JP2003108762A - System and method of settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method of settlement by which a customer data base can be easily and surely updated even when a card having a prescribed settlement function is used for payment of insurance, etc., as for the system and the method of settlement using the card having the prescribed function. SOLUTION: Payment items selected by a customer among one or a plurality of payment items and the amounts charged to the customers account by every selected payment item are received from a communication terminal 8 installed on the customer's side. A transaction number to be issued in the case of direct debit of the amount charged to the customer's account is received from a CAFIS (credit and finance information system) 18. The information regarding the payment items of the customer in the customer data base 14 installed on the side of server part 4 is updated by associating it with the selected payment items, the amount charged to the customer's account and the transaction number when the payment is performed, for example, by using a debit card.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system and a payment method using a card having a predetermined payment function.

[0002]

2. Description of the Related Art With the recent progress in financial liberalization and the development of computers and communication networks, it has become possible to select various payment methods when purchasing goods and services (hereinafter referred to as "goods etc.") at stores. Is coming. For example, debit cards have come to be used in addition to credit cards that have been conventionally used.

A credit card has a cashless purchase function for products and the like, and a credit selling function for settlement after a lapse of a fixed period. The cardholder presents the credit card to the store when purchasing the product, and signs it if necessary, so that the payment can be postponed from the time of purchasing the product until a predetermined date. The store side presented with the card, for example, N
CAFIS (Credit And F of TT Data)
inance Information System
The credit card company is connected to the credit card company via m), and the credit card company requests the credit card company to confirm the credit card through online communication. As a result, credit risk on the store side can be avoided.

A debit card is a cash card used for withdrawing a bank deposit or a postal savings account, to which a function for purchasing products is added. It can be used within the framework of member financial institutions and member stores that handle debit cards. If you insert a cash card into the payment terminal of a member store and enter your PIN when purchasing products, you will be connected to a member financial institution via CAFIS, and the clearing center will be opened from the card user's deposit account or savings account. The settlement amount is transferred to the account of the member store through and the settlement is made immediately.

By the way, as for insurance premiums for life insurance, a predetermined amount of money is paid from the policyholder (customer) every month. Such insurance premiums that require continuous payment are generally paid by direct debit from a bank account or the like. However, if the account has not been debited due to a lack of balance, etc., the unpaid insurance premiums will be paid in cash, etc. via the sales representative of the life insurance company, or by bank transfer, etc. . When the premium is paid, the information is written to the database located at the headquarters of the life insurance company.

If the sales representative of the life insurance company visiting the customer has a terminal for a debit card or credit card, the customer may pay the insurance premium using the debit card or credit card. it can. When the premium is paid by a debit card or credit card and the prescribed payment is completed, the transaction statement for the payment is sent to the head office of the life insurance company several days later.

[0007]

However, the head office can confirm from the transaction statement only the account number of the transfer source financial institution, the transfer amount, and the transfer date and time. Therefore, when the customer has unpaid insurance premiums for multiple months, and only part of them has been paid, the head office must determine from the transaction statement which month of the multiple premiums was paid. I can't. Similarly, when the customer has a loan with mortgage surrender refund as collateral in addition to the unpaid insurance premium, the head office determines from the transaction statement whether the insurance premium was paid or the loan was repaid. I can't.

By the way, the sales staff issues a receipt stating the breakdown of the amount to the customer who paid the insurance premium using a debit card or credit card or the customer who repayed the loan, and Later, I sent a copy of the receipt to the head office. The head office can know the amount paid by the customer and its breakdown only by matching the transaction statement sent by the debit card issuing bank or credit card company with the receipt sent by the sales person. . Only at this point can the customer information (payment information, etc.) in the customer database of the head office be updated.

As described above, at present, when a debit card or a credit card is used for payment of insurance premiums, the procedure for updating the customer information in the customer database installed at the head office becomes complicated. Further, there is a possibility that an input error may occur when the operator inputs the amount of money when updating the customer database. Further, since there is a time lag of at least several days from the payment of insurance premiums to the update of the database, the data integrity may be impaired.

