JP2004038673A

JP2004038673A - Bill collection substituting system

Info

Publication number: JP2004038673A
Application number: JP2002196261A
Authority: JP
Inventors: Hidetaka Anabuki; 穴吹　英▼たか▲
Original assignee: ANABUKI NETWORK KK
Current assignee: ANABUKI NETWORK KK
Priority date: 2002-07-04
Filing date: 2002-07-04
Publication date: 2004-02-05

Abstract

<P>PROBLEM TO BE SOLVED: To resolve a problem of a tenant of a multiple dwelling house and a commodity/service seller by having a multiple dwelling house provider intervene between them and introducing them to each other. <P>SOLUTION: The bill collection substituting system is carried out between a consumer side member (C) who is the tenant of the multiple dwelling house A and a seller side member (D) who is the commodity/service seller via the multiple dwelling house provider (B). It is characterized by that it is composed of a seller side member server (d) having a homepage posting commodities and services, a consumer side terminal (c) capable of accessing to the seller side member server (d) to order a commodity or service, and a multiple dwelling house provider side server (b) providing a detailed bill listing purchase details of ordered commodities or services to the consumer side member (C), sending collation data to a settling organ (K), and settling the bill from an account of the consumer side member (C). <P>COPYRIGHT: (C)2004,JPO

Description

【０００１】
【発明の属する技術分野】
本発明は、集合住宅の入居者と商品・サービス販売者とを会員制化して相互のメリットを図る集金代行システムに関するものである。
【０００２】
【従来の技術】
集合住宅供給者は各地に多数のマンション、アパート等集合住宅を供給してきた。これらの集合住宅の入居者は、生活必需品を始め各種商品を近所のスーパーやデパートで購入したり、また、カタログショッピングやテレビショッピングを利用した場合、電気料金、水道料金、ガス料金等の公共料金を各自で銀行や郵便局から振り込むなど個別に対応していた。特に、近年のように共稼ぎが普通となり、大型冷蔵庫を備え、土・日曜日を利用してマイカーで郊外の大型スーパーに行き、一週間分の生活必需品など一般の商品の購入を行い、これに蓄えておくというのが一般的なライフスタイルとなっている。
【０００３】
このようなライフスタイルを取る需要者側のデメリットとしては、一週間分の食料その他生活必需品を狭い部屋のなかに保管しておかなければならないこと、個別対応であるから商品やサービスの購入に関して値段交渉ができず、商品・サービス販売者の言い値で買わなければならなかったこと、代金の振込手間が発生すること、口座振替の場合、引き落とし日が商品・サービス販売者ごとにバラバラであるので、その都度、銀行や郵便局に残高を用意しておかなければならないこと、請求書が商品・サービス販売者ごとにポストに到着するので、その管理が大変手間であること（特に、商品・サービス販売者毎に請求書の大きさや形式が異なるので、その保管は大変手間である。）、トイレットペーパーのような嵩張るものやビールや飲料水のように重いものも購入した者が自ら持ち帰らなければならないというような点が挙げられる。
【０００４】
一方、商品・サービス販売者（企業）にあっては、新規な販路開拓に余念がないが、新規需要者の開拓は容易ではなくまたコストも無視できないものであった。また、集金に費用（人件費、口座振替料、郵便代など）がかかっていたし、ＣＡＴＶやブロードバンドなどの新しい通信手段を導入する場合、インフラ整備にコストがかかっていた。また、玄関マットや掃除モップのようなリース商品にあっては、サービス販売者が訪問した時、購入者が留守の場合リース商品を交換することができず、再訪する事が必要になり二度手間になるというような問題があった。
