JP2008107928A - Public utility charge electronic settlement system with service supply management function - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a structure that can be promptly recovered even when the supply of services is stopped because public services are the infrastructure of life while it is desirable to have various payment methods of public utility charges because everyone is equally in need of public services. <P>SOLUTION: The public utility charge electronic settlement system for improving convenience of public services is constructed by diversifying the payment method of public utility charges by an electronic settlement function, and providing a service supply management function interlocked with the settlement function. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a public fee electronic payment system that improves the convenience of public services by providing a service supply management function that is linked to the payment function while diversifying the payment method of public charges through an electronic payment function.

Currently, the following methods are generally known as payment methods for public utilities determined by public utilities.
(1) A collection of payments that collects the monthly utility bills in cash after the collector of the public company visits the contractor's home directly.
(2) Transfer payment in which the contractor brings the special transfer form issued by the public company to the counter of a financial institution, a convenience store, etc., and pays the monthly utility bill in cash.
(3) Account transfer payment that automatically deducts monthly utility bills from accounts of financial institutions such as banks and post offices specified in advance by contractors.
(4) If the financial institution is a credit card company, the credit card company pays the public utility monthly for the contractor on behalf of the contractor by the credit card payment function specified by the contractor in advance, The credit card payment that the contractor pays to the credit card company the amount corresponding to the utility bill at a later date from the account of a financial institution such as a predetermined bank or post office.
(5) The contractor visits the public company and pays the monthly utility bill in cash.

  However, in the method (1), a large number of personnel are required for the public enterprise, and it is not possible to deal with all contractors. The methods (3) and (4) are methods used for monthly utility bill payments, and cannot be used for one-time payments, for example. Furthermore, in the methods (2) and (5), the contractor must bring cash and a dedicated transfer form and go to a financial institution or a convenience store.

Therefore, in order to realize a more convenient utility bill payment method, the Internet utility fee / tax payment system and payment method (for example, refer to Patent Document 1), electronic payment service method and electronic payment system (for example, (See Patent Document 2).
JP 2001-350930 A JP 2003-108893 A

  Conventionally, there are several methods for contractors to pay public fees. However, if the contractor wants a long-term contract, the monthly transfer can be done by bank transfer or financial institution such as post office. It is common to pay utility bills.

  However, the conventional account transfer by a financial institution automatically deducts monthly public utility charges and cannot be used for single payments each month.

  On the other hand, if the contractor resides in a public service provider's service supply area for a short period of time, the account transfer by the financial institution is not used, and the monthly public charges are paid in cash, using the financial institution's window or convenience store. I often pay at stores. In addition, there are contractors who choose to pay at convenience stores mainly for young people due to the diversification of lifestyles.

  In addition, in order to start a transaction with a public company, if you are going to start a new account transfer procedure with a financial institution, or if you change the account of a financial institution, there will be a certain amount of time until the account transfer starts. Period is required. Until that time, it is inconvenient that the monthly utility bills must be paid in cash at a financial institution or a convenience store.

  On the other hand, various payments have been made by electronic settlement due to the recent spread of the Internet, mobile phones, etc., but there has been a problem that public charges have not been adequately addressed so far.

  The next issue is that, in general, when payment of utility bills is not made within a certain period, a payment reminder notice is sent out describing the deadline for stopping the supply of services. Supply is stopped.

  However, in order to pay each month's utility bills in cash at a financial institution's window or convenience store, it is necessary to bring a dedicated transfer form sent by a public company each month. For this reason, even if the dedicated transfer paper is lost or the special transfer paper cannot be received due to a long-term business trip or medical treatment, the supply of the service may be stopped.

  In addition, even if a contractor uses automatic transfer by a financial institution, if it is delinquent due to a temporary shortage of balance, etc., and the supply of services is stopped, then the transfer payment by the financial institution cannot be made and the financial It is necessary to pay in cash at the institution's window or convenience store.

  A service provided by a public company serves as an infrastructure for daily life, and it is desirable that the payment system be safe and highly convenient so that the supply of the service does not stop. There is also a need for a mechanism that can quickly recover even if the supply of services is stopped.

  The present invention has been made in view of such circumstances, and improves the convenience by diversifying the method for performing the payment procedure, and provides an immediate recovery even when the provision of the service is stopped. By making it possible, the object is to provide an electronic utility payment system with a service supply management function that ensures the safety of life.

