JP2006053766A - Billing receiving system, method, and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform reception by the other paying method when reception of billing by a certain paying method cannot be performed. <P>SOLUTION: The billing receiving system has a reception request means for outputting request data to require the reception. The billing receiving system comprises a storage means for storing user information including identification information of a user, and a paying method, and priority of the paying method, a billing information acquisition means for acquiring billing information including the user's identification information and information on the amount billed. The system also comprises a user information acquisition means for acquiring the user information from the storage means with the identification information of the user indicated by the billing information. The system also comprises an output command means for commanding the reception request means to output the request data including the user's identification information and information on the amount billed indicated by the billing information. The system also comprises a re-output command means for commanding the reception request means to output the request data to an output destination according to a paying method of a next priority when result data indicating non-receivability is received. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a bill storage system and method, and a computer program.

In recent years, in storage companies, the storage company itself does not carry out the accounts receivable collection work, but uses storage service services that store the storage company's billing data and perform billing actions by various payment methods.
For example, FIG. 14 shows an example in which accounts receivable are collected by bank transfer of a financial institution. A storage agent company acting on behalf of billing creates account transfer request data based on user information, account transfer information, and the like provided by the storage company, and delivers it to a financial institution. The storage company acquires the account transfer result based on the account transfer result data received from the financial institution by the storage agency company. When the storage agency service is not used, the storage company itself creates account transfer request data, transfers it to the financial institution, and directly receives the result data of the account transfer.

On the other hand, Non-Patent Document 1 discloses a service that repeats account transfer reprocessing when transfer is impossible in some financial institutions. Further, Non-Patent Document 2 and Non-Patent Document 3 disclose services that collectively manage various price collection methods, create bills and billing data, collect price collection result data, and delete them. . Non-Patent Document 4 discloses an outsource service such as issuance of bills / payment guides for companies and payment work.
UFJ Bank, “Continuous retransfer service”, [online], [Search June 25, 2004], Internet <URL: http://www.ufjbank.co.jp/houjin/jimushikin/daikinkaishuu/renzoku_saifuri/index .html> Fuji Research Institute, Ltd., “One Stop Collection”, [online], [Search June 25, 2004], Internet <URL: http://www.fuji-ric.co.jp/kessai/onstop/ index.html> SMBC Finance Service Co., Ltd., “PAYWEB”, [online], [Search June 25, 2004], Internet <URL: http://www.smbc-fs.co.jp/service/payment/payweb/> Diamond Factor Co., Ltd., “Financial Net”, [online], [Search June 25, 2004], Internet <URL: http://www.financialnet.jp/service/index.html>

Conventionally, even in the case of a storage agent service that performs a billing act using various payment methods, in the collection of the receivables of the storage company, the storage is performed by a single payment method determined in advance by a contract with the user. Then, it is determined whether or not the payment method is unpaid, and if it is not paid, the user is recharged.
For example, when collecting accounts receivable by bank transfer of a financial institution, an account of a financial institution that is contracted between a storage company, a user, and a financial institution is used. However, this is limited to the transfer to one withdrawal account, and when the account has a shortage of balance, the account transfer is not possible and there are the following problems.
(1) Even if there is enough balance in another account, the balance cannot be used. Also, other payment methods cannot be used.
(2) As a result of the inability to transfer, the following administrative and economic burdens are generated on the storage company side and user side. The administrative burden of the storage company includes notification of non-transfer to the user, request for payment to the debit account for re-transfer to the user, request for payment by the method specified by the user, and late payment to the user Fee calculation and communication. In addition, the administrative burden and economic burden on the user include contact handling from the storage company, payment to the withdrawal account for re-transfer, payment by the method specified by the storage company, and additional charge for late charges.

As mentioned above, even if the customer supports various payment methods and the user is willing to pay, the storage company will choose the most appropriate payment method desired by the user at the timing of storage. Could not be recognized and provided. Accordingly, inability to settle each other may occur, narrowing the opportunity for normal business transactions to complete. As a result, the storage company may have lost many business opportunities, and the user may not be able to receive the service.
However, Non-Patent Documents 1 to 4 described above do not solve the above-described problems.

  The present invention has been made in view of such circumstances, and its object is to provide a bill storage system that can store bills by other payment methods when bills cannot be stored by a certain payment method. And a method, and a computer program.

  In order to achieve the above object, the present invention relates to a bill storage system comprising storage request means for requesting storage by outputting request data including user identification information and billing amount information. Billing information for acquiring information, a plurality of payment methods, and storage means for storing user information including priority information of the payment method, user identification information, and billing information including billing amount information An acquisition means, a user information acquisition means for acquiring user information from the storage means by the user identification information indicated by the billing information, and a payment method with the highest priority indicated by the acquired user information Output instruction means for instructing the storage request means to output request data including the user identification information and the billing amount information indicated by the billing information at an output destination according to Re-output instruction means for instructing the storage request means to output the request data to an output destination corresponding to a payment method of the next priority when receiving result data indicating that the request could not be stored. And a bill storage system.

  Further, the present invention provides a billing storage system comprising a storage requesting means for requesting storage by outputting request data including user identification information and billing amount information. And storage means for storing user information including priority information of the payment method, billing information acquisition means for acquiring billing information including user identification information and billing amount information, and the billing According to the user identification information indicated by the information, the user information acquisition means for acquiring user information from the storage means, and the output destination according to the highest priority payment method indicated by the acquired user information Output instruction means for instructing the storage request means to output request data including the identification information of the user and the billing amount information indicated by the billing information, and result data corresponding to the output request data When the total amount of storage indicated by the acquired result data is smaller than the amount indicated by the billing information, the user identification information and the user's identification information are output to the output destination corresponding to the next priority payment method. And a re-output instruction means for instructing the storage request means to output request data including information on a bill amount indicating the remaining amount.

  Further, the present invention is the bill storage system described above, wherein the user information further includes information on a payment limit amount of the payment method, and the output instruction means responds to the payment method with the highest priority. When the payment limit amount is less than the charge amount indicated by the charge information, the storage request means is instructed to output request data including the user identification information and the charge amount information indicating the payment limit amount. The re-output instruction means includes, when the payment limit amount corresponding to the payment method of the next priority is less than the remaining amount, identification information of the user and information on a bill amount indicating the payment limit amount The storage requesting means is instructed to output request data.

  Further, the present invention is the above bill storage system, wherein the user information further includes information on a payment ratio of the payment method, and the output instruction means includes the user identification information and the highest priority. Instructing the storage request means to output request data including a payment ratio of a high-payment method and a charge amount calculated by multiplying the charge amount indicated by the charge information, and the re-output instruction means And storing the request data including the identification information of the user, the payment ratio of the payment method of the next priority, and the information of the bill amount calculated by multiplying the bill amount indicated by the bill information. The requesting means is instructed.

