JP4641153B2 - Collection agency system, collection agency device, collection agency method, and collection agency program - Google Patents

Description

The present invention relates to a collection agency system, a collection agency device, a collection agency method, and a collection agency program , and is applied to, for example, a terminal, apparatus, system, or method for payment collected repeatedly such as a utility bill or installment fee Can do.

  Conventionally, there are cases where bank transfers are used to make payments convenient by collecting funds such as installment sales. In addition, a convenience store (hereinafter referred to as a convenience store) performs such a procedure for switching to bank transfer, thereby realizing the convenience of the payer and the elimination of the clerical work. In addition, convenience store stores have received various charges in cash on behalf of business operators, and have begun an accounting process that collects small payments. As a result, the overhead of office procedures can be reduced, and various accounting systems have been proposed.

However, the conventional techniques as described above have the following problems.
(1) Payment methods are based on bank transfer, including application procedures at convenience stores. Generally, in order to perform accounting processing for collecting money on behalf of a specialized financial company, an account transfer from a payer's account to an account of the agent is required. Therefore, none of them was a system for delegating accounting processing to a third party.
(2) After the business operator and the payer have decided the payment method, they request the agent to perform accounting processing for the collection. Therefore, even if cash payment at a convenience store can be included in the payer's options, it was not a system that realized procedures for switching from account transfer to cash payment, various accounting processes corresponding to cash payment, and the like.
(3) In many cases, accounting processing was performed mainly for the convenience of businesses. However, the payer may decide whether to transfer the account from his / her own account, whether to keep the balance of the account, whether the account itself is necessary, or balance with the funds on hand. The procedure was troublesome and there were various needs such as not wanting to be overdue, so I could not cope with them.

The present invention has been made in view of the above circumstances. In order to meet the needs of payers, cash payment as an option is realized from the procedural side, and the accounting processing entrusted by the operator is as originally intended. It is an object to provide a collection agency system, a collection agency device, a collection agency method, and a collection agency program to be completed.

In order to achieve the above-described object, the collection agency system according to claim 1 stores accounting data necessary for collecting payments repeated from the payer a plurality of times based on a contract with the payer, And a business server used by a business operator that collects the payment from the payer, and a representative that receives and stores the accounting data from the business server, and performs the collection of the money based on the accounting data And the business server and the proxy server can be connected to each other through a communication line, and the customer terminal that can be operated by the payer communicates with the business server and the proxy server. It is possible to connect through the line,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agency system for transmitting data and transmitting payment slip information for paying the payment at the convenience store to the customer terminal of the payer when the payment collection method is convenience store storage,
The substitution server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, When the change information requesting the switch from the account transfer to the convenience store storage or the switch from the convenience store storage to the account transfer of the price collection method is received , the change information is received ,
And, received as part of the change information, which is presented on the customer terminal and applied using the account transfer application input screen for inputting the data for the application of the account transfer such as the bank name and account number, Collection method switching request receiving means for providing the information file to the processing of the account transfer procedure for the financial institution ;
If the collection process switch request receiving unit receives the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housing Payment method changing means for switching to the fund transfer,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and became the information of the price collection method of the accounting data in the case, characterized in that the switch to the account transfer after switching from the convenience store storage.

The collection agent system according to claim 2 stores accounting data necessary for collecting payments from the payer a plurality of times based on a contract with the payer, and receives the payment from the payer. A business server used by a business operator to collect, and a proxy server used by an agent who receives and stores the accounting data from the business server and performs the collection of the price based on the accounting data. And the business server and the proxy server can be connected to each other through a communication line, and the customer terminal operable by the payer can be connected to the business server and the proxy server through a communication line,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agency system for transmitting data and transmitting payment slip information for paying the payment at the convenience store to the customer terminal of the payer when the payment collection method is convenience store storage,
The business server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, A collection method switching request receiving means for receiving the change information when a change information requesting a switch from the account transfer to the convenience store storage or a switch from the convenience store storage to the account transfer of the price collection method is transmitted; ,
Change information transmitting means for transmitting the change information received by the collection method switching request receiving means to the proxy server;
The proxy server is a part of the change information that is presented to the customer terminal and applied for application using the account transfer application input screen for inputting data for application for bank transfer such as bank name and account number. And provide this information file to the bank transfer process for the financial institution,
When receiving the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit or payment method changing switch to the direct debit from the convenience store housing With means ,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and became the information of the price collection method of the accounting data in the case, characterized in that the switch to the account transfer after switching from the convenience store storage.

