JP2002318974A - Billing and settlement business agency method and accounting agency server - Google Patents

Abstract

(57) [Summary] [Problem] To reduce the load on a content creator by causing a service provider to perform a service providing agency service to a user of a service provided to the user and a billing / settlement business for the service by the agency. And a server for a billing agent. SOLUTION: An xSP7 provides a service to a user terminal 11 in place of a CP5, requests a billing process to a billing PF9, and the billing PF9 performs the billing process, bills a service fee, and a server for a billing agency. 1, the xSP7 requests a service providing agency fee for the CP5, the payment process is requested to the payment agent server 3, and the charging PF9 requests a charging agent fee for the xSP7, and executes the payment process. Request is made to the trader server 3, and the payment agency server performs each payment process.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a billing / payment service proxy method and a server for a billing proxy service in which a proxy service provider performs a charging service and a payment service for a service provided by a service provider to a user. The service providing agent uses the service providing agent server on behalf of the service provider, and requests the server for the service providing service provided to the user terminal via the network from the server for the service providing agent to perform the charging operation. The trader server performs the billing process for the service, bills the user for the service, and the payment process for the bill is requested to the payment agency server. Billing and settlement business on behalf of the settlement process based on the bill Law and to a billing agency for the server.

[0002]

2. Description of the Related Art A billing and settlement agency business is a process in which a billing and settlement business for a service provided by a service provider to a user is performed by the agency on behalf of the service provider.
The service fee is collected from the user and the commission for the billing and settlement business is collected from the service provider. In such a conventional billing and settlement business, the service provider performs the billing business, The only thing they could do was settle the payment business.

[0003] In addition to the original research and development of service providers to create or devise contents and services to be provided to users, service providers have conventionally created contents and services created or devised by the service providers themselves. It was necessary to provide or sell to the user by himself, and for the service provider, measures such as securing the user, providing the service to the user, or building a sales channel or means were necessary.

[0004]

Conventionally, in a charging and settlement business for a service provided by a service provider to a user, since the service provider can only perform a charging business and substitute the payment business, There is a problem that the processing increases.

[0005] Further, in the conventional billing and settlement business acting method,
In the past, service providers had to provide or sell their own content or services created or devised by the service providers themselves. Because of the necessity of measures such as the construction of distribution or sales channels or means, service providers increase the number of unfamiliar processes other than the service provider's original research and development of creating or devising contents and services. There's a problem.

[0006] The present invention has been made in view of the above,
The purpose of the billing is to reduce the load on the service provider by substituting the service provider for the service of the service provided to the user by the service provider to the user and the billing / settlement business for the service. It is an object of the present invention to provide a settlement business agency method and a server for a billing agency.

[0007]

In order to achieve the above object, the present invention according to claim 1 provides a billing / payment service agency in which a billing business and a billing business for a service provided by a service provider to a user are performed by a agency. The method
The service providing agent server provides the service to the user terminal via the network on behalf of the service provider, requests the charging service server for the service provided by the provided service provider, and performs the charging agent service. The agency server performs a billing process for the service on behalf of the service, creates billing data for billing the user for the service fee, and a settlement process for the billing data is requested by the settlement agency server to provide the service. The agency server or the billing agency server creates billing data for billing the service provider for the service provider commission of the service provider to the service provider, and the settlement processing based on the billing data is performed by the settlement agency. Server for the billing agent, the server for the billing agent Create billing data for billing the service providing agency for the billing agency fee of the billing agency server for the agency, and perform a settlement process based on the billing data to the settlement agency server, and the settlement agency server The gist is that a payment process based on the billing data is performed on behalf of the payment processing request.

According to the first aspect of the present invention, a service providing agent server provides a service to a user terminal on behalf of a service provider, and performs a charging process for the service of the service provider for the charging agent. Request to the server, the server for the accounting agent performs the accounting process,
To create billing data for billing the user for the service, the service providing agent server or the billing agent server charges the service provider a service providing agent commission for the service provider. The billing agent server prepares billing data for billing the service providing agency for the billing agency fee for the service providing agency, and the settlement agency server creates the billing data. In order to perform payment processing based on data, service providers do not need to perform billing processing and payment processing as in the past, but also to secure users, provide services to users or build sales channels or means, etc. You can concentrate on your original research and development without having to perform unfamiliar tasks. In addition, flexibility can be given to a method of performing a billing operation and a settlement operation.

According to the present invention, the service provider substitutes for the service provider using the service provider server and charges the service provided by the service provider to the user terminal via the network. By requesting the processing to the server for the charging agent, the server for the charging agent performs the charging process for the service and charges the user for the service, and the payment process for the request is performed by the server for the payment agent. The settlement agent server is a billing and settlement agency method for performing the settlement processing based on the bill in response to the settlement processing request, and the service providing agent server is provided by using the accounting agent server. Manages the service provider independently and the service provider manages the user independently, The service providing agent server transmits the accounting data of the service provider provided to the user terminal to the accounting agent server to request accounting processing, and the accounting agent server performs accounting processing in response to the request. The user creates billing data for billing the user for the service fee, and the payment processing based on the billing data is requested to the payment agent server, and the payment agent server receives the payment from the user based on the request. Executes a settlement process based on the billing data for paying the service provider, and the server for service provider or the server for charging agent performs a service providing agent fee and a charging agent fee of the service providing agent for the service provider. Create billing data for billing the service provider, and the payment process based on the billing data Requested by the payment agent server, the payment agent server executes the payment processing based on the billing data for paying the service provider the payment from the service provider based on the request, and the charging agent server Creates billing data for billing the service providing agency for the billing agency fee for the service providing agency to the service providing agency, and performing a payment process based on the billing data to the payment agency server, The gist is that the trader server executes a settlement process based on the billing data for paying a payment from the service providing trader to the billing trader based on the request.

According to the second aspect of the present invention, the service providing agent manages the service provider independently, and the service provider manages the user independently. Requests the charging agent server to perform a charging process for the charging data of the service provider provided to the user terminal, and the charging agent server performs the charging process, and billing data for charging the user for the service fee. The payment agent server executes a payment process based on billing data for paying the user's payment to the service provider, and the service provider agent server or the billing agent server provides a service to the service provider. Request to charge the service provider for the service provider commission and billing agency fee of the provider The payment agent server performs payment processing based on billing data for paying the payment from the service provider to the service provider, and the billing agent server performs billing for the service provider. The billing data for billing the service providing agent for the billing agency fee of the server for the company is created, and the server for the settlement agency is a payment process based on the billing data for paying the deposit from the service providing agent to the billing agent. Execute

Further, according to the present invention, the service provider substitutes for the service provider and uses the service provider server, and charges for the service of the service provider provided to the user terminal via the network. By requesting the processing to the server for the charging agent, the server for the charging agent performs the charging process for the service and charges the user for the service, and the payment process for the request is performed by the server for the payment agent. The settlement agent server is a billing and settlement business agency method for performing the settlement process based on the bill in response to the settlement processing request, and the service providing agency is provided by using the accounting agency server. Server manages users and service providers independently, and the server for the service provider For the charging agent, charge data including the service charge of the service provider provided to the user terminal and the service providing agent fee of the service providing agent for the user or charging data including the service charge of the service provider provided to the user terminal is provided. A request is sent to the server for billing processing, the billing agent server performs billing processing in response to the request, creates billing data for billing the user based on the billing processing, and creates a billing data based on the billing data. The settlement processing is requested by the settlement agent server, and the settlement agent server deposits the service fee from the user to the service provider based on the request, and deposits the service provision agent fee from the user to the service agent. Service fee from the user based on the billing data or the request for the service Executing the settlement processing based on the billing data for payment provided skill,
The server for the service providing agent or the server for the billing agent creates billing data for billing the service provider for the service providing agency fee and the billing agency fee of the service providing agency for the service provider, and based on the billing data. The payment processing is requested by the payment agent server, and the payment agent server executes the payment processing based on the billing data for paying the service provider the payment from the service provider based on the request, and performs the charging agent. The trader server creates billing data for billing the service provider for the billing agency fee to the service provider, and the payment processing based on the billing data is requested by the server for payment, The agent server imposes a deposit from the service providing agent based on the request. And gist performing said settlement processing based on the billing data for pay agency.

According to the third aspect of the present invention, the service providing agent manages the user and the service provider independently, and the server for the service providing agent is a service provider provided to the user terminal. Requesting the accounting agent server to perform accounting processing of accounting data including the service fee of the service provider and the service provider agency fee of the service provider to the user or the accounting data including the service provider service fee provided to the user terminal; The billing agent server performs billing processing, creates billing data for billing the user, and the settlement agent server deposits the service fee from the user into the service provider, and provides the service providing fee from the user. Data or service from the user to credit the service provider The payment processing based on the billing data for depositing the money into the service provider is executed, and the server for the service provider or the server for the billing agency performs the service providing agency fee and the billing agency fee of the service provider to the service provider. The billing agent server creates billing data for billing the service provider, and the settlement agent server executes settlement processing based on the billing data for paying the payment from the service provider to the service providing agent, for the billing agent. The server prepares billing data for billing the service provider for the billing agency fee for the service provider, and the settlement agency server pays the deposit from the service provider to the billing agency. Execute the settlement process based on the billing data of

According to a fourth aspect of the present invention, a service providing agent uses a service providing agent server in place of a service provider, and performs a charging process for a service provided by a service provider to a user terminal via a network. By requesting the server for the billing agent, the server for the billing agent performs the billing process for the service, bills the user for the service, and requests the server for the billing for the billing process for the bill. The settlement agent server is a billing and settlement business acting method for performing the settlement processing based on the request in response to the settlement processing request. And service providers are managed independently, and service provider agents collect fees from users. Service agent on behalf of the service provider, the service provider agent server is a server for the billing data or service data including the service provider's service charge provided to the user terminal and the service provider agent's service providing agent fee for the user. The accounting data including the service fee of the service provider provided to the terminal is transmitted to the accounting agent server to request an accounting process, and the accounting agent server performs the accounting process according to the request,
Creates billing data for making a bill to the user based on the billing process, and performs a billing process based on the billing data to a server for a billing agent, and the server for the billing agency requests a service fee from the user based on the request. And a settlement process based on the billing data for depositing a service fee from a user on the basis of the request or the request data for depositing the service providing agency fee into the service providing agency. The server for the service providing agent creates billing data of a difference obtained by subtracting the service providing fee of the service providing agent for the service provider from the received service fee, and the payment processing based on the billing data is performed by the payment agent. Request to the payment server, and the payment agent server A settlement process is performed based on the billing data for depositing into the provider, and the billing agency server creates billing data for billing the service provider for the billing agency fee for the service provider. The settlement process based on the billing data is requested by the settlement agency server, and the settlement agency server sends the payment data from the service providing agency to the billing agency server based on the request. The gist of the present invention is to execute a settlement process based on this.

According to the present invention, the service providing agent manages the user and the service provider independently, and the service providing agent performs fee collection from the user on behalf of the service provider. In some cases, the service providing agent server is provided with charging data including a service fee of the service provider provided to the user terminal and a service providing agent fee of the service providing agent for the user or a service provider provided to the user terminal. Request the server for the billing agent to perform the billing process for the billing data including the service fee, the billing agent server performs the billing process, creates billing data for the user,
The settlement agent server is based on billing data for depositing the service charge and service providing fee from the user to the service providing agent or billing data for depositing the service fee from the user into the service providing agent server. Execute the settlement process, the service providing agent server creates billing data of the difference obtained by subtracting the service providing agent commission of the service providing agent for the service provider from the received service charge, and the settlement agent server Executes the settlement process based on the billing data for depositing to the service provider, and the billing agent server creates billing data for billing the service providing agent for the billing agent fee for the service providing agent. And the payment agent server is a service provider To execute the settlement process based on the billing data to pay a deposit of Luo billing agency for the server.

According to a fifth aspect of the present invention, a service provider substitutes for a service provider and uses a service provider server for the service provider instead of the service provider, and charges a service provided by the service provider to the user terminal via a network. By requesting the processing to the server for the charging agent, the server for the charging agent performs the charging process for the service and charges the user for the service, and the payment process for the request is performed by the server for the payment agent. The settlement agent server is a billing and settlement agency method for performing the settlement processing based on the bill in response to the settlement processing request, and the service providing agent server is provided by using the accounting agent server. Manages users independently, and the billing agent manages service providers independently. The service providing agent server includes billing data including a service provider service fee provided to the user terminal and a service providing agent service providing fee for the user or a service provider service fee provided to the user terminal. Send billing data to the billing agent server and request billing processing,
The billing agent server performs billing processing in response to the request, creates billing data for billing the user based on the billing processing, and the payment processing based on the billing data is requested by the billing agency server. The settlement agent server deposits the service fee from the user to the service provider based on the request, and the user based on the billing data or the request for depositing the service agent fee from the user to the service agent. A payment process based on the billing data for depositing the service fee from the service provider into the service provider, and the server for the service provider or the server for the billing agent performs a service providing agent fee for the service provider to the service provider. Create billing data for billing service providers for billing fees A settlement process based on the billing data is requested to a settlement agency server, and the settlement agency server is based on the billing data for paying a deposit from the service provider to the service agency based on the request. And the billing agent server creates billing data for billing the service provider for the billing agency fee of the billing agent for the service provider,
The settlement process based on the billing data is requested by the settlement agency server, and the settlement agency server executes the settlement process based on the billing data for paying the deposit from the service provider to the accounting agency based on the request. The billing agent server creates billing data for billing the service providing agent for the billing agency fee of the billing agent to the service providing agent. The gist of the request is that the settlement agent server executes a settlement process based on the billing data for paying a payment from the service providing agent to the charging agent based on the request.

According to the fifth aspect of the present invention, the service providing agent manages the user independently, and the charging agent manages the service provider independently. Performs charging processing of charging data including a service charge of a service provider provided to the user terminal and a service providing agent commission of the service providing agent to the user or charging data including a charge of a service of the service provider provided to the user terminal. Request the server for the charging agent, the server for the charging agent performs the charging process, creates the billing data to the user, the server for the payment agent transfers the service fee from the user to the service provider, and From the billing data or the user to deposit the service providing agency fee to the service providing agency The service fee to perform the settlement processing based on the billing data for payment to the service provider,
The server for the service providing agent or the server for the charging agent creates billing data for charging the service provider for the service providing agent fee and the charging agent fee of the service providing agent for the service provider, and the server for the settlement agent. Executes a payment process based on billing data for paying the payment from the service provider to the service providing agent, and the charging agent server charges the service agent a charging agent fee for the service agent to the service provider. The billing agent server performs payment processing based on the billing data for paying the charge from the service provider to the billing agency, and the billing agent server bills the service provider. Invoice the service provider for the billing agency fee of the agency Create a billing data for, the settlement agency for the server performs a settlement process based on the billing data to pay a deposit from the service providing agency to the billing agency.

Further, according to the present invention, the service providing agent uses the service providing agent server instead of the service provider and charges the service provided by the service provider to the user terminal via the network. By asking the server for the billing agent to perform the processing, the server for the billing agent performs the billing process for the service and charges the user for the service, and the settlement process for the bill is performed by the server for the billing agent. The settlement agent server is a billing and settlement business agency method for performing the settlement process based on the bill in response to the settlement processing request, and the service providing agency is provided by using the accounting agency server. Manages the service provider independently and the billing agent manages the user independently. Server for the service provider provided to the user terminal, charging data including a service providing agent fee for the service providing agent for the user, and a charging agent fee for the charging agent for the user. Charge data including the service charge of the provided service provider and the service providing agency fee of the service providing agent for the user or the charging agency fee of the charging agent for the user, or the service provider service fee provided to the user terminal. The accounting data including the accounting data is transmitted to the accounting agent server to request accounting processing, and the accounting agent server performs accounting processing in response to the request, and generates billing data for performing accounting based on the accounting processing to the user. Payment processing based on the billing data. Requested by the server for the trader, the server for the settlement agency deposits the service fee, the service provision agency fee, and the billing agency fee from the user to the service provider, the service provider, and the billing agency based on the request. The billing data, or the billing data for depositing the service fee from the user and the service providing agency fee or the billing agency fee to the service provider and the service providing agency or the billing agency, respectively. Executes payment processing based on billing data to be charged to the service provider, and the service providing agent server or the charging agent server provides the service providing agent's service providing agent fee and the charging agent fee to the service provider. Offer Creates billing data for billing a trader, and performs a payment process based on the billing data to a server for a payment agent, and the server for the payment agent, based on the request, provides a service providing agent fee and billing from a service provider. A payment process is performed based on the billing data for paying the payment of the agency fee to the server for the service providing agent, and the server for the accounting agent performs the accounting agent fee of the agent for the service providing agent to the agent for the service providing agent. The billing data for billing is created, and the settlement processing based on the billing data is requested to the settlement agent server, and the settlement agent server pays the deposit from the service providing agent to the charging agent based on the request. And executing a settlement process based on the billing data for the request.

