WO2004079613A1

WO2004079613A1 - Payment system

Info

Publication number: WO2004079613A1
Application number: PCT/JP2003/002643
Authority: WO
Inventors: James Jay Skinner
Original assignee: James Jay Skinner
Priority date: 2003-03-06
Filing date: 2003-03-06
Publication date: 2004-09-16
Also published as: AU2003227259A1; WO2004079614A1; AU2003213405A1

Abstract

A payment system comprises a financial institution system (100) installed in a financial institution. The financial institution system (100) comprises client account data storage means (116), dealer account data storage means (118), demand information storage means (112) for storing the content of demand data, payment information control means (114) for receiving information on transaction approval, payment information storage means (124) for storing information on payment, and account data altering means (120) for receiving a signal outputted by payment information control means and representing the approval of a transaction approved by the client and altering the content stored in the client account data storage means and the content stored in the dealer account data storage means by using demand data stored in the demand information storage means and information on payment stored in the payment information storage means.

Description

Description Payment system

〔Technical field〕

The present invention relates to a payment system configured so that when a customer who has a financial account at a financial institution or the like receives a payment request, the customer can easily pay the charged amount.

(Background technology)

(1) Configuration of conventional technology

(1.1) The first type of conventional technology

In the first type of prior art, when a merchant bills a customer for payment, the merchant creates a bill and mails the bill to the customer. The customer receiving the invoice,

The customer accesses the financial institution system of the financial institution using the terminal of the ATM, and the customer authenticates the payment by the bin number and his / her account number. In addition, the customer enters information on the billing amount and the account number of the trader through an ATM Internet terminal. Next, the financial institution system transfers the payment amount from the customer's account to the merchant's account. · (1 · 2) Second type of conventional technology

In the second type of prior art, when a merchant charges a customer, the merchant creates a bill and mails the bill to the customer. The customer who receives the invoice creates a check or bill and mails the check or bill to the merchant. Next, the merchant redeems the check or bill. (1.3) First type of conventional technology

In the third type of conventional technology, when a customer purchases a product or the like, the customer notifies the credit card or debit card number to the merchant. Next, the merchant charges the amount of the payment request to the company that manages the credit or debit card.

(1 · 4) Fourth type of conventional technology

In the fourth type of conventional technology, when a customer purchases a product, the merchant transmits data relating to the transaction and an identification code of the merchant to a customer terminal of the customer by electronic means. When making a claim for payment, the merchant makes an invoice and mails the invoice to the customer. The customer transfers the data related to the transaction together with the authentication information to the financial institution to complete the payment procedure (see Patent Document 1).

(1 · 5) Fifth type of conventional technology

In the fifth type of conventional technology, for example, when paying electricity bills, gas bills, newspaper bills, etc., the customer makes settings so that the customer's financial account can be automatically debited. Companies such as electric power companies, gas companies, and newspaper companies make periodic payment requests to the financial institution that has the customer's financial account. The financial institution with the customer's financial account may transfer the account for the amount charged for the payment and complete the payment procedure.

(1 · 6) Sixth type of conventional technology

In the sixth type of conventional technology (see Patent Document 2), a means for automatically approving a transaction is provided in a transaction approval and warning system, and the transaction is associated with a customer identification code ( See claim 1 of Patent Document 2). The approval step accepts a request to approve the transaction (step 1). The request includes the customer's identification code. Next, based on the approval request, it is determined whether the transaction should be approved (step 2). Next, the step In step 2, if it is determined that the transaction should be approved, the decision is communicated to the customer (step 3). Next, the customer accepts the notification of the approval of the transaction (step 4). O Next, based on the notification of the approval of the bowing I, the customer performs the approval of the transaction (step 5).

(2) Issues of conventional technology

(2.1) Issues of the first type of conventional technology

The first type of prior art is disadvantageous because the customer has to enter the data regarding the billing. When a customer enters billing data, the amount entered may be incorrect. Also, mailing costs are incurred because the merchant mails the invoice to the customer. In addition, it takes time for the invoice to reach the customer after the merchant has sent the invoice. In addition, there is a complicated operation in which the merchant reconciles the contents of the invoice with the contents of the customer's payment to determine which invoice is the payment. In addition, customers have to deal with various forms of invoices, but it is difficult to standardize invoice formats and automate invoice delivery.

(2 ・ 2) Issues of the second type of conventional technology

The second type of conventional technology also has the same problems as those of the first type of conventional technology described above. In addition, checks and bills can be stolen or counterfeited.

(2.3) Issues of conventional technology in the third evening

In the third type of conventional technology, credit cards and debit cards have a limit on the amount of money that can be used by the card owner, and are not suitable for paying a large amount. In addition, credit and debit cards, by their nature, have to be paid for when ordering products, and are not suitable for those who want to pay later. Due to business customs, credit cards and debit cards have a very high commission cost of 3% to 4%. Have been.

(2-4) 4th type problem of conventional technology

The fourth type of prior art does not require an overnight entry to make payments, but requires the customer to deal with each and every bill. In the fourth type of prior art, since the bill is sent to the customer terminal, if the customer's data management is insufficient, the data on the bill may be lost. (2 ■ 5) Issues of conventional technology in the 5th evening

The fifth type of conventional technology is inconvenient and anxious because customers cannot approve payments after the actual bill has been finalized. This fifth type of prior art is not very suitable for payments that occur only once. In addition, the fifth type of prior art does not delay payment. In the fifth type of conventional technology, the customer can only receive the information of the billing result after the billing, and the customer does not have a function to approve the billing after the billing amount is determined. That is, this fifth type of prior art can only be effectively applied to places where a fixed amount of money is regularly deducted, for example, payment of electricity, gas, newspapers, etc.

(2.6) Issues of Type 6 Conventional Technology

When the traditional technology of Eve 6 is introduced to financial institutions, there is a need for a means to determine whether or not to approve based on the approval request. As such a means, a means for confirming the credit balance or the account balance can be assumed. In addition, there is a need for a means to inform the customer of the decision on whether to approve, and the system is complicated. For invoices such as invoices that may or may not have payments and the timing of payments vary, checking the balance cannot determine whether the transaction should be approved. Therefore, the sixth type of conventional technology cannot realize a system for paying bills smoothly. In the sixth type of conventional technology, information on the transaction is transmitted to the customer only when it is determined that the transaction should be approved. However, attempting to pay bills with such a configuration may cause problems such as the customer not knowing the existence of the claim, which may cause trouble in the relationship between the customer and the trader. In this configuration, the functions necessary for realizing the billing and payment system are to approve the transaction when the customer raises funds, and to execute the transaction on a date when it is known that the funds will be available. Can't approve. Furthermore, the sixth type of conventional technology does not assume a new billing data flow in which a merchant sends billing data directly to a financial institution, and assumes only the conventional credit card and banking operations.

In addition, the sixth type of conventional technology does not provide a system for completing an actual payment operation only by formatting an authorization code. Furthermore, in the sixth type of conventional technology, there is no means for communicating with other financial institutions, and a company requesting payment includes its own account number at another financial institution in the billing data. However, a system for receiving payment for the account cannot be provided.

(3) List of patent documents

(Patent Document 1)

PCT International Publication Pamphlet WO 02/27 75 88 A1 (Pages 5-8, Figures 1 and 2)

(Patent Document 2)

European Patent Application Publication EP 0 7 4 5 9 6 1 A2 (Pages 11-20, Figure 10) (4) Object of the invention

An object of the present invention is for a customer to input data. It is an object of the present invention to provide a payment system which does not require any data entry and does not cause data entry errors.

Another object of the present invention is to provide a payment system that does not require a mailing cost and allows a trader to easily compare the billing content with the payment content. Further, another object of the present invention is to provide a payment system which enables standardization of a billing format, can perform payment processing regardless of the amount of money, and enables payment business for billing by batch processing. It is in.

