WO2001084391A1 - Systeme et procede d'execution vicariante des paiements - Google Patents

Systeme et procede d'execution vicariante des paiements Download PDF

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Publication number
WO2001084391A1
WO2001084391A1 PCT/JP2000/002787 JP0002787W WO0184391A1 WO 2001084391 A1 WO2001084391 A1 WO 2001084391A1 JP 0002787 W JP0002787 W JP 0002787W WO 0184391 A1 WO0184391 A1 WO 0184391A1
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WO
WIPO (PCT)
Prior art keywords
payment
payer
transfer
billing
amount
Prior art date
Application number
PCT/JP2000/002787
Other languages
English (en)
Japanese (ja)
Inventor
Yasuyuki Yamana
Mikuni Nishikiori
Original Assignee
Fujitsu Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Fujitsu Limited filed Critical Fujitsu Limited
Priority to AU41441/00A priority Critical patent/AU4144100A/en
Priority to PCT/JP2000/002787 priority patent/WO2001084391A1/fr
Publication of WO2001084391A1 publication Critical patent/WO2001084391A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a system and method for paying various fees on behalf of a payer.
  • payments of various fees are made by automatic debit by financial institutions, by bank transfer by payers, or by cash payment requests at convenience stores.
  • automatic account debit the amount charged by the claimant is automatically deducted from the payer's account and credited to the claimant's account ⁇ Also, for each transfer,
  • the payer submits the mailed transfer request form to the counter of the financial institution for payment.
  • the requester may request an agency to perform the withdrawal request business to a financial institution, or the issuance and mailing of an invoice with a transfer request form.
  • FIG. 1 is a diagram illustrating the principle of a payment acting system according to the present invention.
  • the payment agency system in FIG. 1 corresponds to, for example, an information processing device of a payment agency, and includes a generation unit 1, a billing unit 2, and a payment unit 3.
  • the generating means 1 collectively collects a plurality of billing data from a plurality of claimants and generates collective billing information.
  • Claiming means 2 performs processing for notifying the payer of the consolidated billing information.
  • the payment means 3 performs a process for distributing the paid amount to a plurality of claimants.
  • the generating means 1 automatically collects a plurality of billing data and generates collective billing information.
  • the billing means 2 performs a process of transmitting the received collective billing information to the payer via a network and issuing a paper medium or an electronic medium on which the collective billing information is recorded.
  • the issued media the process of the mail or the like, t payer, which is sent to the payer, based on the received billing information, pay to financial institutions to collectively claim the total amount of more than one billing de Isseki.
  • the payment means 3 automatically sets the amount for each claimant corresponding to the billing data. Request the financial institution to distribute and pay the claimant.
  • the payer can receive invoices from multiple invoicers separately and make a lump-sum transfer based on the lump-sum billing information instead of separately transferring the invoiced amounts of those invoices. it can.
  • receipts are issued in a lump, making receipt management easier.
  • you can choose whether to pay for individual billing items. Therefore, the convenience of the payer is greatly improved.
  • the transfer of each transfer is aggregated and collective transfer is performed, thereby suppressing an increase in network traffic and improving the performance of the entire system.
  • the generating means 1, the billing means 2, 'and the payment means 3 in FIG. 1 correspond to the agent device 12 in FIG. BRIEF DESCRIPTION OF THE FIGURES
  • FIG. 1 is a diagram illustrating the principle of a payment acting system according to the present invention.
  • FIG. 2 is a block diagram of the payment agent system.
  • Figure 3 shows the payment agency service (1).
  • Figure 4 shows the payment agency service (Part 2).
  • FIG. 5 is a diagram showing a payment request process.
  • FIG. 6 is a diagram showing a first payment schedule.
  • FIG. 7 is a diagram showing a selection result.
  • FIG. 8 is a diagram showing a second payment schedule.
  • FIG. 9 is a diagram showing the data format of the transfer card.
  • FIG. 10 is a configuration diagram of the information processing apparatus.
  • FIG. 11 is a diagram showing a recording medium. BEST MODE FOR CARRYING OUT THE INVENTION
  • the payer receives a bill in which the charges for various charges are collected from the agency, collectively checks the contents, and transfers the bill to the account of the agent in a lump.
  • the billed amounts of various fees are automatically distributed and transferred from the agent's account to each biller's account.