【０００５】
【発明が解決しようとする課題】
本発明は、集合住宅の入居者と商品・サービス販売者との間に集合住宅供給者が介在することによって両者を結びつけ、両者の問題点を解決することをその課題とするものである。
【０００６】
【課題を解決するための手段】
『請求項１』は本発明の集金代行システムに関し「集合住宅供給者（Ｂ）を介して集合住宅（Ａ）の入居者である需要者側会員（Ｃ）に商品又はサービスの少なくとも何れか一方を販売する契約を前記集合住宅供給者（Ｂ）と交わした商品・サービス販売者を販売者側会員（Ｄ）とし、
前記集合住宅供給者（Ｂ）を介して販売者側会員（Ｄ）が前記需要者側会員（Ｃ）に商品又はサービスの少なくとも１を供給した時、決済機関（Ｋ）を介してその代金決済をする集金代行システムであって、
（ａ）　商品又はサービスの少なくとも１を掲載したホームページを有する販売者側会員サーバ（ｄ）と、
（ｂ）　通信手段（Ｅ）を通じて前記販売者側会員サーバ（ｄ）にアクセスすることができると共に商品又はサービスの少なくとも１を発注することができる需要者側端末（ｃ）と、
（ｃ）　当該需要者側会員（Ｃ）が注文した商品及び／又はサービスの購入明細を一覧リストにした請求明細書を当該需要者側会員（Ｃ）に提供し、且つ販売者側会員（Ｄ）から通信手段（Ｅ）を介して送られてきた請求・引き落としデータを需要者側会員（Ｃ）の納品データと照合し、前記照合データを決済機関（Ｋ）に送り、前記商品又はサービスの少なくとも１の購入をした需要者側会員（Ｃ）の口座から代金を決済させる集合住宅供給者側サーバ（ｂ）とで構成されている」ことを特徴とする。
【０００７】
これによれば、商品あるいはサービスの購入に当たっては需要者側会員（Ｃ）は、１つの大きな纏まり（消費グループ）となることができ、スケールメリットを生かして集合住宅供給者（Ｂ）により商品やサービスの購入に関して値段交渉ができ、購入単価を引き下げることができるという利点がある。また、商品の引き取り（及び玄関マットや掃除モップのような交換サービスを含む）は集合住宅供給者（Ｂ）を介して行うので、必要な時に必要なものを購入することができ、一週間分の食料その他生活必需品を狭い部屋のなかに保管しておく必要がないという利点や嵩張るものや重いものを自ら持ち帰らなければならないというような必要がないという利点がある。また、受け取る請求明細書が一覧表となっているので、月々の消費明細の管理が非常に簡便になる他、個別の振り込み手間が省けるという利点がある。
【０００８】
一方、販売者側会員（Ｄ）にあっては、集合住宅供給者（Ｂ）と商品やサービスの販売に関する契約を行うだけで自動的に当該集合住宅（Ａ）の入居者（Ｃ）を自らの顧客に取り込むことができ、しかも当該集合住宅（Ａ）は年々増加していくのであるからコストと労苦かけることなく顧客の新規開拓ができるという利点がある。また、集金を一括して集合住宅供給者（Ｂ）に委託することによって集金に必要なコストを削減することができる。加えて、玄関マットや掃除モップのようなリース商品にあっては、購入した入居者（Ｃ）が留守であったとしても集合住宅供給者（Ｂ）に託することができ二度手間になるというようなことがない。また、予め集合住宅供給者（Ｂ）がＣＡＴＶやブロードバンドなどの新しい通信手段のインフラを集合住宅に組み込んでおけば、インフラ整備のコストを削減することもできる。
【０００９】
『請求項２』は『請求項１』を集合住宅供給者（Ｂ）側から見た場合で「集合住宅供給者（Ｂ）を介して集合住宅（Ａ）の入居者である需要者側会員（Ｃ）に商品又はサービスの少なくとも何れか一方を販売する契約を前記集合住宅供給者（Ｂ）と交わした商品・サービス販売者を販売者側会員（Ｄ）とし、
前記集合住宅供給者（Ｂ）を介して販売者側会員（Ｄ）が前記需要者側会員（Ｃ）に商品又はサービスの少なくとも１を供給した時、決済機関（Ｋ）を介してその代金決済をする集金代行システムであって、
集合住宅供給者（Ｂ）は、需要者側会員（Ｃ）が、需要者側端末（ｃ）を介して商品又はサービスの少なくとも１を掲載したホームページを有する販売者側会員サーバ（ｄ）にアクセスし、商品又はサービスの少なくとも１を発注したときに、当該商品及び／又はサービスの購入明細を一覧リストにした請求明細書を当該需要者側会員（Ｃ）に提供し、且つ販売者側会員（Ｄ）から通信手段（Ｅ）を介して送られてきた請求・引き落としデータを需要者側会員（Ｃ）の納品データと照合し、前記照合データを決済機関（Ｋ）に送り、前記商品又はサービスの少なくとも１の購入をした需要者側会員（Ｃ）の口座から代金を決済させる集合住宅供給者側サーバ（ｂ）を有する」ことを特徴とする。
【００１０】
『請求項３』は『請求項１又は２に記載の集金代行システム』の更なる限定で「集合住宅供給者（Ｂ）は、需要者側会員（Ｃ）の個人データ、代金決済日及び代金決済手段を記録している集合住宅供給者側データベース（ｄｂ）を有することを特徴とする。
【００１１】
『請求項４』は『請求項１〜３のいずれかに記載の集金代行システム』における発注手段に関し「商品又はサービスの発注手段は、電話、ファクシミリ又は葉書や手紙を含む」ことを特徴とする。
【００１２】
