JP2001250069A - System and method for demand/payment, device and method for managing demand/payment, demand system, payment system, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently perform the demand and payment of money. SOLUTION: A cooperative center 2 is provided with a sorting means for receiving demand data showing demand amounts transmitted by plural demand enterprises 1 for mediating demands to be performed to plural payment sources by the plural demand enterprises 1, and sorting these demand data for each of the same payment resource, bill preparing means for preparing bills to be sent to the respective payment sources from the demand data sorted by the sorting means, bill sending means for sending the bills to the respective payment sources, payment information preparing means for sorting the information showing the payments from the plural payment resources according to the bills simultaneously for the same demand enterprise 1 and preparing payment information showing the payment resource, which performs the payment, and payment information transmitting means for making the demand enterprise 1 perform deleting processing for discriminating the demand of completed payment and the demand of no payment by transmitting the payment information to each of demand enterprises 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing and payment system for billing and paying money. The present invention also relates to a billing / payment management device that manages billing and payment of money. Further, the present invention relates to a method of charging and paying money and a management method. Further, the present invention relates to a recording medium on which a program for realizing billing and payment of money is recorded.

[0002]

2. Description of the Related Art Conventionally, a company that conducts business transactions with consumers prepares bills and the like showing the amount of money to be billed and the details of the bills in order to collect accounts receivable generated by the business transactions. Mailed to each consumer.

[0003]

However, with the diversification of credit cards and the spread of mobile phones, the number of customers of companies (billing companies) that claim receivables has increased dramatically. The burden and cost of the billing business are increasing. Further, when the customer is a company (paying company), the billing company often has to bill the accounts receivable in a format desired by the paying company. The burden on companies is further increasing. In addition, the information available from the existing financial network includes the name of the paying company or payer, the amount of payment, and the date and time of payment. There is a problem that the managing clearing process cannot be performed efficiently.

On the other hand, the number of bills sent from a plurality of billing companies to a paying company that pays accounts receivable is enormous, and since most of the bills are paper, the burden on the storage and management of the bills and the payment processing is increased. And the cost is high. Similarly, the amount of bills mailed to the individual (payer) who pays the accounts receivable is increasing, and the management of bills for each household or each individual is complicated. As mentioned above, since paper invoices are created in large quantities to collect accounts receivable,
It also has a negative impact on the environment. Accordingly, the present invention provides a billing / payment system, a billing / payment method, a billing / payment management device, a billing / payment management method, and a recording medium that enable efficient billing and payment of money. With the goal. Further, the present invention provides a billing / payment system, a billing / payment method, a billing / payment management apparatus, a billing / payment management method, and a billing / payment management method for billing and paying money without requiring paper.
It is intended to provide a recording medium.

[0005]

In order to achieve the above object, a billing / payment system according to a first aspect of the present invention is used by a billing source for billing a plurality of payment sources, and a plurality of the payment systems. A plurality of billing systems for billing each other, and a billing mediation unit that mediates bills made by the plurality of billing systems and collects bills by the plurality of billing systems for each of the same payment sources to each of the payment sources Payment mediation means for mediating payments made by the plurality of payment sources to a plurality of billing sources in accordance with the claims, and performing payments made by the plurality of payment sources to each of the billing sources collectively for the same billing source. ,
And an intermediary system comprising: According to the present invention, a plurality of bills and a plurality of payments are put together by the mediation system, so that money bills and payments can be made efficiently.

A billing / payment method according to a second aspect of the present invention is for intermediating a billing process in which a plurality of billing systems for billing a plurality of payment sources make a bill and a billing process performed by the plurality of billing systems. A billing intermediation step of collectively billing the plurality of billing systems for each of the same payment sources to each of the payment sources, and brokering payments made by the plurality of payment sources to the plurality of billing sources in accordance with the claims. And a payment intermediation step of collecting payments made by a plurality of payment sources for each of the same billing sources and performing the payment to each of the billing sources.

[0007] A billing / payment management device according to a third aspect of the present invention transmits a plurality of billing systems transmitted by a plurality of billing systems in order to mediate bills made by the plurality of billing systems used by the billing sources to the plurality of payment sources. Receiving the billing data indicating the billing amount and classifying the billing data for each same payment source, and creating a bill to be sent to each of the payment sources from the billing data separated by the classification unit. And a bill sending means for sending the bill to each of the payment sources.

[0008] Payment information creation means for collecting information indicating that a plurality of payment sources have made payments in accordance with the bill, sorting the same for each same billing source, and creating payment information indicating the payment source that made the payment. And payment information transmitting means for transmitting the payment information to each of the billing systems, thereby causing the billing system to perform a clearing process for determining whether the bill is paid or unpaid. Is also good.

[0009] The bill creating means may create the bill in the form of electronic data.

[0010] A distribution means may be further provided which collects the amounts paid by a plurality of payment sources to a predetermined account according to the bill and distributes the sums to the accounts of the plurality of billing sources.

[0011] In a billing / payment management method according to a fourth aspect of the present invention, a plurality of billing systems transmitted by a plurality of billing systems are used to mediate bills made by the plurality of billing systems to the plurality of payers. Receiving the billing data indicating the billing amount and separating the billing data for each same payment source, and, from the billing data separated in the separation process, a bill for sending to each of the payment sources. It is characterized by comprising a bill creating step of creating, and a bill sending step of sending the bill to each of the payment sources.