  Further, the present invention provides the above bill storage system, which receives the user identification information, the payment method, and the change information including the priority information after the change of the payment method. It further comprises payment method management means for rewriting the priority information of the payment method of the user information specified by the identification information to the priority information after the change indicated by the change information.

  The present invention is the above bill storage system, wherein the request data further includes information on a transfer source account and information on a transfer destination account.

  Further, the present invention is a bill storage method used in a bill storage system, a user identification information, a billing information acquisition process for acquiring billing information including billing amount information, a user identification information, User information acquisition process for acquiring user information from the storage means for storing a plurality of payment methods and user information including priority information of the payment methods by the user identification information indicated by the billing information And request data including the identification information of the user and the information of the bill amount indicated by the billing information at an output destination corresponding to the highest priority payment method indicated by the acquired user information. When receiving the output process for requesting storage and the result data indicating that it could not be stored in response to the output request data, the request data is output to the output destination corresponding to the payment method of the next priority. Output A re-output process to request a billing storage method characterized by comprising the.

  Further, the present invention is a bill storage method used in a bill storage system, a user identification information, a billing information acquisition process for acquiring billing information including billing amount information, a user identification information, User information acquisition process for acquiring user information from the storage means for storing a plurality of payment methods and user information including priority information of the payment methods by the user identification information indicated by the billing information And request data including the identification information of the user and the information of the bill amount indicated by the billing information at an output destination corresponding to the highest priority payment method indicated by the acquired user information. If the result process is acquired in response to the output process requesting storage and the output request data, and the total storage amount indicated by the already acquired result data is less than the charge amount indicated by the billing information, of A re-output process for requesting storage by outputting request data including identification information of the user and information on a billing amount indicating the remaining amount to an output destination corresponding to a previous payment method. The bill storage method.

  The present invention is the bill storage method described above, wherein the user information further includes information on a payment limit amount of the payment method, and in the output process, according to the payment method with the highest priority. When the payment limit amount is smaller than the charge amount indicated by the charge information, request data including the user identification information and the charge amount information indicating the payment limit amount is output, and in the re-output process, When the payment limit amount corresponding to the payment method of the next priority is less than the remaining amount, the request data including the identification information of the user and the information of the bill amount indicating the payment limit amount is output. Features.

  Further, the present invention is the above bill storage method, wherein the user information further includes information on a payment ratio of the payment method, and in the output process, the identification information of the user and the highest priority. Request data including a payment ratio of a high-payment method and a charge amount calculated by multiplying the charge amount indicated by the charge information, and in the re-output process, the user identification information and Request data including a payment ratio of the payment method of the next priority and a charge amount calculated by multiplying the charge amount indicated by the charge information is output.

  Further, the present invention is the above bill storage method, which receives the user identification information, the payment method, and the change information including the priority information after the change of the payment method. The method includes a payment method management step of rewriting the priority information of the payment method of the user information specified by the identification information to the priority information after the change indicated by the change information.

  Further, the present invention is a computer program used for a bill storage system, a billing information obtaining step for obtaining billing information including user identification information and billing amount information, a plurality of user identification information, And a user information acquisition step of acquiring user information from the storage means for storing user information including priority information of the payment method according to the user identification information indicated by the billing information; The request data including the identification information of the user and the information on the amount of charge indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. Output instruction step for instructing to output and the result data indicating that it could not be stored in correspondence with the output request data, the output destination corresponding to the payment method of the next priority is Causing the computer to execute a re-output instruction step for instructing to output the request data, and a storage request step for requesting storage by outputting the request data instructed to output in the output instruction step or the re-output instruction step This is a computer program characterized by the above.

  Further, the present invention is a computer program used for a bill storage system, a billing information obtaining step for obtaining billing information including user identification information and billing amount information, a plurality of user identification information, And a user information acquisition step of acquiring user information from the storage means for storing user information including priority information of the payment method according to the user identification information indicated by the billing information; The request data including the identification information of the user and the information on the amount of charge indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. An output instruction step for instructing to obtain the result data corresponding to the output request data, and the sum of the storage amount indicated by the already obtained result data is indicated in the billing information. A re-output instruction step for instructing to output request data including the identification information of the user and the information of the billing amount indicating the remaining amount to an output destination according to a payment method of the next priority when the amount is less than And a storage requesting step for requesting storage by outputting the request data instructed to be output in the output instruction step or the re-output instruction step.

  The present invention is the above-described computer program, wherein the user information further includes information on a payment limit amount of the payment method, and in the output instruction step, according to the payment method with the highest priority. When the payment limit amount is less than the charge amount indicated in the charge information, the request data including the identification information of the user and the charge amount information indicating the payment limit amount is output, and the re-output In the instructing step, when the payment limit amount corresponding to the payment method of the next priority is less than the remaining amount, request data including the identification information of the user and billing information indicating the payment limit amount is output. It is characterized by instructing to do.

  Further, the present invention is the above-described computer program, wherein the user information further includes information on a payment ratio of the payment method, and in the output instruction step, the user identification information and the highest priority are provided. Instructing to output request data including a payment ratio of a high-payment method and a charge amount calculated by multiplying the charge amount indicated by the charge information, and in the re-output instruction step, the user And request data including the payment information calculated by multiplying the payment amount of the payment method of the next priority and the charge amount indicated by the charge information is output. And

  Further, the present invention is a computer program as described above, which receives user identification information, payment method, and change information including priority information after change of the payment method, and identifies the user. A payment method management step of rewriting the priority information of the payment method of the user information specified by the information with the priority information after the change indicated by the change information, To do.

According to the above invention, the storage company charges by the payment method according to the priority order set in advance, and when it is not stored, it can be charged by another payment method, so that the rate at which settlement is impossible becomes low. As a result, it is possible to save labor for billing work, storage work, and collection work that have been performed by the storage companies. In addition, since the user can make a payment with a payment method convenient for him / her, it is possible to prevent a disadvantage caused by unintentional inability to pay.
Further, not only the storage company but also the user can set and change the priority order of payment methods at any timing, so that the convenience of the user can be improved.