『請求項５』は『請求項１〜４のいずれかに記載の集金代行システム』における集合住宅供給者（Ｂ）の構成に関し「集合住宅供給者（Ｂ）は、集合住宅（Ａ）毎に設置され、集合住宅（Ａ）毎に配送された商品を発注した需要者側会員（Ｃ）に配送すると共に需要者側会員（Ｃ）の納品データと販売者側会員（Ｄ）から送られてきた請求・引き落としデータとを照合する需要者管理部門（Ｂ１）と、前記需要者管理部門（Ｂ１）から送られてきた照合データを決済機関（Ｋ）に送り決済依頼をすると共に決済機関（Ｋ）から送られてきた入金データに基づき各需要者側会員（Ｃ）の未収・与信データを前記需要者管理部門（Ｂ１）に提供する集金管理部門（Ｂ２）とで構成されている」ことを特徴とする。
【００１３】
【発明の実施の形態】
以下、本発明を好適な実施例を用いて説明する。図１はシステムにおける集合住宅（Ａ）の入居者で、本システムに登録されている需要者側会員（Ｃ）の端末（ｃ）、商品にはサービスを販売する販売企業で、本システムに加入している販売者側会員（Ｄ）の販売者側会員サーバ（ｄ）、本システムにおける代金決済を行う決済機関（Ｋ）のコンピュータ（ｋ）、集合住宅供給者（Ｂ）のコンピュータ（ｂ）の接続を説明する図である。
【００１４】
集合住宅（Ａ）は、集合住宅供給者（Ｂ）が供給した分譲マンションである。勿論、分譲後賃貸されていても良い。当該集合住宅（Ａ）には、ＣＡＴＶやブロードバンドなどの新しい通信手段（Ｅ）がインフラとして装備されているもの、古いものでそのようなインフラが装備されていないものなども含む。
【００１５】
集合住宅（Ａ）の入居者は集合住宅供給者（Ｂ）から本システムの説明を受け、本システムへの加入申込（申込者の住所、氏名、年齢、性別、電話番号、金融機関口座番号、決済日その他必要事項の申込書への記入による開示）を行うことによって本システムの需要者側会員（Ｃ）となり、各申し込み者個人にＩＤ番号その他必要なものが付与される。
【００１６】
販売者側会員（Ｄ）は、集合住宅供給者（Ｂ）を介して集合住宅（Ａ）の入居者である需要者側会員（Ｃ）に商品又はサービスの少なくとも１を販売する契約を前記集合住宅供給者（Ｂ）と交わした商品・サービス販売者であり、それぞれが扱う商品やサービスに関するホームページを持っており、外部端末（本システムの需要者側会員（Ｃ）の端末（ｃ）を含む）からアクセスできるようになっている。提供されるサービスや商品は別段限定されるものでなく、ネット上で販売できるものは勿論、水道やガス及び電気などの公共料金も含まれる。
【００１７】
集合住宅供給者（Ｂ）は本システムの提供者である。集合住宅供給者（Ｂ）は、需要者管理部門（Ｂ１）と、集金管理部門（Ｂ２）とで構成されており、需要者管理部門（Ｂ１）は集合住宅（Ａ）毎に設置され、集合住宅（Ａ）毎に配送された商品を発注した需要者側会員（Ｃ）に配送する需要者管理人（２０）を有し、需要者側会員（Ｃ）の納品データと販売者側会員（Ｄ）から送られてきた請求・引き落としデータとを照合する照合機能を保有する集金管理サーバ（ｂ２）を保有する。前記本システムの集合住宅（Ａ）の入居者への説明は需要者管理人（２０）及び集合住宅供給者によって行われる。
【００１８】
一方、集金管理部門（Ｂ２）は前記需要者管理部門（Ｂ１）から送られてきた照合データを決済機関（Ｋ）に送り決済依頼をすると共に決済機関（Ｋ）から送られてきた入金データに基づき各需要者側会員（Ｃ）の未収・与信データを前記需要者管理部門（Ｂ１）に提供する集金管理サーバ（ｂ２）と需要者側会員（Ｃ）の個人データ、代金決済日及び代金決済手段（すなわち、決済方法）を記録している集合住宅供給者側データベース（ｄｂ）とを有する。
【００１９】
集合住宅供給者（Ｂ）は本システムを立ち上げ、集合住宅（Ａ）の多数の入居者を本システムの会員とすることにより、本システムと契約し、商品やサービスの販売を行う販売者側会員（Ｄ）と商品やサービスの値引き交渉その他本システムの運営を行う。
【００２０】
決済機関（Ｋ）は、銀行や郵便局などの金融機関（Ｋ１）と信販会社のような引き落とし企業（Ｋ２）とで構成され、金融機関（Ｋ１）は全国に散らばっている需要者側会員（Ｃ）からの口座引き落としを行う。引き落とし企業（Ｋ２）はすべての金融機関（Ｋ１）に振替口座を有しており、いずれの金融機関（Ｋ１）を使用しても集合住宅供給者（Ｂ）の需要者管理部門（Ｂ１）に代金を入金することができるようになっている。
【００２１】
次に本発明の作用について説明する。本システムの需要者側会員（Ｃ）が端末（ｃ）を使用して販売者側会員サーバ（ｄ）のホームページにアクセスし、商品・サービス情報を得た後、気に入った商品又はサービスの少なくとも１の購入のネット注文を販売者側会員（Ｄ）に出す。また、需要者側会員（Ｃ）からの商品やサービスの発注は、勿論、通信手段（Ｅ）を通じてのみ行われるだけでなく、需要者管理人（２０）に発注依頼を行うこともできるし、ＦＡＸや電話あるいは葉書や手紙などの従来の通信手段によって行うこともできる。発注依頼を受けた需要者管理人（２０）は、ＦＡＸあるいは電話その他前述の手段により発注先会員（Ｄ）に当該注文を通知する。
【００２２】
注文を受けた当該販売社側会員（Ｄ）は注文商品又はサービスの少なくとも１（有体物に限る。）を宅配業者のような配送業者（Ｆ）に託して当該需要者側会員（Ｃ）が入居している集合住宅（Ａ）の需要者管理人（２０）に届ける。需要者管理人（２０）は配送された商品又はサービスの少なくとも１を発注者である需要者側会員（Ｃ）に届ける。これにより配送業者（Ｆ）は受取人不在による配送手間を解消することができる。音楽配信のような無体物は勿論、直接通信手段（Ｅ）を介して需要者側会員（Ｃ）の端末（ｃ）に送信される。