A payment information generating step of collecting information indicating that a plurality of payment sources have made payments in accordance with the bill, sorting the same for each same billing source, and generating payment information indicating the payment source that has made payment; And a payment information transmitting step of transmitting the payment information to each of the billing systems, thereby causing the billing system to perform a reconciliation process of discriminating between a paid bill and an unpaid bill. Is also good.

[0013] The bill creation step may include a step of creating the bill in the form of electronic data.

[0014] The method may further include a distribution step in which a plurality of payment sources collectively transfer the amounts transferred to a predetermined account in accordance with the bill and distribute the sums to the plurality of billing source accounts.

[0015] A billing system according to a fifth aspect of the present invention is used by a billing source that bills a plurality of payment sources, a plurality of billing systems that bills the plurality of payment sources, and a plurality of the billing systems. A billing intermediary system that mediates the claims made by each of the plurality of billing systems, and collects the claims by the same payment source for each of the payment sources;
It is characterized by being comprised from.

[0016] A payment system according to a sixth aspect of the present invention is used by a payment source that makes a payment in accordance with a request made by a plurality of billing sources, and includes a plurality of payment systems that make payments to the plurality of billing sources; And a payment mediation system that mediates payments made by the payment system and collects payments made by a plurality of the payment systems for each same billing source to each of the billing sources. .

[0017] A computer-readable recording medium according to a seventh aspect of the present invention is a computer-readable recording medium comprising: a plurality of billing systems used by a billing source; A system for receiving billing data indicating a billing amount transmitted by the system, a separating unit for separating the billing data for each same payment source, and a method for sending to the respective payment sources from the billing data separated by the separating unit. A program for functioning as a bill management device, comprising: a bill creating means for creating a bill; and a bill sending means for sending the bill to each of the payment sources. .

A computer-readable recording medium according to an eighth aspect of the present invention is a computer-readable recording medium for mediating payments made by a plurality of payers according to bills made by a plurality of billing systems used by the billers. Payment information creating means that collectively sorts information indicating that the payment source has made payment for the same billing source and creates payment information indicating the payment source that made the payment, A payment information transmitting unit that transmits the payment information to cause the billing system to perform a reconciliation process of discriminating between a paid bill and an unpaid bill. The program to make it record.

According to a ninth aspect of the present invention, there is provided a computer-readable recording medium, comprising: a receiving unit that receives a bill created in the form of electronic data from a billing source; Transfer means for transferring a predetermined amount to a predetermined account according to the bill received by
And transmitting means for generating transfer completion data indicating that the transfer means has completed the transfer and transmitting the data to a billing source. The program records a program for functioning as a payment system.

[0020]

Next, a billing / paying system according to an embodiment of the present invention will be described with reference to the drawings. The billing and payment system, for example, as shown in FIG.
It is composed of a billing company 1, a joint center 2, a paying company 3, and a payer 4. Billing company 1 is paying company 3
And a commercial transaction with the payer 4. And the billing company 1
In order to collect the accounts receivable (payment) generated by the commercial transaction, the paying company 3
Then, it generates billing data such as the billing amount and billing detail data relating to the billing to the payer 4, and transmits it to the joint center 2 via the network. Thereby, the billing company 1
Claim the accounts receivable to the paying company 3 and the payer 4.

The joint center 2 has a billing company 1 and a paying company 3
And mediates the billing and payment made with the payer 4. Specifically, the joint center 2 uses the billing data and billing statement data transmitted from the billing company 1 to generate an electronic bill (a bill generated in the form of electronic data), electronic billing data, and a paper bill. (Paper bill) and a paper statement (paper statement) are prepared and sent to the paying company 3 and the payer 4, respectively. Further, the joint center 2 collects, for example, the money paid by the paying company 3 and the payer 4 into the account of the joint center 2 and distributes it to each billing company 1. Further, the joint center 2 performs various services as described below in order to reduce the burden on the billing company 1, the paying company 3, and the payer 4. The paying company 3 is a customer-side company that conducts business transactions with the billing company 1, and pays the price in accordance with an electronic bill supplied from the joint center 2 via a network as described later. The payer 4 is an individual consumer who conducts business transactions with the billing company 1, and pays the price according to the paper bill supplied from the joint center 2 as described later.

Next, service contents provided by the joint center 2 will be described. The services provided by the joint center 2 include an electronic billing agency service, a billing statement data providing service, a sealed billing agency service, a combined billing agency service, an automatic journal service, a lump sum payment service, a storage clearing data providing service, and billing related services. There are seven information storage services. The paying company 3 and the payer 4 can use desired services from the following services by performing predetermined procedures with the joint center 2 in advance.

(1) Electronic billing agency service The joint center 2 prepares a bill indicating a billing amount and the like in the form of electronic data based on the billing data and the billing statement data from each billing company 1 to form each billing company. Send to 3. Thereby, the billing cost of the billing company 1 can be reduced. Further, by creating the bill in the form of electronic data, the mailing cost of the billing company 1 and the bill storage cost of the paying company 3 can be reduced.

(2) Billing statement data providing service The joint center 2 creates a billing statement in the form of electronic data based on the billing data and the billing statement data from the billing company 1 in the same manner as described above. Send to payment company 3. As a result, the paying company 3 can efficiently perform accounting and payment operations by using this data.