Still another object of the present invention is to provide a payment system which can stabilize business by unifying data management relating to payment to a central processing unit and reduce the cost of payment processing. is there.

Still another object of the present invention is to provide a payment system that can deal with one-time payments.

Yet another object of the present invention is to provide a payment system that allows a customer to authorize a transaction.

Yet another object of the present invention is to provide a payment system that allows a customer to view all billing details.

Still another object of the present invention is to provide a payment system that allows a trader to complete payment business.

Still another object of the present invention is to provide a payment system that enables a payment operation for an account at another financial institution by providing a means of communication with another financial institution.

Further, another object of the present invention is to provide a new billing data flow in which a merchant transmits billing data to a customer's financial institution instead of directly to the customer, thereby facilitating payment operations. Payment system that can increase the credibility of data records To provide a system.

[Disclosure of the Invention]

The present invention is a payment system for processing a payment of all or a portion of a billed amount when a request for payment is made to a customer who has a financial account at a financial institution. hand,

It has a financial institution system that the financial institution has,

Customer account data storage means for storing data relating to a customer's account, trader account data storage means for storing data relating to a trader's account, and accepting billing data sent from a trader, Billing information storage means for storing data contents;

Payment information control means for accepting transaction approval information to determine and enter whether the customer is willing to pay for the billing item;

If the customer approves the transaction, the information on the transaction stored in the billing information storage means is used to change the account The request is formatted and output, and the account data for changing the storage contents of the customer account data storage means and the storage contents of the supplier account data storage means are changed.

It is characterized by having.

With this configuration, it is possible to realize a payment system that does not require a customer to input data overnight and that does not cause an error in inputting data overnight. Further, with this configuration, it is possible to realize a payment system in which a mailing cost is not required and a trader can easily compare the billing content with the payment content. Further, this configuration enables standardization of the billing form, enables payment processing regardless of the amount of money, and enables payment processing for billing in batch processing. further, With this configuration, the payment management can be unified to a central processing unit, thereby stabilizing the business and reducing the payment processing cost. Furthermore, this configuration can deal with one-time payments.

Furthermore, with this configuration, a new billing data flow can be realized in which the merchant transmits the billing data to the customer's financial institution instead of directly to the customer, thereby facilitating the payment business. However, the credibility of the record can be enhanced. In addition, this configuration allows the merchant to complete the payment task.

In addition, the present invention provides a method for processing a payment for processing all or part of the amount of the billed amount when a financial institution requests a customer having a financial account to make a payment. The system

It has a financial institution system that the financial institution has,

Customer account data storage means for storing data relating to a customer's account; billing information storage means for receiving billing data sent from a trader and storing the contents of the billing data;

If the customer approves the transaction, a request for a change of account data is made using the information on the approval of the payment received by the payment information control means based on the information on the transaction stored in the billing information storage means. Formatting and outputting the account data changing means for changing the storage contents of the customer account data storing means,

Input a signal related to the request for changing the account data output from the account data changing means, and transfer the data to another financial institution having the financial account of the trader stored in the billing information storage means. And a transfer means for transmitting and transferring the data. With this configuration, it is possible to perform a payment operation for a trader account at another financial institution.

Further, the present invention provides a payment system for processing a payment of all or a part of a billed amount when a financial institution requests a customer who has a financial account to pay money. And

It has a financial institution system that the financial institution has,

Customer identification code storage means for storing a customer identification code;

Customer account number information storage means for storing information regarding the account number of the customer's financial account at another financial institution;

A billing information storage unit for receiving a billing data including a customer identification code sent from a trader and storing the contents of the billing data;

Payment information control means for accepting information relating to the approval of the bow I, which is entered by determining whether the customer is willing to pay the bill item; and

When the customer approves the bowing I, the billing information storage means uses the information on the bowing approval accepted by the payment information control means based on the information on the transaction stored in the billing information storage means. The transfer request for transferring the amount stored in the billing information storage means is formatted and output from the customer's account stored by the customer account number storage means, and the transfer request data is stored in the customer account number information storage means. Transfer data transmission means for transmitting to other financial institutions that

It is characterized by having.

With this configuration, payment can be made to customer accounts and broker accounts at other financial institutions.

The system according to the present invention further comprises output information control means for receiving the billing data, receiving the data of the account transfer from the account data changing means, and transmitting the data on the result of the account transfer via the communication system. It is preferable to provide Preferably, the system of the present invention further comprises payment information control means configured to cancel the request for the charge from the contents stored in the charge information storage means for the charge item for which the customer has not approved the payment.

The system of the present invention further comprises payment information control means configured to add, to the contents of the charge information storage means, canceling the request for the charge for a charge item for which the customer has not approved the payment. Is preferred.

In the system of the present invention, the output information control means includes: a billing item for which the customer has approved the payment; a billing item for which the customer has not approved the payment; a billing item for which the customer has approved the payment; Preferably, the system is configured to cause a communication via the communication system to be sent to the customer regarding a billing item for which he did not approve the payment. Preferably, the system of the present invention is configured such that when the customer approves the transaction, the customer authentication is performed by inputting predetermined customer identification information. With this configuration, the customer can approve Torigi I.

The system of the present invention includes a business terminal connected to a financial institution system via a communication system, and electronically transmits information on whether or not a customer has approved payment via the communication system from the financial institution system to the business terminal. Preferably, it is configured to do so. Further, with this configuration, the trader can complete the payment operation. Preferably, the system of the present invention further comprises an output device for outputting information on whether or not the customer's payment has been approved.

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, inputs information on whether or not a plurality of billing data items have been approved from the customer terminal, and collectively collects a plurality of billing data items. A system configured to perform the approval of the system. With this configuration, the customer can approve the transaction. The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, and is configured to input information on a payment date from the customer terminal. Is preferred.

The system of the present invention preferably includes a customer terminal connected to the financial institution system via the communication system, and is preferably configured to input information regarding a rule regarding payment timing from the customer terminal.

The system of the present invention preferably includes a customer terminal connected to the financial institution system via the communication system, and is preferably configured to input information on a request for approval of a plurality of persons from the customer terminal.

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system. The financial institution system creates a transaction statement, and electronically transmits information on the transaction statement to the customer via the communication system. Preferably, it is configured to communicate to the terminal. With this configuration, the customer can see all billing data. In the system of the present invention, it is preferable that the financial institution system includes an output device for outputting information relating to a transaction statement.

The system of the present invention includes a business terminal connected to a financial institution system via a communication system, and a request from the business terminal with a customer identification code via a communication system. Preferably, the system is configured to send the billing data to the financial institution system.

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, and the financial institution system includes information relating to billing data with a customer identification code or billing data with a customer account number. Is preferably electronically transmitted to the customer terminal via the communication system. With this configuration, the customer can view all billing data overnight.

The system of the present invention preferably includes a customer terminal connected to the financial institution system via a communication system, wherein the customer terminal is preferably configured to display details of billing data. With this configuration, the customer can view all billing data overnight. The system of the present invention preferably includes a customer terminal connected to the financial institution system via the communication system, and is preferably configured to input a question regarding billing from the customer terminal.

The system of the present invention includes a business terminal connected to a financial institution system via a communication system, and is configured such that a billing number or a billing code can be attached to billing data and input to the trader terminal. Is preferred.

In the system of the present invention, it is preferable that the account data changing means is configured so that a customer can set an automatic approval of payment for billing to a specific merchant. Preferably, the system of the present invention is configured such that the account data changing means is configured so that the customer can set automatic payment approval for a bill to a specific merchant within a certain amount range.

The system of the present invention is preferably configured to allow a customer to access a financial institution system via the Internet. This configuration allows customers to see all billing data.