【００２３】
販売者側会員（Ｄ）は注文を受け、商品又はサービスの少なくとも１の発送と同じくして納品書と請求書とを発行し、納品書については商品又はサービスの少なくとも１に添付して配送し、請求書にあってはデータとして需要者管理部門（Ｂ１）の需要者管理サーバ（ｂ１）に送る。前記需要者管理サーバ（ｂ１）は同データを集金管理サーバ（ｂ２）に転送する。集金管理部門（Ｂ２）は各需要者側会員（Ｃ）毎に請求データを振り分け、請求明細を一枚（請求明細が多項目にわたる場合には複数枚に跨る場合もある）の請求書にまとめ、これを出力する。これと同時に、需要者管理人（２０）は商品に添付されてきた納品書と前記請求書と照合し、一致した場合には照合データとして集金管理部門（Ｂ２）の集金管理サーバ（ｂ２）に前記請求書データを出力する。（この部分の処理は、需要者管理部門（Ｂ１）にて行うこともできる。）不一致の場合はその原因を調査して不一致の原因を解消した後、照合データとして請求書データを出力する。
【００２４】
請求書データが集金管理部門（Ｂ２）に送られてくると、集金管理サーバ（ｂ２）は引き落とし企業（Ｋ２）に前記データを出力し、入金依頼を行う。入金依頼を受けた引き落とし企業（Ｋ２）は請求書データに記録されている決済金融機関（Ｋ１）ごとに当該請求書データを分けて出力し口座振替依頼を行う。
【００２５】
発注者である需要者側会員（Ｃ）の口座から決済日に代金が需要者側会員（Ｃ）の指定金融機関（Ｋ１）によって自動引き落としされる。自動引き落としが出されると、当該代金は前記請求書データに従って全国に散らばっている前記金融機関（Ｋ１）から引き落とし企業（Ｋ２）に口座振替によって集められ、集金管理サーバ（ｂ２）に入力される。
【００２６】
入力された代金は請求書データに従って集金管理サーバ（ｂ２）によって販売者側会員（Ｄ）毎に振り分けられ、販売者側会員（Ｄ）に代金が払いだされる。
【００２７】
需要者側会員（Ｃ）の口座残高が決済日に不足していた場合、引き落としができないので、引き落とし不能データが引き落とし担当金融機関（Ｋ１）から引き落とし企業（Ｋ２）を介して集金管理サーバ（ｂ２）に出力され、このデータが需要者管理部門（Ｋ１）に送られて各集合住宅（Ａ）を管理している需要者管理人（２０）に当該未払い需要者側会員（Ｃ）に対する支払督促を行わせる。
【００２８】
需要者側会員（Ｃ）の支払い与信状況管理は、本実施例では月２回実施（勿論、これ以上でもよいし、これより少なくてもよいことはいうまでもない。）するものとし、支払い状況が不良の場合には場合によって会員資格を剥奪する。
【００２９】
逆に、販売者側会員（Ｄ）からの請求書データが届いているにもかかわらず、商品やサービスが未着である場合、需要者管理部門（Ｂ１）が配送業者（Ｆ）や受注販売者側会員（Ｄ）に問い合わせ、未着理由を解明する。未着理由が不明朗な場合には、当該販売者側会員（Ｄ）への当該代金の支払いを停止すると共に未着理由が解消しない場合には場合によって会員資格を剥奪する。
【００３０】
ネット配信音楽のように需要者管理人（２０）を通らずに直接需要者側会員（Ｃ）に届けられるサービスについては、サービスの納品と請求書データ後の照合ができないので、その場合は違法に代金を必要とされた需要者側会員（Ｃ）の不服申し立てを待って処理することになる。そして、これら一連の手続きは個人データとして個別にデータベース（ｄｂ）に記録される。
【００３１】
【発明の効果】
以上述べたように本発明システムを導入することにより、需要者側会員と販売者側会員との間に集合住宅供給者が介在することにより、安全な取引を実現することができしかも両者にとって数々のメリットが生まれる。
【図面の簡単な説明】
【図１】集合住宅の入居者である需要者側会員、商品・サービスを販売する販売者側会員、決済機関及び集合住宅供給者との接続を説明する図。
【符号の説明】
（Ａ）　集合住宅
（Ｂ）　集合住宅供給者
（Ｃ）　需要者側会員
（Ｄ）　販売者側会員
（Ｅ）　通信手段
（Ｆ）　配送業者
（Ｋ）　決済機関[0001]
TECHNICAL FIELD OF THE INVENTION
TECHNICAL FIELD The present invention relates to a money collection agent system for making a resident of an apartment house and a merchandise / service seller member-based to achieve mutual benefits.
[0002]
[Prior art]
