JP3560169B2

JP3560169B2 - Fee collection and payment methods and equipment

Info

Publication number: JP3560169B2
Application number: JP19743993A
Authority: JP
Inventors: 敦金井; 晴久市川
Original assignee: Nippon Telegraph and Telephone Corp; NTT Inc USA
Current assignee: NTT Inc; NTT Inc USA
Priority date: 1993-08-09
Filing date: 1993-08-09
Publication date: 2004-09-02
Anticipated expiration: 2019-09-02
Also published as: JPH0749980A

Description

【０００１】
【産業上の利用分野】
本発明は、情報の提供者と利用者との間における情報提供時の料金の徴収と支払を課金センタを介して行う料金の徴収と支払方法および装置に関する。
【０００２】
【従来の技術】
従来、情報提供や売買時の料金の授受に関しては、お互いに信用がない場合は通常提供者と利用者が直接会談することにより信用を確立するか、直接現金の授受により実現され、お互いに会わない場合は提供者かあるいは利用者どちらかにリスクがあった。また、クレジットカードの場合はクレジット会社の保証によりお互いに信用の確立していない間でも低リスクで直接会談せずに通信などを通じて支払が可能であった。
【０００３】
【発明が解決しようとする課題】
従来の方式では、支払方式により、お互いに信用が確立していない状態では、後払いの場合は提供者側に、先払いの場合は利用者側のリスクが大きかった。また、クレジットカードを使用する場合は、このリスクは小さくなるが、クレジットカードを持たなければならず、自宅などにいながらにして支払うことはできなかった。
【０００４】
本発明は、上記に鑑みてなされたもので、その目的とするところは、ネットワークを介して課金センタにアクセスすることにより信用が確立していない情報提供者と利用者との間でも課金センタを介して低リスクで簡単に料金の徴収および支払を行うことができる料金の徴収と支払方法を提供することにある。
【０００５】
【課題を解決するための手段】
上記目的を達成するため、本発明の料金の徴収と支払方法は、支払者用端末、被支払者用端末および課金センタをネットワークを介して接続し、前記課金センタに常に支払者と被支払者との料金提示、料金確認と支払い決定通知あるいは支払い非決定通知に関する情報を含むすべての契約行為の通信履歴を格納する履歴データベースと課金／支払データベースおよび支払者データベースを設け、課金センタが、支払者データベースに、支払者用端末から送信された支払者名と支払者自らの端末を一意に識別する端末ＩＤを登録するステップ、課金センタが、被支払者用端末から送信された、被支払者が予め知った支払者名、情報内容を識別する情報ＩＤ、被支払者を特定するユーザ名を被支払者用端末の端末ＩＤとともに受信するステップ、課金センタが、支払者データベース中で被支払者から受信した支払者を検索し、対応する支払者用端末の端末ＩＤを求めて、支払者用端末に接続するステップ、課金センタが、支払者が入力した料金情報を前記支払者用端末から受信するステップ、課金センタが、該料金情報、支払者用端末の端末ＩＤ、被支払者を特定するための被支払者用端末の端末ＩＤを課金／支払データベースに仮登録するステップ、課金センタが、該料金情報を前記被支払者用端末に通知するステップ、課金センタが、該料金情報に同意する旨の情報を前記被支払者用端末から受信すると、料金確認情報を支払者用端末に送信するステップ、課金センタは、支払者が被支払者からの提供情報に支払いを決定したことを示す支払通知を支払者用端末から受信した場合には、支払通知を前記被支払者用端末に送信するとともに、課金／支払データベースの仮登録を本登録として、前記料金を請求及び支払料金として確定登録し、前記支払通知を受信しなかった場合には、非決定通知を前記被支払者用端末に送信するとともに、課金／支払データベースの仮登録を抹消するステップ、とからなることを要旨とする。
【０００６】