(3) Enclosed billing agency service The joint center 2 creates a paper bill based on the billing data and billing statement data provided by the billing company 1 and sends it to each payer 4 by mail. . In addition, as a method of sending paper bills, a method of sending multiple paper bills for the same household in the same envelope, a method of sending paper bills in separate envelopes for each individual, There is a method in which paper invoices put in separate envelopes for the same household are put together in one envelope and sent. Thereby, the bill management of the payer 4 becomes easy. Also, to process a large number of paper invoices at once,
The bill mailing cost of the billing company 1 can be reduced.

(4) Combined billing agency service The joint center 2 sums up the amounts billed to the payer 4 based on the billing data and the billing statement data from the plurality of billing companies 1, and shows the total amount. And sends it to the payer 4. Note that the details of the amount are notified to the payer 4 by a separate sheet or another data. This simplifies the payment process of the payer 4.

(5) Collective payment service The joint center 2 adds the amounts charged to the paying company 3 based on the billing data and the billing statement data from the plurality of billing companies 1 and provides one electronic money indicating the total amount. A bill is created and transmitted to the paying company 3. The details of the amount are notified to the paying company 3 by a separate sheet or another data. In this way, the collective center 2 performs the storage agency, so that the payment is made to the account of the collective center 2 instead of the stored account of each paying company 3, so that the payment can be performed only once.

(6) Storage / Reconciliation Data Providing Service The joint center 2 acquires payment information from a financial institution (not shown) or the like, and determines whether the billing company 1 has been paid by the paying company 3 or the payer 4. Payment application information for use in the application process for managing the payment is created in accordance with a predetermined format and provided to the billing company 1. Thereby, the billing company 1
Can efficiently perform the receivable clearing process. The details of the payment information and the payment application information will be described later.

(7) Billing-related information storage service The joint center 2 stores the billing data and billing statement data supplied from the billing company 1 and the payment information indicating that the paying company 3 has made payment in an electronic book. Save in a format that complies with the law on preservation. As a result, the billing company 1 and the paying company 3 can reduce the storage cost of the bill payment-related form that has been created by paper.

Next, a detailed configuration of the billing company 1, the joint center 2, and the paying company 3 will be described. As shown in FIG. 2A, the billing company 1 includes a billing statement data creating unit 11, a transmitting unit 12, a receiving unit 13, and a clearing processing unit 1.
4. Billing statement data creation unit 11
Creates, for example, billing data and billing statement data as shown in FIG. 3A based on sales data supplied from each store online or the like, and outputs the billing data and billing statement data to the transmission unit 12. In addition,
FIG. 3A shows the billing data and the billing specification data together. The billing data and billing statement data are shown in FIG.
As shown in (a), a child application code, a billing destination (paying company 3 or payer 4), a billing amount, a statement, and the like are shown. The child application code is, for example, a bill number, a customer code, or a customer name, and differs for each bill.
The child application code indicates the type of request. The child application code is sent to the paying company 3 or the payer 4 via the joint center 2, and is returned to the billing company 1 via the joint center 2 when the paying company 3 or the payer 4 makes a payment. . The child application code is used in an application process for confirming whether or not payment has been made.

[0031] The transmission unit 12 includes a billing statement data creation unit 11
Is transmitted to the joint center 2 via the network. Receiver 13
Receives the payment application information supplied from the joint center 2 via the network and outputs the information to the application processing unit 14. Note that the payment application information is information indicating the paying company 3 and the payer 4 who made the payment for each request. For example, as shown in FIG. 3B, the child application code, the payment source (paying company 3 Or, the payer 4) and the payment amount are shown. The application processing unit 14
The payment confirmation information supplied from the receiving unit 13 is confirmed, and the payment is confirmed based on the payment data from the financial institution, and the billing data is cleared. In addition, when there is a request without payment even after a predetermined period, the application processing unit 14
The unpaid payment company 3 or the payer 4, the unpaid data indicating the billing amount and the statement are output to the billing statement data creating unit 11, and the billing statement data creating unit 11 outputs the billing data based on the unpaid data. And billing detail data to make a reclaim.

As shown in FIG. 2B, the joint center 2 includes a storage unit 21, a reception unit 22, a name identification unit 23, a bill creation unit 24, a sealing unit 25, and a clearing information creation unit. 26
, A payment processing unit 27, and a transmission unit 28. The storage unit 21 stores service providing information indicating which of the above services (1) to (7) is to be provided to each paying company 3 and each payer 4, billing data transmitted from each paying company 3, and billing details. It stores data and payment information indicating that the paying company 3 has made payment. The payment information is information indicating that a payment has been made from the paying company 3 or the payer 4 to the account of the joint center 2, and for example, FIG.
As shown in (c), it is composed of a correspondence table between the parent application code and the deposit amount. The parent application code is composed of a customer code indicating the paying company 3 or the payer 4, a code indicating a service used by the paying company 3 or the payer 4, and a serial number for distinguishing each payment. ing. Thereby, the paying company 3 that has made the payment can be determined. As described above, the storage unit 21 stores the billing data, the billing statement data, the deposit data, and the like in a format in accordance with the law concerning the storage of electronic books. The data saved in this way can be used when requested, or
The data is periodically provided from the transmission unit 28 to each billing company 1 and each paying company 3 via the network.

