JPH1145298A - Charging substitute system, charging integration method and charging integration device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a cost on a business transaction mechanism side and to reduce labor on a customer side. SOLUTION: Charging bills to plural-customers 3A-3N are sent altogether to a charging integration mechanism 2 individually from the side of plural business transaction mechanisms 2A-2N, the charging bills from the plural business transaction mechanisms 2A-2N are integrated and one integrated detailed statement is sent from the side of the charging integration mechanism 2 to the individual customers 3A-3N. Thus, compared to the conventional example of individually performing sending from the side of the plural business transaction mechanisms 2A-2N to all the customers 3A-3N, the time and labor on the side of the business transaction mechanisms 2A-2N are substantially reduced and the time and labor on the side of the customers 3A-3N are substantially reduced by just using a single integrated detailed statement when the customers 3A-3N settle accounts to the plural business transaction mechanisms 2A-2N and perform collation after the settlement of the accounts.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing proxy system, a billing integration method, and a billing integration device for billing each customer generated in a commercial transaction between a commercial transaction mechanism and a customer.

[0002]

2. Description of the Related Art In general, human life requires, for example, power, gas, water supply, sewerage, social insurance, telephone, broadcasting,
Newspapers are needed. For this reason, utility companies that handle electricity, gas, water supply, sewage, social insurance, etc.
A commercial transaction occurs between a business entity such as a private company that handles telephone, broadcasting, and newspapers, and a customer as a consumer. This business entity will be referred to as the Commerce Organization.

[0003] In such a commercial transaction, a so-called post-payment method is usually used in which the above-mentioned commercial transaction mechanism provides a transaction object to a customer and then charges a usage fee.

[0004] That is, when a customer makes a business transaction with a plurality of commerce mechanisms, each commerce mechanism mails a billing bill describing usage fees and the like to each customer. The usage fee is settled by cash payment based on the bill, or settled by bank account withdrawal.

[0005]

By the way, in the above-mentioned conventional example, billing bills are individually mailed from each commercial transaction organization to each customer. The clerical and mailing costs involved are enormous, which can be said to be wasteful from a social perspective.

On the customer side, it is necessary to individually index out of a plurality of billing invoices sent in the case of cash settlement, and in the case of bank account settlement, a debit record in a bank passbook and In any case, for example, it is necessary to sequentially collate a plurality of billing invoices sent by mail, which is troublesome and requires labor.

Accordingly, an object of the present invention is to provide a billing proxy system, a billing integration method, and a billing integration device that reduce the cost on the commercial transaction side and the labor on the customer side.

[0008]

According to the first aspect of the present invention, billing invoices for each customer are created in accordance with business transactions with a plurality of customers, and the billing bills are grouped together in the following billing integration mechanism. Receiving a plurality of billing invoices and a plurality of billing invoices individually sent collectively from each of the commercial institutions, and sorting the received billing invoices for each customer. A billing integration system that integrates a plurality of groups of billing invoices and creates an integrated statement for each customer.

According to a second aspect of the present invention, there is provided a commercial transaction system which prepares billing invoices for each customer in accordance with a commercial transaction with a plurality of customers, and sends the billing invoices collectively to the following billing integration mechanism. Receives a plurality of billing invoices addressed individually to each of a plurality of customers individually and collectively sent from each commercial transaction organization, sorts the received billing invoices by customer, and bills bills of the sorted groups. A billing integration mechanism that integrates each book group to create an integrated statement for each customer and sends each created integrated statement to a corresponding customer.

[0010] The invention of claim 3 provides the above-mentioned claim 1 or 2
In the billing agent system described in (1), the commercial transaction mechanism sends a billing bill with customer identification information specified by the billing integration mechanism, and the billing integration mechanism sends the billing bill sent from the billing bill sending means. A billing surrogate system that performs sorting processing and integration processing based on customer identification information attached to each bill group.

The invention according to claim 4 is the invention according to claim 1 or 2.
3. The charging agency system according to claim 1, wherein the charging integration mechanism and the commercial transaction mechanism are data processing devices, and the charging integration mechanism is connected to each of the commercial transaction mechanisms via communication means.

According to a fifth aspect of the present invention, there is provided the first or second aspect.
In the charging proxy system described in the above, the charging integration mechanism comprises a data processing device, a plurality of output means are connected to the charging integration mechanism via communication means, and the integrated statement data is transmitted to the customer via the output means. A billing agent system to be sent.

