JP2002297917A - Account subtraction preinforming method and account subtraction price prepaying method - Google Patents

Abstract

(57) [Summary] [Problem] To notify a user in advance of a scheduled debit date, and to enable payment before the scheduled debit date. SOLUTION: A step (401) of receiving an automatic debit schedule in which one or a plurality of account transfer requests are put together from a storage company server;
Storing in the first storage unit, information relating to direct debit of the account transfer request read out from the first storage unit, and a user terminal number read out from the second storage unit in which user attribute information is stored. And sending an advance notice of direct debit summarizing advance notices of a plurality of users to the server of the information distribution company (4).
02).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prior debit notification method and a prior debit payment method, and more particularly, to a prior debit notification method and a direct debit method for notifying a user in advance of a scheduled debit date. The present invention relates to a pre-payment method for a direct debit payment, which allows payment before the scheduled date.

[0002]

2. Description of the Related Art As one of financial services such as a bank,
Automatic account debit or automatic account transfer services are in place. This is a service in which monthly payments of utility bills and the like are automatically deducted from the user's account on a predetermined business day every month, and are returned to the account of the storage company. For the user, there is an advantage that the procedure related to monthly payment can be omitted, and for the storage company, charges and the like can be stored reliably on a predetermined day every month.

[0003] A user makes an account transfer request to a bank or the like via a storage company and makes a contract for an automatic account debit service in advance. Every month, when the account is automatically debited and the transfer is made on the scheduled debit date, the receiving company sends an account transfer receipt notification to the user.

[0004]

However, the notification to the user is to notify whether or not the transfer has been made after the scheduled withdrawal date, and the notification has not been made in advance. . Therefore, if the user forgets to deposit the account before the scheduled withdrawal date and the debit cannot be made due to insufficient balance, the receiving company must perform a dunning procedure, and the user must perform a re-transfer procedure again. Without
There was a problem that it was complicated.

[0005] Further, even if a notice is given in advance before the scheduled withdrawal date, the withdrawal is only the scheduled withdrawal date, and the transfer cannot be made in advance. Therefore, there is also a problem that it is not possible to respond to a request of a user who desires to make a transfer while there is a balance in the account.

SUMMARY OF THE INVENTION The present invention has been made in view of such a problem, and an object of the present invention is to provide a method of notifying a user in advance of a scheduled debit date, and a method of notifying a user in advance of the scheduled debit date. It is an object of the present invention to provide a direct debit payment method that enables payment.

[0007]

According to the present invention, in order to achieve the above object, according to the first aspect of the present invention, a notice of a debit of a storage company which stores a payment from a user by account transfer is provided. A settlement company, in the prior debit notification method of notifying the user via an information distribution company, receiving an automatic debit schedule statement in which one or more account transfer requests are summarized from a server of the storage company; Storing the account transfer request in the first storage unit for each user; and storing the information relating to the debit of the account transfer request read out from the first storage unit and the attribute information of the user. A step of creating a prior notice from the terminal number of the user read from the storage unit, and a prior debit notice summarizing the prior notices of a plurality of users; Characterized in that it comprises the step of sending.

According to a second aspect of the present invention, in response to the advance notice of the first aspect, the user receives a request for debit of the user, and the settlement company stores the money in the storage company. Receiving, from a server of the information distribution company, a confirmation notification statement in which one or more prepaid bills are summarized, and storing the prepaid billing for each user in a third storage. And a step of performing an account debit process based on the advance debit request read from the third storage unit, and a processing result of the processing step is stored in the storage company server and the information. Sending to a server of a distribution company.

According to a third aspect of the present invention, there is provided an apparatus for preliminarily debiting an account settlement company for notifying a user of an account debit of a storage company which stores payments from the user by account transfer via an information distribution company. Means for receiving, from a server of the storage company, an automatic debit schedule summarizing one or more account transfer requests, first storage means for storing the account transfer requests for each user, and the first storage Means for creating a prior notice from the information relating to the direct debit of the account transfer request read from the means and the terminal number of the user read from the second storage means storing the attribute information of the user; Means for sending a pre-debit notification summarizing the pre-article notification to the server of the information distribution company.