Multi-family housing providers have supplied a large number of condominiums and apartments to various locations. Residents of these apartments purchase daily necessities and various products at nearby supermarkets and department stores, and when using catalog shopping or TV shopping, utilities such as electricity, water, gas, etc. Individually, such as transferring money from a bank or post office. In particular, co-earning has become common as in recent years, equipped with a large refrigerator, using a private car on Saturdays and Sundays to go to a large supermarket in the suburbs, purchasing one week's worth of daily necessities and other general products, and storing it in this Is a common lifestyle.
[0003]
Disadvantages of consumers who take such a lifestyle are that one week's food and other necessities must be stored in a small room, and the price of purchasing goods and services is limited because it is personalized. Since negotiations could not be made and the seller had to buy at the price of the product / service seller, there was trouble in transferring the price, and in the case of account transfer, the debit date was different for each product / service seller, Each time, the balance must be prepared at the bank or post office, and since the invoice arrives at the post for each product / service seller, the management is very troublesome (especially, product / service sales) Since the size and format of invoices vary from person to person, storing them is very troublesome.), Bulky items such as toilet paper, beer and beverages Heavy objects is also a person who has purchased and the like is a point such that it must be brought back their own as.
[0004]
On the other hand, merchandise / service sellers (companies) have no choice but to cultivate new sales channels, but finding new customers is not easy and costs cannot be ignored. In addition, expenses (personnel expenses, fund transfer fees, postal charges, etc.) were required for collection, and when new communication means such as CATV and broadband were introduced, infrastructure maintenance was costly. Also, for leased items such as entrance mats and cleaning mop, when the service seller visits, if the buyer is not available, the leased item cannot be exchanged and must be revisited twice. There was a problem that was troublesome.
[0005]
[Problems to be solved by the invention]
SUMMARY OF THE INVENTION It is an object of the present invention to solve the problems of both by connecting an apartment house between a resident of an apartment house and a product / service seller by interposing an apartment house supplier.
