causing social confusion. Therefore, it is necessary to take measures to prevent misunderstandings,
A clear division such as a service information providing terminal (product sales terminal) and an ATM terminal is required.

[0004] However, in this case, after ordering goods and services at the merchandise terminal, the user must use the ATM terminal to pay the fee to the bank account designated by the goods / service provider. And it was complicated for the user. In addition, it takes time from requesting a product or service to paying a fee, and prompt processing cannot be performed for both the user and the provider of the product or service.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a method for efficiently ordering goods and services, and for assured and prompt charges for goods and services providers. The present invention provides a fee payment method and a fee payment system that can collect the fee.

[0006]

In order to solve the above-mentioned problems, the invention according to claim 1 uses a fee payment system having a management computer to reduce a fee related to a transaction at an information providing terminal by a financial institution. A fee payment method for performing a financial institution account transfer using a terminal, wherein the management computer receives fee payment instruction data from the information providing terminal, and wherein the management computer is associated with the information providing terminal. Specifying that the financial institution terminal has been transferred, and the management computer transmitting data on the financial institution terminal to the information providing terminal to prompt execution of a financial institution account transfer relating to the transaction. And

According to a second aspect of the present invention, in the fee payment method according to the first aspect, in the fee payment method, the management computer determines the data relating to the fee amount included in the payment instruction data as the specified data. And transmitting to the financial institution terminal.

[0008] The invention according to claim 3 is the invention according to claim 1 or 2.
In the fee payment method described in the above, the fee payment method,
The gist of the present invention is that the management computer further includes a step of transmitting data on the transfer destination included in the payment instruction data to the specified financial institution terminal.

According to a fourth aspect of the present invention, in the fee payment method according to any one of the first to third aspects, the fee payment method includes the steps of: The summary is that the management computer further includes a step of specifying an information providing terminal to which the data relating to the deposit result is transmitted, and a step of transmitting the data relating to the deposit result to the information providing terminal.

[0010] According to a fifth aspect of the present invention, in the fee payment method according to any one of the first to fourth aspects, the step of specifying the financial institution terminal includes information on an information providing terminal and a financial institution terminal. The gist is to specify based on the corresponding terminal data recorded in association with the information.

According to a sixth aspect of the present invention, in the fee payment method according to any one of the first to fifth aspects, the information on the information providing terminal is an identifier of the information providing terminal, and the financial institution terminal The summary of the information is that it is the identifier of the financial institution terminal.

According to a seventh aspect of the present invention, in the fee payment method according to any one of the first to fifth aspects, the information on the information providing terminal is position information of the information providing terminal, and The point is that the information on the terminal is the position information of the terminal of the financial institution.

[0013] The invention according to claim 8 is a fee payment system for managing a financial institution terminal for paying a fee for a transaction at an information providing terminal, wherein information on the information providing terminal and information on the financial institution terminal are stored. A corresponding terminal data storage unit recorded in association with the corresponding terminal data storage unit, and a financial institution terminal for paying a fee for a transaction at the information providing terminal based on the corresponding terminal data recorded in the corresponding terminal data storage unit; And a management computer for transmitting data relating to the financial institution terminal.

According to a ninth aspect of the present invention, in the fee payment system according to the eighth aspect, the fee payment system includes transaction data storage means for recording data relating to a fee amount for a transaction at the information providing terminal. It is the gist of having more.

According to a tenth aspect of the present invention, in the fee payment system according to the eighth or ninth aspect, the fee payment system stores transaction data for recording data on a transfer destination for a transaction at the information providing terminal. The gist of the present invention is to further have means.

The invention according to claim 11 is the invention according to claims 8 to 1
0 in the fee payment system according to any one of
The information on the information providing terminal is an identifier of the information providing terminal, and the information on the financial institution terminal is an identifier of the financial institution terminal.

The twelfth aspect of the present invention is the eighth aspect of the present invention.
0 in the fee payment system according to any one of
The information on the information providing terminal is the position information of the information providing terminal, and the information on the financial institution terminal is the position information of the financial institution terminal.

(Operation) According to the first aspect of the present invention,
The management computer specifies a financial institution terminal associated with the information providing terminal, transmits data related to the financial institution terminal to the information providing terminal, and prompts execution of a financial institution account transfer related to the transaction. For this reason, the user
A financial institution terminal used for payment of a fee for a transaction at the information providing terminal can be grasped.

According to the second aspect of the present invention, the management computer transmits the data on the fee amount included in the payment instruction data to the specified financial institution terminal. For this reason, the financial institution terminal can grasp the charge amount related to the transaction performed by the information providing terminal. Therefore, there is no need for the user to input the fee amount to the financial institution terminal.