[0010] According to a fourth aspect of the present invention, in response to the advance notice of the first aspect, a request for debit of the user is received, and the settlement company which stores the payment in the storage company. Means for receiving, from the server of the information distribution company, a confirmation notification statement summarizing one or more prepaid bills in the prepaid device, and a third storage for storing the prepaid bill for each user Means, said third
Means for performing an account debit process based on the advance debit request read from the storage means, and means for transmitting a processing result of the processing means to the server of the storage company and the server of the information distribution company. It is characterized by having.

According to a fifth aspect of the present invention, there is provided an account transfer advance notification device for a settlement company which notifies a user of a debit of a storage company which stores payments by an account transfer to the user via an information distribution company. Receiving, from a server of the storage company, an automatic debit schedule in which one or a plurality of account transfer requests are summarized, wherein the account transfer request is stored for each user by a first method. Storing the information relating to the direct debit of the account transfer request read out from the first storage unit, and the terminal number of the user read out from the second storage unit storing the attribute information of the user. Creating a prior notice from, and sending a prior debit notice summarizing the prior notice of a plurality of users to the server of the information distribution company Characterized in that it is a computer-readable recording medium recording a program to be executed by a computer.

According to a sixth aspect of the present invention, in response to the advance notice of the fifth aspect, a request for debit of the user is received, and the settlement company of the settlement company which stores money in the storage company. A recording medium for recording a program for controlling a direct debit payment device, wherein a confirmation notification statement in which one or a plurality of advance debit requests are collected is received from a server of the information distribution company; Storing the bill for each user in a third storage unit, performing a direct debit process based on the advance debit request read from the third storage unit, and a processing result of the processing step Sending a program to the server of the storage company and the server of the information distribution company. Characterized in that there.

According to a seventh aspect of the present invention, there is provided a settlement company prior debit notification device for notifying a user of a debit of a storage company which stores payments from a user by account transfer to the user via an information distribution company. A step of receiving, from a server of the storage company, an automatic debit schedule in which one or a plurality of account transfer requests are collected, and storing the account transfer request in a first storage unit for each user. Creating the advance notice from the information relating to the debit of the account transfer request read from the first storage unit and the user terminal number read from the second storage unit in which the attribute information of the user is stored. Steps to
Sending the advance notice of direct debit summarizing the advance notices of a plurality of users to a server of the information distribution company.

According to an eighth aspect of the present invention, in response to the advance notice of the fifth aspect, the user receives a request for debit of the user and the payment company of the settlement company which stores the money in the storage company. A program for controlling a direct debit payment device, comprising: receiving a confirmation notification statement in which one or a plurality of advance debit requests are summarized from a server of the information distribution company; , Storing in a third storage unit, performing a direct debit process based on the advance debit request read from the third storage unit, and storing the processing result of the processing step in the storage company. And a step of transmitting the information to the server of the information distribution company by a computer.

[0015]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a schematic configuration diagram showing a direct debit system according to one embodiment of the present invention. The direct debit system consists of the Internet 101 and the Internet 10
1 is connected to a storage company server 111, a bank server 112, and an information distribution company server 113. The Internet 101 is connected to a public communication network 102 via a gateway.

A telephone 121 possessed by a user who receives an advance debit notification service or an advance debit payment service provided by the direct debit system;
22 and the FAX 123 are connected to the public communication network 102. The public communication network 102 also includes a mobile communication network, and a user's mobile terminal 124 is connected via the base station 103. Further, the general-purpose computer 131 of the user may be directly connected to the Internet 101 in some cases.