The receiving unit 22 receives, via a network, billing data from the billing company 1, billing statement data, payment information from a financial institution, and application code information from the paying company 3. The receiving unit 22 stores the received billing data and billing statement data in the storage unit 21 and the name identification unit 23, the deposit information in the storage unit 21 and the application information creating unit 26, and the application code information in the application information creating unit 26. Output each. The application code information is, for example, a table showing the correspondence between the parent application code and the child application code, as shown in FIG. Based on the application code information, it is possible to determine which bill the paying company 3 has paid for, and the amount indicated by the payment information can be divided for each billing company 1. The name identification unit 23 uses the service providing information stored in the storage unit 21 to appropriately convert the billing data and the billing statement data supplied from the receiving unit 22 into a data format, etc. Then, data for creating a paper bill and a paper statement is generated. Then, the name identification unit 23 outputs the generated electronic bill and the electronic statement data to the transmission unit 28 and the paper bill and the data for creating the paper statement to the bill creation unit 24, respectively. The data for creating electronic and paper invoices is
Each contains the child clearing code described above. The detailed operation of the name identification unit 23 when creating the electronic bill, the electronic statement data, and the data for creating the paper bill and the paper statement will be described later. The bill creation unit 24 includes a data processing device, a printer, and the like, creates a paper bill and a paper statement using the creation data supplied from the name identification unit 23, and supplies the paper bill and the paper statement to the enclosing unit 25.

The enclosing section 25 includes a dedicated device for enclosing a document in an envelope. The enclosing section 25 encloses a paper bill and a paper statement supplied from the billing section 24 in a predetermined envelope, and sends the paper invoices and courier service to each other. Ship to payer 4. The application information creation unit 26 causes the storage unit 21 to store the payment information and application code information supplied from the receiving unit 22. Then, the application information creation unit 26
The closing process is performed every predetermined period. That is, the payment information creation unit 26 determines the paying company 3 that has made the payment based on the payment information and the payment code information supplied within a predetermined period, and indicates the payer 4 that indicates the payer 4 from the payment information and the creation data. The payment information is created for each billing company 1 and output to the payment processing unit 27 and the transmission unit 28. The payment processing unit 27 calculates the payment amount to each billing company 1 in accordance with the payment application information supplied from the application information creation unit 26, and, for example, by the firm banking or the like, the payment company 3 and the payer 4 send the information to the joint center. The money deposited in the second account is transferred to the account of each billing company 1. The transmission unit 28 transmits the electronic bill and the electronic statement data supplied from the name identification unit 23 to each paying company 3 via the network. The transmission unit 28 transmits the payment application information supplied from the application information creation unit 26 to each billing company 1 via the network.

As shown in FIG. 2 (c), the paying company 3
It comprises a receiving unit 31, a journalizing unit 32, an accounting processing unit 33, a payment processing unit 34, and a transmitting unit 35. The receiving unit 31 receives an electronic bill and electronic statement data transmitted from the joint center 2 via a network, and outputs the data to the journalizing unit 32. The journal unit 32 has a journal table for associating data or accounts of payable departments to be paid with invoices or invoices, and based on the journal table, the electronic invoices and electronic documents supplied from the receiving unit 31. According to the detailed data, for example, the billing amount is journalized for each billing company 1 or each department of the paying company 3 to create journal data. Then, the journal entry unit 32 outputs the created journal entry data to the accounting processing unit 33 and the payment processing unit 34. The accounting unit 33 performs in-house accounting using the journal data supplied from the journal unit 32.

The payment processing unit 34 sorts the journal data supplied from the journal unit 32 and gives the parent clearing code. Then, the payment processing unit 34 performs a format conversion or the like so that it can be used for the transfer processing at the financial institution, thereby creating transfer data indicating the payment amount, the billing company 1 of the payee, and the like, and outputs the transfer data to the transmission unit 35. I do. Payment processing unit 3
4 creates the above-mentioned clearing code information for determining which bill was paid from the created transfer data, and outputs it to the transmitting unit 35. The transmission unit 35 is connected to a computer of a financial institution such as a bank online by, for example, firm banking (FB) and transmits the transfer data supplied from the payment processing unit 34, so that a predetermined account is stored in the account of the joint center 2. Deposit the amount. Then, the transmission unit 3
5 transmits the clearing code information supplied from the payment processing unit 34 to the joint center 2 via the network.

Next, the operation of the billing / payment system configured as described above will be described. In the following, the operation of the billing / payment system will be described as follows: (A) After a commercial transaction is performed between the billing company 1 and the paying company 3 and the payer 4, the bill and the statement are sent to the paying company 3 and the payer 4. Until it arrives (B)
From the receipt of the bill and the statement to the paying company 3 and the payer 4 until the payment is completed, and (C) from the end of the payment to the end of the clearing process at the billing company 1. explain. FIG. 4 is a flowchart showing a billing statement data transmission process performed by the billing company 1 from a commercial transaction to the receipt of a bill and a bill. First, the billing company 1 (or each store of the billing company 1) conducts a business transaction with the paying company 3 or the payer 4, and the receivable, the transaction contents, the paying company 3 or the payer 4 to which the receivable is billed. Then, sales data indicating the above is created (step S101). Then, the billing statement data creation unit 11 of the billing company 1 creates billing data and billing statement data as shown in FIG. 3A from, for example, sales data supplied online from each store (step S).
102). The transmitting unit 12 transmits the billing data and the billing statement data created by the billing statement data creating unit 11 to the joint center 2 via the network (step S10).
3), end the billing statement data transmission process.