[0006]
[Means for Solving the Problems]
“Claim 1” relates to the collection system of the present invention. “A consumer member (C) who is a resident of an apartment house (A) via a collective housing provider (B) is provided with at least one of goods and services. A product / service seller who has made a contract with the multi-family house supplier (B) to sell
When the seller member (D) supplies at least one of the goods or services to the consumer member (C) through the apartment house supplier (B), the payment is settled through a settlement institution (K). Is a collection system that performs
(A) a merchant-side member server (d) having a home page listing at least one of a product or service;
(B) a customer terminal (c) that can access the seller member server (d) through the communication means (E) and can order at least one of goods or services;
(C) Provide the customer member (C) with a billing statement listing the purchase details of the goods and / or services ordered by the customer member (C), and provide the seller member (D) ) Is collated with the delivery data of the customer side member (C) via the communication means (E), and sends the collation data to the clearing house (K), And a server (b) for the multi-family housing provider that setstle the payment from the account of the customer (C) who made at least one purchase. "
[0007]
According to this, when purchasing goods or services, the consumer side member (C) can be one large group (consumption group), and the merchandise provider (B) takes advantage of the scale advantage to provide the goods and services. There is an advantage that the price can be negotiated for the purchase of the service and the purchase unit price can be reduced. Also, picking up goods (including exchange services such as door mats and cleaning mop) is done through the multi-family provider (B), so you can buy what you need when you need it, There is an advantage that there is no need to store food and other necessities in a small room, and there is no need to take bulky or heavy objects by themselves. In addition, since the list of bills to be received is listed, there is an advantage that management of monthly consumption statements is very simple and individual transfer work can be omitted.
[0008]
On the other hand, the seller member (D) automatically makes a resident (C) of the apartment house (A) by simply contracting with the apartment house supplier (B) regarding the sale of goods and services. And the multi-family housing (A) is increasing year by year, so that there is an advantage that new customers can be cultivated without cost and labor. Further, by collectively entrusting the collection to the multi-family housing supplier (B), the cost required for collection can be reduced. In addition, leased items such as entrance mats and cleaning mop can be entrusted to the apartment house supplier (B) even if the purchased resident (C) is out of the office, which is troublesome twice. There is no such thing. In addition, if the multi-family housing provider (B) incorporates new communication means such as CATV and broadband into the multi-family housing in advance, the cost of infrastructure maintenance can be reduced.
[0009]
“Claim 2” is a case where “Claim 1” is viewed from the collective housing supplier (B) side, and “a consumer member who is a resident of the collective housing (A) via the collective housing supplier (B)” (C) a merchandise / service seller who has signed a contract to sell at least one of goods and / or services with the apartment house supplier (B) is a seller member (D);
When the seller member (D) supplies at least one of the goods or services to the consumer member (C) through the apartment house supplier (B), the payment is settled through a settlement institution (K). Is a collection system that performs
The apartment house supplier (B) accesses the seller member server (d) having the home page on which at least one of the goods or services is posted by the consumer member (C) via the consumer terminal (c). When at least one of the goods or services is ordered, a billing statement listing purchase details of the goods and / or services is provided to the customer side member (C), and the seller member (C) The billing / debit data sent from D) via the communication means (E) is compared with the delivery data of the customer side member (C), and the matching data is sent to the clearing house (K), and the goods or services are Has a server (b) for the multi-family house provider that makes the payment from the account of the customer member (C) who made at least one purchase.
[0010]
"Claim 3" is a further limitation of the "collection agency system as set forth in claim 1 or 2". "A multi-family apartment provider (B) is a member of the customer side (C) who has personal data, a settlement date and a price. It has a multi-family supplier database (db) that records settlement means.
[0011]
"Claim 4" relates to an ordering means in the "collection collection system according to any one of claims 1 to 3", characterized in that "an ordering means for goods or services includes telephone, facsimile, postcard or letter". .
[0012]
"Claim 5" relates to the configuration of the collective housing supplier (B) in the "collection agency system according to any one of claims 1 to 4". The goods installed for each apartment house (A) are delivered to the ordering customer member (C), and the delivery data of the customer member (C) and the data sent from the seller member (D). A demand management section (B1) for checking the billing / debit data, and a verification data sent from the demand management section (B1) to a settlement institution (K) to request settlement and to settle the settlement institution (K). ) Is provided with the collection management section (B2) for providing the receivable / credit data of each customer side member (C) to the customer management section (B1) based on the payment data sent from the customer). Features.
[0013]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, the present invention will be described using preferred embodiments. FIG. 1 shows a resident of a multi-family house (A) in the system, a terminal (c) of a customer side member (C) registered in the system, and a sales company that sells services to products, and subscribes to the system. The seller member server (d) of the seller member (D), the computer (k) of the settlement institution (K) that performs settlement in this system, and the computer (b) of the multi-family provider (B). FIG.
[0014]
The apartment house (A) is a condominium apartment supplied by the apartment house supplier (B). Of course, it may be rented after sale. The multi-family housing (A) includes those equipped with new communication means (E) such as CATV and broadband as infrastructure, and those that are old and do not have such infrastructure.