With such a configuration, the server 111 of the receiving company sends the automatic debit schedule statement, which is a billing request, to the server 112 of the bank. Upon receiving the notification, the server 112 of the bank adds necessary information and sends the details of the advance notification to the server 113 of the information distribution company. The server 113 of the information distribution company processes the details of the advance notice received from the server 112 of the bank in accordance with the type of the terminal of the user, and then processes the telephone 12 via the Internet 101.
1. Send to the general-purpose computer 122, FAX 123 or mobile terminal 124. As such an information distribution method, an information transmission method described in JP-A-2000-222303 can be applied.

On the other hand, the request for advance debit sent from the user terminal is sent from the server 113 of the information distribution company to the server 112 of the bank. At the bank, debit from the user's account and transfer to the account of the receiving company are performed. The bank server 112 sends the result of the advance debit to the terminal of the user via the server 111 of the storage company and the server 113 of the information distribution company.

FIG. 2 is a block diagram showing a bank server according to an embodiment of the present invention. Bank server 11
2 is a central processing unit (CPU) for controlling the entire server
201 and a ROM 2 storing a boot program and the like
02 and a RAM 203 which stores a program for executing a method of pre-payment notice or pre-payment method, and which provides a temporary data storage area required for execution, and which are connected via a bus 204. . In addition, the bank server 112 includes a communication device 205 for connecting to the Internet 101, a database 206 storing a program for executing a method of notifying of direct debit or a method of prepaid debit, customer information, and the like. An input / output IF 207 to which an input / output device for performing setting and adjustment is connected is provided, and these are connected to the CPU 201 via the bus 204.

With such a configuration, the automatic withdrawal schedule statement from the storage company server 111 is stored in the Internet 10
1, the communication device 205, and the CPU via the bus 204.
It is sent to 201. Upon receiving the notification, the CPU 201
The database 206 is searched to obtain information on the corresponding customer, and a preliminary notification statement is created. The advance notification statement is sent to the server 113 of the information distribution company via the communication device 205 and the Internet 101.

FIG. 3 is a diagram for explaining the structure of a database in a bank server according to an embodiment of the present invention. Database 2 in bank server 112
Reference numeral 06 denotes a customer information database 261 storing user account information and the like, and an automatic debit statement list 262 storing automatic debit schedules from the storage company server 111.
And an immediate debit statement list 263 in which information on the user who has received the direct debit payment service is stored.

FIG. 4 is a sequence diagram showing a pre-debit notification method and a pre-payment method according to an embodiment of the present invention. First, with reference to FIGS.

Before the scheduled debit date, the server 111 of the receiving company stores the automatic debit schedule statement 301 in which the debit requests for each of a plurality of users are summarized in the bank server 1.
12 (401). The server 112 of the bank stores the automatic withdrawal schedule statement 301 for each user in the automatic withdrawal statement list 262.

The server 112 of the bank issues an automatic debit schedule 3 for each user described in the automatic debit schedule 301.
01 and the customer information database 261 to extract necessary information to create a prior notice. Next, the bank server 11
2 sends an advance notice statement 302 that summarizes advance notices of a plurality of users to the server 113 of the information distribution company (4
02). The server 113 of the information distribution company creates an advance debit notification for each user from the advance notification statement 302,
The data is converted into a format suitable for the terminal types of the users 121 to 124 and transmitted (403).

When the user receives the pre-debit notification, the user returns a confirmation notification to the server 113 of the information distribution company (404). The server 113 of the information distribution company collects the confirmation notices for each user and returns them to the bank server 112 as confirmation notice details (405).

Next, with reference to FIGS. 3 and 4, a method of prepaid debit payment will be described. Upon receiving the direct debit notification, the user can send a confirmation notification and pay the direct debit price in advance. Details will be described later with reference to FIG. The request for advance debit is sent to the information distribution company server 113 together with the confirmation notice (404), and is transferred to the bank server 112 as the details of the confirmation notice (40).
5).

The bank server 112 extracts the advance debit request 303 from the details of the confirmation notice and stores it in the instant debit details list 263. Further, information on the user's account debit relating to this bill is extracted from the automatic debit statement list 262 and stored in the immediate debit statement list 263. The bank server 112 transmits the information stored in the immediate debit statement list 263 to a bank accounting system server (not shown), and performs the account debit or account transfer process.