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, and the customer terminal can simultaneously display a plurality of billing data on a screen and scroll billing items. It is preferable to be constituted as follows.

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, and the financial institution system sends a reconfirmation message to the customer terminal via the communication system in order to prevent incorrect authorization of the customer. It is preferably configured to be able to transmit to

The system of the present invention includes a customer terminal connected to a financial institution system via a communication system, and the customer terminal displays a plurality of billing data on a screen at the same time. It is preferable to be able to sort the date, billing amount, etc. The system of the present invention includes a customer terminal connected to the financial institution system via a communication system, and the customer terminal is preferably configured to allow the customer to enter a comment in data of an individual billing item. .

Further, in the system of the present invention, the customer terminal can be configured so that the customer can input a payment amount and the customer can specify that only a part of the billing amount be paid.

Further, in the system of the present invention, the customer terminal may be configured so that the customer can designate one or more billing items and display the account balance after the payment before completing the payment. Can be.

Further, in the system of the present invention, the customer terminal can be configured so that the customer can input a billing code or a billing number and display the billing data. With this configuration, the customer can view all billing data overnight. In this configuration, when the billing data is displayed, it is preferable that accounting items can be input to the billing item or detailed data of the billing item.

Further, in the system according to the present invention, the customer terminal can be configured so that the billing data can be sorted by the accounting sorting item. Further, in the system of the present invention, the billing request can be configured to be transmitted to the customer terminal by electronic means. With this configuration, the customer can view all billing details.

Further, the output device can be configured to output a check addressed to the merchant without performing a transfer in the financial institution system.

Further, in the system of the present invention, it is possible to provide a customer operation server for customer operation overnight so that each operator can set an amount that can be approved or an account of the other party. Further, in the system of the present invention, the customer terminal is connected to the financial institution system and the trader terminal via the communication system, billing data is transmitted from the trader terminal to the customer terminal via the communication system, and the billing data is transmitted to the communication system. Can be electronically transferred from the customer terminal to the financial institution system via the Internet.

[Brief description of drawings]

FIG. 1 is a block diagram showing a schematic configuration of a payment system according to a first embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the payment system according to the first embodiment of the present invention.

FIG. 3 is a front view showing a state in which a transaction approval list is displayed on a customer terminal in the first embodiment of the payment system of the present invention.

FIG. 4 is a front view showing a state in which the details of the transaction number 1 are displayed on the customer terminal in the first embodiment of the payment system of the present invention.

FIG. 5 is a block diagram showing a specific configuration of the payment system according to the first embodiment of the present invention.

FIG. 6 is a block diagram showing a schematic configuration of the payment system according to the second embodiment of the present invention.

FIG. 7 is a block diagram showing a schematic configuration of a system in which a first financial institution terminal and a second ATM are connected to a second financial institution system in the second embodiment of the payment system of the present invention.

FIG. 8 is a block diagram showing a schematic configuration of the payment system according to the third embodiment of the present invention. [Best mode for carrying out the invention]

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

(1) First embodiment

(1-1) Configuration of payment system of the present invention

Referring to FIG. 1, in a first embodiment of the payment system of the present invention, the payment system of the present invention includes a financial institution system 100 for managing account transactions such as billing, transfer, and payment. The financial institution system 100 is located in a financial institution. The financial institution system 100 is composed of billing information control means 110, billing information storage means 112, payment information control means 114, customer account data overnight storage means 116, and trader account data. It comprises storage means 118, account data change means 120, output information control means 122, and payment information storage means 124. The input device 130 and the output device 132 are connected to the financial institution system 100. The financial institution system 100 is located in banks, credit companies, post offices, and the like. The input device 130 includes, for example, a personal computer, a keyboard, a card reader, an optical disk reader, a magnetic disk reader, and the like. The output device 132 is composed of, for example, a printer, a display device, and the like.

Financial institutions have customers. The customer has a financial account (customer account) in the financial institution system 100. The customer has a customer terminal 160 for managing transactions with the financial institution. In addition, financial institutions do business with multiple companies. The trader has a financial account (trader account) in the financial institution system 100. Each trader has a trader terminal 150 for managing transactions with financial institutions.

Generally, a communication system 170 is provided for transmitting various types of information including audio information, image information, text information, and the like. The communication system 170 is a wired telephone system, a wireless telephone system, a mobile phone system, a network system such as the Internet, a wireless television system, a wired television system, and an interactive television system. This is a concept that includes systems, ISDN, LAN, and optical fiber network systems.

The trader terminal 150 is configured to be able to send a request for billing to the billing information control means 110 via the communication system 170. The customer terminal 160 is configured to be able to send payment-related data to the payment information control means 114 via the communication system 1702.

A plurality of ATMs are connected to the financial institution system 100. For simplicity, FIG. 1 shows a first ATM 180 that can send data to the billing information control means 110 and a second ATM 180 that can send data to the payment information control means 114. Only 2 ATM 18 2 is shown.

When the merchant requests payment to the customer, the merchant terminal 150 at least pays the amount of money, the identification code of the merchant and Z or the account number of the merchant at the financial institution, the customer identification code and / or the customer It is configured so that billing data including a number can be entered. The first ATM 180 will provide at least the amount paid, the identification code of the merchant and / or the account number of the merchant at the financial institution, the identification code of the customer and / or the customer at the financial institution when the merchant charges the customer. It is configured to be able to enter the billing date including the account number.

The billing information control means 110 is configured to accept the billing data sent from the trader terminal 150 via the communication system 170 and the billing data sent from the first ATM 180. When a contractor bills a customer and submits the billing data to a financial institution on paper, the person in charge of the financial institution inputs the billing data from the input device 130 to the billing information control means 110. It is configured to be able to. The billing information storage means 112 is configured to receive billing data from the billing information control means 110 and store the contents of the billing data.

The customer uses the billing information storage means 1 1 from the customer terminal 160 via the communication system 170. 2 to allow the customer terminal 160 to transmit billing data with the customer's identification code or account number. The billing data transmitted in this way is configured to be displayed on the display unit of the customer terminal 160. The customer is configured to be able to access the billing information storage means 112 from the first ATM 180.

The payment information control means 114 receives the transaction approval information from the customer terminal 160 through the communication system 170 from the customer terminal 160, which determines whether or not the customer can pay the billing item. Is composed of The second ATM 1802 is configured to allow the customer to enter information regarding the transaction approval that has determined whether the transaction is acceptable to pay for the invoiced item. When a customer approves a transaction, it is desirable to authenticate the customer by entering predetermined customer identification information. This customer-specific information may include the customer's personal identification number (pin number) and Z or information about the customer's vital characteristics. Information on the customer's ecological characteristics includes facial features (facial features), irises (irises), voiceprints, fingerprints, and so on.

The customer account data storage means 1 16 is configured to store data relating to the customer's account balance.

The merchant account data storage means 118 is configured to store data relating to the merchant account balance.

The output information control means 122 receives the billing data from the billing information control means 110, receives the data of the account transfer from the account data changing means 120, and communicates data relating to the result of the account transfer. It is configured so that it can be transmitted to the customer terminal 160 via the system 170. The data regarding the result of the account transfer transmitted in this manner is configured to be displayed on the display unit of the customer terminal 160. Further, the output information control means 122 is configured to be able to output the data relating to the result of the account transfer to the output device 132. The payment information control means 114 is configured to cancel the request for the charge from the storage contents of the charge information storage means 112 for the billing item for which the customer has not approved the payment. Alternatively, the payment information control means 114 is configured to add, to the stored contents of the billing information storage means 112, the cancellation of the request for the claim for a billing item for which the customer has not approved the payment. In this configuration, when the customer's instruction for further payment approval is input to the payment information control means 114, the account data change means 120 will execute the transaction output from the payment information control means 114. A signal relating to approval is input, and the contents of the customer account data storage means 116 and the contents of the supplier account data storage means 118 are stored using the billing data stored in the billing information storage means 112. It is configured so that it can be changed.