According to a sixth aspect of the present invention, a plurality of billing invoices addressed individually to a plurality of customers sent individually and collectively from a plurality of commercial transaction organizations are received, and the received billing invoices are sorted for each customer. And an integrated billing method for integrating the sorted billing invoice groups into a consolidated statement for each customer.

According to a seventh aspect of the present invention, a plurality of billing invoices addressed individually to a plurality of customers sent individually and collectively from a plurality of commercial transaction organizations are received, and the received billing invoices are sorted for each customer. A billing integration method in which the sorted billing groups of a plurality of groups are respectively integrated to create an integrated statement for each customer, and each created integrated statement is sent to each corresponding customer.

The invention according to claim 8 is a receiving means for respectively receiving a group of billing invoices individually sent from a plurality of commerce institutions and collectively addressed to a plurality of customers, and a group of billing invoices received by the receiving means. An integrating means for sorting by customer and integrating each of the sorted groups of billing invoices to create an integrated statement for each customer.

According to a ninth aspect of the present invention, there is provided a receiving means for respectively receiving a group of billing invoices individually sent from a plurality of commercial transaction organizations to a plurality of customers, and a group of billing invoices received by the receiving means. Integrating means for sorting by customer, integrating the billing invoice groups of the sorted groups respectively to create an integrated statement for each customer, and sending the integrated statement created by the integrating means to each corresponding customer. And a sending unit for sending to the accounting unit.

In the present invention as described above, in short, the billing integration mechanism is provided without directly billing the customer from each of the plurality of commercial transaction mechanisms to the customer in accordance with the commercial transaction. Indirectly via the Internet.

Since a plurality of billing bills addressed to a plurality of customers are collectively sent from the plurality of commerce mechanisms to the billing integration mechanism, a plurality of billing mechanisms are individually sent to all the customers. Compared with the conventional example, the labor on the part of the commercial transaction mechanism is remarkably reduced.

Further, since the billing integration mechanism side integrates the billing invoices from the plurality of commercial transaction mechanisms to each customer and sends one integrated statement, the customer setstles the plurality of commercial transaction mechanisms. At the time or when checking after settlement, only a single integrated statement need be used, so that the burden on the customer side is remarkably reduced.

In the present invention, the billing invoice group is sent from the commercial transaction mechanism to the billing integration mechanism including both mailing and online communication. Regarding the sending of the statement,
This includes both mailing and online communication.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The details of the present invention will be described based on embodiments shown in FIGS.

FIG. 1 is a schematic configuration diagram of a billing proxy system according to a first embodiment of the present invention. In the first embodiment,
This figure shows a form in which a billing bill and an integrated statement sent by a commercial transaction mechanism or a billing integration mechanism are sent by mail.

In the figure, reference numerals 1A to 1N denote a plurality of commerce institutions, 2
Is a billing integration mechanism, and 3A to 3N are a plurality of customers.

The plurality of commercial institutions 1A to 1N are entities such as a large number of utility companies dealing with electric power, gas, water supply, sewage, social insurance, etc., and a large number of private companies dealing with telephone, newspaper, broadcasting and the like. is there.

The charging integration mechanism 2 includes a plurality of commercial transaction mechanisms 1A.
1N and the customers 3A to 3N are charged on behalf of each of the commercial transaction mechanisms 1A to 1N.

The customers 3A to 3N conduct commercial transactions with the plurality of commercial institutions 1A to 1N, respectively, and provide business objects such as electric power, gas, water supply, sewage, social insurance, telephone, newspaper, and broadcasting. The payment of the provision of the transaction object is settled by cash payment or bank account debit according to the integrated statement mailed from the charging integration mechanism 2.

Note that a plurality of commercial transaction mechanisms 1A to 1N and the charging integration mechanism 2 conclude a proxy contract for sending billing invoices. When the proxy contract is concluded,
The plurality of commerce institutions 1A to 1N provide a list of customers 3A to 3N to the accounting integration unit 2, while the accounting integration unit 2 provides each customer 3A to the accounting units 1A to 1N.
Integrated ID as an identification number for identifying each of A to 3N
(Identity). In addition, a plurality of commerce institutions 1A
Each of .about.1N independently specifies a customer-specific billing number. When sending a billing bill group to the billing integration mechanism 2, the above-described integrated ID is added to the unique billing number.