The collection agent device according to claim 3 stores accounting data necessary for collecting payments from the payer a plurality of times based on a contract with the payer, and receives payment from the payer. It is possible to connect to a business server used by a business operator to collect and a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment Collecting agent device for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Or when the change information requesting the switch to the account transfer from the convenience store storage is received, the change information is received,
And, received as part of the change information, which is presented on the customer terminal and applied using the account transfer application input screen for inputting the data for the application of the account transfer such as the bank name and account number, Collection method switching request receiving means for providing the information file to the processing of the account transfer procedure for the financial institution ;
If the collection process switch request receiving unit receives the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housing Payment method changing means for switching to the fund transfer,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and became the information of the price collection method of the accounting data in the case, characterized in that the switch to the account transfer after switching from the convenience store storage.

According to a fourth aspect of the present invention, there is provided a collection agent method for storing accounting data required for collection of a plurality of payments from the payer based on a contract with the payer, and collecting the payment from the payer. A business server used by a business operator to collect, and a proxy server used by an agent who receives and stores the accounting data from the business server and performs the collection of the price based on the accounting data. The business server and the proxy server can be connected to each other through a communication line, and a customer terminal that can be operated by a payer can be connected through a communication line.
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agent method in a money collection agent system that transmits data and, when the fee collection method is convenience store storage, transmits payment slip information to the customer terminal of the payer,
The substitution server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, When the change information requesting the switch from the account transfer to the convenience store storage or the switch from the convenience store storage to the account transfer of the price collection method is received, the change information is received,
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. File for the account transfer process for the financial institution,
When receiving the change information, switch to switch the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housed in the debit
And when switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information,
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution This temporary classification data indicating the procedural status of the financial institution which is provisional and will be confirmed in the future by notification of completion of the account transfer procedure from the financial institution,
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. The information on the price collection method is switched from the convenience store storage to the account transfer after switching.

According to a fifth aspect of the present invention, the collection agent method stores accounting data necessary for collecting payments repeatedly from the payer based on a contract with the payer, and collects the payment from the payer. It is possible to connect to a business server used by a business operator to collect and a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment A collection agency method performed by a collection agency device for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Or when the change information requesting the switch to the account transfer from the convenience store storage is received, the change information is received,
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. File for the account transfer process for the financial institution,
When the change information is received, the information on the accounting data collection method is switched from the account transfer to the convenience store storage based on the change information, or the convenience store storage is switched to the account transfer,
And when switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information,
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution This temporary classification data indicating the procedural status of the financial institution which is provisional and will be confirmed in the future by notification of completion of the account transfer procedure from the financial institution,
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. The information on the price collection method is switched from the convenience store storage to the account transfer after switching.

The collection agent program according to claim 6 stores accounting data necessary for collecting payments from the payer a plurality of times based on a contract with the payer, and receives payment from the payer. It is possible to connect to a business server used by a business operator to collect and a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment To a collection agency for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Receiving the change information when the change information requesting the switch to the bank transfer or the switch from the convenience store storage to the account transfer is transmitted;
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. Providing the file to the account transfer process for the financial institution;
When the change information is received, based on the change information, the method of switching the accounting data fee collection method from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer; Let it run
And in the step of switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information;
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution Creating temporary provisional data indicating a procedural state of the financial institution which is provisional and will be determined in the future by a notice of completion of the account transfer procedure from the financial institution;
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. To switch the information of the price collection method from the convenience store storage to the account transfer after switching.

According to the present invention, it is possible to accept a payment method (payment collection method) switched by a payer and change the payment method of accounting data.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram for explaining a schematic configuration example of a collection agency system according to an embodiment of the present invention.
This system is used when a company entrusts a specialized financial company (agent) to collect money from customers (payers) for various businesses such as monthly installments. For the accounting process related to the collection of charges from, and through the Web server (accounting agent device, proxy server ) 1 installed on the local area network (LAN) of the agent , the Internet 2, etc. A general business operator's Web server (procedure device, business server ) 3 that can be connected to the Web server 1, and a payer's personal computer (hereinafter referred to as “the server”) that can communicate with the agent's Web server 1 through the Internet 2 and the Web server 3. , Abbreviated as a personal computer.) (Customer terminal) 5a, 5b... Instead of the Internet, for example, the company's extranet, intranet, or other telecommunications line may be used, or the configuration may be adapted to the operational use and connection scale for the agency work.

