JP2013131239A - Receiving system, settlement device, and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a payer to pay a charge by a payment method not supporting a bill sent from a receiving company, without imposing a load to a receiving company or a financial institution.SOLUTION: A terminal device 20 transmits barcode information which is read from a bill 10 to be paid at a convenience store. A barcode settlement center device 30 causes the terminal device 20 to display a payment amount and a name of the payment object obtained based on the barcode information, and when receiving information indicating the utilization of ATM payment, generates a settlement number, stores it associated with the barcode information, and makes the settlement number to be displayed on the terminal device 20. When the payer performs payment by inputting the settlement number to an ATM 40, the settlement number and the completion of payment are sent to the barcode settlement center device 30. The barcode settlement center device 30 sends barcode information corresponding to the received settlement number to a receiving company device 50. The receiving company device 50 then performs deletion processing of a charge identified by the received barcode information.

Description

  The present invention relates to a storage system, a settlement apparatus, and a computer program for storing a bill.

2. Description of the Related Art In recent years, convenience store storage that pays for services and products at a convenience store (hereinafter also referred to as “convenience store”) and deposits the paid price from the convenience store to a storage company has been widely used.
On the other hand, Patent Document 1 describes an ID transfer service system in which a transfer ID, transfer destination information, and transaction information are stored in association with each other and the transfer is performed using the transfer ID.

JP 2004-287935 A

  In this convenience store storage, an invoice printed with a convenience store barcode indicating the payer, payment object, amount, etc. is used. The bill charged by the convenience store storage invoice is paid by a bank ATM (Automatic Teller). There is a need to pay at (Machine). However, bank ATMs that are currently widely used do not have a bar code reading function, and if a bar code reading function is to be added to a bank ATM, the cost and time required for hardware modification becomes enormous. Is not realistic. However, if the technique of Patent Document 1 is used as it is, it is necessary to generate and register bank information and transaction information in advance in the storage company even though the payer does not know whether or not to pay by ATM. There will be a burden on the storage company.

  The present invention has been made in view of the above circumstances, and the payer pays the price by a payment method that does not correspond to the bill sent by the storage company without burdening the storage company or the financial institution. It is an object of the present invention to provide a storage system, a settlement apparatus, and a computer program that enable this.

  In order to solve the above problems, the present invention is a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays a price are connected via a network. The payment device is configured to receive, from the terminal device, payment information including at least information for specifying a payment object and information for specifying a payer in a bill from the storage company, and payment amount information; The payer selected from the screen control unit that transmits and displays the payment amount obtained based on the payment information received by the information receiving unit to the terminal device, and the terminal device that displays the payment amount Receiving payment method information, and assigning a settlement number when the payment method indicated by the information is payment using the payment system, the assigned settlement number, and An information generating unit that associates the payment information received by the information receiving unit with the payment information stored in the payment device storage unit, and a payment number notification unit that notifies the terminal device of the payment number generated by the information generation unit. When the payment number and the payment completion notification are received from the payment system, the payment information corresponding to the received payment number is read from the payment device storage unit and the read payment information is transmitted to the storage company device. A payment notification unit, and the payment system receives the payment number, and when the payment process requested by the storage company is performed, the payment number and the payment A notification unit that notifies the payment device of completion, and the storage company device stores the payment information, and stores the payment information from the payment device. Receiving, and a clearing unit for writing information indicating the paid in association with the received the payment information to the receiving company device storage unit, a storage system, characterized in that.

  The present invention is also a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays for a price are connected via a network, wherein the payment apparatus Is a payment device storage unit that stores the name of the payment object in association with information for specifying the payment object, and information for specifying the payment object and information for specifying the payer in the bill from the storage company from the terminal device. An information receiving unit that receives payment information including at least information on the amount of payment, and the name of the payment target based on information that identifies the payment target included in the payment information received by the information receiving unit A screen control unit that reads from the payment device storage unit and transmits the read name of the payment object to the terminal device for display, and the terminal device that displays the name of the payment object Information on the payment method selected by the payer, and when the payment method indicated by the information is payment using the payment system, a payment number is assigned, the assigned payment number, and the information receiving unit An information generation unit that writes the payment information received in association with the payment device storage unit, a payment number notification unit that notifies the terminal device of the payment number generated by the information generation unit, and a payment number from the payment system And when the payment completion notification is received, the payment information corresponding to the received payment number is read from the payment device storage unit, and the payment notification unit transmits the read payment information to the storage company device. The payment system receives the input of the settlement number, and when the payment process requested by the storage company is performed, A notification unit that notifies the settlement device of the completed number and payment completion, and the storage company device receives and receives the payment information from the storage company device storage unit that stores the payment information. And a consumption unit that writes information indicating payment in correspondence to the payment information to the storage company device storage unit.