また、本発明の料金の徴収と支払装置は、被支払者が予め、例えば広告等で知った支払者名、情報内容を識別する情報ＩＤ、自分を特定するユーザ名を自端末の端末ＩＤとともに課金センタに送信する被支払者用端末と、履歴データベース、課金／支払データベースおよび支払者データベースを有し、常に支払者と被支払者との料金提示、料金確認と支払い決定通知あるいは支払い非決定通知に関する情報を含むすべての契約行為の通信履歴を前記履歴データベースに格納し、支払者名と端末ＩＤの対応を保持する支払者データベース中で被支払者用端末から受信した支払者を検索し、対応する支払者用端末の端末ＩＤを求めて、前記支払者用端末に接続し、前記支払者用端末から被支払者用端末へ前記料金情報を送信する時に該料金情報、支払者を特定するための支払者用端末の端末ＩＤ、被支払者を特定するための被支払者用端末の端末ＩＤを課金／支払データベースに仮登録し、支払者が支払を決定した旨の支払通知を支払者端末から受信した場合には課金／支払データベースの仮登録を本登録として、前記料金を請求及び支払料金として確定登録し、支払通知を受信しなかった場合には非決定通知を前記被支払者端末に送信し、課金／支払データベースの仮登録を抹消する課金センタと、被支払者用端末に予め決定した料金情報を前記課金センタを介して送信し、前記被支払者用端末から該料金情報への同意を前記課金センタを介して受信し、かつ支払者は被支払者からの提供情報を確認して支払を決定した時、支払通知を前記被支払者用端末に送信する支払者用端末と、前記支払者用端末、被支払者用端末および課金センタを接続するネットワークとを有することを要旨とする。
また、本発明の料金の徴収と支払方法は、支払者用端末、被支払者用端末および課金センタをネットワークを介して接続し、前記課金センタに常に支払者と被支払者との料金提示、料金確認と支払い決定通知あるいは支払い非決定通知に関する情報を含むすべての契約行為の通信履歴を格納する履歴データベースと課金／支払データベースおよび支払者データベースを設け、課金センタが、支払者データベースに、支払者用端末から送信された支払者自らを一意に識別するＩＤを登録するステップ、課金センタが、被支払者用端末から送信された、被支払者を一意に識別するＩＤと物品または情報の内容を識別する情報ＩＤを受信するステップ、課金センタが、支払者用端末からの前記物品または情報に対する料金情報を受信し、被支払者用端末に通知するステップ、課金センタが、被支払者から支払者に対して提供された前記物品または情報に対して支払者が支払を決定したことを示す支払決定通知を前記支払者用端末から受信するステップ、課金センタが、課金／支払データベースに前記料金を請求及び支払料金として確定登録するステップ、とからなることを要旨とする。
さらに、本発明の料金の徴収と支払装置は、被支払者が、物品または情報の内容を識別する情報ＩＤを自らを一意に特定するＩＤとともに課金センタに送信する被支払者用端末と、履歴データベース、課金／支払データベースおよび支払者データベースを有し、常に支払者と被支払者との料金提示、料金確認と支払い決定通知あるいは支払い非決定通知に関する情報を含むすべての契約行為の通信履歴を前記履歴データベースに格納し、支払者用端末からの前記物品または情報に対する料金情報を受信しこれを被支払者端末に通知し、被支払者は前記料金情報に同意して被支払者から支払者に対して提供された前記物品または情報に対して支払者が支払を決定したとき、支払決定通知を前記支払者端末から受信し、課金／支払データベースに前記料金を請求及び支払料金として確定登録する課金センタと、被支払者用端末に予め決定した料金情報を送信し、前記被支払者用端末から同意を受信し、かつ被支払者からの物品または情報の提供を確認して支払を決定した時に、支払通知を前記被支払者用端末に送信する支払者用端末と、前記支払者用端末、被支払者用端末および課金センタを接続するネットワークと、を有することを要旨とする。

【０００７】
【作用】
本発明の料金の徴収と支払方法および装置では、支払者と被支払者とがそれぞれの支払者用端末および被支払者用端末からネットワークを介して課金センタに接続され、該課金センタを介して契約し、その契約状況を課金センタで記録すると共に、料金の支払手続きと徴収処理を課金センタを介して行うことにより、被支払者と支払者との間で信用関係が確立していなくても、料金支払と徴収のリスクを課金センタで負担し、低リスクを実現している。
【０００８】
【実施例】
以下、図面を用いて本発明の実施例を説明する。
【０００９】
図１は、本発明の一実施例に係わる料金の徴収と支払方法を実施するシステムの構成を示す図である。ここでは物品または情報の一例である小説等の各種文書の原稿を募集者が公募して、その対価を採用された応募者に支払う場合を例にして、以下に詳細に説明する。同図において、情報の利用者としての募集者は、その利用の料金を支払う支払者であり、支払者用端末１を有し、また情報の提供者としての応募者は情報の利用者である前記支払者から料金を受け取る被支払者であり、被支払者用端末３を有する。そして、該支払者用端末１と被支払者用端末３とは通信回線からなるネットワーク５を介して接続されるとともに、該ネットワーク５には課金センタ７が接続されており、前記両端末１，３はネットワーク５を介して課金センタ７にも接続し得るようになっている。
【００１０】
