JP2007048077A - Payment situation management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment situation management system capable of rapidly and efficiently managing payment of a charge when the payment of the charge different according to a customer is periodically or irregularly generated by a prescribed transfer form sent to the previously contracted customer. <P>SOLUTION: This payment situation management system 1 has: an access means 20 accessing a prescribed access code from a communication terminal held by the customer 2 to an unpaid transfer passing a transfer deadline; an issuing means 31 issuing a paying code to payment requirement generated by the access from the customer 2; a recognition means 40 recognizing information related to the unpaid transfer of the customer 2 by reading the paying code; a database 33 storing and managing customer information related to the previously contracted customer 2 and information related to a payment situation of the customer 2; and a management means 32 updating the database 33 in real time and managing the payment situation by the payment of a prescribed money amount by the customer 2 based on the information recognized by the recognition means 40. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention is a payment status for managing the payment of charges when payments of different charges occur regularly or irregularly depending on the customer by a predetermined transfer form sent to a customer who has contracted in advance Regarding management system.

  Conventionally, at the time of purchase of goods or payment of public charges, etc., it is possible to transfer a predetermined amount at various payment places such as convenience stores, post offices, financial institutions, etc. by transfer forms sent from the company side There are forms of using payment-related services.

  For example, an electric power company automatically sends a predetermined transfer form filled with monthly electricity charges to a customer's power contractor, and the contractor brings the transfer form to the payment location. There is a mechanism that collects a fee by paying a predetermined amount.

  However, such transfer forms are mainly time-limited due to the intention of the company to make payments to the customer as soon as possible, so if the time limit is exceeded, it must be reissued. Inconvenience that it does not occur, there is a problem that it takes time and labor both sides.

  In addition, there is a problem that a customer whose power supply has been stopped because he / she has not paid the fee within the deadline cannot quickly respond to a sudden request from the customer, such as when he / she wants to transfer the fee and use electricity immediately was there. In other words, the power supply stoppage and the timing of collecting and collecting electricity bills are managed and managed by multiple customers mainly by the power company. Thus, it was difficult to respond promptly each time.

  In addition, as a technique related to transfer and payment, for example, a form reception apparatus and a form reception processing method (see Patent Document 1) that allow a user to easily perform transfer and payment without going to a window have been proposed. However, since this technology is for payment on the Web, for example, from the viewpoint of protecting personal information such as credit card numbers, the company side needs to pay sufficient attention in terms of security. It was not something that could be used with peace of mind. In addition, for example, an electronic application method and device (see Patent Document 2) that appropriately and reliably collects fees for application procedures to administrative institutions have been proposed, but they are related to special tasks such as application procedures to administrative institutions. Yes, it cannot be applied as a system premised on handling a transfer sheet with a time limit as described above.

JP 2004-126910 A JP 2002-092262 A

  In view of such circumstances, the present invention pays a fee when payment of a different fee depending on the customer occurs regularly or irregularly according to a predetermined transfer form sent to a customer who has contracted in advance. It is an object of the present invention to provide a payment status management system that can quickly and efficiently manage the payment.

  The first aspect of the present invention that solves the above-mentioned problem is when payment of a different fee is generated regularly or irregularly depending on the customer by a predetermined transfer form sent to the customer who has contracted in advance A payment status management system for managing the payment of the fee, and an access means for accessing a predetermined access code from a communication terminal held by the customer for an unpaid transfer exceeding the transfer deadline; and the customer An issuing means for issuing a payment code in response to a payment request generated by an access from the client, and a recognition means for recognizing information relating to the unpaid transfer of the customer by reading the payment code. A database that stores and manages customer information related to the customer and information related to the payment status of the customer, and predetermined by the customer based on the information recognized by the recognition means By the amount is paid, in payment status management system characterized by comprising a management unit for managing the payment status and updates the database in real time.

  In such a first aspect, for an unpaid transfer that has exceeded the transfer deadline, a predetermined access code is accessed from a communication terminal held by the customer, and a payment code is generated for a payment request generated by the access from the customer. Issuing and reading the payment code recognizes information related to unpaid transfer of the customer, and stores and manages customer information related to the customer who has contracted in advance and information related to the payment status of the customer. The payment status is updated and managed in real time by the customer paying a predetermined amount based on the information. As a result, for example, adverse effects caused by payment can be quickly resolved, and the payment status can be efficiently managed even for transfers that exceed the transfer deadline.