The output information control means 1 2 2 accepts the billing data from the billing information control means 110 for the billing items for which the customer has approved the payment and the billing items for which the customer has not approved the payment, and the customer has approved the payment. It is configured such that data relating to the billing item and the billing item for which the customer has not approved the payment can be transmitted to the customer terminal 160 via the communication system 170. The data on the billing item for which the customer has approved the payment and the data for the billing item for which the customer has not approved the payment are displayed on the display unit of the customer terminal 160.

Further, the output information control means 1 2 2 receives the billing data from the billing information control means 110 for the billing item for which the customer has approved the payment and the billing item for which the customer has not approved the payment, and It is configured to be able to send data on approved billing items and billing items for which the customer did not approve payment to the dealer terminal 150 through the communication system 170.

The payment information storage means 124 is configured to be able to receive information related to payment from the payment information control means 114 and store information related to payment. Account data changing means 1 20 is a means for controlling billing information when the customer approves the transaction. The signal regarding the billing data sent from 110 is accepted, and based on the information on the transaction stored in the billing information storage means 112, the information on the transaction approval accepted by the payment information control means 114 is used. Format and output the request to change the account data overnight, and change the storage contents of the customer account data storage means 116 and the storage contents of the supplier account data storage means 118. Is configured. That is, the account data changer 120 subtracts the billing amount from the customer's account balance stored in the customer account data storage means 116, and the trader account data storage means 118 stores it. The account transfer is performed by adding the billing amount to the account balance of the trader.

The billing information control means 110, the deposit information control means 114, the account data change means 120, and the output information control means 122 are provided in the convenience store as computer software. Good. That is, the billing information control means 110, the payment information control means 114, the account data overnight change means 120, and the output information control means 122 program the operation contents and operation procedure of each. It is better to create this program and install this program on your computer. The billing information storage means 1 1 2, the customer account data storage means 1 1 6, the trader account data overnight storage means 1 1 8, and the payment information storage means 1 2 4 are stored in a storage device connected to the computer. It is good to provide.

Furthermore, the output information control means 122 can be configured to electronically transmit a report on whether or not the customer's payment has been approved to the dealer terminal 150 via the communication system 170. Alternatively, the output information control means 1 2 2 sends information on whether the customer's payment has been approved to the output device 13 2, and the output device 13 2 sends the information on whether the customer's payment has been approved to paper by a printer. It can be configured to print. Paper with information on whether or not the customer's payment has been approved may be mailed to the merchant.

With this configuration, payment operations can be performed smoothly, economically, and quickly. In addition, the customer determines from the customer terminal 160 whether multiple billing items have been approved or not. The system can be configured to enter information for approval and execute approval for multiple billing data items at once. In this configuration, it is preferable that information on whether or not a plurality of billing data items have been approved is displayed on the display unit of the customer terminal 160. Information on the presence or absence of the approval of a plurality of billing items is input to the payment information control means 114 via the communication system 170. The payment information storage means 124 receives the information on the approval or disapproval of a plurality of billing data items from the payment information control means 114 and stores the information on the presence or absence of the approval of a plurality of billing data items. Can be configured.

In addition, for each payment request, the customer can be configured to input the information on the payment date from the customer terminal 160. In this configuration, the contents of the individual payment request and the information on the payment date are preferably displayed on the display unit of the customer terminal 160. Information on the payment date is input to the payment information control means 114 via the communication system 170. The payment information storage means 124 can be configured to receive the information regarding the payment date from the payment information control means 114 and store the information regarding the payment date.

In addition, the customer can be configured to enter information regarding rules regarding payment timing from the customer terminal 160. The information about the rules for when to pay includes the billing deadline, billing payment date, and so on. In this configuration, payments for customer-approved transactions are made according to the rules described above, unless the customer enters special instructions. Information on the rules regarding payment timing is preferably displayed on the display of the customer terminal 160. Information on the rules regarding the payment timing is input to the payment information control means 114 via the communication system 170. The payment information storage means 124 can be configured to receive the information regarding the rule regarding the payment timing from the payment information control means 114 and store the information regarding the rule regarding the payment timing. In this configuration, the billing items are grouped together for the billing deadline, or for the billing date of the billing, It is good to be displayed on the display of the customer terminal 160.

Further, the customer can be configured to enter information regarding the approval request of a plurality of persons from the customer terminal 160. In this configuration, a request for approval of a plurality of persons is input to the payment information control means 114 via the communication system 170. The payment information control means 114 can be configured so that the payment operation is not completed until information regarding the approval request of all of the plurality of persons has been input.

Further, the output information control means 122 may be configured to create a transaction statement and to electronically transmit information on the transaction statement to the customer terminal 160 via the communication system 170. it can. Alternatively, the output information control means 122 may be configured to send information about the transaction details to the output device 132, and the output device 132 may be configured to print the information about the transaction details on paper by a printer. The statement with information on the statement can be mailed to the customer.

Furthermore, the billing data with the customer's identification code or the billing data with the customer's account number is sent from the trader terminal 150 through the communication system 170 to the billing information control means 110. Can be. When receiving the billing data with the customer identification code or the billing data with the customer's account number, the billing information control means 110 outputs the data to the output information control means 122. The output information control means 122 sends information relating to the billing data with the customer's identification code or billing data with the customer's account number to the customer terminal 160 via the communication system 170 electronically. It can be configured to communicate.

Further, the customer terminal 160 can be configured to display details of the billing data. In this configuration, the customer approves each item in the billing process, and information on the presence or absence of approval in each item in the billing process is input to the payment information control means 114 via the communication system 170. The payment information storage means 124 receives the information on the presence or absence of approval for each item of the billing data from the payment information control means 114, and It can be configured to store information on the presence or absence of eye approval.

In addition, the customer can be configured to enter a billing question from the customer terminal 160. In this configuration, a question about billing is input to the payment information control means 114 via the communication system 170. The question about the bill is output from the payment information control means 114 to the output information control means 122. The output information control means 122 can be configured to electronically transmit the inquiry about the bill to the trader terminal 150 via the communication system 170.

Further, the trader can input the billing number or the billing code to the trader terminal 150 all the time after the billing. The billing data to which the billing number or the billing code is attached is sent from the trader terminal 150 to the billing information control means 110 via the communication system 170. The billing information storage means 112 is configured to receive a billing data attached with a billing number or a billing code from the billing information control means 110 and store the contents of the billing data. . The output information control means 122 receives the billing data from the billing information control means 110 for the billing data to which the billing number or billing code is attached, and attaches the billing number or billing code. It is configured such that the billing data can be attached to the information on the approval of the customer and transmitted to the trader terminal 150 via the communication system 170.

Further, the output information control means 122 receives the billing data from the billing information control means 110 for the billing data to which the billing number or the billing code is attached, and the billing number or the billing code is attached. It is configured such that the billing data can be transmitted to the customer terminal 160 via the communication system 100 at the time of transfer.

Further, the account data changing means 120 can be configured so that the customer can set the automatic approval of the payment related to the billing to a specific merchant. Alternatively, the account data change means 120 may be configured so that the customer can set automatic approval of payment for a specific company within a certain amount range. Can You.

Furthermore, it can be configured so that the customer can access the financial institution system 100 via the Internet. With this configuration, the customer accesses the billing information storage means 112, the customer account data storage means 116, the payment information storage means 124, etc., and confirms the contents of the data stored therein. Can be.

Further, the customer terminal 160 can be configured so that a plurality of billing data can be displayed on the screen at the same time and the claims can be scrolled.

