JP2005267387A - Electronic settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system convenient for a user, in addition to reduction in the business burden of an agent for charging the user. <P>SOLUTION: In this electronic settlement system 2, charge specification information for utility charges for a user who is in contract with each public agent is acquired from each public agent system 6a, 6b or 6c connected thereto through a network 4, and a charge specification list is formed based on the acquired charge specification information. According to a request from the user, then, for example, data of the charge specification list is transmitted to a user terminal 10a, and settlement instruction information to a charge specification in the charge specification list transmitted from the user terminal 10a is received. Based on the settlement instruction information, for example, credit information for requesting a credit to the user is transmitted to a credit card company system 8a, and settlement information from the credit card company system 8a based on the credit result is received, and a settlement report showing that the settlement is performed is transmitted to the public agent system 6a based on the received settlement information. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an electronic settlement system that electronically settles payment of fees to various businesses of users.

  Conventionally, when various business operators charge users, for example, when a public business operator such as a power company requests users to pay public fees (for example, electricity bills), a transfer form is sent as an invoice. Was. The user who received the transfer paper pays the utility bill charged by using the transfer paper at a financial institution or a convenience store. In addition, when an automatic withdrawal contract is signed between the user and the public business operator from an account opened by the user in the financial institution, the withdrawal is performed on a preset date, Payment was made.

  There is an electronic settlement system that pays a fee to a public company or the like based on a request from a user. In this electronic payment system, a billing notification email based on billing data for utility bills transmitted from a provider system such as a public utility (email that notifies billing for utility bills) is sent to the user terminal used by the user, Based on the account transfer request from the user, the utility fee is paid by transferring money from the user's account to the account of the public company (see Patent Document 1). According to this electronic payment system, the user can process the payment of public utilities without worrying about time and place.

JP 2003-108893 A

  By the way, when the business operator sends the transfer paper to the user, it takes a lot of labor to issue and send the transfer paper, and costs associated with the work, which are a burden on the business operator. ing. In addition, the user who received the transfer paper must pay the fee using the transfer paper by going to a financial institution or a convenience store, and it takes time and effort to pay the fee. On the other hand, when an automatic withdrawal contract has been concluded, the operator does not need to issue / send a transfer form as an invoice, but it still requires time and effort to issue a receipt. In addition, the user must always manage the account so that the utility bill is surely deducted. Moreover, in the electronic payment system described in the above-mentioned Patent Document 1, account transfer processing must be performed every time a charge is billed from each public business operator, which complicates user processing. It was.

  The subject of this invention is providing the electronic payment system with high convenience for a user while reducing the work burden of the provider regarding the charge bill with respect to a user.

  The electronic payment system according to claim 1 is a user information storage means for storing user information including information indicating each business operator with whom the user has a contract and information relating to a credit card held by the user; Business information storing means for storing business information relating to each of the contracted business operators, user information stored in the user information storage means, and business information stored in the business information storage means The billing details information acquisition means for acquiring the billing details information related to the billing to the user from the business operator system of the business with which the user has a contract, and the billing details information acquisition means A billing statement list creating means for creating a billing statement list indicating the billing details for each of the businesses for the user based on the billing details information; The billing statement list created by the billing statement list creation unit is transmitted to the user terminal of the user based on a request from the user, and the billing statement is transmitted from the user terminal. Based on the payment instruction information received by the payment instruction information receiving means and the user information, the user holds the payment instruction information receiving means for instructing payment for the billing details included in the list. Credit information transmitting means for transmitting credit information for requesting credit provision to the user to the credit card company system of the credit card company that issued the credit card, and to the user transmitted from the credit card company system Payment information receiving means for receiving payment information for the operator based on the credit result of; Based on the received settlement information by serial payment information receiving means, characterized in that it comprises a payment notice transmitting means for transmitting a settlement notification to the previous article skilled system.

  According to the electronic settlement system according to claim 1, billing specification information on a charge for a user is acquired from a business operator system, and the billing specification is displayed in a list format for each user based on the acquired billing specification information. A list has been created. Then, payment instruction information for the billing details included in the created billing details list is received, and the billing details instructed to be paid by the received payment instruction information are settled using a credit card. That is, the user can confirm the payment due date and payment amount for each business operator at a time in the billing statement list, and can settle the charges collectively. Therefore, for example, it is not necessary to individually check the contents of billing details for each utility bill such as electricity bill, gas bill, water bill, etc., and make settlement in a quick and simple manner without having to give instructions for settlement. Can do.