課金センタ７には、履歴データベース（ＤＢ）９、課金／支払データベース（ＤＢ）１１および支払者データベース（ＤＢ）１３が設けられ、図示のように履歴データベース９には該課金センタ７へのアクセス、呼び出し、料金提示、原稿料確認、支払通知に関する図示のような各種情報が蓄積され、また課金／支払データベース１１には支払者ＩＤ、料金、被支払者ＩＤ、料金等が蓄積され、更に支払者データベース１３には支払者名、端末ＩＤ等が蓄積されるようになっている。
【００１１】
次に、図２および図３に示す流れ図を参照して、図１に示す実施例の料金の徴収と支払方法の手順について説明する。この手順では、情報の利用者、すなわち支払者が募集者であり、情報の提供者、すなわち被支払者が応募者であるとして、募集者が情報料である原稿料を設定する場合の最も基本的な手順について説明するものであり、図２はこの場合の募集者、課金センタおよび応募者の通信手順について示し、図３は課金センタ７の動作について示している。なお、情報の提供者である応募者が情報料を設定する場合には次に示す手順で募集者と応募者とを逆にすればよい。
【００１２】
募集者である支払者は予め自分の支払者名と自端末である支払者用端末１の端末ＩＤを課金センタ７の支払者データベース１３に登録する。また、被支払者である応募者は募集者が出した広告等により募集内容および募集者を認識し、被支払者用端末３から図３のステップ３１０に示すようにネットワーク５を介して課金センタ７にアクセスし、募集者ＩＤ、自分を特定する自分の名前（匿名でもよい）やユーザ名等を被支払者用端末３から入力すると、被支払者用端末３は該募集者ＩＤ、名前に加えて原稿料を支払われるべきＩＤ、すなわち通常は被支払者用端末３に設定された端末ＩＤ（またはＩＣカード等に記録されているユーザＩＤ）を被支払者用端末３から図２に示すようにネットワーク５を介して課金センタ７に送信する。
【００１３】
課金センタ７は、募集者ＩＤに基づいて支払者データベース１３から募集者である支払者の支払者用端末１を検索し、ネットワーク５を介して支払者用端末１に接続し、募集者を呼び出す（図３のステップ３２０）とともに、この場合被支払者用端末３の端末ＩＤを支払者用端末１に送信する。
【００１４】
募集者は、課金センタ７から呼び出されると、設定した原稿料等の情報を支払者用端末１から入力する。この原稿料等の情報は支払者用端末１からネットワーク５を介して課金センタ７に送信され、課金センタ７の課金／支払データベース１１に記録される。なお、この場合、課金センタ７では、この原稿料情報に加えて支払者ＩＤとして支払者の端末ＩＤ、被支払者ＩＤとして被支払者の端末ＩＤ等の情報も課金／支払データベース１１に仮登録する。また、この場合、支払者用端末１からの原稿料情報は課金センタ７から被支払者用端末３の応募者にも送信される（ステップ３３０，３４０，３５０）。
【００１５】
応募者は、募集者からの原稿料情報を受け取り、この原稿料に同意できない場合には、処理を終了する（ステップ３６５）が、同意できる場合には、確認の情報を被支払者用端末３からネットワーク５、課金センタ７を介して支払者用端末１の募集者に送信する（ステップ３６０）。
【００１６】
次に、応募者は、募集者とＦＡＸや電話等で情報を交換し、原稿をＦＡＸ等で募集者に直接または課金センタ７を介して送信する。募集者は原稿を査読して原稿を確認し、支払を決定すると、募集者はその結果の支払通知を支払者用端末１からネットワーク５を介して課金センタ７に送信し、更に課金センタ７から応募者に送信する（ステップ３７０，３８０）。また、支払を決定しなかった場合には、非決定通知を通信する。
【００１７】
募集者が支払を決定した場合において、支払通知が課金センタ７に送信されると、課金センタ７は課金／支払データベース１１に料金情報を本登録して、募集者に請求処理を行うとともに、また応募者に対して支払手続き（課金／支払データベース１１に登録）を行う（ステップ３９０）。なお、支払わない場合には、課金／支払データベース１１に仮登録された情報を抹消する。
【００１８】
上述した一連の処理においてすべての契約行為が課金センタ７の履歴データベース９に記録されるとともに、後日課金／支払データベース１１の内容に基づいて課金センタ７の運営者により応募者に支払が行われ、募集者に対して徴収が行われる。
【００１９】
なお、提供される情報の内容が支払に値いするかどうかの判断は別途電話、郵便、本支払方法の途中等で支払者と被支払者との間で行われる。
【００２０】
また、原稿が不採用であったにも関わらず、送った原稿を募集者が悪用したことが判明した場合には、提供者は課金センタ７を介して履歴データベース９の交渉履歴を求め、この履歴を証拠として不服を申し立てることができる。
【００２１】
【発明の効果】
