JP5313459B2 - Public money payment agent business support system, public money payment agent business support method, and program - Google Patents

Description

  The present invention relates to a public money payment agent business support system, a public money payment agent business support method, and a program.

Public money such as taxes and public charges and public charges are paid at the financial institution's window after presenting a receipt notice. Techniques such as OCR (Optical Character Recognition) are used to read out necessary information from the receipt notice. Patent Document 1 proposes a technique for processing various types of bills with image data by allowing the user to specify the description position of information for identifying bills.
JP 2002-188661 A

By the way, the public money has been paid in cash at the window of financial institutions.
However, with the development of a wide area network such as the Internet, payment using a credit card has become common, and there is a need to use a credit card for payment of public money.

  The present invention has been made in view of such a background, and an object thereof is to provide a public money payment agent business support system, a public money payment agent business support method, and a program capable of paying public money using a credit card. To do.

Among the present inventions for solving the above-mentioned problems, the invention according to claim 1 is a system for supporting a business by a payment agent agency acting on behalf of public money, which is different from a payment agent agency acting on behalf of a credit card. The payment agent is connected to the public money management system of the public money payee organization and the payer terminal of the payer of the public money, and is associated with the payer specifying information for specifying the payer, and the payment agent A point storage unit that stores points issued to the payer by the payment agency according to the use of the service provided by the institution, and the public money to be paid, which is transmitted from the public money management system payment number, an accounting information receiver for receiving accounting information including the card number indicating the credit card used for the payment of the amount and the public money of the public money, A billing information storage unit for storing the billing information received, and a payment request including a card number identifying a credit card used for payment of the payer identification information, the payment number and the public money transmitted from the payer terminal A payment request receiving unit for receiving, a point amount calculation unit for calculating a point amount that is an amount to reduce the amount of the public money based on the points corresponding to the payer specifying information included in the payment request, The charging information corresponding to the payment number included in the payment request is read from the charging information storage unit only when the card number included in the payment request matches the card number included in the charging information. An amount obtained by subtracting the point amount from the amount included in the read billing information and the car included in the payment request. A settlement processing unit for performing a settlement process related to a payment agency by the payment agency of the subtracted amount using the credit card based on a number, settlement result information indicating a result of the settlement process, and the payment number A payment notification transmission unit that transmits a payment notification to the public money management system.
According to the public money payment agent business support system of the present invention, by sending the charging information from the public money management system operated by the public money payer of the national or local government to the public money payment agent business support system of the present invention, the payer Can make public payments by credit card. Therefore, the payer can be provided without greatly modifying the public money management system on the billing side.
In addition, the points issued to the payer can be used to pay public money. Therefore, it becomes possible for the payer to reduce the expenditure for paying public money. Further, since the point issuer can extend the point usage to public money, the use of the point can be promoted and the payer as a customer can be enclosed.
In addition, it is possible to check whether the card number of the credit card that the payer intends to use matches with the card number specified by the billing person, thus preventing payment using an unauthorized credit card. can do.

The invention according to claim 2 of the present invention is the public money payment agent business support system according to claim 1, wherein the billing information further specifies the payer as the billing destination of the public money. The payment request further includes card holder specifying information for specifying the holder of the credit card, and the payment processing unit includes the payer specifying information included in the billing information. The payment processing is performed only when the payer specified by the information matches the holder specified by the card holder specifying information included in the payment request.
In this case, since the holder of the credit card used by the payer can be designated from the payer side, it is possible to reliably charge the payer himself.

Further, the invention described in claim 3 of the present invention is the public money payment agent business support system according to claim 1, wherein the billing information transmitted from the public money management system includes the payment deadline of the public money. The payment processing unit performs the payment processing only when the current date and time has not passed the payment deadline.

  Other problems and solutions to be disclosed by the present application will be made clear by the embodiments of the invention and the drawings.

  According to the present invention, public money can be paid using a credit card.

  Hereinafter, a public money payment system according to an embodiment of the present invention will be described. The public money payment system of the present embodiment is used when an agency in place pays various monetary burdens (hereinafter referred to as public money) such as taxes and public dues imposed by the national or local public bodies and administrative service fees. The public money includes public charges such as electricity charges, gas charges, water charges, telephone charges, etc. in addition to taxes and public charges and administrative service fees. The agency is, for example, an operator of a portal site, a shopping mall, an auction site, an Internet service provider, or the like. In the public money payment system of the present embodiment, a user who is a payer of public money uses a credit card to make a payment to an agency, and the agency pays cash to a billing agency such as a national or local public entity. .