  An agent Web server (hereinafter abbreviated as a proxy server) 1 includes various databases 110 storing personal data relating to businesses and payers, accounting data relating to accounting processing, and the procedure terminal 3 via the Internet 2. Receiving function (consignment means) 120 that can receive accounting data (proxy information) in CSV format by FTP, HTTPS protocol, etc., and set account transfer and cash payment on the database 110, and these account transfers And a change function (switching means) 130 for changing the setting items of the database 110 related to cash payment based on a payer's switching instruction, and inquiries to the database 110 based on the accounting data, fees, charges, collection procedures, etc. A storage function 140 that performs integrated accounting processing, By publishing the accounting agent site of the agent on Netto 2, and includes registration of operators and the payer, reporting of the progress of the accounting process, and the public function to perform, such as management (Web site means) 150. The reception function may be integrated with the public function for the convenience of operation. As an example of cash payment, a store at a convenience store chain that is open for a long time is used as a specific window, and the convenience store storage that collects money for the agent at the headquarters and withdraws it from the headquarters account to the agent's account is taken as an example.

FIG. 2 is a schematic diagram for explaining an example of a schematic configuration of the database shown in FIG.
The database 110 includes a consignor master 111 that stores personal information and the like regarding a consignor who is a business operator, a customer master 112 that stores personal information and the like regarding a customer who is a payer, and a payer based on the accounting data. And a billing master 113 that stores billing information and the like. By setting predetermined management information in the consignor master 111, the customer master 112, and the billing master 113, the personal information of the consignor or the customer, or billing according to each access authority for the business operator and the payer Management of information creation, search, modification, deletion, etc.

  The consignor master 111 includes consignor information (registered consignor number, consignor name, postal code, address, telephone number, person in charge information (name, department name, contact information, extension number) regarding the registered business operator. , Email address)), initially scheduled collection type, which is a payment method that shows account transfer and convenience store storage, a transfer date to be deducted from the payer and convenience store headquarters account by the financial institution to the account of the agent (monthly in the case of account transfer 26 The date of the closing date can be set once every day or 8 days, or in the case of a convenience store, one or five times can be set, such as weekly, seasonal, biweekly, or monthly specific days) Have. As the collection type, one of “account transfer only”, “cash payment only”, and “payment” of these payment methods is set according to the business form. If the business type is a business form in which the business operator can handle the payment method for the convenience of the payer, “collective use” can be set as the collection type, and this case is used as a determination requirement for the process of receiving the instruction information from the business operator. That is, it is assumed that the business operator has a consumption contract relationship such as product purchase and service use with the payer, and based on this as a premise in the switching function, instruction information based on the request of the payer or business operator is accepted.

  The customer master 112 has a consignor number on the consignor master 111, customer information on registered payers (customer number set individually, customer name that is the name of the payer), account information (financial institution code, branch code). , Financial institution name, branch name, account type that shows ordinary account or current account, account number, account holder), postal savings information (passbook symbol, passbook number, account holder), switching of the original desired collection method, collection method Whether or not payment is switched to indicate whether it has been requested, a fixed amount initially desired as a collection amount desired by the payer, an address, a telephone number, and an e-mail address for a personal computer and a mobile phone.

  In the initially desired collection method, the same payment method as the collection type is set as a default value according to the collection type of the consignor master 111. If the collection type is “combined”, “account transfer” is set as a default value for convenience. The payment switching presence / absence is set to “No” as the default value, and is updated to “Yes” if any switching instruction is issued from the payment method initially set by the business operator. That is, when the payer switches the payment method through the payment method switching application screen or the like provided on the shopping site of the business operator, from the business operator's Web server (hereinafter referred to as business server) 3, Correction data (correction information) regarding the switching content is automatically transmitted and accepted by the change function 130. In addition, when an in-house procedure of the business operator is necessary in advance, the corrected data is received through the business server 3 after the procedure. Such a payment method switching application screen may be provided in the proxy server 1 as a part of the change function 130. In this case, the payment is performed by linking the accounting service site of the agent and the shopping site of the business operator. The method may be switched, and the business operator may be notified of the fact that the payment method has been switched when reporting the result of the accounting process.

  The billing master 113 is a consignor number on the consignor master 111, a billing date that is the closing date of the price collection, a handling number in the consignor for the company to manage internally, and a management number of the agent Collection number within collection agent, collection method for each case, which is a payment method specified for each collection of collection, convenience store storage deadline for payment at convenience store storage, customer number on customer master 112, Fixed amount that is the planned price, adjustment amount that the operator adjusts the fixed amount for the current period only, bill amount that the adjustment amount is adjusted to the fixed amount, partial deposit amount when storing at the convenience store, withdrawal account information about the payer's account, Billing status indicating the progress of accounting processing (in case of direct debit, “unprocessed”, “transfer requested”, “transfer completed”, “transfer NG”, reason (“insufficient balance”, “no transaction”) In case of convenience store storage “Unprocessed”, “Payment slip paid out”, “Accommodated”, and their classifications (“full collection”, “partial collection”), re-billing instruction). The customer number is automatically counted and set for each proxy reception.