Next, various kinds of processing of the above-mentioned accounting system will be described.

First, when the customers 3A to 3N conduct commercial transactions with the plurality of commercial transaction mechanisms 1A to 1N, respectively, after a certain period of time, the plurality of commercial transaction mechanisms 1A to 1N are individually set to the charging integration mechanism. 2, multiple customers 3A
The billing invoice group for ~ 3N is mailed collectively.

On the other hand, when the charging integration mechanism 2 receives a group of billing invoices from the plurality of commercial transaction mechanisms 1A to 1N, the charging integration mechanism 2 uses the groups of charging invoices received from the respective commercial transaction mechanisms 1A to 1N as a basis. Then, an integrated statement is created for each of the customers 3A to 3N by using a data processing device having an application program for integrating the bills and bills. In other words, in the process of preparing the integrated statement, the necessary items of the billing invoices addressed to the plurality of customers 3A to 3N sent to the mail are stored in a keyboard or an OCR (Optical Character).
When data is input from input means such as a scanner such as a Reader, the input billing data is sorted by the application program into customers 3A to 3N based on the integrated ID as a search criterion. The billing data is integrated to create an integrated statement for each of the customers 3A to 3N. The integrated statement created in this way is individually mailed to the corresponding customers 3A to 3N.

When the customers 3A to 3N receive the integrated statement, the customers 3A to 3N settle the transaction with each commercial transaction organization by cash payment or withdrawing a bank account based on the integrated statement.

As described above, a plurality of commerce institutions 1
A to 1N are individually sent to the billing integration mechanism 2 to the billing integration mechanism 2 collectively for billing invoices for a plurality of customers 3A to 3N. It is possible to omit enormous procedures related to individual sending of documents, and to reduce social costs, such as by greatly reducing procedure costs and mailing costs.

Then, a plurality of customers 3
A single integrated statement in which billing invoices from a plurality of commercial transaction organizations 1A to 1N are integrated is sent to A to 3N. Cash payments can be made based on the information recorded in one consolidated statement, so that the troublesome indexing of multiple billing invoices as in the past can be omitted, and bank debit settlement In the case of the above, it is only necessary to collate one integrated statement with the debited record items of the settled bank passbooks, and the collation work can be performed much easier and faster than in the conventional example. 3A to 3N can easily manage the household budget.

FIG. 2 is a schematic configuration diagram of a billing proxy system according to a second embodiment of the present invention. In the second embodiment,
This figure shows a form in which the sending of a billing bill and the sending of an integrated statement performed by a commercial transaction mechanism or a billing integration mechanism are performed by online communication.

In the figures, 10A to 10N are billing devices provided in a plurality of commercial transaction mechanisms, 20 is a billing integrated device provided in a billing integration mechanism, 30A to 30N are IC cards owned by a plurality of customers, and 40A to 40N. Is a multiple I
This is a C card reader / writer, and details of these elements will be described below.

The billing and billing devices 10A to 10N are provided in a large number of public utility companies dealing with electric power, gas, water supply, sewage, social insurance, etc., and a large number of private companies dealing with telephone, newspaper, broadcasting and the like. And a data processing device having a processing function of collectively transmitting each billing invoice data group relating to commercial transactions with the plurality of IC cards 30A to 30N to the billing integration device 20 in accordance with the respective commands.

The accounting integration device 20 creates accounting specifications for each of the customers 3A to 3N based on a plurality of accounting data groups individually transmitted from the accounting devices 10A to 10N. It comprises a data processing device having an application program for invoice integration. The charging integration device 20 includes a plurality of charging request devices 10A to 10N.
Processing means for receiving a plurality of billing data groups individually and collectively transmitted from the IC card (corresponding to the receiving means of claims 8 and 9);
The cards 30A to 30N are sorted and the billing data groups of the sorted groups are integrated.
A processing function for creating integrated statement data for each of the IC cards 30A to 30N (corresponding to the integration means of claims 8 and 9); and a plurality of IC card reader / writers 40A to 40N
And a processing function (corresponding to a transmitting means according to claim 9) for individually transmitting the integrated statement data in response to a request from the user.