Embodiments of the present invention will be described below with reference to the drawings.
<First embodiment>
FIG. 1 is a diagram showing an overall configuration of a bill storage system according to a first embodiment of the present invention.
The bill storage system connects a storage company information management device 100, a storage agent billing storage management device 200, a user terminal device 300, and a payment information management device 400 of various storage organizations via a network N. Do it. Examples of various storage institutions include financial institutions such as banks / post offices, convenience stores (hereinafter referred to as “CVS”), credit companies, and the like. As the payment information management device 400, the financial institution has an account information management device 400a that manages account information, the CVS has an accounting information management device 400b that manages accounting information at the cash register of each store, and the credit company has information on card payments. Possesses a payment information management device 400c. The network N is constituted by a public network such as a public telephone network or the Internet, or a private network such as a LAN (Local Area Network) or a dedicated line.

Here, the storage company refers to a company that collects the billed amount from the user by a payment method such as account transfer or automatic withdrawal at a financial institution, payment at a CVS or post office, or card settlement by credit card.
A storage agent company refers to a company that provides a storage agent service on behalf of a storage company.
A user refers to a person or organization whose billing amount is collected by a storage company. The user pays the amount charged by the storage company by the payment method selected by the user. The user uses a browser to inquire about payment methods and change the order of use of payment methods via the web (WEB).
A storage institution is an institution that receives payment of a charge from a user. For example, in the case of a bank, the amount transferred from a user's withdrawal account is withdrawn and transferred to a designated account of a storage company.

  The terminal device 300 is, for example, a personal computer, a PDA (Personal Digital Assistants: information portable terminal), a cellular phone terminal, or the like. The terminal device 300 includes a browser for displaying the screen information received from the bill storage management device 200 on a display and transmitting information input by a key, button, mouse, or the like to the bill storage management device 200.

  FIG. 2 is a block diagram showing an expanded function of the internal configuration of the bill storage management apparatus 200. Only functional blocks related to the present invention are extracted and shown. The bill storage management apparatus 200 can be composed of one or a plurality of servers, and includes control means 210, data input / output means 220, database management means 230 (hereinafter, “database” is described as “DB”), user information. DB 241, billing information DB 242, request information DB 243, result information DB 244, payment method management means 250, and storage management means 260 (storage request means, billing information acquisition means, user information acquisition means, output instruction means, re-output instruction means ).

The control unit 210 includes a central processing unit (CPU) and various memories, and controls each unit, temporarily stores data, transfers data, and the like.
The data input / output unit 220 transmits and receives data via the network N. Alternatively, reading and writing of information in a recording medium such as a magnetic tape may be performed. Specifically, an MT (magnetic tape) device, a farm banking server, or the like can be used.
The DB management unit 230 reads and writes information in the user information DB 241, billing information DB 242, request information DB 243, and result information DB 244.

The user information DB 241 stores storage company information indicating information about the storage company and user information indicating information about the user.
The storage company information includes information such as a company ID that uniquely identifies the storage company, a company name, a consignor code, and a transfer destination account (bank number, store number, subject, account number).
The user information includes information such as a company ID, a user ID that uniquely identifies the user, a user name, a personal identification number, an address, one or more payment methods, and the priority of each payment method. The payment method includes information such as a bank number, a store number, a subject, an account number, and an account name of a withdrawal account in the case of account transfer and automatic withdrawal, and a credit card number in the case of card settlement.

The billing information DB 242 stores billing information indicating information related to billing to the user. The billing information includes information such as a company ID, a user ID, a billing amount, a payment date, and a billing number. The payment date information is, for example, information on the withdrawal date (first time, second time,...) In the case of account transfer or automatic withdrawal, and information on the due date in the case of payment at CVS or a post office.
The request information DB 243 accumulates request data for requesting storage from the storage organization. Request data includes payment date, billing amount, user ID, consignor code in the case of account transfer, transfer destination account and withdrawal account, credit card number in the case of card settlement, billing in the case of payment at CVS or post office Includes information such as numbers.
The result information DB 244 accumulates result data indicating the storage result in the storage organization. Result data includes user ID, billing amount, storage amount, storage date (first time, second time, ...), consignor code in the case of account transfer, transfer destination account and withdrawal account, credit card number in the case of card payment , Information such as a billing number in the case of payment at a CVS or post office, a result code (first time, second time,...) Indicating a transfer result or a credit examination result. Information on the date of storage is, for example, the date of withdrawal in the case of direct debit or automatic withdrawal, the date of credit examination in the case of card settlement, and the date of payment in the case of payment at CVS or post office. It is.

The payment method management unit 250 receives a request from the terminal device 300, outputs a payment method reference result indicated by the user information, receives a request for changing the priority of the payment method, and uses it to the DB management unit 230. To write to the user information. Specifically, it can be configured by a firewall server, a WWW server, a web server, or the like.
The payment method management unit 250 includes a web input / output unit 251. The web input / output unit 251 generates screen information to be displayed on the browser and outputs the screen information to the terminal device 300.

  The storage management means 260 determines a payment method according to the priority of the payment method indicated by the user information, and generates and outputs request data for requesting storage of the charge amount indicated by the billing information. When the result data indicating the storage result is received and it is recognized that the storage was not possible, the next payment method is determined, and request data is generated and output. Further, the DB management unit 230 is instructed to store the request data in the request information DB 243 and the result data in the result information DB 244. Further, the storage result information is generated and transferred to the information management apparatus 100. The storage result information includes company ID, user ID, billing amount, storage amount, storage date (first time, second time,...), Storage result (first time, second time,...), Account transfer and automatic debit. Information such as a debit account, a credit card number in the case of card settlement, a billing number in the case of payment at CVS or a post office, and the like are included.

  FIG. 3 is a block diagram showing the function of the internal configuration of the information management apparatus 100. Only the functional blocks related to the present invention are extracted and shown. The information management apparatus 100 includes a control unit 110, a data input / output unit 120, a DB management unit 130, a user information DB 141, a billing information DB 142, and a storage result information DB 143.

The control unit 110 and the data input / output unit 120 have the same functions as the control unit 210 and the data input / output unit 220 of the bill storage management device 200, respectively.
The DB management unit 130 reads and writes information in the user information DB 141, the billing information DB 142, and the storage result information DB 143.
The user information DB 141 stores storage company information and user information, the billing information DB 142 stores billing information, and the storage result information DB 143 stores storage result information.

FIG. 4 is a block diagram showing an expanded function of the internal configuration of the account information management apparatus 400a. Only functional blocks related to the present invention are extracted and shown. The account information management device 400a includes a control unit 410, a data input / output unit 420, a DB management unit 430, and an account management information DB 440.
The control unit 410 and the data input / output unit 420 have the same functions as the control unit 210 and the data input / output unit 220 of the bill storage management device 200, respectively. The DB management unit 430 reads and writes information in the account management information DB 440. Account management information DB440 memorize | stores the account management information which shows the information regarding an account, such as transfer, payment, payment, withdrawal, for example.
The accounting information management device 400b and the settlement information management device 400c have the same configuration as the account information management device 400a. However, instead of the account management information DB 440, the accounting information management device 400b uses the accounting at the cash register of each store of the CVS. The payment information management device 400c includes a DB for storing payment information indicating information related to card payment.