  Further, the electronic settlement system according to claim 2 is based on a transaction history storage unit that stores a transaction history between the user and each of the operators, and a transaction history stored in the transaction history storage unit. A settlement confirmation unit that confirms a settlement status for the billing details information acquired by the billing specification information acquisition unit, and the billing statement list creation unit is configured to check the billing statement list based on a confirmation result by the settlement confirmation unit. It is characterized by creating a table.

  According to the electronic settlement system described in claim 2, the billing statement list is created after confirming the settlement status with respect to the obtained billing statement information with reference to the transaction history. That is, the billing details list is created based on the billing details information that is confirmed to be unsettled by referring to the transaction history in the billing details information acquired from the business operator system. Therefore, when the user has already paid a fee, it is possible to appropriately prevent double payment.

  The electronic payment system according to claim 3, wherein the payment instruction information includes an instruction for payment for at least two or more bill specifications selected from the bill specifications included in the bill specification list. To do.

  According to the electronic settlement system of claim 3, since it is possible to perform settlement for a billing item arbitrarily selected by the user from among the billing details included in the billing specification list, it is highly convenient for the user. Can provide sex.

  The electronic settlement system according to claim 4 further includes a scheduled payment date storage unit that stores the scheduled payment date of the user for each of the business operators, and the credit information transmission unit stores the scheduled payment date storage unit. Credit information for requesting credit provision to the user is transmitted to the credit card company system for each stored payment date.

  According to the electronic settlement system described in claim 4, credit is required for the user for each set scheduled date of payment. In other words, the credit card company is automatically requested to provide credit to the credit card company for each set scheduled date of payment, and settlement is made for the billing details for which the scheduled date of payment is set. Therefore, the user can arbitrarily set the scheduled payment date, and settlement can be performed for each set scheduled payment date.

  According to the present invention, the user can confirm the payment due date and the payment amount for each business operator at a time in the billing statement list, and can settle the fees collectively. Therefore, for example, it is not necessary to confirm the contents of the billing details individually for each of public charges such as electricity bills, gas bills, water bills, etc., and make settlements quickly and easily. Therefore, it is possible to reduce the work burden such as invoicing by the business operator, reduce the cost, and provide the user with high convenience.

  Hereinafter, an electronic settlement system according to an embodiment of the present invention will be described with reference to the drawings. In the following, an example will be described in which a user pays a public fee to a public company such as an electric power company, a gas company, and a water station.

  FIG. 1 is a block configuration diagram of the entire system including an electronic settlement system according to an embodiment of the present invention. As shown in FIG. 1, the electronic payment system 2 is installed in public business operator systems 6 a, 6 b, 6 c used by each public business operator, and various credit card companies with which users are contracted, via a network 4. Credit card company systems 8a, 8b, 8c and user terminals 10a, 10b, 10c used by each user. The electronic payment system 2 is a system that performs processing of electronic bill presentation payment, that is, processing of EBPP (Electronic Bill Presentment and Payment), and is installed in a third party other than public business operators and credit card companies. ing.

  FIG. 2 is a block configuration diagram of the electronic settlement system according to the embodiment of the present invention. As shown in FIG. 2, the electronic payment system 2 includes a data control unit 20 that controls data processing in the electronic payment system 2. The data control unit 20 is connected to a communication control unit 22 that controls communication with the public business operator systems 6a, 6b, 6c, the credit card company systems 8a, 8b, 8c and the user terminals 10a, 10b, 10c. ing. The data control unit 20 is connected to a user information storage unit 24 that stores user information, and a business information storage unit 26 that stores business information related to business operators contracted with the user. Further, the data control unit 20 is connected to a transaction history storage unit 28 that stores a transaction history between the user and the public business operator, and a data storage unit 30 that stores information related to the settlement of public charges for the business operator. Yes.

  In the user information storage unit 24, user information (user information) registered in the electronic payment system 2, that is, the user's name, address, telephone number, e-mail address, password, credit card information, and contract. Information including a public business operator and a customer identification number assigned by the public business operator is stored in association with a user ID assigned to each user. The user ID and password are used to authenticate the identity of the user when the user connects (logs in) to the electronic payment system 2. Here, the credit card information includes the credit card number of the credit card used when the user pays the utility bill, the expiration date, the usage limit, and information on the credit card company that issued the credit card. Further, the customer identification number is a number assigned by the public business operator for each user, and is stored together with the name of the public business operator using the customer identification number.

  In addition, in the business operator information storage unit 26, information on the business name of each public business operator contracted with the user, the business operator ID, the customer identification number of the user contracted with each public business operator, and charge Information (business information) including (invoice issuance date, billing details information update date) and the like is stored.