  Further, according to the present invention, in the storage system described above, the payment device receives a payment number from the payment system, and bills from the payment information stored in the payment device storage unit corresponding to the received payment number. An information search unit that reads and returns the information, and the notification unit of the payment system transmits the input settlement number to the settlement apparatus, and the billing amount corresponding to the transmitted settlement number is transmitted. In addition to receiving the information, the payment apparatus is notified of the payment completion when the charged amount is paid.

  Further, in the storage system described above, in the storage system described above, when the application notification unit receives the payment completion notification, the bill specified by the payment information corresponding to the received payment number is paid. The information indicating that the payment information is written in the payment device storage unit, and the payment information in which the information indicating that payment has been made is read from the payment device storage unit and transmitted to the storage company device. .

  In the storage system described above, the notification unit of the payment system notifies the payment apparatus of the payment number input to the automatic teller machine and performs a payment process by the automatic teller machine. When the payment is made, the payment apparatus is notified of the completion of payment.

  In the storage system described above, the terminal device may be configured such that the terminal device reads an image indicating the payment information and transmits the payment information indicated by the image read by the reading unit to the payment device. And a transmission unit.

  Further, the present invention is the payment apparatus in a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays a price are connected via a network. An information receiving unit for receiving payment information including at least information for specifying a payment object and information for specifying a payer in a bill from the storage company and information on a payment amount, and the information receiving unit from the terminal device; A screen controller that transmits and displays the payment amount obtained based on the received payment information to the terminal device, and information on the payment method selected by the payer from the terminal device that displays the payment amount When the payment method indicated by the information is payment using the payment system, a payment number is assigned, and the assigned payment number and the information receiving unit receive the payment number. An information generation unit that writes the payment information in association with the payment device storage unit, a payment number notification unit that notifies the terminal device of the payment number generated by the information generation unit, and a payment number and payment completion from the payment system The payment information corresponding to the received payment number is read from the payment device storage unit, and the payment notification unit transmits the read payment information to the storage company device. Is a settlement apparatus characterized by

  In addition, the present invention is used as the settlement apparatus in a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays a price are connected via a network. An information receiving unit for receiving payment information including at least information for specifying a payment object and information for specifying a payer in a bill from the storage company, and information on a payment amount from a terminal device, the information receiving unit A screen control unit that transmits and displays the payment amount obtained based on the payment information received by the terminal device, and receives information on the payment method selected by the payer from the terminal device that displays the payment amount. A payment number is assigned when the payment method indicated by the information is payment using the payment system, and the assigned payment number; An information generation unit that writes the payment information received by the information reception unit in association with the payment device storage unit, a payment number notification unit that notifies the terminal device of the payment number generated by the information generation unit, and payment from the payment system An application notifying unit for reading the payment information corresponding to the received payment number from the payment device storage unit and transmitting the read payment information to the storage company device when a notification of the number and payment completion is received; It is a computer program characterized by making it function as.

  According to the present invention, there is no change in a storage company including a storage company device or a form for storing an existing convenience store, and it is issued from a storage company for storing a convenience store without adding a function to the ATM of the financial institution. The payer who received the invoice can pay the amount charged by the ATM on the invoice. Thus, more payment channels are available to the payer. In addition, financial institutions can guide convenience store payments to financial institutions with only minor changes to the core system.

It is a figure which shows the operation | movement outline | summary of the storage system by one Embodiment of this invention. It is a figure which shows the transition of the screen displayed on the terminal device in the storage system by the embodiment. It is a block diagram which shows the structure of the storage system by the embodiment. It is a figure which shows the information memorize | stored in the storage system by the embodiment. It is a figure which shows the flow of a process in the storage system by the embodiment.

Examples of embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an outline of a storage system according to an embodiment of the present invention.
First, the storage organization that stores the service fee mails the bill 10 on which the barcode 11 is printed to the payer (step S1). The bill 10 is a bill used at a convenience store. The barcode information indicated by the barcode 11 printed on the bill 10 includes the identification of the payee company as a payment target and the service user. Includes information such as the identity of a payer and the amount paid. In order to pay the billed price, the payer first activates the payment application of the terminal device 20 such as a mobile phone held by the payer and reads the barcode 11 printed on the bill 10 (step S2). . The terminal device 20 transmits the barcode information as the payment information indicated by the read barcode 11 to the barcode payment center device 30 held by the barcode payment center which is an ASP (Application Service Provider) (step S3). ).