The server 112 of the bank, which has been notified of the end of the processing from the server of the accounting system, collects the details of the pre-deduction result for each housing company and sends it to the housing company server 111 (4).
06). Further, the bank server 112 collects a plurality of users, creates a debit completion notification statement, and sends it to the information distribution company server 113 (407). The server 113 of the information distribution company creates a debit completion notification for each user from the debit completion notification details, converts the debit completion notification into a format suitable for the type of the user's terminals 121 to 124, and transmits it (408).

As for the user who has not received the direct debit payment prepaid service, the server 112 of the bank performs the process of direct debit or direct debit on a predetermined scheduled debit date and stores the details of the automatic debit result. The data is sent to the storage company server 111 collectively for each company (409).

FIG. 5 is a view showing an automatic withdrawal schedule statement in the prior debit notification method according to one embodiment of the present invention. FIG. 5A shows a header portion of the automatic withdrawal schedule statement. The storage company server 111 is the bank server 112
Is a header portion of the automatic withdrawal schedule statement 301 to be sent to the customer. FIG. 5 (b) shows the transfer details for each of the automatic withdrawal schedule details. The automatic debit schedule statement 301 includes one or more of the transfer statements.

FIG. 6 is a diagram showing advance notice details and advance notice of direct debit in the method of advance notice of direct debit according to an embodiment of the present invention. FIG. 6 (a) shows advance notice details 3
02 is shown. The bank server 112 refers to the automatic withdrawal schedule statement 301 stored in the automatic withdrawal statement list 262 for each user who performs the advance debit notification, and refers to FIG.
, The withdrawn bank number 521, the withdrawn branch number 522, the deposit item 523, and the account number 524
And the depositor name 525 are taken out and copied to the advance notice statement. In addition, the storage company name 511 and the withdrawal date 512 are extracted from the header portion shown in FIG. Further, the bank server 112 describes, in the dummy column 611, information indicating when the account debit for giving the advance notice is a request from the receiving company.

On the other hand, the server 112 of the bank extracts the terminal number of the user in the advance debit notification service or the user ID and the password in the direct debit payment service from the customer information database 261 and adds it to the advance notice. . In this way, in the dummy column 611, when other information stored in the customer information database 261 such as, for example, the price of merchandise purchase is to be withdrawn,
The product name or the like can also be described.

FIG. 6B shows an advance notice of direct debit.
This is an advance notice of direct debit sent from the server 113 of the information distribution company to the user, and is converted into a format suitable for the mobile terminal 124 of the user. 6A shows a state in which the contents of the advance notice statement 302 shown in FIG. 6A are converted into a text format, transmitted to the user, and displayed on the display of the mobile terminal 124. Information distribution company server 113
Transmits the image shown in FIG. 6B to the facsimile 123, and
It can be converted to the ML (Hyper Text Markup Language) format and transmitted, or can be converted to voice and transmitted to the telephone 121.

Further, the server 112 of the bank and the server 113 of the information distribution company can also publish a notice 612 from the company or an advertisement 613 in addition to the advance debit notification.

FIG. 7 is a flowchart showing a method for prepaid direct debit payment according to an embodiment of the present invention.
When the user receives the prior notice of direct debit, the user accesses the server 113 of the information distribution company from the user's terminals 121 to 124 when the user wishes to withdraw even before the scheduled debit. Access from the user was accepted (S
701) The server 113 of the information distribution company
Inquiry as to whether to confirm only the advance debit notification or to request advance debit, in a format suitable for the types of the terminals No. to 124, for example, voice guidance or a web screen (S702).

When making a request for advance debit, the server 113 of the information distribution company requests input of a user name and a password in order to authenticate the user and confirm his intention to debit the account (S703). After confirming the input of the user name and the password from the user, the server 113 of the information distribution company transmits the content of the advance debit notification again (S704) and requests selection of whether or not to request advance debit. (S705).

