JP2003108779A - Method for accepting immediate settlement in storage, banking system and claim origin system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To save power labor of a confirming work of a settled amount in a bank and to enhance convenience of a payer regarding storage of charge to which arrears and early payment discount are applied. SOLUTION: A banking computer 21 receives a billing enquiry key specified by the payer from a customer operation terminal and specifies an address of a computer 31 at a claim origin on a network which is associated with a billing destination code constituting a part of the billing enquiry key inputted by the payer by accessing a billing origin reference table 22. The banking computer 21 requests confirmation of the total claimed amount at a point of storage regarding a billing by transmitting the billing enquiry key to the specified computer 31 at the billing origin. When the banking computer 21 receives the total billing amount at the point of storage from the computer 31 at the billing origin, transmits the total billing amount to the customer operation terminal 10 and instructs the customer operation terminal 10 that deposit of the total billing amount is prompted to the payer. When the banking computer 21 receives a fact that the total billing amount is deposited by the payer from the customer operation terminal 10, performs a storage processing regarding the billing.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention immediately presents a total billing amount, which takes account of the settlement amount at the time of storage, to the payer, and receives a fee equivalent to the total billing amount from the payer immediately at the time of storage. Regarding the acceptance scheme.

[0002]

2. Description of the Related Art For example, in public utility bills, a predetermined time limit (payment deadline) is set for payment of a fee charged by a biller to a payer. If the payer does not deposit the charge equivalent to the billed amount within this payment deadline, the delinquent surcharge corresponding to the settlement amount will be added daily to the original billed amount notified to the payer by the invoice etc. Will be done. Conventionally, when a payer requests a payment of a fee after such a payment deadline, the bank may reject the request as unhandled. In this case, the convenience of the payer is hindered. There is an inconvenience.

In addition to the above cases, the person in charge of the bank counter directly confirms the delinquent surcharge with respect to the biller, or the delinquent surcharge according to a calculation table or the like predetermined for each biller. There are also cases where money is calculated. In these cases, the bank receives the total bill amount from the payer, which is the original bill amount plus the delinquent surcharge, and informs the claim source that the delinquency state has been resolved through a predetermined collection procedure. However, if the service provided by the billing source to the payer is stopped due to late payment, the convenience of the payer is significantly impaired. Because
This is because the processing is done mainly by manpower, and there is a time lag from when the total billed amount including the delinquent surcharge is stored in the bank until the service is restarted. Also, for banks, it takes time and effort to confirm the delinquent surcharge,
There is an inconvenience that the procedural burden increases.

The same thing as the above-mentioned delinquent surcharge also applies to the early payment discount. The early payment discount means that if the payer pays the fee earlier than the payment deadline, the early payment discount is subtracted from the original billed amount to be stored. In the case of the early payment discount, the person in charge at the bank teller must individually judge which discount is equivalent based on the bill. Therefore, it takes time and time for the bank to confirm the early-payment discount amount, which causes an inconvenience that the burden on the procedure increases.

[0005]

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and an object thereof is to confirm a settlement amount in a bank regarding the collection of charges to which a delinquent surcharge or an early payment discount is applied. It is to save labor.

[0006] Another object of the present invention is to improve the convenience of the payer by promptly responding to the bank with respect to such charge storage.

[0007]

In order to solve the above problems, the first invention is that a bank computer, a customer operation terminal, and a billing computer are connected to each other via a network, and a fee relating to a payment request is deposited. The present invention relates to a method for immediately receiving payment at the time of storage performed in a bank computer when a request is received from a payer. In this acceptance method, the first step in which the bank computer receives the billing inquiry key designated by the payer from the customer operation terminal, and the bank computer associates the billing code with the address of the billing computer on the network. Second step of accessing the billing party reference table described in the above to identify the network address of the billing party computer associated with the billing party code forming a part of the billing inquiry key entered by the payer. And a third step in which the bank computer sends a billing inquiry key to the identified billing source computer to request confirmation of the total billing amount at the time of collection regarding the payment request, and the banking computer confirms If the total billing amount at the time of storage is received from the billing computer that requested To send the total amount billed to the customer-operated terminal, the fourth to indicate that the prompt payment of the total amount billed to the payer on the customer operation terminal
And a fifth step of carrying out a storing process relating to the payment request when the bank computer receives from the customer operation terminal that the total payment amount has been deposited by the payer.