  The barcode settlement center device 30 checks the validity of the barcode 11 based on the received barcode information (step S4), and if it is valid, displays the payment content and the payment method on the terminal device 20 (step S5). When the payer selects payment by ATM (Automatic Teller Machine) as a payment method, a notification that payment by ATM is selected is transmitted to the bar code settlement center apparatus 30 (step S6). The bar code payment center device 30 registers the received bar code information in its own database (DB), and also uses a key used for payment by ATM, for example, payment used in an electronic payment service such as Paige (registered trademark). A number is issued and registered in the database in association with the barcode information (step S7). The barcode settlement center device 30 displays the issued settlement number on the terminal device 20 (step S8).

  The payer inputs the settlement number displayed on the terminal device 20 to the ATM 40 of the financial institution, and further inserts cash or inserts a cash card to pay the price (step S9). At this time, the price paid by the payer is deposited into a separate account for temporarily pooling the price paid by the financial institution. The financial institution communication device 45 notifies the barcode settlement center device 30 of the settlement number input at the time of payment at the ATM 40 and the application information indicating the completion of the payment (step S10).

  The barcode settlement center apparatus 30 identifies barcode information corresponding to the settlement number set in the received application information, and generates a file describing the identified barcode information (step S11). When the bar code settlement center device 30 receives a query to be erased from the storage company device 50, it returns the generated file. At this time, the file may be transmitted through a storage agency. The storage company device 50 cancels the bill specified by the bar code information described in the received file (step S12).

  The financial institution deposits the payments from a plurality of payers pooled in a separate account into the bar code settlement center account (step S13), and then the bar code settlement center device stores each item from the bar code settlement center account. The money is deposited into the company account (step S14).

FIG. 2 is a diagram illustrating transition of screens displayed on the terminal device 20.
First, when the payer selects the menu for the fee payment function of the terminal device 20, an initial screen G1 is displayed on the display. The initial screen G1 displays a barcode reading instruction. When the payer photographs the barcode 11 printed on the bill 10 by the terminal device 20, the terminal device 20 displays the procedure start screen G2. The procedure start screen G2 displays that the reading of the barcode has been completed and a confirmation button for accessing the barcode settlement center device 30. When the payer presses the confirmation button on the procedure start screen G <b> 2, the terminal device 20 transmits the barcode information indicated by the photographed barcode 11 to the barcode settlement center device 30.

  The bar code settlement center device 30 transmits to the terminal device 20 screen data of a payment content display screen G3 that displays a payment content such as a payee and payment amount and a confirmation button for the payment content. When the payer confirms the payment content on the payment content display screen G3 displayed on the terminal device 20 and presses the confirmation button, information indicating that the confirmation button has been pressed is notified to the barcode settlement center device 30.

  The bar code settlement center device 30 displays screen data of a payment method selection screen G4 that displays a button for selecting whether to pay by mobile banking or payment by ATM and a confirmation button for the billing by the bill 10. Is transmitted to the terminal device 20. When the payer selects payment by mobile banking on the payment method selection screen G4 displayed on the terminal device 20 and presses the confirmation button, the bar code settlement center device 30 displays a list of financial institutions used for payment, A financial institution selection screen for selecting a financial institution to be used is displayed on the mobile phone, and payment processing by mobile banking starts. On the other hand, when the payer selects an ATM payment request on the payment method selection screen G4 displayed on the terminal device 20 and presses the confirmation button, the terminal device 20 selects the ATM payment to the bar code settlement center device 30. Notify that it has been done.

  When the bar code payment center device 30 generates a payment number to be used for ATM payment, the bar code payment center device 30 transmits screen data of a payment number display screen G5 for displaying the generated payment number and a confirmation button. The settlement number includes a storage organization number that identifies the storage organization, a customer number, and a confirmation number. When the payer presses a confirmation button on the settlement number display screen G5 displayed on the terminal device 20, the terminal device 20 notifies the barcode settlement center device 30 that the settlement number has been confirmed. The payer stores the screen data of the displayed settlement number display screen G5 in the terminal device 20. Then, when paying the price at the ATM 40, the settlement number display screen G5 is displayed again on the terminal device, and the displayed settlement number is input to the ATM 40.