FIG. 3 is a block diagram for explaining an example of a schematic configuration of the business server shown in FIG. 1.
Business server 3 includes a personal computer (Web site means) 4 for operators, this personal computer 4, accounting data of a predetermined manner, the transmission function of transmitting such to the accounting proxy server 1 correction data of the shopping site and (consignment means) 310, by accessing the proxy server 1, so as to correspond to the accounting data can be viewed and report information of the agent and, to link with the Web information, such as per shopping site this report information, also, And a browsing function 320 capable of setting a re-billing function (procedure complementing means) for the payer's arrears charges. The transmission function 310 uses a protocol in the reception function 120 of the Web server 1 and may be operated by being integrated with the browsing function 320 if necessary for convenience. For browsing, diverting, changing, and re-billing functions using the browsing function, it is sufficient that a predetermined script function or the like is valid in the browser for browsing the website, and the re-billing function is an accounting process for re-billing. Instruction data (instruction information) is transmitted to the Web server 1. In addition, even if the above-mentioned transmission function is realized as a dedicated change function (switching means) and browsing function for switching the payment method and transmission of correction data associated therewith, the business server itself is integrated with the business operator's personal computer. You may comprise.

FIG. 4 is a block diagram for explaining an example of a schematic configuration of the payer's personal computer shown in FIG.
The payers' personal computers 5a, 5b,... Can access the shopping site of the business server 3, and the various registration information in the database 110 is made to correspond to the accounting data through the browsing function 320 of the business server 3. browsed, and has a browsing function 520 can request mutual switching of the payment method, changing function payer to transfer modified data of a predetermined manner (the change information) to the accounting proxy server 1 (communication complementing unit, Switching means) 510 can be set. The change function 510 may be integrated with the browsing function 520, and the correction data is transmitted for switching the payment method by a predetermined script function or the like, but may be realized as a dedicated change function or browsing function. Good.

Next, an example of a collection agency method according to the embodiment of the present invention will be described. First, an example of a software process will be described with reference to an example of a flowchart shown in FIG. 5 and each diagram shown in FIGS.
As preparations, personal information, accounting data, and necessary management data are registered in advance from the personal computer 4 of the business operator in the consignor master 111, customer master 112, and billing master 113 of the database 110. Accordingly, when the payer does not request switching of the payment method, a predetermined accounting process is performed as in the originally scheduled procedure based on the initial values of the masters 111 to 113. In addition, for the convenience of the payer regarding the switching of the payment method, the business operator accesses the agent's accounting agency site through the Internet 2 in advance, and the payer's personal computer 3a is delegated via the business server 3. The server 1 can be connected. Hereinafter, an example in which the payer switches the payment method using the personal computer 5a will be described.

FIG. 6 is a format diagram for explaining a payment method switching application screen on the shopping site of the business server shown in FIG.
When the payer displays the payment method switching application screen 321 by the browsing function 510 of the personal computer 5 a by connecting the personal computer 5 a to the business server 3, the browsing function 320 of the business server 3 causes the business operator and the payer to The accounting data based on the sales contract with is inquired and displayed on the proxy server 1, and the payment method is permitted to the payer. At this time, in the business server 3, the transmission function 310 uses the consignor number, customer number, billing date, switching payment method, switching start date, and account transfer request when switching to account transfer. A switching acceptance process is performed in which information or the like is transmitted to the proxy server 1, these data are received by the reception function 120 in the proxy server 1, authenticated by the consignor master 111 and the customer master 112, and the switch acceptance data is organized. It is executed (step ST11). The switching acceptance data includes the entrustor number of the entrustor master 111, the payment method before the switching, the switching start date indicating the start date of switching in the accounting process, and the reception date that is the date of the current day. , Billing date, new payment method after switching, customer number of the customer master 112, and when switching to account transfer, the account transfer information, this temporary classification indicating the procedure status of the financial institution (initially " Provisional ", but will be" confirmed "in the future by notification of" procedure completion "from financial institutions. Among these, the payment method before switching uses the received accounting data when the preceding accounting data has been received from the personal computer 3 of the business operator.