Here, in the first invention, it is preferable that the bank computer further has a sixth step of notifying the invoicing source computer that the storing processing relating to the payment request has been completed.

Further, in the first invention, it is preferable that the total billed amount is calculated by adding or subtracting a settlement amount based on a due date to the initial billed amount.

Further, the first step may include a step of specifying the billing inquiry key by optically reading the written contents of the bill inserted into the customer operation terminal by the payer.

A second aspect of the present invention is, in a bank system in which a payer receives a request for deposit of a charge relating to a payment request, a bank computer connected to a customer operation terminal and a billing computer via a network, a billing code and a billing destination. It has a billing source reference table in which the address of the computer on the network is described in association with it. Here, when the bank computer receives the billing inquiry key designated by the payer from the customer operation terminal, the bank computer accesses the billing source reference table and forms a part of the billing inquiry key entered by the payer. Identify the address on the network of the billing computer associated with the code, and send the billing inquiry key to the identified billing computer for billing requests.
Request confirmation of the total billed amount at the time of storage. In addition, when the bank computer receives the total billed amount at the time of storage from the billing computer for which confirmation has been requested, the bank computer transmits the total billed amount to the customer operation terminal and prompts the payer to deposit the total billed amount. Instruct the operation terminal. Further, when the bank computer receives from the customer operation terminal that the total bill amount has been deposited by the payer, the bank computer performs a storing process relating to the bill.

In a third aspect of the present invention, in a billing system of a billing party that sends a payment request to a payer, a billing computer connected to a bank computer via a network, a billing number, and a billing statement are provided. And a billing statement database described in association with each other. here,
When the billing computer receives a request for confirmation of the total billing amount at the time of collection for a certain payment request from the bank computer, it accesses the billing details database and refers to the details of the item specified by the billing inquiry key entered by the payer. Then, the total billing amount at the time of storage is calculated, and the total billing amount is transmitted to the bank computer.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an overall configuration diagram of a storage immediate settlement system using a network according to this embodiment. This network system includes a bank system 20, a large number of customer operation terminals 10 connected to the bank system 20 via a network, and a large number of billing source systems 30 connected to the bank system 20 via a network. There is. Then, the following scheme can be realized by this network system. (1) The payer who receives a bill from the billing source (for example, a person who bills utility bills for electricity, telephone, gas)
From the customer operation terminal 10, enter the "billing inquiry key". (2) Based on the billing inquiry key, the amount to be deposited (total billing amount) at the time of storage is presented to the payer. (3) The payer charges a fee equivalent to the amount of money to the customer operation terminal 1
By depositing from 0, the fee will be stored.

The customer operation terminal 10 is a terminal that can be operated by the payer, and typically ATM 10a (image ATM
Including personal computers), a personal computer 10b (PC) or a mobile phone 10c having a network environment.
And so on. When using the personal computer 10b or the mobile phone 10c, the payer is a predetermined website (bank site) on the Internet operated by the bank.
By accessing to and inputting predetermined information, payment of a charge equivalent to the billed amount is instructed. It is also possible to use a portable information device (PDA), a home game machine, or the like as the customer operation terminal 10.

The bank system 20 owned by the bank is a system corresponding to a window for accepting payment from a payer. The banking system 20 includes a banking computer 21 composed of a single computer or a plurality of computers, and the computer 21 has access to a storage device. The bank computer 21 has a CPU, a ROM, and a R.
This is a general computer mainly composed of an AM and an I / O interface. Further, the bank computer 21 has a well-known communication device such as a modem, and can communicate information with a large number of customer operation terminals 10 corresponding to an external system and a large number of billing source systems 30 via a network. Is. In this embodiment, ATM1
1 and a personal computer 10b and a mobile phone 10c via the Internet, respectively. A storage device such as a magnetic disk stores various databases and various tables necessary for the bank to perform its own business. In the relationship with this embodiment, when a payment application is received from the payer,
The billing source reference table 22 that identifies the reference destination of the billing details regarding the offer is important.