Further, the output information control means 122 is configured so that a reconfirmation message can be transmitted to the customer terminal 160 via the communication system 170 in order to prevent incorrect approval of the customer. . The reconfirmation message is preferably displayed on the display of the customer terminal 160.

Further, when displaying a plurality of billing data simultaneously on the screen, the customer terminal 160 can be configured to be able to rearrange the billing issuer, billing date, billing amount, and the like.

Further, the customer terminal 160 can be configured to allow the customer to enter comments on the data of individual billing items. With this configuration, the customer terminal 160 keeps a record of individual billing items, such as "this billing item was our request", "correction of the previous payment has been added", etc. be able to.

Further, the customer terminal 160 can be configured so that the customer can input a payment amount and the customer can specify that only a part of the billing amount be paid. Further, the customer terminal 160 can be configured to allow the customer to specify one or more billing items and display the account balance after payment before completing the payment.

Further, the customer terminal 160 can be configured so that the customer can input a billing code or billing number and display the billing data. In this configuration, when displaying the billing data, it is preferable that the accounting item can be input to the billing item or the detailed data of the billing item.

Further, the customer terminal 160 can be configured so that the billing data can be sorted by the accounting sorting item.

Further, the billing request can be transmitted to the customer terminal 160 by electronic means.

In addition, the output device 132 can be configured to output a check addressed to a trader without performing a transfer in the financial institution system 100.

Further, the system may be provided with a customer operation overnight database for the operation of the customer, so that the amount or the counterparty account that each operation can approve can be set. Further, the customer terminal 160 is connected to the financial institution system 100 and the trader terminal 150 via the communication system 170, and the billing data is transmitted from the trader terminal 150 via the communication system 170. The billing data transmitted to the customer terminal 160 and the billing data can be electronically transferred from the customer terminal 160 to the financial institution system 100 via the communication system.

(1 · 2) Function of payment system of the present invention

Next, the operation of the first embodiment of the financial institution system of the present invention will be described. Referring to FIGS. 1 and 2, when a merchant claims payment to a customer, the merchant pays, the merchant's identification code and / or the account number of the merchant at the financial institution, the customer's identification code and / or the A billing message including the customer's account number and the like is input to the dealer terminal 150 (step S201). The billing data is sent from the trader terminal 150 to the billing information control means 110 of the financial institution system 100 via the communication system 170. The billing information storage means 112 receives the billing data from the billing information control means 110 and stores the contents of the billing data (step S202).

The customer accesses the billing information storage means 112 from the customer terminal 160 via the communication system 170 (step S203). The output information control means 122 transmits the billing data with the identification code or account number of the customer to the customer terminal 160 (step S204). The billing data transmitted in this manner. Is displayed on the display of the customer terminal 160. The customer inputs the approval / disapproval of the billing into the customer terminal 160 (step S205) o The approval / disapproval is sent from the customer terminal 160 to the payment information control means 114 via the communication system 170. Sent. If the customer approves the transaction, the customer is authenticated by entering predetermined customer identification information.

The account data overnight change means 120 determines whether the customer has approved the transaction or whether the customer has not authorized the transaction (step S206). If the customer approves the transaction, the account data changing means 120 creates an account transfer request (step S207). Next, the account data overnight change means 120 subtracts the billing amount from the customer's account balance stored in the customer account data storage means 116, and the trader account data overnight storage means 118 stores it. The account transfer is performed by adding the billed amount to the account balance of the contracting company (step S208).

The output information control means 122 sends information on whether or not the customer has approved the transaction or whether or not the customer has approved the transaction to the customer terminal 160 via the communication system 110 (see FIG. Step S209). Further, the output information control means 122 accepts the billing data from the billing information control means 110, accepts the account transfer data from the account data changing means 120, and communicates data relating to the result of the account transfer. It is configured to be able to transmit to the customer terminal 160 via the system 170. The data regarding the result of the account transfer transmitted in this way is displayed on the display unit of the customer terminal 160. Further, the output information control means 122 outputs the data concerning the result of the account transfer to the output device 132. The payment information control means 114 determines whether or not to cancel the request for the charge from the storage contents of the charge information storage means 112 for the billing item for which the customer did not approve the payment (step S210) ). If the customer cancels the request for billing for the item for which the payment has not been approved, the payment information control means 114 cancels the request for the bill from the storage contents of the billing information storage means 112 (step S 21). 1). If the customer does not cancel the request for billing the item for which payment has not been approved, the request for billing is stored in the contents of the billing information storage means 1 1 2 and further instructions from the customer are collected (step S 2 1 2 ) o

Referring to FIG. 3, the display of the customer terminal 160 can display a list of transactions indicating whether the customer has approved the payment. For example, the display section of the customer terminal 160 displays a transaction number, "Y" indicating that the customer has approved the payment, and "Ν" indicating that the customer has not approved the payment. .

Further, referring to FIG. 4, on the display of the customer terminal 160, as the details of the tori I number 1, the transaction number 1-1a, the transaction number 1-1b, the transaction number 1-c, etc. A “Y” is displayed to indicate that the customer has approved the payment, and a “Ν” is displayed to indicate that the customer has not approved the payment.

(1-3) Specific configuration of the payment system of the present invention

Next, regarding the first embodiment of the payment system of the present invention, a specific configuration of the system will be described. The vendor terminal 150 is a wired telephone, a wireless telephone, a mobile telephone, another digital wireless communication device (for example, a digital mobile telephone, a digital portable wireless device, etc.), a personal computer, a wireless television, a wired television, a two-way telephone. It consists of television, ISDN terminal equipment, LAN terminal equipment, and optical fiber networking system terminal equipment. Similarly, the customer terminal 160 can be a wired telephone, a wireless telephone, a mobile phone, another digital wireless communication device (eg, a digital mobile phone, a digital mobile wireless device, etc.), a personal computer, a wireless telephone. It consists of television, cable television, interactive television, ISDN terminal equipment, LAN terminal equipment, and optical fiber network system terminal equipment.

FIG. 5 shows a case where the trader terminal 250 and the customer terminal 260 are constituted by personal computers. Referring to FIG. 5, the financial institution system 100 is composed of a convenience store 140, a storage device 142, a terminal device 144, an output device 144, and a telephone 148. Prepare. For example, the storage device 144 is formed of a magnetic disk, a magnetic tape, an optical disk, or the like, or an appropriate combination thereof. The terminal device 144 includes, for example, a personal computer, a keyboard, a card reader, and the like. The output device 1.46 includes, for example, a printer and a display device. The telephone set 148 is formed of, for example, a normal wired telephone, a mobile telephone, a digital mobile telephone, or the like. The first ATM 180 and the second ATM 180 2 are connected to the financial institution system 100.

The terminal 250 is connected to a personal computer 250, a personal computer 250 connected to a personal computer 250, and a terminal adapter 250 connected to the personal computer 255 (1 SDN). (Or a modem in the case of a telephone line). With this configuration, the information on the bill can be transmitted electronically to the financial institution system 100 from the personal computer 255 of the trader terminal 250 by e-mail via the network 270. Information on billing and payment can be transmitted electronically from the financial institution system 100 to the personal computer 254 of the trader terminal 250 by e-mail via the network 270. The personal computer 254 accepts the billing and payment information electronically, displays the information on the display device of the personal computer 254, and prints the information by the print server 256 if necessary. can do.

The customer terminal 260 is composed of a personal computer 264 and a personal computer. It is equipped with a printer 266 connected to the 264 and a terminal adapter 268 (for ISDN) (or a modem for a telephone line) connected to the personal computer 264. With this configuration, the payment information can be transmitted electronically from the personal computer 264 of the customer terminal 260 to the financial institution system 100 by e-mail via the network 270. Information on billing and payment can be electronically transmitted from the financial institution system 100 to the personal terminal 264 of the customer terminal 260 by e-mail via the network 270. The personal computer 264 accepts the billing and payment information electronically, displays the information on the display of the personal computer 264, and if necessary, prints the information to the printer 266. More can be printed.