It should be noted that a plurality of billing devices 10A to 10N
And the charge integration device 20 conclude a proxy contract for sending a billing bill. When the proxy contract is concluded, the charge integration device 20
IC cards 30 held by each customer for A to 10N
Integration I as an identification number for identifying each of A to 30N
In addition to the notification of D, the integrated ID is stored in its own database and each of the IC cards 30A to 30N. Further, each of the plurality of billing devices 10A to 10N independently defines a billing number for each customer. Is added.

The IC cards 30A to 30N are issued to the customer from the accounting integration mechanism, and are cards having a built-in semiconductor integrated circuit (IC) including a processor and a memory. In the IC cards 30A to 30N, integrated ID data and attribute data are stored in advance by the charging integration device 20, and at least I
It has a processing function of performing online communication with the C card reader / writers 40A to 40N, and a processing function of writing, reading, or deleting the communication data. The integrated ID data is an identification number or the like of each of the IC cards 30A to 30N defined by the charging integrated device 20, and the attribute data is a name, age, and gender self-reported by the requester when the IC card 30A to 30N issuance request is issued. , Address, occupation, home contact, work contact, etc.

IC card reader / writers 40A to 40N
Are installed in various places such as a convenience store, and have at least a processing function for performing data communication with the accounting integration device 20 and the IC cards 30A to 30N.
It has a processing function of transmitting and receiving data to and from the server.

Next, various processing functions of the billing surrogate system and the operation of each component will be described.

First, a plurality of commercial institutions and the IC card 30
When the holders of A to 30N conduct business transactions using the IC cards 30A to 30N, after a certain period of time, the plurality of billing devices 10A to 10N are individually
Billing invoice data for the holders of the IC cards 30A to 30N is created, and when a prescribed date is reached, each is individually communicated online with the charging integration device 20 to charge the holders of the plurality of IC cards 30A to 30N. Send the invoice data group at once. At this time, the billing data for each of the IC cards 30A to 30N is provided with integrated ID data and billing number data, respectively.

On the other hand, when the billing integration device 20 collectively receives the billing data from the plurality of billing devices 10A to 10N, the billing integration device 20 performs an IC based on the billing data group.
Sorts the billing data for each holder of the cards 30A to 30N and integrates the sorted billing data for each of a plurality of groups to create integrated statement data for each holder of the IC cards 30A to 30N. I do.

Here, the holders of the IC cards 30A to 30N receive the IC cards 30A to 30N with respect to any of the IC card readers / writers 40A to 40N on a prescribed date.
To make the IC card reader / writers 40A to 40N and the accounting integration device 20 communicate online, thereby individually taking in integrated statement data relating to the connected IC cards 30A to 30N, and printing and outputting them. The printed integrated statement is received by the holders of the IC cards 30A to 30N.

When the holders of the IC cards 30A to 30N receive the integrated statement in this manner, the payment is made to each commercial transaction organization by cash payment or bank account withdrawal based on the integrated statement.

As described above, when the prescribed date is reached, the billing data groups relating to the holders of the plurality of IC cards 30A to 30N are collectively transmitted from the plurality of billing devices 10A to 10N to the billing integration device 20. The Commerce Organization side can omit huge procedures such as mailing billing invoices individually to all customers as in the past, and social costs such as procedural and mailing costs can be significantly reduced. Costs can be reduced.

In addition, the charging integration device 20 includes a plurality of ICs
In response to a request from the holder of the cards 30A to 30N, one integrated statement data in which the billing data from the plurality of billing devices 10A to 10N is integrated is sent.
In the case of cash settlement, the holder of each of the IC cards 30A to 30N only has to make cash payment based on the record items of one integrated statement data, and out of a plurality of billing invoices as in the related art. In addition to eliminating the need for individual indexing, in the case of bank debit settlement, it is only necessary to collate one consolidated statement data with the debit record items of each settled bank passbook. Can be performed much easier and faster than
The holders of the C cards 30A to 30N can easily manage the household budget.

Note that the present invention is not limited to only those described in the above embodiments, and various applications and modifications are conceivable.

(1) In the second embodiment, the integrated billing device 20 sends the integrated statement to the holders of the IC cards 30A to 30N using the IC card readers / writers 40A to 40N. The integrated statement created by the accounting integration device 20 is mailed to the IC cards 30A to 30A.
It may be sent to the holder of N.

