JP2003091691A - Bill payment method and system for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a bill payment method and a system therefor that keep personal information unexposed at a store and enables a quick completion of a contract. SOLUTION: The bill payment method permits a party to application to confirm payment through computer processing via a finance company when a user pays a bill to be paid to the party to application at a given store. The user uses a payment form where information data that are recognition-patterned application information are described in advance to pay the bill at the given store, and fills out an application blank to send it to the part to application. The given store uses a reading terminal to read in the information data, and transmits the information data to the finance company. The party to application compares information data in the application blank sent from the user and the information data transmitted to the finance company through computer processing to confirm the payment of the bill by the user.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method and system for payment of a payment to an applicant to a predetermined store such as a convenience store.

[0002]

2. Description of the Related Art Generally, when a user applies for life insurance, non-life insurance, etc., the user obtains a prescribed application form, describes the desired insurance type and personal information of various users in the application form, and makes a contract. Person, and mail the application form to the insurance company to which the application is made or the insurance association as shown in FIG. Next, the application receiving the application form prepares documents such as payment slips that describe the payment amount that the user should pay, personal information such as the user's address, name, telephone number, and necessary barcoded information. And send it to the user. Here, in addition to the payment slip, documents such as the payment slip include a receipt, a copy of the store, a copy of the store headquarters, a payment handling slip for the application destination, etc. The personal information such as the payment amount and the user's address is clearly stated in.

When the user receives documents such as payment slips from the applicant, submits the documents such as payment slips to a predetermined store such as a convenience store, a supermarket, or a financial institution, pays the fee, and sends documents such as payment slips. You will receive a receipt with a receipt stamp from it. On the other hand, at the store, the barcode of documents such as payment slips is read by the reading terminal of the POS system for payment, information data is sent to the server of the store headquarters, etc. store.
Here, the POS system is a point-of-sale information management system used for cash registers and merchandise management. By reading a bar code with a reading terminal, the bar code is transmitted to a server such as a store headquarters via a telecommunication line, and the server side It is a system that can manage product inventory and sales status. Note that the copy of the store headquarters, which is provided in documents such as the payment slip, and the payment handling slip for the application destination are appropriately sent to the store headquarters or the application destination after a predetermined period of time after the user payment.

When the information data is sent to the server of the store headquarters or the like, the server of the store headquarters or the like transmits the information data to the server of the finance company via the electric communication line, and the finance company records the information data. It is sent from the finance company's server to the application server via the telecommunication line.

At the application destination, the information data of the application form first mailed to the user is compared with the information data transmitted from the finance company by computer processing of the server, and if they match, there is a payment from the user. After recognizing that the insurance certificate is mailed to the user, payment confirmation is completed. Also, if the information data of the application form and the information data sent from the finance company are compared and they do not match, it is recognized that there is no payment from the user and it waits for a notification from the finance company, After waiting for a predetermined number of days, notify the user that payment cannot be confirmed.
Here, general techniques of a method and system for paying an insurance premium and making a contract are disclosed, for example, in the following Patent Documents 1 to 4.

[0006]

[Patent Document 1] Japanese Patent Laid-Open No. 2002-163454

[Patent Document 2] Japanese Patent Laid-Open No. 2002-49760

[Patent Document 3] Japanese Patent Laid-Open No. 2001-306811

[Patent Document 4] Japanese Patent Laid-Open No. 2000-298686

[0007]

However, as in the conventional example, the payment slip and other documents sent from the applicant include the barcode and personal information such as address and telephone number so that anyone can read it. However, there is a problem in that personal information cannot be sufficiently protected because the personal information is exposed to a clerk at the store. In addition, insurance application is interpreted as a contract being concluded at the time of payment, so even if the application form is sent to the application, if the payment of the application price is delayed, the contract will be delayed, There was a problem that insurance payment could not be received if an insurance payment event occurred.

In view of the above situation, the present invention is intended to provide a payment method and system for preventing personal information from being exposed in a store and enabling a contract to be established quickly. is there.

[0009]

According to a first aspect of the present invention, a user pays a payment to an applicant to a predetermined store, and a payment is made at the applicant by computer processing via a finance company. A payment method for confirmation, wherein the user pays the price at a predetermined store by a payment slip in which information data in which the application information is recognized and patterned is described in advance, and an application in which the information data of the application information is described in advance. Please fill in the required items on the form and send it to the application destination, the predetermined store sends the information data to the finance company via the electric communication line by reading the information data with the reading terminal, and the application destination is from the user The information data of the sent application form and the information data sent to the finance company are compared by computer processing to support the user's payment. It relates to the payment method of the price which is characterized in that to make sure have.