(2) Second embodiment

Next, a second embodiment of the payment system of the present invention will be described. That is, the second embodiment of the payment system of the present invention shows a case where the customer's account is at the first financial institution and the merchant's account is at the second financial institution.

The following description mainly describes the differences between the second embodiment of the payment system of the present invention and the first embodiment of the payment system of the present invention. Therefore, the description of the first embodiment of the payment system of the present invention described above applies mutatis mutandis to places not described below.

(2 ・ 1) Payment system in which trader account data is stored in the second financial institution system

Hereinafter, in the second embodiment of the payment system of the present invention, the first financial institution system is connected to a customer terminal, a trader terminal, and an ATM, and stores the customer account data, 2Financial institution system stores the account The configuration of the payment system is described.

Referring to FIG. 6, in a second embodiment of the payment system of the present invention, the payment system of the present invention includes a first financial institution system 220 for managing account transactions such as billing, transfer, and payment. And a second financial institution system 240 having a similar function. For the sake of simplicity, FIG. 6 shows only the first financial institution system 220 and the second financial institution system 240, but the payment system of the present invention has three or more financial institutions. A system can be included.

The first financial institution system 220 is located at the first financial institution. The second financial institution system 240 is allocated to the second financial institution. The first financial institution system 220 includes a billing information control means 110, a billing information storage means 112, a payment information control means 114, a customer account data storage means 116, and an output information control. It comprises means 122, payment information storage means 124, account data changing means 222, and transfer data transmitting means 222. The input device 130 and the output device 132 are connected to the first financial institution system 220. The first financial institution system 220 is located in a bank, a credit company, a post office, or the like.

Financial institutions have customers. The customer has a financial account (customer account) in the first financial institution system 220. The customer has a customer terminal 160 for managing transactions with the financial institution. In addition, the first financial institution system 22 ◦ trades with multiple companies. Each trader has a trader terminal 150 for managing transactions with financial institutions.

Generally, a communication system 170 is provided for transmitting various types of information including audio information, image information, text information, and the like.

A plurality of ATMs are connected to the first financial institution system 220. To simplify the explanation, FIG. 6 shows that the first ATM 180 that can send data to the billing information control means 110 and the data that can be sent to the payment information control means 114 2nd ATM that can Is shown only.

When the customer's further payment approval instruction is input to the payment information control means 1 14, the account data change means 2 2 2 inputs a signal regarding the transaction approval output by the payment information control means 1 14. Then, the storage contents of the customer account data storage means 116 can be changed using the charge data stored in the charge information storage means 112.

When the customer approves the transaction, the account data changing means 2 2 2 uses the payment information control means 1 1 4 based on the information on the transaction stored in the billing information storage means 1 A request for changing account data is formatted and output using the information, and the storage contents of the customer account data storage means 116 are changed. That is, the account data overnight changing means 222 is configured to subtract the billing amount from the customer account balance stored in the customer account data storage means 116. The transfer data transfer means 222 inputs the signal relating to the request for changing the account data output from the account data change means 222 and receives the signal of the trader stored in the billing information storage means 112. It is configured to format, output, and transmit the transfer data to a second financial institution having a financial account.

Generally, a communication system 230 is provided for transmitting various kinds of information including audio information, image information, and text information. Communication systems 230 include wired telephone systems, wireless telephone systems, mobile phone systems, network systems such as the Internet, wireless television systems, wired television systems, two-way television systems, ISDN and LAN optical fiber network systems. Ο is a concept that includes

The transfer data transmission means 224 is configured to electronically transmit information regarding the transfer data to the second financial institution system 240 via the communication system 230. Billing information control means 110, deposit information control means 114, output information control means 1 22, the account data overnight changing means 222, and the transfer data transmitting means 222 are preferably provided in a computer as combination software. In other words, the billing information control means 110, the deposit information control means 114, the output information control means 122, the account data change means 222, and the transfer data transfer means 222 are respectively It is better to create the operation details and operation procedure in a program and install this program on a computer. The billing information storage means 112, the customer account data storage means 116, and the payment information storage means 124 are preferably provided in a storage device connected to a computer.

The second financial institution system 240 has the same function as the first financial institution system 220. Further, the second financial institution system 240 includes a transfer data receiving means 242, a transfer processing executing means 244, a trader account data storage means 246, and a transfer result output means 248. And An input device (not shown) and an output device 280 are connected to the second financial institution system 240. The second financial institution system 240 is located in banks, credit companies, post offices and the like.

A plurality of ATMs are connected to the first financial institution system 220. For simplicity, FIG. 6 shows a first ATM 180 that can send data to the billing information control means 110 and a second ATM 180 that can send data to the payment information control means 114. Only 2 ATMs are shown.

The communication system 230 is provided for transmitting various information including audio information, image information, character information, and the like. Transfer data transfer means 2 2 4 It is configured to transmit information about evening electronically to the second financial institution system 240 through the communication system 230.

The transfer data receiving means 2 42 is configured to receive information about the transfer data from the transfer data transmitting means 2 24 via the communication system 230.

The trader account data storage means 246 stores the trader's account data.

The transfer processing executing means 244 is configured to execute the transfer processing based on the information regarding the transfer data received by the transfer data receiving means 242. That is, the transfer processing executing means 244 is configured to change the storage content of the trader account data storage means 246 based on the information on the transfer data received by the transfer data receiving means 242. You.

The transfer result output means 248 is configured to output the result of the transfer processing to the output device 280 based on a signal regarding the transfer result output by the transfer processing execution means 244.o

The output device 280 is configured to output the result of the transfer process.

The transfer data receiving means 242, the transfer processing executing means 244, and the transfer result output means 248 are preferably provided in a computer as computer software. In other words, the transfer data receiving means 2 42 and ', the transfer processing executing means 2 44, and the transfer result output means 2 48 create the respective operation contents and operation procedures in a program, and execute the program Should be installed on your computer. The merchant account data storage means 246 is preferably provided in a storage device connected to the computer.

With this configuration, it is possible to perform a payment operation for a trader account at another financial institution.

(2.2) Payment system in which the first financial institution terminal and the second ATM are connected to the second financial institution system Next, in the second embodiment of the payment system of the present invention, a description will be given of a configuration of a payment system in which a first trader terminal and a second ATM are connected to a second financial institution system.

Referring to Figure 7, multiple financial institutions, including the first and second financial institutions, are trading with each other. For simplicity, FIG. 7 shows only the first financial institution system 301 and the second financial institution system 302. The first financial institution system 301 and the second financial institution system 302 have the same functions as the above-described financial institution system 100.

The first financial institution system 301 and the second financial institution system 302 are configured to be able to exchange information regarding transactions via a wired communication system or a wireless communication system. For example, the first financial institution system 301 and the second financial institution system 302 are connected via a communication system 370. The communication system 370 is preferably connected by one of LAN, ISDN, an optical fiber network system or the like, or an appropriate combination thereof.

The first financial institution has multiple customers. Customers include primary customers. Customers include individuals, organizations, and corporations. Each customer has a financial account (customer account) at the first financial institution. Each customer has a customer terminal to manage transactions with financial institutions. That is, the first customer has the first customer terminal 360. The first financial institution system 301 and the first customer terminal 360 are connected via a communication system 371. For simplicity, FIG. 7 shows only the first customer terminal 360. The second financial institution does business with several companies. Contractors include primary contractors. Contractors include individuals, organizations, and corporations. Each vendor has a financial account (trader account) at the second financial institution. Each trader has a trader terminal to manage transactions with financial institutions. That is, the first trader has a first trader terminal 350. The second financial institution system 302 and the first trader terminal 350 are connected via the communication system 372. Connected. For simplicity, FIG. 7 shows only the first trader terminal 350.