  According to a second aspect of the present invention, in the first aspect, the issuing means determines whether there is another unpaid transfer based on the information related to the customer's transfer, and the unpaid transfer is performed. In the payment status management system, the payment code for the oldest non-payment is created and issued if it exists.

  In the second aspect, it is determined whether there is any other unpaid transfer based on the information related to the customer's transfer, and if there is an unpaid transfer, a payment code for the oldest unpaid payment is created. Issued. This makes it possible to make payments in units of months in which payments are delayed according to each customer, so that it is possible to more efficiently manage payment of fees generated by the transfer form.

  A third aspect of the present invention is characterized in that, in the first or second aspect, the payment code is a code that is valid on the issued day and can be read only at the time of one payment. In the payment status management system.

  In the third aspect, a code that is valid for each issued day and can be read only at the time of one payment is used as a payment code. Thereby, for example, regardless of malicious or good intentions, double payment from a customer can be prevented in advance, so that it is possible to more efficiently manage payment of a fee generated by a transfer sheet.

  According to a fourth aspect of the present invention, in any one of the first to third aspects, the management means, when a predetermined amount is paid based on the payment code, is generated by the payment. The payment status management system is characterized in that a confirmation e-mail indicating the confirmation contents for the action is sent or a thank-you e-mail indicating that a predetermined amount has been received.

  In the fourth aspect, when a predetermined amount is paid based on the payment code, a confirmation email or a predetermined amount indicating confirmation of the next action generated by the payment is received. A thank you email is sent. Thereby, it becomes possible to manage the payment of the fee generated by the transfer sheet more efficiently.

  According to a fifth aspect of the present invention, in the payment status management system according to any one of the first to fourth aspects, the access code is a two-dimensional code or a URL printed on the transfer sheet. is there.

  In the fifth aspect, the two-dimensional code or URL printed on the transfer sheet is used as the access code. Accordingly, for example, since the transfer paper issue destination or related destination can be quickly accessed, it is possible to more quickly and efficiently manage the payment of the fee generated by the transfer paper.

  According to a sixth aspect of the present invention, in the fifth aspect, when the access code is a code for a power company transfer, information on each customer regarding monthly electricity bill, customer number, expiration date of payment Is included in the payment status management system.

  In the sixth aspect, when the access code is a code for a power company transfer, information for each customer regarding the monthly electricity bill, customer number, and expiration date of payment is included. As a result, for example, the power company can reliably grasp the payment status of different charges depending on the customer using the transfer form, so that the payment of the charge generated by the transfer form can be managed more quickly and efficiently. It becomes possible.

  According to a seventh aspect of the present invention, in any one of the first to fifth aspects, the access code is information stored in advance in a customer communication terminal and including at least a customer number. In the payment status management system.

  In the seventh aspect, information that is stored in advance in the customer's communication terminal and includes at least the customer number is used as the access code. Thereby, for example, even when a predetermined transfer sheet is not at hand for some reason, it is possible to more quickly and efficiently pay a fee generated by the transfer sheet.

  According to an eighth aspect of the present invention, in any one of the first to seventh aspects, when the paid fee is an electricity fee for an electric power company and is a payment from a customer whose power supply is stopped. In the payment status management system, the management means transmits at least a confirmation notification indicating whether or not power may be supplied.

  In the eighth aspect, if the paid fee is an electricity fee for the electric power company and payment is made from a customer whose power supply is stopped, at least whether or not the electric power may be supplied. A confirmation notification indicating is sent. As a result, for example, an accident such as a fire caused by a sudden resupply of power can be prevented in advance, so that it is possible to more efficiently manage the payment of the fee generated by the transfer sheet. .

  According to a ninth aspect of the present invention, in any one of the first to eighth aspects, the management means notifies the advance notice for exceeding the transfer deadline and stopping the supply of power as an unpaid transfer status. The payment status management system is characterized by

  In the ninth aspect, the advance notice for exceeding the transfer deadline and stopping the supply of power is notified as an unpaid transfer situation. Thereby, for example, since the customer can know the payment status before the supply of power is stopped, it is possible to more efficiently pay the fee generated by the transfer sheet.