According to the sixth aspect of the present invention, the service providing agent manages the service provider independently, and the charging agent manages the user independently. Is the charge of the service of the service provider provided to the user terminal, the billing data including the service provision agency fee of the service provider to the user and the billing agency fee of the billing agency to the user, or the charge of the service provider provided to the user terminal. Accounting processing of charging data including a service charge and a service providing agent fee of a service providing agent for a user or a charging agent charge of a charging agent for a user, or charging data including a service charge of a service provider provided to a user terminal. To the server for the charging agent, Suppliers of server performs the billing process, to create the billing data to the user, the settlement agency for the server service fee from the user, the service provider agency fees,
And billing data for depositing the billing agency fee into the service provider, the service provider, and the billing agency, respectively, or the service provider and the service providing agency fee or the billing agency fee from the user, respectively. Executes payment processing based on billing data for depositing to the agency or billing agency or billing data for depositing the service fee from the user to the service provider, and for the server for service agency or for billing agency. The server creates billing data for billing the service provider for the service providing agency fee and the billing agency fee of the service providing agency to the service provider, and receives the service provider agency fee and the billing agency fee from the service provider. Sir A payment process based on billing data for paying the service providing agent server, and the billing agent server charges the service providing agent a billing agent fee for the service providing agent to the service providing agent. And the payment agent server executes a payment process based on the billing data for paying the payment from the service providing agent to the charging agent.

According to a seventh aspect of the present invention, the service providing agent uses the service providing agent server instead of the service provider, and performs a charging process for the service of the service provider provided to the user terminal via the network. By requesting the server for the billing agent, the server for the billing agent performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the server for the billing agency. The settlement agent server is a billing and settlement business acting method for performing the settlement processing based on the request in response to the settlement processing request, and the service providing agency uses the billing agent server to provide the service. Providers are managed independently, billing agents manage users independently, and billing agents In the case of collecting the fee, the service providing agent server provides a service charge of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent of the charging agent for the user. Billing data including a fee, or billing data including a service fee of a service provider provided to a user terminal and a service providing agency fee of a service providing agency for a user or a billing agency fee of a billing agent for a user,
Alternatively, billing data including the service fee of the service provider provided to the user terminal is transmitted to the billing agent server to request a billing process, and the billing agent server performs the billing process in response to the request. Create billing data for performing a billing process based on the billing process to the user, and perform a payment process based on the billing data to a payment agent server,
The server for settlement agent is the billing data for depositing the service fee from the user, the service providing agent fee, and the billing agent fee into the server for the billing agent based on the request, or the service fee and service providing agent from the user. Executing a payment process based on the billing data for depositing a commission or a billing agency fee into the billing agency server or a billing data for depositing a service fee from a user into the billing agency server; The trader server creates billing data of a difference obtained by subtracting the service providing fee of the service providing agency for the service provider and the billing agency fee of the billing agency for the service provider from the service fee, and performing settlement based on the billing data. Processing is requested by the payment agent server The payment agent server performs a payment process based on the billing data for depositing the service provider based on the request, and the charging agent server performs a service providing agent fee of the service providing agent server for the user. Creates billing data of a difference obtained by subtracting the billing agency fee of the billing agency server for the service provider from the sum of the service agency fee of the service provider agency server for the service provider, and making a payment based on the billing data. The process is requested by the settlement agent server, and the settlement agent server executes the settlement process based on the billing data for depositing the service providing agent on the basis of the request.

According to the present invention, the service providing agent manages the service provider independently, the charging agent manages the user independently, and the charging agent collects the fee from the user. In the case of the agency, the service provider agency server includes a service fee of the service provider provided to the user terminal, a service provider commission of the service provider for the user, and a charging agency fee of the charging agency for the user. Billing data,
Or charging data including a service charge of the service provider provided to the user terminal and a service providing agent fee of the service providing agent for the user or a charging agent fee of the charging agent for the user; The server for the billing agent is requested to perform a billing process for the billing data including the service fee, the server for the billing agency performs the billing process, creates billing data for the user, and the server for the billing agency provides the service from the user. To charge billing data for depositing the fee, service providing agency fee, and billing agency fee into the billing agency server, or to deposit the service fee from the user and the service providing agency fee or billing agency fee into the billing agency server. Billing data or services from users A payment process is performed based on the billing data for depositing the fee into the server for the charging agent, and the server for the charging agent charges the service provider for the service provider and charges the service provider from the service fee based on the service fee. The billing data of the difference obtained by subtracting the billing agency fee of the agency is created, the settlement agency server executes the settlement processing based on the billing data for depositing the service provider, and the accounting agency server provides the service to the user. Claiming the difference between the sum of the service providing agent fee of the service providing agent server and the service providing agent fee of the service providing agent server for the service provider minus the charging agent fee of the charging agent server for the service providing agent. Create data and settle payment agent server To execute the settlement process based on the billing data for payment to the service provider agency.

According to the present invention, the service provider substitutes for the service provider using the service provider server and charges the service provided by the service provider to the user terminal via the network. By asking the server for the billing agent to perform the processing, the server for the billing agent performs the billing process for the service and charges the user for the service, and the settlement process for the bill is performed by the server for the billing agent. The settlement agent server is a billing and settlement business agency method for performing the settlement process based on the bill in response to the settlement processing request, and the service providing agency is provided by using the accounting agency server. Manages service providers independently, billing agents manage users independently,
In the case where the charging agent and the service providing agent collect charges from the user, the server for the service providing agent provides the service fee of the service provider provided to the user terminal and the service of the service providing agent for the user. Charging data including a service agent fee and a service agent fee for a user, or a service provider service fee provided to a user terminal and a service service agent fee for a user or a service agent for a user. Is transmitted to the server for the billing agent, and billing data including the fee for the service of the service provider provided to the user terminal is sent to the server for the billing agent. The accounting process is performed according to Creates billing data for making a bill to a user based on the billing data, and performs a payment process based on the billing data to a server for a payment agency, and the server for the payment agency provides a service fee and service provision from the user based on the request. The billing data for depositing the agency fee and the billing agency fee to the billing agency, or the billing data for depositing the service fee from the user and the service providing agency fee or the billing agency fee to the billing agency, or from the user. A payment process based on the billing data for depositing the service fee of the service agent to the charging agent, and the server for the charging agent performs the service fee of the service providing agent for the user and the service provider. Charging agency for service provider from Wa Creates billing data of the difference obtained by subtracting the billing agency fee of the payment server, and performs a payment process based on the billing data to the payment agency server, and the payment agency server deposits the service providing agency based on the request. The service providing agent server executes a settlement process based on the billing data for the service provider, and the service providing agent server charges the service providing agent to the service provider based on the received amount and charges the service agent for the service agent. A billing data of the difference obtained by subtracting the agency fee is created, and a settlement process based on the billing data is requested to a server for the settlement agency, and the server for the settlement agency issues the bill for depositing to the service provider based on the request. The gist is to execute settlement processing based on the data.

According to the present invention, the service providing agent manages the service provider independently, the charging agent manages the user independently, and the charging agent and the service providing agent manage the user independently. Service collection agency server, the service providing agent server is a service provider service fee provided to the user terminal, a service providing agent service providing agent fee for the user, and a user charging agent agent. Charging data including a charging agent fee of the service provider provided to the user terminal and charging data including a service providing agent fee of the service providing agent for the user or a charging agent fee of the charging agent for the user, or The service of the service provider provided to the user terminal Request the server for the billing agent to perform the billing process for the billing data including the fee of the user, the server for the billing agent performs the billing process, creates the billing data to the user, and the server for the billing agency provides the service fee from the user. Billing data for depositing a service providing agency fee and a billing agency fee into a billing agency, or billing data for depositing a service fee from a user and a service providing agency fee or a billing agency fee into a billing agency, or a user Executes payment processing based on billing data for depositing the service fee from the service provider from the service provider, and the server for the service provider performs the sum of the service fee and the service providing agency fee of the service providing agency for the user and the service provider. Section of server for billing agent for service provider The billing data of the difference obtained by subtracting the agency fee is created, the settlement agency server performs settlement processing based on the billing data for depositing the service providing agency, and the service providing agency server calculates the difference from the received difference. A billing data of a difference obtained by subtracting the service providing agency fee of the service providing agency for the service provider and the charging agency fee of the charging agency for the service provider is created, and the server for the payment agency provides the service provider with a charge for depositing the service provider. Execute settlement processing based on the billing data.

According to a ninth aspect of the present invention, the service provider substitutes for the service provider and uses the service provider server, and charges the service of the service provider provided to the user terminal via the network. By asking the server for the billing agent to perform the processing, the server for the billing agent performs the billing process for the service and charges the user for the service, and the settlement process for the bill is performed by the server for the billing agent. The payment agent server is a method for performing a payment processing on behalf of the payment processing request on behalf of the request by the payment agent server. In the case where the user and the service provider are managed independently, the server for the service provider is the user Charging data including the service fee of the service provider provided at the end of the service, the service providing agent fee of the service providing agent to the user, and the charging agent fee of the charging agent to the user, or the service provider service provided to the user terminal. Charge data including the fee and the service providing agency fee of the service providing agency for the user or the charging agency fee of the charging agency for the user, or the charging data including the service fee of the service provider provided to the user terminal. A request is sent to the server for billing processing, the billing agent server performs billing processing in response to the request, creates billing data for billing the user based on the billing processing, and creates a billing data based on the billing data. Payment processing is requested from the payment agent server, and payment The server for the trader receives the service charge from the user based on the bill, the service provision agency fee, and the billing agency fee, respectively, into the service provider, the service provider, and the billing data for depositing the billing agency, or from the user. Billing data for depositing the service fee and the service providing agency fee or the billing agency fee of the service provider and the service providing agency or the billing agency respectively, or a bill for depositing the service fee from the user to the service provider. A billing data for executing a settlement process based on the data, and for charging the service provider with a service providing agency fee and a billing agency fee of the service providing agency for the service provider. To The payment processing based on the billing data is requested by the payment agent server, and the payment agent server receives the service providing agent fee and the charging agent fee from the service provider based on the request. A billing agent server for executing a settlement process based on the billing data for paying the agent and the billing agent, and charging the billing agent fee for the service agent to the service providing agent server. The billing data is created, and the settlement processing based on the billing data is requested to the settlement agent server, and the settlement agent server is configured to pay the deposit from the service providing agent server to the accounting agent based on the request. The gist of the invention is to execute a settlement process based on the billing data.

According to the ninth aspect of the present invention, the billing agent manages the user and the service provider independently, and the server for the service agent stores the service provider provided to the user terminal. Service fees,
Billing data including the service providing agency fee of the service providing agency for the user and the accounting agency fee of the charging agency for the user, or the fee of the service of the service provider provided to the user terminal and the service providing agency of the service providing agent for the user Requests the accounting agent server to perform accounting processing of the accounting data including the commission or the accounting agency fee of the accounting agency for the user, or the accounting data including the service fee of the service provider provided to the user terminal. The server performs a billing process and creates billing data for the user, and the settlement agency server assigns the service fee, the service providing agency fee, and the billing agency fee from the user based on the bill to the service provider, the service providing agency, respectively. ,
And the billing data for depositing the billing agent,
Or billing data for depositing the service fee from the user and the service providing agency fee or the billing agency fee to the service provider and the service providing agency or the billing agency respectively, or depositing the service fee from the user into the service provider. To execute the settlement process based on the billing data for the service provider and the server for the service provider or the server for the billing agency to charge the service provider the service providing agency fee and the billing agency fee of the service providing agency to the service provider. And the settlement agent server is based on the billing data for paying the service providing agent fee and the billing agent fee from the service provider to the service providing agent and the billing agent respectively based on the request. Settlement office And the billing agent server creates billing data for billing the service providing agent server for the billing agency fee for the service providing agent, and the settlement agent server creates the service providing agent server. The settlement processing based on the billing data for paying the deposit from the server for the billing agent is executed.

According to a tenth aspect of the present invention, a service providing agent uses a service providing agent server in place of a service provider, and performs a charging process for a service provided by a service provider to a user terminal via a network. By requesting the server for the billing agent, the server for the billing agent performs the billing process for the service, bills the user for the service, and requests the server for the billing for the billing process for the bill. The settlement agent server is a billing settlement business acting method for performing the settlement processing based on the bill in response to the settlement processing request. In this case, the service provider is managed independently, and the billing agent collects the fee from the user. The server for the service providing agent is a server for the service provider provided to the user terminal, a fee for the service providing agent for the user, a service providing agent fee for the user, and charging data including a charging agent fee for the charging agent for the user, or the user. Charge data including the service charge of the service provider provided to the terminal and the service providing agent fee of the service providing agent for the user or the charging agent fee of the charging agent for the user, or the service provider service provided to the user terminal. The billing data including the fee is transmitted to the billing agent server to request a billing process. The billing agent server performs the billing process in response to the request, and bills the user based on the billing process. Data, and a payment processing based on the billing data. Is requested to the server for the payment agent, the server for the payment agent, the billing data for depositing the service fee from the user, the service providing agent fee, and the charging agent fee to the server for the charging agent based on the request, Or the billing data for depositing the service fee from the user and the service providing agency fee or the billing agency fee into the server for the billing agency, or the billing data for depositing the service fee from the user into the server for the billing agency. The settlement agent server executes a settlement process based on the service fee, and the server for the accounting agent performs a billing data of a difference obtained by subtracting a service providing agent fee of the service providing agent for the service provider and a charging agent fee of the accounting agent for the service provider from the service fee. And settle the payment processing based on the billing data. Payment is requested to the payment agent server, the payment agent server executes a payment process based on the billing data for depositing the service provider based on the request, and the charging agent server performs a service for the user. Claiming the difference between the sum of the service providing agent fee of the service providing agent server and the service providing agent fee of the service providing agent server for the service provider minus the charging agent fee of the charging agent server for the service providing agent. The data is created, and the settlement process based on the billing data is requested to the settlement agency server, and the settlement agency server executes the settlement process based on the billing data for depositing the service providing agency based on the request. The point is to do.

According to the tenth aspect of the present invention, in the case where the charging agent independently manages the user and the service provider and the charging agent collects the fee from the user, The service provider server provides the user terminal with a charge for the service provided by the service provider, a service provider service fee for the user, a service provider service fee for the user, and charging data including a service provider fee for the user. Charging data including the service provider's service charge and the service providing agent's service providing agent fee for the user or the charging agent's charging agent fee for the user, or charging including the service provider's service fee provided to the user terminal Send the data to the billing agent server Requesting payment processing, the billing agent server performs billing processing, creates billing data to the user, and the settlement agent server bills the service fee, service providing agency fee, and billing agency fee from the user. Billing data for depositing into the server for the trader, or billing data for depositing the service charge from the user and the service providing agency fee or the billing agency fee into the server for the billing agency, or the billing agency for the service fee from the user. The payment agent server executes settlement processing based on billing data for depositing money into the service server, and the charging agent server uses the service fee from the service fee to provide the service provider with the service providing agent and the charging agent for the service provider. Create billing data for the difference after subtracting the commission, and The server for the trader executes settlement processing based on billing data for depositing into the service provider, and the server for the billing agent is a service providing agent fee for the service providing agent server for the user and a service providing agent for the service provider. To create billing data of the difference between the sum of the service providing agency fee of the service server and the accounting agency fee of the charging agency server for the service providing agency, and settle the billing data for the server for the payment agency to the service providing agency. Execute the settlement process based on the billing data of

[0027] According to the present invention, the service provider substitutes for the service provider using the service provider server, and charges the service provided by the service provider to the user terminal via the network. By requesting the processing to the server for the charging agent, the server for the charging agent performs the charging process for the service and charges the user for the service, and the payment process for the request is performed by the server for the payment agent. The payment agent server is a method for performing a payment processing on behalf of the payment processing request on behalf of the request by the payment agent server. Manage users and service providers independently and ensure that billing and service providers are users The service provider agent server provides the service provider's service fee provided to the user terminal, the user's service provider agent's service provider agent fee, and the user's billing agent agent. Billing data including a billing agency fee, or billing data including a service provider's service fee provided to a user terminal and a service provider's service providing agency fee for a user or a billing agency's billing agency fee for a user, or a user The accounting data including the service charge of the service provider provided to the terminal is transmitted to the accounting agent server to request an accounting process, and the accounting agent server performs the accounting process according to the request, and performs the accounting process. Create billing data to make billing based on The settlement process based on the billing data is requested by the settlement agent server, and the settlement agent server deposits the service fee, the service providing agent fee, and the charging agent fee from the user to the charging agent based on the request. The billing data for charging a service fee and a service providing agency fee or a billing agency fee from a user to a billing agency, or the billing data for depositing a service fee from a user to a billing agency. The settlement server based on the billing data is executed, and the server for the billing agent is used as the server for the billing agent for the service providing agent based on the sum of the service fee, the service providing agent fee of the service providing agent for the user and the service provider. Billing fees and service providers Billing data of the difference obtained by subtracting the billing agency fee of the billing agency to be created, and a settlement process based on the billing data is requested to the server for the settlement agency, and the server for the settlement agency is a service providing agency based on the request. A settlement process based on the billing data for depositing money into the service provider, and the server for the service provider acts on the basis of the received difference to provide a service provider fee for the service provider to the service provider and a billing agency for the service provider. The billing data of the difference obtained by subtracting the billing agency fee is created, and the settlement processing based on the billing data is requested to the settlement agency server, and the settlement agency server is required to pay the service provider based on the request. The gist of the invention is to execute a settlement process based on the billing data.