In the billing statement sending process shown in FIG. 5, the joint center 2 bills each paying company 3 and each payer 4 for payment in accordance with the billing data and the billing statement data supplied from each billing company 1. I do. The receiving unit 22 of the joint center 2 receives the billing data and the billing statement data transmitted by the plurality of billing companies 1 via the network (Step S201). The name identification unit 23 converts the format of the billing data and the billing statement data received by the receiving unit 22 so that they can be handled in the subsequent processing (step S202). The name identification unit 23 determines whether the format-converted billing data and billing statement data are data for creating an electronic bill and electronic billing data, or data for creating a paper bill and a paper billing statement. It is discriminated by discriminating (step S203). Next, the name identification unit 23 identifies the billing data and the billing statement data whose billing destination is a company for each same paying company 3 (step S204). Specifically, as shown in FIG. 6A, first, the name identification unit 23 determines the billing destination (paying company 3) indicated by the billing data and the billing specification data (step S301). And
The name identification unit 23 acquires the service providing information stored in the storage unit 21, and according to the acquired service providing information,
Billing data and billing statement data for each paying company 3 are generated (step S302). For example, when the paying company 3 uses the (5) lump-sum payment service, the name identification unit 23 creates billing data and billing detail data indicating the total billing amount and the details thereof.

Thereafter, the name identification unit 23 converts the format of the billing data and billing statement data for each paying company 3 to generate an electronic bill and electronic billing data (step S205), and outputs it to the transmitting unit 28. Specifically, as shown in FIG. 6B, the name identification unit 23 refers to the service providing information acquired from the storage unit 21 in the name identification process in step S204, and determines the service to be provided to each paying company 3. (Step S303). Then, the name identification unit 23 generates an electronic bill and electronic statement data for each paying company 3 according to the service providing information (step S3).
04), and outputs the result to the transmission unit 28. The transmission unit 28 transmits the electronic bill and the electronic statement data supplied from the name identification unit 23 to each paying company 3 via the network (step S206), and ends the bill statement transmission process. On the other hand, the name identification unit 23 similarly identifies the billing data and the billing statement data for which the billing party is an individual for each payer 4 (step S207).

More specifically, as shown in FIG. 7A, the name identification unit 23 first determines the billing data (the payer 4) indicated by the billing data and the billing specification data (step S40).
1). Next, the name identification unit 23 extracts the service providing information stored in the storage unit 21 (Step S402).
Then, the name identification unit 23 determines a method of sending the paper bill and the paper specification for each payer 4 according to the extracted service providing information (step S403). For example, the name identification unit 23 may enclose the paper bill and the paper statement for the same household together (household enclosing), separately enclose each individual in an envelope (individually sealed), or an envelope for each individual. To be enclosed together for the same household (individually sealed in a large envelope). When it is determined that the household is enclosed (step S403; household enclosed), the name identification unit 23 generates billing data and billing detail data of the payer 4 for each household (step S404).
If it is determined that the personal seal is an individual seal or an individual seal in a large envelope (step S403; individual seal / individual seal in a large envelope),
The name identification unit 23 generates billing data and billing statement data for each payer 4 (step S405). Thereafter, the name identification unit 23 converts the format of the billing data and billing statement data generated for each household or each payer 4 to generate paper billing and paper billing creation data (step). S208).

More specifically, as shown in FIG. 7B, the name identification unit 23 refers to the service providing information acquired from the storage unit 21 and determines the service to be provided to each payer 4 (step S406). ). Then, the name identification unit 23 determines, for each payer 4, whether or not to add the billed amount and bill according to the service provision information (step S407). That is, the name identification unit 23 determines, for each payer 4, whether or not to provide the above (4) combined billing proxy service. If it is determined that the billing is a combined billing (step S407; YES), the name identification unit 23 calculates the total billed amount for each household or each payer 4 (step S408). And name identification unit 2
3 generates the billing data and the billing specification by converting the billing data and the billing statement data into format (step S409), and outputs the data to the billing preparation unit 24.

On the other hand, if it is determined that the sum is not a sum request (step S407; NO), the name identification unit 23 proceeds to step S407.
409 is performed to generate creation data and output it to the bill creation unit 24. The bill creation unit 24 includes the name identification unit 2
A paper bill and a paper specification are prepared by using the preparation data supplied from Step 3 (Step S209). Enclosure 25
Encloses the paper bill and the paper statement created by the bill creator 24 in a predetermined envelope so that the paper bill and paper statement can be sent to each payer 4 by mail or courier (step S210). Then, the enclosing section 25 sends out the paper bill and the paper statement enclosed in the predetermined envelope by mail or courier (step S211), and ends the bill statement sending process. By the above operation, a bill and a statement are sent to each paying company 3 and each payer 4.

(B) From the receipt of the bill and the statement until the payment is completed The paying company 3 supplied with the electronic bill and the electronic statement data
Performs the payment process of the paying company shown in FIG. First, the receiving unit 31 of the paying company 3 receives the electronic bill and the electronic statement data transmitted by the joint center 2 via the network (Step S501). And the journalizing unit 32
Using the electronic bill and the electronic statement data received by the receiving unit 31, for example, for each billing company 1 or paying company 3
The billing amount is journalized for each department, and journal data is created. Also, the accounting processing unit 33 performs in-house accounting processing using the journal data created by the journal entry unit 32 (step S50).
2). On the other hand, the payment processing unit 34 creates transfer data using the journal data created by the journal
Pays a predetermined amount by transmitting the transfer data to the financial institution by, for example, firm banking or the like (step S503). Specifically, as shown in FIG. 8B, the payment processing unit 34 first sorts the journal data created by the journal unit 32 (step S601). Then, the payment processing unit 34 assigns the parent clearing code for determining the paying company 3 that has made the payment to the sorted journal data (step S602).