Next, the operation of the bill storage system will be described.
Here, an example in which the user has selected two payment methods and both of these two payment methods are account transfers in a financial institution will be described. Of these payment methods, a payment method with a high priority is account transfer from the first account of the user, and a payment method with a low priority is account transfer from the second account of the user.

FIG. 5 is a diagram illustrating a procedure for inquiring and changing a payment method.
First, at the time of a three-party contract for payment at a storage company, user, and storage organization, the user information of the contracted user is registered in the user information DB 141 of the information management apparatus 100 of the storage company. The DB management unit 130 of the information management apparatus 100 reads the storage company information and the registered user information from the user information DB 141 and outputs them from the data input / output unit 120. When receiving the storage company information and the user information via the data input / output unit 220, the DB management unit 230 of the bill storage management device 200 stores it in the user information DB 241 (step S11).

  On the other hand, the user inputs the URI (Universal Resource Identifier) of the billing storage management device 200 into the browser displayed on the terminal device 300 to access the billing storage management device 200. The web input / output unit 251 of the bill storage management apparatus 200 generates ID input screen information for inputting the user ID and the password, and returns the ID input screen information to the terminal apparatus 300. The user inputs his / her user ID and password in the ID input screen information displayed by the browser of the terminal device 300 and presses a button for requesting a withdrawal account inquiry. The payment method management means 250 of the bill storage management device 200 receives the user ID from the terminal device 300 and accepts a request for a withdrawal account inquiry (step S12).

  The payment method management means 250 acquires the user information identified by the received user ID from the user information DB 241 by instructing the DB management means 230. The user is authenticated when the received personal identification number matches the personal identification number in the user information. The web input / output unit 251 displays a list of payment methods and priority information indicated in the acquired user information, and generates information reference screen information including a button for changing the priority. Return to the terminal device 300 (step S13). Here, on the information reference screen, the user name in the user information, the current first and second accounts, the company name read from the stored company information corresponding to the company ID in the user information, etc. are displayed. The

  The user confirms the currently registered payment method and its priority on the information reference screen displayed by the browser of the terminal device 300. When the user wants to change the priority of the payment method, the user inputs the change of priority on the information reference screen and presses the change button. Here, the current first account and the second account are changed. The payment method management means 250 of the bill storage management device 200 receives change information indicating the priority of each changed payment method from the terminal device 300, and accepts a request for a withdrawal account change (step S14).

The payment method management means 250 rewrites the priority of the payment method in the user information to the priority indicated by the change information received from the terminal device 300 in step S14 by instructing the DB management means 230. As a result, the first account and the second account are switched. The web input / output unit 251 generates change result display screen information for displaying the change result based on the changed user information, and returns it to the terminal device 300 (step S15). This change result display screen displays a change result indicating whether or not the change is successful, a user name in the user information, a first account after the change, a second account after the change, a company name, and the like. .
The user confirms whether or not the priority of the payment method has been successfully changed on the change result display screen displayed by the browser of the terminal device 300.

FIG. 6 is a diagram showing a bill storing procedure.
When the user is charged or when the charge amount of the user is changed, the charge information in the charge information DB 142 of the information management apparatus 100 is registered or changed. Then, the DB management unit 130 of the information management device 100 acquires the billing information registered or changed from the billing information DB 142 and outputs it to the billing storage management device 200. The DB management means 230 of the bill storage management apparatus 200 registers the received billing information in the billing information DB 242 (step S21).

  The storage management unit 260 of the charge storage management device 200 reads the billing information registered from the billing information DB 242 via the DB management unit 230. Further, the user information set with the user ID indicated by the billing information and the storage company information set with the company ID indicated by the billing information are read from the user information DB 241. And the payment method of the highest priority shown by user information, ie, the request data of the account transfer using a 1st account, is produced (step S22). For the request data, specifically, the deposit account transfer (request details) format data established by the Zenginkyo is used, and the withdrawal date (transfer) indicated by the consignor code, transfer destination account, and billing information indicated in the storage company information Date), billing amount, user ID, first account (withdrawal account) indicated in the user information, etc. are set. The storage management unit 260 registers the generated request data in the request information DB 243 and outputs the request data to the account information management device 400a via the data input / output unit 220 (step S23).

  When the DB management unit 430 of the account information management device 400a receives the request data from the bill storage management device 200 via the data input / output unit 420, it stores it in the account management information DB 440. Thereby, in the financial institution, the account transfer from the first account of the user to the account of the storage company is performed based on the request data (step S24). The account information management device 400a returns result data indicating the result of the account transfer to the bill storage management device 200 (step S25). As the result data, specifically, deposit account transfer (result details) format data established by the Zenginkyo is used, and shows the consignor code, transfer date, transfer destination account, withdrawal account, billing amount, user ID, and transfer result. Contains information such as result code.

  The DB management means 230 of the bill storage management device 200 writes the result data received from the account information management device 400a into the result information DB 244. Then, the storage management unit 260 determines whether or not the account transfer is successful based on the result code in the result data (step S26). If the result code indicates that the transfer is impossible such as a shortage of balance or no account, the storage management unit 260 creates request data for the second account (step S27). That is, the storage management unit 260 reads out billing information that holds the same information as the entrustor code, user ID, and billing amount in the received result data from the billing information DB 242. Furthermore, the user information in which the user ID indicated in the billing information is set is read from the user information DB 241. Then, a payment method with the next highest priority shown in the user information, here, request data for account transfer using the second account is created. The request data includes the consignor code indicated in the storage company information, the transfer destination account, the withdrawal date (transfer date) indicated in the billing information, the billing amount, the user ID, and the second account indicated in the user information ( Information such as withdrawal account) is set. The storage management unit 260 registers the generated request data in the request information DB 243, and outputs the request data to the account information management device 400a via the data input / output unit 220 (step S28).

  When the DB management unit 430 of the account information management device 400a receives the request data from the bill storage management device 200 via the data input / output unit 420, it stores it in the account management information DB 440. Thereby, in the financial institution, the account transfer from the second account of the user to the account of the storage company is performed based on the request data (step S29). The account information management device 400a returns result data indicating the result of the account transfer to the bill storage management device 200 (step S30).