According to the third aspect of the present invention, the management computer transmits data on the transfer destination included in the payment instruction data to the specified financial institution terminal. For this reason, the financial institution terminal can grasp the transfer destination related to the transaction performed at the information providing terminal. Therefore, the user does not need to input the transfer destination to the financial institution terminal.

According to the fourth aspect of the invention, when the account transfer of the financial institution is completed, the management computer specifies an information providing terminal for transmitting data relating to the payment result, and the information providing terminal transmits the payment to the information providing terminal. Send data about the result. For this reason, the information providing terminal can grasp that the payment of the fee is completed. Therefore, based on the deposit result,
Product sales processing can be performed as needed.

According to the invention described in claim 5, the management computer specifies the financial institution terminal based on the corresponding terminal data recorded in association with the information on the information providing terminal and the information on the financial institution terminal. Therefore, the corresponding information providing terminal and the financial institution terminal are specified, and the request processing and the fee payment processing can be performed consistently.

According to the invention described in claim 6, the information on the information providing terminal recorded in the corresponding terminal data is the identifier of the information providing terminal, and the information on the financial institution terminal is the identifier of the financial institution terminal. For this reason, a terminal associated in advance can be directly determined based on these identifiers.

According to the invention described in claim 7, the information on the information providing terminal recorded in the corresponding terminal data is the position information of the information providing terminal, and the information on the bank terminal is the position information of the financial institution terminal. Therefore, a terminal that is convenient for the user can be determined based on the positional relationship between the information providing terminal and the financial institution terminal.

According to the invention described in claim 8, the fee payment system specifies a financial institution terminal associated with the information providing terminal, and manages the transmission of data relating to the financial institution terminal to the information providing terminal. Have a computer. For this reason, the user can grasp the bank terminal used for the payment of the transaction related to the information providing terminal, and can consistently perform the request processing and the payment processing.

[0026] According to the ninth aspect of the present invention, the fee payment system further includes transaction data storage means for recording data relating to a fee amount relating to a transaction at the information providing terminal. For this reason, the fee payment system can transmit the fee amount related to the transaction performed at the information providing terminal to the financial institution terminal. Therefore, there is no need for the user to input the fee amount to the financial institution terminal.

According to the tenth aspect of the present invention, the fee payment system further includes a transaction data storage unit for recording data regarding a transfer destination relating to a transaction at the information providing terminal. For this reason, the fee payment system can transmit the transfer destination related to the transaction performed on the information providing terminal to the financial institution terminal. Therefore, the user does not need to input the transfer destination to the financial institution terminal.

According to the eleventh aspect, the information on the information providing terminal recorded in the corresponding terminal data is the identifier of the information providing terminal, and the information on the financial institution terminal is the identifier of the financial institution terminal. For this reason, a terminal associated in advance can be directly determined based on these identifiers.

According to the twelfth aspect, the information on the information providing terminal recorded in the corresponding terminal data is the position information of the information providing terminal, and the information on the financial institution terminal is the positional information of the financial institution terminal. . For this reason, a terminal convenient for the user can be easily determined based on the positional relationship between the information providing terminal and the financial institution terminal.

[0030]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to FIGS. In this embodiment, a description will be given of a fee payment method and a fee payment system used when a user reserves a ticket and transfers the fee to a financial institution (here, a bank) using a financial institution terminal. The payment of this fee includes the ATM provided by the bank
Use a terminal.

As shown in FIG. 1, a fee payment system 20
Are connected to a merchandise terminal 10 as an information providing terminal and an ATM terminal 11 as a financial institution terminal. Product sales terminal 1
0, the ATM terminal 11 is provided as shown in FIG.
One computer terminal, which transmits data to the fee payment system 20 and receives data from the fee payment system 20. The product sales terminal 10 is a terminal that provides information on products and services. The ATM terminal 11 is an automatic teller machine, and is a multifunctional terminal device for a banking service of a financial institution for the purpose of automatically processing a window operation of the financial institution such as cash withdrawal and deposit without human intervention. is there.

The sales terminal 10 is connected to a sales system 31 via the Internet I. The product sales system 31 is a server of a product / service provider, and provides information related to the product, and manages sales and inventory. In the present embodiment, provision of vacant seat information of a concert ticket,
Accepts ticket reservations and provides tickets. The product sales terminal 10 includes a display unit 100 and a ticket discharging unit 101, as shown in FIG. The display unit 100 is a touch-panel display that displays product information and guidance instructions to the user, and performs data input processing by touching the display screen with a finger or the like.