Next, the payment processing unit 34 creates the transfer data by converting the format of the journal data to which the application code has been added so that the journal data can be used for the transfer processing at the financial institution (step S603). Further, the payment processing unit 34 creates the application code information for determining which bill was paid according to the sorted journal data (step S604). The transmitting unit 35 includes a payment processing unit 34
Is transmitted to the financial institution by, for example, firm banking (FB), and a predetermined amount is transferred to the account of the joint center 2 (step S605). Thereafter, the transmitting unit 35 transmits the clearing code information created by the payment processing unit 34 to the joint center 2 via the network (step S504), and ends the payment process of the paying company.

On the other hand, the payer 4 supplied with the paper bill and the paper statement performs the payer payment process shown in FIG. First, the payer 4 receives the sent paper bill and paper statement (step S701). Then, the payer 4 pays according to the request of the paper bill (step S70).
2). Specifically, the payer 4 is, for example, a home bank of the payer 4, an ATM (Automatic Teller's Machine),
Joint center 2 using mobile phone or fund transfer
Pay a predetermined amount to your account. At this time, the payer 4 inputs, as the parent clearing code, a name, a customer number given in advance from the joint center 2, and the like. Thus, the payment by the paying company 3 and the payer 4 is completed.

(C) From the end of payment to the end of the clearing process The joint center 2 performs the storage agency process shown in FIG. 10 to perform payment to each billing company 1 and transmission of payment clearing information. First, the reception unit 22 of the joint center 2 receives the payment information from the financial institution and the application code information from the paying company 3 (step S801), and outputs the information to the application information creation unit 26. The application information creation unit 26 stores the deposit information and the application code information supplied from the receiving unit 22 in the storage unit 21 and extracts the stored application information and the application code information at predetermined intervals. A closing process is performed (step S802). Specifically, the reconciliation information creation unit 26 uses the payment information and the reconciliation code information supplied within a predetermined period to indicate the paying company 3 and the payer 4 who have made the payment for each request. Information is created for each billing company 1.
The payment processing unit 27 calculates the payment amount to each billing company 1 according to the payment application information created by the application information creating unit 26 (step S803). And the payment processing unit 27
The calculated amount is transferred to the account of each billing company 1 by, for example, firm banking (step S804).

The transmission unit 28 is provided with an application information creation unit 26
Is transmitted to each billing company 1 via the network (step S805), and the storage agent processing is terminated. Thereby, the information that the payment by the paying company 3 and the payer 4 is completed is transmitted from the paying company 3 and the payer 4 to the billing company 1 through the joint center 2. The billing company 1 supplied with the payment application information from the joint center 2 performs the application processing shown in FIG. First, the receiving unit 13 of the billing company 1 receives the payment application information supplied from the joint center 2 via the network (step S901).
The application processing unit 14 confirms the payment based on the payment application information received by the receiving unit 13 (step S902). More specifically, the clearing processing unit 14 obtains information related to the amount of money transferred from the joint center 2 from the financial institution via the receiving unit 13 and obtains the contents of the payment clearing information from the joint center 2 Check that there is no mistake with the amount of money you have made.

Next, the reconciliation processing unit 14 uses the payment reconciliation information to determine whether there is any unpaid one after a predetermined period in the billing to the paying company 3 and the payer 4. It is determined (step S903). If it is determined that there is (Step S903; YES), the clearing processing unit 14 outputs the unpaid paying company 3 or the payer 4, the billed amount, and the unpaid data indicating the bill to the billing statement data creating unit 11. Then, the billing statement data creating unit 11 creates the billing data and the billing statement data based on the unpaid data, reclaims the price (step S904), and ends the clearing process. If it is determined that there is no data (step S903; NO), the clearing processing unit 1
No. 4 ends the clearing process. As described above, the process from the commerce to the clearing process in the billing company 1 is completed.

As described above, the joint center 2 collectively performs the preparation and transmission processing of the invoice and the specification which have been performed by each of the plurality of requesting companies 1 so that the preparation and transmission of the invoice and the specification are performed. Cost can be reduced. In addition, since the bills from the plurality of billing companies 1 are collected and sent to each paying company 3 and each payer 4, the burden on the paying company 3 and the payer 4 is small,
Payment can be made efficiently. In addition, the paying company 3 and the payer 4 can reduce the transfer fee of the financial institution by collectively transferring the payments to the plurality of billing companies 1 to the account of the joint center 2. Furthermore, if all the billing and payment between the billing company 1 and the paying company 3 are performed by electronic data, the billing business of the billing company 1 and the payment business of the paying company 3 are made paperless. Is performed efficiently. Further, since information relating to billing and payment is stored in the form of electronic data, the cost can be significantly reduced as compared with the case where the information is stored on paper. Furthermore, it can contribute to environmental protection.

It should be noted that the joint center 2 not only transmits the payment application information created from the payment information and the application code information within a predetermined period, but also receives each request each time the application information and the application code information are supplied. The payment application information may be transmitted to the company 1. Thus, each billing company 1 can obtain information on payment in real time, and can manage payment at any time. In addition, the price paid by the paying company 3 and the payer 4 does not pass through the account of the joint center 2,
You may make it transfer directly to the account of each billing company 1. In this case, the joint center 2 identifies the application code information supplied from the paying company 3 for each billing company 1 and transmits it to each billing company 1. Then, each billing company 1 performs a clearing process using the clearing code information from the joint center 2 and the deposit information obtained from the financial institution.