  In addition, the transaction history storage unit 28 includes a transaction history between each user and the public company, that is, information indicating contents of past public charges billed by the public company, and a user's payment status for the charge. Is stored in association with the user ID assigned to each user. The information (past billing details information) indicating past utility billing contents includes, for example, the usage period, usage amount, billing date, billing amount, breakdown of billing amount, Information indicating the due date for payment is included. In addition, as the payment status of the user, for example, the date when the utility bill was paid, whether the payment was made within the due date, the payment method, and the like are stored.

  Further, the data storage unit 30 includes information (latest billing details information) indicating the latest billing contents of the public bill for each user, that is, a new bill for the public bill that the public business operator makes to the user. Information indicating billing details regarding unpaid utility bills is stored in association with the user ID assigned to each user. When the utility bill is paid based on the latest billing details information, the latest billing details information is stored in the transaction history storage unit 28 as past billing details information. Further, the data storage unit 30 stores a notification regarding payment from the credit card company, a notification for notifying the public company that the payment has been made, and the like.

  FIG. 3 is a block diagram of the public operator system 6a according to the embodiment of the present invention. As shown in FIG. 3, the public company system 6a includes a data control unit 40 that controls data processing in the public company system 6a. The data control unit 40 includes a communication control unit 42 that controls communication with the electronic settlement system 2 and a customer information storage unit 44 that stores customer information of a public company that uses the public company system 6a. Is connected. In addition, the data control unit 40 includes a billing details information storage unit 46 that stores billing details information and a data storage unit that stores a notification indicating that the utility bill has been paid, that is, payment has been made. 48 is connected.

  In the customer information storage unit 44, as customer information, information related to a user contracted with a public company using the public company system 6a, that is, the user's name, address, telephone number, contract contents, and customer identification number Etc. are stored. Further, in the billing details information storage unit 46, as billing details information, for example, information including the amount of electricity used, usage period, billing amount, payment deadline, etc. of each contracted user, that is, the electronic settlement system 2 Information similar to the latest billing details information stored in the data storage unit 30 is stored.

  The data storage unit 48 also receives various notifications transmitted from the electronic payment system 2 via the network 4 and received via the communication control unit 42, for example, notifications indicating that the utility bill has been settled. Etc. are memorized. The configurations of the public operator system 6b and the public operator system 6c are the same as the configuration of the public operator system 6a, and thus the description thereof is omitted. In addition, the public operator system 6a is used by the public operator A, the public operator system 6b is used by the public operator B, and the public operator system 6c is used by the public operator C.

  FIG. 4 is a block configuration diagram of the credit card company system 8a according to the embodiment of the present invention. As shown in FIG. 4, the credit card company system 8a includes a data control unit 50 that controls data processing in the credit card company system 8a. Connected to the data control unit 50 are a communication control unit 52 that controls communication with the electronic settlement system 2 and a data storage unit 54 that stores information about the user who issued the credit card.

  The data storage unit 54 stores information on the user who issued the credit card (credit card member information), that is, the name, address, telephone number of the user who issued the credit card, and the credit card number of the issued credit card, valid A time limit, a usage limit, a usage history, and the like are stored in association with the user ID.

  Note that the configurations of the credit card company system 8b and the credit card company system 8c are the same as the configuration of the credit card company system 8a, and thus description thereof is omitted. The credit card company system 8a is used by the credit card company A, the credit card company system 8b is used by the credit card company B, and the credit card company system 8c is used by the credit card company C.

  FIG. 5 is a block configuration diagram of the user terminal 10a according to the embodiment of the present invention. As shown in FIG. 5, the user terminal 10 a includes a data control unit 60 that controls data processing in the user terminal 10 a. Connected to the data control unit 60 is a communication control unit 62 that controls communication with the electronic settlement system 2 and an input unit 64 configured by a keyboard or the like. Further, the data control unit 60 stores the billing details list data indicating the billing details of the utility bill transmitted from the electronic settlement system 2 in a list format and the data storage unit 66 and the data storage unit 66. A display unit 68 for displaying a billing statement list and the like based on the data is connected. In addition, since the structure of the user terminal 10b and the user terminal 10c is the same structure as the structure of the user terminal 10a, description is abbreviate | omitted. Further, it is assumed that user A uses user terminal 10a, user B uses user terminal 10b, and user C uses user terminal 10c.

  Next, with reference to the flowchart of FIG. 6, the billing statement list creation process in the electronic settlement system 2 according to the embodiment of the present invention will be described.