  The upper part of the payment method switching application screen 321 displays customer information (customer name, etc.) as a title, and the middle part displays “service name” and “use period (year) based on the above sales contract as“ use details ”. (Month-day-year-month-day) "," use amount "classified into" lump sum payment "and" monthly amount "," current payment method (account transfer, convenience store storage) "," next billing schedule "as" scheduled date " ”And“ scheduled amount ”, and“ payment method change instruction ”in the lower row,“ Convenience store → Account transfer ”display and change button 321a,“ Account transfer → Convenience store storage ”description and change button 321b Is provided.

When the payer confirms the customer name or the like on the payment method switching application screen and then clicks one of the change buttons 321a and 321b with a mouse click, the change function 510 uses the business server 3 as shown in FIG. An account transfer application input screen 322 shown is presented to the procedure device 3. On this screen 322, the correction data regarding the payer's application content is received and provided to the database 110 of the proxy server 1. In the database 110, the customer who corresponds to the consignor and the customer number in the case where the temporary classification is “confirmed” when switching to the account transfer from all the received data stored in the predetermined work memory. In the master 112, the payment method is changed to the payment method after switching, and the payment method switching presence / absence is changed to “present”. In the billing master 113 whose billing state is “unprocessed”, the collection method is changed to the payment method after switching, and the billing date is changed to the billing date of the switching acceptance data. The payment method after switching, the provisional classification, and the billing date are deleted from the switching reception data to prevent duplicate processing. These change, change, and deletion charge washing processes are executed (step ST12).

  In the database 110, for the billing master 113 whose collection method is set to “account transfer”, transfer data addressed to the financial institution is organized on the date of the account transfer, and aggregated together with other transfer data of the day Transfer procedure processing to be transferred to the Web server is executed (step ST13). The financial institution deducts the charge from the payer's account and transfers it to the agent's account based on the transfer data. If it is set to “Convenience store”, the transfer procedure to the account of the agent is performed by the convenience store headquarters at the financial institution, so the Web server 1 of the agent monitors the transfer process by the convenience store headquarters. Alternatively, it has a function of inputting data of a transfer notification of a financial institution and setting it in the database 110. This transfer data includes billing date, customer number, billing amount, withdrawal account information (financial institution code, branch code, financial institution name, branch name, ordinary account or current account type, account number, account holder) have.

  Further, when the return data related to the transfer result is transferred from the financial institution, the charge state of the corresponding charge master 113 is updated to “transferred” according to the charge date and customer number of the return data, and the predetermined format A return process is performed in which the URL (Uniform Resource Locator) of the inquiry page in the accounting agency site is attached to the notification mail and sent to the business operator (step ST14). Refund data includes the date of billing, customer number, billing amount, withdrawal account information, transfer result (“transfer completed”, “transfer NG”, reason (“insufficient balance”, “no transaction”)) ing.

  With respect to the billing master 113 whose collection method is set to “convenience store storage”, a payment slip transmission process for transmitting an electronic payment slip to each payer is executed for those whose billing status is “unprocessed” (steps). ST15). This electronic payment slip includes a billing date, a billing number (invoice collection agent 113 handling number), consignor information, customer number, customer information, billing amount, storage deadline (contractor master 111 closing date information) (Payment period for calculating the procedure period), and the payment slip printed out by the payer is brought to the convenience store. In addition, electronic payment slips can be replaced with payment number notifications and two-dimensional barcodes. Payment number notifications have information regarding payment numbers (billing numbers of electronic payment slips), consignor information, and billing amounts. In the barcode, the contents of the payment number notification are converted into a QR code symbol. The explanation is written so that the payer pays the bill amount by presenting the payment number notice to the store clerk of the convenience store or reading the two-dimensional bar code over a dedicated reader.

  Further, when the storage data relating to the collection result is transferred from the convenience store headquarters, if the collection amount of the collection data for the corresponding billing master 113 is in accordance with the billed amount, according to the storage date and billing number of the stored data The billing state is “accommodated” and “full payment”, and if it is less than the invoiced amount, it is updated to “accommodated” and “partially paid”, and the collection process for sending the notification email to the operator is performed. It is executed (step ST16). The storage data includes the storage date, billing number, storage amount, store of the stored convenience store, consignor information, and total information of the convenience store headquarters. The stored data includes a preliminary report for the current day and a final report for the settlement from the previous closing date to the current closing date. In these processes, a preliminary report is used to confirm the confirmed date.