A plurality of ATMs are connected to the first financial institution system 301. A plurality of ATMs are connected to the second financial institution system 302. For simplicity of description, FIG. 7 shows only the first ATM 381 and the second ATM 382.

When the first company claims the customer for payment, the first company will pay the amount, the first company's identification code and / or the first company's account number at the financial institution, the first customer's identification code and / or financial The billing data including the account number of the first customer at the institution is input to the first trader terminal 350. The billing request is sent from the first trader terminal 350 to the second financial institution system 302 via the communication system 37. Further, the billing data is sent from the second financial institution system 302 to the first financial institution system 301 via the communication system 372.

The first customer accesses the first financial institution system 301 from the first customer terminal 360 through the communication system 371. The first customer enters into the first customer terminal 360 the presence or absence of a request for approval. The approval or non-approval is sent from the first customer terminal 360 to the first financial institution system 301 via the communication system 371. When the first customer approves the transaction, the first financial institution system 301 subtracts the billing amount from the first customer's account balance stored in the customer account data storage means, and obtains information on the billing amount. The information is sent to the second financial institution system 301 via the communication system 370. The second financial institution system 302 performs the account transfer by adding the billing amount to the trader's account balance stored in the trader account data storage means.

With this configuration, multiple financial institutions can make quick and efficient billing and payment with direct debit o (3) Third embodiment

Next, a third embodiment of the payment system of the present invention will be described. In other words, the second embodiment of the payment system of the present invention is a case where the customer accesses the payment system at the first financial institution, where the customer's account is at the second financial institution, and Indicates that the account is at a second financial institution.

The following description mainly describes differences between the third embodiment of the payment system of the present invention and the first embodiment of the payment system of the present invention. Therefore, the description of the first embodiment of the payment system of the present invention described above applies mutatis mutandis to places not described below.

Referring to FIG. 8, in a third embodiment of the payment system of the present invention, the payment system of the present invention includes a first financial institution system 420 for managing account transactions such as billing, transfer, and payment. , A second financial institution system 440 for managing account transactions such as billing, transfer, and payment. For the sake of simplicity, FIG. 8 shows only the first financial institution system 420 and the second financial institution system 440. However, the payment system of the present invention has three or more financial institutions. System can be included.

The first financial institution system 420 is located at the first financial institution. The second financial institution system 450 is allocated to the second financial institution. The first financial institution system 420 includes a billing information control means 110, a billing information storage means 112, a payment information control means 114, an output information control means 122, and a payment information storage means. 1 2 4, transfer data transmission means 4 22, customer identification code storage means 4 26, and customer account number information storage means 4 28. The input device 130 and the output device 132 are connected to the first financial institution system 420. The first financial institution system 420 is located in banks, credit companies, post offices, and the like.

Financial institutions have customers. The customer has a financial account in the second financial institution system 440 (Customer account). Customer is a customer terminal for managing transactions with financial institutions

It has 160. In addition, the first financial institution system 420 conducts transactions with multiple companies. Each trader has a trader terminal 150 for managing transactions with financial institutions.

A plurality of ATMs are connected to the first financial institution system 420. For simplicity, FIG. 8 shows that the first ATM 180 that can send data to the billing information control means 110 and the data that can be sent to the payment information control means 114 Only the second ATM that can be illustrated is shown.

Customer identification code storage means 4 26 is provided for storing the identification code of the customer. The customer account number information storage means 428 is provided for storing information relating to the account number of the customer's financial account at the second financial institution.

The billing information storage means 112 is provided for receiving the billing data including the customer identification code sent from the trader from the billing information control means 110 and storing the contents of the billing data.

When the customer approves the transaction, the transfer data transfer means 4 2 2 uses the transaction information accepted by the payment information control means 1 14 based on the information on the transaction stored in the billing information storage means 1 1 2. The transfer request for transferring the amount stored in the billing information storage means 112 from the customer's account stored in the billing information storage means 112 is output using the The transfer request data is transmitted to the second financial institution stored in the customer account number information storage means 428. It is preferable that the transfer data transfer means 422 is configured to output transfer request data to the output device 132.

In general, the communication system 430 has various types of information including audio information, image information, and text information. It is provided to convey species information. The communication system 430 is a wired telephone system, wireless telephone system, mobile phone system, network system such as Inuichi Net, wireless television system, wired television system, interactive television system, ISDN, LAN, optical fiber It is a reminder to include one network system.

The transfer data transmission means 422 is configured to electronically transmit information regarding the transfer data to the second financial institution system 440 via the communication system 430. The second financial institution system 440 has the same function as the first financial institution system 420. Further, the second financial institution system 44 0 includes a transfer data receiving means 4 42, a transfer processing executing means 4 44, a customer account data storage means 4 46, a trader account data storage means 4 4 8, Transfer result output means 4 52. An input device (not shown) and an output device 460 are connected to the second financial institution system 440. The second financial institution system 240 is located in banks, credit companies, post offices, and the like.

The transfer data receiving means 4 42 is configured to receive information about the transfer data from the transfer data transmitting means 4 2 2 via the communication system 4 330.

The customer account data storage means 4 4 6 stores the customer account data storage.

The trader account data storage means 4 4 8 stores the trader's account data.

The transfer processing executing means 4 4 4 is configured to execute the transfer processing based on the information on the transfer data received by the transfer data receiving means 4 42. That is, the transfer processing executing means 4 4 4 is configured to store the contents of the customer account data storing means 4 4 6 and the trader account data storage based on the information on the transfer data received by the transfer data receiving means 4 4 2. Means 4 4 8 are configured to change the stored content.

The transfer result output means 452 is configured to output the result of the transfer processing to the output device 460 based on a signal regarding the transfer result output by the transfer processing execution means 444. The output device 460 is configured to output the result of the transfer processing. The transfer data receiving means 4 42, the transfer processing executing means 4 44, and the transfer result output means 4 48 are preferably provided in a computer as a computer software for viewing. That is, the transfer data receiving means 4 42, the transfer processing executing means 4 44, and the transfer result output means 4 48 create their operation contents and operation procedures in a program, and transfer this program to the computer. Good to install. The customer account data storage means 446 and the trader account data storage means 448 are preferably provided in a storage device connected to a computer.

With this configuration, payment can be made to customer accounts and trader accounts at other financial institutions.

[Industrial applicability]

The system of the present invention does not require the customer to input data overnight, does not cause data entry errors, does not require mailing costs, and allows the merchant to easily compare the billing contents with the payment contents. be able to.

In addition, the system of the present invention enables standardization of the billing format, enables payment processing regardless of the amount of money, and enables notch processing to perform payment for billing.

Further, with the system of the present invention, payment data management can be unified to a central processing unit, business can be stabilized, payment processing costs can be reduced, and one-time payments can be made. Can be dealt with.

Claims

The scope of the claims

1. A payment system for a customer who has a financial account at a financial institution to process payment of all or part of the billed amount when the customer requests payment of money.

It has a financial institution system that the financial institution has,

A customer account data storage means for storing data relating to a customer's account, a trader account data storage means for storing data relating to a trader's account, and a billing data sent from the trader is accepted. A billing information storage means for storing the contents of the billing data;

When the customer approves the bowing I, the account data change is performed using the information on the transaction approval accepted by the payment information control means based on the information on the bowing 1 stored in the billing information storage means. An account data changing means for formatting and outputting the request and changing the storage contents of the customer account data storage means and the storage contents of the supplier account data storage means;

A system comprising:

2. A payment system for a customer who has a financial account at a financial institution to process payment of all or a part of the amount of the bill when the customer requests payment of money,

The financial institution system provided by the financial institution is provided.