  First, the billing details information of the utility bill for the user registered in the electronic settlement system 2 is acquired (step S10). That is, based on the user information stored in the user information storage unit 24 and the business information stored in the business information storage unit 26, the public business system of the public business with which each user has contracted. Requesting transmission of the billing details information to the user contracted by the public enterprise. For example, the billing specification information corresponding to each customer identification number of the user A, the user B, and the user C is sent to the public operator system 6a of the public operator A contracted by the user A, the user B, and the user C, respectively. Request transmission. In the public enterprise system 6a in which the transmission of the billing details information is requested, the customer identification numbers of the user A, the user B, and the user C are selected from the billing details information stored in the billing details information storage unit 46. The corresponding billing details information is extracted, and the extracted billing details information is transmitted to the electronic settlement system 2 via the communication control unit 42. In the electronic payment system 2, the billing details information transmitted from the public operator system 6a is received via the communication control unit 22, and the received billing details information is stored in the data storage unit 30 together with the customer identification number. Similarly, the utility company system 6b is requested to transmit the billing details information to the user who has contracted with the public enterprise B, the billing details information transmitted from the public enterprise system 6b is received, and together with the customer identification number The data is stored in the data storage unit 30. Further, the utility company system 6c is requested to transmit billing details information to a user who has contracted with the public operator C, receives the billing details information transmitted from the public enterprise system 6c, and receives the customer identification number. The data is stored in the data storage unit 30. The billing details information is acquired for each predetermined period, for example, for each billing details information update date included in the business information stored in the business information storage unit 26.

  Next, based on the acquired billing details information and the transaction history stored in the transaction history storage unit 28, the status of settlement for the obtained billing details information is confirmed (step S11). That is, by confirming whether or not a transaction history indicating that the utility bill has already been paid based on the acquired billing details information (latest billing details information) is stored, the payment for the latest billing details information can be made. Confirm that it has not been done (that it has not been settled). The confirmation of the settlement status is performed for each of all the billing details information acquired in step S <b> 10, and the confirmation result is stored in the data storage unit 30.

  Next, a billing details list is created based on the latest billing details information, the settlement status confirmation result, and the transaction history (step S12). That is, a billing details list including a list of unpaid fees based on the latest billing details information and confirmation results stored in the data storage unit 30 and a list of paid payments within a predetermined period based on the transaction history is created. Here, in the list of unpaid charges, only the billing details confirmed to be unsettled based on the confirmation result of the settlement status in the latest billing details information stored in the data storage unit 30 are shown. In the paid list, a period set in advance based on the transaction history stored in the transaction history storage unit 28, that is, a period arbitrarily set by the user, for example, payment for the past two months. The status is indicated. The billing details list is created for each user and stored in the data storage unit 30 in correspondence with the user ID of each user (step S13).

  FIG. 7 is a diagram showing an example of a billing specification list according to the embodiment of the present invention. As shown in FIG. 7, the billing details list shows an “unpaid fee list” indicating billing details of public fees that the user has not paid, and information related to fees that the user has paid to public utilities in the past. Includes a “paid list”. “Payment deadline”, “Billing source”, “Customer identification number”, “Description” and “Amount” items, “Payment” button, “Lump payment” button and “Reservation” button And are included. “Payment deadline” is a deadline for paying public charges set by each public company. In FIG. 7, “03.10.20” is set as the payment deadline for public company A, and public company B “03.10.31” is shown as the due date for payment. “Billing source” is a public business operator who is billing the user for a public bill. FIG. 7 shows a public business operator A and a public business operator B. Further, in FIG. 7, the customer identification number “987654321” given to the user by the public company A and the customer identification number “8765443210” given to the user by the public company B are shown as “customer identification number”. ing. Further, as “summary”, the unpaid fee for the public operator A and the unpaid fee for the public operator B are “September 2003” public fees, and the amount charged to the user of the public operator A is “5”. , 432 yen "is shown as" 6,789 yen "as the amount charged to the user of the public company B, and the total amount" 12,221 yen "is shown. A “payment” button and a “reservation” button are displayed corresponding to each billing statement, and a “collective payment” button is displayed corresponding to the total amount. The “payment” button is a button that is used when paying a fee for each billing statement, and the “reservation” button is a button that is used when setting a scheduled payment date for the billing source public enterprise. Further, the “collective payment” button is a button used when payment is made to the public operator A and the public operator B in a lump.

  Here, when the “reservation” button is designated using a pointing device such as a mouse, for example, when the “reservation” button is designated for the billing statement of the public operator A, The scheduled payment date for public utilities can be set arbitrarily. For example, since the payment deadline for public utilities is October 20, 2003, the day before the 20th of each month can be set as the scheduled payment date. When the scheduled payment date is set, the processing in the flowchart of FIG. 9 described later (the processing in steps S34 to S42) is automatically performed every day set as the scheduled payment date.