FIG. 2 is an explanatory diagram of the billing source reference table 22. The billing source reference table 22 is "billing source code".
And “network address” are described in association with each other. Here, the “network address” is used when the bank system 20 makes an online connection to the billing source, and indicates an address on the network of the billing source system. The "billing source code" is a code, symbol, number or the like that constitutes a part of the billing inquiry key and identifies the billing source of the billing request. For example, when an EDI code (a form of an erased code) is used as a billing inquiry key, the “billing source code” corresponds to the “standard company code”.

Here, the EDI code will be briefly described. Currently, there are E
There are DI code councils, and each council has an E
The content of the DI code is decided. Therefore, the JBA does not go into the contents of the EDI code, but allows the part corresponding to the EDI code to be additionally input in a field called "EDI information". This EDI code includes a "standard company code", that is, a code unique to the invoicing party (typically a company) numbered by the Japan Information Processing Development Corporation (for example, the first 6 digits). Also, the other digits in the EDI code correspond to codes that individually identify the payment request associated with the billing source. E as billing inquiry key
When the DI code is used, this code corresponds to the "billing number".

The billing reference key has an important role in realizing the instant storage clearing acceptance system according to this embodiment, and is a key that must be specified by the payer.
The billing inquiry key requires two conditions: (1) information that can identify a billing source, and (2) information that can identify individual payment requests. In the present embodiment, the EDI code is used as the most preferable example of the billing inquiry key, but any form (including a bar code or the like) may be used as long as the above two conditions are satisfied.

The bank system 20 manages the confirmation destination of the bill details by using the bill reference table 22, but does not manage the bill details of individual payment requests. The bill details are managed in the bill detail database 32 held by the billing system 30.

The billing source system 3 which is individually held by the billing source
0 is a billing source computer 31 and a business management system 33
Including and The billing source computer 31 is a CPU, RO
It is a general computer mainly composed of an M, a RAM, an I / O interface and the like. Further, the billing source computer 31 has a well-known communication device, and the bank system 20
It is possible to transmit information to and from each other via a network.
Further, the billing source computer 31 can access the billing statement database 32 stored in a storage device such as a magnetic disk.

The billing statement database 32 is a database that manages billing statements of bills for charges, and is a set of billing statement records provided corresponding to individual bills. The description content of each billing detail record is updated at any time by the daily processing of the billing source computer 31. FIG. 3 is an explanatory diagram of the billing details database 32. Each billing record that constitutes the billing detail database 32 includes a “billing number”, a “customer number”,
“Deadline information”, “billing amount”, “payment amount”, “total billing amount”, “contract number” and “status” are described in association with each other. The billing statement database 32
Can be realized by a single database as shown in FIG. 3, but may also be realized by linking a plurality of databases created for each billing unit with each other.

Here, the "billing number" is a number unique to each billing statement sent by the billing source to the payer, and is arbitrarily assigned by the billing source. When the EDI code is used as the billing inquiry key, the EDI code is described in the "billing number". The “customer number” is a number unique to the customer and is arbitrarily assigned by the invoicing party.

"Due date information" includes "invoice date", "payment date", "payment date", "stop date", "early payment date" and the like. "Billing date" is the date when the billing source charges the payer (customer) for payment of the fee, and "Deposit date" is the date when the payer made a payment (or the bank collected the fee). Day). The "payment date" is described when there is a time limit on payment of the fee. After the payment date, the bill will be overdue, and an overdue surcharge (hereinafter simply referred to as "surcharge" or "surcharge") will be added to the billed amount. The "stop date" (optional) is stated when the service provided by the billing party (for example, public services such as electricity, gas, telephone, etc.) is stopped (that is, when a delinquent surcharge is applied), and is usually , The due date is set by adding a certain number of days to the due date. "Early payment date" (optional) is a fixed early payment discount (hereinafter simply referred to as "discount money") from the initial billing amount when paying the fee before the payment date has passed.
Or it is described when reducing the "discount amount" (that is, when applying the early-discount discount).