  • the payer can calculate the total amount of invoices received from the agent. You can make a lump sum transfer using the transfer request form. Also, unlike automatic debit, payers can make payments based on their own will and, if necessary, refuse payments. Therefore, the convenience for payers is greatly improved.
  • This payment agency service can also be provided using the Internet. For example, it is provided to members of @nifty, which is a membership service on the Internet, and is performed using a transfer to an Internet bank. Payables are primarily fees charged by claimants that meet at least one of the following two conditions:
  • the various membership clubs described above include the following:
  • Sports clubs (polling, tennis, swimming, golf, etc.)
  • Sports fan club (soccer, baseball, etc.)
  • FIG. 2 is a configuration diagram of a payment agency system that provides such a service.
  • the system in FIG. 2 includes a claimant device 11, an agent device 12, a financial institution device 13, an Internet terminal 14 (including a mobile phone, an interactive television, etc.), and an ATM (automatic teller machine) 15.
  • the claimant device 11 is a company, an organization, a membership club, This is a device of each claimant such as a credit card company.
  • the agent device 12 is a device of a billing Z payment agent, and the financial institution device 13 and the ATM 15 are devices of banks and the like that provide financial services.
  • the Internet terminal 14 is a terminal device of a consumer of a product Z service provided by a claimant, a Z user or a member of a membership club, and these consumers, users, and members correspond to payers.
  • These devices are configured using, for example, a computer, and can transmit and receive necessary information via a communication network.
  • a claimant charges a bill to a plurality of payers
  • the processing is performed in the following procedure.
  • the claimant device 11 transmits the billing data of the automatic account debit or transfer to the agent device 12. Instead of transmitting the billing data, the claimant may pass the recording medium recording the billing data to the agent, and the agent may read the data into the agent device 12.
  • the agent device 12 extracts, from the received billing data, those whose payment method is automatically debited, sorts them by designated financial institution, and transmits the automatic debit request data to each financial institution device 13. Instead of transmitting the automatic debit request data, the data may be input to the financial institution device 13 via a recording medium.
  • the financial institution device 13 performs automatic debit processing between accounts based on the automatic debit request data.
  • Financial Institution Equipment 13 is Internet Banking or Farm Banking With this, the automatic debit notification data for notifying the result of the automatic debit is transmitted to the claimant device 11.
  • Internet banking refers to the transfer of financial information via the Internet
  • farm banking refers to the transfer of financial information via a dedicated interface provided by financial institutions to companies and the like.
  • the agent device 12 sorts the billing data with a payment method of payer by payer, creates a collective invoice (with a transfer request form) for each payer, and sends it to the payer terminal 14 ( Network distribution). Instead of distributing the consolidated invoice over the network, it may be sent to the payer in the form of a paper medium 16 or a transfer card 17.
  • the payer specifies the billing items to be paid on the network while looking at the collective bill 16 displayed on the screen of the terminal 14 and requests the agent device 12 for payment.
  • the financial institution device 13 performs a process of transferring the total amount charged from the account of the payer to the account of the agent.
  • the financial institution device 13 notifies the agent device 12 of the completion of the transfer of the total billed amount by Internet banking or firm banking.
  • P 10 Request for sorting transfer by requester
  • the agent device 12 sorts the total amount of the transferred charges for each requester, and requests the financial institution device 13 to make a transfer request for each requester. Furthermore, in order to supplement the contents of the transfer notice from the financial institution to the claimant, the claimant is notified of the payment details data.
  • the financial institution device 13 performs a transfer process for each requester requested by the agent device 12.
  • the financial institution device 13 transmits the transfer receipt notification data for notifying the transfer completion to the claimant device 11 by Internet banking or firm banking.
  • the payer can use the mailed transfer card 17 to transfer the total amount charged to the agent, instead of requesting the agent through the network.
  • the transfer card 17 has a magnetic stripe or IC (integrated circuit) attached to it, and the payer can insert the transfer force 17 into the ATM 15 and perform the necessary operations.
  • the payment agency service distributed transfer agency service
  • the payment agency service is provided by the following procedure.
  • P 2 1 Application for payment agency service
  • the payer who is an Internet member transmits an application for various fee payment service sites from the Internet terminal 14 to the agent device 12.
  • the application data transmitted at this time includes the name of the invoicing party (payee name) of the various charges, and the name of the financial institution and account number of the applicant's (payer) account.
  • the applicant simplifies the application operation by selecting an item from a region-dependent menu such as a gas company or a power company according to the region displayed on the terminal 14.