According to the present invention, the billing agent manages the user and the service provider independently, and the billing agent and the service providing agent collect charges from the user. The server for the service providing agent, the service provider's service fee provided to the user terminal, the service providing agent's service providing agent fee for the user, and charging data including the user's charging agent's charging agent fee, or Billing data including the service provider's service charge provided to the user terminal and the service providing agent's service providing agent fee for the user or the charging agent's charging agent fee for the user, or the service provider's service provided to the user terminal Of billing data including fees Request to the server for the billing agent, the server for the billing agent performs the billing process, creates billing data to the user, and the server for the billing agent, the service fee from the user based on the request, the service providing agency. Billing data for depositing commissions and billing agency fees to billing agencies, or service data from users and billing data for depositing service providing agency fees or billing agency fees to billing agencies, or service fees from users Executes a settlement process based on the billing data for depositing the billing agent, and the server for the billing agent performs the service providing agent from the sum of the service fee and the service providing agent fee of the service providing agent to the user and the service provider. For the service provider The billing data of the difference obtained by subtracting the billing agency fee of the billing agency from the service provider is created, and the settlement agency server executes the settlement process based on the billing data for depositing the service provider, and provides the service agency. The trader server creates billing data of the difference obtained by subtracting the service provider fee of the service provider for the service provider and the billing proxy fee of the billing agency for the service provider from the received difference, and the server for the payment agency. Executes a settlement process based on billing data for depositing money into the service provider.

Further, the invention according to claim 12 is characterized in that, in the invention according to any one of claims 1 to 11, the settlement processing for the billing data is performed via a network.

According to the twelfth aspect of the present invention, the settlement processing for the billing data is performed via a network.

According to a thirteenth aspect of the present invention, in the invention according to any one of the first to eleventh aspects, the settlement processing for the billing data is performed using electronic money.

According to the thirteenth aspect of the present invention, the settlement processing for the billing data is performed using electronic money.

According to a fourteenth aspect of the present invention, the service provider substitutes the service provider for the charge of the service provided by the service provider to the user terminal using the service provider server instead of the service provider. A billing agent server for performing billing processing in response to a request for billing processing based on billing data of a service provided by a service provider provided to a user terminal, and billing data for billing a user for the service. And a means for creating billing data for billing the service providing agent for a charging agent fee of the charging agent for the service providing agent.

According to the fourteenth aspect of the present invention, the billing agent server performs the billing process in response to a billing request based on the billing data of the service provided by the service provider provided to the user terminal. Billing data for billing the user for the service fee, and billing data for billing the service providing agency for the billing agency fee of the billing agency for the service providing agency.

Further, according to the present invention, the service provider substitutes the service provider for the service provider's billing service for the service provided to the user terminal by using the service provider's server. A charging agent server, which includes charging data including a service charge of a service provider provided to the user terminal and a service providing agent commission of the service providing agent for the user, or a service charge of the service provider provided to the user terminal. Means for performing billing processing in response to a request for billing processing based on billing data, and generating billing data for making a billing based on the billing processing to a user; Create billing data for billing service provider And summarized in that and a stage.

According to the present invention as set forth in claim 15, the server for the billing agent includes a charge data including a service charge of the service provider provided to the user terminal and a service providing agent fee of the service provider to the user. Perform billing processing in response to a request for billing processing based on billing data including the service charge of the service provider provided to the user terminal, create billing data for the user,
Create billing data for billing the service providing agent for the charging agent's fee for the service providing agent.

According to a sixteenth aspect of the present invention, there is provided a billing agency for performing a billing service for a service of a service provider provided to a user terminal by a service provider on behalf of the service provider using the service provider server. A server for a trader, the billing data including a charge of a service of a service provider provided to a user terminal and a charge of a service of a service provider provided to a user, or a charge of a service of a service provider provided to a user terminal. Means for performing billing processing in response to a request for billing processing based on billing data, generating billing data for billing the user based on the billing processing, and providing a billing agency fee to the service provider A means for creating billing data for billing a merchant, And summarized in that a means for creating a billing data to charge a billing proxy fee billing agency for providing agency service providing agency.

[0038] According to the present invention, the server for the billing agent may include billing data including a service fee of the service provider provided to the user terminal and a service providing agency fee of the service provider to the user. Perform billing processing in response to a request for billing processing based on billing data including the service charge of the service provider provided to the user terminal, create billing data for the user,
Billing data for billing the service provider for the billing agency fee of the billing agency for the service provider, and billing data for billing the service agency for the billing agency fee of the billing agency for the service provider. Create

According to the present invention, the service provider substitutes the service provider for the billing service for the service of the service provider provided to the user terminal by using the service provider server instead of the service provider. A server for a charging agent, the charging data including a service charge of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent fee of the charging agent for the user, or Charge data including the service charge of the service provider provided to the terminal and the service providing agent fee of the service providing agent for the user or the charging agent fee of the charging agent for the user, or the service provider service provided to the user terminal. Charges including charges Means for performing billing processing in response to a request for billing processing based on the data, generating billing data for billing the user based on the billing processing, and providing a billing agency fee to the service providing agency. A means for creating billing data for billing the agent.

According to the seventeenth aspect of the present invention, the server for the billing agent is a service fee of the service provider provided to the user terminal, a service providing fee for the service providing agent for the user, and a charging agent for the user. Billing data including a billing agency fee of a service provider, or billing data including a service fee of a service provider provided to a user terminal and a service providing agency fee of a service providing agency for a user or a billing agency fee of a billing agency for a user, Alternatively, a billing process is performed according to a billing process request based on billing data including a service fee of a service provider provided to the user terminal, billing data is created for the user, and the billing agent bills the service provider. Agency fee commissioned to service provider To create a billing data for.

Further, according to the present invention, the service provider substitutes the service provider for the service provider's billing service provided to the user terminal by using the service provider's server instead of the service provider. A server for a charging agent, the charging data including a service charge of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent fee of the charging agent for the user, or Charge data including the service charge of the service provider provided to the terminal and the service providing agent fee of the service providing agent for the user or the charging agent fee of the charging agent for the user, or the service provider service provided to the user terminal. Charges including charges Means for performing billing processing in response to a request for billing processing based on data, and generating billing data for billing the user based on the billing processing, and providing the service of a service provider to the service provider from the service fee. Means for creating billing data of the difference obtained by subtracting the agency commission and the accounting agency fee of the accounting agency for the service provider, the service agency fee of the service provider for the user, and the service of the service agency for the service provider It is a gist of the present invention to have means for creating billing data of a difference obtained by subtracting a billing agency fee of a billing agency for a service providing agency from a sum of the providing agency fee.

According to the eighteenth aspect of the present invention, a service charge of a service provider provided to a user terminal,
Billing data including the service providing agency fee of the service providing agency for the user and the accounting agency fee of the charging agency for the user, or the fee of the service of the service provider provided to the user terminal and the service providing agency of the service providing agent for the user A charging process is performed in response to a request for a charging process based on a fee or charging data including a charging proxy fee of a charging agent to a user or a charging data including a service charge of a service provider provided to a user terminal. Create billing data, create billing data of the difference between the service charge and the service providing agency commission for the service provider and the billing agency fee for the billing agency for the service provider, and provide the service to the user. To create the billing data of the difference obtained by subtracting the billing agency commission of the accounting agency skilled in the art from the sum of the service providing agency services providing agency fees for service providing agency fees and service provider line of skill in the art to the service providing agency.

According to a nineteenth aspect of the present invention, there is provided a billing agency which performs a billing service for a service of a service provider provided to a user terminal by a service provider on behalf of a service provider using a server for the service provider. A server for the trader, the charge of the service of the service provider provided to the user terminal, the billing data including the service provision agency fee of the service provision agency for the user and the billing agency fee of the billing agency for the user, or the user terminal. Charge data including the service charge of the provided service provider and the service providing agency fee of the service providing agent for the user or the charging agency fee of the charging agent for the user, or the service provider service fee provided to the user terminal. Including billing data Means for performing billing processing in response to a request for billing processing, and generating billing data for billing the user based on the billing processing, and a charge for the service, a service provided by a service providing agent to a user and a service provider. A means for generating billing data of a difference obtained by subtracting a billing agency fee of a server for a billing agency for a service provider from a sum of a agency fee for a service provider and a billing agency fee of a billing agency for the service provider. I do.

According to the nineteenth aspect of the present invention, a service charge of a service provider provided to a user terminal,
Billing data including the service providing agency fee of the service providing agency for the user and the accounting agency fee of the charging agency for the user, or the fee of the service of the service provider provided to the user terminal and the service providing agency of the service providing agent for the user A charging process is performed in response to a request for a charging process based on a charging data including a fee or a charging proxy fee of a charging agent to a user or a charging data including a fee of a service of a service provider provided to a user terminal. Create billing data and calculate the service fee for the service provider and the service agent for the service provider and the service agent for the service provider based on the sum of the service fee and the service service agency fee of the service provider for the user and the service provider. To create a difference obtained by subtracting the billing agency commission of billing data.

According to a twentieth aspect of the present invention, the service provider substitutes the service provider for the service provider's billing service for the service provided to the user terminal by using the service provider server. A server for a charging agent, the charging data including a service charge of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent fee of the charging agent for the user, or Charge data including the service charge of the service provider provided to the terminal and the service providing agent fee of the service providing agent for the user or the charging agent fee of the charging agent for the user, or the service provider service provided to the user terminal. Charges including charges Means for performing billing processing in response to a request for billing processing based on the data, generating billing data for billing the user based on the billing processing, and providing a billing agency fee to the service providing agency. Means for creating billing data for billing the agency server.

According to the twentieth aspect of the present invention, a service charge of a service provider provided to a user terminal,
Billing data including the service providing agency fee of the service providing agency for the user and the billing agency fee of the charging agency for the user, or the service fee of the service provider provided to the user terminal and the service providing agency for the user A charging process is performed in response to a request for a charging process based on a charging data including a fee or a charging proxy fee of a charging agent to a user or a charging data including a fee of a service of a service provider provided to a user terminal. The billing data is created, and billing data for billing the server for the service providing agent to the charging agent fee of the charging agent for the service providing agent is created.

Further, according to the present invention, the service provider substitutes for the service provider and performs the billing service for the service of the service provider provided to the user terminal by using the service provider server for the service provider instead of the service provider. A server for a charging agent, the charging data including a service charge of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent fee of the charging agent for the user, or Charge data including the service charge of the service provider provided to the terminal and the service providing agent fee of the service providing agent for the user or the charging agent fee of the charging agent for the user, or the service provider service provided to the user terminal. Charges including charges Means for performing billing processing in response to a request for billing processing based on data, and generating billing data for billing the user based on the billing processing, and providing the service of a service provider to the service provider from the service fee. Means for creating billing data of the difference obtained by subtracting the agency commission and the accounting agency fee of the accounting agency for the service provider, the service agency fee of the service provider for the user, and the service of the service agency for the service provider Means is provided for generating billing data of a difference obtained by subtracting a billing agency fee of the billing agency server for the service providing agency from the sum of the providing agency fee.

According to the present invention described in claim 21, a service charge of a service provider provided to a user terminal,
Billing data including the service providing agency fee of the service providing agency for the user and the accounting agency fee of the charging agency for the user, or the fee of the service of the service provider provided to the user terminal and the service providing agency of the service providing agent for the user A charging process is performed in response to a request for a charging process based on a fee or charging data including a charging proxy fee of a charging agent to a user or a charging data including a service charge of a service provider provided to a user terminal. Create billing data, create billing data of the difference between the service charge and the service providing agency commission for the service provider and the billing agency fee for the billing agency for the service provider, and provide the service to the user. To create the billing data of the difference obtained by subtracting the billing agency commission of the accounting agency for the server to the service providing agency skilled in the art from the sum of the service providing agency services providing agency fees for service providing agency fees and service providers of the line art.

[0049]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 and FIG. 2 are diagrams showing a contract relationship of each player in the accounting settlement service acting method according to the first embodiment of the present invention, and a diagram showing flows of services and money in the first embodiment. According to the billing and settlement business agency method of the present embodiment, the service providing agency uses the service providing agency server on behalf of the service provider, and charges the billing process for the service of the service provider provided to the user terminal via the network. By requesting the agency server, the accounting agent server performs the accounting process for the service, bills the user terminal for the service, and requests the settlement agent server to perform the settlement process for the bill, The settlement agent server performs the settlement process based on the request in response to the settlement processing request. Independently manage the service provider using the service, the billing agent server takes charge of the billing function,
A case where a service provider manages users independently will be described. The service provider uses the function of the accounting agent server through the service agent server. Therefore, the billing agent server is hidden behind the service providing agent server, and the service provider does not recognize the existence of the billing agent server. It should be noted that a charging fee of the server for the charging agent to the service provider is not generated in this embodiment. This is because the server for the charging agent does not recognize the service provider. Further, the service provider uses the service providing agent server to provide the service.

In this embodiment, as shown in FIG. 1 and FIG. 2, as a player, a content creator (hereinafter abbreviated as a CP (Contents Provider)) 5 which is a service provider, and a service providing agent Server for the content providing agent (hereinafter referred to as xSP (xServ)
ice provider) 7, a billing agent server (hereinafter abbreviated as billing PF (Plat Form)) 9, a user terminal 11, a settlement agent server (A) 1 for performing credit settlement, and FIG. There are six players consisting of a settlement agent server (B) 3 for performing bank transfer settlement indicated by, and these are connected so as to be able to communicate with each other via a network such as the Internet.

Each player will be described below, but this description can be applied not only to the present embodiment but also to the entire present invention.

The CP 5 is a subject that creates contents such as images, moving images, and service applications to be provided or sold to users. There are three types of variations of this CP5: a case where the user sees it as one store of the service of the charging PF9, a case where it appears as one store of xSP7, and a case where it appears as one independent store. In each embodiment, the case where the target provided by the CP 5 is a content will be described. However, in the present invention, the target provided or sold to the user is not limited to the content, and the content is generally provided. It is a service that includes

XSP7 is means for providing the content provided by CP5 to the user (for example, a stream server)
Is a service PF (platform) that provides a service.
From the user's point of view, there are three types of variations: a case where the store is viewed as one store of the charging PF 9, a case where the store is viewed as a single independent store group (mall), and a case where the store functions as a back office of the CP 5 (the user is unaware).

The billing PF 9 includes CP5, xSP7, billing F
The charging and settlement processing of the service provided by P9 itself is executed. Specifically, the billing PF 9 is a bill from the CP 5 to the user terminal 11, a bill from the xSP 7 to the user terminal 11,
xSP7 to CP5, charging PF9 to user terminal 11, charging PF9 to CP5, charging PF9 to xSP7, and payment agent server (A) 1 for payment processing associated with this charging. An execution request is made to the settlement agent server (B) 3.

The billing PF 9 is a billing PF for the user.
9 appeals to the user as a comprehensive billing service;
There are two types of variations when functioning as the back office of xSP7 and CP5 (not conscious of the user terminal 11). Also, there are two types of variations for the providers of xSP7 and CP5: requesting charging / settlement (only for the billing function) or performing fee collection agency (charging + settlement function).

The user terminal 11 has a charging PF 9 and an xSP
7. A terminal used by a user who uses the service provided by the CP5, and is a subject who pays for the provided service.

The settlement agent server (A) 1 or the settlement agent server (B) 3 is provided with a remittance source (user, CP
5, xSP7) from the receiving source (charging P
F9, xSP7, or CP5). In the present invention, a payment agent server (A) 1 which is a credit card company is used as a method for collecting a fee from a user, and xSP7, CP5,
The settlement agent server (B) 3 using a bank transfer is used as a settlement method between the charging PFs 9.

Next, with reference to FIG. 1, a contract relationship between players in the first embodiment will be described.

In the first embodiment, first, the user terminal 11
Has concluded a content use contract with CP5, whereby the user terminal 11 can use the content provided by CP5. Further, the user terminal 11 concludes a use contract of a settlement institution with the settlement agent server (A) 1 which is a credit card company. Agent server (A)
1 to make payment to the recipient.