  The utility bill electronic settlement system having a service supply management function according to the present invention is a utility bill electronic settlement system that performs settlement of a subscriber's utility bill and management of service supply on a communication network using a server device of a public provider. A service display means for displaying the service usage status and billed amount of the contractor for each contractor on the user terminal via the communication network, and the billed amount displayed by the transaction display means From the financial institution selected on the transaction display screen of the user terminal, to the account of the financial institution designated by the public operator, the utility fee transfer means for performing the transfer procedure via the communication network, and the user of the contractor by the utility fee transfer means Transfer information acquisition means to acquire the contents of the transfer procedure performed on the transaction display screen from the terminal via the communication network, and the contractor performs the transfer procedure Received from the financial institution server specified by the public operator when the deposit was received from the financial institution specified by the public operator and the transfer information acquisition means The contractor payment determination means that performs payment processing of the accounts receivable by comparing with the transfer information, determines that the payment is for the specific request of the contractor, and the transaction display means in the contractor's user terminal transaction When change information that requires construction such as address transfer, contract cancellation, etc. is entered on the display screen, based on the details of the change, the contents of the necessary construction and schedule information that can be constructed are The contractor wishes to input the construction information display means displayed on the transaction display screen of the user terminal and the schedule information that can be constructed by the construction information display means entered from the contractor's user terminal. To get the construction schedule, construction dates and the contract's address, the information necessary for the implementation of the construction of name, etc., and the construction schedule adjustment means to be sent to the server of the construction department, characterized by having a.

  Here, the public enterprises are not limited to enterprises that supply electricity, gas, water, etc., but include enterprises such as communication and broadcasting. The user terminal is not limited to a personal computer, but includes a mobile terminal such as a mobile phone, an information terminal installed in a convenience store, an ATM terminal of a financial institution, and the like. Further, the transaction display screen displayed by the user terminal via the communication network is not limited to the one displayed online, but includes one transmitted by e-mail or the like.

  In addition, the utility bill electronic settlement system having the service supply management function of the present invention, when the contractor payment determination means cannot determine the contractor's payment by a predetermined time limit, to the contractor's user terminal, In the payment reminder notifying means for notifying the payment notice of the service suspension deadline and the contractor payment judging means via the communication network, when the contractor's payment cannot be judged by the service suspension deadline, Service stop notification means for notifying the user terminal of the service stop via the communication network and the server in charge of the construction are necessary for the implementation of the work such as the date and time of the service stop work and the address and name of the contractor. Service stop execution means for transmitting information, and after the service stop by the service stop construction execution means, to the contractor payment determination means If the contractor's payment can be determined, a service restart notification means for notifying the contractor's user terminal of the date and time of the service restart work and the details of the work to the user terminal of the contractor, and a server in charge of the construction department And service restart execution means for transmitting information necessary for the execution of the construction such as the date and time of the service restart construction, the address and name of the contractor, and the like.

  Further, the utility fee transfer means is performed by a credit card, so that the payment information of the contractor from the financial institution server is transmitted in real time.

  According to the credit card payment, the payment is made only by confirming the credit information. Therefore, the procedure can be carried out more quickly than a financial institution such as a bank or a post office or a debit card. Therefore, particularly when the supply of service is stopped, the service supply can be promptly resumed.

  In addition, when the contractor performs the transfer procedure for the current month in a state where the payment for the previous month has not been paid, the contract display means informs that the previous month has not been paid in the transaction display means, and The transfer means is characterized by comprising a jump-in prevention means for notifying that the payment for the current month related to the procedure is applied to the payment for the previous month that has not been paid.

  Here, jump-in means a case where payment for the current month has been made even though payment for the previous month has not been completed. Conventional cash payments using dedicated transfer papers are difficult to find and may stop service supply, but can be prevented by the present invention.

  In the conventional payment method of public charges, the monthly transfer fee payment was generally made by bank transfer, and each month's payment had to be made with a special transfer form and cash. However, in the utility bill electronic payment system having the service supply management function of the present invention, payment can be made at home or on the go by performing electronic payment using the Internet or a mobile phone.