[0010] The invention according to claim 2 of the present invention is a method of paying a payment, wherein a user pays the payment to an application destination to a predetermined store, and the application determines the payment by computer processing. The user pays the price at a predetermined store using a payment slip in which the information data in which the application information is recognized and is described in advance, and fills in the application form in which the information data of the application information is described in advance and fills in the application destination. The predetermined store sends the information data to the application destination through an electric communication line by reading the information data using a reading terminal, and the application destination stores the information data of the application form sent from the user. Characterized in that the payment of the user's price is confirmed by comparing the information data transmitted from a predetermined store using an electric communication line by computer processing. It relates to a method of payment of the price.

The invention according to claim 3 of the present invention relates to the payment method according to claim 1 or 2, wherein the user pays the price using a payment slip and an application form placed in a predetermined store. It is a thing.

The invention according to claim 4 of the present invention relates to the payment method according to claim 1, 2 or 3 in which reading and transmission of information data at a predetermined store is performed using a POS system. is there.

The invention according to claim 5 of the present invention is the payment method according to claim 1, 3 or 4, wherein the information data transmitted to the finance company is transmitted to the applicant through an electric communication line. It is related to.

[0016] In the invention according to claim 6 of the present invention, the information data transmitted to the finance company is transmitted to the applicant using an electric communication line at the request of the applicant. It relates to the payment method of the price.

In the invention according to claim 7 of the present invention, the price is application for insurance and payment of insurance fee, application for transportation and payment of fee, application for various tests and payment of examination fee,
The present invention relates to the payment method according to any one of claims 1 to 6, which is selected from application for membership of various groups and payment of membership fee, repayment of debt from consumer finance, and payment of utility charges.

The invention according to claim 8 of the present invention is preliminarily provided with information data in which application information is recognized and patterned, and a payment means for a user to pay a predetermined store, and information data of application information in advance. And an application means that the user sends necessary information to the application destination, and a reading means installed in the store to read the information data of the payment means,
Comparison confirming means for comparing the information data transmitted from the reading means to the finance company with the information data transmitted to the finance company and the information data of the application means sent by the user to confirm the user's payment. The present invention relates to a payment system for payment.

The invention according to claim 9 of the present invention is preliminarily provided with information data in which application information is recognized and patterned, and a payment means for a user to pay a predetermined store, and information data of application information in advance. And an application means that the user sends necessary information to the application destination, and a reading means installed in the store to read the information data of the payment means,
Comparison confirming means for comparing the information data transmitted to the application destination with the transmitting means for transmitting the information data from the reading means to the application destination, and confirming the user's payment by comparing the information data of the application means transmitted by the user. The present invention relates to a payment system for payment.

Thus, the claim 1, 2, 7, 8 or 9
According to any one of the above, the payment slip of the payment means for paying the payment to the predetermined store can describe the application information as recognition patternized information data, and the payment can be made. It is possible to prevent the personal information from being exposed to the clerk of the store by making it unnecessary to describe the personal information, and as a result, it is possible to sufficiently protect the personal information.
In addition, the contract of the application form is concluded when the user pays for the application at a predetermined store, so the contract is completed before sending the application form to the application destination, and as a result, the contract is quickly established. It can be carried out. Further, even if the payment slip of the payment means received by the predetermined store is lost, the information data is sent to the server at substantially the same time as the payment of the price, so that the information data is surely sent and the personal information is written on the payment slip. Since it is unnecessary and the information data of the payment slip is made into a recognition pattern,
Information leakage due to loss can be prevented, and as a result, the responsibility for loss by a predetermined store can be minimized.

When the user pays the payment using the payment slip and the application form placed in the store as described in claim 3, the user can easily obtain the payment slip and the application form and immediately pay the price to the store. Can be paid, so that the contract can be concluded more quickly.

When the information data is read and transmitted using the POS system as described in claim 4, the information data of the application information in the recognized pattern can be quickly read and transmitted using the existing system. The contract can be completed more quickly. Further, since the POS system can be processed by using the reading means or the like already provided, it is possible to reduce the usage cost.

