JP2004310513A - Settlement management system, settlement management method and settlement management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement management system, a settlement management method and a settlement management program that can streamline settlement between a payer and a payee. <P>SOLUTION: The settlement management system 1, which is connected via a network 10 to a bank system 2 for managing a settlement manager's account and withdrawal rights for the account set on a plurality of payees, receives information on a payer's deposit into the settlement manager's account from the bank system 2. From storing means storing claim and payment agreement information including money information agreed on claims and payments between the payer and the payees, the information is read out. According to the deposit information received and the money information read out, for identification information on every payee, a withdrawal limit which the payee can withdraw from the settlement manager's account is calculated and transmitted to the bank system 2. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention mainly relates to a settlement management system, a settlement management method, and a settlement management program applied to settlement management between a bank system and a medical institution.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, there is a technique for managing an account in a bank system or the like. For example, a related art document 1 describes a payment management system that manages a group account of a plurality of members.
According to this prior art, a group account of each member is set in the bank, and the attributes of each member, the cost items to be withdrawn, authorization conditions such as withdrawal, joining, unsubscribing, changing attributes, transaction, etc. Set the history and personal account of the member.
For each member, withdrawal restrictions and approval / disapproval by other members are set in accordance with the attributes of the database, cost items, and approval conditions, and withdrawal and payment are performed under these restrictions.
In addition, the introduction of new members to this group, the withdrawal of members, and the change of attributes are stipulated as to whether or not the approval of other members is required. If necessary, permission is given after such approval. Such approval or rejection is determined by the transaction determination means according to the database or the response result of the approval requester.
[0003]
Prior art document 2 describes an ATM in which the usability of settlement management is enhanced when a plurality of members share an account of a financial institution.
According to this conventional technique, first, an automatic transaction device having a storage medium processing unit that reads account information from a storage medium that stores account information corresponding to an account and an input unit that allows a customer to input a password or the like, A network is constructed by connecting to a host computer that has a customer information management database that stores customer information such as the balance of the account corresponding to the password and the password, and one account is shared by multiple holders. .
Then, a plurality of storage media corresponding to this account are issued.
In an automatic transaction apparatus, when performing various transactions using a storage medium owned by each holder, a storage medium processing unit reads account information from the storage medium and inputs a password corresponding to the storage medium from an input unit. If it is entered, it sends the account information and password to the host computer.
The host computer searches the customer information management database for customer information of the corresponding account based on the received account information and password, and executes various transactions based on the searched customer information of the account.
[0004]
[Patent Document 1]
JP 2002-269351 A [Patent Document 2]
JP-A-11-86087
[Problems to be solved by the invention]
On the other hand, the current medical insurance system has the following problems. In other words, in the conventional medical insurance system, when each citizen joins medical insurance such as health insurance, mutual aid union, and national health insurance, and pays monthly premiums, if they are treated at a medical institution, A certain percentage (70%, etc.) of expenses is paid from medical insurance (hereinafter, the medical expenses at the rate paid from medical insurance are referred to as medical insurance insurance benefits). Each individual pays the rest of the medical expenses (30% or the like) directly (hereinafter, the medical expenses for the proportion are referred to as medical insurance own expenses).
[0006]
Medical expenses to be paid from medical insurance are calculated using the receipt (medical (dispensing) fee statement) created for each item at each medical institution such as a hospital, clinic, pharmacy, etc. , National and local governments). In practice, in many cases, the claim is once sent from each medical institution to an inspection and paying agency, which is a public institution. Then, after the contents of the receipt are examined by a staff member with specialized knowledge, each insurer is billed collectively. Payment is made by the insurer to each medical institution via an examination payment institution. In this case, the period from billing to payment is usually about two months.
[0007]
On the other hand, out-of-pocket medical expenses are usually settled for each day of medical care. After the medical treatment is completed, the insured person goes to the accounting department of the medical institution and pays the cash or the like.
[0008]
As mentioned above, payment for medical insurance benefits claimed by a claim was generally made through an appraisal and payment agency. In contrast, in recent years, IT (information technology) has been used in accordance with deregulation, so that billing / payment information can be exchanged directly between medical institutions and insurers by medical institutions and insurers without going through screening / paying institutions. Is being built. For example, there is an institution that mediates transmission and reception of a large amount of receipt information between a medical institution and an insurer, which employs a mechanism for returning a claim for which the insurer has reserved payment to a medical institution.