  The DB management means 230 of the bill storage management device 200 writes the result data received from the account information management device 400a into the result information DB 244. The storage management unit 260 reads the result data in the first account and the second account from the result information DB 244 by using the company ID and the user ID in the received result data via the DB management unit 230. And based on these result data, company ID, user ID, billing amount, storage amount, first account and second account, first account and second account withdrawal date (first and second) and withdrawal The storage result information including the information on the result (first time and second time) is generated (step S31). The storage management means 260 delivers storage result information to the information management apparatus 100 (step S32). The DB management unit 130 of the information management apparatus 100 writes the received storage result information into the storage result information DB 143.

  If it is determined in step S26 that the result code indicates normal termination and the account transfer is successful, the storage manager 260 subsequently creates storage result information in step S31. That is, the storage result information including the company ID, the user ID, the billing amount, the first account, the withdrawal date of the first account and the withdrawal result information indicated by the received result data is generated.

According to the above procedure, when transfer failure in the first account occurs, transfer in the second account can be performed. Thereby, it becomes possible to reduce the probability that account transfer becomes impossible, and it is possible to reduce the administrative burden on the storage company due to the inability to transfer account. In addition, it is possible to reduce the administrative burden and the economic burden on the user. For example, if the account transfer in one fixed account is repeated continuously for a certain period of time, the user needs to make a payment to the fixed account, but in the above embodiment, There is no need to transfer funds between the accounts because the account transfer is done automatically. Moreover, the user may hold | maintain the 1st account and the 2nd account in another financial institution.
The billing storage management device 200 has a function of managing the information on the withdrawal account obtained from the storage company, including the order of use, and can be used to inquire about the withdrawal account and change the order of use via the web from the user. Can accept. Accordingly, the user can appropriately change the usage order of the first account and the second account, and the user who manages the balance can designate an account that does not have a shortage of balance as the first account in advance.

FIG. 7 is a diagram showing a detailed operation procedure of the bill storage system.
First, the DB management means 230 of the bill storage management apparatus 200 receives customer information and storage company information from the storage company information management apparatus 100 and stores them in the user information DB 241 (step S1010). Further, the bill storage management device 200 receives confirmation and setting of the priority order of payment methods from the user terminal device 300, and updates the user information (step S1020).

On the other hand, the bill storage management device 200 receives billing information from the information management device 100 and stores it in the billing information DB 242 (step S1030). Then, the storage management means 260 acquires user information from the user information DB 241 with the user ID indicated by the received billing information. Then, pay attention to the highest priority payment method indicated in the acquired user information.
The storage management means 260 determines the payment method with the priority that is currently focused on (step S1050). If the payment method is account transfer or automatic debit, request data is created from the user information, storage company information, and billing information and output to the account information management apparatus 400a of the financial institution (step S1060). If the billing amount is stored in the financial institution by account transfer (step S1070), the account information management device 400a transmits the result data to the billing storage management device 200.

  In step S1050, if the payment method is card settlement, request data for credit examination (hereinafter referred to as “credit request data”) is created from the user information, storage company information, and billing information, and credited. The information is output to the company payment information management apparatus 400c (step S1080). The credit request data includes information such as a consignor code, a credit card number, a payment date, a charge amount, and a user ID. When receiving the credit request data, the accounting information management apparatus 400b performs credit examination and transmits the result data to the bill storage management apparatus 200 (step S1090).

  If the payment method is CVS or post office payment in step S1050, an invoice is printed based on the user information, storage company information, and billing information (step S1100). Information such as a company ID, a company name, a user ID, a user name, an address, a consignor code, a payment date, a billing amount, and a billing number is printed on the bill. The storage agent company sends the printed invoice to the user. When the user receives the invoice, the user pays the invoice at the CVS or post office (step S1120). As a result, information indicating the storage result is registered in the CVS accounting information management device 400b or the account information management device 400a (step S1070). The accounting information management device 400b or the account information management device 400a transmits the storage result data to the bill storage management device 200.

The storage management means 260 of the bill storage management apparatus 200 receives the storage or credit examination result data from the payment information management apparatus 400 (step S1130). The storage management unit 260 determines whether the storage or credit examination has been normally completed based on the result code in the received result data (step S1140). If it is not a normal end, it is determined whether or not re-billing is possible (step S1150). This is performed depending on whether or not a payment method having a priority level next to the priority level currently focused on is registered in the user information. Alternatively, information on the number of recharges indicating the upper limit of the number of recharges is registered in the user information in advance, and determination is made based on whether or not the number of reclaims has been exceeded. If it is determined that re-billing is possible, a new attention is paid to the payment method of the next priority of the priority currently being noted, and the processing from the determination of the payment method in step S1050 is repeated again.
If it is determined in step S1140 that the storage or credit examination has been normally completed, or if it is determined in step S1150 that re-billing cannot be performed, storage result information is generated and sent to the information management apparatus 100, The storage process is completed (step S1160).

FIG. 8 is a diagram showing a screen image of a payment method information reference screen.
In the figure, on the information reference screen, the user ID (customer information) in the user information, the number of recharges, the payment method, the priority of the payment method, the storage company name, etc., the priority change button, the change -A button for instructing confirmation is displayed.

In the above embodiment, the user information, storage company information, and billing information that the billing storage management device 200 acquires from the information management device 100, the result data that is acquired from the payment information management device 400, and the bill storage management The request data provided by the apparatus 200 to the payment information management apparatus 400 is transmitted / received via the network N, but may be transferred by a recording medium such as a magnetic tape.
Further, in the above, the payment method management means 250 of the bill storage management device 200 accepts inquiries and changes using the web from the information management device 100, but using a voice recognition device or the like, such as a push phone signal or voice Voice inquiries and changes may be accepted.

<Second Embodiment>
In the first embodiment described above, the case where the entire amount charged is stored from any one of the payment methods has been described. However, it is also possible to store the charged amount separately from a plurality of payment methods.
In this case, the user information further includes information on payment conditions for each payment method. For example, the payment conditions can be specified as the maximum amount of payment such as “100,000 yen” for the first account, “50,000 yen” for the second account, 50% for account transfer, 50% for card payment, etc. Or specify. In addition, when the total amount cannot be stored from a certain payment method, a setting may be made such that the storable amount is stored and the remaining amount is stored from the payment method of the next priority. Further, the user information may include information on the number of recharges indicating the upper limit of the number of recharges.

FIG. 9 is a diagram showing a detailed procedure of the bill storage system when the billing amount is divided and stored from a plurality of payment methods.
The procedure from step S2010 to step S2030 for registering user information, storage company information, and billing information in the billing storage management device 200 is the same as the procedure from step S1010 to step S1030 in FIG.