[0015]
Residents of an apartment house (A) receive an explanation of this system from the apartment house provider (B) and apply for participation in this system (applicant's address, name, age, gender, telephone number, financial institution account number, By performing the settlement date and other necessary items by filling in the application form), the customer becomes a customer side member (C) of the system, and each applicant is given an ID number and other necessary items.
[0016]
The seller member (D) sets a contract for selling at least one of goods or services to the consumer member (C) who is a resident of the apartment house (A) via the apartment house supplier (B). It is a merchandise and service seller exchanged with the home supplier (B), has a homepage on the merchandise and service handled by each, and has an external terminal (including a terminal (c) of a customer side member (C) of this system) ). The services and products to be provided are not particularly limited, and include not only those that can be sold on the Internet but also utilities such as water, gas, and electricity.
[0017]
The collective housing supplier (B) is a provider of the present system. The collective housing supplier (B) is composed of a customer management section (B1) and a collection management section (B2), and the customer management section (B1) is set up for each apartment house (A). It has a demand manager (20) for delivering the goods delivered for each house (A) to the demand member (C) who has ordered, and the delivery data of the demand member (C) and the seller member ( D) It has a collection management server (b2) having a collation function for collating with the billing / debit data sent from D). The explanation of the present system to the residents of the apartment house (A) is made by the customer manager (20) and the apartment house supplier.
[0018]
On the other hand, the collection management section (B2) sends the collation data sent from the demand management section (B1) to the settlement institution (K) to request settlement, and adds the collation data to the payment data sent from the settlement institution (K). A collection management server (b2) for providing the receivable / credit data of each customer side member (C) to the customer management section (B1) based on the data and personal data of the customer side member (C), the settlement date and the settlement. And an apartment house database (db) recording means (ie, settlement method).
[0019]
The multi-family housing supplier (B) sets up the system, and by making many residents of the multi-family housing (A) a member of the system, contracts with the system and sells goods and services. Negotiate discounts on products and services with the member (D) and operate this system.
[0020]
The clearing house (K) is composed of a financial institution (K1) such as a bank or a post office and a debiting company (K2) such as a credit company, and the financial institution (K1) is a member of the customer side ( Debit account from C). The debiting company (K2) has a transfer account at all financial institutions (K1), and no matter which financial institution (K1) is used, it will be transferred to the consumer management department (B1) of the multi-family housing provider (B). The money can be paid.
[0021]
Next, the operation of the present invention will be described. After the consumer member (C) of the present system accesses the home page of the seller member server (d) using the terminal (c) and obtains the product / service information, at least one of the favorite products or services is obtained. A net order for the purchase is issued to the seller member (D). In addition, the ordering of goods and services from the customer side member (C) is, of course, not only performed through the communication means (E), but also an ordering request can be made to the customer manager (20). It can also be performed by a conventional communication means such as facsimile, telephone, postcard or letter. The customer manager (20) receiving the order request notifies the ordering member (D) of the order by facsimile, telephone, or other means as described above.
[0022]
Upon receiving the order, the sales side member (D) entrusts at least one of the ordered goods or services (limited to tangible items) to a delivery company (F) such as a courier service, and the customer side member (C) moves in. To the customer manager (20) of the apartment house (A). The customer manager (20) sends at least one of the delivered goods or services to the customer member (C) who is the orderer. Thus, the delivery company (F) can eliminate the trouble of delivery due to the absence of the recipient. An intangible object such as music distribution is transmitted to the terminal (c) of the customer side member (C) via the direct communication means (E).
[0023]
The seller member (D) receives the order, issues a delivery note and an invoice in the same manner as at least one shipment of the goods or services, and delivers the delivery note attached to at least one of the goods or services. The invoice is sent as data to the demand management server (b1) of the demand management department (B1). The customer management server (b1) transfers the data to the collection management server (b2). The collection management section (B2) distributes the billing data for each customer side member (C), and collects the billing statement into one bill (or, if the billing statement covers a large number of items, may cover a plurality of bills). And output this. At the same time, the customer manager (20) checks the delivery note attached to the product against the invoice, and if they match, sends the matching data to the collection management server (b2) of the collection management section (B2). The bill data is output. (The processing of this part can also be performed by the customer management department (B1).) In the case of a mismatch, the cause is investigated to eliminate the cause of the mismatch, and then the bill data is output as collation data.
[0024]
When the invoice data is sent to the collection management section (B2), the collection management server (b2) outputs the data to the debit company (K2) and makes a payment request. The debit company (K2) receiving the payment request separately outputs the bill data for each settlement financial institution (K1) recorded in the bill data and makes a fund transfer request.