[0009]
In addition, there is a product that uses a business model based on factoring to shorten the period required for cashing the receivables to the examination and payment agency. One thing to keep in mind when factoring is that not all claims issued by medical institutions are assessed at their full value. In other words, if the content of the claim is inappropriate, the amount of the charge may be reduced or reserved. Therefore, in the above-mentioned products, the medical treatment claim (medical treatment claim) generated at each medical institution is not treated as a claim having 100% credit, but is treated as including a certain defect. Therefore, the claim transferee usually discounts the medical fee to about 80% and cashes it. Then, one to two months later, when the payment amount is determined by the examination and payment institution, payment for the remaining receivables is made. Therefore, the ratio of cashing at the beginning is low, for example, about 80%.
[0010]
The techniques described above are primarily for medical insurance benefits that are claimed using a claim. On the other hand, the medical insurance out-of-pocket portion is generally paid daily in cash as described above. Some medical institutions have been able to use credit cards and debit cards (for example, Patent Document 3). However, there has been no particular technical change in the system for checking claims. For example, a system that examines the contents of the copayment as in the case of the receipt examination, and reflects the ratio of the medical insurance insurance benefits to the medical insurance copayment when the request from the medical institution is reduced. There was no mechanism to make it happen.
[0011]
Further, when such a system is constructed, the use of the above-mentioned settlement management system involves a major change in the existing banking system, so that there is a problem that a huge cost is required for constructing the system.
[0012]
The present invention has been made in view of such circumstances, and has as its object to provide a payment management system, a payment management method, and a payment management method capable of improving the efficiency of payment between a payer and a payee. To provide a management program.
[0013]
[Means for Solving the Problems]
SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and the invention according to claim 1 has an account of a settlement manager and a withdrawal authority set for a plurality of payees from the account. A payment management system connected via a network to a bank system that manages the payer, the payer's identification information associated with the payer's identification, the payer's identification, Storage means for storing billing / payment agreement information comprising billing and payment amount information agreed with the payer; a deposit amount paid from the payer to the account of the settlement manager; Receiving means for receiving payment information comprising the identification information from the banking system, based on the payment information received by the receiving means and the amount information stored in the storage means, from the account of the payment manager The payment Withdrawal limit calculating means for calculating a withdrawal limit that can be withdrawn by the identification information of the payee, and transmitting means for transmitting the withdrawal limit information calculated by the withdrawal limit calculating means to the bank system. It is characterized by having.
[0014]
According to a second aspect of the present invention, in the first aspect of the invention, the receiving means further comprises: a withdrawal amount paid by the payee from the account of the settlement manager; Receiving withdrawal information comprising the identification information of the above from the banking system, the withdrawal limit calculating means, the withdrawal information and withdrawal information received by the receiving means, and the amount information stored in the storage means A withdrawal limit that can be withdrawn by the payee from the account of the settlement manager.
[0015]
According to a third aspect of the present invention, in the first aspect of the present invention, the storage unit further withdraws the payee from the settlement manager's account previously calculated by the withdrawal limit calculating unit. The withdrawal limit calculating means stores the deposit information and withdrawal information received by the receiving means, and the amount information and the withdrawal limit calculating means stored in the storage means. Calculating a withdrawal limit that the payee can withdraw from the settlement manager's account based on the calculated withdrawal limit that the payee can withdraw from the settlement manager's account. Features.
[0016]
The invention according to claim 4 is connected via a network to a bank system that manages the account of the payment manager and the authority to withdraw from the account set for a plurality of payees. In the settlement management system, a settlement method for mediating settlement between a payer and the payee, the method comprising: a deposit amount paid from the payer to the account of the settlement manager; and identification information of the payer. Receiving payment information from the banking system, identifying the payer's identity, payee's identity associated with the payer's identity, and billing and paying between the payer and the payee From the storage means for storing the billing / payment agreement information consisting of the amount information agreed on, and based on the received deposit information and the amount information read from the storage means, the settlement manager of Calculating a pull-out limit that can be the subject payer withdraws from the seat by the identification information of the payee's and transmits the withdrawal limit information thus calculated to the banking system.