  Further, it is assumed that the agency provides various services to the user in addition to the public money payment agency and issues points according to the use of the service to the user. For example, points are issued according to the purchase price to a user who purchases a product or service sold by an agency. In the public money payment system of this embodiment, the points issued to the user can be applied to the public money payment.

  Hereinafter, details of the public money payment system of this embodiment will be described.

== System configuration ==
FIG. 1 is a diagram illustrating an example of the overall configuration of a public money payment system according to the present embodiment. As shown in the figure, the public money payment system of this embodiment includes a payer terminal 10, a public money management system 20, a credit system 30, and a server device 40.

  The payer terminal 10, the public money management system 20, and the server device 40 are connected to a communication network 51 and can communicate with each other. The communication network 51 is, for example, the Internet, a frame relay network, a VAN (Value Added Network), a LAN (Local Area Network), or the like. The server device 40 and the credit system 30 are connected via a communication network 52 so that they can communicate with each other. The communication network 52 is, for example, CAFIS (Credit And Finance Information Switching system).

  The payer terminal 10 is a computer operated by a user who pays public money such as a taxpayer. As the payer terminal 10, for example, a personal computer, a workstation, a mobile phone terminal, or the like can be used.

  The public money management system 20 is a computer that manages the billing status of public money, which is operated by the national government, local public bodies, the third sector, etc. (hereinafter referred to as a biller). As the public money management system 20, for example, a personal computer, a workstation, a general-purpose computer, or the like can be used.

  The credit system 30 is a computer operated by a card company. For the credit system 30, for example, a personal computer, a workstation, a general-purpose computer, or the like can be used. In response to the request, the credit system 30 makes a credit determination as to whether payment using a credit card is possible, and returns a credit result. The credit system 30 is based on the premise that credit processing is performed by a general credit card company, and detailed description thereof is omitted in this specification.

  The server device 40 is a computer operated by an agency that acts as a proxy for paying public money from the user. The server device 40 is, for example, a personal computer or a workstation. In response to a request from the user, the server device 40 inquires of the credit system 30 whether the user can pay by credit card. On the other hand, if points are issued to the user, the points are applied. Then, the amount charged for the user is determined.

== Hardware ==
FIG. 2 is a diagram illustrating a hardware configuration of the server device 40. As shown in the figure, the server device 40 includes a CPU 401, a memory 402, a storage device 403, and communication interfaces 404 and 405. The storage device 403 stores various programs and data, such as a hard disk drive, a CD-ROM drive, a DVD-ROM drive, and a flash memory. The CPU 401 implements various functions by reading the program stored in the storage device 403 into the memory 402 and executing it. The communication interface 404 is an interface for connecting to the communication network 51, and the communication interface 405 is an interface for connecting to the communication network 52. The communication interfaces 404 and 405 include, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone line network, a wireless device for performing wireless communication with other communication devices, and the like. It is.

== Software ==
FIG. 3 is a diagram illustrating a software configuration of the server device 40. As shown in the figure, the server device 40 includes a billing information receiving unit 411, a payment request receiving unit 412, a credit request transmitting unit 413, a credit result receiving unit 414, a proxy determining unit 415, a billing information updating unit 416, and a point information update. A unit 417, a payment notification transmission unit 418, a proxy processing result transmission unit 419, a charging information database 43, and a point database 44.

  The charging information database 43 stores information related to public money imposed by the charging person (hereinafter referred to as charging information). FIG. 4 is a diagram illustrating a configuration example of billing information stored in the billing information database 43. As shown in the figure, the charging information includes a payment slip number, name, amount, payment deadline, and payment status. The payment slip number is information for specifying a public money charged by the payer to the payer. From the biller to the payer, a document that describes the amount of public money imposed on the payer and the payment deadline (hereinafter referred to as a receipt notice) will be sent, but the payment number is the receipt notice. It is good also as a number which identifies a book (henceforth a notification number), and the tax year when the tax was imposed, and the taxable thing (for example, the number of the car which is subject to the automobile tax, etc.) You may make it combine. The name is the name of the payer to which the public money is to be paid, and the amount is the amount of public money to be paid (hereinafter referred to as the billing amount). The payment status indicates whether or not public money has been paid. In the present embodiment, it is assumed that either “unpaid” or “complete payment” is set as the payment status.

  The billing information receiving unit 411 receives billing information transmitted from the public money management system 20 and registers the received billing information in the billing information database 43. In the present embodiment, it is assumed that the billing information receiving unit 411 periodically receives billing information from the public money management system 20.