[0025]
The payment is automatically deducted from the account of the customer side member (C) who is the orderer on the settlement day by the designated financial institution (K1) of the customer side member (C). When the automatic debit is issued, the money is collected from the financial institutions (K1) scattered throughout the country to the debit company (K2) by account transfer according to the bill data, and is input to the collection management server (b2).
[0026]
The input price is distributed to each seller member (D) by the collection management server (b2) according to the bill data, and the price is paid to the seller member (D).
[0027]
If the account balance of the customer side member (C) is insufficient on the settlement date, it cannot be debited. Therefore, data that cannot be debited is transferred from the debiting financial institution (K1) to the collection management server (b2) via the debiting company (K2). ), And this data is sent to the customer management department (K1) to prompt the customer manager (20) managing each apartment house (A) to pay the unpaid customer side member (C). Is performed.
[0028]
In this embodiment, the credit status management of the customer side member (C) is performed twice a month (of course, it may be more or less), and the payment is made. If the situation is poor, the membership may be stripped off.
[0029]
Conversely, if the goods and services have not arrived despite the invoice data from the seller member (D) having arrived, the consumer management department (B1) sets the delivery company (F) and the order sales. Inquiry to the member (D) of the other party to clarify the reason for the lack If the reason for the non-arrival is unclear, the payment to the seller member (D) is stopped, and if the reason for the non-arrival is not resolved, the membership is deprived in some cases.
[0030]
For services that are delivered directly to the consumer side member (C) without going through the consumer manager (20), such as music distributed over the Internet, delivery of the service and verification after billing data cannot be performed. The request will be processed after the complaint of the customer side member (C) who needs the payment. These series of procedures are individually recorded in the database (db) as personal data.
[0031]
【The invention's effect】
As described above, by introducing the system of the present invention, it is possible to realize a safe transaction by intervening the multi-family provider between the customer side member and the seller side member, Is born.
[Brief description of the drawings]
BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is a diagram for explaining connection between a customer side member who is a resident of an apartment house, a seller side member who sells goods and services, a settlement institution, and an apartment house supplier.
[Explanation of symbols]
(A) Apartment house (B) Apartment house provider (C) Consumer side member (D) Seller side member (E) Communication means (F) Delivery company (K) Settlement agency

Claims

A merchandise / service seller who has signed a contract with the collective housing supplier to sell at least one of goods or services to a consumer member who is a resident of the collective housing via the collective housing provider is a seller member,
A collection agent system for performing payment settlement through a settlement institution when a seller member supplies at least one of goods or services to the consumer member through the apartment house supplier,
(A) a seller-side member server having a home page on which at least one of a product and a service is posted;
(B) a consumer terminal capable of accessing the seller member server through communication means and ordering at least one of goods or services; and (c) a product or a product ordered by the consumer member. And / or provide the billing statement in which the purchase details of the service are listed to the customer side member, and deliver the billing / debiting data sent from the seller side member via the communication means to the customer side member. And a server for sending the collation data to a settlement institution to settle the price from an account of a customer member who has purchased at least one of the goods or services. Characteristic collection system.

A merchandise / service seller that has signed a contract with the collective housing supplier to sell at least one of goods or services to a consumer member who is a resident of the collective housing through the collective housing supplier is referred to as a seller member. ,
A collection agent system for performing payment settlement through a settlement institution when a seller member supplies at least one of goods or services to the consumer member through the apartment house supplier,
When the consumer-side member accesses the seller-side member server having a home page on which at least one of the goods or services is posted via the customer-side terminal and places an order for at least one of the goods or services, At the same time, a billing statement listing the purchase details of the goods or services is provided to the customer side member, and the billing / debiting data sent from the seller side member via the communication means is demanded. Having a collective housing supplier server that checks against the delivery data of the consumer side member, sends the verification data to the settlement institution, and settles the price from the account of the consumer side member who has purchased at least one of the goods or services. A payment collection system characterized by the following.

The collective housing supply system according to claim 1, wherein the collective housing supplier has a collective housing supplier side database that records personal data of a customer side member, a settlement date, and a settlement means. .

4. The payment collecting system according to claim 1, wherein the means for ordering the goods or services includes a telephone, facsimile, postcard or letter.

The multiple dwelling house supplier is set up for each multiple dwelling house, and delivers the goods delivered for each multiple dwelling house to the ordering consumer member, as well as the delivery data of the consumer side member and the request sent from the selling side member. A demand management section for checking with the debit data, and a request for settlement by sending the verification data sent from the demand management section to the settlement institution, and each customer side based on the payment data sent from the settlement institution. 5. The payment collection system according to claim 1, further comprising a collection management section for providing the receivable / credit data of the member to the customer management section.