The ATM terminal 11 is connected to the fee payment system 2
0, connected to the bank system 12 via the network N. The bank system 12 is a host computer that manages a banking service provided by a bank, and manages a bank account of a user or a product / service provider. Specifically, the transfer of funds is performed based on the data received via the network N, and the information of deposit into the bank account is transmitted to the ATM terminal. ATM terminal 1
As shown in FIG. 2, 1 includes a display unit 110 for displaying information related to the banking service to the user, a cash card insertion unit 111, a cash insertion / discharge unit 112, a transaction statement discharge unit 113, and a numeric keypad unit 114. The display unit 110 is a touch panel display that displays bank information and guidance instructions to be provided to the user, and data is input by touching the display screen with a finger or the like. Cash card insertion unit 11
Reference numeral 1 denotes an insertion slot for inserting a cash card when a user transfers funds in a bank account. The cash insertion / ejection unit 112 is an insertion slot into which cash is inserted when a user pays for cash. The transaction statement output unit 113 is an outlet from which the printed transaction statement is output. The numeric keypad unit 114 is used when the user inputs a numerical value such as a personal identification number, an account number, and an amount.

The fee payment system 20 includes a management computer 21 as shown in FIG. The management computer 21 transmits and receives data between the sales terminal 10 and the ATM terminal 11. Further, the management computer 2
1 transmits to the bank system 12 the instruction for the transfer of funds received from the ATM terminal 11. Management computer 2
The 1, CPU (not shown), a computer having RAM, and ROM, and performs execution of various programs, management of data to be described later, the control of transmission and reception.

The management computer 21 is connected to a corresponding terminal data storage unit 22 as a corresponding terminal data storage unit and a transaction data storage unit 23 as a transaction data storage unit.

As shown in FIG. 3, the corresponding terminal data storage section 22 stores corresponding terminal data 220 relating to the relationship between the sales terminal 10 and the ATM terminal 11. The corresponding terminal data 220 is recorded when the sales terminal 10 and the ATM terminal 11 are installed. In the present embodiment, the corresponding terminal data 220 records data relating to the ATM terminal identifier and the sales terminal identifier in association with each other. In this ATM terminal identifier data area, an identifier for identifying the ATM terminal 11 used for payment of the fee for the transaction is recorded. In the merchandise terminal identifier data area, an identifier for identifying the merchandise terminal 10 used for determining a product and issuing a ticket is recorded.

As shown in FIG. 4, the transaction data storage unit 23 records transaction data 230 relating to a transaction agreed between the product / service provider / user. The transaction data 230 is recorded when a product request is made between a product / service provider / user and payment instruction data is received. In the present embodiment, the transaction data 230 includes:
The transfer destination, account number,
Data on the amount and the ATM terminal identifier are recorded.
This transaction identifier is an identifier for specifying an order established between the product / service provider and the user.
Is recorded when the user inputs a payment instruction. In the transfer destination data area, data on the transfer destination of the fee is recorded. For example, a name of a product / service providing company that provides products, such as a name registered in a bank, is recorded. In the account number data area, data on the transfer destination of the fee is recorded. Specifically, data for specifying the bank account of the product / service provider that provides the product is recorded. Here, a bank code, a branch code, and an account number are recorded. In the amount data area, data relating to the amount paid for the product sold by the product / service provider is recorded. In the ATM terminal identifier data area, data relating to the identifier of the ATM terminal 11 performing the transfer of the fee is recorded. This data is recorded when the ATM terminal 11 that performs the transfer of the fee is determined.

Next, in the system configured as described above, a processing procedure when a product / service provider and a user make a transaction will be described with reference to FIGS. Here, a description will be given as processing when a user purchases a concert ticket. In this case, there are roughly three stages. That is, a stage in which a user places an order for a product using the product sales terminal 10, a stage in which the user transfers a fee for the product using the ATM terminal 11, and
0 is a stage to receive a ticket.

First, the processing at the stage when the user places an order for a product using the product sales terminal 10 will be described with reference to FIG. First, the user determines a product (concert ticket) to be traded using the product sales terminal 10 (S1-1). In this case, first, a display screen 300 shown in FIG. 6 is displayed on the display unit 100 of the sales terminal 10. On the display screen 300, a selection button 301 for a selectable menu is displayed. Here, "ticket" is selected. Data relating to the selected item is transmitted to the sales system 31 via the Internet I.