[0017]
Further, the invention according to claim 5 is connected via a network to a bank system for managing an account of a settlement manager and withdrawal authority set for a plurality of payees from the account. In the settlement management system, a settlement program for causing a computer to execute a process of mediating settlement between the payer and the payee, and a deposit amount deposited from the payer to the account of the settlement manager; A process of receiving payment information comprising payer identification information from the banking system, the payer identification information, the payee identification information associated with the payer identification information, and the payer A process for reading out the amount information from the storage means for storing the billing / payment agreement information comprising the amount information on the billing and payment agreed with the payee; A process of calculating a withdrawal limit that can be withdrawn by the payee from the account of the payment manager based on the identification information of the payee based on the amount information read from the stage, and the calculated withdrawal limit And a process of transmitting information to the bank system by a computer.
[0018]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of an online transaction system to which a settlement management system of the present invention is applied will be described with reference to the drawings. FIG. 1 is a configuration diagram showing a configuration of the online transaction system of the present embodiment.
The online transaction system of the present embodiment is configured by connecting a settlement management system 1, a bank system 2, a medical institution terminal 3, and an insurer (such as a health insurance union) terminal 4 via a network 10.
That is, the online transaction system according to the present embodiment is an example of a case where the online transaction system is applied to a settlement process between a medical institution and an insurer. However, the present invention is not limited to this. Applicable to all payment processing.
[0019]
The payment management system 1 includes a payment management server 11, a billing management database (hereinafter, referred to as DB) 12, a withdrawal information DB 13, a payment information DB 14, and a payment management information DB 15. .
The payment management server 11 includes an input / output (transmission / reception) control unit via a network interface, a billing management DB 12, a withdrawal information DB 13, a payment information DB 14, a read / write control unit for a payment management information DB 15, and a payment. This is a computer system having a processing unit that executes a series of arithmetic processing (described later) relating to management.
[0020]
The claim management DB 12 is a database storing billing / payment agreement information between a payer and a payee (a medical institution and an insurer).
Here, the billing / payment agreement information is the payer identification information, the payee identification information associated with the payer identification information, and the billing and payment agreement between the payer and the payee. This information is composed of the calculated amount information, and is specifically configured as shown in a table T1 in FIG.
That is, in the table T1, the identifier of the payer (☆☆ Health Insurance) and the identifier of the payee (XX hospital, △△ hospital, ◇◇ hospital) are associated with each other, The payment amount is written for each payee identifier.
[0021]
The withdrawal information DB 13 is provided in the bank system 2 for managing the account of the settlement manager and the authority for withdrawal from the account of the settlement manager set for the plurality of payees. Institution) is a database storing payment information including the payment amount paid out from the account of the settlement manager and the identification information of the payee.
Here, in the banking system 2, as shown in the table T6 of FIG. A plurality of cash card IDs and cash cards are issued to the account of the payment manager as a medium for managing the authority to freely pay the amount to be paid by the payee from the account of the payment manager.
Specifically, in the table T6 in FIG. 2, the cash card ID: ○ corresponds to ○ hospital, △△△ corresponds to △△ clinic, ◇◇◇ corresponds to ◇◇ clinic.
A password is set for each cash card, and the withdrawal limit is set within a range where the sum of the withdrawal limits of each cash card does not exceed the balance of the account of the settlement manager.
The dispensing information is configured as shown in a table T2 in FIG. That is, each cash card ID (= payee identification information), withdrawal date, withdrawal amount, and bank fee for withdrawal are associated with each other.
[0022]
The deposit information DB 14 is a database that stores deposit information including a deposit amount paid from a payer to an account of a settlement manager and payer identification information.
The payment information is specifically configured as shown in a table T3 in FIG. That is, the payer identification information (☆☆ Health Insurance), the payment date, and the payment amount are associated with each other.
[0023]
The payment management information DB 15 includes detailed information including the payment information stored in the payment information DB 14 and the withdrawal information stored in the withdrawal information DB 13 and the amount stored in the billing management information DB 12. Payment balance calculated from the information (= billing amount) and the withdrawal limit information that the payee can withdraw from the previous payment manager's account (= This is a database in which payout limit information that can be withdrawn) is stored in association with payee identification information (= hospital name, cash card ID).