As described in claim 5, when the information data transmitted to the finance company is transmitted to the applicant through the electric communication line, the information data can be transmitted promptly, so that the contract can be established more quickly. Can be done. Further, as described in claim 6, when the information data transmitted to the finance company is transmitted to the applicant through the electric communication line at the request of the applicant, the comparison amount of the information data of the applicant is adjusted. Since management of the information data of the application destination is facilitated, comparison and confirmation can be performed easily and quickly.

[0022]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 shows a first example of the form of the payment method and system of the present invention.

The payment system of the first example is a payment means and an application means consisting of documents such as a payment slip and an application form, and a POS system installed in a predetermined store such as a convenience store, a supermarket, or a financial institution. A reading means, a first transmitting means such as a telecommunication line that is connected from a reading means of a predetermined store to a server of a finance company via a server such as a store headquarters, and a server of the finance company is connected to a server of an application destination. The second transmission means such as a telecommunications line, and the server comparison and confirmation means for comparing the information data of the transmitted application form with the information data transmitted from the server of the finance company by computer processing.

In addition to the payment slip and the application form, the payment means and application means for the document include a receipt, a copy of the store, a copy of the store headquarters, a payment handling slip for the application destination, etc. Describes the fields in which personal information can be entered, and the application information such as the management number and bar code is described in advance as information data that has been converted into a recognition pattern.
Only the application information such as the management number and the bar code is described in advance as the recognition patternized information data. Here, the payment form of the documents and the distribution form of the application means may be placed in a predetermined store such as a convenience store, a supermarket, or a financial institution, or attached or described in a leaflet, a magazine, etc., and placed in a predetermined store. It may be delivered or attached to a leaflet, a magazine, or the like, and delivered to each home. In addition, documents payment means and application means are subject to insurance application and insurance premium payment, transportation application and fee payment, various test application and examination fee payment,
Application for membership of various groups and payment of membership fee, repayment of debt from consumer finance, payment of public utility charges, etc. Other applications and payments are also possible.

The reading means such as a POS system installed in a predetermined store is a reading terminal configured to be able to read the above-mentioned information data such as a bar code. However, it is supposed to be displayed legibly. Here, the information data in the form of a recognition pattern such as a bar code may be represented by an encrypted symbol, a design or the like as long as it can be recognized between the application means and the reading means.

The first transmitting means and the second transmitting means such as a telecommunications line for communicating with each other at a predetermined store, a finance company and an application destination are online lines for transmitting after recognizing the information data described in the bar code. , Internet, etc., and any type including wired or wireless may be used as long as the information data described in the barcode can be transmitted. Here, the first transmission means such as the telecommunication line shown in FIG. 1 (arrow connecting a predetermined store and a finance company)
The second transmitting means (the arrow connecting the finance company and the application) transmits the information data immediately after recognizing the information data described in the barcode.

The comparison and confirmation means of the server is installed at the application destination, and the program processing (computer processing) of the server is the information transmitted from the server of the finance company when the information data of the application is input. It is configured to compare the data and the information data of the application form and check whether the respective information data can match.

The operation of the first example of the embodiment of the present invention will be described below. Here, in the following description, in order to facilitate understanding of the operation of the first example, the application is described as the case of insurance application and payment.

When the user applies for life insurance, non-life insurance, etc., the user obtains the payment slip of the application means and documents such as an application form from a predetermined store, leaflet, etc. and divides the payment slip and the application form. As shown in FIG. 1, a payment slip or the like is submitted to a predetermined store to pay for an application or the like, and a receipt with a receipt stamp is received from documents such as the payment slip or the like. At the same time, at the store, the barcode of documents such as payment slips is read by the reading terminal of the POS system to make a payment, information data is sent to the server of the store headquarters, and a copy of the payment slips for the store is saved. store. It should be noted that the copy of the store headquarters, which is provided in the payment slip, etc., and the payment handling slip for the application destination are appropriately sent to the store headquarters or the application destination after a predetermined period of time from the payment by the user.

Here, only the management number and the bar code are written on the payment slip used by the user for payment, the copy for the store, etc., and even if the bar code is read by the reading terminal such as the POS system, only the price is paid. Is displayed, so that the clerk at a predetermined store cannot recognize the personal information.

After paying at a predetermined store, the user writes necessary personal information in the application form and puts the seal of the contractor on the application form, and the application form is applied to the insurance company or the association handling insurance. Mail to.