The sales system 31 receiving this data
Extracts information on the selected item and transmits it to the sales terminal 10 via the Internet I. The display screen 310 shown in FIG. 7 is displayed on the display unit 100 of the sales terminal 10 receiving this data. The display screen 310 includes:
A selection button 311 for a selectable concert is displayed. Further, on the display screen 310, a forward button 312 for displaying another ticket candidate and a backward button 313 for returning to the previous display screen are displayed. Here, the user selects “XX Charity Concert” on March 22.

When the selection button 311 is pressed, the sales terminal 10 transmits data on the selected item to the sales system 31 via the Internet I. next,
The product sales system 31 extracts information on the selected item and transmits the information to the product sales terminal 10 via the Internet I. The display unit 10 of the sales terminal 10 receiving this data
At 0, a display screen 320 shown in FIG. 8 is displayed. The display screen 320 displays information 321 and price information 322 about the selected concert. Further, a payment button 3 for paying the price of this concert ticket
23 and a retreat button 324 for returning to the previous display screen are displayed. Here, it is assumed that a ticket for this concert is purchased, and the user presses the payment button 323.

In this case, the product sales terminal 10 assigns a number as a transaction identifier to the ticket request (temporary reservation), and transmits the temporary reservation data to the product sales system 31. The provisional reservation data includes data on the type of the ticket and data on the transaction identifier. The product sales system 31 that has received the tentative reservation data makes a tentative reservation for this ticket. And the product sales system 31
Transmits a temporary reservation notification to the product sales terminal 10. The provisional reservation notice includes the transfer destination name and the bank account number of the product / service provider. Next, the merchandise sales terminal 10 generates price data on the ticket, and the fee payment system 20
(S1-2). The price data includes data relating to the identifier of the merchandise terminal 10 that performed the processing (merchandise terminal identifier), data relating to the transaction identifier, data relating to the transfer destination of the ticket fee, data relating to the bank account of the transfer destination, and the price relating to the ticket. Contains data.

The management computer 21 receiving the price data records the price data in the transaction data storage unit 23 (S1-3). Next, the management computer 21
Based on the identifier of the sales terminal 10, the identifier of the corresponding ATM terminal 11 is extracted from the corresponding terminal data 220 recorded in the corresponding terminal data storage unit 22 (S1-4). Here, the “next” ATM terminal is extracted as the ATM terminal 11 corresponding to the product sales terminal 10. Then, the management computer 21 records the identifier of the ATM terminal in the transaction data 230 of the transaction data storage unit 23 in association with the transaction identifier. Next, the management computer 21 sends the ATM
The terminal instruction data is transmitted to the sales terminal 10 (S1-
5). The instruction data includes an AT for paying a fee.
Data about the M terminal is included. A display screen 330 shown in FIG. 9 is displayed on the display unit 100 of the sales terminal 10 receiving the instruction data (S1-6). The display screen 330 displays instruction information indicating an ATM terminal for which a user pays a fee. The user performs processing at the designated ATM terminal based on this instruction.

Further, the management computer 21 converts the transaction data 230 recorded in the transaction data storage 23 into an ATM.
The data is transmitted to the terminal 11 (S1-7). Based on this data, the user performs a payment process using the ATM terminal 11 (S1-8). First, a display screen 340 shown in FIG. 10 is displayed on the display unit 110 of the ATM terminal 11 that has received the transaction data 230. On this display screen 340, transferee information 341 and a transfer amount 342 are displayed. The payee information 341 displays the payee name and the bank account number of the payee. Further, the display screen 340 includes:
A payment button 343 used to execute payment and a stop button 344 used to stop payment are displayed. The payment button 343 is used to execute payment, and the stop button 344 is used to stop payment.
Here, the user presses the payment button 343.

Next, an instruction to pay the fee is displayed on the display unit 110 of the ATM terminal 11. Specifically, FIG.
Is displayed on the display screen 350 shown in FIG. According to this display, the user inserts the cash or cash card into the ATM terminal 1
Put in 1. When using cash, the cash of the cash insertion / ejection unit 112 is input. When a cash card is used, the cash card is inserted into the cash card insertion unit 111.

When cash or a cash card is inserted, personal authentication processing and the like are performed in the same manner as in normal transfer processing. Specifically, the ATM terminal 11 transmits data relating to the transfer destination and the transfer amount displayed in FIG. When a cash card is used, data on the bank account of the transfer source (here, the bank account of the holder of the cash card) and data on the cash card PIN are also transmitted. Thereby, the bank system 12 executes the transfer of the predetermined amount to the transfer destination bank account. When the deposit processing is completed, the bank system 12 transmits the deposit result to the management computer 21.