  According to the present invention, a predetermined amount can be paid based on the unpaid transfer paper that has exceeded the transfer deadline, and the payment status is managed in real time. To provide a payment status management system capable of quickly and efficiently managing the payment of charges when payment of different charges depending on customers occurs regularly or irregularly depending on a predetermined transfer form to be sent It becomes possible.

  The best mode for carrying out the present invention will be described below with reference to the drawings. The description of the present embodiment is an exemplification, and the configuration of the present invention is not limited to the following description.

  In the present embodiment, for example, a transfer form sent from the company, such as when purchasing a product (for example, mail order) or paying for a utility bill (for example, an electric power company, a gas company, a water company, or a telephone company). For example, a system that can quickly and efficiently manage the payment of charges in a service usage mode that can transfer a predetermined amount at various payment places such as convenience stores, post offices, financial institutions, etc. It is realized.

  FIG. 1 is a diagram showing a system configuration of a payment status management system according to an embodiment of the present invention. In this embodiment, the electric power company is illustrated as the company that sends the transfer form, and the payment location is always open and the payment status immediately online according to the payment that occurred within the deadline. Convenience stores that employ a system that can be checked and managed by the

  As shown in the figure, the payment status management system 1 according to the present embodiment is configured to provide a predetermined transfer sheet for a customer 2 who pays a fee on a transfer sheet regularly or irregularly and a customer 2 who has a contract in advance. And a payment place 4 where a customer 2 brings in a transfer form and pays a predetermined amount, and these are connected to each other via a network 10. Hereinafter, these specific configurations will be described.

  The customer 2 has an access means 20 for accessing a predetermined access code from a communication terminal held by the customer 2 for an unpaid transfer exceeding the transfer deadline. The access code here is, for example, a two-dimensional code (for example, QR code; Quick Response code) or URL (Uniform Resource Locator) printed on the transfer paper, and the access code is a code for the transfer of the electric power company. In this case, information for each customer 2 regarding the monthly electricity charge, the customer number for identifying the customer 2, and the expiration date of payment is included. On the other hand, the communication terminal held by the customer 2 is, for example, a mobile phone or a personal computer. For this reason, for example, it is accessed by photographing a QR code with a camera-equipped cellular phone held by the customer 2, or accessed by inputting a URL associated with the QR code from a normal cellular phone or the like. become.

  The electric power company 3 has a management server 30 that manages at least the payment status of each customer 2 while associating information from the customer 2 side with information from the payment place 4. The management server 30 pays a predetermined amount by the customer 2 based on information recognized by an issuing means 31 that issues a payment code in response to a payment request generated by an access from the customer 2 and a recognition means 40 described later. Thus, the management means 32 for managing the payment status by updating the database 33 to be described later in real time, and the database for storing and managing the customer information related to the customer 2 contracted in advance and the information related to the payment status of the customer 2 ( (Illustrated as “DB”) 33.

  Specifically, the issuing means 31 determines whether there is another unpaid transfer based on the information about the transfer of the customer 2, and if there is an unpaid transfer, the issuing means 31 is used for the payment for the oldest unpaid payment. Create and issue a code. That is, the payment is performed with the old non-payment month preferentially being paid and the month in which the payment is delayed as one unit.

  In addition, when the predetermined amount is paid based on the payment code, the management means 32 has received a confirmation email or a predetermined amount indicating confirmation contents for the next action generated by the payment. Send a thank you email. For example, if the paid fee is an electricity fee for the electric power company 3 and is a payment from the customer 2 whose supply of electric power has been stopped, at least a confirmation indicating whether or not the electric power may be supplied Send a notification. Thereby, since the customer 2 can recognize that electric power is supplied again, it is also possible to prevent an accident such as a fire due to a sudden supply of electric power. Furthermore, the management means 32 notifies the advance notice for stopping the supply of electric power as an unpaid transfer state when the transfer deadline is exceeded. At this time, for example, past non-payment may be notified.

  The database 33 is specifically as shown in FIG. In the example shown in FIG. 2A, as customer information related to the customer 2, for example, monthly electricity bill, address, name, contact information, etc. are managed in association with each customer number. On the other hand, in the example illustrated in FIG. 2B, as information on the payment status of the customer 2, for example, whether there is a monthly payment status, power supply status (stopped or being supplied in this embodiment), power supply start notification And the like are managed in association with each customer number.