On the other hand, when the bar code information data is sent from the store to the server such as the store headquarters, the server such as the store headquarters sends the information data to the server of the finance company via the electric communication line of the first transmitting means. Then, the finance company records the information data and transmits it from the server of the finance company to the server of the application destination through the electric communication line of the second transmitting means. Here, the finance company
Only the information data is received, recorded and transmitted, and the personal information cannot be recognized.

At the application destination, the information data of the application form mailed by the user and the information data sent by the finance company are compared by the program processing (computer processing) of the server. Recognizing that payment has been made, the insurance certificate is mailed to the user, and confirmation of payment of the price is completed. Also, with the information data of the application form,
If the information data sent from the finance company does not match and it does not match, the user recognizes that there is no payment from the user and waits for the notification from the finance company, waits for a certain number of days, and then waits for the user. Notify that payment cannot be confirmed.

As described above, according to the payment method and system of the first example, the application information such as the management number and the bar code is recognized in the recognition pattern on the payment slip of the payment means for paying the price to the predetermined store. Described as converted information data,
Since payments can be made, personal information such as addresses and telephone numbers that can be read by anyone is not required, and personal information is prevented from being exposed to store employees and finance company employees. Information can be sufficiently protected. In addition, the contract of the application form is concluded when the user pays for the application at a predetermined store, so the contract is completed before sending the application form to the application destination, and as a result, the contract is quickly completed. In particular, it is possible to solve the problem that insurance payment cannot be received even when an insurance payment reason occurs after sending the application form to the application destination. Furthermore, even if the payment slip received by a given store is lost, the information data is sent to the server such as the store headquarters almost at the same time as the payment of the price. Information is not required to be written and information data such as payment slips is converted into a management number or bar code, so information leakage due to loss is prevented, and as a result, the responsibility for loss by a predetermined store is minimized. You can

When the user pays the price using the payment slip and the application form placed in the store, the user can easily obtain the payment slip and the application form and can immediately pay the price to the store. It can be established more quickly.
Also, if the user pays for the payment using the payment slip and the application form on the leaflet, etc., the contents of the application can be easily understood and the user can easily obtain the payment slip and the application form. It can be done easily and quickly.

If the information data such as the bar code is read and transmitted by using the POS system, the information data such as the bar code can be quickly read and transmitted by using the existing system, so that the contract can be established more quickly. Can be done.
Further, the POS system can be processed by using the reading means of the reading terminal, the server, etc. which are already provided by changing the program and the like, so that the use cost can be reduced.

When the information data is transmitted to the applicant using the first transmitting means and the second transmitting means such as a telecommunication line, the information data can be promptly transmitted to the finance company and the applicant. The contract can be completed more quickly.

FIG. 2 shows a second example of the form of the payment method and system of the present invention.

The payment system of the second example is a system in which the second transmitting means of the information data of the finance company and the application destination is changed, and the other configuration is substantially the same as that of the first example. ing.

The second transmission means such as a telecommunications line for communicating with each other at the finance company and the application is an online line or an internet line for transmitting the information data of the bar code according to the request from the application, and the bar Any information may be used, including wired and wireless, as long as the information data described in the code can be transmitted.

The operation of the second example of the embodiment of the present invention will be described below. Here, in the following description, the application will be described in the case of insurance application and payment, similar to the first example.

When the user applies for life insurance, non-life insurance, etc., bar code information read from documents such as payment slips at the user, store, and finance company, as in the first example, as shown in FIG. Send data and handle payment slips and application forms in the same way.

When the bar code information data is sent to the server of the finance company, the finance company records the information data and waits, and when a request for the information data is received from the applicant, the telecommunication of the second transmitting means. It is sent to the application server via the line.

At the application destination, similar to the first example, the information data of the application form mailed to the user and the information data transmitted from the finance company are compared and processed by the program processing (computer processing) of the server. To do.

As described above, according to the payment method and system of the second example, the information data transmitted to the finance company is transmitted to the applicant through the telecommunication line at the request of the applicant. Since the amount of comparison of the information data of the application destination is adjusted to facilitate the management of the information data of the application destination, the comparison and confirmation can be performed easily and quickly. or,
According to the second example, it is possible to obtain the same effect as the first example.

FIG. 3 shows a third example of the form of the payment method and system of the present invention.