  The point database 44 stores points issued to the payer. FIG. 5 is a diagram illustrating a configuration example of the point database 44. As shown in the figure, the point database 44 stores points issued to the payer in association with information specifying the payer (hereinafter referred to as user ID).

  The payment request receiving unit 412 receives a command (hereinafter referred to as a payment request) that is transmitted from the payer terminal 10 and instructs to pay public money. FIG. 6 is a diagram illustrating a configuration example of a payment request. As shown in the figure, the payment request includes a user ID, a payment slip number, a point usage amount, and card information. The point usage amount is an amount that is used to pay public money. In this embodiment, for the sake of simplicity, it is assumed that one point corresponds to one yen. Therefore, the number of points used for paying public money is set as the point usage amount. The card information is information related to a credit card used for payment of public money, and includes a credit card holder, a card number, an expiration date, and the number of payments.

  An example of an input screen used for inputting each item set in the payment request in the payer terminal 10 is shown in FIGS. The input screen 60 shown in FIG. 7 is an example of a screen for inputting a payment slip number among the items included in the payment request, and the input screen 61 shown in FIG. 8 is a point among the items included in the payment request. It is an example of a screen for inputting a usage amount and card information. In addition, the input screens 60 and 61 shall transmit the screen data described in HTML (HyperText Markup Language) to the payer terminal 10 according to the access from the payer terminal 10, for example. 7 and 8 show examples of screens used when inputting items related to automobile tax in public money.

  The payer inputs each item used as the payment slip number in the tax year entry field 601, the notification number input field 602, and the vehicle number input field 603 on the input screen 60. Each of these items is described in a receipt notice mailed in advance from the biller to the payer.

The payer terminal 10 displays the input screen 61 when the button 604 is pressed.
The payer confirms the payment amount 611 displayed on the input screen 61, sets whether or not to use the points in the point usage amount input field 612, and, if used, allocates the payment. Enter the number of points to be played. Also, the payer inputs the card number in the input field 613, enters the credit card holder in the input field 614, sets the lump sum payment or installment payment in the input field 615, and inputs the number of payments in the case of installment payment. To do. Further, the payer inputs the expiration date of the credit card in the input field 616.

  When the button 617 on the input screen 61 is pressed, the payer terminal 10 receives information input in the input fields 601 to 603 on the input screen 60, information input in the input fields 612 to 616 on the input screen 61, The payment request in which the user ID is set is transmitted to the server device 40, and the payment request receiving unit 412 of the server device 40 receives the payment request transmitted from the payer terminal 10.

The credit request transmission unit 413 transmits a command (hereinafter referred to as a credit request) instructing to perform payment by a credit card to the credit system 30. The credit request includes the card number of the credit card, the expiration date, and the payment amount. In the credit system 30, credit to the payer is performed in response to the credit request. In the credit system 30, it is assumed that processing in a settlement using a general credit card is performed.
The credit result receiving unit 414 receives information indicating success or failure of credit (hereinafter referred to as credit result) transmitted from the credit system 30 in response to a credit request.

The agent determining unit 415 determines whether or not to pay public money on behalf of the payer. As will be described later, the proxy determination unit 415 determines whether or not to perform payment depending on whether the current time is within the payment deadline, whether the payment by the payer is successful, or the like.
The billing information update unit 416 updates the payment status of the billing information to “complete payment” when the proxy determination unit 415 determines to pay the public money.
The point information update unit 417 subtracts the points in the point database 44 corresponding to the user ID when the points are appropriated for payment of public money.
The payment notification transmission unit 418 transmits a message (hereinafter referred to as payment notification) indicating that the payment of the public money using the credit card has been received from the payer to the public money management system 20.
The proxy processing result transmission unit 419 transmits to the payer terminal 10 a success message indicating that the payment of the public money has been performed or an error message indicating that the payment of the public money is not performed.

== Processing ==
Next, the process of the server apparatus 40 of this embodiment is demonstrated. FIG. 9 is a diagram showing a flow of processing of the server device 40 when paying public money.

  The payment request receiving unit 412 receives the payment request transmitted from the payer terminal 10 (S701). The agent determining unit 415 reads out the billing information corresponding to the payment slip number included in the payment request from the billing information database 43 (S702).

  When the current date and time is before the payment due date included in the billing information (S703: YES), the agent determining unit 415 reads the point corresponding to the user ID included in the payment request from the point database 44 (S704).

  When the point corresponding to the user ID is equal to or greater than the point usage amount (S705: YES), the proxy determination unit 415 subtracts the point usage amount included in the payment request from the amount included in the billing information. Is set as the settlement amount (S706).