  The above-mentioned payment code is, for example, a billing two-dimensional code (for example, QR code) or a barcode. Furthermore, such a code for payment is a code that is valid on the day of issue and is readable only at the time of one payment. In this way, by limiting the time limit and the number of payment codes issued by the electric power company 3 in response to a request from the customer 2, management for preventing double payment can be performed.

  In addition, the management server 30 as described above may be an information communication device including various general communication devices, and examples thereof include a personal computer and a server.

  The payment place 4 has a recognition means 40 for recognizing information related to the unpaid transfer of the customer 2 by reading the payment code issued from the issuing means 31. That is, the payment code presented by the customer 2 is read, and information related to the payment sent from the power company 3 to the customer 2 is recognized. Examples of such recognition means 40 include a POS system (Point Of Sales system) bar code reader.

  Here, the access code and the payment code will be described. FIG. 3 is a diagram showing an example of an access code of a payment status management system according to an embodiment of the present invention. FIG. 4 is an example of a payment code of the payment status management system according to an embodiment of the present invention. FIG.

  In the example shown in FIG. 3, a QR code and URL as an access code are printed on the lower left of the transfer sheet 100 sent from the power company 3 to the customer 2. The customer 2 inputs the QR code or URL from the communication terminal held by the customer 2 and accesses the access means 20, so that the month corresponding to the transfer form 100 can be obtained even if the transfer form 100 has exceeded the transfer deadline. Since the payment code is issued, the predetermined amount entered on the transfer form 100 can be paid at the payment place 4.

  If there is a non-paid month due to a transfer that occurred in the month prior to the transfer form 100, the payment code corresponding to the transfer form 100 is not issued, but instead the unpaid transfer The payment code for the oldest month will be issued.

  On the other hand, in the example shown in FIG. 4, a payment code issued in response to a payment request generated by an access from the customer 2 is displayed below the screen 101. In response to the payment request from the customer 2, the electric power company 3 issues a payment code corresponding to the information included in the access code from the management server 30. That is, a payment code including information related to the monthly electricity bill and customer information to be paid is created and issued by the issuing means 31.

  Note that the example shown in FIG. 4 shows a screen 101 that is issued when there is an unpaid month before the month for which the customer 2 requested payment.

  Next, the processing procedure of the payment status management system 1 will be described. FIG. 5 is a diagram showing a communication sequence of the payment status management system according to the embodiment of the present invention.

  As shown in the figure, first, the customer 2 accesses the electric power company 3 with an access code (S1). That is, when a two-dimensional code or URL printed on a transfer form is input, an access that becomes a payment request for the transfer form from the communication terminal held by the customer 2 to the management server 30 of the power company 3 via the network 10 Is made.

  The electric power company 3 issues a payment code in response to a payment request generated by access. At this time, first, it is determined whether or not there is another unpaid transfer for the customer 2 (S2). Here, if there is no other unpaid transfer (S2; Yes), a corresponding payment code is created as it is (S3). On the other hand, when there is another unpaid transfer (S2; No), the payment code of the oldest unpaid month is created (S4). In this way, the power company 3 side issues the steps S2 to S4 from the issuing means 31, and then issues an appropriate payment code in response to the payment request from the customer 2 side (S5). The payment code issued here is valid only once on the day. Thereby, the electric power company 3 side can ensure the management for preventing double payment. For example, when payment occurs again after the first payment, it is only necessary to notify the customer 2 to that effect, and it is also possible to prevent paying a fee overlapping with another person such as between family members.

  Upon receiving the payment code, the customer 2 displays the payment code on the communication terminal held by the customer 2 (S6). At this time, the received payment code may be stored in the communication terminal so that it can be displayed at any time. Then, the customer 2 goes to the payment place 4 to read the payment code by the recognition means 40 (S7), and recognizes information related to the transfer (S8). At this time, there is a case where the amount of non-payment month in a different month from the transfer paper on which the access code is printed may be paid by the processing from step S2 to S4. In this case, for example, a screen as shown in FIG. 4 is displayed.

  At the payment place 4, the amount recognized by the recognition means 40 is presented to the customer 2 (S9), and payment of the amount is received from the customer 2 (S10). And when the amount of money is paid from the customer 2, the information is notified to the management server 30 of the electric power company 3 in real time. At this time, the management means 32 updates the payment status of the corresponding customer 2 managed in the database 33 to the latest state (S11). Then, the electric power company 3 transmits a confirmation email or a thank-you email to the customer 2 (S12). Thereby, for example, the electric power company 3 side can supply power again by the response from the customer 2 with respect to the confirmation mail, and can prevent an accident due to a surprise. In addition, for example, the customer 2 side can be relieved that the receipt of the predetermined fee can be confirmed by the thank mail as a substitute for the receipt.