The CP 5 concludes a settlement institution use contract with the settlement agency server (A) 1 which is a credit card company, whereby the CP 5 reduces the content fee to the settlement agency server which is a credit card company. (A) 1
Can be received via

Further, the CP5 has the xSP with the xSP7.
A contract is concluded, whereby the CP 5 requests the xSP 7 for a content providing service, and provides the content created by the CP 5 to the user via the xSP 7.

The xSP 7 concludes a use proxy contract for the billing PF 9 with the CP 5, and further concludes a use contract for the billing PF 9 with the billing PF 9.
P7 transmits the content provided by CP5 to user terminal 11;
, The accounting process can be requested to the accounting PF 9.

Next, the service and the flow of money in the accounting settlement service acting method of the first embodiment shown in FIG. 1 will be described with reference to FIG. As shown in FIG. 2, in the present embodiment, the settlement agent server (A) is used as a settlement institution.
In addition to the above, the payment agent server (B) 3 for performing the bank transfer settlement as described above is provided, and the payment agent server (B) 3 provides xSP7, CP5, and charging PF.
Bank transfer is performed as a settlement method between the nine.

In the first embodiment shown in FIG. 2, first, an initial registration processing phase is performed. In the first embodiment, as the initial registration processing phase, reference numerals (1),
(4) As shown in (7), (1) x to the charging PF 9
Store registration work of SP7 ((i) as a billing executor of CP5, (ii) as a billing target of billing PF9), (4)
Work for registering the CP5 in the charging PF 9 ((i) as a user who performs charging for the user, (ii) as a person to be charged for xSP7), and (7) Registration work for the user in the CP 5 (actually, the charging PF 9) CP5).

(1) Store registration work of xSP7 to charging PF9 ((i) as a charging executor to CP5, (ii) as a charging target of charging PF9), the administrator of charging PF9 is required to make a request to xSP7. It is done based on. In addition, (4) store registration work of CP5 in the charging PF 9 ((i) as a charging executor to a user, (ii) as a charging target of xSP7)
Is performed by the administrator of xSP7 based on the request of CP5.

Further, (7) CP5 (actually billing PF9)
The user registration work (as a billing target for CP5)
Whether the administrator of CP5 is based on the user's request,
Alternatively, it is executed by a user performing online sign-up through the WWW-IF. In this case, the contents of the user registration work include (a) issuing a user ID (the user ID on the billing PF 9 is uniquely set by the CP5, that is, user management mainly based on the CP5),
(B) User basic information input.

Next, following the initial registration process phase, a user use service registration process phase is performed as indicated by the reference numeral (7). In this user use service registration processing phase (7), CP5 (actually, charging PF
The user's use service registration work to 9) is performed. The registered contents in this case are registration of use of the service provided by CP5.

Next, as shown by reference numeral (8) in FIG. 2, a service use phase of the user occurs. That is, the user of the user terminal 11 uses the service from CP5. Billing data for the use of this service or content is transmitted from CP5 (actually from xSP7 which is a service providing agent server) to billing PF9,
The charging PF 9 executes a charging process based on the charging data. The pay-as-you-go billing based on the service usage information of the user, that is, the billing process that can occur for the billing data, is a service charge of CP5 for the user (CP
5 → user terminal 11), xSP7 service provision agency fee for CP5 (xSP7 → CP5), accounting agency fee of charging PF9 for xSP7 (billing PF9 → xS)
P7).

Next, in the case where the charging process by the charging PF 9 is, for example, a fixed amount process on a monthly basis, it is performed as a monthly fixed amount charging process phase. When the closing date determined by the accounting PF 9 is reached, the accounting PF 9 performs a fixed amount accounting process based on each usage service registration. In this case, the flat-rate charge generated based on the service usage information of the user is based on CP5 for the user.
Service fee (CP5 → user terminal 11), xSP7 service provision agency fee for CP5 (xSP7 →
CP5), and a charging agency fee of charging PF9 for xSP7 (charging PF9 → xSP7).

Next, a bill generation process is performed. In this case, a bill is issued on the closing day determined by the billing PF 9 based on the billing results for each player.

That is, in FIG.
The billing process as shown in (6) and (10) is performed in an arbitrary order.

In the process (3), the charge P for xSP7 is
The billing of the billing agency fee of F9 is issued from the billing PF9. In process (6), xS for CP5
The billing of the billing / service providing agency fee of P7 is issued from the billing PF9. Further, in the process (10), a bill for the service provision fee for each CP5 is issued to the user, and credit settlement is performed by the settlement agent server (A) 1.

It should be noted that the charging PF 9 and xSP for the user
The charging fee of 7 does not occur in the case of the present embodiment. This is because the charging PF 9 or xSP 7 is hidden behind the CP 5 and the user does not become aware of the existence of the charging PF 9 or xSP 7.

Next, a settlement process is performed corresponding to each of the bill generation processes, and money is exchanged between the players.

First, in response to the issuance of the bill for the billing agency fee of the billing PF 9 to the xSP 7 in the process (3), payment of the billing agency fee from the xSP 7 to the billing PF 9 based on the bill is performed by the settlement agency. This is performed by bank transfer or the like using the server for service (B) 3.

In response to the issuance of the bill for the charging / service providing agency fee of xSP7 to CP5 in the above-mentioned process (6), the CP5 sends xSP7 based on the bill.
Payment of the billing / service provision agency fee to P7 is performed by bank transfer or the like using the settlement agency server (B) 3. In response to the issuance of the bill for the service provision fee of each CP5 to the user in the process (10), the payment of the service provision fee from the user to the CP5 based on the bill is performed by the settlement agent server (A) 1. It is performed by credit settlement using. That is, the sales from the user are directly credited to the CP 5 by credit settlement using the settlement agent server (A) 1. It should be noted that the billing amount for each CP5 is individually described in the user's credit statement.

Further, in FIG. 2, reference numerals (2),
As shown in (5) and (9), the details of each usage fee are
It can be viewed from the W-IF.

That is, in the process indicated by reference numeral (2), x
The administrator of the SP 7 can view the sales details for the CP 5 and the fee details of the charging agency fee of the charging PF 9 from the WWW-IF. Further, in the process indicated by reference numeral (5), the administrator of the CP 5 can view the details of the sales to the user and the fee details of the charging / service providing agency fee of xSP7 from the WWW-IF. Further, in the processing indicated by reference numeral (9), the user can individually view the usage fee details of each CP5 from the WWW-IF.

Next, the flow of processing in the first embodiment will be described as a whole.

In the first embodiment, x is calculated using the charging PF 9.
In the case where the SP 7 independently manages the CP 5 and the CP 5 independently manages the user, the xSP 7 transmits billing data of the CP 5 service provided to the user terminal 11 to the billing PF 9 and requests billing processing. The billing PF 9 performs a billing process in response to the request, creates billing data for billing the user for the service fee, and a payment process based on the billing data is requested by the payment agent server (A) 1. A payment process is executed based on the billing data for paying the payment from the user to the CP 5 based on the request.

Also, xSP7 or charging PF9 is CP5
, The billing data for billing the CP5 for the service providing agency fee and the billing agency fee of the xSP7 to the CP5. A payment process based on the billing data for paying the payment from xSP7 to xSP7 is executed.

Further, the billing PF 9 creates billing data for billing the xSP 7 for the billing agency fee of the billing PF 9 to the xSP 7, and a payment process based on the billing data is requested to the payment agent server (B) 3. Based on the request, a payment process based on the billing data for paying the payment from the xSP 7 to the charging PF 9 is executed.

Next, with reference to FIG. 3 and FIG. 4, a billing and settlement service acting method according to a second embodiment of the present invention will be described. FIG. 3 is a diagram showing a contract relationship of each player in the billing and settlement service acting method of the second embodiment, and FIG. 4 is a diagram showing a flow of services and money in the second embodiment. The players in the present embodiment are the payment agent server (A) 1, the payment agent server (B) 3, CP5, x as in the first embodiment.
SP7, accounting PF9, and user terminal 11.
In the second embodiment, a case is described in which a charging service PF9 serving as a charging agent server is used to independently manage a user and a CP5 serving as a service provider mainly by the service provider xSP7. belongs to. That is, the CP 5 uses the xSP 7 as a server for a service providing agent, and uses the user management / charging agent (user recruitment / information management by the xSP 7) by the xSP 7. Therefore, the CP 5 does not recognize the existence of the charging PF 9, and the charging PF 9 appears hidden behind the xSP 7. The charging fee of the charging PF 9 for the CP 5 is not generated in the present embodiment. This is because the charging PF 9 is not aware of CP5.

As shown in FIG. 3, the contract relationship between the players in the second embodiment differs from the case of the first embodiment shown in FIG.
XSP 7 has been concluded with xSP7, and xSP7 has concluded a contract for use of a settlement institution with settlement agent server (A) 1. The other contract relationships are the same as in the first embodiment.

Next, with reference to FIG. 4, a description will be given of the flow of services and money in the billing and settlement service acting method according to the second embodiment.

First, in the registration process, reference numerals (1), (4),
As shown in (7) and (8), (1) x to the charging PF 9
SP7 store registration work ((i) as a user who performs charging to CP5, (ii) as a chargeable person of charging PF9), (4) store registration work of CP5 to charging PF9 ((i) user (Ii) xSP7
(7) User registration work to xSP7 (actually as billing PF9) (as a chargeable object of xSP7), (8) User registration work to CP5 (actually as billing PF9) (CP5 ).

(1) Work of registering xSP7 in billing PF9 ((i) As a user and a billing executor of CP5,
(Ii) As a chargeable person of the charge PF9), the charge PF9
Is performed based on the request of xSP7. Also,
(4) The work of registering the CP5 in the charging PF 9 at the store ((i) as a charging executor for the user, and (ii) as a charging target for xSP7) is performed by the administrator of xSP7 based on the request of CP5.

Further, (7) xSP7 (actually, charging PF
The registration work of the user in 9) (as a charging target of xSP7) is performed by the administrator of xSP7 based on the request of the user, or performed by the user signing up online through WWW-IF ( xSP
Image of registration to mall operated by 7). In this case, the contents of the user registration work include (a) issuing of a user ID (the user ID on the charging PF 9 is set independently by the xSP7,
That is, (b) user management mainly by xSP7), (b) input of basic information of the user, and (c) registration of use of the xSP7 providing service.

(8) CP5 (actually billing PF9)
The user registration work (as a billing target for CP5)
Whether the administrator of CP5 is based on the user's request,
Alternatively, it is executed by the user signing up online through WWW-IF (image of registration to a store in a mall). In this case, the contents of the user registration work include (a) input of user difference information (registration of user information unique to CP5 used for functions other than the charging function in charging PF9),
(B) Including use registration of the CP5 service.

Next, as shown by reference numeral (9) in FIG. 4, the user of the user terminal 11 uses the service from the CP5. The charge data for the use of this service or content is charged from CP5 (actually from xSP7)
9 and the charging PF 9 executes a charging process based on the charging data. The pay-as-you-go billing based on the service usage information of the user, that is, the billing process that can be performed on the billing data includes a service charge of CP5 for the user (CP5 → user terminal 11) and a service provision agency fee of xSP7 for the user ( xSP7 → user), xSP7 service provision agency fee for CP5 (xSP7 → CP5), charging PF9 for xSP7
(Accounting PF9 → xSP7).

Next, a charging process is performed by the charging PF 9. The billing PF 9 executes a billing process based on each service registration. In this case, the flat-rate billing based on the user's service usage information, that is, the billing process that can be performed on the billing data, includes the CP5 service fee for the user (CP5 → user terminal 11), the xSP7 service provision agency for the user. Commission (xSP7 → user), xSP7 service provision agency fee for CP5 (xSP7 → CP5), charging PF for xSP7
9 is a charging agency fee (charging PF9 → xSP7).

Next, a bill generation process is performed. In this case, a bill is issued by the billing PF 9 based on the billing result of each player.

That is, in FIG.
The billing process shown in (6) and (11) is performed in an arbitrary order.

In process (3), the charge P for xSP7 is
The billing of the billing agency fee of F9 is issued from the billing PF9. In process (6), xS for CP5
The billing of the charging / service providing agency fee of P7 is issued from xSP7. Further, in the process (11), a bill for a service provision fee for each CP5 and a service provision agency fee of xSP7 is issued to the user, and credit settlement is performed by the settlement agency server (A) 1.

Next, a settlement process is performed corresponding to each of the bill generation processes, and money is transferred between the players.

First, in response to the issuance of the bill for the billing agency fee of the billing PF 9 to the xSP 7 in the process (3), payment of the billing agency fee from the xSP 7 to the billing PF 9 based on the bill is performed by the settlement agency. This is performed by bank transfer or the like using the server for service (B) 3.

Further, in response to the issuance of the bill for the charging / service providing agency fee of xSP7 to CP5 in the above-mentioned processing (6), the CP5 based on the bill reads xS
Payment of the billing / service provision agency fee to P7 is performed by bank transfer or the like using the settlement agency server (B) 3. In response to the issuance of the bill for the service provision fee to each CP5 for the user and the issuance of the service provision agency fee of xSP7 in the process (11), the service provision fee from the user to the CP5 based on the bill is calculated. The payment and the payment of the service providing agency fee to the xSP 7 are performed by credit settlement using the settlement agency server (A) 1. That is, the sales from the user are credited to the CP5 by credit settlement using the settlement agency server (A) 1, and the service provision agency fee of the user is paid to the xSP7 using the settlement agency server (A) 1. Payment by credit payment.

Further, in FIG. 4, reference numerals (2),
As shown in (5) and (10), the description of each usage fee is W
It can be viewed from the WW-IF.

That is, in the process indicated by reference numeral (2), x
The administrator of the SP 7 can view the sales details for the user and the CP 5 and the fee details of the billing agency fee of the billing PF 9 from the WWW-IF. In the process indicated by reference numeral (5),
The administrator of the CP5 writes the sales details to the user and the charge details of the xSP7 billing / service provision agency fee in WWW-IF.
Can be seen from

Further, in the processing indicated by reference numeral (10), the user can integrate and browse the usage fee details of xSP7 and a plurality of CP5 under xSP7 through the WWW-IF (that is, charging PF9 mainly by xSP7). X using
User charging integration processing in SP7). It should be noted that the user's credit statement describes the amount charged for each CP5 and the amount charged for xSP7. The charging fee of the charging PF 9 for the user is not generated in the case of the present embodiment. This is the billing P
This is because the F9 is hidden behind the CP5 and the user does not recognize the existence of the charging PF9. Whether or not to collect the fee of xSP7 for the user is optional, and is determined by the system.

Next, the flow of processing in the above-described second embodiment will be described as a whole.

In the second embodiment, x is calculated using the charging PF 9.
In the case where the SP 7 manages the user and the CP 5 independently, the xSP 7 is a charge data including a charge of the CP 5 service provided to the user terminal 11 and a service providing agent commission of the xSP 7 for the user or the user terminal 11.
Is transmitted to the charging PF 9 including the charge of the service of the CP 5 provided to the user, and requests the charging process. Billing PF9
Performs billing processing in response to the request and creates billing data for billing the user based on the billing processing. The settlement processing based on the billing data is requested by the settlement agent server (A) 1, and the settlement agent server (A) 1 deposits the service fee from the user into the CP 5 based on the request, and provides the service from the user. XSP7 for offer agency fee
And a service fee from the user based on the billing data or the request for depositing the service charge into the CP5 based on the billing data.

Also, xSP7 or billing PF9 is CP5
, The billing data for billing the CP5 for the service providing agency fee and the billing agency fee of xSP7 for the payment agent, and the settlement processing based on the billing data is requested to the settlement agency server (B) 3; (B)
3 executes a settlement process based on the billing data for paying the payment from the CP 5 to the xSP 7 based on the request.

Further, the billing PF 9 creates billing data for billing the xSP 7 for a billing agency fee of the billing PF 9 to the xSP 7, and a payment process based on the billing data is requested to the payment agent server (B) 3. The payment agent server (B) 3 executes a payment process based on the billing data for paying the payment from the xSP 7 to the charging PF 9 based on the request.

Next, with reference to FIGS. 5 and 6, a description will be given of a billing and settlement service acting method according to a third embodiment of the present invention. FIG. 5 is a diagram showing a contract relationship of each player in the billing and settlement service acting method of the third embodiment, and FIG. 6 is a diagram showing a flow of services and money in the third embodiment. The players in the present embodiment are the payment agent server (A) 1, the payment agent server (B) 3, CP5,
xSP 7, charging PF 9, and user terminal 11. The third embodiment uses the charging PF9, which is a server for a billing agent, and independently manages the user and the CP5, which is a service provider, mainly by the xSP7, which is a server for a service providing agent, This is a case in which xSP7, which is a service providing agent server, performs collection of fees for users. That is, CP5 is xSP
7 is used as a server for a service providing agent, and a user management / charging agent (user recruitment / information management by xSP7) by xSP7 is used. Therefore, CP5
Is not aware of the existence of the charging PF 9
Is hidden behind xSP7. Billing P for CP5
The charging fee of F9 is not generated in the present embodiment. This is because the charging PF 9 is not aware of CP5.