  The “paid list” includes items of “payment date”, “billing source”, “customer identification number”, “summary” and “amount”. In FIG. On the other hand, the paid public bill and the paid public bill for the public company B are displayed. In FIG. 7, it is set that the past one month is set as the payment history for the public company A by the user, and the past two months are set as the payment history for the public company B. The “paid list” is shown. Therefore, the payment for August is shown as the payment history for the public operator A, and the payments for August and July are shown as the payment history for the public enterprise B.

  Next, with reference to the flowchart of FIG. 8, processing when the user views the billing statement list created by the electronic settlement system 2 according to the embodiment of the present invention will be described. In the following, a case where the user A connects to the electronic payment system 2 using the user terminal 10a will be described as an example.

  First, the user A logs in to the electronic settlement system 2 to view the billing statement list. That is, the user ID and password of the user A are input via the input unit 64 of the user terminal 10 a, and the input user ID and password are transmitted to the electronic payment system 2 via the communication control unit 62 and the network 4.

  In the electronic payment system 2, the user ID and password of the user A transmitted from the user terminal 10a are received via the communication control unit 22 (see step S20, FIG. 8). Next, the received user ID and password of the user A are collated with the user ID and password of the user A stored in the user information storage unit 24 (step S21).

  When the user ID and password of user A received in step S20 and the user ID and password of user A stored in the user information storage unit 24 match (step S22), the data storage unit The data of the billing details list of user A stored in 30 is transmitted to the user terminal 10a (step S23). That is, the billing list data stored in association with the user ID of the user A is transmitted to the user terminal 10 a via the communication control unit 22 and the network 4.

  In the user terminal 10a, the billing details list data transmitted from the electronic settlement system 2 is received via the communication control unit 62, and the billing details list is displayed based on the received billing details list data. 68. For example, a billing details list as shown in FIG. 7 is displayed on the display unit 68, and based on the displayed list of unpaid charges, confirmation of billing amounts and payment due dates from each public company is performed.

  On the other hand, when the user ID and password of user A received in step S20 and the user ID and password of user A stored in the user information storage unit 24 do not match (step S22), “ A message (mismatch notification) notifying that the user ID or password is different is transmitted to the user terminal 10a via the communication control unit 22 and the network 4 (step S24).

  In the user terminal 10 a, the mismatch notification transmitted from the electronic payment system 2 is received via the communication control unit 62, and the received mismatch notification is displayed on the display unit 68. In this case, the user ID and password are input again via the input unit 64, and the input user ID and password are transmitted to the electronic payment system 2 again.

  Next, with reference to a flowchart of FIG. 9, a description will be given of a public bill settlement process in the electronic settlement system 2 according to the embodiment of the present invention. In the following description, a case where the user A is instructed to pay a utility bill will be described as an example.

  First, the user A designates the “payment” button or the “lump sum payment” button using a pointing device such as a mouse in the billing statement list displayed on the display unit 68 of the user terminal 10a, thereby enabling electronic settlement. The system 2 is instructed to pay the utility bill. That is, when the “payment” button or the “collective payment” button is designated by using a pointing device such as a mouse, the payment instruction information for instructing the electronic payment system 2 to pay the utility bill from the user terminal 10a. It is transmitted via the communication control unit 62 and the network 4.

  Here, when the “payment” button is designated, for example, in the billing details table shown in FIG. 7, when the “payment” button corresponding to the billing details from the public company A is designated, the user ID The payment instruction information including the public operator ID of the public operator A, the customer identification number “987654321”, and the amount of unpaid charge “5,432 yen” is transmitted to the electronic settlement system 2. In the billing details table shown in FIG. 7, when the “collective payment” button is designated, the user ID, the public operator ID of the public operator A, the customer identification number “987654321”, the amount of unpaid charges “5, The payment instruction information including “432 yen”, the public operator ID of the public operator B, the customer identification number “8765421010”, and the amount of unpaid charge “6,789 yen” is transmitted to the electronic settlement system 2. In this case, the customer identification number “987654321” and the unpaid fee amount “5,432 yen” are added to the public operator ID of the public operator A, the customer identification number “8765421010” and the unpaid fee amount “6,789”. “Yen” corresponds to the public operator ID of the public operator B and is transmitted to the electronic settlement system 2 as payment instruction information.

  In the electronic payment system 2, the payment instruction information transmitted from the user terminal 10a is received via the communication control unit 12 (see step S30, FIG. 9). That is, the user A receives the payment instruction information indicating how much the public company pays.