以上説明したように、本発明によれば、支払者と被支払者とがそれぞれの支払者用端末および被支払者用端末からネットワークを介して課金センタに接続され、該課金センタを介して契約し、その契約状況を課金センタに記録し、料金の支払手続きと徴収処理を課金センタを介して即時に行うことにより料金支払と徴収のリスクを課金センタで負担し、低リスクを実現しているので、被支払者と支払者との間で信用関係が確立していなくても、課金センタを介して気軽に情報の授受や物品の販売等の料金徴収や支払が可能となり、自宅等に居ながらにして現金授受と同様な取り引きが可能となる。
【図面の簡単な説明】
【図１】本発明の一実施例に係わる料金の徴収と支払方法を実施するシステムの構成を示す図である。
【図２】図１の実施例における募集者、課金センタおよび応募者の通信手順を示す流れ図である。
【図３】図１の実施例における課金センタの動作を示すフローチャートである。
【符号の説明】
１支払者用端末
３被支払者用端末
５ネットワーク
７課金センタ
９履歴データベース
１１課金／支払データベース
１３支払者データベース[0001]
[Industrial applications]
The present invention relates to a method and an apparatus for collecting and paying a fee for providing and paying a fee when providing information between an information provider and a user via a charging center.
[0002]
[Prior art]
Conventionally, when providing information and receiving and selling fees at the time of purchase and sale, if there is no mutual trust, the trust is usually established by directly talking between the provider and the user, or realized by directly sending and receiving cash and meeting each other. If not, either the provider or the user was at risk. Also, in the case of a credit card, it was possible to pay through communication or the like without low-risk direct talks even if credit was not established with each other, under the guarantee of the credit company.
[0003]
[Problems to be solved by the invention]
In the conventional method, the risk is high on the provider side in the case of postpaid payment and on the user side in the case of prepaid payment in a state where mutual trust has not been established due to the payment method. In the case of using a credit card, this risk is reduced, but the user must have a credit card and cannot pay while staying at home.
[0004]
The present invention has been made in view of the above, and an object of the present invention is to allow a charging center to be established between an information provider and a user whose trust has not been established by accessing the charging center via a network. It is an object of the present invention to provide a fee collection and payment method that can easily collect and pay a fee with a low risk through the use of the service.