FIG. 8 is a style diagram for explaining the display screen of the search page and the inquiry page of the accounting agency site in the Web server shown in FIG.
The business entity accesses the accounting agency site of the Web server 1 by the browsing function 320 of the procedure device 3 from the URL of each notification mail. In the display screen 323 of the site, for example, when a billing date is set in the entry field of the search page 324, the database 110 is searched by the public function 140 of the Web server 1 using this as a search condition. The inquiry master 113 is organized into an inquiry page 325 and the inquiry process provided to the procedure apparatus 3 is executed (step ST17). The search page 324 includes consignor information in the upper row, billing date as a common item in the middle row, customer information (multiple customer numbers and customer names), transfer date as an account transfer item, billing status, storage date, Billing status, name of convenience store headquarters, storage deadline, each entry field as convenience store storage item, search button to start the search at the bottom, and clear button to erase the setting contents of each entry field It is provided.

  In the inquiry page 325, the number of hits in the search (total), the number of breakdowns in the current month (the total of transfer requests and payment slips sent, transfer completed and total storage subtotal, transfer NG and storage NG subtotal ), A breakdown amount (invoiced amount, recovered amount, impossible amount) for each subtotal is displayed, and a collective recharge button 325a for the impossible amount is provided. In the middle row, customer information, financial institution information, billing amount, and billing status are displayed for each customer number or collection agent handling number as account transfer, and in the lower row the customer number or collection agent within the convenience store storage For each handling number, customer information, convenience store headquarters name, billing amount, collection amount, and billing status are displayed. In addition, each billing state column is provided with each re-billing button 325b for the impossible amount for each customer information. The collective recharge button 325a, each recharge button 325b,... Are set to a transfer NG item indicating that collection is not possible in the account transfer and a storage NG item indicating that payment is issued and cannot be collected in the convenience store storage. Displayed. Hereinafter, an example will be described in which re-billing by an operator is instructed for each collection agent handling number.

  When the business operator clicks each re-bill button 325b on the inquiry page with the script function of the public function 140, any one of “next month summing process”, “billing extension process”, and “switching billing process” is selected. A re-billing process is executed to update each billing state to “re-billing designation” (step ST18). In the “next month summing process”, the billing master 113 for the next month is searched by the customer number, and the impossible amount is added to the billing amount of the corresponding case. If there is no applicable case, the process is canceled and executed as a billing extension process. In the “billing extension process”, the billing master 113 of the current month related to the customer number is copied, and a new billing master 113 for the next month is formed with the infeasible amount as the billed amount, and is transferred to the accounting process for the next month. In the “switch billing process”, only when the collection type of the consignor master 111 is “concurrent use”, the billing master 113 of the current month is copied, the impossible amount is used as the bill amount, and the collection method is different. The new billing master 113 for the next month after switching is knitted and incorporated into the accounting process for the next month. In addition to the “combination”, predetermined error processing is performed. Along with the “billing extension process” and the “switching billing process”, a new “transfer billing procedure” for the corresponding financial institution or a “payment slip issue process” for the payer occurs. In the “payment voucher issuance process” at this time, the initial billing date is extended by a predetermined period (for example, ten days) as a new billing date, and the processing is performed on the next day when the re-billing is instructed. In addition, in the “transfer request procedure” at this time, the initial request date (for example, 26th) is set as a new request date, which is the next transfer date (8th), and is processed two days before the transfer date. To do. If the collective recharge button 325a is pressed, collective reclaim processing is performed for all cases of the current contractor number for the current month.

Next, with reference to FIG. 1 to FIG. 6, an example of a case where the payer applies for switching the payment method at the accounting agency site by establishing a link from the shopping site on the premise of the subsequent approval of the business operator. explain. In this case, the report to the operator may be made on the inquiry page after the series of accounting processes.
The payer causes the personal computer 5a to display a payment method switching application screen 321 of the accounting agency site through a link. On this screen 321, confirming customer information and the like, and clicking one of the change buttons 321a and 321b with the mouse, the correction function provides the correction data to the database 110 through the substitute server 1, and if necessary, A web account transfer application input screen 322 of the same site is presented. In the database 110, the customer master 112 and the billing master 113 are changed (step ST12), and each process proceeds in the same manner as in the case of the business procedure apparatus. On the account transfer application input screen 322, it is possible to protect the security by encrypting the payer's account number, password, and the like. For example, the proxy server 1 may be configured to provide an encrypted file as it is to the account transfer procedure for a predetermined financial institution.