  • the agent device 12 includes an Internet connection server 21 for operating a service site, and a farm banking terminal 22 for interfacing with the financial institution device 13.
  • the financial institution device 13 represents a set of devices of one or more financial institutions.
  • an Internet terminal may be used instead of the farm banking terminal 22.
  • the server 21 receives the application data from the terminal 14 and accepts the use application. Then, it notifies the claimant device 11 of each claimant that the payer has requested the transfer of the fee, and requests periodic provision of billing data.
  • Server 21 is via Internet Banking or Farm Banking. Requests the payer's designated financial institution to open an account on behalf of the applicant's payment, In the case of Farm Banking, Server 21 is Farm Banking It communicates with the financial institution device 13 via the terminal 22. According to the request from the server 21, as shown in FIG. 4, the payer a,
  • the claimant devices 11 of Company A, Company B,..., And Company X are servers 21
  • the server sends the billing data of various fees to payers a, b,..., X to the service site of the server 21 via the Internet ⁇ P24: Various Batch notification of billing amount
  • the server 21 sorts the received billing data for each payer, and distributes the sorted billing details of various charges to a page of each payer as a collective bill. Each payer accesses the service site and checks the billing statement for himself.
  • each payer After confirming the billing details, each payer requests the server 21 for payment.
  • Each payer requests the financial institution device 13 to withdraw the amount corresponding to the total billed amount from his / her account via Internet banking and to transfer the amount to the payer account designated by the agency.
  • request transfer processing from ATM15 For financial institutions that do not provide Internet banking services, request transfer processing from ATM15.
  • the financial institution device 13 transmits the transfer notification data to the server 21 by Internet banking or firm banking.
  • the server 21 withdraws the amount from each payer's account to which the total amount has been deposited by in-house internet banking or farm banking, and distributes it to each invoicer. Then, a request is made to the financial institution device 13 for a transfer to an account in the name of the claimant. As a result, the claimant company A from each payer for the account, B Company,..., X's account S a S b,... , To S x, billing of various fee is credited. In addition, Server 2 1 notifies the claimant device 11 of the payment details data in order to supplement the missing part of the transfer details data notified from the financial institution device 13 to the claimant device 11.
  • the financial institution apparatus 13 transmits the transfer statement data to the claimant apparatus 11 of each claimant by Internet banking or firm banking.
  • the transfer statement data is transmitted to the firm banking terminal 20 provided in the claimant device 11.
  • the transfer details data includes the payer's membership number, transfer subject, and transfer date information.
  • Each claimant device 11 creates a payment statement 23 from the received transfer statement data (at this time, if necessary, the payment statement data from the agent apparatus 12 is also used.
  • the billing data is cleared by comparing it with the billing statement 24.
  • the clearing process in the payment management of various charges is fully automated.
  • the total invoice amount of the lump-sum invoice presented by is transferred as it is, it is also possible to determine whether or not the transfer can be made for each item of the invoice details and select only some of the items to make the transfer.
  • An example of a sequence of such a payment request process is shown in the following sequence.
  • the payer accesses the homepage of the service site from the terminal 14.
  • the agent device 12 executes a procedure of identity verification processing, and requests the payer to input necessary information such as a member number and a password.
  • the payer inputs the requested information from the terminal 14 and the agent device 1 2
  • the agent device 12 performs identity verification based on the presented information.
  • P34 Menu display
  • the agent apparatus 12 presents a menu of billing items that are candidates for processing to the payer.
  • the payer selects an item from the menu displayed on the screen of the terminal 14 and inputs necessary information.
  • necessary information for example, information on the payer's residence area is entered.
  • the agent device 12 edits a region-dependent menu such as a gas company or a power company according to the input region and presents it to the payer.
  • a region-dependent menu such as a gas company or a power company
  • the payer selects an item from the menu displayed on the screen of the terminal 14 and inputs necessary information. Then, the agent device 12 inquires of the related requester device 11 and the financial institution device 13 about necessary information such as whether or not the payer is scheduled to be charged in the future.
  • the agent device 12 creates a list of payment schedules based on the information obtained from the inquiries, and presents the list to the payer.
  • a payment schedule as shown in FIG. 6 is displayed on the screen.
  • This payment schedule includes a list of billing items (claimer name) and billing amounts that need to be paid within a certain period of time (for example, within one month), billing amount, commission, and required amount. ing. If the payee is another financial institution, the name of the financial institution is also added.