FIG. 3 is a diagram showing a configuration of a storage system according to an embodiment of the present invention, and only functional blocks related to the present invention are extracted and shown.
The terminal device 20 is realized by a computer terminal such as a mobile phone, for example, and includes a communication unit 21, an input unit 22, a storage unit 23, a display unit 24, a reading unit 25, and an information processing unit 26. The communication unit 21 transmits and receives information via a network 60 including a mobile phone network and the Internet network. The input unit 22 is a button or the like, and receives information input by a payer's operation. The storage unit 23 stores various data. The display unit 24 is a display such as an LCD (Liquid Crystal Display). The reading unit 25 is a barcode reader, a camera, or the like, and reads the barcode 11.

The information processing unit 26 includes a display control unit 261 and an information transmission unit 262. The display control unit 261 displays screen data on the display unit 24. The information transmission unit 262 notifies the barcode settlement center device 30 of barcode information (payment information) indicated by the barcode 11 read by the reading unit 25, information indicating the payment method selected by the input unit 22, and the like. .
When the terminal device 20 is a mobile phone, the terminal device 20 further includes a receiver and a transmitter, and a voice processing unit (not shown) for controlling them.

The bar code payment center device 30 can be composed of, for example, one or a plurality of servers, and includes a communication unit 31, a storage unit 32 (payment device storage unit), and an information processing unit 33.
The communication unit 31 transmits and receives information via the network 60 and the network 61. For example, the communication unit 31 can be configured by different communication servers connected to the network 60 and the network 61, respectively. The network 61 is a secure closed network, for example, a network such as a multi-payment network that connects storage companies and public organizations to various financial institutions. The storage unit 32 includes information on the payee's company and payment details, barcode information, a settlement number corresponding to the barcode information, a payment status indicating whether or not the bill specified by the barcode information is paid, etc. Various types of information are stored. The information processing unit 33 writes and reads information to and from the storage unit 32 and outputs information to other devices.

  The information processing unit 33 includes an information reception unit 331, a screen control unit 332, an information generation unit 333, an information search unit 334, and a consumption notification unit 335. The information receiving unit 331 receives barcode information and payment method selection information from the terminal device 20. The screen control unit 332 transmits screen data to be displayed to the terminal device 20. When the payment method selection information received from the terminal device 20 indicates payment by ATM, the information generation unit 333 generates a payment number used for payment by ATM, and displays the barcode information and the generated payment number. Write to the storage unit 32 in association with each other. When the payment number is received from the financial institution communication device 45, the information search unit 334 searches the storage unit 32, reads out the payment content information corresponding to the received payment number, and returns it. Upon receipt of the payment completion notification from the financial institution communication device 45, the application notifying unit 335 stores in the storage unit 32 a payment status indicating that the charge specified by the barcode information corresponding to the settlement number has been paid. Write. Further, the application notification unit 335 reads the barcode information whose payment status is paid from the storage unit 32, generates a file indicating a list of the read barcode information, and transmits the file to the storage company device 50.

The payment system of the institution used by the payer for payment is composed of the ATM 40 of the financial institution and the financial institution communication device 45.
The financial institution communication device 45 can be composed of, for example, one or a plurality of servers, and includes a communication unit 46 and a notification unit 47. The communication unit 46 transmits / receives information via the network 61 or transmits / receives information to / from the ATM 40 via a dedicated line. The financial institution communication device 45 may be connected to a core system of a financial institution connected to the ATM 40, for example, a billing host server (not shown). The notification unit 47 transmits the payment number input to the ATM 40 and a notification that the payment by the ATM 40 has been completed to the barcode payment center device 30, and the information on the payment contents received from the barcode payment center device 30. Notify and display.

  The storage company device 50 can be composed of, for example, one or a plurality of servers, and includes a communication unit 51, a storage unit 52 (storage company device storage unit), and an application unit 53. The communication unit 51 transmits and receives information via the network 60. The storage unit 52 stores various information such as information related to customers and information related to billing. The application unit 53 writes the information indicating that the payment has been completed from the barcode settlement center device 30 in correspondence with the barcode information to be applied described in the file, in the storage unit 52. Perform the erase process.

FIG. 4 shows information stored in each device.
The storage unit 32 of the barcode settlement center device 30 stores a company information master 321 and storage information 322.
The company information master 321 shows information related to a payee company, a company code and a manufacturer code for identifying the company, a company name of the company used for display on the terminal device 20, a service name to be paid, etc. Contains content information.