The confirmation of the advance debit notification has been received (S7).
06) The server 113 of the information distribution company transfers the request for advance debit together with the confirmation notice to the server 112 of the bank as the details of the confirmation notice.

FIG. 8 is a diagram showing a debit completion notification in the prepaid account debit payment method according to one embodiment of the present invention. The server 112 of the bank, which has been notified of the debit or the end of the account transfer, creates a debit completion notification statement and sends it to the server 113 of the information distribution company. The server 113 of the information distribution company creates a debit completion notification for each user from the debit completion notification details, converts the debit completion notification into a format suitable for the types of the terminals 121 to 124 of the user, and transmits it.

FIG. 8A shows a withdrawal completion notification indicating that the withdrawal has been completed. A notification indicating that the account transfer has been completed is transmitted together with the contents of the advance debit notification shown in FIG. 6B. FIG. 8B shows a debit completion notification indicating that the debit could not be made. In addition to the contents of the advance debit notification shown in FIG. 6B, a notification that the account transfer was not performed is transmitted together.

According to the present embodiment, when funds are settled through a bank such as transfer or account transfer, a bank and an information distribution company server intervene between the receiving company and the user, thereby making it possible for the bank account to be prepaid. Notification service and direct debit payment service can be applied. In addition, by using the account withdrawal system, the storage company can utilize it for marketing, such as conducting a questionnaire survey with a user who has made a preliminary withdrawal or a notice of the account withdrawal.

[0042]

As described above, according to the present invention,
Receiving an automatic debit schedule summarizing one or more account transfer requests from a server of the storage company; storing the account transfer requests in a first storage unit for each user; and a first storage unit Creating advance notices from the information relating to the direct debit of the account transfer request read out from the user and the terminal number of the user read out from the second storage unit in which the attribute information of the user is stored; Sending the summarized notice of direct debit to the server of the information distribution company, so that the user can avoid forgetting to pay by the prior notice of direct debit, and the receiving company can reduce the amount of payment by reducing the dunning procedure. The cost of collection can be reduced.

Further, according to the present invention, a step of receiving a confirmation notification statement in which one or a plurality of advance withdrawal requests are put together from a server of the information distribution company; And a step of performing an account debit process based on the advance debit request read from the third storage unit, and sending a processing result of the processing step to a server of the storage company and a server of the information distribution company. The user can withdraw the money in accordance with the user's account balance, and the storage company can quickly collect the money.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing a direct debit system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a bank server according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a structure of a database in a bank server according to an embodiment of the present invention.

FIG. 4 is a sequence diagram showing a pre-debit notification method and a pre-payment method according to an embodiment of the present invention.

FIG. 5 is a diagram showing an automatic withdrawal schedule statement in the method for prior notification of direct debit according to an embodiment of the present invention.

FIG. 6 is a diagram showing advance notice details and advance notice of direct debit in an advance notice method of direct debit according to an embodiment of the present invention.

FIG. 7 is a flowchart illustrating a method of prepaid debit payment according to an embodiment of the present invention.

FIG. 8 is a diagram showing a debit completion notification in the direct debit payment method according to one embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 101 Internet 102 Public communication network 103 Base station 111 Housing company server 112 Bank server 113 Information distribution company server 121 Telephone 122, 131 General-purpose computer 123 FAX 124 Mobile terminal 201 Central processing unit (CPU) 202 ROM 203 RAM 204 Bus 205 Communication device 206 Database 207 Input / output IF 261 Customer information database 262 Automatic debit statement list 263 Immediate debit statement list

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Masahiro Fukui 5-13-7-1002 Shinjuku, Shinjuku-ku, Tokyo

Claims (8)