  Next, based on the received payment instruction information, the instructed payment content is confirmed (step S31). That is, based on the credit card information included in the user information stored in the user information storage unit 24, the utility bill can be paid to the credit card company using the credit card specified by the user. Confirm. For example, based on the user information of user A, a credit card is issued to user A to credit card company system 8a of credit card company A that issues a credit card used when user A pays a public bill. Information to confirm that the credit card is valid and the expiration date of the issued credit card. Then, by receiving the confirmation result information transmitted from the credit card company system 8a, it is confirmed that the user A can pay the utility bill using the credit card issued by the credit card company A.

  Next, data for displaying a settlement confirmation screen is transmitted to the user terminal 10a (step S32). In other words, the payment confirmation screen data is transmitted to the user terminal 10a to confirm that the user A pays the utility bill using the credit card.

  FIG. 10 shows an example of a payment confirmation screen according to the embodiment of the present invention. On the settlement confirmation screen, as shown in FIG. 10, the payment details for the public operator A, the payment details for the public operator B, the total payment amount and the number of payments are displayed. In the payment confirmation screen, a “payment” button and a “return” button are displayed in the lower display column. The “Payment” button is a button used when confirming the contents displayed on the settlement confirmation screen and making a settlement with the displayed contents, and the “Back” button is a billing details list (see FIG. 7). ) Is a button used when returning to the screen for displaying.

  In the user terminal 10a, the payment confirmation screen data transmitted from the electronic payment system 2 is received via the communication control unit 62, and the payment confirmation screen ( 10) is displayed. In the payment confirmation screen displayed on the display unit 68, when the payment content is confirmed by the user A and the “payment” button is designated using a pointing device such as a mouse, a confirmation indicating that the payment content has been confirmed. A notification is transmitted to the electronic payment system 2.

  In the electronic payment system 2, the confirmation notification transmitted from the user terminal 10a is received (step S33), and credit information requesting credit provision to the user A is transmitted to the credit card company system of the credit card company (step S34). . That is, when the payment contents are confirmed by the user A, the user A is issued to the credit card company that issues the credit card used for the payment of the public charges so that the public charges can be settled according to the confirmed payment contents. Request credit for A. For example, when the credit card company A issues a credit card to the user A, the credit information is transmitted to the credit card company system 8a.

  Here, in the case where payment instruction information instructing settlement of a plurality of billing details in a batch is received in step S30, a settlement using a credit card for each of the plurality of billing details is performed for the user A. Credit information for requesting credit is transmitted to the credit card company system 8a. That is, the credit request for the payment to the public company A and the payment to the public company B are requested.

  In the credit card company system 8a, the credit information transmitted from the electronic settlement system 2 is received via the communication control unit 52, and the credit grant to the user A is determined based on the received credit information. That is, the credit card is issued to the user A based on the credit information transmitted from the electronic settlement system 2, for example, the information related to the user ID and the settlement content and the credit card member information stored in the data storage unit 54. Whether or not the credit card of the user A can be used, whether or not the settlement amount of the user A is within the credit card usage limit, and the like are checked. It should be noted that the determination result of credit provision to the user A is transmitted to the electronic settlement system 2 as a credit result.

  In the electronic payment system 2, the credit result transmitted from the credit card company system 8a is received via the communication control unit 22 (step S35), and a procedure notification is transmitted to the user terminal 10a based on the received credit result. (Step S36). For example, a credit result indicating that the credit card company A approves the settlement of the utility bill using the credit card of the user A is received. And based on the received credit result, the procedure notification which notifies the user A that the payment of the utility bill was performed using the credit card is transmitted to the user terminal 10a. The procedure notification includes, for example, the name of a credit card used for settlement, an inquiry number related to the settlement procedure, etc., as shown in FIG.

  In the user terminal 10a, the procedure notification transmitted from the electronic payment system 2 is received via the communication control unit 62, and the received procedure notification is displayed on the display unit 68. For example, the procedure notification shown in FIG. 11 is displayed on the display unit 68, and it is confirmed that the utility bill has been settled using a credit card.

  Next, the accounting report transmitted from the credit card company system 8a is received (step S37). That is, an accounting report indicating that the payment for the utility bill using the credit card of the user A is accounted is transmitted from the credit card company system 8a, and the transmitted accounting report is received via the communication control unit 22.

  Next, based on the received report, the utility company is notified as a quick report that the utility bill has been paid (step S38). For example, when the user A is instructed to pay the public utility A and the public enterprise B to the public enterprise A, the public fee of the user A is given to the public enterprise system 6a of the public enterprise A. A preliminary report indicating that payment was made using a credit card is sent. Similarly, a bulletin indicating that the public charges of the user A have been settled using a credit card is also transmitted to the public operator system 6b of the public operator B. Note that the bulletin includes information such as the customer identification number of the user A, the amount of the utility bill, and the payment deadline. Further, for example, in the public enterprise system 6 a, the bulletin transmitted from the electronic payment system 2 via the network 4 is received via the communication control unit 42.