  The storage information 322 includes a company code of the storage company, a settlement number, a billing amount, barcode information, payment status information, and storage date / time information. The storage information 322 is generated when payment is made using mobile banking or a convenience store, or when payment is received by ATM, but a payment number other than ATM is not included. The settlement number includes information on a storage organization number that identifies a storage company, a customer number that identifies a payer, and a confirmation number. The bar code information is the same as the information indicated by the bar code 11, and includes a manufacturer code indicating the company code of the storage company, a free use list indicating the customer code of the payer, a reissue category, a due date for payment, a stamp flag. , Payment amount, check digit information. Here, it is assumed that the storage institution number of the settlement number and the company code of the barcode information are the same. However, when different code systems are used, information indicating the association is held.

The storage unit 52 of the storage company device 50 stores master data such as customer information 521 and billing information 522.
The customer information 521 indicates information related to the customer, and includes a customer code for identifying the customer, an address / name of the customer, an attribute of the customer, information on a contract with the customer, and the like.
The billing information 522 indicates information related to billing to the customer, and includes customer code, billing amount and billing content according to the bill 10, storage organization name, and barcode information indicating the content of the barcode 11 printed on the bill 10. The barcode information has the same data configuration as the barcode information in the storage information 322.

FIG. 5 is a diagram showing the flow of processing of the storage system.
First, the storage company mails the bill 10 to the payer (step S101). When the payer confirms the invoice 10 that has been mailed (step S102), the payer selects a menu for the fee payment function by the input unit 22 of the terminal device 20. Thereby, the display control unit 261 of the terminal device 20 reads the screen data of the initial screen G1 from the storage unit 23 and displays it on the display unit 24.

  When the payer photographs the barcode 11 printed on the invoice 10 with the reading unit 25, the display control unit 261 reads the screen data of the procedure start screen G2 from the storage unit 23 and displays it on the display unit 24 (step S21). S103). When the payer presses the confirmation button on the procedure start screen G2 using the input unit 22, the communication unit 21 stores the URL using the URL of the payment site stored in the storage unit 23 in advance or input to the terminal device 20. The code settlement center device 30 is accessed, and the information transmission unit 262 transmits the barcode information indicated by the photographed barcode 11 (step S104). The bar code information includes information on manufacturer code (company code), customer code, reissue category, payment due date, stamp flag, payment amount, and check digit.

  When receiving the barcode information, the information receiving unit 331 of the barcode settlement center apparatus 30 confirms the validity. Specifically, whether the company code set in the manufacturer code in the received barcode information is registered in the company information master 321, whether the check digit in the barcode information is correct, each of the barcode information The validity is confirmed based on whether the item attributes (numbers, etc.) are correct and the description format of each item is correct (for example, whether the due date of payment is described in the YYYYMMDD format) (step S105). When the validity of the received barcode information is confirmed, the screen control unit 332 of the barcode settlement center apparatus 30 searches the company information master 321 using the company code indicated by the received barcode information as a key, and the company name And the contents of the bill are read out. The screen control unit 332 generates screen data of the payment content display screen G3 for displaying the read company name and billing content, and transmits the screen data to the terminal device 20 (step S106).

  The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. When the payer confirms the company name (payee) and the billing content (payment amount) on the payment content display screen G3 displayed on the display unit 24, the confirmation button on the payment content display screen G3 is displayed on the input unit 22. Press. Thereby, the information transmission part 262 of the terminal device 20 transmits the notification to the effect that the payment content confirmation was input to the barcode payment center apparatus 30 (step S107).

  When the screen control unit 332 of the barcode settlement center device 30 receives the notification that the payment content confirmation has been input, the screen control unit 332 transmits the screen data of the payment method selection screen G4 to the terminal device 20 (step S108). The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. When the payer confirms the payment methods that can be used on the payment method selection screen G4 displayed on the display unit 24, the payer selects a payment method to be used for paying the amount charged by the invoice 10. The input unit 22 inputs the selection and presses the confirmation button. Here, it is assumed that payment by ATM is selected. The information transmission unit 262 transmits information indicating the selected payment method to the barcode settlement center device 30 (step S109).

