JP2003058800A - Charge receiving method and system therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a charge receiving method and a system therefore capable of performing jobs from sending of a charge specification and a bill to the collection of charge at a low cost and without taking time and labor. SOLUTION: In the system connecting a communication company 1, a portable telephone set 2 owned by a user and a charge receiving terminal 3 for the user to pay the charge, the communication company transmits payment request information to the portable telephone set 2, and the user pays the charge by the charge receiving terminal 3 based on the payment request information and transmits payment completion information to the charge receiving terminal 3 with the collection completion of the charge. The jobs from the billing of the charge to the completion of collection are all made to be managed with electronic data.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fee storing method and system, and more particularly to a fee storing method and system for collecting utility bills by exchanging electronic data between a biller and a payer.

[0002]

2. Description of the Related Art Generally, usage charges for mobile phones, electricity, gas, etc. are collected by direct debit from financial institutions. In addition, service providers such as mobile phone companies and electric companies mail detailed bills and invoices to users, and the users go to the counters of banks and post offices and pay the fees based on the invoices they receive. The form of doing is also performed as usual.

[0003]

However, in the case of bill payment, the cost of mailing is required because the bill is sent by mail. On the other hand, the user has to pay the bill to pay the bill each time. It is inconvenient to have to go to. Further, it is customary to mail a dunning letter to users who do not pay the fee by a predetermined deadline, but in this case, it is necessary to re-mail many times, which is troublesome. In addition, on remote islands, there was a problem of regional differences such as long mailing times.

The present invention has been made to solve the above-mentioned problems, and all the operations from the sending of charge details / invoices to the charge collection are converted into electronic data, so that the charge leader can be made at low cost. It is an object of the present invention to provide a method and system that can be performed without any trouble.

[0005]

A charge storage method according to the present invention comprises a mobile communication terminal owned by a user, an information processing terminal owned by a billing source, and a charge storage terminal to which a user pays a charge.
Is a method of collecting charges in a system in which the payment request information is transmitted from the billing source to the mobile communication terminal, and the charge is collected at the charge collecting terminal based on the payment request information. And a step of transmitting payment completion information to the information processing terminal upon completion of collection of the fee.

As described above, according to the present invention, since the process from billing to completion of storage is managed by sending and receiving electronic data, the cost for sending the bill details, which is conventionally done by mail, can be reduced, and Easy management of unpaid persons. Also, by sending and receiving electronic data,
Eliminates the need to consider mailing time. Further, since the charge storage is processed by using the charge storage terminal, it is possible to perform the charge collection work without trouble.

Further, the charge storing method of the present invention is characterized in that the payment request information and the payment completion information are encrypted scramble data. By doing so, safety can be improved in terms of security when managing information.

Further, in the charge storing method of the present invention, the payment request information includes billing data showing charge details and usage amount, and storage data serving as a receipt when the usage fee is collected, and the information processing terminal. However, the storage data is set in a state in which the storage data cannot be reproduced by the mobile communication terminal. As described above, according to the present invention, since the data as the receipt cannot be tampered with by the mobile communication terminal, it is possible to prevent the user from misbehaving.

Further, the charge storing method of the present invention is further provided in the case where the user does not pay the charge within a fixed period.
The method further comprises repeatedly transmitting the payment request information to the mobile communication terminal at regular intervals. In the present invention, since the payment request is transmitted as electronic data, it is possible to easily process the demand for payment.

Further, the charge storing method of the present invention is characterized in that the information processing terminal stores the payment request information until the payment of the user is completed. By doing so, it is possible to re-send at the time of payment reminder or when the user erases the billing data and the like.

The charge storage system of the present invention includes a mobile communication terminal owned by a user, an information processing terminal owned by a biller,
A charge storage system in which a user and a charge storage terminal that pays a charge are connected via a network, wherein the information processing terminal calculates a usage amount of the user and uses the calculated amount as payment request information. Equipped with a means for sending to
The charge storage terminal includes means for collecting a charge from the user based on the payment request information, and means for transmitting payment completion information to the information processing terminal upon completion of collection of the charge. Characterize.

The charge storage system of the present invention is characterized in that the payment request information and the payment completion information are encrypted scramble data.

In the charge storage system of the present invention, the payment request information includes billing information including a charge detail and a usage amount, and storage data including a receipt when the usage charge is collected,
The information processing terminal further comprises means for setting the stored data in a state in which the stored data cannot be reproduced by the mobile communication terminal.

In the charge storing system of the present invention, the information processing terminal has means for repeatedly transmitting the payment request information to the mobile communication terminal at a constant interval when the user does not pay the charge within a fixed period. It is characterized by being provided.

The charge storage system of the present invention is characterized in that the information processing terminal further comprises storage means for storing the payment request information until the payment of the user is completed.