[0005]
[Means for Solving the Problems]
In order to achieve the above object, a method for collecting and paying a fee according to the present invention comprises connecting a payer terminal, a payee terminal, and a charging center via a network, and always connecting the payer and the payee to the charging center. Rates presented, a history database and billing / payment database and payer database that stores the communication history of all contract actions, including information about costs confirmation and payment determination notice or payment non-deterministic notification is provided with, billing center, payer database Registering the payer name transmitted from the payer's terminal and the terminal ID for uniquely identifying the payer's own terminal. Receiving the payer name, the information ID for identifying the information content, and the user name for specifying the payee together with the terminal ID of the payee terminal; A step in which the money center searches the payer database for the payer received from the payee, obtains a terminal ID of the corresponding payer terminal, and connects to the payer terminal; Receiving the input charge information from the payer terminal, the charging center charges / receives the charge information, the terminal ID of the payer terminal, and the terminal ID of the payee terminal for specifying the payee; Temporarily registering in the payment database, the charging center notifying the charge information to the payee terminal, and receiving, from the payee terminal, information indicating that the charge center agrees with the charge information. Transmitting the fee confirmation information to the payer terminal; the billing center receives the payment notice from the payer terminal indicating that the payer has decided to pay the information provided by the payee. , The payment notification and transmits to the payee's terminal, the registration of temporary registration of the billing / payment database, to confirm registering the fee as billing and payment fee, if it does not receive the payment notification , transmits the non-determination notification to the payee's terminal, the step of cancel the provisional registration of the billing / payment database that consists city and gist.
[0006]
In addition, the fee collection and payment device of the present invention includes a payer name, an information ID for identifying information content, and a user name for identifying the user, together with the terminal ID of the terminal itself, for example, which the payee has known in an advertisement or the like. It has a payee terminal to be transmitted to the billing center, a history database, a billing / payment database, and a payer database. It always relates to the presentation of the fee between the payer and the payee , the fee confirmation and the payment decision notice or the payment non-decision notice. storing communication history of all contracts act including information in the history database, searches the payer received from the payee's terminal in payer database holding corresponding payer name and terminal ID, the corresponding seeking terminal ID of the payer terminal, connected to an end late for the payer,該料gold information when transmitting the charge information from the payer terminal to the payee's terminal, Terminal ID of the payer terminal for specifying the払者, temporarily registers the terminal ID of the payee's terminal to identify the payee's the billing / payment database, payer indicative of the determined payment as registration temporary registration of the billing / payment database when receiving payment notify from the payment terminal to determine registering the fee as billing and payment rates, the non-decision notification if it does not receive a payment notice transmitted to the payee's terminal, the charging center to cancel the provisional registration of the billing / payment database, and transmitted via the accounting center the price information predetermined to the payee's terminal, from the payee's terminal receiving the acceptance of the該料gold information through the accounting center, and the payer transmits when determining the payment to confirm the information provided from the payer, the payment advice to the payee's terminal payment Terminal, Serial payer terminal, and summarized in that and a network connecting the terminals and charging center for the payer.
The method of collecting and paying a fee according to the present invention includes connecting a payer terminal, a payee terminal, and a charging center via a network, and always presenting a fee between the payer and the payee to the charging center . the fee confirmation and payment determination notice or charge the history database that stores the communication history of all contract actions, including information about the payment non-deterministic notification / payment database and payer database provided, billing center, the payer database, for payer Registering an ID uniquely identifying the payer himself transmitted from the terminal, the billing center identifies the ID uniquely identifying the payee and the contents of the goods or information transmitted from the payer terminal Receiving the information ID to be paid, the charging center receives the charge information for the article or the information from the payer terminal, and The billing center receives from the payer terminal a payment decision notice indicating that the payer has decided to pay for the goods or information provided by the payee to the payer. the step of charging center, steps of determining registering the fee in the billing / payment database as billing and payment rates, to become a city and gist.