  When the information on the payment method received from the terminal device 20 indicates payment by ATM, the information generation unit 333 of the barcode payment center device 30 assigns a payment number (step S110). However, since the storage organization number of the payment number uses the company code set in the manufacturer code in the barcode information (or the storage organization number of another code system corresponding to the company code), the same storage Assign a combination of customer number and confirmation number that is not yet used in the settlement number that uses the institution number. Then, the company code indicated by the manufacturer code in the received barcode information, the generated settlement number, the billing amount indicating the payment amount indicated by the received barcode information, the received barcode information, and unpaid The storage information 322 including the payment status shown is generated and written in the storage unit 32 (step S111). Subsequently, the screen control unit 332 transmits screen data of the settlement number display screen G5 for displaying the settlement number assigned in step S110 to the terminal device 20 (step S112). The display control unit 261 of the terminal device 20 displays the received screen data on the display unit 24. When the payer confirms the settlement number on the settlement number display screen G5 displayed on the display unit 24, the payer inputs an instruction to save the screen data through the input unit 22 and stores it in the storage unit 23 (step S113).

  After confirming the settlement number, the payer pays at the ATM 40 of the financial institution. First, the payer operates the terminal device 20 to display the screen data of the settlement number display screen G5 held in the storage unit 23 again. After the payer inputs an instruction to pay a fee using, for example, Paige (registered trademark) to the ATM 40, and when a screen for instructing the payment number is displayed, the payer Is input (step S114).

  When the notification unit 47 of the financial institution communication device 45 receives the settlement number and the inquiry instruction input to the ATM 40, the notification unit 47 transmits them to the barcode settlement center device 30. The information search unit 334 of the bar code payment center device 30 searches the storage unit 32 and identifies the storage information 322 in which the received payment number is set. When the storage information 322 is specified, the information search unit 334 specifies the company information master 321 using the company code set in the storage information 322 as a key. The information search unit 334 returns the received settlement number, the company name and billing content in the identified company information master 321, and information on the billed amount in the specified storage information 322 to the financial institution communication device 45 (step S 115). At this time, other information in the storage information 322, information generated or specified based on the specified company information master 321 and storage information 322 may be returned together. The financial institution communication device 45 transmits the information returned from the barcode settlement center device 30 to the ATM 40.

  The ATM 40 displays the information received from the barcode settlement center device 30 via the financial institution communication device 45 on the screen. The payer confirms the payment contents such as the payee's storage company, his / her customer number, the payment contents, and the charge amount displayed on the screen of the ATM 40 (step S116). When the payer confirms the payment content, the payer executes payment by cash or a cash card (step S117). When the payment processing for the charged amount is completed, the ATM 40 notifies the financial institution device 45 of the completion of payment. The notification unit 47 of the financial institution apparatus 45 transmits to the barcode settlement center apparatus 30 the application information in which the settlement number and the date and time when the payment is made are set. Upon receipt of the application information (step S118), the application notification unit 335 of the barcode settlement center apparatus 30 searches the storage unit 32 to identify the storage information 322 in which the application number in the application information is set. The payment status indicating payment and the storage date and time indicating the payment date and time in the application information are written in the specified storage information 322 (step S119). Note that the storage date and time may be the date and time when the barcode settlement center device 30 received the application information. Moreover, information on the amount actually paid may be further set in the application information. In this case, the application notification unit 335 checks the billing amount information set in the specified storage information 322 and the payment amount set in the application information, and if they match, You may make it write the payment status to show, and the storage date and time which show the payment date and time in application information.

  The application notifying unit 335 of the barcode settlement center device 30 searches the storage unit 32 every predetermined time or in response to an inquiry from the storage company device, the payment status is paid, and the storage date / time is The barcode information is read from the storage information 322 after the previous search date and time, and the information to be erased, which is a file describing the read barcode information, is set as the storage information 322 from which the barcode information is read. It is generated for each company code and transmitted to the storage company device 50 specified by the company code. The storage information 322 read at this time may include information paid by a payment method other than ATM payment, for example, payment made by mobile banking or convenience store storage. In step S109, when the payer selects payment by mobile banking and the payment is completed, the barcode information received in step S105, the storage date and time indicating the date and time when payment is completed by mobile banking, and the payment indicating payment are completed. Storage information 322 including information on status is registered in the storage unit 32. Alternatively, in the case of convenience store storage, the barcode 11 information read from the invoice 10 and the payment date / time information are received and received from the point-of-sale (POS) system of the convenience store. Storage information 322 including information on the barcode information, the storage date and time indicating the received payment date and the payment status indicating paid is registered in the storage unit 32.

The application unit 53 of the storage company device 50 searches the storage unit 52 and confirms that the barcode information set in the application target information is registered in the billing information 522 (step S121). Corresponding to the barcode information, information indicating payment is written in the storage unit 52, and the billing information is erased (step S122).
In the above, transmission of the information to be erased from the barcode settlement center device 30 is performed at a predetermined time in the day or when a regular inquiry from the storage company device 50 is received. However, every time the consumption information is received from the storage information 322 and the consumption process is performed, the barcode information read from the storage information 322 that has been subjected to the consumption process is notified to the storage company device 50. Also good.