  As described above, in the present embodiment, even if the payment paper has not been paid and has not been paid, the access code printed on the payment paper is used to access the management server 30 of the power company 3. Since the payment code corresponding to the corresponding non-payment month is issued, the customer 2 side can pay the predetermined amount quickly and surely, and the electric power company 3 side can also make the non-payment payment efficiently. Can be managed.

(Other embodiments)
In the above-described embodiment, the customer 2 accesses using the access code printed on the transfer sheet. However, the present invention is not limited to this, and for example, the access code is stored in the communication terminal of the customer 2 in advance. You may make it leave. The access code in this case is information including at least the customer number, and for example, authentication may be performed with a password at the time of access. The access code that has been used once may be managed as a code that can be used for billing by the management server 30 of the power company 3. Thus, for example, when the user 2 is out of the office or the transfer sheet is lost, for example, even when the transfer sheet is not in hand at the customer 2 and payment is suddenly required, the predetermined fee can be paid quickly.

  In the above-described embodiment, payment of a regular electric power company fee is targeted. However, for example, the present invention may be applied to an object for payment of an irregular fee such as mail order.

  The present invention can be used in industries having various facilities such as electricity, gas, water and telephone, or service industries such as mail order.

It is a figure which shows the system configuration | structure of the payment status management system which concerns on one Embodiment of this invention. It is a figure which shows an example of the data structure of the payment status management system which concerns on one Embodiment of this invention. It is a figure which shows an example of the access code of the payment status management system which concerns on one Embodiment of this invention. It is a figure which shows an example of the code for payment of the payment status management system which concerns on one Embodiment of this invention. It is a figure which shows the communication sequence of the payment status management system which concerns on one Embodiment of this invention.

Explanation of symbols

2 Customer 3 Electric Power Company 4 Payment Place 10 Network 20 Access Means 30 Management Server 31 Issuing Means 32 Management Means 33 Database 40 Recognition Means 100 Transfer Form 101 Screen

Claims (9)

A payment status management system that manages the payment of charges that vary according to the customer on a regular or irregular basis, depending on the customer's predetermined transfer form sent to the contracted customer There,
Access means for accessing a predetermined access code from a communication terminal held by the customer for an unpaid transfer exceeding the transfer deadline;
Issuing means for issuing a payment code in response to a payment request generated by access from the customer;
Recognizing means for recognizing information about unpaid transfer of the customer by reading the payment code;
A database for storing and managing customer information about customers who have contracted in advance and information on payment status of the customers;
A payment status management system comprising: a management unit that updates the database in real time and manages the payment status by paying a predetermined amount by the customer based on the information recognized by the recognition unit . The payment means according to claim 1, wherein the issuing means determines whether there is another unpaid transfer based on the information related to the customer's transfer, and if there is an unpaid transfer, the payment for the oldest unpaid payment is made. A payment status management system characterized by creating and issuing codes for business. 3. The payment status management system according to claim 1 or 2, wherein the payment code is a code that is valid for each issued day and is readable only at the time of one payment. 4. The confirmation according to claim 1, wherein, when a predetermined amount is paid based on the payment code, the confirmation means indicates a confirmation content for a next action generated by the payment. A payment status management system characterized by transmitting an e-mail or a thank-you mail indicating receipt of a predetermined amount. 5. The payment status management system according to claim 1, wherein the access code is a two-dimensional code or a URL printed on the transfer sheet. In Claim 5, when the said access code is a code with respect to the transfer of an electric power company, the information for every customer regarding the monthly electricity bill, a customer number, and the expiration date of payment is included. Payment status management system. 6. The payment status management system according to claim 1, wherein the access code is information stored in advance in a customer communication terminal and including at least a customer number. In any one of Claims 1-7, when the paid fee is an electricity fee for an electric power company and is a payment from a customer whose supply of electric power is stopped, the management means includes at least an electric power A payment status management system that transmits a confirmation notification indicating whether or not to supply the payment status. 9. The payment status management system according to claim 1, wherein the management means notifies the advance notice for stopping the supply of power as an unpaid transfer status when the transfer deadline is exceeded.

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