The payment system of the third example is a payment means and an application means composed of documents such as a payment slip and an application form, and a POS system installed in a predetermined store such as a convenience store, a supermarket or a financial institution. A reading means, a transmitting means such as a telecommunication line connected to the server of the application destination from the reading means of a predetermined store via a server such as a store headquarters, information data of the sent application form and a server such as a store headquarters And a comparison confirmation means of a server for comparing the information data transmitted from the computer processing.

Document payment means, application means, and POS
The reading means such as the system is configured in substantially the same manner as the first example, and the transmitting means such as a telecommunication line which communicates with each other at a predetermined store and the application destination, after recognizing the information data described in the bar code. It may be an online line, an internet line, or the like for transmission, and may be any one including wired or wireless as long as it can transmit the information data described in the barcode. Here, the transmission means (arrow connecting the predetermined store and the application) such as the telecommunication line shown in FIG. 3 immediately transmits the information data after recognizing the information data described in the barcode. There is.

The server comparison and confirmation means is installed at the application destination, and the program processing (computer processing) of the server is transmitted from the server such as the store headquarters by inputting the information data of the application form. It is configured to compare the information data and the information data of the application form and confirm whether or not the respective information data can match.

The operation of the third example of the embodiment of the present invention will be described below. Here, in the following description, in order to facilitate understanding of the operation of the third example, what is applied is described as the case of insurance application and payment.

When the user applies for life insurance, non-life insurance, etc., the user obtains the payment slip and application form of the application means from a predetermined store, leaflet, etc., as in the first example. Divide into payment slips and application form, and submit payment slips etc. to a predetermined store to pay for the application etc. as shown in FIG. 3, and receive receipt with stamped receipt from documents such as payment slips. . At the same time, at the store, the barcode of documents such as payment slips is read by the reading terminal of the POS system to make a payment, information data is sent to the server of the store headquarters, and a copy of the payment slips for the store is saved. store. In addition, the copy of the store headquarters provided for the payment slip, etc., and the payment handling slip for the application destination are sent to the store headquarters and the application destination after a predetermined period from the user's payment, as in the first example. Has been.

Here, in the payment slip used by the user for payment, the copy for the store, etc., only the management number and the bar code are described in the same manner as in the first example. Even if the bar code is read, only the price is displayed, and the clerk at a predetermined store cannot recognize the personal information.

After the payment is completed at the predetermined store, the user writes necessary personal information in the application form and stamps the contractor's seal in the same manner as in the first example, and applies the application form to the application destination. By mail to your insurance company or insurance union.

On the other hand, when the bar code information data is sent from the store to the server such as the store headquarters, the server such as the store headquarters transmits the information data to the server of the application destination through the electric communication line of the transmitting means.

At the application destination, the information data of the application form mailed by the user and the information data transmitted from the store headquarters are compared by the program processing (computer processing) of the server. After recognizing that the payment has been made, the insurance certificate is mailed to the user, and confirmation of payment of the price is completed. If the information data of the application form and the information data sent from the store headquarters are compared and do not match, it is recognized that there is no payment from the user and it waits for a notification from the store headquarters. After waiting for a predetermined number of days, the user is notified that payment cannot be confirmed.

As described above, according to the payment method of the price and the system thereof in the third example, it is possible to obtain the same effect as the first example.

The payment method and system for payment of the present invention is not limited to the above-described form example, and payment slips and application forms are placed in other places.
It may be downloaded from the Internet,
Needless to say, the store may be a store of another job type, and various changes may be made without departing from the scope of the present invention.

[0059]

According to the payment method and system of the present invention, various excellent effects as described below can be obtained.

I) According to any one of claims 1, 2, 7, 8 and 9, application information is described as recognition patternized information data on the payment slip of the payment means for paying the price to a predetermined store. Since payment can be made, it is not necessary to write personal information such as address and telephone number that can be read by any person, and personal information is prevented from being exposed to store clerks,
As a result, personal information can be sufficiently protected. In addition, the contract of the application form is concluded when the user pays for the application at a predetermined store, so the contract is completed before sending the application form to the application destination, and as a result, the contract is quickly established. It can be carried out. Further, even if the payment slip of the payment means received by the predetermined store is lost, the information data is sent to the server at substantially the same time as the payment of the price, so that the information data is surely sent and the personal information is written on the payment slip. Since it is unnecessary and the information data of the payment slip is formed into a recognition pattern, it is possible to prevent the information from being leaked due to the loss, and consequently to minimize the responsibility of the loss at a predetermined store.