Next, the management computer 21 receives the deposit result from the bank system 12 (S1-9). This payment result is for notifying that the transfer processing has been completed. Management computer 21 that has received this data
Extracts a merchandise terminal that performs ticketing processing (S1-1).
0). First, the management computer 21 extracts the identifier of the ATM terminal 11 recorded in the transaction data storage unit 23. Next, the identifier of the corresponding sales terminal 10 is extracted from the corresponding terminal data 220 recorded in the corresponding terminal data storage unit 22. Here, the “next” sales terminal 10 is extracted as the sales terminal 10 corresponding to the ATM terminal 11.

Next, the management computer 21 transmits the instruction data of the sales terminal 10 to the ATM terminal 11 (S1-
11). The instruction data includes data relating to the sales terminal 10 performing the ticketing process. The display screen 360 shown in FIG. 12 is displayed on the display unit 110 of the ATM terminal 11 which has received the instruction data (S1-12). On this display screen 360, instruction information indicating the sales terminal 10 from which the user can receive the concert ticket is displayed. The user performs processing at the designated product sales terminal 10 based on this instruction. Further, the ATM terminal 11
The transaction statement is discharged from the transaction statement discharge unit 113. Also,
When a cash card is used for payment, the cash card is also discharged.

Next, the management computer 21 transmits the payment result to the extracted sales terminal 10 (S1-13). This payment result is for notifying that the transfer processing has been completed. The merchandise terminal 10 receiving this deposit result
Performs a ticket issuing process (S1-14). Specifically, a display screen 370 shown in FIG. 13 is displayed on the display unit 100 of the sales terminal 10. And the sales terminal 10
Prints a concert ticket and outputs the ticket
Discharge from 1. Further, the sales terminal 10 notifies the sales system 31 via the Internet I that the transfer processing has been completed and that the ticketing processing has been performed. Upon receiving this notification, the product sales system 31 changes the tentative reservation for this ticket to a formal reservation. With the above, the fee payment processing is completed.

As described above, according to the present embodiment, the following effects can be obtained. In the above embodiment, the purchase of the ticket is performed by the merchandise terminal 10 and the payment processing is performed by the ATM terminal 11. The merchandise terminal 10 and the ATM terminal 11 are independent terminals, and can prevent users from being confused. In addition, a terminal that provides information specific to product sales such as concert vacant seat information as the product sales terminal 10 and a terminal that provides a normal banking service can be used as the ATM terminal 11 as it is.

In the above embodiment, the ticket request processing and the fee payment processing are performed consistently. For this reason,
The product / service provider can quickly collect the ticket fee.

In the above embodiment, the corresponding terminal data storage unit 22 stores the ATM terminal identifier and the sales terminal identifier in association with each other. Therefore, the management computer 21 can automatically specify the ATM terminal 11 that pays the fee and the sales terminal 10 that issues the ticket. Therefore, the user can consistently perform the request processing and the fee payment processing.

In the above embodiment, when a ticket desired to be purchased is selected, the display screen 330 specifying the ATM terminal 11 is displayed on the display unit 100 of the sales terminal 10. For this reason, the user is required to make an ATM terminal 11 to perform the transfer processing.
Can be surely grasped.

In the above embodiment, when the ticket to be purchased is determined, the merchandise terminal 10 transmits data on the transfer destination and the bank account number to the ATM terminal 11 via the management computer 21. For this reason, the troublesome work of the user to input the transfer destination and the bank account number to the ATM terminal 11 can be saved. Then, the product / service provider can reliably receive the fee through the designated bank account.

In the above embodiment, when the ticket to be purchased is determined, the merchandise terminal 10 transmits the data on the fee amount to the ATM terminal 1 via the management computer 21.
Send to 1. For this reason, the user sets the amount in the ATM terminal 1
1 can be saved. For the product / service provider, the fee can be reliably received.

In the above embodiment, the sales terminal 10 is connected to the sales system 31 via the Internet I. For this reason, various websites connected to the Internet I can be used.

In the above embodiment, the fee payment system 20 is provided between the ATM terminal 11 and the bank system 12. Therefore, the existing ATM terminal 11 can be used as it is. Therefore, the terminal resources of the bank can be effectively used.

In the above embodiment, when the transfer processing is completed, the display screen 360 that specifies the sales terminal 10
It is displayed on the display unit 110 of the M terminal 11. For this reason, the user can reliably grasp the sales terminal 10 that can receive the ticket.