  Next, the electronic settlement system 2 transmits a confirmation mail to the user A (step S39). That is, an e-mail indicating that the utility bill for which payment has been instructed by the user A has been settled using a credit card is transmitted to the user terminal 10a.

  In the user terminal 10a, the confirmation mail transmitted from the electronic payment system 2 is received via the communication control unit 62, and the received confirmation mail is displayed on the display unit 68. For example, as shown in FIG. 12, a confirmation email indicating the name, inquiry number, payment details, etc. of the user A is displayed on the display unit 68 to confirm that the utility bill has been settled and its contents.

  Next, the electronic settlement system 2 receives a remittance notification from the credit card company 8a (step S40). In other words, the credit card company 8a receives a remittance notification indicating that remittance has been made to the public business operator via the communication control unit 22 based on the settlement of the public bill using the credit card of the user A.

  Next, based on the received remittance notice, a confirmation is sent to the public company indicating that the payment processing for the utility bill has been confirmed (step S41). Here, it is confirmed whether or not the received remittance notification and the content of the bulletin transmitted to the public operator system 6a of the public operator A, for example, the public operator A in step S38 are the same. That is, it is confirmed whether or not the content indicated by the report and the content indicated by the remittance notification, for example, the remittance party, the remittance partner, and the remittance amount are the same. After confirming that the contents of the recording report and the remittance notification are the same, it indicates to the public operator, for example, the public operator system 6a of the public operator A, that the settlement processing has been confirmed. Confirmation is sent.

  Next, the transaction history based on the confirmation information transmitted in step S41 is stored (step S42). That is, the transaction history between the user and the public company, for example, the user A gives the public charge for the public company A for September 2003 shown as the billing details to the public company A, 5,432 yen, The information which shows having paid by XX card lump sum payment on the day is memorize | stored in the transaction history memory | storage part 28 as transaction history. Note that the latest billing details information stored in the data storage unit 30 is stored in the transaction history storage unit 28 as past billing details information when the settlement operator is notified of the settlement confirmation information.

  According to the electronic settlement system according to the embodiment of the present invention, billing details information on public charges for the user is acquired from the provider system every predetermined period, and the billing details for each user are obtained based on the acquired billing details information. The billing details table shown in list format has been created. That is, the user can check the payment deadline, payment amount, etc. of individual utility bills such as electricity bills, gas bills and water bills at a time in the billing statement list, and pay in a lump. Accordingly, it is possible to quickly and easily settle the utility bill without individually confirming the contents of the billing details for each of the electricity bill, gas bill and water bill, and instructing the settlement for each.

  In addition, according to the electronic settlement system according to the embodiment of the present invention, it is unsettled with reference to the transaction history in the billing details information (latest billing details information) newly acquired from the public company system. A billing details list is created using only the latest billing details information confirmed to be unpaid charges. Therefore, when the user has already paid the utility bill, for example, when a bill is sent from the public company to the user and the utility bill is paid at a convenience store or the like using the bill, It is possible to appropriately prevent payment.

  Moreover, according to the electronic payment system which concerns on embodiment of this invention, a payment scheduled date can be set. In other words, when a scheduled payment date is set, processing such as confirmation of payment details for the user, request for grant of credit to the credit card company and transmission of a confirmation email to the user is automatically performed for each set scheduled payment date. Done. Therefore, the user can arbitrarily set the scheduled date of payment, and can provide high convenience to the user. In addition, it is possible to reduce the labor for creating bills and receipts for the public business operators, and appropriately reduce costs for the public business operators.

  In the electronic settlement system according to the above-described embodiment, the billing details from the public company A and the public company B are displayed as a list of unpaid charges in the billing statement list. The billing details from the person may be displayed. In this case, two or more billing details may be selected from a plurality of billing details displayed, and the selected billing details may be settled collectively.

  Further, in the electronic payment system according to the above-described embodiment, when it is instructed to make a batch payment for a plurality of billing details, a credit card company for each settlement for each billing specification instructed to pay However, it may be possible to provide credit all at once. That is, in the case where payment is made collectively to the public company A and the public company B, credit is provided for the payment using the credit card for the public company A and the payment using the credit card for the public company B. The credit card company may be requested to provide credit for the item.

  Moreover, in the electronic payment system according to the above-described embodiment, the user logs in to the electronic payment system and browses the billing details list, but every time the latest billing details information is acquired, the latest billing details are given to the user. An e-mail notifying that information has been acquired may be transmitted. In this case, a link to the billing details list may be set in the received e-mail so that the billing details list can be viewed using the set link. In addition, an e-mail notifying that the latest billing details information has been acquired is transmitted to an e-mail address arbitrarily set by the user, for example, to an e-mail address of a mobile terminal such as a mobile phone. Also good.