The "charge amount" is the charge amount for each billing statement. The “payment amount” is described when a payment amount such as a premium amount or a discount amount is confirmed (initially blank), the premium amount is described as “+ α yen”, and the discount amount is described as “−α yen”. "Total billing amount" is
This is the total amount of the "billing amount" and the "payment amount", which is described when the "payment amount" is confirmed. The “contract number” is the contract number related to this billing statement. Also, "Status"
Is information for managing the deposit state relating to this payment request, and one of the following numbers is set.

[0025] (Meaning of status number) Number Meaning Set Condition "0" Waiting for payment Not received before "payment date" "1" Overdue (service continuation) Unpaid after "payment date" and before "stop date" "2" Overdue (service suspended) Unpaid after "stop date" "9" Payment completed Payment completed (storage completed)

Before the billing party sends a payment request (invoice) to the payer by mail or electronic mail, first,
A new record relating to this billing request is added to the billing statement database 32. Then, an invoice clearly indicating the billing amount (original billing amount) and the billing inquiry key is sent to the payer.

Next, with reference to FIG. 1, a deposit procedure using the ATM 10a which is the customer operation terminal 10 will be described. Note that the following description describes the transfer using the ATM 10a, but the same processing can be realized by using the personal computer 10b, the mobile phone 10c, or the like. In the case of using these, the payer (the payer himself or a person having a legitimate authority) may input necessary information and click a confirmation button according to the instruction on the screen downloaded from the bank site.

First, the ATM 10a
Prompt for a billing inquiry key containing the billing source code and billing number. In response to this, the payer, for example, ATM10a
By operating the ten-key pad or the touch panel included in, the billing inquiry key relating to the billing request this time is manually input directly. When the ATM 10a is a device capable of optically reading a bill of payment (a so-called "image ATM"), the billing inquiry key is specified by optically reading the description of the bill of payment inserted by the payer. .
The ATM 10a transmits a billing inquiry key to the bank computer 21 and requests confirmation of billing details relating to the billing inquiry key (arrow A in FIG. 1).

The bank computer 2 that received this confirmation request
1 refers to the billing source reference table 22 and identifies the network address of the billing source computer 31 corresponding to the received billing source code (a part of the billing inquiry key). Then, the request for confirmation of the billing details is transferred with the billing inquiry key to the billing source computer 31 that is uniquely specified from this address (arrow B).

Upon receiving the confirmation request from the bank computer 21, the billing source computer 31 accesses the billing detail database 32 and extracts the billing detail record corresponding to the received billing inquiry key (billing number) as a target record. Then, based on the "charge amount", "due date information", "status", etc. in this target record, the total charge amount at the time of storage is calculated, and the target record is updated. Specifically, there are the following four cases.

(Case 1) When there is no change in the billed amount The storage point (the point at which the billing inquiry key is presented) has not passed the "payment date" described in the target record, and the early payment discount is applied. If there is not, the billing amount A (original billing amount) becomes the total billing amount A ′ as it is (A ′ = A).
The billing source computer 31 sets the “payment amount” in the target record to 0 yen and the “total billing amount” to A yen, and then returns “total billing amount = A yen” to the bank computer 21 as a confirmation result ( Arrow C). Change the "Status" of the target record ("0" (waiting for payment) →
The addition of “9” (payment completed) and “payment date” is performed on the assumption that the payer received a payment equivalent to A yen.