In the above embodiment, when the transfer processing is completed, the management computer 21 sends the payment result to the sales terminal 1
Send to 0. Then, the sales terminal 1 receiving this result
0 performs ticket issuing processing. Therefore, the product / service provider can issue the ticket after reliably collecting the ticket fee. In addition, the user can immediately obtain a ticket in the same manner as in normal face-to-face sales.

In the above embodiment, the sales terminal 10
It notifies the sales system 31 via the Internet I that the transfer processing has been completed and the ticketing processing has been performed. For this reason, the product / service provider can quickly grasp the sales situation of the ticket.

The above embodiment may be changed to the following mode. In the above embodiment, the ATM terminal 11 is connected to the bank system 12 via the fee payment system 20 and the network N.
Connected to. Instead, as shown in FIG.
The M terminal 11 and the bank system 12 may be directly connected via the network N. In this case, the ATM terminal 11
Receives the payment result from the bank system 12, transfers the payment result to the management computer 21. Based on this, the management computer 21 executes step (S1-1)
0) Perform the following processing. Thereby, the load on the management computer 21 for transferring data can be reduced.

In the above embodiment, one sales terminal 1
0 is associated with one ATM terminal 11 and recorded in the corresponding terminal data storage unit 22. Instead of this, a plurality of ATM terminals 11 may be recorded in association with one sales terminal 10. In this case, in step (S1-4), the management computer 21 extracts an unused terminal from among the ATM terminals recorded in the corresponding terminal data storage unit 22 in association with the sales terminal 10.
As a result, the ATM terminal 11 can be used efficiently.

In the above embodiment, one sales terminal 1
0 is associated with one ATM terminal 11 and recorded in the corresponding terminal data storage unit 22. Instead of one A
A plurality of sales terminals 10 may be recorded in association with the TM terminal 11. In this case, in step (S1-10), the management computer 21 stores the unused sales terminal 1 in the sales terminal 10 recorded in the corresponding terminal data storage unit 22 in association with the ATM terminal 11.
Extract 0. Thereby, the sales terminal 10 can be used efficiently.

In the above embodiment, one sales terminal 1
0 is associated with one ATM terminal 11 and recorded in the corresponding terminal data storage unit 22. Instead, multiple A
A plurality of sales terminals 10 may be recorded in association with the TM terminal 11. In this case, in step (S1-4), the management computer 21 uses an unused AT.
The M terminal 11 is extracted, and in step (S1-10), the management computer 21 extracts an unused sales terminal 10. Thereby, the sales terminal 10 and the ATM terminal 11 can be used efficiently.

In the above embodiment, the ticket for the concert was purchased using the sales terminal 10. Instead,
In some cases, the sales terminal 10 does not perform the ticketing process. For example, on the display screen 300 of FIG.
Is selected. In this case, the display screen 31 of FIG.
0 displays a product list. When a desired product is selected, the product price is displayed on the display screen 320 of FIG. Here, when the payment button 323 is pressed,
Steps (S1-2) to (S1-9) are executed. Then, the management computer 21 sends the payment result to the ATM
The terminal 11 transmits the information to the sales system 31 via the network N, and the process ends. As a result, the merchandise sales terminal 10 can provide various services even if it does not involve ticketing processing, and can reliably collect the fee.

In the above embodiment, the concert ticket was purchased using the sales terminal 10. Instead,
In some cases, the sales terminal 10 does not perform the ticketing process. For example, on the display screen 300 of FIG.
And “Public charges” are selected. In this case, FIG.
A display screen 310 displays a product list and a type of utility bill to be paid by the user. In the case of "utilities", the user uses the product sales terminal 10 to enter a user identifier,
The product sales system 31 extracts a utility bill to be paid by the user. Then, when the desired product or the type of utility bill to be paid is selected, the product price and the utility fee are displayed on the display screen 320 of FIG. Here, the payment button 323
When is pressed, the processing of steps (S1-2) to (S1-9) is executed. Then, the management computer 21 transmits the payment result to the sales system 31 via the ATM terminal 11 and the network N, and ends the processing. This allows
Even if it does not involve ticketing processing, the product sales terminal 10 can provide various services and can reliably collect the fees.

In the above embodiment, when the payment button 323 is pressed in FIG. 8, the bank transfer processing is automatically performed. Alternatively, the payment method may be selectable. In this case, when the user presses the payment button 323, a display screen 380 shown in FIG. 15 is displayed. On display screen 380, select buttons 381 for selectable payment methods are displayed. Further, the display screen 380 includes
A retreat button 382 for returning to the previous display screen is displayed.
Here, only when the user uses the banking service provided by the ATM terminal, the sales terminal 10 transmits the price data to the management computer 21. For example, a case where “cash” or “cash card” is selected. In this case, if "credit card" is selected, the merchandise terminal 10 itself performs the processing. Thereby, various payment methods can be provided to the user.