It is a figure for demonstrating the schematic structural example of the collection agency system which concerns on embodiment of this invention. It is a schematic diagram for demonstrating an example of schematic structure of the database in the server for agency of a collection agency system. It is a block diagram for demonstrating an example of schematic structure in a provider's personal computer similarly. It is a block diagram for demonstrating an example of schematic structure in a payer's personal computer same as the above. It is a figure which shows the process example of the money collection agency method which concerns on embodiment of this invention, and is a flowchart which shows the example as a process in software. It is a style figure for demonstrating the payment method switching application screen in the shopping site of the business server in the collection agency method. It is a schematic diagram for demonstrating a web account transfer application input screen in a shopping site. It is a style figure for demonstrating the display screen of the search page and inquiry page of an accounting agency site.

1 Web server (accounting proxy device, proxy server )
3 Web server (procedure device, business server )
2 Internet (telecommunications line)
4, 5a, 5b Personal computer (procedure device, customer terminal)
110 Database 120 Reception function (consignment means)
130, 510 Change function (switching means, communication complementing means)
140 Storage function 150 Public function (Web site means)
310 Transmission function (consignment means)
320, 520 browsing function (website means)

Claims (6)

Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; An accounting server that receives and stores the accounting data from the business server, and that is used by an agent acting on behalf of the collection of the price based on the accounting data, the business server and the agency server, It is possible to connect to each other through the communication line, and the customer terminal that can be operated by the payer can be connected to the business server and the proxy server through the communication line.
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agency system for transmitting data and transmitting payment slip information for paying the payment at the convenience store to the customer terminal of the payer when the payment collection method is convenience store storage,
The substitution server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, When the change information requesting the switch from the account transfer to the convenience store storage or the switch from the convenience store storage to the account transfer of the price collection method is received , the change information is received ,
And, received as part of the change information, which is presented on the customer terminal and applied using the account transfer application input screen for inputting the data for the application of the account transfer such as the bank name and account number, Collection method switching request receiving means for providing the information file to the processing of the account transfer procedure for the financial institution ;
If the collection process switch request receiving unit receives the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housing Payment method changing means for switching to the fund transfer,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and When this happens, the information on the method of collecting the accounting data is switched from the convenience store storage to the account transfer after switching. Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; An accounting server that receives and stores the accounting data from the business server, and that is used by an agent acting on behalf of the collection of the price based on the accounting data, the business server and the agency server, It is possible to connect to each other through the communication line, and the customer terminal that can be operated by the payer can be connected to the business server and the proxy server through the communication line.
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agency system for transmitting data and transmitting payment slip information for paying the payment at the convenience store to the customer terminal of the payer when the payment collection method is convenience store storage,
The business server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, A collection method switching request receiving means for receiving the change information when a change information requesting a switch from the account transfer to the convenience store storage or a switch from the convenience store storage to the account transfer of the price collection method is transmitted; ,
Change information transmitting means for transmitting the change information received by the collection method switching request receiving means to the proxy server;
The proxy server is a part of the change information that is presented to the customer terminal and applied for application using the account transfer application input screen for inputting data for application for bank transfer such as bank name and account number. And provide this information file to the bank transfer process for the financial institution,
When receiving the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit or payment method changing switch to the direct debit from the convenience store housing With means ,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and When this happens, the information on the method of collecting the accounting data is switched from the convenience store storage to the account transfer after switching. Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; It is possible to connect to a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment Collecting agent device for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Or when the change information requesting the switch to the account transfer from the convenience store storage is received, the change information is received,
And, received as part of the change information, which is presented on the customer terminal and applied using the account transfer application input screen for inputting the data for the application of the account transfer such as the bank name and account number, Collection method switching request receiving means for providing the information file to the processing of the account transfer procedure for the financial institution ;
If the collection process switch request receiving unit receives the change information, or change the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housing Payment method changing means for switching to the fund transfer,
The payment method changing means comprises switching acceptance means for organizing switching acceptance data including information on the price collection method that is switched based on the change information,
When the switch accepting unit switches from the convenience store storage to the account transfer, as one of the switch accepting data, a notice of completion of the account transfer application procedure from the financial institution for the process of the account transfer application procedure for the financial institution The provisional classification data showing the procedural status of the financial institution , which is tentative at the beginning before receiving the financial institution and will be confirmed in the future by notification of the completion of the account transfer procedure from the financial institution,
The payment method change means, said this without switching the information of the price collection method of the accounting data in case the temporary partitioned data is provisional to the account transfer after switching from the convenience store housed, said the provisional classification data is determined and collection proxy device since the information of the price collection method of the accounting data when and switches to the debit after switching from the convenience store housing. Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; An accounting server that receives and stores the accounting data from the business server, and that is used by an agent acting on behalf of the collection of the price based on the accounting data, the business server and the agency server, It is possible to connect to each other through a communication line, and a customer terminal that can be operated by a payer can be connected through a communication line.