(Case 2) When a surcharge is added When the storage date X has not passed the "early payment date" described in the target record, the total billed amount is the billed amount A minus the discount amount α. It becomes A '(A' = A-α). When the discount amount α differs for each day, the discount amount α on the storage day is calculated according to a preset discount rate. The billing source computer 31 uses the “payment amount” in the target record.
Is set to -α yen, and "total billed amount" is set to (A-α) yen, and the result of confirmation is "total billed amount = (A-α)".
"Yen" is returned to the bank computer 21 (arrow C). In addition,
Change the "Status" of the target record ("0" →
"9") and "payment date" can be added by the payer (A-
α) It is performed on the assumption that a deposit equivalent to yen was received.

(Case 3) When the discount amount is reduced When the storage date has passed the "payment date" described in the target record, the total amount billed A'is the sum of the billed amount A and the surcharge β. (A '= A + β). When the extra amount β differs for each day, the extra amount β on the storage day is calculated according to a preset extra rate. The invoicing computer 31 adds the “payment amount” in the target record +
After setting β yen and “total charge amount” to (A + β) yen, the confirmation result is “total charge amount = (A + β) yen”
Is returned to the bank computer 21 (arrow C). It should be noted that the change of “status” and the addition of “payment date” of the target record are performed on the premise that the payer has paid in (A + β) yen.

(Case 4) In the case of error processing If the "status" described in the target record is "9" (payment completed), that is, if the payment has already been completed, the result of confirmation is "error". Is returned (arrow C).
In this case, the payer is informed accordingly.

The bank computer 21 which received the confirmation result
Instructs the ATM 10a to display the confirmation result (arrow D). Upon receiving this instruction, the ATM 10a displays the total amount charged (latest amount charged) on the storage date, and prompts the payer to deposit the amount equivalent to that amount. When the payer deposits the displayed amount, the ATM 10a transmits to the bank computer 21 the deposited data indicating that the deposit has been completed (arrow E). In response to this, the bank computer 21 performs predetermined storage processing for the current payment request, and stores storage data (including the bill inquiry key) indicating that the storage processing has been completed to the billing source computer 31. Send without delay. The billing source computer 31 that has received the notification of completion of storage adds the date and time to the “payment date” in the target record of the billing statement database 32 and changes the “status” to “9” (paid).

The "status" before the change is "2"
(In the case of overdue (service suspension), the billing source computer 31 sends a "contract number" to the business management system 33 to instruct cancellation of the service. Upon receipt of this, the business management system 33. Will resume service provision with the service content specified by the "contract number".

According to the present embodiment, it is possible to greatly save labor for confirming the settlement amount such as late payment and early payment discount. At that time, the bank system 20 itself does not need to manage the billing statements relating to the respective billing sources, and only needs to manage the referral destination of the billing statements. As a result, it is possible to easily realize the immediate payment settlement scheme upon storage without increasing the burden on the bank.

Further, for the payer, only by designating the billing inquiry key, the total billed amount including the settlement amount at the time of storage can be instantly paid, and the convenience of the payer can be improved. it can. In particular, if the service provided by the billing source to the payer is stopped due to delinquency, the computer restarts the service after the total billing amount including the delinquent surcharge has been deposited into the bank by the above-mentioned computer-based processing. There is almost no time lag until it is done. As a result, the convenience of the payer can be significantly improved.

Further, the billing source can promptly receive the storage completion notification to which the billing inquiry key is added via the bank, and can efficiently perform the work of clearing the bill based on the billing inquiry key (EDI code). It becomes possible to do it.

It should be noted that the above-mentioned immediate payment settlement scheme upon storage is not limited to utility bills such as electricity, telephone, gas, etc., and is widely used in the form in which the billing amount varies depending on the storage time (including mail order). Can be applied. Further, if the initial billing amount is set to 0 yen, it becomes possible to process only the settlement amount such as an overdue surcharge and an early payment discount, for example, it is possible to deal with tax refund processing.

[0041]

As described above, according to the present invention, it is possible to save labor for checking the settlement amount at the bank regarding the charge storage to which the delinquent surcharge or early payment discount is applied. Also, regarding such fee storage, the convenience of the payer can be improved through the prompt response of the bank.