In the above embodiment, the step (S1-
In 14), the product sales terminal 10 issued a ticket. Instead, the ATM terminal 11 may output a substitute for the ticket. For example, information about the selected concert may be printed in the journal column of the transaction statement discharged from the transaction statement discharge unit 113. Then, the management computer 21 transmits the payment result to the product sales system 31 via the ATM terminal 11 and the network N, and ends the processing. Thereby, the ticketing process can be made more efficient.

In the above embodiment, the product sales terminal 10 and the product sales system 31 are connected via the Internet I. Alternatively, connection may be made using a dedicated line or a public line.
In this case, it may be a virtual dedicated line. As a result, transactions can be performed more safely.

In the above embodiment, each data is recorded separately in each storage unit, but may be recorded collectively. For example, transaction data 2 relating to a transaction that is performing product sales processing
30 may be recorded in association with the corresponding terminal data 220. Further, the data recorded collectively may be recorded separately. For example, data relating to the transfer destination, account number, amount, and ATM terminal identifier may be recorded in another storage unit in association with the transaction identifier.

In the above embodiment, the computer terminal installed as the sales terminal 10 was used. Instead, a user's mobile phone terminal may be used. For example, a case where a mobile phone is used as a sales terminal will be described. In this case, the corresponding terminal data storage unit 22 records a mobile phone number as a sales terminal identifier in association with the ATM terminal identifier. For example, an ATM terminal 11 that can be used to transfer a fee for a product or service requested by a user is determined in advance. The user goes to a predetermined place where the ATM terminal 11 is installed, and performs a ticket selection process using a mobile phone. Then, at the stage of paying the fee, the mobile phone or the sales system 31 transmits the price data to the management computer 21. In this case, the corresponding terminal data storage unit 2
ATM terminal 1 based on the mobile phone number recorded in
1 is extracted. Hereinafter, steps (S1-5) to (S1-
The process of 9) is executed. Thereby, it is not necessary to install a specific sales terminal, and it is possible to cope with various transaction methods.
Also, the user can consistently perform the request processing and the fee payment processing at a predetermined place.

In the above embodiment, a computer terminal installed as the sales terminal 10 was used. Instead, a mobile phone terminal that can use the location information providing service, a mobile computer that can use GPS (Global Positioning Systems), or the like may be used. For example, a case where a mobile phone terminal or a mobile computer is used as a sales terminal will be described. In this case, the corresponding terminal data storage unit 22
, Position information on the ATM terminal is recorded as an ATM terminal identifier. First, the user performs a ticket selection process using a mobile phone or a mobile computer.
Then, at the stage of paying the fee, the mobile phone, the mobile computer, or the sales system 31 transmits the price data to the management computer 21 via the mobile phone network, the Internet I, or the like. Next, the management computer 21 acquires the location information of the mobile phone or the mobile computer from the location information providing service management server or the GPS. Then, the management computer 21 extracts the ATM terminal 11 close to or in the same area as the position of the mobile phone or mobile computer. Hereinafter, steps (S1-5) to (S1)
The process of -9) is executed. Accordingly, it is not necessary to install a specific sales terminal, and it is possible to cope with various transaction methods in various places. In addition, the request processing and the fee payment processing can be performed consistently at a place convenient for the user.

In the above embodiment, the fee payment system 20 is provided separately from the sales terminal 10 and the ATM terminal 11.
Instead, the fee payment system 20 may be provided in the housing of the merchandise terminal 10 or the housing of the ATM terminal 11. Thereby, the communication line between the fee payment system 20 and the sales terminal 10 and the communication line between the fee payment system 20 and the ATM terminal 11 can be shortened.

In the above embodiment, the sales terminal 10 and A
The housing is different from that of the TM terminal 11. Instead, the sales terminal 10 and the ATM terminal 11 may be provided in one housing.
In this case, the display unit 100 for providing product / service information and the display unit 110 for financial processing are separately provided in one housing, thereby preventing user misunderstanding.

[0075]

As described in detail above, according to the present invention,
Since a terminal for requesting a product or service can be clearly distinguished from a terminal of a financial institution (bank terminal), the user is less likely to cause confusion. In addition, the data required for bank account transfers is automatically sent to your bank terminal,
The troublesome work of inputting to the bank terminal by the user can be reduced. In addition, for providers of products and services,
The price of goods and services can be collected quickly and reliably. Also, for financial institutions (banks), existing terminals can be used as they are, and terminal assets can be used effectively.