In addition, the fee collection and payment device of the present invention includes: a payee terminal that transmits to a charging center an information ID for identifying an article or the content of the information together with an ID for uniquely identifying itself; database, billing / payment has the database and the payer database, always payer and rates presented with the payer, communication history the history of all contract actions, including information about costs confirmation and payment determination notice or payment non-deterministic notification Stored in the database, receive the fee information for the goods or information from the payer terminal and notify this to the payee terminal, the payee agrees to the fee information and payee to payer When the payer decides to pay for the article or the information provided by the payer terminal, a payment decision notice is received from the payer terminal and stored in the billing / payment database. A charging center to determine registering the serial rates as billing and payment rates, and transmits the fee information previously determined payee's terminal, the received consent from the payee's terminal, and or articles from the payer sometimes to determine payment to confirm the provision of information, and payment's terminal to send payment notification to the payee's terminal, the payer terminal, a network connecting the terminals and charging center for the payer , Is the gist.

[0007]
[Action]
In the method and apparatus for collecting and paying a fee according to the present invention, the payer and the payee are connected to the charging center from the respective payer terminal and payer terminal via the network, and are connected via the charging center. By making a contract and recording the contract status at the charging center, and performing the payment procedure and collection process through the charging center, even if a credit relationship has not been established between the payee and the payer. The risk of payment and collection is borne by the billing center, and low risk is realized.
[0008]
【Example】
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0009]
FIG. 1 is a diagram showing a configuration of a system for implementing a method of collecting and paying a fee according to an embodiment of the present invention. Here, an example in which a recruiter publicly recruits manuscripts of various documents such as novels, which are examples of goods or information, and pays the remuneration to the adopted applicant will be described in detail below as an example. In the figure, a recruiter as a user of information is a payer who pays for the use thereof, has a payer terminal 1, and an applicant as a provider of information is a user of information. A payee who receives a fee from the payer, and includes a payee terminal 3. The payer terminal 1 and the payee terminal 3 are connected via a network 5 composed of a communication line, and a charging center 7 is connected to the network 5. 3 can be connected to a charging center 7 via a network 5.
[0010]
The charging center 7 is provided with a history database (DB) 9, a charging / paying database (DB) 11, and a payer database (DB) 13. As shown, the history database 9 has access to the charging center 7, Various kinds of information as shown in the figure relating to calling, fee presentation, manuscript fee confirmation, and payment notification are stored. The billing / payment database 11 stores a payer ID, a fee, a payee ID, a fee, and the like. The database 13 stores payer names, terminal IDs, and the like.
[0011]
Next, with reference to the flowcharts shown in FIGS. 2 and 3, a procedure of a method of collecting and paying a fee in the embodiment shown in FIG. 1 will be described. In this procedure, it is assumed that the user of the information, that is, the payer is the recruiter, and that the provider of the information, that is, the payee is the applicant, the recruiter sets the manuscript fee as the information fee. 2 shows a communication procedure of the recruiter, the charging center and the applicant in this case, and FIG. 3 shows an operation of the charging center 7. In the case where the applicant who is the information provider sets the information fee, the applicant and the applicant may be reversed in the following procedure.
[0012]
The payer who is the recruiter registers his / her payer name and the terminal ID of the payer terminal 1 which is his / her terminal in the payer database 13 of the charging center 7 in advance. In addition, the applicant who is the payee recognizes the content of the offer and the offerer by the advertisement or the like issued by the offerer, and receives the charge center from the payee terminal 3 via the network 5 as shown in step 310 of FIG. 7 and inputs the recruiter ID, his / her own name (which may be anonymous), user name, etc. for identifying himself / herself from the payee terminal 3, the payee terminal 3 enters the recruiter ID and name. In addition, the ID for which the manuscript fee is to be paid, that is, the terminal ID normally set in the payee terminal 3 (or the user ID recorded on an IC card or the like) is shown in FIG. To the charging center 7 via the network 5 as described above.
[0013]
The charging center 7 searches the payer terminal 1 of the payer who is the recruiter from the payer database 13 based on the recruiter ID, connects to the payer terminal 1 via the network 5, and calls the recruiter. Along with (Step 320 in FIG. 3), the terminal ID of the payee terminal 3 is transmitted to the payer terminal 1 in this case.