  The barcode may be a two-dimensional barcode, and instead of the barcode, it may be another image representing data corresponding to barcode information (payment information) in a graphic form, and directly reads characters. It may be. Alternatively, information corresponding to the barcode information may be manually input by the input unit 22.

  According to the above embodiment, there is no change in the storage company including the storage company device and the existing convenience store storage form, and the payment method that can be used by the payer who has received the convenience store payment invoice Will be able to pay the invoiced charges with different ATM payments. For payment of the price, it is possible to use a payment service using an existing ATM, for example, a mechanism of Paige (registered trademark). Therefore, there is no change in the ATM of the financial institution, and only a minor change to the backbone system for communicating with the storage company device 50 is required. In this way, the payer can pay the payment by a payment method that does not correspond to the bill sent by the storage company without imposing a burden on the storage company or the financial institution.

  The terminal device 20, the barcode settlement center device 30, the ATM 40, the financial institution communication device 45, and the storage company device 50 described above have a computer system therein. And the process of operation of the information processing unit 26 of the terminal device 20, the information processing unit 33 of the barcode settlement center device 30, the ATM 40, the notification unit 47 of the financial institution communication device 45, and the application unit 53 of the storage company device 50 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 this program. The computer system here includes a CPU, various memories, an OS, and hardware such as peripheral devices.

Further, the “computer system” includes a homepage providing environment (or display environment) if a WWW system is used.
The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Furthermore, the “computer-readable recording medium” dynamically holds a program for a short time like a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line. In this case, a volatile memory in a computer system serving as a server or a client in that case, and a program that holds a program for a certain period of time are also included. The program may be a program for realizing a part of the functions described above, and may be a program capable of realizing the functions described above in combination with a program already recorded in a computer system.

  The present invention is not limited to the embodiment described above, and various modifications can be made without departing from the spirit of the present invention, and it goes without saying that these are also included in the scope of the present invention. Yes.

DESCRIPTION OF SYMBOLS 10 ... Bill 11 ... Barcode 20 ... Terminal device 21 ... Communication part 22 ... Input part 23 ... Storage part 24 ... Display part 25 ... Reading part 26 ... Information processing part 261 ... Display control part 262 ... Information transmission part 30 ... Bar Code settlement center device (settlement device)
31 ... Communication unit 32 ... Storage unit (settlement device storage unit)
33 ... Information processing unit 331 ... Information receiving unit 332 ... Screen control unit (settlement number notification unit)
333 ... Information generation unit 334 ... Information search unit 335 ... Consumption notification unit 45 ... Financial institution communication device 40 ... ATM
46 ... Communication unit 47 ... Notification unit 50 ... Storage company device 51 ... Communication unit 52 ... Storage unit (storage company device storage unit)
53 ... Consumption section 60, 61 ... Network

Claims (8)