[Brief description of the drawings]

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

FIG. 2 is an external view of a sales terminal and an ATM terminal.

FIG. 3 is an explanatory diagram of data recorded in a corresponding terminal data storage unit.

FIG. 4 is an explanatory diagram of data recorded in a transaction data storage unit.

FIG. 5 is an explanatory diagram of a processing procedure according to the embodiment.

FIG. 6 is an explanatory diagram illustrating a display mode of a display unit of the sales terminal.

FIG. 7 is an explanatory diagram showing a display mode of a display unit of the sales terminal.

FIG. 8 is an explanatory diagram showing a display mode of a display unit of the sales terminal.

FIG. 9 is an explanatory diagram showing a display mode of a display unit of the sales terminal.

FIG. 10 is an explanatory diagram showing a display mode of a display unit of the ATM terminal.

FIG. 11 is an explanatory view showing a display mode of a display unit of the ATM terminal.

FIG. 12 is an explanatory diagram showing a display mode of a display unit of the ATM terminal.

FIG. 13 is an explanatory diagram showing a display mode of a display unit of the sales terminal.

FIG. 14 is a system schematic diagram of another embodiment.

FIG. 15 is an explanatory diagram illustrating a display mode of a display unit of a sales terminal according to another embodiment.

[Explanation of symbols]

10: a sales terminal as an information providing terminal, 11: an ATM terminal as a financial institution terminal, 12: a bank system, 20 ...
Fee payment system, 21 management computer, 22 corresponding terminal data storage unit as corresponding terminal data storage means,
23: Transaction data storage unit as transaction data storage means,
31: Product sales system, I: Internet, N: Network.

Claims (12)

[Claims] 1. Using a fee payment system having a management computer, a fee related to a transaction at an information providing terminal is
A fee payment method for performing a financial institution account transfer using a financial institution terminal, wherein the management computer receives fee payment instruction data from the information providing terminal, and wherein the management computer communicates with the information providing terminal. Identifying the associated financial institution terminal; and the management computer transmitting data related to the financial institution terminal to the information providing terminal to prompt execution of a financial institution account transfer for the transaction. A fee payment method characterized by the following. 2. The method according to claim 1, further comprising the step of the management computer transmitting data on a fee amount included in the payment instruction data to the specified financial institution terminal. The fee payment method described in 1. 3. The method for paying a fee, the method further comprising the step of the management computer transmitting data on a transfer destination included in the payment instruction data to the specified financial institution terminal. The fee payment method described in 1 or 2. 4. The method according to claim 1, wherein when the account transfer of the financial institution related to the transaction is completed, the management computer specifies an information providing terminal that transmits data related to the deposit result. 4. The method according to claim 1, further comprising transmitting data relating to the deposit result to a terminal.
The fee payment method according to any one of the above. 5. The method according to claim 1, wherein the step of specifying the terminal of the financial institution is performed based on the corresponding terminal data recorded in which the information on the information providing terminal and the information on the terminal of the financial institution are associated with each other. Any one of ~ 4
Payment method described in section. 6. The information on the information providing terminal is an identifier of the information providing terminal, and the information on the financial institution terminal is an identifier of the financial institution terminal.
Payment method described in section. 7. The information on the information providing terminal is position information of the information providing terminal, and the information on the financial institution terminal is position information of the financial institution terminal. Or the fee payment method according to item 1. 8. A fee payment system for managing a financial institution terminal for paying a fee related to a transaction at an information providing terminal, wherein corresponding terminal data in which information on the information providing terminal and information on the financial institution terminal are recorded in association with each other. A storage unit, and a financial institution terminal for paying a fee for a transaction at the information providing terminal based on the corresponding terminal data recorded in the corresponding terminal data storage unit; and the financial institution terminal for the information providing terminal. And a management computer for transmitting data related to the fee. 9. The fee payment system according to claim 8, wherein said fee payment system further comprises transaction data storage means for recording data relating to a fee amount for a transaction at said information providing terminal. 10. The fee payment system according to claim 8, wherein said fee payment system further comprises transaction data storage means for recording data relating to a transfer destination for a transaction at said information providing terminal. . 11. The information relating to the information providing terminal is an identifier of the information providing terminal, and the information relating to the financial institution terminal is an identifier of the financial institution terminal. Payment system described in section. 12. The information on the information providing terminal is the position information of the information providing terminal, and the information on the financial institution terminal is the position information of the financial institution terminal. Or the fee payment system according to item 1.