  In addition, even if the supply of services is stopped due to the delinquency of public charges, the transfer procedure can be performed at any time from a personal computer or mobile phone, so the supply of public services, which is a living infrastructure, can be quickly restored. it can. In the present invention, by providing a service supply management function, it is possible to simultaneously perform a transfer process for public utility charges and a work procedure for resuming service supply, thereby enabling quick recovery.

  As described above, according to the utility bill electronic settlement system having the service supply management function of the present invention, it is possible to improve convenience by diversifying the method of payment procedure and to stop the provision of service. Even if there is, it is possible to ensure the safety of life by enabling quick recovery.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 shows a utility bill electronic payment system having a service supply management function according to the present invention, a construction department server connected via a communication network, a contractor's user terminal and a mobile phone terminal, a convenience store information terminal, It is a functional block diagram of an ATM terminal of a financial institution and a financial institution server.

  A utility bill electronic payment system 1 having a service supply management function includes a transmission / reception unit 11 that communicates with a communication network 2, a central processing unit 12 that performs arithmetic processing related to electronic payment and service supply management, and electronic payment and service supply management. A storage unit 13 for storing data and the like, an input unit 14 such as a keyboard for inputting data, and an output unit 15 such as a display device or a printer for outputting data.

  A transmission / reception unit 11 of the utility bill electronic settlement system 1 having a service supply management function includes a construction server 3 for a public company, a user terminal 4 of a contractor who receives a service of the public company, via a communication network 2. It is connected to a cellular phone terminal 5 of a contractor, an information terminal 6 of a convenience store, an ATM terminal 7 of a financial institution, a financial institution server 8 having a designated account by a public company, and the like.

  The storage unit 13 includes a contractor DB 131 that stores information on the contractor's address, name, contact information, and the like, a billing management DB 132 that stores information on the contract details for each contractor, transaction status such as billing and payment, and the contractor. The service supply DB 133 holds information on the status of the contract service related to the service supply, service usage, and facility construction (FIG. 2).

  The central processing unit 12 includes a transaction display means 503 for displaying the amount charged for each contractor, a utility fee transfer means 504 for the contractor to perform the transfer procedure for the charge amount, and transfer information for acquiring information input in the transfer procedure. The acquisition means 505, the contractor payment determination means 506 for comparing the transfer information and the payment information from the financial institution to determine the billing payment of the contractor, and the construction information when there is a contract application requiring construction from the contractor. Construction information display means 507 for displaying, construction schedule adjustment means 508 for notifying the department in charge of the construction schedule desired by the contractor, payment reminding notification means 509 for prompting the contractor who cannot confirm payment by a predetermined time limit, Service stop notification means 510 for notifying a contractor whose payment cannot be confirmed even after payment is requested, and executing a service stop for instructing the department in charge of the service stop construction. Step 511, service resumption notification means 512 for notifying service resumption when payment can be confirmed after service stop, service resumption execution means 513 for instructing service resuming work to the department in charge of construction, unpaid corresponding to the case where there is a deposit A jump-in prevention means 514 that prompts monthly payment is provided.

  FIG. 3 is a flow chart for a normal transaction flow in the present embodiment. Introduction The utility bill electronic payment system 1 with service supply management function creates a transaction display screen on the Internet browser for each contractor, and actually uses it based on the contents and contract of the service contracted in the current month. The usage amount of the service and the usage fee (billing amount) corresponding to the usage amount are displayed (transaction display means 503). In the present embodiment, in addition to the display on the transaction display screen of the contractor's user terminal 4, an invoice describing the service usage amount and the usage fee is sent to the contractor's user terminal 4 by e-mail or the like. Here, the transaction display screen can be displayed on a display unit of a mobile phone, an information terminal of a convenience store, an operation screen of an ATM terminal of a financial institution, etc. in addition to an Internet browser.

  On the transaction display screen displayed on the user terminal 4 of the contractor, the contractor selects the financial institution with which the transaction is carried out, and performs the procedure for transferring the public bill for the current month to the account of the financial institution designated by the public operator (Utility fee transfer means 504).

  Further, in the transaction display screen display and the utility fee transfer procedure, a jump deposit prevention means 514 is provided. The so-called jump-in money means a case where payment for the current month has been made even though payment for the previous month has not been completed. In the case of service stoppage due to the elapse of a predetermined period of accounts receivable, which will be described later, conversion is made from the billing date for the previous month when payment has not been completed (FIG. 4). For this reason, there are cases in which the service provider is suspended even though the contractor believes that he is in a normal transaction state.