Specifically, as shown in tables T4 and T5 in FIG. 2, for each medical institution, detailed information (type of payment / withdrawal, date, amount), payment balance, identification information (hospital name, cash card ID) Is stored.
[0024]
As described above, the bank system 2 stores the account of the settlement manager and the authority for withdrawal from the account of the settlement manager set for the plurality of payees with the bank server 21 and the table T6 in FIG. It is issued as a medium that manages the account information (account number, name, balance) of the administrator of the payment management system and the authority to allow the payee to freely withdraw each amount to be paid from the account of the payment administrator. Information DB · 22 storing cash card information (cash card ID, password) of each medical institution to which the withdrawal authority associated with this account information is set; The withdrawal limit information DB 23 stores withdrawal limit information associated with the cash card information of each medical institution shown in the table T6.
[0025]
The medical institution terminal 3 is a terminal installed in each medical institution that is the payee, executes online transaction processing (balance inquiry, transfer, etc.) with the bank system via the network 10, and performs a settlement management system. And online transaction processing (such as statement inquiry).
The insurer terminal 4 is a terminal installed in the health insurance union which is the payer, and executes online transaction processing (balance inquiry, transfer, etc.) with the bank system via the network 10.
[0026]
Next, the operation of the online transaction system of the present embodiment will be described with reference to the drawings. FIG. 2 and FIG. 3 are flowcharts showing the steps of the settlement process by the online transaction system of the present embodiment.
Now, when the medical institution terminal 3 requests the administrator of the payment management system 1 to perform the mediation processing of the payment with the health insurance union as the insurer, the administrator of the payment management system 2 Requesting the bank system 2 to issue a cash card ID for the medical institution to the account of the settlement administrator. That is, the payment management server 11 of the payment management system 1 transmits a request for issuing a new cash card ID to its own account to the bank server 21.
The bank server 21 issues a new cash card ID and a personal identification number based on this request, and transmits them to the payment management system.
When the payment management server 11 receives this, it writes it in the billing management DB · 12 and the payment management information DB · 15. That is, the new hospital and the cash card ID associated therewith are written in the tables T1 and T4.
[0027]
Next, for example, if the amount of the claim / payment regarding the use of insurance for this month is agreed as a result of the examination between the health insurance union and the medical institution (step S1 in FIG. 3), this amount information is paid. The information is input to the payment management system 1 in association with the identification information of the payer and the identification information of the payee.
This input method may be, for example, a case where the information is transmitted from a medical institution terminal 3 of a medical institution, a terminal 4 of an insurer, or a terminal of another assessing institution to the payment management system 1 via a network.
The settlement management system 1 receives the billing / payment agreement information (step S2), and the settlement management server 11 writes the billing / payment agreement information into the billing management information DB · 12. That is, in the above-described table T1, the amount charged for ** Hospital, △△ Clinic, and ◇◇ Clinic for ** Health Insurance for ** month is written together with the expected payment date and the payment date (however, at this time, Payment date is blank).
[0028]
Further, when the invoiced amount is paid from the insurer ☆☆ Kenho to the account of the administrator of the settlement management system 1 of the bank system 2 (step S3), the bank server 21 of the bank system 2 transmits the account information. The charge amount is added to the balance (see table T6) (step S4). Then, after the addition processing, the bank server 21 receives the payment information as
☆☆ The health insurance name (payer identification information), the payment date, and the payment amount are transmitted to the settlement management server 11 (step S5).
[0029]
When receiving the payment information, the payment management server 11 writes the payment information in the payment information DB · 14. That is, as the payment information, ☆☆ Health insurance name (payer identification information), payment date, and payment amount are written in the above-described table T3.
Next, the settlement management server 11 adds the payment information to the billing management information DB · 12. That is, the payment date and the payment amount from the name of ☆☆ Health Insurance are written in the table T1 (step S6).
The payment management server 11 performs payment management based on the payment information received from the bank server 21 and written in the payment information DB 14 and the amount information (= charge amount) stored in the charge management DB 12. The withdrawal limit that the payee can withdraw from the payer's account is calculated for each payee identification information.