Further, the requesting company 1 sends a notice of “fund transfer” indicating that the receivable has been received as receipt data or a receipt via the joint center 2 to each paying company 3 and each payer 4.
, And the joint center 2 may store the receipt data in a format in accordance with the law concerning storage of electronic books. Specifically, after completing the above-mentioned clearing process, the clearing processing unit 14 of the billing company 1 creates receipt data that associates the paid amount with the paying company 3 and the payer 4 that made the payment. , To the joint center 2 via the transmission unit 12. The receiving unit 22 of the joint center 2 receives the receipt data,
1 and the name identification unit 23. The storage unit 21 stores the receipt data in a format in accordance with the law concerning the storage of electronic books, and the name identification unit 23 names the receipt data for each of the same paying company 3 and each payer 4, and sends the data to the transmission unit 28 or the billing unit. Output to the document creation unit 24. The transmitting unit 28 transmits the receipt data to each paying company 3 via the network, and
4 prepares a paper receipt based on the receipt data,
5 to each payer 4. As a result, the burden of storing the receipt of the paying company 3 and the payer 4 is reduced.

The joint center 2 may send a bill and a statement made in paper to the paying company 3. For example, the paying company 3 may be billed by a paper bill,
A predetermined procedure is performed with the joint center 2 in advance. As a result, information indicating the paying company 3 that receives the paper bill is stored in the storage unit 21 as a part of the service providing information. The merging unit 23 of the joint center 2 is a payment company 3 that receives a paper bill from the service providing information stored in the storage unit 21.
Is generated, and data for creating a paper bill and a paper statement to be sent to the paying company 3 is generated and output to the bill creation unit 24. The bill creation unit 24, as described above,
A paper bill and a paper statement are prepared by using the data for preparation supplied from 3, and the enclosing section 25 encloses the paper bill and the paper statement in a predetermined envelope, and sends the mail or courier service to the paying company 3. Shipped by In this way, the paying company 3 can also receive the paper bill and the paper statement. In addition, as a method of sending the paper bill to the paying company 3, a method of sending a plurality of paper specifications for the same company in the same envelope and sending the bill is sent in a separate envelope for each department. There is a method, and a method in which paper bills put in separate envelopes for each department are put together into one envelope for the same company and sent. To which of the paying companies 3 these methods are applied is determined by the name identification unit 23 in the name identification process of the joint center 2 in the same manner as described above.

The joint center 2 prepares an electronic bill and electronic statement data in a format unique to the paying company 3 using a journal table provided in advance by the paying company 3 and transmits it to the paying company 3. Is also good. When the payer 4 can connect to the joint center 2 via a network by a computer or the like, the joint center 2 creates an electronic bill and electronic statement data in the same manner as described above, and sends the electronic bill to the payer 4 via the network. May be transmitted. Thereby, the payer 4 can manage the bill and the like by the electronic data. In addition, billing data, billing statement data, electronic invoices,
Transmission and reception of electronic statement data and the like may be performed via a recording medium such as a magnetic tape or a RAM disk without passing through a network. Further, the billing / paying system does not need to use a dedicated device, and can be realized by an ordinary computer. For example, a program and data for causing a computer to execute each of the above-described processes are stored in a recording medium (floppy (registered trademark) disk, CD-R
OM etc.) and distribute it, install this and
The present invention can be realized by executing on S. Distribution of programs and data is on CD-
Not limited to the ROM or the like, the processing may be performed via a communication line or the like.

[0054]

As is evident from the above description, the present invention makes it possible to make and pay money efficiently.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a billing and payment system according to an embodiment of the present invention.

FIG. 2A is a configuration diagram of a billing company constituting the billing / payment system shown in FIG. 1; FIG. 2B is a configuration diagram of a joint center constituting the billing / payment system shown in FIG. FIG. 2C is a configuration diagram of a paying company constituting the billing / payment system shown in FIG.

FIG. 3A is a diagram showing billing data and billing detail data created by a billing company. (B) is a figure which shows the payment application information created by a joint center. (C) is a figure which shows the payment information supplied to a joint center from a financial institution. (D) is a diagram showing application code information created by the paying company.

FIG. 4 is a flowchart showing a billing statement data transmission process performed by a billing company.

FIG. 5 is a flowchart showing a billing statement sending process performed by the joint center.

FIG. 6A is a flowchart illustrating a merging process performed in the billing statement transmitting process illustrated in FIG. 5;
6B is a flowchart showing a format conversion process performed in the billing statement sending process shown in FIG.

FIG. 7A is a flowchart illustrating a merging process performed in the billing statement transmitting process illustrated in FIG. 5;
6B is a flowchart showing a format conversion process performed in the billing statement sending process shown in FIG.

FIG. 8A is a flowchart showing a payment process of a paying company. (B) is a flowchart showing a payment process performed in the payment process shown in (a).

FIG. 9 is a flowchart showing a payment process of a payer.

FIG. 10 is a flowchart showing a storage agency process performed by a joint center.