  In the display of the transaction display screen on the user terminal 4 of the contractor, it is notified that the payment for the previous month has not been completed. When the contractor's user terminal 4 performs the procedure as payment for the current month, the contractor's user terminal 4 displays a button for selecting consent to be applied to the previous month's payment for which payment has not been completed. When the user terminal 4 selects a button to agree, a transfer process is performed as payment for the previous month. As a result, it is possible to eliminate the incoming payment at an early stage and prevent a case where the service supply is stopped.

  The utility bill electronic settlement system 1 having a service supply management function acquires the contents of the transfer procedure performed at the contractor's user terminal 4 via the communication network and stores it in the billing management DB 132 (transfer information acquisition means) 505). Here, the contents of the transfer procedure are information such as a contractor ID, a billing ID, a transfer date, a handling financial institution, a transfer amount, and an account name.

  The financial institution that has received the transfer procedure request from the user terminal 4 of the contractor transfers a predetermined amount to the account of the financial institution 8 designated by the public business operator. However, in financial institutions such as banks and post offices and debit card payments, this is limited to cases where the balance satisfies a predetermined amount. When the balance is insufficient, the transfer procedure cannot be completed on the transaction display screen of the user terminal 4 of the contractor, and a message indicating insufficient balance is displayed and the transfer procedure is terminated. In addition, when a balance inquiry is made after the transfer procedure is completed, the result is notified to the contractor's user terminal 4 by e-mail or the like after the balance inquiry. On the other hand, when a settlement is made using a credit card issued by a credit card company, a predetermined amount is paid based on the credit information of the contractor. Therefore, it is possible to make a quick settlement as compared with financial institutions such as banks and post offices and debit card settlement.

  When the financial institution server 8 designated by the public operator confirms the payment of the contractor, the payment information is sent to the transmission / reception unit 11 of the utility bill electronic settlement system 1 having the service supply management function via the communication network 3. Sent. Here, the deposit information is information such as a transfer date, a handling financial institution, a transfer amount, an account name, etc., and coincides with a part of data of the transfer information acquired by the transfer information acquiring means 505. The contractor payment determination means 506 compares the deposit information data and the transfer information data, specifies the billing ID if the determination is the same, and performs the process as the contractor's accounts receivable deposit. Specifically, a payment completion flag is set in the billing ID held by the billing management DB 132 processed as the accounts receivable deposit.

  In the present embodiment, when the payment can be confirmed for the specific billing ID of the contractor, the receipt details are displayed on the transaction display screen of the user terminal 4 of the contractor, and the user of the contractor is sent by e-mail or the like. A receipt is sent to the terminal 4.

  Next, when the payment from the contractor cannot be confirmed, the service supply is stopped based on predetermined requirements. FIG. 5 is a diagram showing the flow.

  The payment reminder notifying unit 509 detects, from the billing data held in the billing management DB 132, a billing ID that does not have the payment completion flag by the contractor payment determination unit 506 and that has passed a predetermined period from the billing date (S101). -S102). The payment reminder notifying means 509 displays a reminder of payment on the transaction display screen or by e-mail or the like to the user terminal 4 of the contractor with the detected billing ID (S103). In addition, the payment reminding notice describes the payment method, the billing amount, and the time limit for stopping the service supply when there is no payment.

  After the payment reminding notice by the payment reminding notifying means 509, the service stop notifying means 510 operates after the expiration date of the service provision stop, and if the payment cannot be confirmed by the contractor payment determining means 506 by the due date, the service supply is provided. Is notified on the transaction display screen of the user terminal 4 of the contractor, or by e-mail or the like. The notification includes the date and time when the service supply is stopped, the method of restarting the service supply by payment for nonpayment, and the like (S105). At the same time, the service stop execution means 511 transmits information necessary for carrying out the construction, such as the date and time of the service supply suspension construction and the address and name of the contractor, to the construction department server 3 (S107). The department in charge of the construction implements the service supply suspension based on the transmitted information.

  On the other hand, if the payment can be confirmed by the contractor payment determination unit 506 before the described service supply stop period, the service stop notification unit 510 and the service stop execution unit 511 detect the payment completion flag of the billing ID. Since it does not operate, the supply of service is continued (S106).