A storage system in which a payment device, a storage company device of a storage company, and a payment system of a financial institution in which a payer pays for a price are connected via a network,
The settlement device
An information receiving unit for receiving payment information including at least information for specifying a payment target and information for specifying a payer in a bill from the storage company, and information on a payment amount, from a terminal device;
A screen control unit for transmitting and displaying the payment amount obtained based on the payment information received by the information receiving unit to the terminal device;
Receiving information on the payment method selected by the payer from the terminal device that has displayed the payment amount, and assigning a settlement number if the payment method indicated by the information is payment using the payment system; An information generating unit that associates the assigned payment number with the payment information received by the information receiving unit and writes the information to the payment device storage unit of the payment device;
A payment number notification unit for notifying the terminal device of the payment number generated by the information generation unit;
When receiving a payment number and payment completion notification from the payment system, the payment information corresponding to the received payment number is read from the payment device storage unit, and the read payment information is transmitted to the storage company device. With an application notification section,
The payment system is
A notification unit for receiving the input of the settlement number and notifying the settlement apparatus of the input settlement number and payment completion when the payment process requested by the storage company is performed;
The storage company device is:
A storage company device storage unit for storing the payment information;
An application unit that receives the payment information from the payment device and writes information indicating payment in correspondence with the received payment information in the storage company device storage unit;
Comprising
A storage system characterized by that. A storage system in which a payment device, a storage company device of a storage company, and a payment system of a financial institution in which a payer pays for a price are connected via a network,
The settlement device
A payment device storage unit that stores the name of the payment object in association with information specifying the payment object;
An information receiving unit for receiving payment information including at least information for specifying a payment target and information for specifying a payer in a bill from the storage company, and information on a payment amount, from a terminal device;
Based on the information specifying the payment object included in the payment information received by the information receiving unit, the name of the payment object is read from the settlement device storage unit, and the read name of the payment object is transmitted to the terminal device. A screen control unit to be displayed,
Information on the payment method selected by the payer is received from the terminal device that displays the name of the payment object, and the payment number is set when the payment method indicated by the information is payment using the payment system. An information generation unit that writes the assigned payment number and the payment information received by the information receiving unit to the payment device storage unit in association with each other;
A payment number notification unit for notifying the terminal device of the payment number generated by the information generation unit;
When receiving a payment number and payment completion notification from the payment system, the payment information corresponding to the received payment number is read from the payment device storage unit, and the read payment information is transmitted to the storage company device. With an application notification section,
The payment system is
A notification unit for receiving the input of the settlement number and notifying the settlement apparatus of the input settlement number and payment completion when the payment process requested by the storage company is performed;
The storage company device is:
A storage company device storage unit for storing the payment information;
An application unit that receives the payment information from the payment device and writes information indicating payment in correspondence with the received payment information in the storage company device storage unit;
Comprising
A storage system characterized by that. The settlement device
An information search unit that receives a payment number from the payment system, and reads and returns information on the amount billed from the payment information stored in the payment device storage unit corresponding to the received payment number;
The notification unit of the payment system is
The settlement number received is transmitted to the settlement apparatus, and information on the billed amount is received in response to the transmitted settlement number. Notify the payment device,
The storage system according to claim 1, wherein the storage system is a storage system. When the payment notifying unit receives the payment completion notification, the application notifying unit writes information indicating that the bill specified by the payment information corresponding to the received settlement number has been paid to the settlement device storage unit In addition, payment information in which information indicating payment has been made is read from the payment device storage unit and transmitted to the storage company device.
The storage system according to any one of claims 1 to 3, wherein: The notifying unit of the payment system notifies the payment apparatus of the payment number input to the automatic teller machine, and when payment processing is performed by the automatic teller machine, the payment completion is notified to the payment apparatus. Notice,
The storage system according to any one of claims 1 to 4, wherein: The terminal device
A reading unit that reads an image indicating the payment information;
An information transmission unit that transmits the payment information indicated by the image read by the reading unit to the payment apparatus;
The storage system according to any one of claims 1 to 5, wherein: The settlement apparatus in a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays a price are connected via a network,
An information receiving unit for receiving payment information including at least information for specifying a payment target and information for specifying a payer in a bill from the storage company, and information on a payment amount, from a terminal device;
A screen control unit for transmitting and displaying the payment amount obtained based on the payment information received by the information receiving unit to the terminal device;
Receiving information on the payment method selected by the payer from the terminal device that has displayed the payment amount, and assigning a settlement number if the payment method indicated by the information is payment using the payment system; An information generation unit that associates the assigned payment number with the payment information received by the information reception unit and writes the information to the payment device storage unit;
A payment number notification unit for notifying the terminal device of the payment number generated by the information generation unit;
When receiving a payment number and payment completion notification from the payment system, the payment information corresponding to the received payment number is read from the payment device storage unit, and the read payment information is transmitted to the storage company device. An application notification section;
A settlement apparatus comprising: A computer used as the settlement apparatus in a storage system in which a payment apparatus, a storage company apparatus of a storage company, and a payment system of a financial institution in which a payer pays a price are connected via a network;
An information receiving unit for receiving payment information including at least information for specifying a payment target and information for specifying a payer and information on a payment amount in a bill from the storage company from the terminal device;
A screen control unit for sending and displaying the payment amount obtained based on the payment information received by the information receiving unit to the terminal device;
Receiving information on the payment method selected by the payer from the terminal device that has displayed the payment amount, and assigning a settlement number if the payment method indicated by the information is payment using the payment system; An information generation unit that writes the assigned payment number and the payment information received by the information receiving unit in association with the payment device storage unit;
A payment number notification unit for notifying the terminal device of the payment number generated by the information generation unit;
When receiving a payment number and payment completion notification from the payment system, the payment information corresponding to the received payment number is read from the payment device storage unit, and the read payment information is transmitted to the storage company device. Application notification part,
A computer program that functions as a computer program.

Images