[0014]
When called for from the charging center 7, the recruiter inputs information such as the set manuscript fee from the payer terminal 1. The information such as the manuscript fee is transmitted from the payer terminal 1 to the charging center 7 via the network 5 and is recorded in the charging / payment database 11 of the charging center 7. In this case, the charging center 7 also temporarily registers information such as the payer's terminal ID as the payer ID and the payee's terminal ID as the payee ID in the charge / payment database 11 in addition to the document charge information. I do. In this case, the original fee information from the payer terminal 1 is also transmitted from the charging center 7 to the applicant of the payee terminal 3 (steps 330, 340, 350).
[0015]
The applicant receives the manuscript fee information from the recruiter and, if he or she does not agree with the manuscript fee, terminates the processing (step 365). To the recruiter of the payer terminal 1 via the network 5 and the charging center 7 (step 360).
[0016]
Next, the applicant exchanges information with the recruiter by facsimile, telephone, or the like, and transmits the manuscript to the recruiter directly by facsimile or via the charging center 7. The recruiter reviews the manuscript, confirms the manuscript, and determines the payment. When the recruiter decides to pay, the recruiter sends a payment notice of the result from the payer terminal 1 to the charging center 7 via the network 5, It is transmitted to the applicant (steps 370, 380). When the payment is not determined, a non-determination notice is transmitted.
[0017]
When the recruiter decides to make a payment and a payment notice is transmitted to the charging center 7, the charging center 7 permanently registers the fee information in the charging / payment database 11 and performs a billing process to the recruiter. A payment procedure (registered in the charging / payment database 11) is performed for the applicant (step 390). If no payment is made, the information temporarily registered in the accounting / payment database 11 is deleted.
[0018]
In the series of processes described above, all contract activities are recorded in the history database 9 of the charging center 7, and the applicant of the charging center 7 is paid by the operator of the charging center 7 based on the contents of the charging / payment database 11 at a later date. The recruiter is charged.
[0019]
The determination as to whether or not the content of the provided information is worth the payment is made between the payer and the payee separately by telephone, mail, or in the middle of the present payment method.
[0020]
Further, when it is found that the recruiter has misused the sent manuscript even though the manuscript was rejected, the provider requests the negotiation history of the history database 9 via the charging center 7, and Appeals can be filed using history as evidence.
[0021]
【The invention's effect】
As described above, according to the present invention, a payer and a payee are connected to a charging center from a payer terminal and a payee terminal via a network, and a contract is made via the charging center. Then, the contract status is recorded in the billing center, and the fee payment procedure and collection process are immediately performed via the billing center, so that the risk of bill payment and collection is borne by the billing center, thereby realizing low risk. Therefore, even if a credit relationship has not been established between the payee and the payer, it is possible to easily transfer information and collect and pay for the sale of goods through the charging center, and to stay at home or the like. A transaction similar to cash transfer is possible while doing so.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a system for implementing a method for collecting and paying a fee according to an embodiment of the present invention.
FIG. 2 is a flowchart showing a communication procedure of a recruiter, a charging center, and an applicant in the embodiment of FIG.