[Brief description of drawings]

FIG. 1 is an overall configuration diagram of an instant settlement settlement acceptance system using a network.

FIG. 2 is an explanatory diagram of a billing source reference table.

FIG. 3 is an explanatory diagram of a billing details database.

[Explanation of symbols]

10 Customer operation terminal 10a ATM 10b personal computer 10c mobile phone 20 banking system 21 bank computer 22 Billing Source Reference Table 30 Billing system 31 billing computer 32 billing details database 33 Business management system

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Isao Kimura             2-6-1, Otemachi, Chiyoda-ku, Tokyo             Inside the Tokai Bank (72) Inventor Masashi Gomi             1-1-1 Otemachi, Chiyoda-ku, Tokyo             Inside the ceremony company Sanwa Bank F term (reference) 3E040 CA14 CA16 CB04 EA01

Claims (6)

[Claims] 1. A bank computer, a customer operation terminal, and a billing computer are connected via a network, and when a payment request for a charge relating to a payment request is received from a payer, the bank computer immediately performs storage. In the settlement acceptance method, the first step in which the bank computer receives the billing inquiry key designated by the payer from the customer operation terminal, and the bank computer associates the billing code with the address on the network of the billing computer. Second step of accessing the billing party reference table described in the above, and identifying the address on the network of the billing party computer associated with the billing party code forming a part of the billing inquiry key entered by the payer. And the bank computer is connected to the identified billing computer. Then, the third step of transmitting the billing inquiry key and requesting confirmation of the total billing amount related to the payment request at the time of storage, and the bank computer from the billing source computer requesting confirmation, the total billing at the time of storage If you receive the amount,
The fourth step of transmitting the total billed amount to the customer operation terminal and instructing the customer operation terminal to prompt the payer to deposit the total billed amount; and the bank computer depositing the total billed amount by the payer. And a fifth step of performing a storing process relating to the payment request when the fact that the request is received is received from the customer operation terminal. 2. The immediate storage method according to claim 1, wherein the bank computer further comprises a sixth step of notifying the invoicing computer that the storage processing relating to the payment request has been completed. Payment acceptance method. 3. The total claim amount is calculated by adding or subtracting a settlement amount based on the due date to the initial claim amount. Immediate payment acceptance method when stored. 4. The first step includes the step of specifying the billing inquiry key by optically reading the written contents of the bill inserted into the customer operation terminal by the payer. The method for receiving immediate settlement at the time of storage described in any one of items 1 to 3. 5. A bank system in which a customer operation terminal and a billing source computer are connected via a network in a bank system in which a payer receives a request for deposit of a charge relating to a payment request, a billing destination code and a billing destination computer on a network. And a billing source reference table described in association with the address of the billing source, and the bank computer accesses the billing source reference table when the billing inquiry key designated by the payer is received from the customer operation terminal. Identifying the address on the network of the billing computer associated with the billing code that forms part of the billing key entered by the payer, and invoking the billing inquiry to the identified billing computer. Send the key to confirm the payment request at the time of storage. When the total billing amount is requested and the total billing amount at the time of storage is received from the billing computer that has requested the confirmation, the total billing amount is transmitted to the customer operation terminal, and the total billing amount is paid by the payer. A banking system, which instructs the customer operation terminal to urge the customer operation terminal to perform a storing process related to the payment request when the payer receives a notification from the customer operation terminal that the total charge has been deposited. 6. In a billing system of a billing party that sends a payment request to a payer, a billing computer connected to a bank computer via a network, a billing number, and a billing statement are described in association with each other. And a billing statement database, the billing source computer accesses the billing statement database and inputs it by the payer when receiving a request for confirmation of the total billing amount at the time of storage related to a certain billing request from the bank computer. The billing system, wherein the detailed billing reference key is referred to, the total billing amount at the time of storage is calculated, and the total billing amount is transmitted to the bank computer.