As shown in FIG. 5, the contract relationship between the players in the third embodiment is different from the case of the second embodiment shown in FIG. 3 in that the CP 5 and the payment agent server (A) The only difference is that there is no clearing house use contract between the two. The other contracts are the same.

As shown in FIG. 6, the flow of services and money in the billing and settlement business agency method of the third embodiment is a service provision agency fee, which is sales of xSP7 to the user, and a service, which is sales of CP5 under xSP7. After the charges are once collected in xSP7, each C is transferred by bank transfer using the settlement agent server (B) 3.
Transferred to P5 (that is, charging P by xSP7)
The second embodiment shown in FIG. 4 is the same as the second embodiment shown in FIG. is there. Therefore, processing of different parts will be described. In FIG. 4, reference numerals (1), (2), (7),
The processes shown in (8), (9), and (10) are respectively performed in FIG.
In FIG. 4, reference numerals (4),
The processing indicated by (5) is denoted by reference numerals (5) and
This is indicated by (6).

In the processing indicated by reference numeral (11) in the third embodiment shown in FIG. 6, the charge of the service provided to the user and the service provision agency fee of xSP7 to the user are collected by the charge collection using the charging PF9 by xSP7. Collected once in xSP7 by proxy processing. It should be noted that the credit request transaction with the credit network can be reduced depending on the credit request execution method (credit frame prefetching) in the charging PF 9. Whether or not xSP7 pays after clearing the service provision agency fee of xSP7 for CP5 depends on the operation mode.

X with respect to CP5 indicated by reference numeral (3) in FIG.
An invoice is issued from xSP7 for the billing / service providing agency fee for SP7. However, in the case of performing the above-described clearing, the difference obtained by subtracting the amount of the charge for the CP5 of xSP7 from the sales of CP5 (the sales of CP5− The billing fee for xSP7 to CP5) is transferred from xSP7 to CP5 via a bank transfer or the like via settlement agent server (B) 3.

Also, the billing PF9 billing fee for the xSP7 indicated by reference numeral (4) in FIG. 6 is issued from the billing PF9, and the administrator of the xSP7 uses the settlement agency server (B) 3. Payment is made by bank transfer.

Note that the user's credit statement contains xS
Through P7, the fees of services purchased by a plurality of CP5 and the usage fee of xSP7 are displayed collectively. Individual details are not displayed. The charging fee of the charging PF 9 to the user is not generated in the present embodiment, because the charging PF 9 cannot be seen from the user. It is optional to collect the xSP7 fee for the user,
It will be determined by the system.

Next, the flow of processing in the third embodiment will be described as a whole.

The third embodiment uses the charging PF 9 to set x
SP7 manages the user and CP5 independently, and xSP7
Is responsible for collecting fees from the user on behalf of the CP 5, and the xSP 7 provides the CP provided to the user terminal 11.
The charge data including the service charge of the service No. 5 and the service providing agency fee of the xSP7 to the user or the charge data including the charge of the CP5 service provided to the user terminal 11 is transmitted to the charge PF 9 to request the charge processing. The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. The settlement processing based on the billing data is requested by the settlement agent server, and the settlement agent server (A) 1 receives the request for depositing the service charge and the service providing agent fee from the user into the xSP 7 based on the request. A payment process is executed based on the billing data for depositing the service charge from the user into the xSP 7 based on the data or the request. The xSP7 creates billing data of a difference obtained by subtracting the service provision agency fee of the xSP7 for the CP5 from the received service fee. The settlement processing based on the billing data is requested to the settlement agent server, and the settlement agent server (B) 3 receives the request based on the request.
A payment process based on the billing data for depositing at P5 is executed.

The charging PF 9 creates charging data for charging the charging service fee of the charging PF 9 to the xSP 7 to the xSP 7. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 transmits the payment data from the xSP 7 to the billing PF 9 based on the request. Execute the settlement processing based on.

Next, with reference to FIGS. 7 and 8, a billing and settlement service acting method according to a fourth embodiment of the present invention will be described. FIG. 7 is a diagram showing a contract relationship of each player in the billing and settlement service acting method according to the fourth embodiment, and FIG. 8 is a diagram showing a flow of services and money in the fourth embodiment. The players in this embodiment are the payment agent server (A) 1, the payment agent server (B) 3, the CP5,
xSP 7, charging PF 9, and user terminal 11. In the fourth embodiment, the service is provided by xSP7, which is a server for a service providing agent, using a charging PF9, which is a server for a charging agent, to independently manage users, and is a server for a charging agent. Billing PF9 is CP
5 is managed independently. That is, xS
P7 uses CP5 management / charging agent (charging CP5 recruitment / information management by charging PF9) by charging PF9. CP
5 uses xSP7 as a service providing agent server, and uses xSP7 for user management / charging agent (xS7).
(User recruitment / information management by P7). In the present embodiment, no charging fee of the charging PF 9 for the user is generated. This is because the user is not conscious of the existence of the charging PF 9, and the charging PF 9 is hidden behind the CP5. Whether or not to collect the fee of xSP7 for the user is optional, and is determined by the system.

The contract relationship between the players in the fourth embodiment is, as shown in FIG. 7, a charging PF between xSP7 and CP5 in the second embodiment shown in FIG.
The difference is that the charging PF 9 has concluded a charging PF 9 usage contract with the CP 5 instead of the 9 usage proxy contract, and the other contract relationships are the same as in the second embodiment.

As shown in FIG. 8, the flow of services and money in the billing and settlement business acting method of the fourth embodiment is as follows.
And CP5 based on the bill issued from the charging PF9
Except for the point that the manager is paid by a bank transfer or the like using the settlement agent server (B) 3, that is, except for the processes indicated by reference numerals (6) and (7) in FIG. , And is substantially the same as the second embodiment shown in FIG. Therefore, processing of different parts will be described. Note that reference numerals (1), (2), (3), (4),
The processing indicated by (5) is indicated by the same reference numerals as those in FIG. 4, but the processing indicated by reference signs (8) to (12) in FIG.
Each corresponds to the processing indicated by reference numerals (7) to (11) in FIG.

In the processing shown by reference numerals (6) and (7) in the fourth embodiment shown in FIG.
XSP7 and charging PF7 for the service providing agent fee of 7 and the charging agent fee of charging PF9, respectively.
An invoice is issued from 9. CP5 based on this bill
Of the xSP7 service providing agency commission by bank transfer using the settlement agency server (B) 3
Payment is made to SP7, and the billing agency fee of billing PF9 is billed P
Deposited in F9. It should be noted that the sales from the user are directly credited to the CP 5 by credit settlement using the settlement agent server (A) 1 as indicated by reference numeral (12).

Note that the store registration work of the CP 5 to the charging PF 9 ((i) as a charging executor to the user, (ii) a charging P
F9 and xSP7 are charged by the administrator of the charging PF9 based on the request of the CP5. Also, CP
The administrator of No. 5 can view the details of the sales to the user, the service provision agency fee of xSP7, and the billing agency fee of the billing PF9 through the WWW-IF.

Next, the flow of processing in the above-described fourth embodiment will be generally described.

The fourth embodiment uses the charging PF 9 to set x
SP7 manages the user independently, and charging PF9 manages CP5 independently. XSP7 is the user terminal 1
1 to the charging PF 9 by transmitting to the charging PF 9 charging data including the charge of the CP5 service provided to the user 1 and the service charge of the service provision service of the xSP 7 to the user or the charging data including the service charge of the service provider provided to the user terminal 11. Ask. The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. Payment processing based on the billing data is requested to the payment agent server (A) 1,
The settlement agent server (A) 1 deposits a service fee from the user into the CP 5 based on the request, and bills data for depositing a service provision agency fee from the user into the xSP 7 or a service from the user based on the request. A settlement process based on the billing data for depositing the fee into CP5 is executed.

Also, xSP7 or charging PF9 is CP5
Creates billing data for billing CP5 a service providing agency fee and a billing agency fee for xSP7 for. The payment processing based on the billing data is requested to the payment agent server (B) 3, and the payment agent server (B) 3 receives the payment from the CP 5 based on the request and receives the payment from the xSP 7.
A payment process based on the billing data for paying the payment.

The billing PF 9 creates billing data for billing the CP 5 of the billing proxy fee of the billing PF 9 to the CP 5. The settlement process based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 charges the payment from the CP 5 based on the request to the charge PF.
9 to execute a settlement process based on the billing data.

Further, the billing PF 9 creates billing data for billing xSP 7 for a billing agency fee of the billing PF 9 for xSP 7. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 transmits the payment data from the xSP 7 to the billing PF 9 based on the request. Execute the settlement processing based on.

Next, with reference to FIG. 9 and FIG. 10, a billing / payment service acting method according to a fifth embodiment of the present invention will be described. FIG. 9 is a diagram showing a contract relationship of each player in the billing and settlement business acting method according to the fifth embodiment.
FIG. 10 is a diagram showing the flow of services and money in the fifth embodiment. The players in this embodiment are the payment agent server (A) 1, the payment agent server (B) 3, and the CP in the same manner as in the first to fourth embodiments.
5, xSP7, charging PF9, and user terminal 11. In the fifth embodiment, the charging agent PF9, which is a server for an accounting agent, is used to manage the CP5 independently by the server xSP7, which is a server for the agent providing service, and the accounting PF9, which is the agent. In this case, users are managed independently. That is, CP5 is xSP7
Is used as a service providing agent server, and user management / charging agent (charging of users / information management by charging PF9) by charging PF9 is used. However, CP5
Uses the charging PF 9 through the xSP 7. That is,
The CP5 does not recognize the existence of the charging PF9, and the charging PF9 appears hidden behind the xSP7. The charging fee of the charging PF 9 for the CP 5 is not generated in the present embodiment.
This is because the charging PF 9 is not aware of CP5.

As shown in FIG. 9, the contract relationship between the players in the fifth embodiment is different from the case of the second embodiment shown in FIG. Is different from the first embodiment in that it is newly added that a billing PF 9 is concluded with the settlement agency server (B) 3. This is the same as the second embodiment.

As shown in FIG. 10, the flow of services and money in the accounting settlement service acting method according to the fifth embodiment is as follows. The second point shown in FIG. 4 is that the provision agency fee and the accounting agency fee of the accounting PF 9 to the user include a process of being deposited into the CP 5, the xSP 7, and the accounting PF 9 via the settlement agency server (A) 1. 4 except for the processing greatly different from the embodiment of FIG. 4, that is, excluding the processing indicated by reference numerals (7), (11), and (12) in FIG.
This is almost the same as the second embodiment. The processes denoted by reference numerals (1) to (5) shown in FIG. 10 are denoted by the same reference numerals as those in FIG. 4, respectively, but the reference numerals (8) to (1) in FIG.
The processes shown in 2) are respectively denoted by reference numerals (7)-(1) in FIG.
This corresponds to the processing shown in 1).

In the processing indicated by reference numeral (12) in the fifth embodiment shown in FIG. 10, the service charge of CP5 provided to the user, the service provision service charge of xSP7 for the user, and the service charge of PF9 for the user are provided. Is paid to the CP5, xSP7, and billing PF9 via the settlement agent server (A) 1, respectively. In the process indicated by reference numeral (6),
The service provision fee and the billing service fee of xSP7 for CP5 are invoiced from xSP7,
The administrator of No. 5 pays the fee to xSP7 by bank transfer or the like using the settlement agent server (B) 3. Note that C
In P5, the sales from the user are directly deposited by credit card payment via the payment agent server (B) 3. Further, in the process indicated by reference numeral (5), the administrator of the CP 5 can view the fee details of the sales, the service providing agency fee, and the billing agency fee from the WWW-IF.

Further, as shown by reference numeral (7), the charging PF
9 is registered by the administrator of the charging PF 9 in response to a request from the user, or is performed by the user performing online sign-up through the WWW-IF. That is,
This is an image of registration in a mall operated by the charging PF9).
In this case, the contents of the user registration work include (a) issuing a user ID (the user ID on the charging PF 9 is uniquely set by the charging PF 9. That is, user management mainly by the charging PF 9), and (b) basic user information input. And (c) registration of the use of the service provided by the charging PF9.

In the customer registration process indicated by reference numeral (8), xS
User registration work (xS) in P7 (actually billing PF9)
P7 is charged by the administrator of xSP7 based on the request of the user, or the user
This is executed by performing online sign-up through the IF (image of registration to a store in a mall). The contents of the user registration work in this case include (a) input of user difference information (registration of user information unique to xSP7 used for functions other than the charging function to the charging PF9), and (b) registration of use of the xSP7 providing service.

In the process indicated by reference numeral (9), CP5
The registration of the user to the (actually the charging PF 9) (as the charging target of the CP 5) is performed by the administrator of the CP 5 based on the request of the user, or by the user signing up online through the WWW-IF. Executed (image of registration to in-store service). In this case, the contents of the user registration work include (a) input of user difference information (registration of user information unique to CP5 used for functions other than the billing function in the billing PF9), and (b) registration of use of the CP5 providing service.

Further, in the processing indicated by reference numeral (11), the user can integrate and browse the billing PF 9 and the usage fee details of a plurality of CPs 5 and xSPs under the billing PF 9 through the WWW-IF (ie, billing). PF9-based user charging integration process). It should be noted that the user's credit statement describes the amount charged for each of CP5 and xSP7. Whether or not to charge a fee for the charging PF 9 to the user is arbitrary, and is determined by the system.

Next, the flow of processing in the fifth embodiment will be described as a whole.

The fifth embodiment uses the charging PF 9 to set x
SP7 independently manages CP5, and charging PF9 independently manages users. XSP7 is the user terminal 1
1, charging data including the service fee of the CP5 service provided to the user 1, the service providing service fee of the xSP7 to the user, and the service fee of the charging PF9 to the user, or the service fee of the CP5 service provided to the user terminal 11 and the service of the xSP7 to the user The billing data including the provision agency fee or the accounting agency fee of the accounting PF9 for the user, or the CP5 provided to the user terminal 11.
The charge data including the charge of the service is transmitted to the charge PF 9 to request the charge processing. The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. The settlement process based on the billing data is requested to the settlement agent server (A) 1, and the settlement agent server (A) 1 receives a service charge from the user, a service provision agent fee based on the request,
And the billing data for depositing the billing agency fee into CP5, xSP7 and billing PF9, respectively, or the service fee from the user and the service providing agency fee or billing agency fee as CP5 and xS, respectively.
A payment process is executed based on billing data for depositing into P7 or charging PF9 or billing data for depositing a service fee from a user into CP5.

Also, xSP7 or charging PF9 is CP5
Creates billing data for billing CP5 a service providing agency fee and a billing agency fee for xSP7 for. The settlement process based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 receives xSP7 from the CP 5 for the service providing agent fee and the charging agent fee based on the request. A payment process based on the billing data for paying the payment.

Further, the billing PF 9 creates billing data for billing the xSP 7 for a billing agency fee of the billing PF 9 to the xSP 7, and a settlement process based on the billing data is requested to the settlement agency server (B) 3. The payment agent server (B) 3 executes a payment process based on the billing data for paying the payment from the xSP 7 to the charging PF 9 based on the request.

Next, a billing and settlement service acting method according to the sixth embodiment will be described with reference to FIG. 11 and FIG. FIG. 11 is a diagram showing a contract relationship of each player in the billing and settlement service acting method according to the sixth embodiment.
FIG. 2 is a diagram showing a service and a flow of money in the sixth embodiment. The players in the present embodiment are the payment agent server (A) 1, the payment agent server (B) 3, the CP5, and the payment agent server, as in the first to fifth embodiments.
xSP 7, charging PF 9, and user terminal 11. In the sixth embodiment, the charging agent PF9, which is a server for a charging agent, is used to manage the CP5 independently by the server xSP7, which is a server for the agent providing the service, and the charging PF9 is a member, which is the agent. In this case, the user is managed independently, and a charging agent PF9, which is a server for a charging agent, collects charges from the user. That is,
The CP 5 uses the xSP 7 as a server for a service providing agent, and uses a user management / charging agent (a user recruitment / information management by the charging PF 9) by the charging PF 9. However, CP5 uses charging PF9 through xSP7. That is, the CP 5 does not recognize the existence of the charging PF 9, and the charging PF 9 appears hidden behind the xSP 7. The charging fee of the charging PF 9 for the CP 5 is not generated in the present embodiment. This is because the charging PF 9 is not aware of CP5.

As shown in FIG. 11, the contract relationship between the players according to the sixth embodiment is the relationship between the CP 5 and the payment agent server (A) 1 in the fifth embodiment shown in FIG. The difference is that there is no need for a clearing house use contract between the settlement PF 9 and the billing PF 9 and the clearing agent use server (A) 1.
This is the same as the embodiment.