In step S2040, the storage management unit 260 of the billing storage management apparatus 200 acquires user information from the user information DB 241 using the user ID indicated by the billing information received in step S2030. Then, pay attention to the highest priority payment method indicated in the acquired user information. Subsequently, the storage management means 260 generates billing data by copying the billing information, and further determines the billing amount in this billing data based on the payment conditions corresponding to the payment method of the priority currently being noted. The calculated charge amount is changed (step S2040).
For example, when the billing amount indicated in the billing information is larger than the upper limit amount corresponding to the payment method of the priority currently being noted, the billing amount in the billing data is changed to this upper limit amount. Also, if the payment terms are indicated as a percentage, the charge amount in the billing data is multiplied by the charge amount indicated in the billing information by the percentage corresponding to the priority payment method you are currently interested in. Change to the amount obtained. In addition, when the payment condition indicates that the remaining amount is stored from the payment method of the next priority when the total amount cannot be stored, the charged amount in the charging data remains the charged amount in the charging information. .

  The operations from step S2050 to step S2130 for generating the request data or printing the invoice according to the payment method and receiving the storage or credit result data are the same as the procedure from step S1050 to step S1130 in FIG. It is the same. However, the billing data generated in step S2040 is used instead of the billing information for generating the request data and printing the bill.

  The storage management means 260 of the bill storage management device 200 determines whether or not the stored amount, which is the sum of the storage amounts indicated by the result data received so far, matches the charge amount indicated by the billing information. (Step S2140). If the stored amount does not match the billed amount, it is determined whether re-billing is possible (step S2150). This is because, in the user information, whether or not the payment method of the next priority of the priority currently focused on is registered, or the number of re-billing is shown in the user information. Depending on whether the number of charges has been reached. When it is determined that re-billing is possible, attention is paid to the payment method with the priority next to the priority that is currently focused, and the processing from the creation of the billing data in step S2040 is repeated again.

However, in step S2040, the billing amount in the billing data is set as follows. That is, the storage management means 260 calculates the remaining amount obtained by subtracting the stored amount so far from the charged amount indicated in the charging information. Then, when the calculated remaining amount is larger than the upper limit amount corresponding to the paying method of the newly noticed priority, the charged amount in the billing data is changed to this upper limit amount, and when it is smaller, the remaining amount is changed. Also, if the payment terms are indicated as a percentage, the charge amount in the billing data is changed to the charge amount indicated in the billing information multiplied by the proportion corresponding to the newly paid priority payment method. To do. Further, when the payment condition indicates that the remaining amount is stored from the payment method of the next priority when the entire amount cannot be stored, the remaining amount is written in the charged amount in the charging data.
If it is determined in step S2140 that the payment amount matches the billing amount, or if it is determined in step S2150 that re-billing is not possible, storage result information is generated and the information management apparatus 100 And the storage process is completed (step S2160).

<Third embodiment>
As another embodiment, there is a model in which a storage company itself creates request data without going through a storage agency company. In this case, the storage company includes the information management apparatus 100 described above including the request information DB 243, result information DB 244, payment method management means 250, and storage management means 260 of the bill storage management apparatus 200. 500 is held.

FIG. 10 is a block diagram showing an expanded function of the internal configuration of the information management apparatus 500 owned by the storage company in a model in which the storage company itself creates request data.
The control means 510, data input / output means 520, user information DB 541, billing information DB 542, and storage result information DB 545 are the control means 110, data input / output means 120, user information DB 141, billing information DB 142, information management apparatus 100, respectively. This is the same as the storage result information DB 143.
The request information DB 543, the result information DB 544, the payment method management unit 550, the web input / output unit 551 provided in the payment method management unit 550, and the storage management unit 560 are respectively the request information DB 243 and the result information DB 244 of the bill storage management device 200. This is the same as the payment method management means 250, the web input / output means 251, and the storage management means 260.
The DB management unit 530 reads and writes information in the user information DB 541, the billing information DB 542, the request information DB 543, the result information DB 544, and the storage result information DB 545.

FIG. 11 is a diagram showing an operation procedure of the bill storage system when the storage company itself creates request data without going through the storage agent company. Here, it is assumed that the user has selected two payment methods, and both of these two payment methods are account transfers in a financial institution.
The payment method management means 550 of the information management device 500 accepts the inquiry and change of the first account and the second account for withdrawal from the user terminal device 300 via the web (step S41). Accordingly, the first account and the second account are inquired and changed by the same procedure as in FIG. 5, and the user information in the user information DB 541 is updated. Thereafter, the user deposits into the first account or the second account (steps S42 and S43).

Subsequently, the information management apparatus 500 performs storage in the same procedure as in FIG.
That is, the storage management means 560 of the information management apparatus 500 creates request data for the first account with reference to the user information and storage company information in the user information DB 541 and the billing information in the billing information DB 542. The information is written into the request information DB 543 (step S51). Then, the requested data is transferred to the account information management device 400a of the financial institution to request an account transfer (step S52).
When the account transfer from the first account of the user to the account of the storage company is performed (step S53), the storage management means 560 of the information management device 500 receives the result data of the account transfer from the account information management device 400a of the financial institution. It receives (step S54) and determines the transfer result (step S55).

The storage management means 560 creates request data for the second account for the transfer that has become untransferable, and writes it into the request information DB 543 (step S56). Then, the request data generated is transferred to the account information management apparatus 400a of the financial institution to request account transfer (step S57).
When the account transfer from the second account of the user to the account of the storage company is performed (step S58), the storage management means 560 of the information management device 500 receives the result data of the account transfer from the account information management device 400a of the financial institution. Receive (step S59). Upon receiving the account transfer result data (step S60), the storage management unit 560 generates storage result information and writes it to the storage result information DB 545.
Thereby, the storage company can store the bill to the user without going through the storage agent company.

<Fourth embodiment>
As another embodiment, there is a model in which the financial institution itself creates request data without going through a storage agency company, such as account transfer or automatic debit in the same financial institution. In this case, the financial institution adds the user information DB 241, billing information DB 242, request information DB 243, result information DB 244, payment method management means 250, and storage management means of the bill storage management apparatus 200 to the account information management apparatus 400a described above. An account information management apparatus 600a having a configuration 260 is held.