  The credit request transmission unit 413 transmits a credit request including the card information included in the payment request and the payment amount to the credit system 30 (S707). The credit result receiving unit 414 receives the credit result transmitted from the credit system 30 in response to the credit request (S708).

  If the credit result indicates that the credit is successful, the proxy determination unit 415 determines to pay the public money (S709: YES). The billing information update unit 416 updates the payment status of the billing information corresponding to the payment slip number included in the payment request to “complete payment” (S710), and the point information update unit 417 corresponds to the user ID included in the payment request. The point usage amount included in the payment request is subtracted from the points in the point database 44 to be executed (S711).

  The payment notification transmission unit 418 attaches the payment number included in the payment request to the message indicating that the payment of the public money from the payer is received, and transmits it to the public money management system 20 (S712). The result transmission unit 419 transmits a message indicating that the payment of public money has been accepted to the payer terminal 10 (S713).

  On the other hand, if the current date and time is not before the due date included in the billing information (S703: NO), the point read from the point database 44 is less than the point usage amount included in the payment request (S705: NO). If the credit result received from the credit system 30 indicates failure (S709: NO), the proxy processing result transmission unit 419 transmits an error message indicating that the public money cannot be paid to the payer terminal 10. (S714), and the process ends.

  As explained above, according to the public money payment system of this embodiment, the payer can pay the public money using a credit card. Further, since the payer can instruct public money payment via the communication network 51, it is possible to reduce the trouble of bringing the receipt notice to the window.

  Moreover, according to the public money payment system of this embodiment, the point issued with respect to a payer in other service provision etc. in an agency can be used for payment of public money. That is, since the use range of the points issued by the agency to the payer can be extended to the public money, it becomes possible to motivate the payer to use the service of the agency.

  Moreover, according to the public money payment system of this embodiment, since the server apparatus 40 receives the payment request | requirement from a payer and requests the creditor's credit to the credit system 30, the public money management system 20 is enlarged. It is possible to pay the public money by credit card without modification. Therefore, it is possible to reduce the possibility of malfunctions by correcting the public money management system 20 in operation, and to easily construct a system for paying public money with a credit card.

  In the present embodiment, the payment is made based on the amount included in the billing information corresponding to the payment slip number included in the payment request transmitted from the payer terminal 10. The payment amount may be input together with the number, and it may be confirmed whether the payment amount input by the payer matches the amount included in the billing information. In this case, the payment amount input by the payer can be included in the payment request.

  In the present embodiment, the billing information is set with an amount and a due date in association with the payment number. For example, a card number used by the payer for payment in advance to the public money management system. The card number used for payment may be included in the billing information transmitted from the public money management system. In this case, if the card number included in the payment request does not match the card number included in the billing information, the proxy determining unit 415 can determine not to perform payment. Further, if the name of the payer included in the billing information does not match the holder of the card information included in the payment request, it may be decided not to perform payment. Good.

  Also, the payment request and billing information includes information for specifying the payer (hereinafter referred to as payer specifying information) such as name, date of birth, address, etc., and the payer specifying information included in the payment request. If the payer identification information included in the billing information corresponding to the payment request number included in the payment request does not match, it is determined that another person is paying, and payment is not performed. It may be determined.

  Further, in the present embodiment, it is assumed that the agency can identify the payer by the user ID. However, the present invention is not limited to this, and payment may be made using only the payment slip number. In this case, since payment from a payer who has not registered as a member can be accepted, the agency can perform public money payments for general users.

  Further, in this embodiment, the credit relating to the payment of the payer is assumed to transmit a credit request to the credit system 30. However, the present invention is not limited to this. For example, in the case where credit is performed by the agency itself, It is also possible to determine whether or not credit is allowed within the device 40. In other words, various credit processes using a general credit card can be used to perform credit for the payer.

  Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

It is a figure showing the example of whole composition of the public money payment system concerning this embodiment. 2 is a diagram illustrating a hardware configuration of a server device 40. FIG. 3 is a diagram showing a software configuration of a server device 40. FIG. It is a figure which shows the structural example of the accounting information memorize | stored in the accounting information database 43. FIG. It is a figure which shows the structural example of the point database. It is a figure which shows the structural example of a payment request. 5 is a diagram illustrating an example of an input screen 60. FIG. It is a figure which shows an example of the input screen. It is a figure which shows the flow of a process of the server apparatus 40 at the time of payment of public money.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Payment terminal 20 Public money management system 30 Credit system 40 Server apparatus 51 Communication network 52 Communication network 401 CPU 402 Memory 403 Storage device 404 Communication interface 405 Communication interface 411 Billing information receiving part 412 Payment request receiving part 413 Credit request transmitting part 414 Credit Result receiving unit 415 Proxy determining unit 416 Accounting information updating unit 417 Point information updating unit 418 Payment notification transmitting unit 419 Proxy processing result transmitting unit 43 Accounting information database 44 Point database