That is, the payment management server 11 allocates the deposit amount to each medical institution based on the billing / payment agreement information, and then, when payment is made from a plurality of payers to one medical institution, The sum is added to calculate the payment amount to each medical institution (step S7). Then, based on the calculated payment amount and the amount information read from the bill management DB · 12, a withdrawal limit (= payment balance in tables T4 and T5) of each medical institution is calculated by a predetermined evaluation function. (Step S8).
[0030]
After calculating the withdrawal limit of each medical institution, the settlement management server 11 transmits an update request for the withdrawal limit to the bank server 21 together with the account number of the administrator of the settlement system 1 and the cash card ID of each medical institution ( Step S9).
Further, the payment management server 11 reads out the detailed information (see T4 in FIG. 2) from the payment management information DB 15 and transmits it to the terminal of the medical institution. Instead of transmitting the detailed information, for example, means such as mailing may be used.
In response to the request for updating the withdrawal limit, the bank server 21 updates the withdrawal limit on the account of the administrator of the settlement system 1 based on each received cash card ID and the withdrawal limit (step). S10).
[0031]
Further, when the medical institution terminal 3 receives the detailed information, the detailed information is displayed on the display unit. Then, the user at the medical institution terminal 3 confirms the notification of the detailed information displayed on the display unit of the medical institution terminal 3 (step S11).
After the confirmation, when the user at the medical institution terminal 3 withdraws money at an ATM or the like using the issued cash card (step S12), the bank server 22 determines the withdrawal amount from the account balance of the administrator of the settlement management system. Only the subtraction process is performed (step S13), and the withdrawal information (see cash card ID, withdrawal date, withdrawal amount, and bank fee table T2 in FIG. 2) is transmitted to the settlement management server 11 (step S14).
[0032]
When the settlement management server 11 receives this withdrawal information, it writes it into the withdrawal information DB 13. Then, after writing, the payment information and the payment information received from the bank system 1 and the amount information read out from the billing management DB 12 and the payment management account read out from the payment management information DB 15 previously calculated from the account of the payment manager. Based on the withdrawal limit (= current balance of payment to each medical institution) that the payer can withdraw, the withdrawal limit that the payee can withdraw from the account of the settlement manager is calculated.
Then, the settlement management server 11 transmits a request for updating the withdrawal limit to the bank server 21 together with the account number of the administrator of the settlement system 1 and the cash card ID of each medical institution based on the calculated withdrawal limit. I do.
When the bank server 21 receives the update request of the withdrawal limit, the bank server 21 updates the withdrawal limit on the account of the administrator of the settlement system 1 based on each received cash card ID and the withdrawal limit.
[0033]
Then, the settlement management server 11 repeats steps S6 to S9 as described above. That is, the settlement management server 11 newly calculates the withdrawal limit every time the payment information and the withdrawal information are received from the bank system 2, and transmits a request for updating the withdrawal limit to the bank server 21.
[0034]
As described above, according to the online transaction system of the present embodiment, it is possible to obtain the effect of improving the efficiency of settlement between the payer and the payee using the existing bank system. Further, in the case of constructing the present system, since there is no need to make a major change in the existing bank system, it is possible to obtain an effect that the cost for constructing the system can be reduced.
In addition, according to the online transaction system of the present embodiment, a predetermined evaluation function is applied based on the actual payment information and the billing / payment agreement information between the medical institution and the insurer. The effect is to be able to examine the payment contents of the copayment, or to reflect the ratio to the medical insurance copayment when the claim from the medical institution is reduced for the medical insurance insurance payment .
[0035]
The payment management server and the bank server in the above-described payment management system and the bank system have a computer system therein.
The series of processes relating to the settlement process described above are stored in a computer-readable recording medium in the form of a program, and the computer reads and executes the program to perform the process.
That is, in the above-described settlement management system and bank system, each processing means and processing unit is such that a central processing unit such as a CPU reads the above-mentioned program into a main storage device such as a ROM or a RAM, and performs processing and arithmetic processing of information. It is realized by executing.
Here, the computer-readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to a computer via a communication line, and the computer that has received the distribution may execute the program.