[Claims] 1. A pre-debit notification method in which a settlement company notifies a user of an account debit of a storage company that stores payments from a user by account transfer to the user via an information distribution company. Receiving from the server of the storage company the automatic debit schedule summarizing the transfer request; storing the account transfer request in a first storage unit for each user; reading from the first storage unit Creating advance notice from the information related to the direct debit of the account transfer request and the terminal number of the user read from the second storage unit in which the attribute information of the user is stored; and the advance notice of a plurality of users. Sending a prior notice of debit summarizing to the server of the information distribution company. 2. A method of prepaid debit payment, wherein the settlement company receives a request for debit of the user in response to the advance notification according to claim 1, and the settlement company stores the payment in the storage company. A step of receiving a confirmation notification statement in which one or more advance withdrawal requests are summarized from a server of the information distribution company; and storing the advance withdrawal request in a third storage unit for each user. Performing an account debit process based on the advance debit request read from the third storage unit; and transmitting a processing result of the processing step to a server of the storage company and a server of the information distribution company. Performing a direct debit payment method. 3. A prior debit notification device of a settlement company which notifies a user of a debit of a storage company that stores payments from the user by account transfer to the user via an information distribution company, wherein one or more account transfers are performed. Means for receiving, from the server of the storage company, the automatic debit schedule summarizing the bills; first storage means for storing the account transfer request for each user; and the account transfer read from the first storage means Means for creating advance notices from the information relating to the direct debit of the claim and the terminal number of the user read from the second storage means in which the attribute information of the user is stored; and an account summarizing the advance notices of a plurality of users Means for sending an advance debit notification to a server of the information distribution company. 4. The pre-payment device of the settlement company which receives a request for debit of the user in response to the advance notification according to claim 1, and stores the payment in the storage company. Means for receiving, from the server of the information distribution company, a confirmation notification statement in which one or a plurality of advance withdrawal requests are summarized; third storage means for storing the advance withdrawal request for each user; Means for performing an account debit process based on the advance debit request read from the storage means, and means for transmitting the processing result of the processing means to the server of the storage company and the server of the information distribution company. A direct debit payment device comprising: 5. A record for recording a program for controlling a settlement company prior debit notification device for notifying a user of an account debit of a storage company that stores payments from a user by account transfer to the user via an information distribution company. Receiving, from a server of the storage company, an automatic debit schedule in which one or a plurality of account transfer requests are collected; and storing the account transfer request in a first storage unit for each user. Creating an advance notice from the information relating to the direct debit of the account transfer request read from the first storage unit and the terminal number of the user read from the second storage unit in which the attribute information of the user is stored. Sending a pre-debit notice summarizing the pre-notifications of a plurality of users to the server of the information distribution company. Computer readable recording medium recording the order of the program. 6. In response to the advance notice according to claim 5, receiving the user's request for account debit, the payment debit payment prepaid device of the settlement company that stores the payment in the storage company. A recording medium recording a program to be controlled, wherein a step of receiving a confirmation notification statement in which one or a plurality of advance withdrawal requests are summarized from the information distribution company; Storing in a storage unit; performing a debit process based on the advance debit request read from the third storage unit; and transmitting the processing result of the processing step to the storage company and the information distribution. A computer-readable recording medium on which a program for causing a computer to execute the steps of sending to a company is recorded. 7. A program for controlling a settlement company prior debit notification device for notifying a user of an account debit of a storage company that stores a price from a user by account transfer to the user via an information distribution company, Receiving from the server of the storage company an automatic debit schedule summarizing one or a plurality of account transfer requests; storing the account transfer requests in a first storage unit for each user; Creating advance notice from the information regarding the direct debit of the account transfer request read from the storage unit of the user and the terminal number of the user read from the second storage unit in which the attribute information of the user is stored; Sending a prior notice of direct debit summarizing the prior notice to a server of the information distribution company. . 8. In response to the advance notice according to claim 5, receiving the user's account debit request, the payment company's account debit payment prepaid device that stores the payment in the storage company. A program for controlling, comprising: receiving a confirmation notification statement in which one or a plurality of advance withdrawal requests are summarized from the information distribution company; and storing the advance withdrawal request in a third storage unit for each user. Performing the account debit processing based on the advance debit request read from the third storage unit; and transmitting the processing result of the processing step to the storage company and the information distribution company. A program for causing a computer to execute the steps.