As shown in FIG. 12, the flow of services and money in the billing and settlement business acting method of the sixth embodiment is as follows. 12 except that the payment is transferred to the individual xSP 7 by bank transfer using the payment agent server (B) 3 (that is, the fee collection agent processing by the charging PF 9), that is, FIG.
10 is the same as that of the fifth embodiment shown in FIG. Therefore, processing of different parts will be described. In FIG. 10, the processes indicated by reference numerals (1) and (2) are:
In FIG. 12, the same reference numerals are used.
The processes indicated by reference numerals (4), (5), (7)-(11) are indicated by reference numerals (3)-(9) in FIG. 12, respectively.

In the processing indicated by reference numeral (10) in the sixth embodiment shown in FIG. 12, the charge of the CP5 service provided to the user, the service provision service fee of the xSP7 to the user, and the service charge of the charging PF9 to the user are provided. The commission is once collected in the charging PF 9 by the fee collection proxy processing by the charging PF 9. It should be noted that the credit request transaction with the credit network can be reduced depending on the credit request execution method (credit frame prefetching) in the charging PF 9. Whether the billing PF 9 clears the billing agency fee for the xSP 7 and then deposits sales depends on the operation mode. In the case of performing the clearing, the sales of xSP7 to the user + the service provision agency fee of xSP7 for CP5-the amount of the accounting agency fee of the accounting PF9 is transferred from the accounting PF9 to the bank via the settlement agency server (B) 3 or the like. Is received in xSP7 (process indicated by reference numeral (12)).

In the case where the charging PF 9 makes a payment after clearing the service provision agency fee for the CP 5 of the xSP 7, the sales of the CP 5 to the user—
The amount of the service providing agency fee of xSP7 for CP5 is transferred to CP5 from the charging PF9 via the payment agency server (B) 3 by bank transfer or the like (symbol (1)
1)).

In the process indicated by reference numeral (9), the user can integrate and view the billing PF 9 and the usage fee details of a plurality of CPs 5 and xSPs 7 under the billing PF 9 through the WWW-IF (the user mainly having the billing PF 9). Integration business). Whether or not to charge a fee for the charging PF 9 to the user is arbitrary, and is determined by the system. In addition, on the user's credit statement, the charges of the services used by the plurality of CPs 5 and xSP 7 and the charges of the charging PF 9 are collectively displayed through the charging PF 9.

Next, the overall flow of processing in the sixth embodiment will be described.

The sixth embodiment uses the charging PF 9 to set x
The SP7 independently manages the CP5, the charging PF9 independently manages the user, and the charging PF9 acts to collect the fee from the user. XSP7 indicates the fee of the CP5 service provided to the user terminal 11, XSP7 for
Service provision commission and user billing P
The accounting data including the charging agency fee of F9, or the accounting fee including the fee of the CP5 service provided to the user terminal 11 and the xSP7 service providing agency fee for the user or the accounting agency fee of the charging PF9 for the user, or the user terminal 11 The accounting data including the fee of the provided CP5 service is transmitted to the accounting PF 9 to request an accounting process. The billing PF 9 performs a billing process in response to the request, and creates billing data for billing the user based on the billing process. The settlement processing based on the billing data is requested to the settlement agent server (A) 1, and the settlement agent server (A) 1 receives a service fee, a service providing agent fee, and a charging agent fee from the user based on the request. Said billing data for depositing into the billing PF9,
Alternatively, the settlement processing is performed based on the billing data for depositing the service fee from the user and the service providing agency fee or the billing agency fee into the billing PF9, or the billing data for depositing the service fee from the user into the billing PF9. I do.

Further, the billing PF 9 creates billing data of a difference obtained by subtracting the xSP7 service providing fee for CP5 and the billing PF9 fee for CP5 from the service fee. The settlement processing based on the billing data is requested to the settlement agent server (B) 3,
The settlement agent server (B) 3 receives a CP5 based on the request.
A payment process based on the billing data for depositing money.

The charge PF 9 is a charge P for the xSP 7 based on the sum of the xSP 7 service provision charge for the user and the xSP 7 service provision charge for the CP 5.
The billing data of the difference obtained by subtracting the billing agency fee of F9 is created. The settlement processing based on the billing data is requested by the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement processing based on the billing data for depositing into the xSP 7 based on the request. I do.

Next, with reference to FIGS. 13 and 14, a description will be given of a billing and settlement service acting method according to a seventh embodiment of the present invention. FIG. 13 is a diagram showing a contract relationship of each player in the accounting settlement service acting method according to the seventh embodiment, and FIG. 14 is a diagram showing a flow of services and money in the seventh embodiment. The players in this embodiment are the payment agent server (A) 1, the payment agent server (B) 3, as in the first to sixth embodiments.
CP5, xSP7, charging PF9, and user terminal 11
Consists of In the seventh embodiment, the charging agent PF9 serving as a charging agent server is used to manage the CP5 independently with the service provider agent server xSP7 as a main body, and the charging PF9 as the main body. In this case, the user is managed independently, and the billing PF 9 serving as a billing agent server and the xSP 7 serving as a service providing agent server collect charges from the user. That is, C
P5 uses xSP7 as a server for a service providing agent, and also uses user management / charging agent by charging PF9 (user recruitment / information management by charging PF9). However, CP5 uses charging PF9 through xSP7. That is, the CP 5 does not recognize the existence of the charging PF 9, and the charging PF 9 appears hidden behind the xSP 7. The charging fee of the charging PF 9 for the CP 5 is not generated in the present embodiment. This is because the charging PF 9 is not aware of CP5.

As shown in FIG. 13, the contract relationship between the players in the seventh embodiment is the same as that in the sixth embodiment shown in FIG.

As shown in FIG. 14, the flow of services and money in the accounting settlement service acting method of the seventh embodiment is as follows. After that, the collected sales are transferred from the charging PF 9 to the xSP 7 and further transferred from the xSP 7 to the CP 5 in a cascade by a bank transfer using the payment agent server (B) 3. The sixth embodiment is different from the sixth embodiment shown in FIG. 12, and the others are basically the same.

That is, in the processing indicated by reference numeral (11) in the seventh embodiment shown in FIG. 14, the service charge provided to the user, the service provision service charge of the xSP7 for the user, and the charge service PF9 for the user are provided. The fee is once collected in the charging PF 9 by the fee collection agent processing by the charging PF 9, then transferred from the charging PF 9 to the xSP 7 by a bank transfer or the like by the settlement agent server (B) 3, and further transferred from the xSP 7 to the CP 5. It is performed in a cascade as follows (charging P
F9 fee collection agency processing). It should be noted that the credit request transaction with the credit network can be reduced depending on the credit request execution method (credit frame prefetching) in the charging PF 9. Whether the billing PF 9 clears the billing agency fee for the xSP 7 and then deposits sales depends on the operation mode. In the case of performing the clearing, the sales of xSP7 to the user + the service provision agency fee of xSP7 to CP5 + the sales of CP5 to the user−xS
The amount corresponding to the charge acting fee of the charge PF 9 for P 7 is transferred from the charge PF 9 to xSP 7 by a bank transfer or the like via the settlement agent server (B) 3 (symbol (12)).
Processing shown by).

Whether the xSP 7 clears the service providing agent fee for the CP 5 and then deposits the sales depends on the operation mode. In the case of the clearing, the sales of the CP 5 to the user−CP 5
XSP7 service provision agency fee for x
Payment is made to the CP 5 from the SP 7 via the settlement agent server (B) 3 by a bank transfer or the like (processing indicated by reference numeral (3)).

Next, the flow of processing in the seventh embodiment will be described as a whole.

The seventh embodiment uses the charging PF 9 to set x
SP7 independently manages CP5, billing PF9 independently manages users, and billing PF9 and xSP7 act to collect charges from the user. XSP7 is the charge of the CP5 service provided to user terminal 11. , Charging data including the service providing agency fee of the xSP7 for the user, and the charging agency fee of the billing PF9 for the user, or the fee of the service of the CP5 provided to the user terminal 11 and the service providing agency fee of the xSP7 for the user or the billing PF9 for the user. Charging data including the charging proxy fee of the charging service or the charging data including the service charge of the xSP7 service provided to the user terminal 11
The data is transmitted to F9 to request a billing process. The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. The settlement processing based on the billing data is performed by a settlement agent server (A) 1
The payment agent server (A) 1 receives the request data for depositing the service fee from the user, the service providing agent fee and the accounting agent fee into the accounting PF 9 based on the request, or the service fee from the user. And executing a payment process based on the billing data for depositing the service providing agency fee or the billing agency fee into the billing PF9 or the billing data for depositing the service fee from the user into the billing PF9.

The charging PF 9 is a charge for the service,
Billing data is created for the difference between the sum of the service providing agency fee of xSP7 for the user and the CP5 minus the accounting agency fee of the accounting PF9 for xSP7. The settlement processing based on the billing data is requested by the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement processing based on the billing data for depositing into the xSP 7 based on the request. I do.

XSP7 is CP5 from the received difference.
XSP7 service provision commission and CP for
The charge data of the difference obtained by subtracting the charge acting fee of the charge PF 9 from 5 is created. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement processing based on the billing data for depositing into the CP 5 based on the request. I do.

Next, with reference to FIGS. 15 and 16, a description will be given of a billing and settlement service acting method according to an eighth embodiment of the present invention. FIG. 15 is a diagram showing a contract relationship of each player in the accounting settlement service acting method of the eighth embodiment, and FIG. 16 is a diagram showing a flow of services and money in the eighth embodiment. The players in this embodiment are the payment agent server (A) 1, the payment agent server (B) 3, and the payment agent server, as in the first to seventh embodiments.
CP5, xSP7, charging PF9, and user terminal 11
Consists of In the eighth embodiment, the billing PF9, which is a server for a billing agent, is used by the billing PF9, which is a server for a billing agent, and a user and a CP5 are used.
Are managed independently. That is, CP5
Uses xSP7 as a service providing agent server, and also uses user management / charging agent (charging of users / information management by charging PF9) by charging PF9.

As shown in FIG. 15, the contract relationship between the players in the eighth embodiment is different from the case of the fifth embodiment shown in FIG. 9 in that the charge PF9 between xSP7 and CP5 is used. The difference is that the CP 5 concludes a usage contract for the billing PF 9 with the billing PF 9 instead of the proxy contract, and the rest is the same as the fifth embodiment.

As shown in FIG. 15, the flow of services and money in the accounting settlement service acting method according to the eighth embodiment is different from that in FIG. The difference is that the charge of the billing agent fee of the billing PF 9 to the CP 5 and the payment of the billing agent fee from the CP 5 to the billing PF 9 corresponding to the request are newly added. This is the same as the fifth embodiment shown in FIG.

That is, as shown by the reference numeral (4), in the present embodiment, the store registration work of the CP5 to the charging PF 9 ((i) as a charging executor to the user, (ii) xSP7
(Iii) as a chargeable person of the charge PF9) by the administrator of the charge PF9 based on the request of the CP5. Further, as shown by reference numerals (6) and (7), C
A bill is issued from xSP7 for the service providing agency fee of xSP7 for P5 and the billing agency fee of billing PF9, and the administrator of CP5 issues a payment agency server (B) 3
Payment is made to xSP7 and charging PF9, respectively, by bank transfer or the like. The code (1) is assigned to CP5.
As shown in 3), the sales from the user are directly paid by credit settlement by the settlement agent server (A) 1.

Next, the flow of processing in the eighth embodiment will be described as a whole.

In the eighth embodiment, the charging PF 9 manages the user and the CP 5 independently. The xSP 7 includes a charge for the CP 5 service provided to the user terminal 11, an xSP 7 service provision agency fee for the user, and the user. Data including the charging agent fee of the charging PF9 for the user, or the charging fee of the service of the CP5 provided to the user terminal 11 and the agent service providing fee of the xSP7 for the user or the charging agent fee of the charging PF9 for the user, or the user terminal The accounting data including the fee for the service of the CP5 provided to the accounting server 11 is transmitted to the accounting PF 9 to request the accounting process.

The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. The settlement process based on the billing data is requested to the settlement agent server (A) 1, and the settlement agent server (A) 1 receives a service charge from the user, a service providing agent fee, and a charging agent fee based on the request. Is charged to CP5, xSP7, and billing PF9, respectively, or the service charge from the user and the service provision agency fee or billing agency fee are respectively expressed by CP5 and xSP7 or billing P9.
A settlement process is performed based on billing data for depositing money in F9 or service data from a user for billing CP5.

The xSP 7 or the charging PF 9 creates billing data for charging the CP 5 with a service providing proxy fee and a charging proxy fee of the xSP 7 to the CP 5.
The settlement process based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 receives the service providing agent fee and the charging agent fee from the CP 5 based on the request and receives the payment from the xSP 7. And billing PF9
A payment process based on the billing data for paying the payment.

The billing PF 9 is a billing PF 9 for xSP7.
Create billing data for billing xSP7 for the charging agency fee of. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 transmits the payment data from the xSP 7 to the billing PF 9 based on the request. Execute the settlement processing based on.

Next, with reference to FIGS. 17 and 18, a description will be given of a billing and settlement service acting method according to a ninth embodiment of the present invention. FIG. 17 is a diagram showing a contract relationship of each player in the accounting settlement service acting method according to the ninth embodiment, and FIG. 18 is a diagram showing flows of services and money in the ninth embodiment. The players in the present embodiment are the payment agent server (A) 1, the payment agent server (B) 3, as in the first to eighth embodiments.
CP5, xSP7, charging PF9, and user terminal 11
Consists of In the ninth embodiment, a billing PF9, which is a server for a billing agent, is the main
P5 is managed independently, and a charging agent server P
F9 is a case where a fee is collected on behalf of a user. That is, the CP 5 uses the xSP 7 as a server for a service providing agent, and uses the user management / charging agent by the accounting PF 9 (user recruitment / information management by the accounting PF 9).

The contract relationship between the players in the ninth embodiment is, as shown in FIG. 17, the relationship between the CP 5 and the settlement agent server (A) 1 in the eighth embodiment shown in FIG. The second embodiment is different from the eighth embodiment in that a settlement institution use contract between XSP7 and a settlement institution use contract between xSP7 and settlement agent server (A) 1 is no longer necessary.

As shown in FIG. 18, the flow of services and money in the accounting settlement service acting method of the ninth embodiment is as follows. After being collected, the payment is transferred to the individual xSP 7 by bank transfer using the payment agent server (B) 3 (that is, the charge P
F9 (a fee collection agency process) is greatly different from the eighth embodiment shown in FIG.

That is, in the processing indicated by reference numeral (10) in the ninth embodiment shown in FIG. 18, the charge of the CP5 service provided to the user, the service provision agency fee of the xSP7 to the user, and the charge P
The billing agency fee of F9 is once collected in the billing PF9 by the fee collection agency process by the billing PF9. It should be noted that the credit request transaction with the credit network can be reduced depending on the credit request execution method (credit frame prefetching) in the charging PF 9. Whether the billing PF 9 clears the billing agency fee for the xSP 7 and then deposits sales depends on the operation mode. When performing clearing, sales of xSP7 to the user + xSP7 to CP5
Of the service providing agency charge-the accounting agency fee of the accounting PF 9 is transferred to the xSP 7 from the accounting PF 9 by a bank transfer or the like via the settlement agency server (B) 3 (processing indicated by reference numeral (12)).

In the case where the charging PF 9 clears the service providing agent fee for the CP 5 of the xSP 7 and the charging agent fee of the charging PF 9 and then deposits,
CP5 Sales to User-xSP7 for CP5
Service providing agency fee-the amount of the billing agency fee of the billing PF9 is changed from the billing PF9 to the settlement agency server (B)
The payment is made to CP5 by bank transfer or the like via 3 (processing indicated by reference numeral (11)).

Next, the flow of processing in the ninth embodiment will be described as a whole.

The ninth embodiment is a case where the charging PF 9 manages the user and the CP 5 independently, and the charging PF 9 substitutes for the fee collection from the user. Charge data including a fee, a service providing agency fee of the xSP7 for the user, and a billing agency fee of the CP5 for the user, or a fee for the CP5 service provided to the user terminal 11 and a service providing agency fee of the xSP7 for the user or a billing PF9 for the user. Data including the billing agency fee of CP or the CP provided to the user terminal 11
The charge data including the charge of the service No. 5 is transmitted to the charge PF 9 to request the charge processing. The billing PF 9 performs a billing process in response to the request, and creates billing data for billing the user based on the billing process. The settlement processing based on the billing data is requested to the settlement agent server (A) 1, and the settlement agent server (A) 1 receives a service charge from the user, a service providing agent fee based on the request,
And the billing data for depositing the billing agency fee into the billing PF 9 or the service fee from the user and the service providing agency fee or the billing agency fee.
A payment process is executed based on the billing data for depositing money into F9 or the billing data for depositing a service charge from a user into billing PF9.