FIG. 12 is a block diagram showing a functional development of the internal configuration of the account information management apparatus 600a held by the financial institution in a model in which the financial institution creates request data.
The control means 610, data input / output means 620, and account management information DB 645 are the same as the control means 410, data input / output means 420, and account management information DB 440 of the account information management apparatus 400a, respectively.
The user information DB 641, billing information DB 642, request information DB 643, result information DB 644, payment method management means 650, web input / output means 651 provided in the payment method management means 650, and storage management means 660 are each a bill storage management device. 200 user information DB 241, billing information DB 242, request information DB 243, result information DB 244, payment method management means 250, web input / output means 251, and storage management means 260.
The DB management unit 630 reads and writes information in the user information DB 641, billing information DB 642, request information DB 643, result information DB 644, and account management information DB 645.

FIG. 13 shows an operation procedure when the financial institution itself creates the account transfer request data of the first account and the second account opened in the financial institution.
The payment method management means 650 of the account information management device 600a accepts inquiry and change of the first account and the second account from the user terminal device 300 via the web (step S71). Accordingly, the first account and the second account are inquired and changed by the same procedure as in FIG. 5, and the user information in the user information DB 641 is updated. Thereafter, the user deposits into the first account or the second account (steps S72 and S73).

Subsequently, the account information management device 600a performs storage management according to the same procedure as in FIG.
That is, the account information management device 600a receives billing information from the information management device 100 and accepts an account transfer request (step S81). The DB management means 630 of the account information management device 600a writes the received billing information to the billing information DB 642.
The storage management unit 660 refers to the billing information registered in the billing information DB 642, the user information and the storage company information in the user information DB 641, and creates request data for the account transfer of the first account. It writes in DB643 and account management information DB645 (step S82). When the account transfer from the first account of the user to the account of the storage company is performed by the request data written in the account management information DB 645, the account management information related to the account transfer is written to the account management information DB 645, Account transfer result data is written into the result information DB 644 (step S83).

  The storage management unit 660 determines the transfer result based on the result data registered in the result information DB 644 (step S84). The storage management unit 660 creates request data for the second account for the transfer that is not transferable, and writes the request data to the request information DB 643 and the account management information DB 645 (step S85). When the account transfer from the second account of the user to the account of the storage company is performed by the request data written in the account management information DB 645, the account management information related to the account transfer is written in the account management information DB 645, Account transfer result data is written into the result information DB 644 (step S86). The storage management unit 660 generates storage result information from the result data written in the result information DB 644 and transfers it to the information management apparatus 100 (step S87).

According to the above-described embodiment, the storage company charges by a payment method according to a preset priority order, and can be charged by another payment method when not stored, so that the rate at which settlement is impossible decreases. In addition, the billing work, storage work, and collection work performed by the storage company can be saved. In addition, since the user can make a payment with a payment method convenient for him / her, it is possible to prevent a disadvantage caused by unintentional inability to pay.
Further, when the storage company uses the services of the financial institution, the storage management becomes unnecessary after providing the storage company information and the user information to the financial institution. Thereby, the management burden of storage company information and user information in the storage company can be reduced. Further, not only the storage company but also the user can set and change the priority order of payment methods at any timing, so that the convenience of the user can be improved.
Moreover, by dividing the means in the bill storage system logically, the system can be shared by a plurality of storage companies.

  The information management device 100, the bill storage management devices 200 and 500, the terminal device 300, the account information management devices 400a and 600a, the accounting information management device 400b, and the settlement information management device 400c described above are internally computer systems. have. The operation processes of the information management device 100, the bill storage management devices 200 and 500, the terminal device 300, the account information management devices 400a and 600a, the accounting information management device 400b, and the settlement information management device 400c described above are as follows: The program is stored in a computer-readable recording medium in the form of a program, and the above processing is performed by the computer system reading and executing the program. The computer system here includes an OS and hardware such as peripheral devices.

  In addition to ROM, “computer-readable recording medium” refers to a portable medium such as a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, or a storage device such as a hard disk built in a computer system. That means. Furthermore, the “computer-readable recording medium” refers to a volatile memory (RAM) inside a computer system that becomes a client or a system when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line.
The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

It is a figure showing the whole bill storage system composition by a first embodiment of the present invention. It is a functional block diagram of the bill storage management device by a first embodiment. It is a functional block diagram of the information management device by a first embodiment. It is a functional block diagram of the account information management device by a first embodiment. It is a figure which shows the payment method inquiry and change procedure of the bill storage system by 1st embodiment. It is a figure which shows the claim accommodation procedure of the claim accommodation system by 1st embodiment. It is a figure which shows the detailed operation | movement procedure of the claim storage system by 1st embodiment. It is a figure which shows the screen image of the information reference screen by 1st embodiment. It is a figure which shows the detailed operation | movement procedure of the claim storage system by 2nd embodiment. It is a functional block diagram of the information management device by a 3rd embodiment. It is a figure which shows the operation | movement procedure of the claim storage system by 3rd embodiment. It is a functional block diagram of the account information management apparatus by 4th embodiment. It is a figure which shows the operation | movement procedure of the claim storage system by 4th embodiment. It is a figure which shows the operation | movement procedure of the conventional claim accommodation system.

Explanation of symbols

100, 500 ... Information management device 110, 210, 410, 510, 610 ... Control means 120, 220, 420, 520, 620 ... Data input / output means 130, 230, 430, 530, 630 ... DB management means 141, 241, 541, 641 ... User information DB
142, 242, 542, 642 ... billing information DB
143, 545 ... Storage result information DB
200: Claim storage management device 243, 543, 643 ... Request information DB
244, 544, 644 ... Result information DB
250, 550, 650: Payment method management means 251, 551, 651 ... Web input / output means 260, 560, 660 ... Storage management means 300 ... Terminal device 400a, 600a ... Account information management device 400b ... Accounting information management device 400c ... Settlement Information management device 440, 645 ... Account management information DB

Claims (16)