  After the service stop execution means 511 stops the supply of the contractor's service, when the contractor payment determination means 506 confirms the payment of the delinquent utility bill, the supply of the service is resumed (S108). . Specifically, the service restart notification unit 512 operates by detecting both the payment completion flag by the contractor payment determination unit 506 and the service stop flag. Specifically, on the transaction display screen of the contractor's user terminal 4, the date and time of the service supply resumption work, the contents of the work, etc. are displayed (S109). If the contractor can cope with the displayed contents, the arrangement for the service supply resuming work is completed by clicking the approval button on the transaction display screen (S111).

  For example, when the public company is a power supply company, it is necessary to turn off all the electric devices since there is a risk of a fire when the service supply is resumed. Previously, the schedule was adjusted by telephone after confirming payment of the utility bill. However, in the utility bill electronic settlement system with the service supply management function according to the present invention, the contractor is displayed on the transaction display screen. Confirm the response to the cautions and click the Accept button to complete the procedure.

  As a result, the contractor can complete all the procedures at one time after the procedure for transferring the delinquent utility bills, and can promptly recover the infrastructure.

  When the contractor approves the date and time of the service supply resuming work notified by the service restart notifying means 512, the contents of the work, etc., the service resuming execution means 513 informs the construction department server 3 the date and time of the service supply resuming work and the contractor. The information necessary for the construction work such as the address and name is sent (S112). The department in charge of construction carries out construction for resuming service supply based on the transmitted information (S113).

  If the contractor payment determination means 506 does not confirm the payment without payment by the contractor thereafter, the service supply stop is maintained (S110).

  Moreover, the utility bill electronic payment system 1 having the service supply management function of the present invention can perform a procedure related to the contract contents on the transaction display screen. This procedure includes procedures that require construction for the provision of services such as relocation of address, cancellation of contract, change of contract content, etc., and it is possible to apply for construction on the transaction display screen. FIG. 6 shows a flow when the address transfer procedure is performed on the transaction display screen.

  Specifically, in the contractor's user terminal 4, when an address transfer procedure that requires construction is selected from a check box on the transaction display screen, the construction information display means 507 is necessary for address transfer from the service supply DB 133. Information on necessary construction works and schedules for construction work. Next, on the transaction display screen of the contractor's user terminal 4, along with information on the construction necessary for address transfer, a schedule that allows construction can be selected. The user terminal 4 of the contractor selects a desired date for the address transfer work based on the information. The construction schedule adjustment means 508 transmits information necessary for construction such as the contractor's name, address, and new address to the construction department in addition to the selected desired construction date. The department in charge of construction carries out address relocation work based on the information transmitted by the construction schedule adjustment means 508.

  In the conventional payment method of public charges, the monthly transfer fee payment was generally made by bank transfer, and each month's payment had to be made with a special transfer form and cash. However, in the utility bill electronic payment system 1 having the service supply management function of the present invention, it is possible to easily perform the monthly transfer procedure at home or on the go by performing electronic payment using the Internet or a mobile phone. Can do. Further, by using a credit card, a cash card or the like, it becomes possible to use an information terminal of a convenience store or an ATM terminal of a financial institution. As a result, it is not necessary to bring cash, and the payment object can be specified on the operation screen, so that the transfer procedure can be performed even when the dedicated transfer form is lost.

  In addition, when the supply of services is stopped due to the delinquency of public charges, the transfer procedure can be performed at any time from a personal computer and a mobile phone, so the supply of public services as infrastructure can be quickly recovered. In the present invention, since the service supply management function is provided, it is possible to simultaneously perform the transfer procedure for public utility charges and the construction procedure for resuming the service supply, and to recover more quickly. In addition, if the credit card settlement function is used, a transfer can be made by confirming credit information, so that a quicker procedure can be performed.

1 is a functional block diagram of a utility bill electronic payment system 1 having a service supply management function according to an embodiment of the present invention, a construction department server 3, a contractor user terminal 4, and the like. FIG. It is a structural example of the database in the memory | storage part 13 of FIG. It is a flowchart of a contractor user terminal, a public enterprise server, and a financial institution server in a normal transaction of the utility bill electronic payment system 1 having a service supply management function according to an embodiment of the present invention. It is explanatory drawing in case a jump money generate | occur | produces in the jump money prevention means 514. FIG. It is a flowchart at the time of payment being delinquent in the utility bill electronic payment system 1 provided with the service supply management function which concerns on embodiment of this invention. It is a flowchart in the case of performing the procedure of the address transfer in a transaction display screen of the utility bill electronic payment system 1 provided with the service supply management function which concerns on embodiment of this invention.