FIG. 11 is a flowchart showing a clearing process performed by a billing company.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 billing company 2 joint center 3 paying company 4 payer 11 billing statement data creating unit 12 transmitting unit 13 receiving unit 14 clearing processing unit 21 storage unit 22 receiving unit 23 name matching unit 24 billing unit 25 enclosing unit 26 clearing information Creation unit 27 Payment processing unit 28 Transmission unit 31 Receiving unit 32 Journalizing unit 33 Accounting processing unit 34 Payment processing unit 35 Transmission unit

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Masamichi Shimazawa 3-3-3 Toyosu, Koto-ku, Tokyo Inside NTT Data Corporation (72) Inventor Sado Horikawa Toyosu 3-chome, Koto-ku, Tokyo No. 3 in NTT Data Corporation (72) Inventor Kaoru Matsuda 3-3-3 Toyosu, Koto-ku, Tokyo F-term in NTT Data Corporation (reference) 5B049 AA01 AA02 CC36 CC39 DD05 EE00 EE02 EE21 FF02 FF09 GG04 GG07 5B055 BB03 BB16 CB09 EE27 FA01 KK00

Claims (15)

[Claims] 1. A plurality of billing systems that are used by a billing source that bills a plurality of payment sources and that bills the plurality of payment sources. A billing intermediary means for performing the billing by the system for each of the same payment sources collectively for each of the payment sources, and a plurality of the payment sources mediate the payments made to the plurality of billing sources according to the claims, and the plurality of payment sources A billing / payment system comprising: a mediation system including payment mediation means for performing payments to be made for each same billing source collectively for each billing source. 2. A billing process for billing by a plurality of billing systems for billing a plurality of payment sources;
A billing intermediary step of collectively claiming the plurality of billing systems for each of the same payment sources, and performing a billing intermediary step for each of the payment sources; and A payment intermediation step of collecting payments made by a plurality of payment sources for each of the same billing sources, and performing a payment mediation process for each of the billing sources. 3. A plurality of billing systems used by a plurality of billing systems receive billing data indicating billing amounts transmitted by the plurality of billing systems in order to mediate billing made to the plurality of payers, and the same billing source is received. Sorting means for sorting the billing data for each of the billing data; billing means for creating a bill to be sent to each of the payment sources from the billing data sorted by the sorting means; and And a bill sending means for sending the bill to each of the following. 4. Payment information for summarizing information indicating that a plurality of payment sources have made payments in accordance with the bill, sorting the same for each same billing source, and creating payment information indicating the payment source that made the payment. Creating means; and payment information transmitting means for transmitting the payment information to each of the billing systems, thereby causing the billing system to perform a clearing process of discriminating between a paid bill and an unpaid bill. The billing / payment management device according to claim 3, further comprising: 5. The billing / payment management device according to claim 3, wherein the bill creating means creates the bill in the form of electronic data. 6. The system according to claim 3, further comprising distribution means for collecting the amounts paid by a plurality of payment sources to a predetermined account according to the bill and distributing the sums to the accounts of the plurality of payment sources. The billing / payment management device according to claim 5. 7. A plurality of billing systems used by a plurality of billing systems receive billing data indicating billing amounts transmitted by the plurality of billing systems in order to mediate billing made to the plurality of payers, and receive the same billing data. A sorting step of sorting the billing data every time; a bill creating step of creating a bill to be sent to each of the payment sources from the billing data sorted in the sorting step; and And a bill sending step for sending to each of the originals. 8. Payment information for summarizing information indicating that a plurality of said payment sources have made payments in accordance with said bill and classifying the same for each same billing source to generate payment information indicating said payment source. And a payment information transmitting step of transmitting the payment information to each of the billing systems to cause the billing system to perform a clearing process for determining whether the bill has been paid or not. The billing / payment management method according to claim 7, comprising: 9. The billing / payment management method according to claim 7, wherein the bill creation step includes a step of creating the bill in the form of electronic data. 10. The method according to claim 7, further comprising a distribution step in which a plurality of payment sources collectively transfer the amounts transferred to a predetermined account in accordance with the bill and distribute the respective amounts to the plurality of billing source accounts. 9. The claim according to any one of 9
Payment management method. 11. A plurality of billing systems used by a plurality of billing systems for billing a plurality of payment sources, a plurality of billing systems for mediating bills made by the plurality of billing systems, and a plurality of the billing systems. A billing system, comprising: a billing intermediary system that performs billing by the system for each of the same payment sources collectively for each of the payment sources. 12. A plurality of payment systems used by a plurality of billing sources to make payments in accordance with the bills made by the plurality of billing sources, intermediating payments made by the plurality of payment systems, And a payment mediation system that collects payments made by the payment system for each of the same billing sources for each of the billing sources. 13. A computer for receiving billing data indicating the amount of bills transmitted by a plurality of billing systems to mediate billing made by a plurality of billing systems used by the billing sources to a plurality of payment sources, and Sorting means for sorting the billing data for each payment source, billing means for creating a bill to be sent to each of the payment sources from the billing data sorted by the sorting means, A computer-readable recording medium storing a program for functioning as a billing management device, comprising: a bill sending unit that sends a bill to each of the payment sources. 14. A computer for mediating payments made by a plurality of payers in accordance with bills made by a plurality of billing systems used by the billing sources,
Payment information creating means for collecting information indicating that a plurality of payment sources have made payments, sorting the same for each same billing source, and creating payment information indicating the payment source that made the payment, Payment information transmitting means for causing the billing system to perform a clearing process of discriminating between a paid bill and an unpaid bill by transmitting the payment information to the payment management apparatus. A computer-readable recording medium recording a program for causing the computer to function. 15. A computer, comprising: receiving means for receiving a bill, which is provided in the form of electronic data, supplied from a billing source; and stores a predetermined amount in a predetermined account in accordance with the bill received by the receiving means. Transfer means for transferring, and transmission means for creating transfer completion data indicating that the transfer means has completed the transfer and transmitting the data to a billing source, and recorded a program for functioning as a payment system. recoding media.