Claims (5)

A system that supports work by a payment agency that pays public money, which is different from a payment agency that pays by credit card,
Connected to each of the public money management system of the payee's institution and the payer terminal of the payer of the public money,
A point storage unit that stores points issued to the payer by the payment agent in accordance with use of the service provided by the payment agent in association with the payer specifying information for specifying the payer;
A billing information receiving unit that receives billing information that is transmitted from the public money management system and includes a payment number that identifies the public money to be paid , an amount of the public money, and a card number that indicates a credit card used to pay the public money When,
A charging information storage unit for storing the received charging information;
A payment request receiving unit that receives a payment request including a card number identifying a credit card used for payment of the payer identification information, the payment number and the public money, transmitted from the payer terminal;
A point amount calculation unit that calculates a point amount that is an amount to reduce the amount of the public money based on the point corresponding to the payer specifying information included in the payment request;
The charging information corresponding to the payment number included in the payment request is read from the charging information storage unit only when the card number included in the payment request matches the card number included in the charging information. And payment by the payment agency using the credit card based on the amount obtained by subtracting the point amount from the amount included in the read billing information and the card number included in the payment request. A payment processing unit for performing payment processing related to the agency;
A payment notice transmitter for sending payment result information including the payment result information indicating the result of the payment process and the payment number to the public money management system;
A public money payment agency business support system characterized by comprising: A public money payment agent business support system according to claim 1,
The billing information further includes payer specifying information for specifying the payer who is the billing destination of the public money,
The payment request further includes card holder specifying information for specifying a holder of the credit card,
The payment processing unit, when the payer specified by the payer specifying information included in the billing information matches the holder specified by the card holder specifying information included in the payment request Only for the payment process,
A public money payment agency business support system characterized by A public money payment agent business support system according to claim 1,
The billing information transmitted from the public money management system includes a deadline for payment of the public money,
The payment processing unit performs the payment processing only when the current date and time has not passed the payment deadline;
A public money payment agency business support system characterized by A method for supporting the work by a payment agency that pays public money, which is different from a payment agency that pays by credit card,
A public money management system of a public money payee organization and a computer connected to each of the payer terminals of the payer of the public money,
In association with the payer specifying information for specifying the payer, the point issued by the paying agency to the payer according to the use of the service provided by the paying agency,
Receiving billing information transmitted from the public money management system, including a payment number identifying the public money to be paid , an amount of the public money and a card number indicating a credit card used for payment of the public money ;
Storing the received billing information;
Receiving a payment request including a card number identifying a credit card used for payment of the payer identification information, the payment number and the public money, transmitted from the payer terminal;
Based on the points corresponding to the payer identification information included in the payment request, calculate a point amount that is an amount to reduce the amount of the public money,
Only when the card number included in the payment request matches the card number included in the billing information, the point is determined from the amount included in the billing information corresponding to the payment number included in the payment request. Based on the amount obtained by subtracting the amount of money and the card number included in the payment request, a settlement process related to the payment agency by the payment agency of the subtracted amount using the credit card is performed,
Sending a payment notification including payment result information indicating a result of the payment process and the payment number to the public money management system;
A public money payment agency business support method characterized by A program for supporting the work of a payment agency that pays public money, which is different from a payment agency that pays by credit card,
To a computer connected to be communicable with each of the public money management system of the public money payee organization and the payer terminal of the payer of the public money,
Storing the points issued to the payer by the paying agency according to the use of the service provided by the paying agency, in association with the payer specifying information for specifying the payer;
Receiving billing information transmitted from the public money management system, including a payment number identifying the public money to be paid , an amount of the public money and a card number indicating a credit card used for payment of the public money ;
Storing the received billing information;
Receiving a payment request including a card number identifying a credit card used for payment of the payer identification information, the payment number and the public money, transmitted from the payer terminal;
Calculating a point amount that is an amount to reduce the amount of the public money based on the point corresponding to the payer specifying information included in the payment request;
Only when the card number included in the payment request matches the card number included in the billing information, the point is determined from the amount included in the billing information corresponding to the payment number included in the payment request. Based on the amount obtained by subtracting the amount of money and the card number included in the payment request, performing a settlement process related to the payment agent by the payment agent organization of the subtracted amount using the credit card;
Transmitting payment result information including payment result information indicating the result of the payment process and the payment number to the public money management system;
A program for running

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