Explanation of symbols

1 Electronic utility payment system with service supply management function 2 Communication network 3 Construction department server 4 Contractor (user terminal)
5. Contractor (mobile phone terminal)
6 Convenience stores (information terminals)
7 Financial institutions (ATM terminals)
8 Financial institution server 11, 31, 41, 81 Transmission / reception unit 12, 32, 42, 82 Central processing unit 13, 33, 43, 83 Storage unit 14, 34, 44, 84 Input unit 15, 35, 45, 85 Output 131 Contractor DB
132 Claim Management DB
133 Service supply DB
501 Transmission / reception processing means 502 Input / output means 503 Transaction display means 504 Utility charge transfer means 505 Transfer information acquisition means 506 Contractor payment determination means 507 Construction information display means 508 Construction schedule adjustment means 509 Payment reminder notification means 510 Service stop notification means 511 Service Stop execution means 512 Service restart notification means 513 Service restart execution means 514

Claims (4)

A utility bill electronic payment system that uses a server device of a public service provider to manage a contractor's utility bill settlement and service supply on a communication network,
Transaction display means for displaying the service usage status and billing amount of the contractor for each contractor on the contractor's user terminal via the communication network;
The public who performs the transfer procedure via the communication network from the financial institution selected on the transaction display screen of the contractor's user terminal to the bill displayed by the transaction display means to the account of the financial institution designated by the public operator Charge transfer means,
Transfer information acquisition means for acquiring the contents of the transfer procedure performed on the transaction display screen of the contractor's user terminal by the utility bill transfer means via a communication network;
Payment information sent from the financial institution server with the designated account of the public operator when the deposit is received from the financial institution where the contractor has made the transfer procedure, and the transfer A contractor payment determination unit that compares the transfer information acquired by the information acquisition unit, determines that the payment is for a specific request of the contractor, and performs a process of depositing the accounts receivable;
In the transaction display means, when change information that requires construction such as transfer of address, cancellation of contract, etc. is entered on the transaction display screen of the contractor's user terminal, the content of the necessary work based on the changed content And construction information display means for displaying information on a schedule for which construction is possible on the transaction display screen of the contractor's user terminal,
In the information on the schedule for which construction is possible displayed by the construction information display means, the construction schedule desired by the contractor entered by the user terminal of the contractor is acquired, and the desired construction date and the contractor are acquired in the construction department server. Construction schedule adjustment means to send information necessary for construction work such as address, name, etc.,
A utility bill electronic settlement system having a service supply management function. Payment reminder notification for notifying the contractor's user terminal of a payment reminder of the service suspension deadline via the communication network when the contractor payment determination means cannot determine the contractor's payment by a predetermined time limit Means,
Service stop notification means for notifying the contractor's user terminal of the service stop via the communication network when the contractor payment determination means cannot determine the contractor's payment by the service stop deadline, and the construction department Service stop execution means for transmitting information necessary for the execution of the construction such as the date and time of the service stop construction and the contractor's address and name to the server of
After the service stop by the service stop execution means, when the contractor payment determination means can determine the contractor's payment, the contractor's user terminal is notified to the contractor's user terminal via the communication network A service resumption notification means for notifying the contents;
Service restart execution means for transmitting information necessary for the execution of the construction such as the date and time of the service restart construction and the contractor's address, name, etc. to the server in charge of the construction,
The utility bill electronic settlement system having a service supply management function according to claim 1.   3. The service supply management function according to claim 1, wherein the utility fee transfer means is configured to transmit the deposit information of the contractor from the financial institution server in real time by being performed by a credit card. Utility payment system.   When the contractor performs the transfer procedure for the current month in the state where the payment for the previous month has not been paid, the contract display means informs that the previous month has not been paid in the transaction display means, and the utility charge transfer means 4. The method according to claim 1, further comprising a jump-in prevention means for notifying that the payment for the current month related to the procedure is applied to the payment for the previous month that has not been paid. Utility bill electronic payment system with service supply management function.

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