Storage request means for requesting storage by outputting request data including user identification information and billing amount information;
In a bill storage system comprising:
Storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment methods;
Billing information acquisition means for acquiring billing information including user identification information and billing amount information;
User information acquisition means for acquiring user information from the storage means based on the user identification information indicated in the billing information;
The request data including the identification information of the user and the information of the charge amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. Output instruction means for instructing the storage request means;
Instructs the storage requesting means to output the request data to an output destination corresponding to the payment method of the next priority when receiving the result data indicating that the request data cannot be stored corresponding to the output request data. Re-output instruction means;
A bill storage system comprising: Storage request means for requesting storage by outputting request data including user identification information and billing amount information;
In a bill storage system comprising:
Storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment methods;
Billing information acquisition means for acquiring billing information including user identification information and billing amount information;
User information acquisition means for acquiring user information from the storage means based on the user identification information indicated in the billing information;
The request data including the identification information of the user and the information of the charge amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. Output instruction means for instructing the storage request means;
Result data is acquired corresponding to the output request data, and if the total storage amount indicated by the already acquired result data is less than the amount indicated by the billing information, output according to the payment method of the next priority First, a re-output instruction means for instructing the storage request means to output request data including the identification information of the user and information of a billing amount indicating the remaining amount;
A bill storage system comprising: The user information further includes information on a payment limit amount of the payment method,
When the payment limit according to the payment method with the highest priority is less than the charge amount indicated by the charge information, the output instruction means determines the user identification information and the charge amount indicating the payment limit amount. Instructing the storage requesting means to output request data including information,
The re-output instruction means, when the payment limit amount according to the payment method of the next priority is less than the remaining amount, request data including the identification information of the user and information of the bill amount indicating the payment limit amount Instructing the storage requesting means to output
The claim storage system according to claim 2. The user information further includes information on a payment ratio of the payment method,
The output instruction means includes request data including identification information of the user, a payment ratio of the payment method with the highest priority, and information on a bill amount calculated by multiplying a bill amount indicated by the bill information. Instruct the storage requesting means to output,
The re-output instruction means includes request data including identification information of the user, a payment ratio of the payment method of the next priority, and information on a bill amount calculated by multiplying a bill amount indicated by the bill information. Instructing the storage requesting means to output
The claim storage system according to claim 2. Priority of the payment method of the user information specified by the identification information of the user, receiving the identification information of the user, the change information including the payment method and the priority information after the change of the payment method Payment method management means for rewriting the degree information to the priority information after the change indicated by the change information,
The claim storage system according to any one of claims 1 to 4, wherein The request data further includes information on a transfer source account and information on a transfer destination account.
The claim storage system according to any one of claims 1 to 5, wherein A bill storage method used in a bill storage system,
A billing information acquisition process for acquiring billing information including user identification information and billing amount information;
User information is acquired from the storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment method, using the user identification information indicated by the billing information. User information acquisition process,
The request data including the identification information of the user and the information of the billing amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. An output process that requires storage;
A re-output process for requesting storage by outputting the request data to an output destination corresponding to the payment method of the next priority when receiving result data indicating that the data could not be stored corresponding to the output request data When,
A bill storage method comprising: A bill storage method used in a bill storage system,
A billing information acquisition process for acquiring billing information including user identification information and billing amount information;
User information is acquired from the storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment method, using the user identification information indicated by the billing information. User information acquisition process,
The request data including the identification information of the user and the information of the billing amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. An output process that requires storage;
Result data is acquired corresponding to the output request data, and if the total storage amount indicated by the already acquired result data is less than the amount indicated by the billing information, output according to the payment method of the next priority First, a re-output process for requesting storage by outputting request data including the identification information of the user and information of the billing amount indicating the remaining amount;
A bill storage method comprising: The user information further includes information on a payment limit amount of the payment method,
In the output process, when the payment limit amount corresponding to the highest priority payment method is less than the charge amount indicated by the charge information, the user identification information and the charge amount indicating the payment limit amount Output request data including information,
In the re-output process, when the payment limit amount corresponding to the payment method of the next priority is less than the remaining amount, the request data including the identification information of the user and information of the bill amount indicating the payment limit amount Output,
The claim storage method according to claim 8. The user information further includes information on a payment ratio of the payment method,
In the output process, request data including identification information of the user, information on a charge amount calculated by multiplying a payment ratio of the payment method with the highest priority and a charge amount indicated by the charge information, Output,
In the re-output process, request data including the identification information of the user, the payment ratio of the payment method of the next priority, and the information of the charge amount calculated by multiplying the charge amount indicated by the charge information Output,
The claim storage method according to claim 8. Priority of the payment method of the user information specified by the identification information of the user, receiving the identification information of the user, the change information including the payment method and the priority information after the change of the payment method Payment method management process to rewrite the information of the degree to the information of the priority after the change indicated by the change information,
The claim storing method according to any one of claims 7 to 10, wherein the claim storing method is performed. A computer program used in a bill storage system,
A billing information acquisition step for acquiring billing information including user identification information and billing amount information;
User information is acquired from the storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment method, using the user identification information indicated by the billing information. User information acquisition step,
The request data including the identification information of the user and the information of the charge amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. An output instruction step for instructing;
A re-output instruction step for instructing to output the request data to an output destination corresponding to a payment method of the next priority when receiving result data indicating that the request data could not be stored in response to the output request data; ,
A storage request step for requesting storage by outputting the request data instructed to output in the output instruction step or the re-output instruction step;
A computer program for causing a computer to execute. A computer program used in a bill storage system,
A billing information acquisition step for acquiring billing information including user identification information and billing amount information;
User information is acquired from the storage means for storing user information including user identification information, a plurality of payment methods, and priority information of the payment method, using the user identification information indicated by the billing information. User information acquisition step,
The request data including the identification information of the user and the information of the charge amount indicated by the billing information is output to an output destination corresponding to the highest priority payment method indicated by the acquired user information. An output instruction step for instructing;
Result data is acquired corresponding to the output request data, and if the total storage amount indicated by the already acquired result data is less than the amount indicated by the billing information, output according to the payment method of the next priority First, a re-output instruction step for instructing to output request data including the identification information of the user and information of a billing amount indicating the remaining amount;
A storage request step for requesting storage by outputting the request data instructed to output in the output instruction step or the re-output instruction step;
A computer program for causing a computer to execute. The user information further includes information on a payment limit amount of the payment method,
In the output instruction step, when the payment limit amount corresponding to the highest priority payment method is less than the charge amount indicated by the charge information, the user identification information and the charge amount indicating the payment limit amount And request data including the information of
In the re-output instruction step, when the payment limit amount corresponding to the payment method of the next priority is less than the remaining amount, the request including the identification information of the user and information on the bill amount indicating the payment limit amount Instruct to output data,
The computer program according to claim 13. The user information further includes information on a payment ratio of the payment method,
In the output instruction step, request data including identification information of the user, information on a payment amount calculated by multiplying a payment ratio of the highest priority payment method and a charge amount indicated by the charge information To output
In the re-output instruction step, the request includes the identification information of the user, the payment ratio of the payment method of the next priority, and information on the bill amount calculated by multiplying the bill amount indicated by the bill information. Instruct to output data,
The computer program according to claim 13. Priority of the payment method of the user information specified by the identification information of the user, receiving the identification information of the user, the change information including the payment method and the priority information after the change of the payment method Causing the computer to further execute a payment method management step of rewriting the degree information to the priority information after the change indicated by the change information,
The computer program according to any one of claims 12 to 15, wherein the computer program is characterized by that.

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