  • ⁇ When displaying the payment schedule for example, if there is an item that cannot be processed unless the payment is within a specific period, Display according to the period.
  • invoice amount (payment amount) column is displayed in a priority-classified form.
  • a classification display method a classification by color, a classification by changing lines, and the like can be considered, and a button for instructing a batch selection of items having the same priority is also displayed. Priorities are set to increase as the deadline approaches.
  • an option to perform processing for excluding the billing item is provided. In this case, the exclusion of the item excluded from the billing object will be recorded and presented to the payer if necessary.
  • Payer taking into account the displayed payment period and priority, etc., to select the item to be transfer, by setting the other items in the non-selection, t and inputs the combination of the transfer target, the agent device Instruct 1 to 2 for trial calculation.
  • the payer can also input an instruction to stop payment to multiple claimants at once.
  • the agent device 12 estimates the total amount of the charge based on the input combination, edits the result, and presents it to the payer. For example, if three items, “NN reception fee”, “DD phone”, and “SS fee”, are selected in the payment schedule of FIG. 6, a trial calculation result as shown in FIG. 7 is displayed. In the payment schedule of Figure 7, only the amounts of the three selected items are displayed, and the amounts of the unselected items are not displayed.
  • P41 Correction approval
  • the payer will evaluate the displayed calculation and decide whether to modify or approve it.
  • the payer changes the combination of the transfer objects and instructs the agent device 12 to perform the trial calculation again. Then, the agent device 12 repeats the process of P40.
  • the payer instructs the agent device 12 to perform scheduling, and the agent device 12 schedules the account transfer process for each item of the trial calculation result.
  • the agent device 12 can also display a payment schedule as shown in FIG. 8 instead of the payment schedule of FIGS.
  • the payment schedule in FIG. 8 includes the payment date and payment amount of each billing item, and furthermore, the cumulative payment amount on each payment date is displayed as a bar graph.
  • a broken line 31 indicates a management upper limit line set by the payer or the agent device 12, and a solid line 32 indicates the current account balance of the payer.
  • the payer evaluates the displayed payment schedule by comparing the cumulative graph with the control upper limit line 3 1 and the account balance 3 2, and performs a correction or approval operation. According to the characteristics of the terminal 14, the total amount of the payment may be displayed as another graph or a numerical value. Regarding the method of expressing the payment schedule, the expressions in FIGS. 6 and 8 may be used in conjunction with each other, or other expressions than these expressions may be used.
  • the agent device 12 performs a process of rebuilding the shortage and paying.
  • the management upper limit line 31 is applied as the upper limit of the total payment.
  • the transfer force 17 of the present embodiment may be provided with a magnetic stripe or an IC.
  • FIG. 9 shows an example of the format of data recorded on the transfer card 17.
  • the format shown in Fig. 9 corresponds to the format of a transfer card currently used by financial institutions, with additional data added.
  • the ID mark, identification information, recipient (claimer) data, transfer requester ( payer) data, and t include additional de Isseki
  • the ID mark is a fixed character, and as the identification information, for example, the following transfer card type code is set.
  • the payee data includes the payee bank code, the payee branch code, the account, the payee account number, and the payee name.
  • the transfer account number is the actual account number plus one check digit number (encrypted number). In this system, it is possible that someone will mail a fake transfer card to the payer and use that card to transfer the payment amount to another account, and then take the transferred amount and do not prevent this. Is added with an encryption digit.
  • the transfer requester data includes the requester telephone number, the requester name, the requester number, and the transfer type. For example, the following contents are set as the client number.
  • Lump-sum payer code 10 to 15 digits
  • the additional data includes the transfer card issue number, transfer amount, expiration date, commission, burden type, transfer date, transfer status, and fee type.
  • transfer card issue number a sequential number for transfer card issue management is set. This number is the same as the issue number of the consolidated invoice, and is used for investigating the history of card issuance when a trouble / error occurs and for elucidating the cause.
  • the transfer requester does not need to enter the amount in the ATM, and errors in the amount are prevented.
  • Checking the recorded expiration date can prevent expiring transfers and ensure that transfers after the deadline are banned.
  • an identification code indicating whether the transfer fee is paid by the recipient or the client is set.
  • the transfer date is written by the ATM. This transfer date information is also used for investigating the cause when a trouble Z error occurs.