II) As claimed in claim 3, when the user pays for the payment using the payment slip and the application form placed in the store, the user can easily obtain the payment slip and the application form and immediately Since the payment can be made to, the contract can be completed more quickly.

III) When the information data is read and transmitted by using the POS system as described in claim 4, the information data of the application information in the recognition pattern can be quickly read and transmitted by using the existing system. Therefore, the contract can be established more quickly. Also, the POS system is
Since the processing can be performed using the reading means or the like already provided, it is possible to reduce the use cost.

IV) As described in claim 5, when the information data transmitted to the finance company is transmitted to the applicant through the electric communication line, the information data can be promptly transmitted. It can be done more quickly.
Further, as described in claim 6, when the information data transmitted to the finance company is transmitted to the applicant through the electric communication line at the request of the applicant, the comparison amount of the information data of the applicant is adjusted. Since management of the information data of the application destination is facilitated, comparison and confirmation can be performed easily and quickly.

[Brief description of drawings]

FIG. 1 is a conceptual diagram showing a first example of an embodiment of a payment method for a price and a system thereof according to the present invention.

FIG. 2 is a conceptual diagram showing a second example of the embodiment of the payment method and the system for payment of the present invention.

FIG. 3 is a conceptual diagram showing a third example of the embodiment of the payment method and the system for payment of the present invention.

FIG. 4 is a conceptual diagram showing a conventional payment method and system for payment.

Claims (9)

[Claims] 1. A payment method in which a user pays a payment to an applicant to a predetermined store, and the payment is confirmed at the applicant by computer processing through a finance company. The payment is made at a predetermined store using a payment slip in which the information data in which the recognition pattern is recognized is written in advance, and the necessary information is entered in the application form in which the information data of the application information is written in advance and sent to the application destination The store sends the information data to the finance company through the telecommunication line by reading the information data with the reading terminal, and the applicant receives the information data of the application form sent from the user and the information sent to the finance company. A payment method, characterized in that the payment of the user's payment is confirmed by comparing the information data with computer processing. 2. A payment method of payment, in which the user pays the payment to the application to a predetermined store so that the payment is determined by computer processing at the application, wherein the user recognizes the application information as a recognition pattern. While paying the price at a predetermined store with a payment slip in which information data is described in advance, fill out the application form in which the information data of the application information is described in advance and send it to the application destination, and the specified store is The information data of the application form sent from the user and the telecommunications line from a predetermined store are used by the application destination by reading the A payment method, characterized in that the payment of the user's price is confirmed by comparing the information data transmitted by the computer processing. 3. The payment method according to claim 1, wherein the user pays the payment using a payment slip and an application form placed in a predetermined store. 4. The payment method according to claim 1, 2 or 3, wherein reading and transmission of information data at a predetermined store is performed using a POS system. 5. The payment method according to claim 1, 3 or 4, wherein the information data transmitted to the finance company is transmitted to the applicant using an electric communication line. 6. The payment method according to claim 1, 3 or 4, wherein the information data transmitted to the finance company is transmitted to the applicant through a telecommunication line at the request of the applicant. 7. The price is insurance application and payment of insurance premium, transportation application and payment of fee, application for various tests and payment of examination fee, application for membership of various groups and payment of membership fee, consumer finance 7. The payment method according to any one of claims 1 to 6, which is selected from repayment of debt from the company and payment of utility charges. 8. An application for preliminarily providing information data in which application information is recognized as a recognition pattern, payment means for the user to pay a predetermined store, and information data for the application information in advance, with the necessary information entered by the user. Application means to be sent to first, reading means installed in the store to read the information data of the payment means, transmission means for transmitting the information data from the reading means to the finance company, and information transmitted to the finance company A payment system comprising a comparison confirmation means for comparing the data with the information data of the application means sent by the user to confirm the user's payment. 9. A user makes an application by previously providing information data obtained by recognizing application information into a recognition pattern, providing payment means by which the user pays a predetermined store, and providing information data of the application information in advance with necessary information. Application means to be sent to the destination, reading means installed in the store to read the information data of the payment means, transmission means for transmitting the information data from the reading means to the application destination, and information transmitted to the application destination A payment system comprising a comparison confirmation means for comparing the data with the information data of the application means sent by the user to confirm the user's payment.