[0016]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the accompanying drawings. FIG. 1 is a diagram showing the configuration of the fee storage system of the present invention. In the present embodiment, a case will be described in which a communication company charges a user of a mobile phone. As shown in FIG. 1, the charge storage system according to the present invention includes a telecommunications company 1 that sends a payment request to a user, a mobile phone 2 of the user who receives the payment request, and a charge serving as a payment location. The multimedia kiosk 3 as a storage terminal is connected to the network 10.

Information processing for the communication company 1 to send the "billing data" including the usage charge and the charge details and the "storage data" as the receipt of the usage charge to the mobile phone 2 of the user. It is equipped with a terminal (not shown). This information processing terminal has a function of encrypting billing data and stored data and transmitting the data as scrambled data. Furthermore, the payment completion notice of the user is received from the multimedia kiosk 3 which is the place where the user pays the fee.
Note that the stored data is processed by a compression method that cannot be reproduced by the mobile phone 2 so that the user cannot display it on the mobile phone 2 and tamper with it. Further, it is preferable that the data is stored in a storage area that cannot be erased by the user so that the user does not accidentally erase it.

The mobile phone 2 is owned by a user and is, for example, a mobile phone compatible with i-appli (trademark of NTT Docomo, Inc.). It should be noted that any mobile phone may be used as long as it has a function of transmitting / receiving electronic data from the communication company 1, displaying, storing, and the like. In addition, this mobile phone 2
Has a function for decrypting the billing data transmitted from the communication company 1. The user pays the fee using the multimedia kiosk 3 described later based on the billing data transmitted to and stored in the mobile phone 2.

The multimedia kiosk 3 is a charge storage terminal installed in a convenience store or a supermarket.
It has many functions such as downloading images and making reservations and purchases of other tickets. Further, this multimedia kiosk 3 can make payment by cash or credit card. Note that the present invention has a dedicated program so that settlement processing can be performed based on the billing data stored in the mobile phone 2.

In the charge storage system of the present invention shown in FIG. 1, first, the i-appli of the mobile phone 2 is used to transmit the billing data and the stored data as scramble data from the communication company 1 to the payer's mobile phone 2. To do. This mobile phone 2
Is connected to the multimedia kiosk 3, and the usage fee is collected based on the amount of billing data stored. On the other hand, the multimedia kiosk 3 issues a receipt based on the stored data from the mobile phone 2. The multimedia kiosk 3 notifies the telecommunications company 1 that the collection of charges has been completed, so that the charges are collected.

As a result, the business of mailing the bills and bills, and the work of manually collecting the bills at the counters of banks, etc. are carried out by electronic data transmission and mobile phones and multimedia kiosk charge storage terminals. By using
Everything can be automated. Therefore, the service provider can collect the fee at low cost, while the service user can pay the fee only by visiting the convenience store or the like with the mobile phone 2.

The flow of processing of the charge storage system according to this embodiment will be described in detail below with reference to FIGS. 1 and 2. FIG. 2 is a flowchart for explaining the flow of processing of the fee storage system according to this embodiment.
In the present embodiment, as shown in FIG. 1, a charge storage system is configured by connecting a communication company 1 that makes a payment request, an i-appli compatible mobile phone 2, and a multimedia kiosk 3 to a network 10. ing. The mobile phone 2 is actually connected to the network 10 via a base station of a communication company.

The telecommunications company 1 calculates the amount of money used by the user of the mobile phone 2, and creates billing data including charge details and receipt data to be a receipt issued at the time of receipt (step S1). Next, the billing data and the stored data are both scrambled and transmitted to the mobile phone 2 (step S2). Here, for the stored data, a compression method is used so that the mobile phone 2 cannot decompress it so that the user cannot tamper with it. In addition, the data is stored in a non-erasable storage area so that the user does not accidentally erase it. Further, by storing the stored data as data that can be printed as a receipt by the multimedia kiosk 3, the receipt can be issued to the user.

The mobile phone 2 stores the billing data and the storage data transmitted from the communication company 1 in a predetermined storage area (step S3). The user can confirm the charge details and the usage amount by displaying the billing data on the mobile phone 2. Note that it is preferable that the communication company 1 backs up the transmission data at the communication company 1, assuming that the billing data and the like in the mobile phone 2 are deleted. This backup data is stored until the notification of the completion of charge collection is transmitted from the multimedia kiosk 3 so that it can be retransmitted by a request from the payer for retransmission. This allows
It is possible to centralize information management for non-payers. For example, when transmitting a payment reminder request, backup data is transmitted to the mobile phone 2.

Next, the user goes to the convenience store in which the multimedia kiosk 3 is installed, connects the mobile phone 2 to the multimedia kiosk 3, and activates the payment business service application (step S4).
The multimedia kiosk 3 reads the billing data and storage data stored inside the mobile phone 2, and the telephone number of the connected mobile phone 2 (step S5), and the payment method installed in the multimedia kiosk 3 Is used to collect the charge (step S6). As a collection method, for example, payment by a credit card or a method of inserting cash into the multimedia kiosk 3 can be considered.
After collecting the usage fee, the kiosk 3 prints a receipt based on the stored data and issues it to the user (step S
7).