  • the transfer status for example, “0” is set in a state of no transfer.
  • "1" is set by the ATM. Therefore, checking this information will prevent double transfers.
  • the charge type for example, the following type code is set. In this case, a plurality of type codes are enumerated, separated by commas (co negation a).
  • the agency performs the transfer card issuing business of the financial institution and, when mailing the collective invoice to the payer, encloses the transfer card corresponding to the invoice and sends it.Therefore, the collective invoice is issued Every time a new transfer card is issued.
  • the payer goes to the financial institution (or other ATM location) with the mailed transfer card.
  • To transfer the total amount of all payments read the transfer card into the ATM, check the contents of the transfer card displayed on the ATM screen, and transfer by cash or cash.
  • the ATM will print the transfer amount and the paid mark on the front of the transfer card. Then, the latest data is written in the items of the transfer type, transfer amount, transfer date, transfer status, and charge type on the magnetic stripe, and the transfer card is discharged.
  • the payer takes the transfer card ejected from the ATM back and keeps it. This transfer card is issued every time and sent together with the consolidated bill, so it is not usually reused.
  • the transfer card When reusing a transfer card, the transfer card will be issued to each payer only when the first consolidated bill is issued, and thereafter, the payer will make a transfer using the same transfer card. In this case, the items marked with * for additional data in Fig. 9 should be recorded in advance. It is not necessary. Instead, the payer inserts the transfer card into the ATM and enters necessary items such as the transfer card issue number, transfer amount, and fee type from an input device such as a keypad. Then, confirm the input information on the screen and transfer the lump sum transfer amount.
  • the operation method varies depending on whether or not the financial institution ATM has an IC card reader / writer function. If an ATM with an IC card reader function and no writer function is installed, the payer uses a processing device with an IC card reader / writer function to write necessary information to the transfer card. In addition, the financial institution has previously set up an ATM that can read an IC card with a data format specification as shown in Fig. 9 and perform the transfer process.
  • the operation method in this case is as follows.
  • the issuance and distribution of the transfer card is basically performed in the same way as with a magnetic stripe. However, the transfer card will only be issued when the first consolidated invoice is issued for each payer.
  • the payer sets the mailed transfer card on the IC card reader Z writer of the processing device and reads the contents of the transfer card. As a result, the contents of the transfer card are displayed on the screen of the processing device. Then, the payer writes the items of the transfer type, transfer card issue number, transfer amount, and charge type shown in Fig. 9 while checking the contents of the mailed invoice. As a result, the contents of the transfer card will be changed according to the consolidated bill.
  • the payer goes to the financial institution (or other ATM location) with the written transfer code. And read the transfer card into ATM In addition, transfer the total amount of the payment items by cash card, electronic money, or cash.
  • the ATM adds the latest data to the items of the transfer type, transfer amount, transfer date, transfer status, and charge type of the IC card, and discharges the transfer card.
  • the payer takes the transfer card ejected from the ATM back and keeps it. This transfer card is reused every time a consolidated bill is issued.
  • the processing device with the IC card reader / writer function described above is not required. Other processing procedures are the same as those described above.
  • the payer, the claimant, and the financial institution can enjoy the following conveniences, respectively.
  • the billing data collected from the claimant via the Internet is displayed on the screen in the form of a list, so that the billed amount of various charges can be easily checked. Furthermore, if the claim details display screen is displayed by pointing to the button displayed on the screen, the contents can be checked in more detail.
  • Past payments can be stored on the service site server, and past payment status can be seen at a glance. Therefore, it is possible to easily check unpaid payments, etc., and comprehensive management of various charges becomes possible.
  • the service site can be used as a simple household account book because it is possible to calculate the aggregated value for each month and Z cost from the accumulated payments.
  • the accumulated data can be used as input data for household account book software.
  • you need a tax return receipt to the tax office you can receive a one-year receipt mail service by specifying expenses. This eliminates the need to store receipts and saves you from having to search for receipts.
  • the processing cost is lower than when the payer makes a transfer at the counter of a financial institution.
  • the net transfer fee is lower than the credit card fee, switching from credit card payment to transfer reduces the settlement processing cost. In other words, it is possible to reduce the cost of processing payments from creditworthy payers.
  • Internet banks have the following advantages.
  • the claimant device 11, the agent device 12, the financial institution device 13, the Internet terminal 14 and the ATM 15 in FIG. 2 are configured using, for example, an information processing device (computer) as shown in FIG. can do.