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
The proxy server is a transfer for causing the server of a financial institution having the payer's account to transfer from the payer's account to the proxy's account when the payment collection method is account transfer. A data collection agent method in a money collection agent system that transmits data and, when the fee collection method is convenience store storage, transmits payment slip information to the customer terminal of the payer,
The substitution server requests switching of the payment collection method from the account transfer to the convenience store storage or from the convenience store storage to the account transfer within a period in which payment collection is repeated a plurality of times. A switching application screen capable of input operation is transmitted to the customer terminal so as to be viewable from the customer terminal, and based on an input operation from the customer terminal to the switching application screen, from the customer terminal to the proxy server, When the change information requesting the switch from the account transfer to the convenience store storage or the switch from the convenience store storage to the account transfer of the price collection method is received, the change information is received,
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. File for the account transfer process for the financial institution,
When receiving the change information, switch to switch the information of the price collection method of the accounting data based on the change information to the convenience store receiving from said debit, or from the convenience store housed in the debit
And when switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information,
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution This temporary classification data indicating the procedural status of the financial institution which is provisional and will be confirmed in the future by notification of completion of the account transfer procedure from the financial institution,
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. A method of collecting money, characterized in that the information on the method of collecting the price is switched from the convenience store storage to the account transfer after switching. Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; It is possible to connect to a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment A collection agency method performed by a collection agency device for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Or when the change information requesting the switch to the account transfer from the convenience store storage is received, the change information is received,
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. File for the account transfer process for the financial institution,
When the change information is received, the information on the accounting data collection method is switched from the account transfer to the convenience store storage based on the change information, or the convenience store storage is switched to the account transfer,
And when switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information,
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution This temporary classification data indicating the procedural status of the financial institution which is provisional and will be confirmed in the future by notification of completion of the account transfer procedure from the financial institution,
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. A method of collecting money, characterized in that the information on the method of collecting the price is switched from the convenience store storage to the account transfer after switching. Based on a contract with a payer, storing accounting data necessary for collecting payments repeated from the payer a plurality of times, and a business server used by a business operator collecting the money from the payer; It is possible to connect to a customer terminal that can be operated by the payer through a communication line,
The accounting data is received from the business server and stored,
In the accounting data, as a method of collecting the payment from the payer a plurality of times, the account transfer for transferring the money from the payer's account to the account of the agent and the payment at the convenience store Based on the convenience store headquarters account based on the information of the fee collection method indicating any of the convenience store storage withdrawing the price from the account to the agent account,
Based on the accounting data, when the fee collection method is account transfer, a server of a financial institution having the payer's account is used to transfer money from the payer's account to the agent's account. Agent who sends transfer data and, when the payment collection method is convenience store storage, sends payment slip information for payment at the convenience store to the payer's customer terminal and collects the payment To a collection agency for
Switching in which an input operation for requesting switching from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer can be performed within a period in which the price collection is repeated multiple times. The application screen is transmitted to the customer terminal so as to be viewable from the customer terminal, and the convenience store is stored from the account transfer of the price collection method from the customer terminal based on an input operation from the customer terminal to the switching application screen. Receiving the change information when the change information requesting the switch to the bank transfer or the switch from the convenience store storage to the account transfer is transmitted;
Received as part of the change information, the information presented on the customer terminal and entered using the account transfer application input screen for inputting the data for bank transfer application such as bank name, account number, etc. Providing the file to the account transfer process for the financial institution;
When the change information is received, based on the change information, the method of switching the accounting data fee collection method from the account transfer to the convenience store storage or switching from the convenience store storage to the account transfer; Let it run
And in the step of switching from the convenience store storage to the account transfer,
Organizing switching acceptance data including information on the price collection method switched based on the change information;
When switching from the convenience store storage to the account transfer, as one of the switch acceptance data , initially before receiving a notice of completion of the account transfer application procedure from the financial institution for the processing of the account transfer application procedure for the financial institution Creating temporary provisional data indicating a procedural state of the financial institution which is provisional and will be determined in the future by a notice of completion of the account transfer procedure from the financial institution;
When the temporary provisional data is temporary, the accounting data is determined when the temporary temporary data is confirmed without switching the information of the accounting data collection method from the convenience store storage to the account transfer after switching. A collection agency program for executing the step of switching the information of the price collection method from the convenience store storage to the account transfer after switching.

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