It is also possible to collect the fee at a cashier such as a convenience store in which the multimedia kiosk 3 is installed. In this case, it is preferable that the cash register is a POS terminal or the like, and it is preferable that the billing data and the storage data can be displayed by connecting to the communication company 1 via a network and inputting a mobile phone number or the like at the cash register. After collecting the usage fee from the user in cash, etc., print and issue a receipt from the stored data at the cash register, and hand the receipt to the user as in the above.

After issuing the receipt, the multimedia kiosk 3 converts the number of the user's mobile phone 2, the amount to be collected, and the handling date into data, encrypts the data, and sends it to the communication company 1 as scrambled data. (Step S
8). This completes the collection of mobile phone usage charges. Even when the user makes a payment at the cash register, a notification that the cash is collected is transmitted from the cash register to the communication company 1.

The charge storage system and method of the present invention are not limited to the above embodiment, and various modifications can be considered. For example, in the above embodiment, the collection of the usage charge of the mobile phone has been described, but it goes without saying that the usage charge of electricity, gas, water, etc. can be collected in the same manner. Further, even if the user has conventionally debited a bank account or settled with a credit card, since the charge details and billed amount can be notified by electronic data, no notification by mail is required.

Furthermore, in the above embodiment, the mobile phone is used to notify the user of the usage details, but the present invention is not limited to this. For example, it is possible to notify the personal computer of the charge details and the like by e-mail or the like. In this case, the billing data and the stored data may be read into another recording medium, and the recording medium may be connected to the multimedia terminal to collect the fee.

[0030]

As is apparent from the above description, according to the present invention, all the operations from the sending of charge details and bills to the charge collection are converted into electronic data, and a mobile phone and a multimedia terminal are used. Therefore, it is possible to reduce the cost of sending the bill details that were conventionally sent by mail, and to easily manage non-payers. Further, since the electronic data is transmitted, it is not necessary to consider the mailing time even if it takes time to mail the remote island. Furthermore, since the charges can be handled by the multimedia terminal, which is an unmanned machine, it is possible to collect charges without trouble.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of an example of a fee storage system of the present invention.

FIG. 2 is a flow chart for explaining the flow of processing of the fee storage system of the present invention.

[Explanation of symbols]

1 telecommunications company 2 mobile phones 3 multimedia kiosk

Claims (10)

[Claims] 1. A charge storage method in a system in which a mobile communication terminal owned by a user, an information processing terminal owned by a biller, and a charge storage terminal for which a user pays a charge are connected via a network, Transmitting payment request information from the billing source to the mobile communication terminal; collecting a charge at the charge storing terminal based on the payment request information; and the information processing terminal upon completion of collection of the charge. And a step of transmitting payment completion information to the payment method. 2. The charge storing method according to claim 1, wherein the payment request information and / or the payment completion information is
A fee storage method characterized by encrypted scrambled data. 3. The charge storing method according to claim 1 or 2, wherein the payment request information includes billing data indicating a charge detail and a usage amount, and storage data serving as a receipt when the usage fee is collected. A method of storing charges, including the information processing terminal, wherein the storage data is set in a state in which the storage data cannot be reproduced by the mobile communication terminal. 4. The charge storage method according to claim 1, wherein the payment request information is repeated at regular intervals when the user does not pay the charge within a fixed period. A method of storing charges, comprising the step of transmitting to the mobile communication terminal. 5. The charge storage method according to claim 1, wherein the information processing terminal stores the payment request information until the payment of the user is completed. How to store charges. 6. A charge storage system in which a mobile communication terminal owned by a user, an information processing terminal owned by a biller, and a charge storage terminal for which the user pays a charge are connected via a network, wherein the information The processing terminal includes means for calculating the amount of money used by the user and transmitting it to the mobile communication terminal as payment request information, and the charge storage terminal collects a charge from the user based on the payment request information. And a means for transmitting payment completion information to the information processing terminal upon completion of collection of the charge, the charge storing system. 7. The fee storage system according to claim 6, wherein the payment request information and / or the payment completion information is encrypted scramble data. 8. The charge storage system according to claim 6 or 7, wherein the payment request information includes billing information including a charge detail and a usage amount, and storage data including a receipt when the usage charge is collected. A charge storage system including the information processing terminal, further comprising means for setting the storage data in a state in which the storage data cannot be reproduced by the mobile communication terminal. 9. The charge storage system according to claim 6, wherein the information processing terminal sends the payment request information at regular intervals when the user does not pay the charge within a fixed period. A charge storage system comprising means for repeatedly transmitting to the mobile communication terminal. 10. The charge storage system according to claim 6, wherein the information processing terminal further comprises storage means for storing the payment request information until the payment of the user is completed. A charge storage system characterized by being provided.