  Further, in the electronic settlement system according to the above-described embodiment, the case where the public fee is settled is described as an example. However, payment of a fee other than the public fee is performed via the above-described electronic settlement system. May be.

  Further, in the electronic settlement system according to the above-described embodiment, the transaction history within the predetermined period is displayed as the paid list in the billing statement list, but the transaction history other than the displayed transaction history is referred to. You may be able to do it. For example, in the portion where the paid list is displayed, a “reference” button or the like for referring to the transaction history is provided, and when the “reference” button is designated using a pointing device such as a mouse, the past The transaction history may be displayed in a list format. Moreover, you may make it display the past transaction log | history in list format for every public enterprise, for example.

  In the electronic settlement system according to the above-described embodiment, the due date, billing source, amount, etc. are shown as a list of unpaid charges in the billing details list, but other information may be displayed. Good. For example, when an electricity bill is charged, the usage amount, contract details, usage period, and breakdown of charges (basic charge, electric energy charge and consumption tax equivalent), etc. may be displayed. In addition, for example, a “detail” button used when displaying detailed information such as a usage amount is provided. When the “detail” button is designated using a pointing device such as a mouse, the information such as the usage amount is displayed. You may make it display.

1 is a block configuration diagram of an entire system including an electronic settlement system according to an embodiment of the present invention. It is a block block diagram of the electronic payment system which concerns on embodiment of this invention. It is a block block diagram of the public operator system which concerns on embodiment of this invention. It is a block block diagram of the credit card company system which concerns on embodiment of this invention. It is a block block diagram of the user terminal which concerns on embodiment of this invention. It is a flowchart for demonstrating the preparation process of the claim details list which concerns on embodiment of this invention. It is a figure which shows an example of the claim specification list which concerns on embodiment of this invention. It is a flowchart for demonstrating the browsing process of the claim specification list which concerns on embodiment of this invention. It is a flowchart for demonstrating the payment process of the utility bill which concerns on embodiment of this invention. It is a figure which shows an example of the confirmation information which concerns on embodiment of this invention. It is a figure which shows an example of the procedure notification which concerns on embodiment of this invention. It is a figure which shows an example of the confirmation mail which concerns on embodiment of this invention.

Explanation of symbols

  2 ... Electronic payment system, 4 ... Network, 6a, 6b, 6c ... Public operator system, 8a, 8b, 8c ... Credit card company system, 10a, 10b, 10c ... User terminal .

Claims (4)

User information storage means for storing user information including information indicating each business operator with whom the user has a contract and information relating to a credit card held by the user;
Operator information storage means for storing operator information relating to each of the operators with whom the user has contracted;
Based on the user information stored in the user information storage means and the company information stored in the company information storage means, from the company system of the company with which the user has a contract to the user Billing statement information acquisition means for acquiring billing statement information related to the billing of
A billing statement list creating unit that creates a billing statement list indicating the billing details for each of the businesses for the user based on the billing statement information acquired by the billing statement information acquiring unit;
Transmitting means for transmitting the billing statement list created by the billing statement list creation unit to the user terminal of the user based on a request from the user;
Payment instruction information receiving means for receiving payment instruction information transmitted from the user terminal and instructing payment for the billing details included in the billing statement list;
Based on the payment instruction information received by the payment instruction information receiving means and the user information, the credit card company system of the credit card company that issued the credit card held by the user is requested to provide credit to the user. Credit information transmitting means for transmitting credit information to be transmitted;
Payment information receiving means for receiving payment information for the operator based on a credit result to the user transmitted from the credit card company system;
An electronic settlement system comprising: a settlement notification transmission unit configured to transmit a settlement notification to the business operator system based on the settlement information received by the settlement information receiving unit. Transaction history storage means for storing a transaction history between the user and each operator;
Payment confirmation means for confirming the payment status for the billing details information acquired by the billing details information acquisition means based on the transaction history stored in the transaction history storage means;
The billing details table creating means includes:
2. The electronic settlement system according to claim 1, wherein the billing statement list is created based on a confirmation result by the settlement confirmation unit. The payment instruction information is
3. The electronic settlement system according to claim 1, further comprising an instruction for payment for at least two or more bill specifications selected from the bill specifications included in the bill specification list. A payment date storage means for storing a payment date of the user for each of the businesses;
The credit information transmitting means includes
4. The credit information for requesting credit provision to the user is transmitted to the credit card company system for each scheduled payment date stored in the scheduled payment date storage means. Electronic settlement system given in any 1 paragraph.

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