[0036]
【The invention's effect】
As described above, the present invention provides a payment management system connected via a network to a bank system for managing a payment manager's account and a plurality of payee's accounts associated with the account. Receiving payment information from the banking system, comprising the amount of money deposited into the account of the settlement administrator from the bank and the identification information of the payer, and receiving the payment information associated with the identification information of the payer and the identification information of the payer. From the storage means for storing the billing / payment agreement information comprising the identification information of the person and the billing / payment information agreed on the billing and payment between the payer and the payee, and the received payment information and Based on the amount information read from the storage means, the withdrawal limit that can be withdrawn by the payee from the account of the payment manager is calculated for each payee identification information, and the bank system And transmits to the arm, it is possible to obtain the effect of efficiency can be achieved in the settlement between the payer and the payer.
[Brief description of the drawings]
FIG. 1 is an overall configuration diagram showing an overall configuration of an online transaction system according to an embodiment.
FIG. 2 is a flowchart showing a process of a settlement process in the online transaction system of the embodiment.
FIG. 3 is a flowchart showing a process of a settlement process in the online transaction system of the embodiment.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Payment management system 2 ... Bank system 3 ... Medical institution terminal 4 ... Insurer terminal 11 ... Payment management server 12 ... Billing management information DB
13 ... Withdrawal information DB
14 payment information 15 payment management information DB
21: Bank server 22: Account information DB
23 ... withdrawal information DB

Claims (5)

A payment management system, which is connected to a bank system that manages an account of the payment manager and a plurality of payees, and a withdrawal authority from the account, via a network,
Billing / payment comprising payer identification information, payee identification information associated with the payer identification information, and amount information agreed between the payer and the payee for billing and payment. Storage means for storing agreement information;
Receiving means for receiving, from the bank system, a deposit amount comprising the deposit amount paid to the account of the settlement administrator from the payer and identification information of the payer,
Based on the payment information received by the receiving means and the money amount information stored in the storage means, the withdrawal limit of the payee that can be withdrawn from the account of the payment manager is identified by the payee. Withdrawal limit calculation means calculated for each information,
Transmission means for transmitting the withdrawal limit information calculated by the withdrawal limit calculation means to the bank system. The receiving means further receives, from the bank system, withdrawal information including the withdrawal amount paid by the payee from the account of the payment manager and identification information of the payee,
The withdrawal limit calculating means, wherein the payee withdraws from the account of the settlement manager based on the payment information and withdrawal information received by the receiving means and the amount information stored in the storage means. 2. The settlement management system according to claim 1, wherein a withdrawal limit is calculated. The storage unit further stores a withdrawal limit amount that the payee can withdraw from the account of the settlement manager previously calculated by the withdrawal limit amount calculation unit,
The withdrawal limit calculating means, based on the deposit information and withdrawal information received by the receiving means, the amount information stored in the storage means and the account of the settlement manager previously calculated by the withdrawal limit calculating means. 2. The settlement according to claim 1, wherein a withdrawal limit with which the payee can withdraw is calculated from the account of the settlement manager based on a withdrawal limit with which the payee can withdraw. Management system. In a payment management system connected via a network to a bank system for managing a payment manager's account and a plurality of payees' right to withdraw from the account, the payer and the payment Payment method that mediates the payment of
Receiving from the bank system a deposit amount consisting of the deposit amount paid to the account of the settlement administrator from the payer and identification information of the payer,
Claims comprising the payer's identification information, payee's identification information associated with the payer's identification information, and amount information agreed on billing and payment between the payer and the payee. The amount information is read from the storage unit for storing the payment agreement information,
Based on the received deposit information and the amount information read from the storage means, a withdrawal limit that the payee can withdraw from the account of the payment manager is calculated for each identification information of the payee. ,
And transmitting the calculated withdrawal limit information to the bank system. In a payment management system connected via a network to a bank system for managing a payment manager's account and a plurality of payees' right to withdraw from the account, the payer and the payment A payment program for causing a computer to execute a process of mediating payment by a user,
A process of receiving, from the bank system, payment information including the payment amount received from the payer to the account of the payment manager and identification information of the payer,
Claims comprising the payer's identification information, payee's identification information associated with the payer's identification information, and amount information agreed on billing and payment between the payer and the payee. A process for reading out the amount information from a storage unit for storing the payment agreement information;
Based on the received deposit information and the amount information read from the storage means, a withdrawal limit that can be withdrawn by the payee from the account of the payment manager is calculated for each payee identification information. Processing,
And transmitting the calculated withdrawal limit information to the bank system.

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