FIG. 3 is a flowchart showing an operation of a charging center in the embodiment of FIG. 1;
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Payer terminal 3 Payee terminal 5 Network 7 Billing center 9 History database 11 Billing / payment database 13 Payer database

Claims

Connecting the payer terminal, the payee terminal and the charging center via a network,
A history database , a billing / payment database, and a payer which always store in the billing center a communication history of all contract activities, including information on a fee presentation between a payer and a payee, a fee confirmation and a payment decision notice or a payment non-decision notice. Set up a database,
A step in which the charging center registers, in the payer database, a payer name transmitted from the payer terminal and a terminal ID for uniquely identifying the payer's own terminal;
The billing center transmits the payer name, the information ID for identifying the information content, and the user name for specifying the payee, the terminal ID of the payee terminal transmitted from the payee terminal. Receiving with
A step in which the charging center searches the payer database for the payer received from the payee, obtains the terminal ID of the corresponding payer terminal, and connects to the payer terminal;
A step in which the charging center receives the charge information input by the payer from the payer terminal;
A step in which the charging center temporarily registers the charge information, the terminal ID of the payer terminal, and the terminal ID of the payee terminal for specifying the payee in a charging / payment database;
A charging center notifying the fee information to the payee terminal;
When the charging center receives information from the payee terminal indicating that the user agrees with the charge information, transmitting charge confirmation information to the payer terminal;
The charging center, when receiving from the payer terminal a payment notice indicating that the payer has decided to pay the information provided by the payee, transmits the payment notice to the payee terminal, as registration temporary registration of the billing / payment database, together with the determined registering the fee as billing and payment fee, if it does not receive the payment notification, transmits a non-determination notification to the payee's terminal, Deleting the temporary registration of the billing / payment database ;
And a method of collecting and paying fees.

A payer terminal for transmitting the payer name known by the payee in advance, an information ID for identifying information content, and a user name for identifying the user to the charging center together with the terminal ID of the terminal itself;
History database, billing / payment has the database and the payer database, always charge presentation of the payer and the payer, said the communication history of all contract actions, including information about costs confirmation and payment determination notice or payment non-deterministic notification Search for the payer received from the payee terminal in the payer database that stores the correspondence between the payer name and the terminal ID stored in the history database, and obtains the terminal ID of the corresponding payer terminal, connect to the payer for end late, charge information when transmitting the charge information to the payee's terminal from the payer terminal, the terminal ID of the payer terminal for specifying the payer, the payee's billing when receiving and temporarily registers the terminal ID of the payee's terminal to identify the billing / payment database, the payment notification that the payer has determined payment from the payer terminal As registration temporary registration payment database, the rates established registered as billing and payment RATE and if it does not receive the payment notification sends a non-determination notification to the payee's terminal, the temporary charging / payment database A billing center for unregistering,
Transmits the fee information previously determined payee's terminal via the accounting center, the consent to the 該料gold information from the payee's terminal is received through the accounting center, and payer payee when determining the payment to confirm the information provided from the user, the payer terminal to send payment notification to the payee's terminal,
A network connecting the payer terminal, the payee terminal and the charging center;
A fee collecting and paying device characterized by having a.

Connecting the payer terminal, the payee terminal and the charging center via a network,
A history database , a billing / payment database, and a payer which always store in the billing center a communication history of all contract activities, including information on a fee presentation between a payer and a payee, a fee confirmation and a payment decision notice or a payment non-decision notice. Set up a database,
A step in which the charging center registers an ID uniquely identifying the payer transmitted from the payer terminal in the payer database;
A step of the billing center receiving the ID uniquely identifying the payee and the information ID identifying the goods or information transmitted from the payee terminal;
A step in which the charging center receives fee information for the article or information from the payer terminal and notifies the payee terminal of the price information;
A charging center receiving, from the payer terminal, a payment determination notification indicating that the payer has determined payment for the article or information provided to the payer from the payee,
Billing center, ascertaining registered as billing and payment rates the fee charging / payment database,
And a method of collecting and paying fees.

A payee terminal for transmitting the information ID for identifying the article or the content of the information together with an ID for uniquely identifying itself to the billing center;
History database, billing / payment has the database and the payer database, always charge presentation of the payer and the payer, said the communication history of all contract actions, including information about costs confirmation and payment determination notice or payment non-deterministic notification Stored in the history database, receive the fee information for the goods or information from the payer terminal, notify this to the payee terminal, the payee agrees with the fee information and payee to payer When the payer decides to pay for the article or information provided to the user, a payment decision notice is received from the payer terminal, and the fee is charged and registered as a bill in the billing / payment database. Center and
When sending the charge information previously determined payee's terminal, the received consent from the payee's terminal, and to determine the payment to confirm the provision of goods or information from the payer, the payment notification a payer terminal to be transmitted to the payee's terminal,
A network connecting the payer terminal, the payee terminal and the charging center ;
A fee collecting and paying device characterized by having a.