  • the information processing device shown in FIG. 10 includes a CPU (central processing unit) 41, a memory 42, an input device 43, an output device 44, an external storage device 45, a medium drive device 46, and a network connection device 47, which are connected to a bus 48.
  • the memory 42 includes, for example, a ROM (read only memory), a RAM (random access memory) and the like, and stores programs and data used for processing.
  • the CPU 41 performs necessary processing by executing a program using the memory 42.
  • the input device 43 is, for example, a keyboard, a pointing device, a touch panel, or the like, and is used for inputting instructions and information from an operator (claimer, agent, financial institution, or payer).
  • the output device 44 is, for example, a display, a printer, a speaker, or the like, and is used for inquiring an operator or outputting a processing result.
  • the external storage device 45 is, for example, a magnetic disk device, an optical disk device, a magneto-optical disk device, a tape device, or the like.
  • the information processing device stores the above-described program and data in the external storage device 45, and uses them by loading them into the memory 42 as necessary.
  • the medium driving device 46 drives the portable recording medium 49 and accesses the recorded contents.
  • Portable recording media 49 include memory cards, floppy disks, CDs-ROM (compact disk read only memory), optical disks, magneto-optical disks, and any computer-readable recording media such as magnetic cards and IC cards. Is used.
  • the operator stores the above-described program and data in the portable recording medium 49, and uses them by loading them into the memory 42 as necessary.
  • the network connection device 47 is connected to an arbitrary communication network such as the Internet and performs data conversion accompanying communication with another device. Further, the information processing device receives the above-mentioned program and data from another device via the network connection device 47, and loads and uses them in the memory 42 as necessary.
  • FIG. 11 shows a computer-readable recording medium capable of supplying a program and data to the information processing apparatus of FIG. Portable recording media 49
  • the programs and data stored in the external device 50 are stored in the memory 42. Then, the CPU 41 executes the program using the data, and performs necessary processing.
  • ADVANTAGE OF THE INVENTION when paying various fees charged by a plurality of claimants, collective billing and collective payment become possible, and the convenience of the payer is improved.
  • traffic can be curbed and the overall system performance can be improved.

Abstract

La présente invention concerne le traitement de la demande et du paiement dans un service de factures, qui satisfait un utilisateur final et réalise un trafic à faible communication. Si chaque unité demandeuse (11) envoie des données de demande (P1), une unité agent (12) les trie et forme des factures agrégées pour chaque payeur, et elles sont placées sur des sites web de l'Internet ou envoyées par la poste à chaque payeur (P5). En cas d'Internet, le payeur accède au site en utilisant un terminal Internet (14), exécute une vérification du montant total ainsi qu'une approbation par articles sur un écran, et requiert un agent de paiement de payer (P6). En cas d'envoi par la poste, si la facture postée est un mandat carte (17), le payeur effectue semi-automatiquement une requête en utilisant un terminal de guichet automatique bancaire (15) (P7). Un fond payé est remis à un compte pour chaque payeur de l'agent de paiement, et ensuite, il est trié et remis à un compte du demandeur. L'unité d'agent envoie la requête de demande à l'unité d'agence financière (13) (P10) et, en plus, envoie au demandeur des données de spécification pour chaque demandeur (P10).