(2) In the second embodiment, when the holders of the IC cards 30A to 30N own a personal computer, the integrated statement data is directly sent to the personal computer from the accounting integration device 20 online. You may make it send by communication.

[0051]

According to the first to ninth aspects of the present invention, billing invoices for a plurality of customers are collectively sent to each billing integration mechanism from each billing mechanism. On the part of the company, it is possible to greatly reduce the sending procedure cost and sending cost by eliminating the huge sending procedure such as sending the billing bill individually to all customers as in the past, and consequently social It can greatly contribute to cost reduction. In addition, since the billing integration mechanism sends a single integrated statement, which integrates a plurality of billing invoices, to the customer, in the case of cash settlement, the customer side records one integrated statement. In addition to the conventional method, it is only necessary to make cash payment based on the above, and it is possible to eliminate the troublesome work of indexing individually from a plurality of bills as in the past, and in the case of bank transfer settlement, one integrated statement It is only necessary to check the certificate and the debited record items of the settled bank passbook,
The collation work can be performed much easier and faster than in the conventional example, and the customer can easily manage the household budget.

As described above, according to the present invention, it is possible to provide tremendous benefits to the commercial transaction side and the customer side.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing a first embodiment of a charging agency system of the present invention.

FIG. 2 is a schematic configuration diagram showing a second embodiment of the charging agency system of the present invention.

[Explanation of symbols]

 Reference Signs List 1A-1N Commerce Organization 2 Billing Integration Mechanism 3A-3N Customer 10A-10N Billing Device 20 Billing Integration Device 30A-30N IC Card 40A-40N IC Card Reader / Writer

Claims (9)

[Claims] Claims: 1. A plurality of billing invoices for each customer are created in accordance with commercial transactions with a plurality of customers, and a plurality of billing invoices are collectively sent to a billing integration mechanism described below. Receives a group of billing invoices sent individually from the organization to multiple customers, sorts the received billing invoices by customer, and integrates the sorted billing invoices from multiple groups. And a billing integration mechanism that creates an integrated statement for each customer. 2. A plurality of billing invoices for each customer are created in accordance with a commercial transaction with a plurality of customers, and a plurality of billing invoices are collectively sent to the following billing integration mechanism. Receives a group of billing invoices sent individually from the organization to multiple customers, sorts the received billing invoices by customer, and integrates the sorted billing invoices from multiple groups. A billing integration mechanism that creates an integrated statement for each customer and sends each created integrated statement to each corresponding customer. 3. The charging agency system according to claim 1, wherein the commercial transaction mechanism sends a billing statement with customer identification information defined by the charging integration mechanism. Is a unit for performing a sorting process and an integration process based on customer identification information attached to each of the billing invoice groups sent from the billing bill sending means. 4. The charging agency system according to claim 1, wherein the charging integration mechanism and the commercial transaction mechanism comprise a data processing device, and the charging integration mechanism is connected to each of the commercial transaction mechanisms via communication means. Billing system. 5. The accounting system according to claim 1, wherein said accounting integration mechanism comprises a data processing device, and a plurality of output means are connected to said accounting integration mechanism via communication means. A billing agent system for sending integrated statement data to a customer via a means. 6. A plurality of billing invoices addressed individually to a plurality of customers sent individually and collectively from a plurality of commerce mechanisms are received, the received billing invoices are sorted by customer, and the sorted plurality of billing invoices are sorted. A billing integration method, comprising: integrating billing groups of a group to create an integrated statement for each customer; 7. A group of billing invoices individually sent from a plurality of commercial transaction organizations to each of a plurality of customers, respectively, and the received group of billing invoices is sorted for each customer. A billing integration method, comprising: integrating billing groups of a group to create an integrated statement for each customer; and sending each created integrated statement to a corresponding customer individually. 8. Receiving means for receiving a group of billing invoices individually sent from a plurality of commerce organizations to each of a plurality of customers, and sorting the billing invoice group received by the receiving means for each customer. Integrating means for respectively integrating the sorted groups of billing invoices to create an integrated statement for each customer. 9. Receiving means for receiving a group of billing invoices individually sent from a plurality of commerce institutions to each of a plurality of customers, and sorting the billing invoice group received by the receiving means for each customer. Integrating means for respectively integrating the sorted billing invoice groups to create an integrated statement for each customer, and sending means for sending each integrated statement created by the integrating means to the corresponding customer individually. And a charging integration device comprising: