JP4722285B2

JP4722285B2 - Price storage system and method

Info

Publication number: JP4722285B2
Application number: JP2000385384A
Authority: JP
Inventors: 俊良板東
Original assignee: Sumitomo Mitsui Banking Corp
Current assignee: Sumitomo Mitsui Banking Corp
Priority date: 2000-12-19
Filing date: 2000-12-19
Publication date: 2011-07-13
Anticipated expiration: 2020-12-19
Also published as: JP2002183460A

Description

【０００１】
【発明の属する技術分野】
本発明は、企業等からユーザに送付されてきた請求書に対し、ユーザが代金の支払を行うための代金収納システム及び方法に関する。
【０００２】
【従来の技術】
従来、企業等からユーザに送付されてきた請求書に対する請求代金の支払は、主に、銀行に請求書発行企業の銀行口座に所定の金額の入金を依頼する、銀行振込を利用する方法が一般的である。銀行に振込みを依頼する手段としては、銀行の窓口や電話のほか、特開平１０−３２８８３６号公報に示されるようにＡＴＭ端末を利用するもの、特開平０８−５２７１８８号公報に示されるようにインターネットを利用するもの、移動体通信端末を利用するもの等、様々な手段が利用されている。
【０００３】
【発明が解決しようとする課題】
しかしながら、このような銀行振込による支払は、銀行振込という処理が、振込依頼人の指定する金額を受取人の口座に届けるという、振込依頼人からの依頼を銀行が履行することであるため、以下のような様々な問題を生じさせていた。
【０００４】
(１)まず、銀行が振込依頼人からの振込依頼を処理する時間帯が、銀行営業日の営業時間帯に限定されているため、例えば夜間にＡＴＭ端末などから銀行に振込を依頼しても、実際に銀行が振込依頼を処理するのは例えば翌日以降となってしまう場合がある。そのため、振込期日までに銀行に振込を依頼したにもかかわらず、実際の入金が遅れ、期日を徒過してしまうという問題があった。
【０００５】
(２)また、銀行が振込処理を行う際にも、振込人にとっては受取人の口座への入金が行われてはじめて支払が完了することになるので、待ち行列の発生などにより、受取人の口座への入金に時間がかかってしまう場合には、振込依頼人からの入金を受取人が確認するまでには一定の時間を要してしまうという問題があった。
【０００６】
(３)さらに、受取人からの請求金額とは異なる金額を振込依頼人が指定してきた場合であっても、銀行は振込依頼人の振込依頼に基づき、振込依頼人の指示する金額を受取人の口座に入金せざるを得ない。このため、例えば振込依頼人の支払が各種検定料などの減額の認められない請求に対する支払である場合であっても、受取人に対して請求金額に満たない金額を入金してしまうこととなり、受取人に余計な事務負担を生じさせてしまうなどという問題があった。
【０００７】
このような問題に鑑み、特定の企業から発行された請求書に対して、請求書発行企業と収納代理人契約を締結しているコンビニエンスストアなどの店頭で支払を行う方法が見受けられるようになってきている。例えば、特開平１１−６６２１２号公報においては、簡便な手続きにより、コンビニエンスストアの店頭にて顧客から支払われた通販事業者の代金回収を行う技術が開示されている。このような方法は、支払時間に制限がないこと、請求金額以外の金額の入金を認めないこと等の利点がある一方で、必ず請求書と必要な額の現金とを持って、コンビニエンスストアまで足を運ばなければ、請求代金を支払うことができないという問題があった。
【０００８】
このように、銀行やコンビニエンスストアを利用する代金の支払方法には一長一短がある。このため、実際に現金を所持していなくても、例えば自宅などから請求書を発行した代金受取者への代金の支払を行うことのできる代金支払方法が望まれている。
【０００９】
本発明の目的は、上述の問題に鑑みて、現金を所持していなくても、例えば自宅などから代金受取者への代金の支払を行うことのできる代金収納システム、端末、銀行システムを提供することにある。
【００１０】
また本発明の目的は、前記端末、前記銀行システムのそれぞれに対し、現金を所持していなくても、例えば自宅などから代金受取者への代金の支払を実現することのできるプログラムを提供することにある。
【００１１】
また本発明の目的は、前記代金収納システム、前記端末、前記銀行システムを利用して、現金を所持していなくても、例えば自宅などから代金受取者への代金の支払を行うことのできる代金収納方法を提供することにある。
【００１２】
【課題を解決するための手段】
このような目的を達成するために、請求項１に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおいて、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、前記端末は、少なくとも支払金額を含む支払指示を入力する第１の入力手段と、少なくとも代金支払者の銀行口座を特定する情報を含む出金指示を入力する第２の入力手段とを備え、前記銀行システムは、前記端末の第１の入力手段から入力された支払指示と前記端末の第２の入力手段から入力された出金指示とを前記受取人への代金の支払とみなして記憶する記憶手段と、該記憶手段に記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金する入金手段とを備えた代金収納システムであることを特徴とする。
【００１３】
請求項２に記載の発明は、請求項１に記載の代金収納システムにおいて、前記端末の第１の入力手段から入力される支払指示は支払コードを含み、前記銀行システムは、前記支払コードに基づいて前記支払指示の入力内容の検証を行う検証手段をさらに備えたことを特徴とする。
【００１４】
請求項３に記載の発明は、請求項１に記載の代金収納システムにおいて、前記入金手段は、前記代金支払者の銀行口座から出金した支払金額を前記銀行システム上の預かり口座に入金し、所定期間保持した後に、該預かり口座から出金し、前記受取人の銀行口座に入金することを特徴とする。
【００１５】
請求項４に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける前記端末において、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、少なくとも支払金額を含む支払指示を入力する第１の入力手段と、少なくとも代金支払者の銀行口座を示す情報を含む出金指示を入力する第２の入力手段とを備え、前記銀行システムは、前記端末の第１の入力手段から入力された支払指示、及び前記端末の第２の入力手段から入力された出金指示を前記受取人への代金の支払とみなして銀行システム内部に記憶し、当該記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金する端末であることを特徴とする。
【００１６】
請求項５に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける銀行システムにおいて、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、前記端末からは、少なくとも支払金額を含む支払指示と、少なくも代金支払者の銀行口座を示す情報を含む出金指示とが入力され、当該入力された支払指示と出金指示とを前記受取人への代金の支払とみなして記憶する記憶手段と、該記憶手段に記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金する入金手段とを備えた銀行システムであることを特徴とする。
【００１７】
請求項６に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける端末で実行されるプログラムにおいて、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、少なくとも支払金額を含む支払指示を入力する第１のステップと、少なくとも代金支払者の銀行口座を示す情報を含む出金指示を入力する第２のステップとを備え、前記銀行システムは、前記第１のステップにより入力された支払指示、及び前記第２のステップにより入力された出金指示を前記受取人への代金の支払とみなして銀行システム内部に記憶し、当該記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金するプログラムであることを特徴とする。
【００１８】
請求項７に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける銀行システムで実行されるプログラムにおいて、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、前記端末からは、少なくとも支払金額を含む支払指示と、少なくも代金支払者の銀行口座を示す情報を含む出金指示とが入力され、当該入力された支払指示と出金指示とを前記受取人への代金の支払とみなして記憶するステップと、該記憶手段に記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金するステップとを備えたプログラムであることを特徴とする。
【００１９】
請求項８に記載の発明は、請求項６または７のプログラムを記憶した記録媒体であることを特徴とする。
【００２０】
請求項９に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける端末を用いて、前記受取人へ支払われた代金を収納する方法において、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、少なくとも支払金額を含む支払指示を入力する第１のステップと、少なくとも代金支払者の銀行口座を示す情報を含む出金指示を入力する第２のステップとを備え、前記銀行システムは、前記第１のステップにより入力された支払指示、及び前記第２のステップにより入力された出金指示を前記受取人への代金の支払とみなして銀行システム内部に記憶し、当該記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金する代金収納方法であることを特徴とする。
【００２１】
請求項１０に記載の発明は、通信ネットワークに銀行システムと端末とが接続されており、預金者の銀行口座を管理する前記銀行システムを介して、受取人への代金の支払を前記端末から行う代金収納システムにおける銀行システムを利用して、前記受取人へ支払われた代金を収納する方法において、前記受取人に対する代金を代理で受け取る代金収納契約が銀行と前記受取人との間であらかじめ締結されており、前記端末からは、少なくとも支払金額を含む支払指示と、少なくも代金支払者の銀行口座を示す情報を含む出金指示とが入力され、当該入力された支払指示と出金指示とを前記受取人への代金の支払とみなして記憶するステップと、該記憶手段に記憶された支払指示及び出金指示に基づいて、前記銀行システム上の前記代金支払者の銀行口座から前記支払金額を出金し、前記受取人の銀行口座に入金するステップとを備えた代金収納方法であることを特徴とする。
【００２２】
【発明の実施の形態】
以下、本発明の実施形態について、図面を参照しつつ詳細に説明する。
図１は、本発明の実施される代金収納システムのシステム構成の一例を示す。代金収納システムは、ユーザ端末１００と、銀行システム２００と、企業システム３００とを有し、これら装置がインターネットなどの通信ネットワーク５００に接続されている。
【００２３】
ユーザ端末１００は、請求書に対する代金の支払を行おうとするユーザが使用する端末であり、通信ネットワーク５００を介して銀行システム２００に支払代金の支払を指示することのできる端末であれば、ユーザ個人が所有する端末でも、銀行の店舗など特定の場所に設置された端末でもよい。ユーザ端末１００の機器としては、ウェブ情報（ＨＴＭＬ文書などのマークアップランゲージ文書により規定される情報）を閲覧可能なブラウザソフトウェア（例えば、マイクロソフト社のインターネットエクスプローラ（商標）、ネットスケープ・コミュニケーション社のネットスケープ(商標)等）を搭載した市販のパーソナルコンピュータ、ＰＤＡ（Personal Data Assistance）等の情報処理装置や、電話、無線呼出端末、ＰＨＳ端末、移動体通信端末のいずれであってもよい。特に、移動体通信端末は、電子メール機能やインターネットへのアクセス機能を有する端末であってもよい（例えば、株式会社エヌ・ティ・ティ・ドコモ社が提供するｉモード（サービス名）端末等）。
【００２４】
銀行システム２００は、ＡＴＭ２１５などを有する営業店システム２１０及び銀行のコンピュータシステム（以下「銀行コンピュータセンタ」と略記する）２２０とを有する。銀行コンピュータセンタ２２０は、通信ネットワーク５００を介し、外部との情報の送受信について通信制御を行う通信制御装置２３０と、後述する代金収納プログラム及び該代金収納プログラムで必要とされる支払コードなどの各種データを格納するサーバ２４０とを備える。
【００２５】
サーバ２４０は、主制御部（以下「ＣＰＵ」という）と、ハードディスクと、ＲＡＭと、ディスプレイとを備える。ＣＰＵは、後述する代金収納プログラムを実行して、ユーザの保有口座から支払代金相当の金額を出金し、請求書発行企業の保有口座に入金するなどの処理を行う。ハードディスクは、図６に示すようなＣＰＵの実行する代金収納プログラム、代金収納システムの利用につき銀行と契約を締結した企業に付与した企業コード、検証数値生成ロジック、ユーザの保有口座の残高を操作する際に必要となる暗証番号等を記憶する。ハードディスクの代わりに、フレキシブルディスクや光磁気ディスク等であってもよい。ＲＡＭは、ＣＰＵが代金収納プログラムを実行する際の入出力データを一時記憶する。ディスプレイは、ＣＰＵの実行した代金収納プログラムの処理結果などを銀行がモニタするために利用される。
【００２６】
このように構成されたサーバ２４０は、ユーザからの指示に基づいてユーザの保有口座から支払金額を出金し、銀行の預かり口座に保持した後、請求書を発行した企業の保有口座に入金する機能を有する。
【００２７】
企業システム３００は、請求書を発行した代金受取人の使用するコンピュータまたは処理装置であり、通信ネットワーク５００を介して銀行システム２００から、請求代金の支払があった旨の収納済み連絡を受信する。企業システム３００としては、ホストコンピュータのほか、ウェブ情報（ＨＴＭＬ文書などのマークアップランゲージ文書により規定される情報）を閲覧可能なブラウザソフトウェア（例えば、マイクロソフト社のインターネットエクスプローラ（商標）、ネットスケープ・コミュニケーション社のネットスケープ(商標)等）を搭載した市販のパーソナルコンピュータ、ＰＤＡ（Personal Data Assistance）等の情報処理装置や、電話、無線呼出端末、ＰＨＳ端末、移動体通信端末のいずれであってもよい。
【００２８】
通信ネットワーク５００は、ユーザ端末１００と銀行システム２００と企業システム３００とを相互に接続する。通信ネットワーク５００としては、例えば、インターネット、イントラネット、ＬＡＮ（Local Area Network）、一般公衆電話網（アナログ／デジタルの双方を含む）、ＰＤＣ／ＰＤＣ―Ｐ／Ｗ−ＣＤＭＡ方式等の移動体通信回線交換網／移動体通信パケット交換網、無線呼出網、ＰＨＳ網、及び衛星通信網等のうちのいずれかの通信ネットワークを使用することができる。
【００２９】
図２は、ユーザ端末１００としてパーソナルコンピュータを利用し、代金収納システムを通じて請求代金の支払を行う場合における処理の流れの一例を示す。
処理（１）
まず、企業は、商品を購入したり、あるいはサービスの提供を受けたユーザに対し請求書を発行し、請求金額と、後述する支払コードとをユーザに通知する。
【００３０】
処理（２）
次に、ユーザは、ユーザ端末１００から通信ネットワーク５００を介して銀行システム２００に対し、請求書発行企業に対する代金の支払を、代金収納システムを利用して行いたい旨の支払要求を発信する。ユーザ端末１００から支払要求を受け付けると、銀行システム２００のサーバ２４０は、ユーザ端末１００に対し、図３に示すような支払指示入力画面用の情報を送信する。
【００３１】
支払指示入力画面(図３)には、上記処理(１)で企業から送付された請求書に記載されている支払コードを入力する支払コード入力欄３ａと、請求代金金額である支払金額を入力する支払金額入力欄３ｂとが設けられているので、ユーザは、ここから支払コードと支払代金とを入力し、「確認」ボタン３ｃを操作することにより、銀行システム２００に対し支払指示を行う。
【００３２】
ユーザ端末１００から支払指示を受けつけると、銀行システム２００内のサーバ２４０は図５に示す手順に沿って支払指示の妥当性のチェックを行う。支払指示の妥当性を確認すると、サーバ２４０はユーザ端末１００に対し、図４に示すような出金指示入力画面用の情報を送信する。出金指示入力画面(図４)には、支払金額の出金を行う口座を指定する口座指定欄４ａと、口座内の残高への操作に対し、銀行システム２００に対しあらかじめ登録してある暗証番号を入力する暗証番号入力欄４ｂとが設けられているので、ユーザはここから出金口座を指定し、暗証番号を入力し、「確認」ボタン４ｃを操作することにより、銀行システム２００に対し出金指示を行う。
【００３３】
処理（３）
銀行システム２００は、上述の処理(２)でユーザ端末１００から受け付けた支払指示と出金指示とに基づいて、ユーザの指定する出金口座から支払代金を出金する。出金した支払代金は、即時に、例えば別段預金のような銀行内の預かり口座に振り替え、預かり口座で保持する。銀行は、受取人である請求書発行企業の代理人として支払代金の収納を行うので、支払人から受取人への代金の支払は、銀行システム２００がユーザの指定する出金口座から支払代金を出金した時点で完了する。この際の、ユーザの指定する出金口座からの支払代金の振替のために、例えば、ユーザの指定する出金口座から出金した支払代金を、本店勘定を通じて元締店の別段預金に付けかえる処理を銀行システム２００が実行する。
【００３４】
処理（４）
銀行内の預かり口座にユーザの指定する出金口座から出金した支払代金を付け替えると、銀行システム２００からは、請求書を発行した企業の企業システム３００に対し、請求した代金が収納済みである旨を通知する。この収納済連絡は、銀行預かり口座への支払代金振り替えの都度行うこととしても、１日に１回乃至複数回行うこととしてもよい。
【００３５】
処理(５)
銀行システム２００内では、日次、あるいは週次等の一定期間ごとに預かり口座内でユーザの指定する出金口座から出金した支払代金を保持しているか否かをチェックする。保持している場合、受取人である請求書発行企業本人と、受取人の代理人である銀行との間で、「支払代金の代理収納」に関する委託事務処理結果を清算するため、銀行システム２００内の預かり口座から請求書発行企業の口座へ、保持している支払代金を入金する。請求書発行企業の口座への入金は、銀行預かり口座への支払代金振り替えの都度行うこととしても、１日に１回乃至複数回行うこととしても、何日かに１回行うこととしてもよい。また、請求書発行企業の口座が他行にある場合は、振込にて入金することとしてもよい。
【００３６】
次に、図５を参照して、ユーザ端末１００の動作について説明する。
ユーザは、銀行システム２００に対しユーザ端末１００から支払要求を発信する（Ｓ１００）。すると、銀行システム２００からユーザ端末１００に、支払指示入力画面用の情報が送信されてくる。ユーザ端末１００が、支払指示入力画面用の情報を受信すると、ユーザ端末１００のＣＰＵは、上述した支払指示入力画面（図３）を表示画面上に表示する。支払指示入力画面（図３）上には、請求書発行企業から送付された請求書に記載されている支払コードを入力する支払コード入力欄３ａと、請求代金金額である支払金額を入力する支払金額入力欄３ｂとが設けられているので、ユーザは、ここから支払コードと支払代金とを入力し、「確認」ボタン３ｃを操作することにより、銀行システム２００に対し支払指示を行う（Ｓ１１０〜Ｓ１１６）。
【００３７】
次にユーザ端末１００が銀行システム２００から出金指示入力画面用の情報を受信すると、ユーザ端末１００のＣＰＵは、上述した出金指示入力画面（図４）を表示画面上に表示する。出金指示入力画面(図４)には、支払金額の出金を行う口座を指定する口座指定欄４ａと、口座内の残高への操作に対し、銀行システム２００に対しあらかじめ登録してある暗証番号を入力する暗証番号入力欄４ｂとが設けられているので、ユーザはここから出金口座を指定し、暗証番号を入力し、「確認」ボタン４ｃを操作することにより、銀行システム２００に対し出金指示を行う（Ｓ１２０〜Ｓ１２６）。
【００３８】
次に、図６を参照して、銀行システム２００内のサーバ２４０の動作について説明する。
ユーザ端末１００から支払要求を受けつけると、サーバ２４０のＣＰＵは、ユーザ端末１００に対し、支払指示入力画面用の情報を送信する（Ｓ２００〜Ｓ２０５）。
【００３９】
次にユーザ端末１００から支払指示を受け付けると、サーバ２４０のＣＰＵは、図７に示す手順により、受け付けた支払指示の妥当性をチェックする。ユーザ端末１００から受け付けた支払指示について妥当性を確認した場合、サーバ２４０のＣＰＵは、ユーザ端末１００に対し、出金指示入力画面用の情報を送信する。支払指示について妥当性が確認できなかった場合は、サーバ２４０のＣＰＵは、ユーザ端末１００に対し、支払指示に誤りがあったことなどを示すエラー情報を送信する（Ｓ２１０〜２１７）。
【００４０】
ユーザ端末１００から出金指示を受け付けると、サーバ２４０のＣＰＵは、出金指示に含まれる暗証番号などの情報と、ハードディスクに記憶する暗証番号などとを照合し、認証処理を行う。ユーザ端末１００から受け付けた出金指示をもとにユーザの指定する出金口座についての認証を行うことができた場合は、その出金口座から、支払指示に含まれる支払代金相当の金額を出金する（Ｓ２３０〜Ｓ２３６）。
【００４１】
サーバ２４０のＣＰＵは、出金口座から出金した金額を預かり口座に振り替える。そして、受取人である請求書発行企業の企業システム３００に対し、請求した代金が収納済みである旨を通知し、請求書発行企業の口座に、預かり口座で保持する金額を入金する（Ｓ２４０〜Ｓ２６０）。
【００４２】
次に、図７を参照して、上記処理(２)において銀行システム２００内のサーバ２４０の行う、妥当性チェックの手順について説明する。
【００４３】
まず、代金収納システムを利用した支払代金の支払時に必要となる支払コードについて説明する。請求書を発行する企業は、ユーザに請求書を送付する際、以下に述べる支払コードをユーザごとに生成し、ユーザに請求する金額などの情報とともに請求書上に記載し、ユーザに通知する。
【００４４】
支払コードは、企業コードと、支払人コードと、検証数値とを含むコードをいう。
企業コードとは、請求代金の回収にあたり、代金収納システムを利用することにつき、銀行と契約を締結した企業に対して銀行から固有に付与されるコードをいう。企業コードは、例えば企業の希望する３桁程度のアルファベットと、その企業を特定するための４桁程度の検証数値によって生成することが考えられる。銀行と契約を締結した企業が例えばガス会社であり、そのガス会社から銀行に、企業コードのヘダー部に３桁のアルファベット「ＧＡＳ」を希望する旨通知があり、銀行内に保有する検証数値ロジックを用いてそのヘダー部に４桁の検証数値、「１５６４」を付与する場合、そのガス会社の企業コードは「ＧＡＳ−１５６４」となる。
【００４５】
支払人コードとは、代金の受取人である請求書発行企業から請求された金額の支払を行うユーザに対し、請求書発行企業が付与するコードである。支払人コードとしては、例えば８桁程度の数字によって生成することが考えられる。支払金コードに８桁程度の数字を使用することで、一億人程度のユーザへの対応が可能となる。支払人コードとしては、例えば、「１２３４５６７８」である。
【００４６】
検証数値とは、上記処理(２)において触れた支払指示の妥当性チェックの際に必要となる数値であり、上述した支払人コード、ユーザへの請求金額などの情報を、受取人である請求書発行企業に対し銀行が公開した検証数値ロジックを用いて数桁程度の数字に数値化したものをいう。検証数値ロジックを用いて支払人コード「１２３４５６７８」を数値化した場合は、検証数値が「３４」、ユーザへの請求金額「５０００円」を数値化した場合には検証数値が「５６」、などとなる。
【００４７】
支払人コード「１２３４５６７８」を持つユーザに対して、企業コード「ＧＡＳ−１５６４」をもつ受取人が、ガス料金「５０００円」を請求した場合の支払コードは以下の通りとなる。支払人コードの検証数値を「３４」、請求金額の検証数値を「５６」として、支払コードを、企業コード、支払人コード、支払人コードの検証数値、請求金額の検証数値の順に格納することとすると、請求書に記載される支払コードは、「ＧＡＳ−１５６４−１２３４５６７８−３４−５６」となる。ただし、支払コード内への、企業コード、支払人コード、検証数値等の桁数及び格納順は、銀行と受取人である請求書発行企業との間で適宜定めることができる。
【００４８】
次に、サーバ２４０の行う、妥当性チェックの手順について説明する。ユーザ端末１００からの支払要求を受けつけると、サーバ２４０内のハードディスクに格納する代金収納プログラムが起動する。これにより、ＣＰＵは、以下の処理を行う。
【００４９】
ユーザ端末１００上に表示された支払指示入力画面(図３)から入力された支払コードを受け付けると、ＣＰＵは、支払コードの中から企業コードと支払人コードと検証数値とを取り出し、ＲＡＭに記憶する。企業コード、支払人コード、検証数値の並べ方と桁数とを予め決めておくことにより、各コードの取り出しは容易に行うことができる(Ｓ３００-Ｓ３０５)。
【００５０】
次にユーザ端末１００から支払金額を受けつけると、ＣＰＵは、企業コード、支払人コード、支払金額の各数値に検証数値ロジックを施し、検証数値を算出する。(Ｓ３１０-Ｓ３１５)。
【００５１】
そして算出した検証数値と、支払コードから取り出した検証数値とを比較し、両者の一致を確認する。一致する場合には、ユーザ端末１００からの支払指示の妥当性が確認されたことになる。一致しない場合は、ユーザ端末１００からの支払指示の妥当性は否認されたことになり、ユーザは、代金収納システムを利用して請求書に対する支払を行うことができないこととなる。この場合、企業コードはそれ自体の中に検証数値を含むので、より正確な妥当性チェックが行われる(Ｓ３２０−Ｓ３２６)。
【００５２】
次に、他の実施形態について説明する。
(１)上述した実施形態においては、支払コードを、３桁のアルファベットと４桁程度の検証数字からなる企業コード、８桁程度の数字からなる支払人コード、支払人コードと支払金額とを示すそれぞれ２桁程度の数字からなる検証数値、とを含む１９桁程度の数字から生成する場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、各企業におけるユーザ数などに鑑み、桁数を変更することが考えられる。また、支払コードに支払金額を含めることも考えられる。
【００５３】
(２)上述した実施形態においては、支払コードには、企業コードと支払人コードと検証数値とを含むと説明したが、本発明はこの場合に限定されるものではない。支払金額も支払コードの中に含めることができる。こうすることにより、支払金額の入力チェックが検証数値のみに依らず行えるのでより正確な金額の入力妥当性の確認を行うことができる。
【００５４】
(３)上述した実施形態においては、１つの支払コードを用いて代金収納を行う場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、支払コードをいくつかに分割し、短い支払コードをユーザに入力させるようにすることも考えられる。例えば上述した実施形態における「ＧＡＳ−１５６４−１２３４５６７８−３４−５６」という１９桁の支払コードを２つに分け、一方の支払コードを企業コード「ＧＡＳ−１５６４」とし、もう一方の支払コードに支払人コードと、支払コードと請求金額のそれぞれの検証数値とを含めて「１２３４５６７８-３４−５６」とし、これら２つの支払コードを個々にユーザに入力させることも考えられる。１９桁もの長い支払コードを１度にユーザに入力させることにより生じる誤入力を防ぐためである。この際、支払コードをいくつに分割するか、分割してできたそれぞれの短い支払コードにどのような情報を含め、ユーザに入力させることとするか等については、様々な変形が考えられることはいうまでもない。
【００５５】
(４)また、上述した実施形態においては、ユーザ端末１００からの支払指示及び出金指示の入力として、支払コード、支払代金金額、出金口座の指定、出金口座の暗証番号の順にユーザに入力させる場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、この入力順を変更し、出金口座の指定、支払代金金額、支払コード、暗証番号の順にユーザに入力させることとしてもよい。さらに、支払コードの中に支払代金金額を含む場合には、再度支払代金金額を入力させることをせず、銀行システム２００からユーザ端末１００の表示画面に支払金額情報を表示させ、ユーザに金額を確認させることにより、支払代金金額の入力を行わせることも考えられる。また、支払者が自己のパーソナルコンピュータ等で入力を行う場合には、あらかじめ銀行と契約を結んで、通信のための暗証番号等を取り決めておく必要があるが、その際交付した契約番号のようなものを入力することで、出金口座の指定を省略することもできる。このように、支払コードや出金口座を特定する情報など、支払指示、出金指示に必要な情報を銀行システム２００に伝えることができれば、これら情報をユーザ端末１００から入力する際の入力手順を入れ替えて、ユーザに入力させることも考えられる。
【００５６】
(５)上述した実施形態においては、支払指示を入力する手段として、支払コード入力欄３ａと、支払金額入力欄３ｂとを１つの画面に備えた支払指示入力画面(図３)を用いる場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、支払指示を入力する手段を複数の入力画面で構成し、ユーザに入力させることとしてもよい。例えば、まず支払コード入力欄だけを備えた画面から支払コードを入力させ、ユーザに入力内容の確認をさせた後に、ユーザ端末１００に支払金額を入力する画面を表示させ、支払代金金額を入力させることとすることができる。
【００５７】
(６)上述した実施形態においては、ユーザ端末１００から銀行システム２００に支払指示、出金指示を行い、支払代金の支払を行う場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、銀行システム２００内におけるＡＴＭ端末２１５から、ユーザが、銀行コンピュータセンタ２２０に支払指示、出金指示を行うことも考えられる。この場合、ＡＴＭ端末２１５の表示画面に、支払指示入力画面(図３)のような画面を表示して支払指示の入力を、出金指示入力画面(図４)のような画面を表示して出金指示の入力をそれぞれ行わせることが考えられる。
【００５８】
(７)上述した実施形態においては、ユーザの指定する出金口座から支払金額を出金し、銀行がその金額を一旦、預かり口座に入金し、その後請求書発行企業の保有口座にその金額を入金することにより、請求書発行企業に対する支払を行う場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、ユーザが、ＡＴＭ端末２１５を操作することによりＡＴＭ端末２１５から支払金額相当の現金を入金し、請求書発行企業に対する支払を行うことも考えられる。
【００５９】
(８)上述した実施形態においては、代金収納システムを利用してユーザが請求代金の支払を行う際に、支払指示入力画面(図３)のような画面から、ユーザが、請求書上に記載された支払コードや支払金額の入力を行う場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、ユーザに送付する請求書上に、支払コードや支払金額を示すバーコードを記載し、バーコードを読み取ることのできる読取装置を備えたユーザ端末１００でバーコードの読み取りを行わせることにより、支払コードや支払金額の入力を簡素化することも考えられる。
【００６０】
(９)上述した実施形態においては、あらかじめユーザの元に送付されてきた請求書上に記載された支払コードなどの情報をもとに請求書発行企業に対する支払を行う場合を一例に説明したが、本発明はこの場合に限定されるものではない。他の実施形態においては、例えば、デビットカードを用いた商品代金の支払の代替手段として、代金収納システムを利用することも考えられる。
【００６１】
具体的には、図８に示すような手順が考えられる。まず、ユーザへ商品を販売するにあたって、商品の販売を行う販売店の店頭などで、ユーザに対し支払コードを生成する(Ｓ１)。ユーザは、支払コードを元に、販売店の店頭等において、ユーザの保持する移動体通信端末等のユーザ端末１００を利用して、銀行システム２００に対し、支払要求、支払指示、出金指示等を行う(Ｓ２)。銀行システム２００は、ユーザ端末１００から受け付けた支払要求、支払指示、出金指示等に基づいて、ユーザの指定する出金口座から商品代金を出金し、銀行内の預かり口座に振り替えを行う(Ｓ３)。販売店は、銀行システム２００から発信される収納済連絡を受けることで商品代金の受領を確認し(Ｓ４)、その後、ユーザに商品を引渡す(Ｓ５)。銀行システム２００内では、適宜、銀行内の預かり口座から商品代金金額相当を、販売店の保有する口座に入金する(Ｓ６)。
【００６２】
このようにすることにより、販売店の店頭にデビットカード決済用の端末をおかなくてもデビットカードによる支払と同様、決済金額、注文番号等の情報、銀行からの決済可否に関する情報を入手することができるので、現金を所持していないユーザに対して、商品を販売あるいはサービスを提供することができる。また、出金口座に関する情報や暗証番号など、全ての支払または出金に関する情報を、ユーザ自身が保持する端末を利用してユーザ自身が入力すれば足りることから、暗証番号などの情報が外部に漏れることを防ぐことができる。さらに、販売店側に設置されたデビットカード決済用の端末にデビットカードを指し込む事により生じるカード情報の悪用も防ぐこともできる。
【００６３】
(１０)代金引替による通信販売などに、代金収納システムを利用した支払方法を利用し、ユーザが商品代金を支払済みである旨を確認した後に商品の引渡しを行うことも考えられる。具体的には、図９に示すような手順が考えられる。まず、ユーザへ商品を配達するにあたって、運送会社の配送センタなどで生成しておいた支払コードを、商品代金の請求書とともに商品配達時にユーザに提示する(Ｓ１)。ユーザは、支払コードを元に、自宅にある電話などのユーザ端末１００を利用して、銀行システム２００に対し、支払要求、支払指示、出金指示等を行う(Ｓ２)。銀行システム２００は、ユーザ端末１００から受け付けた支払要求、支払指示、出金指示等に基づいて、ユーザの指定する出金口座から商品代金を出金し、銀行内の預かり口座に振り替えを行う(Ｓ３)。運送会社は、銀行システム２００から発信される収納済連絡を受けることでユーザからの商品代金の受領を確認する(Ｓ４)。そして、商品の配達を行う配達者に、ユーザは、配達商品に対する代金の支払が終了したことを通知する(Ｓ５)。運送会社から、ユーザが商品代金を支払済みであることについての通知を受領した配達者は、その後、ユーザに商品を引渡す(Ｓ６)。銀行システム２００内では、適宜、銀行内の預かり口座から配達商品の代金金額相当を、運送会社の保有する口座に入金する(Ｓ７)。このようにすることにより、ユーザは手元に現金を保持していなくても配達された商品を受け取ることができ、配送業者は、現金の授受に関する作業から開放されることができる。
【００６４】
以上、説明したように、本実施形態では、電話やインターネット、移動体通信端末等を介して、ユーザの指定する口座から支払金額を出金し、請求書発行企業に対する請求金額の支払を行うとしているので、ユーザは、請求書と必要な額の現金とを持って銀行の窓口やコンビニエンスストアの店頭などに実際に出向くことなく、代金受取者への代金の支払を、現金を所持していなくても、例えば自宅などから行うことができる。また、銀行が受取人に代わって代金を受け取ることとしているので、従来の振込処理のように処理に一定の時間を要することなく、ユーザの口座から請求金額を出金した時点で支払が完了したこととなり、処理時間が原因で生じるトラブルの発生を防ぐことができる。
【００６５】
また、支払人コードと支払金額とを確認した後に、ユーザの指定する出金口座から請求金額を出金し、請求書を発行した企業の口座に入金することとしているため、入金に際しては支払人を特定することができ、かつ、請求代金以外の入金を排除することができる。これにより、例えば、公共料金や各種検定料等の減額をすることのできない金額の回収を望む企業にあっては、請求した金額以外の金額による入金を受け付けなくても済むことができるので、従来のように、請求金額以外の入金を抽出し、不足金額についての請求を行うような事務作業を回避でき、事務負担を著しく軽減することができる。
【００６６】
【発明の効果】
以上、説明したように、請求項１〜７に記載の発明によれば、現金を所持していなくても、例えば自宅などから代金受取者への代金の支払を行うことができる。
【図面の簡単な説明】
【図１】代金収納システムのシステム構成の一例を示す図である。
【図２】代金収納システムを通じて請求代金の支払を行う場合における処理の流れの一例を示す図である。
【図３】支払指示入力画面の一例を示す図である。
【図４】出金指示入力画面の一例を示す図である。
【図５】ユーザ端末の動作の一例を示すフローチャートである。
【図６】サーバの動作の一例を示すフローチャートである。
【図７】サーバにおける妥当性チェックの手順の一例を示す図である。
【図８】デビットカードを用いた商品代金の支払に代金収納システムを利用する場合における処理の流れの一例を示す図である。
【図９】代金引替による通信販売などでの商品代金の支払に代金収納システムを利用する場合における処理の流れの一例を示す図である。
【符号の説明】
１００ユーザ端末
２００銀行システム
２１０営業店システム
２１５ＡＴＭ端末
２２０銀行コンピュータセンタ
２３０通信制御装置
２４０サーバ
３００企業システム
５００通信ネットワーク[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a price storage system and method for a user to pay for a bill sent from a company or the like to the user.
[0002]
[Prior art]
Conventionally, the payment of billing charges for bills sent to users from companies, etc., is mainly done by using bank transfer, in which a bank is requested to deposit a predetermined amount into the bank account of the billing company. Is. As means for requesting the bank to make a transfer, in addition to a bank window and a telephone, an ATM terminal is used as disclosed in JP-A-10-328836, and an Internet as disclosed in JP-A-08-527188. Various means are used, such as those using a mobile phone and those using a mobile communication terminal.
[0003]
[Problems to be solved by the invention]
However, such payment by bank transfer is because the bank fulfills the request from the transfer client that the process called bank transfer delivers the amount specified by the transfer client to the recipient's account. Caused various problems.
[0004]
(1) First, since the time period when the bank processes the transfer request from the transfer client is limited to the business hours on the bank business day, even if you request the bank transfer from an ATM terminal at night, for example The bank may actually process the transfer request after the next day, for example. For this reason, there was a problem that the actual payment was delayed and the due date was overdue even though the bank requested transfer by the due date.
[0005]
(2) Also, when the bank performs the transfer process, the payment will be completed only for the transferee after the payment is made to the payee's account. When it takes time to deposit money into the account, there is a problem that it takes a certain time until the recipient confirms the payment from the transfer requester.
[0006]
(3) In addition, even if the transfer requester has specified an amount different from the amount charged by the payee, the bank will specify the amount specified by the transfer requester based on the transfer request from the transfer requester. I have to deposit in my account. For this reason, for example, even if the payment requester's payment is for a claim that cannot be reduced, such as various examination fees, the recipient will receive an amount less than the amount charged, There was a problem of causing an extra administrative burden on the recipient.
[0007]
In view of these problems, a method of paying invoices issued by a specific company at a store such as a convenience store that has a storage agent contract with the invoicing company has come to be seen. It is coming. For example, Japanese Patent Application Laid-Open No. 11-66212 discloses a technique for collecting the price of a mail-order business operator paid from a customer at a convenience store store by a simple procedure. While this method has the advantage that there is no limit on the payment time and that payments other than the billing amount are not allowed, it is always necessary to bring a bill and the necessary amount of cash to the convenience store. There was a problem that we couldn't pay the bill if we didn't go.
[0008]
As described above, there are advantages and disadvantages to payment methods for using banks and convenience stores. For this reason, there is a demand for a payment method that allows payment to be made to a payee who has issued an invoice from, for example, a home, without actually having cash.
[0009]
In view of the above-described problems, an object of the present invention is to provide a price storage system, a terminal, and a bank system that can pay a price to a price recipient, for example, from home without having cash. There is.
[0010]
Further, an object of the present invention is to provide a program that can realize payment of a price from a home or the like to a payee, for example, without having cash for each of the terminal and the bank system. It is in.
[0011]
Another object of the present invention is to use the price storage system, the terminal, and the bank system to pay the price to the payee from home, for example, without having cash. It is to provide a storage method.
[0012]
[Means for Solving the Problems]
In order to achieve such an object, the invention according to claim 1 is characterized in that a bank system and a terminal are connected to a communication network, and a recipient is connected via the bank system for managing a bank account of a depositor. In the price storage system that pays the price to the receiver from the terminal, a price storage contract for receiving the price for the payee on behalf is preliminarily concluded between the bank and the payee, and the terminal has at least a payment amount And a second input means for inputting a withdrawal instruction including information specifying at least the payer's bank account, the bank system comprising: Storage means for storing the payment instruction input from the first input means and the withdrawal instruction input from the second input means of the terminal as a payment of the price to the recipient; Depositing means for withdrawing the payment amount from the bank account of the payer on the bank system and depositing into the bank account of the recipient based on the payment instruction and the withdrawal instruction stored in the storage means; It is the price storage system provided.
[0013]
The invention described in claim 2 is the payment storage system according to claim 1, wherein the payment instruction input from the first input means of the terminal includes a payment code, and the bank system is based on the payment code. And verifying means for verifying the input contents of the payment instruction.
[0014]
The invention described in claim 3 is the price storage system according to claim 1, wherein the depositing unit deposits the payment amount withdrawn from the bank account of the price payer into a deposit account on the bank system, After holding for a predetermined period, the deposit account is withdrawn and deposited into the bank account of the recipient.
[0015]
According to a fourth aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the payee from the terminal via the bank system that manages a bank account of a depositor. In the terminal in the payment storage system, a payment input contract for receiving a payment for the payee on behalf is preliminarily concluded between the bank and the payee, and a first input for inputting a payment instruction including at least a payment amount Means and a second input means for inputting a withdrawal instruction including information indicating at least the payer's bank account, wherein the bank system receives the payment instruction input from the first input means of the terminal, And the withdrawal instruction input from the second input means of the terminal is regarded as payment of the price to the payee and stored in the bank system, and the stored payment instruction and Based on the withdrawal instruction, said the withdrawal of the payment amount from the payment's bank account on the banking system, characterized in that it is a terminal to be credited to the recipient's bank account.
[0016]
According to a fifth aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the payee from the terminal via the bank system that manages a bank account of a depositor. In the bank system in the price storage system, a price storage contract for receiving the price for the payee on behalf is preliminarily concluded between the bank and the payee, and from the terminal, a payment instruction including at least a payment amount; Withdrawing instructions including information indicating at least the payer's bank account is input, and storage means for storing the input payment instructions and the withdrawal instructions as payments for the payee. Based on the payment instructions and withdrawal instructions stored in the storage means, the payment amount is withdrawn from the bank account of the payer on the bank system, and the recipient's bank It characterized in that it is a banking system and a payment means for payment on the seat.
[0017]
According to a sixth aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the recipient from the terminal via the bank system that manages a bank account of a depositor. In a program executed on a terminal in the price storage system, a price storage contract for receiving the price for the payee on behalf is preliminarily concluded between the bank and the payee, and a payment instruction including at least the payment amount is input And a second step of inputting a withdrawal instruction including information indicating at least a payer's bank account, wherein the banking system includes the payment instruction input by the first step, and The withdrawal instruction input in the second step is regarded as payment of the payment to the payee and stored in the banking system. Based on the payment instruction and the withdrawal instruction, said the withdrawal of the payment amount from the payment's bank account on the banking system, characterized in that it is a program that credited to the recipient's bank account.
[0018]
According to the seventh aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the recipient from the terminal via the bank system that manages a bank account of a depositor. In the program executed in the bank system in the price storage system, a price storage contract for receiving the price for the payee on behalf is preliminarily concluded between the bank and the payee, and at least the payment amount is received from the terminal. A payment instruction including a payment instruction including information indicating at least the payer's bank account, and the input payment instruction and the payment instruction are regarded as payment of the price to the recipient and stored. And issuing the payment amount from the bank account of the payer on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means. And, characterized in that it is a program that includes a step to be credited to the recipient's bank account.
[0019]
The invention described in claim 8 is a recording medium storing the program of claim 6 or 7.
[0020]
According to the ninth aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the recipient from the terminal via the bank system that manages a bank account of a depositor. In a method for storing the price paid to the payee using a terminal in the price storage system, a price storage contract for receiving the price for the payee on behalf is preliminarily concluded between the bank and the payee. , A first step of inputting a payment instruction including at least a payment amount, and a second step of inputting a withdrawal instruction including information indicating at least a payer's bank account. A banking system that regards the payment instruction input in step 1 and the withdrawal instruction input in step 2 as payment of the price to the payee The amount of money to be withdrawn from the bank account of the payer on the bank system and deposited into the bank account of the payee based on the stored payment instruction and withdrawal instruction It is a storing method.
[0021]
According to the tenth aspect of the present invention, a bank system and a terminal are connected to a communication network, and a payment is made to the recipient from the terminal via the bank system that manages a bank account of a depositor. In the method for storing the price paid to the payee using the bank system in the price storage system, a price storage contract for receiving the price for the payee on behalf is concluded between the bank and the payee in advance. From the terminal, a payment instruction including at least a payment amount and a withdrawal instruction including information indicating at least the payer's bank account are input, and the input payment instruction and withdrawal instruction are input. The step of storing the payment as the payment to the payee, and the payment on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means Of the withdrawal the payment amount from the bank account, and said a recipient price storage method which includes a step of payment to the bank account of.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 shows an example of a system configuration of a price storage system in which the present invention is implemented. The price storage system includes a user terminal 100, a bank system 200, and a corporate system 300, and these devices are connected to a communication network 500 such as the Internet.
[0023]
The user terminal 100 is a terminal used by a user who wants to pay for the bill. If the terminal can instruct the bank system 200 to pay the payment via the communication network 500, the user terminal 100 Or a terminal installed in a specific place such as a bank store. As a device of the user terminal 100, browser software (for example, Internet Explorer (trademark) of Microsoft Corp., Netscape of Netscape Communication Corp.) (for example, information specified by a markup language document such as an HTML document) can be browsed. (Trademark) etc.) and any of an information processing apparatus such as a PDA (Personal Data Assistance), a telephone, a wireless calling terminal, a PHS terminal, and a mobile communication terminal. In particular, the mobile communication terminal may be a terminal having an electronic mail function or an internet access function (for example, an i-mode (service name) terminal provided by NTT DoCoMo, Inc.). .
[0024]
The bank system 200 includes a branch office system 210 having an ATM 215 and the like, and a bank computer system (hereinafter abbreviated as “bank computer center”) 220. The bank computer center 220 communicates via the communication network 500 with a communication control device 230 that performs communication control for transmission / reception of information to / from the outside, and various data such as a payment storage program to be described later and a payment code required for the payment storage program. And a server 240 for storing.
[0025]
The server 240 includes a main control unit (hereinafter referred to as “CPU”), a hard disk, a RAM, and a display. The CPU executes a price storage program, which will be described later, and performs processing such as withdrawing an amount equivalent to the payment price from the user's account and depositing it into the account of the bill issuing company. The hard disk manipulates the price storage program executed by the CPU as shown in FIG. 6, the company code assigned to the company that has signed a contract with the bank for the use of the price storage system, verification numerical value generation logic, and the balance of the account held by the user. The secret code number etc. which are needed at the time are stored. Instead of a hard disk, a flexible disk or a magneto-optical disk may be used. The RAM temporarily stores input / output data when the CPU executes the price storage program. The display is used by the bank to monitor the processing result of the price storage program executed by the CPU.
[0026]
The server 240 configured in this manner withdraws the payment amount from the user's holding account based on an instruction from the user, holds it in the bank's custody account, and then deposits it in the holding account of the company that issued the invoice. It has a function.
[0027]
The enterprise system 300 is a computer or processing device used by the payee who issued the invoice, and receives a stored notification from the bank system 200 via the communication network 500 that the charge has been paid. As the enterprise system 300, browser software (for example, Internet Explorer (trademark) of Microsoft Corporation, Netscape Communication, Inc.) capable of browsing web information (information defined by markup language documents such as HTML documents) in addition to a host computer. And any other information processing device such as a PDA (Personal Data Assistance), a telephone, a wireless calling terminal, a PHS terminal, and a mobile communication terminal.
[0028]
The communication network 500 connects the user terminal 100, the bank system 200, and the corporate system 300 to each other. Examples of the communication network 500 include mobile communication line switching such as the Internet, an intranet, a LAN (Local Area Network), a general public telephone network (including both analog / digital), and PDC / PDC-P / W-CDMA. Any communication network can be used, such as a network / mobile communication packet switching network, a radio paging network, a PHS network, and a satellite communication network.
[0029]
FIG. 2 shows an example of the processing flow when a personal computer is used as the user terminal 100 and the billing fee is paid through the bill storage system.
Processing (1)
First, a company issues a bill to a user who has purchased a product or received a service, and notifies the user of the billing amount and a payment code described later.
[0030]
Processing (2)
Next, the user transmits a payment request to the bank system 200 from the user terminal 100 via the communication network 500 to the effect that payment is to be made to the bill issuing company using the price storage system. When receiving a payment request from the user terminal 100, the server 240 of the bank system 200 transmits information for a payment instruction input screen as shown in FIG.
[0031]
In the payment instruction input screen (FIG. 3), the payment code input field 3a for inputting the payment code described in the invoice sent from the company in the above process (1) and the payment amount as the billing amount are entered. Since the payment amount input field 3b is provided, the user inputs a payment code and a payment price from here, and operates the “confirm” button 3c to give a payment instruction to the bank system 200.
[0032]
When receiving a payment instruction from the user terminal 100, the server 240 in the bank system 200 checks the validity of the payment instruction according to the procedure shown in FIG. When the validity of the payment instruction is confirmed, the server 240 transmits information for a withdrawal instruction input screen as shown in FIG. 4 to the user terminal 100. In the withdrawal instruction input screen (FIG. 4), an account designation field 4a for designating an account for withdrawing the payment amount, and a password registered in advance in the bank system 200 for operations on the balance in the account. Since the password input field 4b for inputting the number is provided, the user designates the withdrawal account from this, inputs the password, and operates the “confirm” button 4c, thereby allowing the bank system 200 to Make withdrawal instructions.
[0033]
Processing (3)
The bank system 200 withdraws the payment amount from the withdrawal account designated by the user based on the payment instruction and the withdrawal instruction received from the user terminal 100 in the above process (2). The payment amount withdrawn is immediately transferred to a deposit account in a bank such as a separate deposit and held in the deposit account. Since the bank stores the payment amount as an agent of the invoicing company that is the recipient, the payment from the payer to the recipient is made by the bank system 200 from the withdrawal account designated by the user. Complete when you withdraw. In this case, in order to transfer the payment amount from the withdrawal account specified by the user, for example, a process of transferring the payment amount withdrawn from the withdrawal account specified by the user to a separate deposit of the former closing store through the head office account Is executed by the bank system 200.
[0034]
Processing (4)
When the payment amount withdrawn from the withdrawal account designated by the user is replaced with the deposit account in the bank, the billed amount is already stored in the corporate system 300 of the company that issued the invoice from the bank system 200. Notify that. This stored notification may be performed each time the payment amount is transferred to the bank deposit account, or may be performed once to several times a day.
[0035]
Processing (5)
In the bank system 200, it is checked whether or not the payment amount withdrawn from the withdrawal account designated by the user is held in the deposit account at regular intervals such as daily or weekly. In the case of holding, the bank system 200 for clearing the result of consignment paperwork related to “payment of proxy payment” between the invoicing company who is the payee and the bank which is the agent of the payee Deposit the payment from the bank account to the invoicing company's account. Payment to the account of the invoicing company may be made each time the payment amount is transferred to the bank deposit account, or once or several times a day, or once in several days. . Moreover, when the account of a bill issuing company is in another bank, it is good also as depositing by transfer.
[0036]
Next, the operation of the user terminal 100 will be described with reference to FIG.
The user transmits a payment request from the user terminal 100 to the bank system 200 (S100). Then, information for a payment instruction input screen is transmitted from the bank system 200 to the user terminal 100. When the user terminal 100 receives the information for the payment instruction input screen, the CPU of the user terminal 100 displays the above-described payment instruction input screen (FIG. 3) on the display screen. On the payment instruction input screen (FIG. 3), the payment code input field 3a for inputting the payment code described in the invoice sent from the invoicing company, and the payment for inputting the payment amount as the billing amount. Since the amount input field 3b is provided, the user inputs a payment code and a payment price from here, and operates the “confirm” button 3c to give a payment instruction to the bank system 200 (S110 to S110). S116).
[0037]
Next, when the user terminal 100 receives information for the withdrawal instruction input screen from the bank system 200, the CPU of the user terminal 100 displays the above-described withdrawal instruction input screen (FIG. 4) on the display screen. In the withdrawal instruction input screen (FIG. 4), an account designation field 4a for designating an account for withdrawing the payment amount, and a password registered in advance in the bank system 200 for operations on the balance in the account. Since the password input field 4b for inputting the number is provided, the user designates the withdrawal account from this, inputs the password, and operates the “confirm” button 4c, thereby allowing the bank system 200 to A withdrawal instruction is given (S120 to S126).
[0038]
Next, the operation of the server 240 in the bank system 200 will be described with reference to FIG.
When receiving a payment request from the user terminal 100, the CPU of the server 240 transmits information for a payment instruction input screen to the user terminal 100 (S200 to S205).
[0039]
Next, when receiving a payment instruction from the user terminal 100, the CPU of the server 240 checks the validity of the received payment instruction according to the procedure shown in FIG. When the validity of the payment instruction received from the user terminal 100 is confirmed, the CPU of the server 240 transmits information for a withdrawal instruction input screen to the user terminal 100. When the validity of the payment instruction cannot be confirmed, the CPU of the server 240 transmits error information indicating that there is an error in the payment instruction to the user terminal 100 (S210 to 217).
[0040]
When a withdrawal instruction is received from the user terminal 100, the CPU of the server 240 collates information such as a personal identification number included in the withdrawal instruction with a personal identification number stored in the hard disk and performs an authentication process. If the withdrawal account specified by the user can be authenticated based on the withdrawal instruction received from the user terminal 100, the amount equivalent to the payment amount included in the payment instruction is issued from the withdrawal account. Gold (S230-S236).
[0041]
The CPU of the server 240 transfers the amount withdrawn from the withdrawal account to the deposit account. Then, it notifies the billing company's company system 300 that the bill has been stored, and deposits the amount held in the deposit account into the billing company's account (S240 to S240). S260).
[0042]
Next, with reference to FIG. 7, the procedure of the validity check performed by the server 240 in the bank system 200 in the process (2) will be described.
[0043]
First, the payment code required when paying the payment using the price storage system will be described. When a company that issues an invoice sends the invoice to the user, a payment code described below is generated for each user, described on the invoice together with information such as the amount charged to the user, and notified to the user.
[0044]
The payment code is a code including a company code, a payer code, and a verification numerical value.
The company code is a code that is uniquely given by a bank to a company that has signed a contract with the bank for using the price storage system when collecting the billing fee. For example, the company code may be generated by an alphabet of about 3 digits desired by the company and a verification numerical value of about 4 digits for specifying the company. A company that has signed a contract with a bank, for example, is a gas company, and the gas company notifies the bank that it wants the three-digit alphabet “GAS” in the header of the company code, and the verification numerical logic held in the bank When a 4-digit verification value, “1564”, is assigned to the header part using “”, the company code of the gas company is “GAS-1564”.
[0045]
The payer code is a code given by the invoicing company to the user who pays the amount requested by the invoicing company that is the recipient of the price. As the payer code, for example, it may be generated by a number of about 8 digits. By using a number of about 8 digits for the payment code, it is possible to deal with about 100 million users. The payer code is, for example, “12345678”.
[0046]
The verification numerical value is a numerical value required for the validity check of the payment instruction mentioned in the above process (2), and information such as the payer code and the amount charged to the user is charged to the recipient. This is a number that has been digitized to a few digits using the verification numerical logic published by the bank to the book issuer. When the payer code “12345678” is digitized using the verification numerical logic, the verification numerical value is “34”, when the charge amount to the user “5000 yen” is digitized, the verification numerical value is “56”, etc. It becomes.
[0047]
The payment code when the recipient having the company code “GAS-1564” charges the gas charge “5000 yen” to the user having the payer code “12345678” is as follows. The payer code verification value is “34”, the charge amount verification value is “56”, and the payment code is stored in the order of company code, payer code, payer code verification value, and charge amount verification value. Then, the payment code described in the invoice becomes “GAS-1564-12345678-34-56”. However, the number of digits such as a company code, a payer code, a verification value, and a storage order in the payment code can be appropriately determined between the bank and the invoicing company that is the payee.
[0048]
Next, the procedure of validity checking performed by the server 240 will be described. When a payment request from the user terminal 100 is received, a price storage program stored in the hard disk in the server 240 is activated. Thereby, the CPU performs the following processing.
[0049]
When the payment code input from the payment instruction input screen (FIG. 3) displayed on the user terminal 100 is received, the CPU extracts the company code, the payer code, and the verification numerical value from the payment code, and stores them in the RAM. To do. By predetermining the arrangement and number of digits of the company code, payer code, and verification numerical value, each code can be easily taken out (S300-S305).
[0050]
Next, when the payment amount is received from the user terminal 100, the CPU performs verification numerical logic on the numerical values of the company code, the payer code, and the payment amount, and calculates the verification numerical value. (S310-S315).
[0051]
Then, the calculated verification numerical value is compared with the verification numerical value extracted from the payment code, and a match between the two is confirmed. If they match, the validity of the payment instruction from the user terminal 100 is confirmed. If they do not match, the validity of the payment instruction from the user terminal 100 is denied, and the user cannot pay the bill using the price storage system. In this case, since the company code includes a verification value in itself, a more accurate validity check is performed (S320-S326).
[0052]
Next, another embodiment will be described.
(1) In the embodiment described above, the payment code indicates a company code consisting of a 3-digit alphabet and a verification number of about 4 digits, a payer code consisting of an 8-digit number, a payer code, and a payment amount. The case of generating from about 19 digits including a verification numerical value each consisting of about 2 digits has been described as an example, but the present invention is not limited to this case. In another embodiment, it is conceivable to change the number of digits in view of the number of users in each company. It is also possible to include the payment amount in the payment code.
[0053]
(2) In the above-described embodiment, it has been described that the payment code includes the company code, the payer code, and the verification numerical value. However, the present invention is not limited to this case. The payment amount can also be included in the payment code. By doing so, the input check of the payment amount can be performed regardless of the verification numerical value alone, so that the input validity can be confirmed more accurately.
[0054]
(3) In the above-described embodiment, the case where the payment is stored using one payment code has been described as an example. However, the present invention is not limited to this case. In other embodiments, it may be possible to split the payment code into several parts and allow the user to enter a short payment code. For example, the 19-digit payment code “GAS-1564-12345678-34-56” in the above-described embodiment is divided into two, one payment code is the company code “GAS-1564”, and payment is made to the other payment code. It is also conceivable that the person code, the payment code, and the verification numerical value of each charge amount are set to “12345678-34-56”, and the user inputs these two payment codes individually. This is to prevent erroneous input caused by having the user input a payment code as long as 19 digits at a time. At this time, how many payment codes are divided, what information is included in each short payment code that has been divided, and the user's input, etc. Needless to say.
[0055]
(4) Further, in the above-described embodiment, as input of the payment instruction and the withdrawal instruction from the user terminal 100, the payment code, the payment price, the designation of the withdrawal account, and the PIN number of the withdrawal account are given to the user in this order. Although the case of inputting is described as an example, the present invention is not limited to this case. In another embodiment, the input order may be changed, and the user may be input in the order of the withdrawal account designation, the payment amount, the payment code, and the personal identification number. Furthermore, when the payment amount is included in the payment code, the payment amount information is displayed on the display screen of the user terminal 100 from the bank system 200 without allowing the payment amount to be input again, and the amount is displayed to the user. It may be possible to have the payment amount entered by confirming the payment. In addition, when a payer performs input using his / her personal computer, it is necessary to make a contract with a bank in advance and negotiate a PIN code for communication. You can also omit the withdrawal account by entering a password. In this way, if information necessary for payment instructions and withdrawal instructions, such as information for specifying a payment code and a withdrawal account, can be transmitted to the bank system 200, an input procedure for inputting these information from the user terminal 100 is performed. It is also conceivable that the user exchanges and inputs.
[0056]
(5) In the embodiment described above, a case where the payment instruction input screen (FIG. 3) having the payment code input field 3a and the payment amount input field 3b on one screen is used as means for inputting the payment instruction. Although described as an example, the present invention is not limited to this case. In another embodiment, the means for inputting the payment instruction may be configured by a plurality of input screens and input by the user. For example, firstly, a payment code is input from a screen having only a payment code input field, and after the user confirms the input contents, a screen for inputting the payment amount is displayed on the user terminal 100 and the payment price amount is input. Can be.
[0057]
(6) In the above-described embodiment, the case where the user terminal 100 issues a payment instruction and a withdrawal instruction to the bank system 200 and pays the payment price has been described as an example. However, the present invention is limited to this case. It is not a thing. In another embodiment, it is also conceivable that the user issues a payment instruction and a withdrawal instruction to the bank computer center 220 from the ATM terminal 215 in the bank system 200. In this case, on the display screen of the ATM terminal 215, a screen such as a payment instruction input screen (FIG. 3) is displayed to input a payment instruction, and a screen such as a withdrawal instruction input screen (FIG. 4) is displayed. It is conceivable to input a withdrawal instruction.
[0058]
(7) In the embodiment described above, the payment amount is withdrawn from the withdrawal account designated by the user, the bank temporarily deposits the amount into the deposit account, and then the amount is stored in the account of the invoicing company. The case where payment is made to the invoicing company by depositing has been described as an example, but the present invention is not limited to this case. In another embodiment, it is also conceivable that the user deposits cash equivalent to the payment amount from the ATM terminal 215 by operating the ATM terminal 215 and makes payment to the bill issuing company.
[0059]
(8) In the above-described embodiment, when the user pays the billing price using the price storage system, the user writes it on the bill from the screen such as the payment instruction input screen (FIG. 3). The case where the payment code and the payment amount entered are described as an example, but the present invention is not limited to this case. In another embodiment, the bar code indicating the payment code or the payment amount is written on the bill sent to the user, and the bar code is read by the user terminal 100 including the reading device capable of reading the bar code. It is also possible to simplify the input of the payment code and the payment amount by making it.
[0060]
(9) In the above-described embodiment, the case where payment is made to the invoicing company based on information such as the payment code described on the invoice sent to the user in advance has been described as an example. The present invention is not limited to this case. In another embodiment, for example, it is conceivable to use a price storage system as an alternative to paying for a product price using a debit card.
[0061]
Specifically, a procedure as shown in FIG. 8 can be considered. First, when selling a product to the user, a payment code is generated for the user at the store of the store where the product is sold (S1). Based on the payment code, the user uses the user terminal 100 such as a mobile communication terminal held by the user at the store or the like of the store to make a payment request, a payment instruction, a withdrawal instruction, etc. to the bank system 200. (S2). The bank system 200 withdraws the product price from the withdrawal account designated by the user based on the payment request, payment instruction, withdrawal instruction, etc. received from the user terminal 100, and transfers it to the deposit account in the bank ( S3). The store confirms receipt of the product price by receiving the stored notification transmitted from the bank system 200 (S4), and then delivers the product to the user (S5). In the bank system 200, the merchandise price equivalent amount is appropriately transferred from the deposit account in the bank to the account held by the store (S6).
[0062]
By doing this, even if you do not have a terminal for debit card payment at the storefront, you can obtain information such as the payment amount, order number, etc., as well as information on whether payment from the bank is possible, as with debit card payment Therefore, it is possible to sell products or provide services to users who do not have cash. In addition, since it is sufficient for the user himself / herself to input all payment / withdrawal information such as withdrawal account information and personal identification number using a terminal held by the user himself / herself, information such as personal identification number is externally provided. Leakage can be prevented. Further, it is possible to prevent the card information from being misused by inserting the debit card into the debit card settlement terminal installed at the store side.
[0063]
(10) It is also conceivable to use a payment method using a price storage system for mail order sales by price transfer, etc., and deliver the product after confirming that the user has paid the product price. Specifically, a procedure as shown in FIG. 9 can be considered. First, when delivering a product to the user, the payment code generated at the delivery center of the shipping company is presented to the user at the time of product delivery together with an invoice for the product price (S1). Based on the payment code, the user makes a payment request, a payment instruction, a withdrawal instruction, etc. to the bank system 200 using the user terminal 100 such as a telephone at home (S2). The bank system 200 withdraws the product price from the withdrawal account designated by the user based on the payment request, payment instruction, withdrawal instruction, etc. received from the user terminal 100, and transfers it to the deposit account in the bank ( S3). The shipping company confirms receipt of the commodity price from the user by receiving the stored notification transmitted from the bank system 200 (S4). Then, the user notifies the delivery person who delivers the product that the payment for the delivery product has been completed (S5). The delivery person who has received a notification from the shipping company that the user has paid for the product has delivered the product to the user (S6). In the bank system 200, the amount corresponding to the price of the delivery product is appropriately transferred from the deposit account in the bank to the account held by the shipping company (S7). By doing in this way, the user can receive the delivered goods even if he / she does not hold cash, and the delivery company can be freed from work related to cash transfer.
[0064]
As described above, in the present embodiment, it is assumed that the payment amount is withdrawn from the account designated by the user via the telephone, the Internet, the mobile communication terminal, etc., and the invoice amount is paid to the invoicing company. Therefore, the user does not have cash to pay the payment recipient without actually going to the bank counter or convenience store store with the invoice and the required amount of cash. However, it can be performed from home, for example. In addition, since the bank accepts the payment on behalf of the payee, the payment is completed when the invoice amount is withdrawn from the user's account without taking a certain amount of time as in the conventional transfer process. Therefore, it is possible to prevent the occurrence of trouble caused by the processing time.
[0065]
In addition, after confirming the payer code and the payment amount, the invoice amount is withdrawn from the withdrawal account specified by the user and deposited into the account of the company that issued the invoice. Can be specified, and deposits other than billing charges can be excluded. As a result, for example, companies that wish to collect amounts that cannot be reduced such as public fees and various examination fees can avoid receiving payments in amounts other than the amount requested. As described above, it is possible to avoid office work such as extracting a deposit other than the billing amount and charging for the shortage amount, and remarkably reduce the office burden.
[0066]
【The invention's effect】
As described above, according to the inventions described in claims 1 to 7, payment can be made from a home or the like to a price recipient, for example, without having cash.
[Brief description of the drawings]
FIG. 1 is a diagram illustrating an example of a system configuration of a price storage system.
FIG. 2 is a diagram showing an example of a flow of processing when paying a billing price through a price storage system.
FIG. 3 is a diagram showing an example of a payment instruction input screen.
FIG. 4 is a diagram showing an example of a withdrawal instruction input screen.
FIG. 5 is a flowchart illustrating an example of an operation of a user terminal.
FIG. 6 is a flowchart illustrating an example of the operation of a server.
FIG. 7 is a diagram illustrating an example of a validity check procedure in a server.
FIG. 8 is a diagram showing an example of a processing flow when a price storage system is used for payment of a product price using a debit card.
FIG. 9 is a diagram illustrating an example of a processing flow when a price storage system is used for payment of a product price in a mail order or the like by price exchange.
[Explanation of symbols]
100 user terminal
200 Banking system
210 Sales office system
215 ATM terminal
220 Bank Computer Center
230 Communication control device
240 servers
300 Enterprise system
500 communication network

Claims

In a payment storage system in which a bank system and a terminal are connected to a communication network, and a payment is made to the recipient from the terminal via the bank system that manages a bank account of a depositor,
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
The terminal
A first input means for inputting a payment instruction including a payment amount and a payment code , wherein the payment code is generated by applying a predetermined logic to the billing amount specified by the recipient; A first input means including a verification numerical value for verifying the payment amount included in the payment instruction ;
A second input means for inputting a withdrawal instruction including at least information for identifying the bank account of the payer;
The bank system
Storage means for storing the payment instruction input from the first input means of the terminal and the withdrawal instruction input from the second input means of the terminal as payment for the payment to the recipient;
Verification means for verifying whether or not the payment amount included in the payment instruction matches the billed amount based on the verification numerical value of the payment code included in the payment instruction stored in the storage means; , Applying the predetermined logic to the payment amount included in the payment instruction to calculate a verification numerical value, and when the calculated verification numerical value and the verification numerical value of the payment code match, the payment instruction Verifying means configured to determine that the payment amount included in the claim amount matches the billing amount ;
Depositing means for withdrawing the payment amount from the bank account of the payer on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means and depositing into the bank account of the recipient A price storage system characterized by comprising:

In the price storage system according to claim 1,
The payment code further includes a payer code identifying the payer, a payee code identifying the payee, a second verification value for verifying the payer code, and the payee code. A third verification value for verification ,
The verification means calculates a second verification numerical value by applying the predetermined logic to the payer code included in the payment code, and calculates the second verification numerical value and the first of the payment code. And verifying whether or not the verification value of 2 matches, calculating the third verification value by applying the predetermined logic to the recipient code included in the payment code, 3. A price storage system, further configured to verify whether or not the verification value of 3 and the third verification value of the payment code match.

In the price storage system according to claim 1,
The depositing means deposits the payment amount withdrawn from the bank account of the payment payer into the deposit account on the bank system, holds the money for a predetermined period, and then withdraws from the deposit account, and the recipient's bank account Payment storage system, characterized by depositing money into.

In the bank system in the payment storage system in which a bank system and a terminal are connected to the communication network, and the payment is made to the recipient from the terminal via the bank system that manages the bank account of the depositor.
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
Storage means for storing a payment instruction including a payment amount and a payment code input from the terminal, and a withdrawal instruction including information indicating at least a payer's bank account as payment for the payee The payment code includes a verification value for verifying the payment amount included in the payment instruction, generated by applying predetermined logic to the charge amount specified by the payee. Storage means ;
Verification means for verifying whether or not the payment amount included in the payment instruction matches the billed amount based on the verification numerical value of the payment code included in the payment instruction stored in the storage means; , Applying the predetermined logic to the payment amount included in the payment instruction to calculate a verification numerical value, and when the calculated verification numerical value and the verification numerical value of the payment code match, the payment instruction Verifying means configured to determine that the amount of payment included in the amount matches the amount of the charge ;
Depositing means for withdrawing the payment amount from the bank account of the payer on the bank system based on the payment instruction and the withdrawal instruction stored in the storage means and depositing into the bank account of the recipient A banking system characterized by comprising:

A bank system and a terminal are connected to a communication network, and are executed by a terminal in a price storage system that pays a payee to a recipient from the terminal via the bank system that manages a bank account of a depositor. In the recording medium that records the program,
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
The program is stored in the terminal.
A first step of transmitting a payment instruction including an input payment amount and a payment code to the bank system , wherein the payment code is a predetermined logic to a billing amount specified by the payee. A first step including a verification value for verifying the payment amount included in the payment instruction generated by applying
A second step of transmitting, to the banking system, a withdrawal instruction including information indicating at least the input payer's bank account after the banking system determines that the payment amount is valid; ,
The bank system stores the payment instruction and the withdrawal instruction transmitted from the terminal as a payment of a price to the payee, and stores the payment code included in the stored payment instruction. The payment amount is verified based on the verification numerical value of the payment amount, and the payment amount is withdrawn from the bank account of the payer on the bank system based on the stored payment instruction and withdrawal instruction. , Configured to deposit into the payee's bank account ,
In the verification of the payment amount, a verification numerical value is calculated by applying the predetermined logic to the payment amount included in the payment instruction, and the calculated verification value matches the verification value of the payment code. Sometimes the recording medium includes determining that the amount of payment is appropriate .

A bank system and a terminal are connected to a communication network, and are executed by a bank system in a price storage system in which payment is made to a recipient from the terminal via the bank system that manages a bank account of a depositor. In a recording medium recording a program
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
The program is stored in the bank system.
A step of storing a payment instruction including a payment amount and a payment code input from the terminal and a withdrawal instruction including information indicating at least a payer's bank account as payment of the payment to the payee. The payment code includes a verification value for verifying the payment amount included in the payment instruction, generated by applying predetermined logic to the charge amount specified by the payee. When,
Based on the verification value of the payment code included in the stored payment instruction, the payment amount contained in the payment instruction is a step for verifying whether it matches the invoice amount,
Calculating a verification numerical value by applying the predetermined logic to the payment amount included in the payment instruction;
Determining that the payment amount included in the payment instruction matches the billed amount when the calculated verification value matches the verification value of the payment code;
Including steps , and
Withdrawing the payment amount from the payment payer's bank account on the bank system based on the stored payment instruction and withdrawal instruction, and depositing it into the payee's bank account. A recording medium characterized by the above.

A bank system and a terminal are connected to a communication network, and through the bank system that manages a bank account of a depositor, using a terminal in a price storage system that performs payment of a price to a recipient from the terminal, In the method of storing the price paid to the recipient,
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
A first step of transmitting a payment instruction including an input payment amount and a payment code to the bank system , wherein the payment code is a predetermined logic to a billing amount specified by the payee. A first step including a verification value for verifying the payment amount included in the payment instruction generated by applying
A second step of transmitting to the bank system a withdrawal instruction including information indicating at least the entered payer's bank account after the bank system determines that the payment amount is valid ;
The bank system stores the payment instruction and the withdrawal instruction transmitted from the terminal as a payment of a price to the payee, and stores the payment code included in the stored payment instruction. The payment amount is verified based on the verification numerical value of the payment amount, and the payment amount is withdrawn from the bank account of the payer on the bank system based on the stored payment instruction and withdrawal instruction. , Configured to deposit into the payee's bank account ,
In the verification of the payment amount, a verification numerical value is calculated by applying the predetermined logic to the payment amount included in the payment instruction, and the calculated verification value matches the verification value of the payment code. Sometimes the payment storage method includes determining that the payment amount is appropriate .

A bank system and a terminal are connected to a communication network, and the bank system in the price storage system for paying the payee to the recipient from the terminal via the bank system that manages the bank account of the depositor is used. In the method of storing the price paid to the recipient,
A payment storage contract for receiving the payment for the recipient on behalf of the recipient has been concluded in advance between the bank and the recipient,
A step of storing a payment instruction including a payment amount and a payment code input from the terminal and a withdrawal instruction including information indicating at least a payer's bank account as payment of the payment to the payee. The payment code includes a verification value for verifying the payment amount included in the payment instruction, generated by applying predetermined logic to the charge amount specified by the payee. When,
Verifying whether the payment amount included in the payment instruction matches the billed amount based on the verification numerical value of the payment code included in the stored payment instruction ,
Calculating a verification numerical value by applying the predetermined logic to the payment amount included in the payment instruction;
Determining that the payment amount included in the payment instruction matches the billed amount when the calculated verification value matches the verification value of the payment code;
Including steps , and
Withdrawing the payment amount from the payment payer's bank account on the bank system based on the stored payment instruction and withdrawal instruction, and depositing it into the payee's bank account. The price storage method characterized by.