PCT/JP2000/002787 2000-04-27 2000-04-27 Systeme et procede d'execution vicariante des paiements WO2001084391A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU41441/00A AU4144100A (en) 2000-04-27 2000-04-27 Payment vicarious execution system and method
PCT/JP2000/002787 WO2001084391A1 (fr) 2000-04-27 2000-04-27 Systeme et procede d'execution vicariante des paiements

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/JP2000/002787 WO2001084391A1 (fr) 2000-04-27 2000-04-27 Systeme et procede d'execution vicariante des paiements

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WO2001084391A1 true WO2001084391A1 (fr) 2001-11-08

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Cited By (13)

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JP2002049879A (ja) * 2000-05-25 2002-02-15 Yuichi Kyoho 決済情報管理装置及び決済情報管理システム
JP2003233757A (ja) * 2002-02-08 2003-08-22 Bank Of Tokyo-Mitsubishi Ltd 売掛金消し込みにかかる電子決済支援装置および方法、コンピュータを電子決済支援装置として機能させるためのプログラム、このプログラムを記録した記録媒体
JP2005276007A (ja) * 2004-03-26 2005-10-06 Mizuho Corporate Bank Ltd 振込サービスシステム
JP2006127255A (ja) * 2004-10-29 2006-05-18 Chugoku Electric Power Co Inc:The 公共料金徴収方法、公共料金徴収システム、およびプログラム
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JP2008204448A (ja) * 2007-02-07 2008-09-04 E2Interactive Inc Dba E2Interactive Inc 請求者に予め関係付けられた勘定支払カードを使用する価値の挿入
JP2009245124A (ja) * 2008-03-31 2009-10-22 Sumitomo Mitsui Card Co Ltd 利用明細作成支援装置、利用明細作成支援方法および利用明細作成支援プログラム
JP2013257706A (ja) * 2012-06-12 2013-12-26 Sumitomo Mitsui Banking Corp グローバル資金移動システム及びグローバル資金移動方法
CN108734451A (zh) * 2017-02-24 2018-11-02 三星电子株式会社 服务器及其控制方法
JP2019200518A (ja) * 2018-05-15 2019-11-21 コスモ石油マーケティング株式会社 車両リースと自動車教習所サービスの同時提供に関する情報処理装置及び情報処理方法
JP2019220005A (ja) * 2018-06-21 2019-12-26 コスモ石油マーケティング株式会社 車両販売と自動車教習所サービスの同時提供に関する情報処理装置及び情報処理方法
CN113283914A (zh) * 2020-02-18 2021-08-20 北京沃东天骏信息技术有限公司 虚拟资产的校验方法、装置、电子设备和存储介质
JP2022111354A (ja) * 2018-11-22 2022-07-29 株式会社オーガスタス マルチ電子決済システム

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JP2002049879A (ja) * 2000-05-25 2002-02-15 Yuichi Kyoho 決済情報管理装置及び決済情報管理システム
JP2003233757A (ja) * 2002-02-08 2003-08-22 Bank Of Tokyo-Mitsubishi Ltd 売掛金消し込みにかかる電子決済支援装置および方法、コンピュータを電子決済支援装置として機能させるためのプログラム、このプログラムを記録した記録媒体
JP2005276007A (ja) * 2004-03-26 2005-10-06 Mizuho Corporate Bank Ltd 振込サービスシステム
JP4498098B2 (ja) * 2004-10-29 2010-07-07 中国電力株式会社 公共料金徴収方法、公共料金徴収システム
JP2006127255A (ja) * 2004-10-29 2006-05-18 Chugoku Electric Power Co Inc:The 公共料金徴収方法、公共料金徴収システム、およびプログラム
JP4553686B2 (ja) * 2004-11-02 2010-09-29 富士通株式会社 情報処理方法、コンピュータ・システム及び自動現金預払機用入金カード
JP2006133827A (ja) * 2004-11-02 2006-05-25 Fujitsu Ltd 情報処理方法、コンピュータ・システム及び自動現金預払機用入金カード
JP2008204448A (ja) * 2007-02-07 2008-09-04 E2Interactive Inc Dba E2Interactive Inc 請求者に予め関係付けられた勘定支払カードを使用する価値の挿入
JP2009245124A (ja) * 2008-03-31 2009-10-22 Sumitomo Mitsui Card Co Ltd 利用明細作成支援装置、利用明細作成支援方法および利用明細作成支援プログラム
JP2013257706A (ja) * 2012-06-12 2013-12-26 Sumitomo Mitsui Banking Corp グローバル資金移動システム及びグローバル資金移動方法
CN108734451A (zh) * 2017-02-24 2018-11-02 三星电子株式会社 服务器及其控制方法
JP2019200518A (ja) * 2018-05-15 2019-11-21 コスモ石油マーケティング株式会社 車両リースと自動車教習所サービスの同時提供に関する情報処理装置及び情報処理方法
JP2019220005A (ja) * 2018-06-21 2019-12-26 コスモ石油マーケティング株式会社 車両販売と自動車教習所サービスの同時提供に関する情報処理装置及び情報処理方法
JP2022111354A (ja) * 2018-11-22 2022-07-29 株式会社オーガスタス マルチ電子決済システム
JP7193191B2 (ja) 2018-11-22 2022-12-20 株式会社オーガスタス マルチ電子決済システム
CN113283914A (zh) * 2020-02-18 2021-08-20 北京沃东天骏信息技术有限公司 虚拟资产的校验方法、装置、电子设备和存储介质

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