A customer account data storage means for storing data relating to a customer's account, and accepting billing data sent from a trader and storing the contents of the billing data Billing information storage means for

If the customer approves the transaction, the request for changing the account data is formatted using the information on the transaction approval accepted by the payment information control means based on the information on the transaction stored in the billing information storage means. Account data change means for changing the storage contents of the customer account data storage means;

A signal relating to a request for changing the account data output from the account data changing means is input, and the transfer data is formatted for another financial institution having a financial account of the trader stored in the billing information storage means. And a transfer data transmitting means for outputting and transmitting.

3. A payment system for a customer who has a financial account at a financial institution to process payment of all or part of the billed amount when the customer requests payment of money,

It has a financial institution system that the financial institution has,

Billing information storage means for receiving billing data including a customer identification code sent from a trader and storing the contents of the billing data;

Payment information control means for accepting information regarding the transaction approval which is entered by determining whether the customer is willing to pay the billing item; and

When the customer approves bowing I, the payment information control means accepts the bowing (based on the information on the bowing I stored in the billing information storage means, The billing information storage means stores the customer's account stored in the storage means A transfer request for transferring the transfer amount is formatted and output, and the transfer request data for transmitting the transfer request data to another financial institution stored in the customer account number information storage means. Overnight transmission means,

A system comprising:

4. The system according to any one of claims 1 to 3, wherein the payment information storage means for receiving information regarding a payment sent from a customer and storing the information regarding the payment. A system comprising:

5. The system according to any one of claims 1 to 3, wherein the system accepts the billing data, accepts the debit data from the account data changing means, and obtains data on the result of the debit transfer. A system comprising output information control means for transmitting via a communication system.

6. The system according to any one of claims 1 to 3, wherein, for the billing item for which the customer has not approved the payment, the billing information is stored in the billing information storage means. A system comprising payment information control means configured to cancel a request.

7. The system according to any one of claims 1 to 3, wherein, for a billing item for which the customer did not approve the payment, the billing request is stored in the billing information storage means. A payment information control means configured to add the cancellation of the payment information.

8. The system according to any one of claims 1 to 3, wherein the billing data is for a billing item for which the customer has approved the payment or for a billing item for which the customer has not approved the payment. And an output information control means configured to transmit, via the communication system, data on the billing item for which the customer has approved the payment and for the billing item for which the customer has not approved the payment. .

9. The system according to any one of claims 1 to 3, wherein A system characterized in that when a customer approves a transaction, the customer is authenticated by entering predetermined customer identification information.

10. The system according to any one of claims 1 to 3, wherein the system includes a trader terminal connected to the financial institution system through a communication system, and the customer's approval for payment is provided. 10. A system characterized in that information on the presence or absence is electronically transmitted from a financial institution system to a trader terminal via a communication system.

11. The system according to any one of claims 1 to 3, further comprising an output device for outputting information on whether or not the customer's payment has been approved. And the system.

1 2. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, and a plurality of billing data from the customer terminal. A system characterized in that it is configured to input a report on whether or not an item has been approved, and to execute approval of a plurality of billing data items collectively.

13. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, and information on a payment date from the customer terminal. A system characterized in that it is configured to input

14. The system according to any one of claims 1 to 3, wherein the system includes a customer terminal connected to the financial institution system via a communication system, and a rule regarding payment timing from the customer terminal. A system configured to input information about the system.

15. The system according to any one of claims 1 to 3, including a customer terminal connected to the financial institution system via a communication system, and a plurality of persons in charge from the customer terminal. The system is configured to enter information regarding a request for approval of the user.

16. The system according to any one of claims 1 to 3, further comprising a customer terminal connected to the financial institution system via a communication system, wherein the financial institution system includes: And a system for electronically transmitting information on the transaction details to the customer terminal via the communication system.

17. The system according to any one of claims 1 to 3, wherein the financial institution system includes an output device for outputting information on a transaction statement. .

18. The system according to any one of claims 1 to 3, including a trader terminal connected to the financial institution system via the communication system, and a trader terminal connected via the communication system. And sending billing data with the customer's identification code or billing data with the customer's account number to the financial institution system.

1 9. The system according to any one of claims 1 to 3, including a customer terminal connected to the financial institution system via a communication system, wherein the financial institution system identifies the customer. A system characterized in that information relating to signed billing data or billing data bearing a customer account number is electronically transmitted to a customer terminal via a communication system.

20. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, wherein the customer terminal is a detail of the billing data. A system configured to display

2 1. The system according to any one of claims 1 to 3, which includes a customer terminal connected to the financial institution system via a communication system, and wherein the customer terminal asks a question about the bill. A system configured to be input.

22. Claims The system according to any one of claims 1 to 3, which includes a company terminal connected to a financial institution system via a communication system, and A system characterized by being configured so that a billing number or a billing code can be attached and input to a trader terminal in the evening.

23. The system according to any one of claims 1 to 3, wherein the means for changing the account data is a method in which the customer requests a specific business operator to automatically approve the payment relating to the bill. A system characterized in that it is configured to allow setting.

24 4. Claims The system according to any one of claims 1 to 3, wherein the account data changing means is configured to allow a customer to make a request to a specific company within a certain amount of money. In contrast, a system characterized in that automatic payment approval can be set.

25. The system according to any one of claims 1 to 3, wherein the system is configured such that a customer can access a financial institution system via Internet. System to do.

26. The system described in any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, wherein the customer terminal includes a plurality of terminals. The system is configured to simultaneously display the billing data on the screen and scroll the billing items.

27. The system according to any one of claims 1 to 3, comprising a customer terminal connected to a financial institution system via a communication system, wherein the financial institution system is a customer terminal. The system is configured so that a reconfirmation message can be transmitted to the customer terminal via the communication system in order to prevent incorrect approval.

28. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, wherein the customer terminal comprises a plurality of claims. When data is displayed on the screen at the same time, it is configured to be able to sort such as the company that issued the bill, the date of the bill, the bill amount, etc. System to do.

29. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system through a communication system, wherein the customer terminal is an individual customer. The system is configured so that a comment can be entered in the night of a billing item.

30. The system according to any one of claims 1 to 3, including a customer terminal connected to the financial institution system via a communication system, wherein the customer terminal is a payment system of the customer. A system in which an amount can be entered and the customer can specify to pay only a portion of the amount billed.

31. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, wherein the customer terminal One or more billing items, and the system can be configured to display the account balance after payment before completing the payment.

3 2. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system via a communication system, wherein the customer terminal is The system is configured to be able to display the billing data by inputting a code or a billing number.

33. The system according to claim 32, wherein when displaying the billing data, it is possible to input an accounting sorting item for the billing item or detailed data of the billing item. The system characterized by being comprised as follows.

34. The system according to claim 33, wherein the billing data is arranged so as to be sorted by the accounting sort item.

35. The system according to any one of claims 1 to 3, wherein A system comprising a customer terminal connected to a financial institution system via a communication system, and configured to be able to transmit billing data to the customer terminal by electronic means.

36. The system according to any one of claims 1 to 3, wherein the financial institution system includes an output device for outputting a check addressed to a trader without executing a transfer in the financial institution system. A system characterized by the following.

37. The system according to any one of claims 1 to 3, wherein the system comprises a customer operation database for customer operations, and the amount or counterparties that each operation can approve. A system characterized in that an account can be set up.

38. The system according to any one of claims 1 to 3, including a customer terminal connected to a financial institution system and a trader terminal via a communication system, wherein the customer terminal is: A system wherein billing data is transmitted from a trader to a customer via a communication system, and the billing data can be electronically transferred from the customer to the financial institution system via the communication system.