Further, the charge PF 9 is calculated based on the service charge from the CP.
XSP7 service provision fee for C5 and C
The charge data of the difference obtained by subtracting the charge proxy fee of the charge PF9 from P5 is created. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement processing based on the billing data for depositing into the CP 5 based on the request. I do.

The charge PF 9 is a charge P for the xSP 7 based on the sum of the service provision charge of the xSP 7 for the user and the service provision charge of the xSP 7 for the CP 5.
The billing data of the difference obtained by subtracting the billing agency fee of F9 is created. The settlement processing based on the billing data is requested by the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement processing based on the billing data for depositing into the xSP 7 based on the request. I do.

Next, with reference to FIGS. 19 and 20, a description will be given of a billing and settlement service acting method according to a tenth embodiment of the present invention. FIG. 19 is a diagram showing a contract relationship of each player in the accounting settlement service acting method of the tenth embodiment, and FIG. 20 is a diagram showing a flow of services and money in the tenth embodiment. The players in this embodiment are the payment agent server (A) 1, the payment agent server (B) 3, the CP5, the xSP7, the billing PF9, and the user terminal 11 as in the first to sixth embodiments. Consists of In the tenth embodiment, the billing PF9, which is a server for a billing agent, mainly manages the user and the CP5 independently.
Reference numeral 7 denotes a case where a fee is collected from a user. That is, the CP 5 uses the xSP 7 as a server for a service providing agent, and uses the user management / charging agent by the accounting PF 9 (user recruitment / information management by the accounting PF 9).

As shown in FIG. 19, the contract relationship between the players in the tenth embodiment is the same as the ninth embodiment shown in FIG.
This is the same as in the embodiment.

As shown in FIG. 20, the flow of services and money in the accounting settlement service acting method of the tenth embodiment is as follows: sales of CP5, sales of xSP7,
After the sales of the charging PF 9 are once collected in the charging PF 9, the collected sales are transferred from the charging PF 9 to the xSP 7, and the payment agent server (B) 3 is used in a cascade such as from the xSP 7 to the CP 5. The difference from the ninth embodiment shown in FIG. 18 lies in that the transfer is made by bank transfer, and the other points are basically the same.

That is, the tenth embodiment shown in FIG.
In the process indicated by reference numeral (11) in the
CP5 service fee, xSP7 for users
Service provision commission and user billing
PF9 billing agency fee is charged by PF9
Once collected in the billing PF9 by proxy processing, settlement
Section by bank transfer etc. by the agency server (B) 3
Money was transferred from PF9 to xSP7, and from xSP7
Cascaded like being transferred to CP5
You. Note that the method of executing a credit request in the charging PF 9 (the credit
In some cases, transacting credit transactions with the credit network
Action can be reduced. Billing PF9 against xSP7
Clear the billing agency fee to be paid and then deposit the sales
Whether to do so depends on the operation mode. Clearing
In this case, xSP7 sales to user + CP5
XSP7 service provision commission + user
Of CP5 to be charged-charging of charging PF9 for xSP7
Agency Fee-Number of Agents for Billing PF9 for CP5
The amount of the fee is changed from the charging PF9 to the payment agent server (B)
Deposited in xSP7 by bank transfer etc. via 3
(Process indicated by reference numeral (12)).

Whether or not xSP7 clears the service providing agency fee for CP5 and then deposits sales depends on the operation mode. In the case of clearing, the sales of CP5 to the user minus the xSP7 for CP5 are performed. The service providing agency fee-the amount of the billing agency fee of the billing PF 9 is transferred from the xSP 7 to the CP 5 via a bank transfer or the like via the settlement agency server (B) 3 (process indicated by reference numeral (3)).

Next, the flow of processing in the tenth embodiment will be described as a whole.

The tenth embodiment is a case where the charging PF 9 manages the user and the CP 5 independently, and the charging PF 9 uses the xSP 7 to collect charges from the user.
7 is billing data including a fee for the CP5 service provided to the user terminal 11, a service providing agency fee of xSP7 for the user, and a billing agent fee of the billing PF9 for the user, or C provided to the user terminal 11.
P5 service charge and xSP7 service provision agency fee for user or charging PF for user
The charging data including the charging proxy fee of No. 9 or the charging data including the charge of the CP5 service provided to the user terminal 11 is transmitted to the charging PF 9 to request a charging process.

The billing PF 9 performs billing processing in response to the request, and creates billing data for billing the user based on the billing processing. The settlement process based on the billing data is requested to the settlement agent server (A) 1, and the settlement agent server (A) 1 receives a service charge, a service providing agent fee, and a charging agent fee from the user based on the request. Billing data for depositing into the billing PF9, or billing data for depositing a service charge and a service providing agency fee or a billing agency fee from a user into the billing PF9, or a billing PF9 with a service fee from the user.
Execute the settlement process based on the billing data for depositing the money.

Further, the charging PF 9 is charge data of a difference obtained by subtracting the charging proxy fee of the charging PF 9 for the xSP 7 and the charging proxy fee of the charging PF 9 for the CP 5 from the sum of the service fee, the service providing proxy fee of the xSP 7 for the user and the CP 5. create. The settlement processing based on the billing data is requested to the settlement agent server (B) 3, and the settlement agent server (B) 3 receives x based on the request.
The settlement processing based on the billing data for depositing into SP7 is executed.

The xSP7 creates billing data of the difference obtained by subtracting the xSP7 service provision agency fee for the CP5 and the accounting agency fee of the accounting PF9 for the CP5 from the received difference. The settlement process based on the billing data is requested by the settlement agent server (B) 3, and the settlement agent server (B) 3 executes the settlement process based on the billing data for depositing into the CP 5 based on the request. .

In each of the above-described embodiments, the settlement processing for the billing data can be performed via a network such as the Internet, or can be performed using electronic money.

[0185]

As described above, according to the present invention,
The service providing agent provides the service to the user terminal using the service providing agent server on behalf of the service provider, and requests the charging agent server to perform a billing process for the service of the service provider. Server performs the billing process, creates billing data for billing the user for the service, and the payment agency server performs the payment process based on the billing data. Not only do not need to perform billing and settlement processing, but also do not need to perform unfamiliar tasks such as securing users, providing services to users, or building sales channels or means, and can concentrate on the original research and development. . In addition, flexibility can be given to a method of performing a billing operation and a settlement operation.

[Brief description of the drawings]

FIG. 1 is a diagram showing a contract relationship of each player in a billing and settlement service acting method according to a first embodiment of the present invention.

FIG. 2 is a diagram showing flows of services and money in the billing and settlement service acting method according to the first embodiment of the present invention.

FIG. 3 is a diagram showing a contract relationship between players in a billing and settlement service acting method according to a second embodiment of the present invention.

FIG. 4 is a diagram showing flows of services and money in a billing and settlement service acting method according to a second embodiment of the present invention.

FIG. 5 is a diagram showing a contract relationship of each player in a billing and settlement service acting method according to a third embodiment of the present invention.

FIG. 6 is a diagram showing flows of services and money in a billing and settlement service acting method according to a third embodiment of the present invention.

FIG. 7 is a diagram showing a contract relationship of each player in a billing and settlement service acting method according to a fourth embodiment of the present invention.

FIG. 8 is a diagram showing flows of services and money in a billing and settlement service acting method according to a fourth embodiment of the present invention.

FIG. 9 is a view showing a contract relationship of each player in a billing and settlement service acting method according to a fifth embodiment of the present invention.

FIG. 10 is a diagram showing flows of services and money in a billing and settlement service acting method according to a fifth embodiment of the present invention.

FIG. 11 is a diagram showing a contract relationship of each player in a billing and settlement service acting method according to a sixth embodiment of the present invention.

FIG. 12 is a diagram showing flows of services and money in a billing and settlement service acting method according to a sixth embodiment of the present invention.

FIG. 13 is a diagram showing a contract relationship of each player in a charging and settlement service acting method according to a seventh embodiment of the present invention.

FIG. 14 is a diagram showing a flow of services and money in a billing and settlement service acting method according to a seventh embodiment of the present invention.

FIG. 15 is a diagram showing a contract relationship of each player in a billing and settlement service acting method according to an eighth embodiment of the present invention.

FIG. 16 is a diagram showing flows of services and money in a billing and settlement business acting method according to an eighth embodiment of the present invention.

FIG. 17 is a diagram showing a contract relationship of each player in the charge settlement business acting method according to the ninth embodiment of the present invention.

FIG. 18 is a diagram showing a service and a flow of money in a charging and settlement business acting method according to a ninth embodiment of the present invention.

FIG. 19 is a diagram showing a contract relationship of each player in the billing and settlement service acting method according to the tenth embodiment of the present invention.

FIG. 20 is a diagram showing a flow of services and money in a billing and settlement service acting method according to a tenth embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Settlement agency server (A) 3 Settlement agency server (B) 5 CP 7 xSP 9 Charging PF 11 User terminal

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 ZEC G06F 17/60 ZEC

Claims (21)

[Claims] 1. A billing / payment service proxy method for a billing / payment service on behalf of a service provided by a service provider to a user, wherein the server for the service providing proxy is a network for the service provider. Providing a service to the user terminal through the service terminal, requesting the server for the charging agent to perform a charging process for the service of the provided service provider, and the server for the charging agent performs the charging process for the service on behalf of the server, A billing data for billing the user for the service is created, and a settlement process for the billing data is requested to a settlement agency server, and the service providing agency server or the billing agency server communicates with the service provider. Providing the service providing agency commission of the service providing agency Billing data for invoicing the service provider, and a settlement process based on the billing data is requested to the server for the settlement agency, and the server for the billing agency disposes of a billing agency fee of the server for the billing agency for the service providing agency. Creates billing data for billing a service providing agency, and a settlement process based on the billing data is requested to a settlement agency server, and the settlement agency server responds to the settlement processing request based on the billing data. A billing and settlement business acting method characterized by performing settlement processing on behalf of the user. 2. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service of the service provider provided to the user terminal via the network. By doing so, the billing agent server performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement business acting method for performing the settlement processing based on the request in response to the settlement processing request,
In the case where the service providing agent manages the service provider independently and the service provider manages the user independently using the server for the charging agent, the server for the service providing agent provides the user terminal. To transmit the charging data of the service of the service provider to the server for the charging agent and request a charging process, the server for the charging agent performs the charging process in response to the request, and charges the user for the fee of the service. Is settled, and the settlement processing based on the billing data is requested to the settlement agent server. The settlement agent server converts the billing data for paying the payment from the user to the service provider based on the request. Executes the payment processing based on the service, and the server for the service provider or the server for the billing agent performs the service for the service provider. The billing data for billing the service provider for the service providing fee and the billing proxy fee of the providing agency is created, and the settlement processing based on the billing data is requested to the settlement agency server, and the settlement agency server Executing a settlement process based on the billing data for paying a payment from the service provider to the service providing agent based on the request; the charging agent server is a charging agent fee of the charging agent server for the service providing agent; To the service providing agent, the settlement processing based on the billing data is requested to the server for the settlement agent, and the server for the settlement agent receives the payment from the service providing agent based on the request. Executing payment processing based on the billing data for paying Billing and settlement agency services method. 3. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service provided by the user via the network to the user terminal. By doing so, the billing agent server performs the billing process for the service, bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement service acting method for performing the settlement processing based on the bill in response to the settlement processing request, wherein the service providing agency independently operates the user and the service provider by using the accounting agency server. In the case of management, the server for the service providing agent Charging data including the service charge of the service provider and the service providing service fee of the service providing service provider for the user or the charging data including the service service service fee provided to the user terminal to the server for the charging service provider for charging. The server for billing agent performs a billing process in accordance with the request, creates billing data for making a billing based on the billing process to the user, and performs a billing process based on the billing data. The settlement server is requested by the settlement server, and the settlement agent server deposits the service fee from the user into the service provider based on the request, and the billing data for depositing the service provision agency fee from the user to the service provider. The service fee for depositing the service fee from the user based on the request to the service provider; Executes the settlement process based on the billing data, and the server for the service providing agent or the server for the charging agent performs a billing for charging the service provider the service providing agent fee and the charging agent fee for the service provider to the service provider. Data is created, and settlement processing based on the billing data is requested to a settlement agency server, and the settlement agency server receives the request from the billing data for paying a deposit from the service provider to the service providing agency based on the request. The billing agent server creates billing data for billing the service providing agent for the billing agency fee for the service providing agent, and performs the payment process based on the billing data. Requested by the payment agent server, the payment agent server is based on the request. A settlement process based on the billing data for paying a deposit from the service providing agent to the accounting agent. 4. The service providing agent uses the service providing agent server instead of the service provider, and requests the charging agent server to perform a charging process for the service provided by the user through the network to the user terminal. By doing so, the billing agent server performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement service acting method for performing the settlement processing based on the bill in response to the settlement processing request, wherein the service providing agency independently operates the user and the service provider by using the accounting agency server. Manage and provide service providers to collect fees from users on behalf of service providers The service providing agent server is provided with charging data including a service provider service fee provided to the user terminal and a service providing agent service providing agent fee for the user or a service provided to the user terminal. The accounting data including the service charge of the agent is transmitted to the accounting agent server to request accounting, and the accounting agent server performs accounting in response to the request, and issues a charge based on the accounting to the user. The billing data to be made is created, and the settlement processing based on the billing data is requested to the settlement agency server, and the settlement agency server provides the service fee and the service offer agency fee from the user based on the request. Service from the user based on the billing data or the request for depositing money to the trader A settlement process based on the billing data for depositing the service fee into the service providing agent server, and the service providing agent server provides the service providing agent service to the service provider based on the received service fee. The billing data of the difference obtained by subtracting the agency fee is created, and the settlement processing based on the billing data is requested to the server for the settlement agency, and the server for the settlement agency receives the request for depositing the service provider based on the request. A payment process is performed based on the data, and the billing agent server creates billing data for billing the service providing agent for a billing agency fee of the billing agent to the service providing agent, and performs a payment process based on the billing data. Is requested by the settlement agent server, and the settlement agent server is serviced based on the request. A billing / payment service agency method, comprising: performing a billing process based on the billing data for paying a deposit from a service providing agency to a billing agency server. 5. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service of the service provider provided to the user terminal via the network. By doing so, the billing agent server performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement service acting method for performing the settlement processing based on the billing in response to the settlement processing request. The service providing agency independently manages the user by using the billing agency server, and performs billing. In the case where the agent manages the service provider independently, the service agent server is Charge data including the service charge of the service provider provided to the user terminal and the service charge of the service provider provided to the user, or the charge data including the charge of the service provided by the service provider provided to the user terminal. A request is sent to the server for billing processing. The billing agent server performs billing processing in response to the request, creates billing data for billing the user based on the billing processing, and creates a billing data based on the billing data. The settlement processing is requested by the settlement agent server, and the settlement agent server deposits the service fee from the user to the service provider based on the request, and deposits the service provision agent fee from the user to the service agent. Service fee from the user based on the billing data or the request for Carrying out settlement processing based on the billing data for depositing into the service provider, the service providing service server or the charging service server providing the service providing service fee and the charging service fee of the service providing service to the service provider. Creates billing data for billing a trader, and a settlement process based on the billing data is requested to a settlement agency server, and the settlement agency server receives the payment from the service provider based on the request and provides the payment from the service provider. Executing a payment process based on the billing data for paying the billing agent, the billing agency server creates billing data for billing the service provider for a billing agency fee for the billing agency for the service provider, and generating the billing data. The settlement processing based on the request is requested to the settlement agent server, and the settlement agent The server executes a settlement process based on the billing data for paying a deposit from the service provider to the billing agent based on the request, and the billing agent server reduces the fee of the billing agent for the service providing agent. Create billing data for billing the service providing agent, and perform a payment process based on the billing data to the server for the payment agent, and the server for the payment agent receives payment from the service providing agent based on the request. A billing / payment service agent method, comprising performing a payment process based on the billing data for paying a billing agency. 6. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service provided by the service provider to the user terminal via the network. By doing so, the billing agent server performs the billing process for the service, bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement business acting method for performing the settlement processing based on the request in response to the settlement processing request,
In the case where the service providing agent manages the service provider independently and the charging agent manages the user independently using the server for the charging agent, the server for the service providing agent provides the user terminal. Charge data including the service provider's service charge, the service providing agent's service providing agent fee for the user, and the charging agent's charging agent fee for the user, or the service provider's service fee provided to the user terminal and the user's charge The charging data including the service providing agency fee of the service providing agency or the billing agency fee of the charging agency to the user, or the billing data including the service fee of the service provider provided to the user terminal is transmitted to the accounting agency server. Request billing processing, and billing agency The server for billing performs billing processing in response to the request, creates billing data for billing the user based on the billing processing, and performs the billing processing based on the billing data to the server for the billing agency, The server for the trader receives the service fee from the user based on the request, the service providing agency fee, and the billing agency fee, respectively, into the service provider, the service providing agency, and the billing data for depositing the billing agency, or from the user. Billing data for depositing the service fee and the service providing agency fee or the billing agency fee of the service provider and the service providing agency or the billing agency respectively, or a bill for depositing the service fee from the user to the service provider. Execute payment processing based on data and provide service The server for the service provider or the server for the billing agent creates billing data for billing the service provider for the service providing agency fee and the billing agency fee of the service provider to the service provider. The settlement agent server is requested by the settlement agent server, and the settlement agent server is based on the billing data for paying the service providing agent fee and the billing agent fee from the service provider to the service providing agent server based on the request. The payment processing server executes the payment processing, the charging agent server creates billing data for billing the service providing agent for the billing proxy fee of the charging agent to the service providing agent, and the payment processing based on the billing data is performed by the payment agent. The server for the payment agent is requested by the server for the A settlement process based on the billing data for paying a deposit from a service providing agency to the accounting agency. 7. A service providing agent uses a service providing agent server in place of a service provider, and requests the charging agent server to perform a charging process for a service provided by a user provided to a user terminal via a network. By doing so, the billing agent server performs the billing process for the service, bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement business acting method for performing the settlement processing based on the bill in response to the settlement processing request. The service providing agency independently manages the service provider by using a billing agent server. , Where the billing agent manages the user independently and the billing agent collects the fee from the user. Wherein the server for the service providing agent is charging data including a service fee of the service provider provided to the user terminal, a service providing agent fee for the service providing agent for the user, and a charging agent fee for the charging agent for the user, Or charging data including a service charge of the service provider provided to the user terminal and a service providing agent fee of the service providing agent for the user or a charging agent fee of the charging agent for the user; To transmit billing data including the service fee to the billing agent server to request billing processing, the billing agent server performs billing processing in response to the request, and bills the user based on the billing processing. Create billing data based on the billing data The settlement process is requested by the settlement agent server, and the settlement agent server receives the request for depositing the service fee, the service providing agent fee, and the billing agent fee from the user based on the request. The billing data for depositing the data or the service fee from the user and the service providing agency fee or the billing agency fee into the server for the billing agency, or the billing data for depositing the service fee from the user into the server for the billing agency. Executing a settlement process based on the billing data, the billing agent server calculates the difference between the service fee and the service providing agent fee for the service provider and the charging agent fee for the service agent. Create billing data and create The payment processing is requested by the payment agent server, the payment agent server executes the payment processing based on the billing data for depositing the service provider based on the request, and the charging agent server is the user. Difference between the sum of the service providing agent fee of the service providing agent server for the service providing agent and the service providing agent fee of the service providing agent server for the service provider, minus the charging agent fee of the charging agent server for the service providing agent. Is settled on the basis of the billing data, and the settlement processing based on the billing data is requested by the settlement agent server, and the settlement agent server is settled on the basis of the billing data for depositing the service providing agent based on the request. And a billing and settlement business acting method. 8. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service of the service provider provided to the user terminal via the network. By doing so, the billing agent server performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement business acting method for performing the settlement processing based on the request in response to the settlement processing request,
Using the server for the charging agent, the service agent independently manages the service provider, the charging agent independently manages the user, and the charging agent and the service agent collect the fee from the user. In this case, the service providing agent server includes a service fee of the service provider provided to the user terminal, a service providing agent fee of the service providing agent for the user, and a charging agent fee of the charging agent for the user. Billing data, or billing data including the service provider's service charge provided to the user terminal and the service providing agency's service providing agency fee for the user or the user's accounting agency's billing agency fee, or the service provided to the user terminal Includes fees for provider services The billing data is transmitted to the billing agent server to request a billing process. The billing agent server performs the billing process in response to the request, and creates billing data for billing the user based on the billing process. The settlement process based on the billing data is requested by the settlement agent server, and the settlement agent server deposits the service fee, the service providing agent fee, and the charging agent fee from the user to the charging agent based on the request. The billing data for charging the service fee and the service providing agency fee or the billing agency fee from the user to the billing agency, or the billing data for depositing the service fee from the user to the billing agency. Executes the payment process based on the billing data, and the server for the billing agent And billing data of the difference obtained by subtracting the billing agency fee of the billing agency server for the service agency from the sum of the service agency fee of the service agency for the service provider, and the settlement processing based on the billing data Requested by the settlement agent server, the settlement agent server executes settlement processing based on the billing data for depositing the service providing agent based on the request, and the service providing agent server receives the deposit. Creates billing data of the difference obtained by subtracting the service providing agency fee of the service providing agency for the service provider and the charging agency fee of the charging agency for the service provider from the amount, and performing the settlement processing based on the billing data for the payment agency. Requested by the server, the payment agent server Billing and settlement agency services wherein performing said settlement processing based on the billing data for payment to the service provider based. 9. The service providing agent uses the service providing agent server in place of the service provider, and requests the charging agent server to perform a charging process for the service of the service provider provided to the user terminal via the network. By doing so, the billing agent server performs the billing process for the service and bills the user for the service, and the settlement process for the bill is requested to the settlement agency server, and the settlement agency server Is a billing and settlement service acting method for performing the settlement processing based on the bill in response to the settlement processing request. The billing agent independently manages the user and the service provider using the billing agent server. The service provider agent server provides the service provider service provided to the user terminal. Charge data including the service charge of the service provider, the service providing agency fee of the service providing agency for the user, and the charging agency fee of the charging agency for the user, or the service fee of the service provider provided to the user terminal and the service providing agency for the user. Billing data including a service providing agency fee of a service provider or a billing agency fee of a billing agency for a user, or billing data including a service fee of a service provider provided to a user terminal is transmitted to a server for a billing agency to perform billing processing. The billing agent server performs a billing process in accordance with the request, creates billing data for billing the user based on the billing process, and performs a billing process based on the billing data for the billing agency. Request to the server, and the payment agent server Billing data for depositing a service fee, a service providing agency fee, and a billing agency fee from a user into a service provider, a service providing agency, and a billing agency, respectively, or a service fee and a service providing agency from a user. Executes payment processing based on billing data for depositing a commission or billing agency fee into a service provider and a service provider or billing agency, respectively, or billing data for depositing a service fee from a user into a service provider. The server for the service providing agent or the server for the billing agent creates billing data for billing the service provider for the service providing agency fee and the billing agency fee of the service providing agency to the service provider. Based on The payment processing is requested by the payment agent server, and the payment agent server pays the service provider fee and the charging agent fee from the service provider to the service agent and the charging agent based on the request. Executing a settlement process based on the billing data for the billing agent, the billing agency server creates billing data for billing the billing agency fee for the billing agency to the service providing agency to the service providing agency server, The settlement process based on the billing data is requested by the settlement agent server, and the settlement agent server performs the settlement process based on the billing data for paying the deposit from the service providing agent server to the billing agent based on the request. And a billing and settlement service acting method. 10. A service providing agent uses a service providing agent server on behalf of a service provider,
By requesting a server for a charging agent to perform a charging process for a service of a service provider provided to a user terminal via a network, the server for a charging agent substitutes for a charging process for the service, and a user is charged for the service. And the settlement process for the request is requested to the settlement agent server, and the settlement agent server performs the settlement process based on the request in response to the settlement processing request by a billing settlement business acting method. A case where the charging agent independently manages the user and the service provider using the charging agent server, and the charging agent collects the fee from the user; Is the fee of the service provided by the service provider provided to the user terminal, the service providing agency for the user Data including the service providing agency fee of the service provider and the billing agency of the charging agency for the user, or the fee of the service of the service provider provided to the user terminal and the service providing agency fee of the service providing agency for the user or the charging for the user The accounting data including the accounting agency fee of the agency or the accounting data including the service fee of the service provider provided to the user terminal is transmitted to the server for the accounting agency to request an accounting process. A billing process is performed in response to the request, and billing data for performing a billing based on the billing process to a user is created. The payment process based on the billing data is requested by a payment agent server, and the payment agent server Is the service charge from the user based on the request, the number of service provider The billing data for depositing the billing agency fee into the billing agency server, or the billing data for depositing the service fee and the service providing agency fee or the billing agency fee from the user into the billing agency server, Alternatively, a payment process is performed based on the billing data for depositing a service fee from a user into a server for a billing agent, and the server for a billing agent performs a service providing agent for the service provider to the service provider based on the service fee. Creates billing data of the difference obtained by subtracting the commission and the billing agency fee of the billing agency for the service provider, and a settlement process based on the billing data is requested to the settlement agency server, and the settlement agency server responds to the request. The billing date for depositing the service provider based on The server for the billing agent provides the service from the sum of the service providing agent fee of the server for the service providing agent for the user and the service providing agent fee of the server for the service providing agent for the service provider. A billing data of the difference obtained by subtracting the billing agency fee of the billing agency server from the agency is created, and a settlement process based on the billing data is requested to the settlement agency server, and the settlement agency server is based on the request. A billing / payment service agent method, comprising: performing a payment process based on the billing data for depositing the money into a service providing agency. 11. A service providing agent uses a service providing agent server on behalf of a service provider,
By requesting a server for a charging agent to perform a charging process for a service of a service provider provided to a user terminal via a network, the server for a charging agent substitutes for a charging process for the service, and a user is charged for the service. And the settlement process for the request is requested to the settlement agent server, and the settlement agent server performs the settlement process based on the request in response to the settlement processing request by a billing settlement business acting method. In the case where the charging agent independently manages the user and the service provider using the charging agent server and the charging agent and the service providing agent collect charges from the user, the service The service provider server is the service provider's service fee provided to the user terminal, the user Data including the service providing agency fee of the service providing agency for the user and the charging agency fee of the charging agency for the user, or the service provider's service fee provided to the user terminal and the service providing agent's service providing agent for the user. The server transmits billing data including a fee or a billing agency fee of a billing agency to a user or billing data including a service fee of a service provider provided to a user terminal to a server for a billing agency to request a billing process, and billing is performed. The agency server performs a billing process in response to the request, creates billing data for billing the user based on the billing process, and a settlement process based on the billing data is requested to the settlement agency server, The payment agent server provides services from the user based on the request. The billing data for depositing money, service providing agency fee and billing agency fee to the billing agency, or the billing data for depositing the service fee from the user and the service providing agency fee or billing agency fee to the billing agency. Or a settlement process based on the billing data for depositing the service fee from the user to the billing agent. The server for the billing agent provides the service charge to the user and the service provider. A billing data of a difference obtained by subtracting a billing agency fee of the billing agency server for the service providing agency from a sum of the agency agency fee and a billing agency fee of the billing agency for the service provider is created, and a settlement process based on the billing data is performed. Is requested to the payment agent server The payment agent server executes a payment process based on the billing data for depositing the service agent on the basis of the request, and the service agent server provides the service to the service agent from the received difference. Creates billing data of the difference obtained by subtracting the service providing agency fee of the agency and the billing agency fee of the billing agency for the service provider, and the settlement processing based on the billing data is requested to the settlement agency server, A payment server for executing a payment process based on the billing data for depositing a service provider based on the request. 12. The settlement process for the billing data,
The method according to any one of claims 1 to 11, wherein the method is performed via a network. 13. The settlement process for the billing data,
2. The method is performed using electronic money.
12. The billing and settlement business acting method according to any one of items 11 to 11. 14. A server for a billing agent that performs a billing operation for a service of a service provider provided to a user terminal by a service providing agent on behalf of the service provider by using the server for the service providing agent, Means for performing a billing process in response to a billing process request based on service billing data of a service provider provided to a user terminal, and generating billing data for billing a user for the service fee; Means for creating billing data for billing the service providing agent for the charging agent's fee for the agent. 15. A server for a charging agent that performs a charging operation for a service of the service provider provided to the user terminal by the service providing agent on behalf of the service provider using the server for the service providing agent, The charge processing based on the charge data including the service charge of the service provider provided to the user terminal and the service provision agency fee of the service provider for the user or the charge data including the service charge of the service provider provided to the user terminal. Means for performing billing processing in response to a request and generating billing data for billing the user based on the billing processing; and billing the service providing agent for a billing agency fee of the billing agency for the service providing agency. Means for creating claim data of Billing agency for the server. 16. A server for a billing agent that performs a billing operation for a service of a service provider provided to a user terminal by a service provider on behalf of the service provider using the server for the service provider, The charge processing based on the charge data including the service charge of the service provider provided to the user terminal and the service provision agency fee of the service provider for the user or the charge data including the service charge of the service provider provided to the user terminal. Means for performing billing processing in response to the request and generating billing data for billing the user based on the billing processing; and billing for billing the service provider a billing agency fee to the service provider. The means to create the data and the service provider Means for creating billing data for billing the service providing agent for the charging agent fee of the charging agent. 17. A server for a charging agent that performs a charging operation for a service of the service provider provided to the user terminal by the service providing agent on behalf of the service provider using the server for the service providing agent, Billing data including the service charge of the service provider provided to the user terminal, the service providing agent fee of the service providing agent for the user, and the charging agent fee of the charging agent for the user, or the service of the service provider provided to the user terminal Processing based on the accounting data including the service charge of the service provider for the user or the service provider fee of the service provider for the user, or the fee for the service of the service provider provided to the user terminal. To request Means for generating billing data for performing a billing process based on the billing process to the user, and a billing fee for billing the service providing agent to the service providing agent. And a means for creating data. 18. A server for a charging agent that performs a charging operation for a service of the service provider provided to the user terminal by the service providing agent on behalf of the service provider by using the server for the service providing agent, Billing data including the service charge of the service provider provided to the user terminal, the service providing agent fee of the service providing agent for the user, and the charging agent fee of the charging agent for the user, or the service of the service provider provided to the user terminal Processing based on the accounting data including the service charge of the service provider for the user or the service provider fee of the service provider for the user, or the fee for the service of the service provider provided to the user terminal. To request Means for performing billing processing, and generating billing data for billing the user based on the billing processing; and a service providing agent fee for the service providing agent for the service provider and charging for the service provider from the service fee. Means for creating billing data of the difference obtained by subtracting the billing agency fee of the agency; and a service based on the sum of the service agency fee of the service agency for the user and the service agency fee of the service agency for the service provider. Means for creating billing data of a difference obtained by subtracting a billing agency fee of the billing agency from the providing agency. 19. A server for a charging agent that performs a charging operation for a service of the service provider provided to the user terminal by the service providing agent on behalf of the service provider using the server for the service providing agent, Billing data including the service charge of the service provider provided to the user terminal, the service providing agent fee of the service providing agent for the user, and the charging agent fee of the charging agent for the user, or the service of the service provider provided to the user terminal Processing based on the accounting data including the service charge of the service provider for the user or the service provider fee of the service provider for the user, or the fee for the service of the service provider provided to the user terminal. To request Means for generating billing data for performing a billing process based on the billing process to a user, and a sum of a charge of the service, a service providing agency fee of the service providing agency for the user and the service provider. A server for a billing agent, comprising means for creating billing data of a difference obtained by subtracting a billing agent fee of a server for a billing agent for a service providing agent and a billing agent fee of a billing agent for a service provider. . 20. A server for a billing agent that substitutes for the service of the service provider provided to the user terminal by the service provider on behalf of the service provider using the server for the service provider, Billing data including the service charge of the service provider provided to the user terminal, the service providing agent fee of the service providing agent for the user, and the charging agent fee of the charging agent for the user, or the service of the service provider provided to the user terminal Processing based on the accounting data including the service charge of the service provider for the user or the service provider fee of the service provider for the user, or the fee for the service of the service provider provided to the user terminal. To request Means for preparing billing data for performing a billing process based on the billing process to the user, and billing a billing agency fee for the billing agent to the service providing agency to the service providing agency server. Means for creating billing data of the accounting agent. 21. A billing agent server for performing a billing operation for a service of a service provider provided to a user terminal by a service provider on behalf of the service provider by using the service provider server, Billing data including the service charge of the service provider provided to the user terminal, the service providing agent fee of the service providing agent for the user, and the charging agent fee of the charging agent for the user, or the service of the service provider provided to the user terminal Processing based on the accounting data including the service charge of the service provider for the user or the service provider fee of the service provider for the user, or the fee for the service of the service provider provided to the user terminal. To request Means for performing billing processing, and generating billing data for billing the user based on the billing processing; and a service providing agent fee for the service providing agent for the service provider and charging for the service provider from the service fee. Means for creating billing data of a difference obtained by subtracting a billing agency fee of the agency; and a service based on a sum of a service agency fee of the service agency for the user and a service agency fee of the service agency for the service provider. Means for creating billing data of a difference obtained by subtracting a billing agency fee of the billing agency server from the providing agency.