An object of the present invention is to provide a settlement system and a settlement method which can easily and surely update a customer database even when a card having a predetermined settlement function is used for payment of insurance premiums and the like.

[0011]

Means for Solving the Problems The above-mentioned object is to provide a payment item selected by a customer among one or a plurality of payment items together with a card number of the card when paying using a card having a predetermined payment function. , A withdrawal amount for each selected payment item is received from a communication terminal arranged on the customer side, and the received card number and the total amount of the withdrawal amount are handling numbers set up on a communication network. Updating the information related to the payment item of the customer in the customer database by associating with the selected payment item and the withdrawal amount and the handling number by transmitting to the issuing agency and receiving the handling number. It is achieved by the characteristic payment method.

In the settlement method of the present invention, the card is a debit card, and the handling number is a transaction number issued at the time of debiting the debit amount.

In the settlement method of the present invention, the card is a credit card, and the handling number is a credit number when a credit card company confirms the credit.

Further, the above-mentioned object is that when paying using a card having a predetermined settlement function, the payment item selected by the customer from one or a plurality of payment items and the withdrawal amount for each of the selected payment items. A communication terminal arranged on the customer side for transmitting the, and a handling number issuing organization which is placed on a communication network and receives the card number and the total amount of the withdrawal amount and issues a handling number, Receiving the information of the payment item and the withdrawal amount transmitted by the communication terminal, receiving the handling number issued by the handling number issuing organization, and associating with the payment item and the withdrawal amount and the handling number, And a server that updates information related to the customer's payment items in a customer database. That.

In the settlement system of the present invention, the card is a debit card, and the handling number is a transaction number issued at the time of debiting the debit amount.

In the settlement system of the present invention, the card is a credit card, and the handling number is a credit number when a credit card company confirms the credit.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A payment system and a payment method according to an embodiment of the present invention will be described with reference to FIGS. 1 to 13. FIG. 1 shows a schematic configuration of a payment system according to this embodiment. As shown in FIG. 1, a member store (for example, a life insurance company) 2 includes a server unit 4 and a plurality of client units 6 (only one is shown in FIG. 1).

The server unit 4 has a main frame 12. The main frame 12 is adapted to be connected to a plurality of client units 6 via connection units (not shown). The server unit 4 also has a customer database (DB) 14 in which customer information regarding insurance is stored and searched by the mainframe 12. Mainframe 12
Is capable of transmitting and receiving various data to and from the communication line via the connection server 16. The main frame 12 is
The customer DB 14 can be searched to read desired data, and the data can be written to the customer DB 14. The customer DB 14 has an unpaid database and a paid database (both not shown). The unpaid database is made up of information such as unpaid insurance premiums that have exceeded the payment deadline and the remaining amount of loans secured by the surrender and refund of life insurance. The paid database is composed of information on paid insurance premiums.

FIG. 2 shows an example of the data structure of the unpaid database. As shown in FIG. 2, the data structure of the unpaid database includes a “customer ID” that identifies the customer, a “security number” of the life insurance that the customer has, and a “payment” such as unpaid insurance premiums and loan balances. It has a structure including information associated with "customer ID" such as "item", "amount", and "name" of the customer.

FIG. 3 shows an example of the data structure of the paid database. As shown in FIG. 3, the data structure of the paid database is “customer ID”, “certificate number” of life insurance that the customer subscribes to, “payment item” of paid insurance and its “amount”. In addition to the customer's "name", "payment method" and a predetermined "code", "transaction number (for debit card)" or "credit number (for credit card)" (collectively these as the handling number , Etc.) and other information associated with the “customer ID”. For the "payment method", for example, if payment is made using a debit card or a credit card, the card name is assigned. "Code" is the issuing bank of the debit card if it is settled using the debit card.
Bank code is assigned, and if the payment is made using a credit card, the code of the credit card company 24 is assigned. "Transaction number" or "credit number" is
It is adapted to be transmitted from the CAFIS (Handling Number Issuing Organization) 18 to the mainframe 12.

Returning to FIG. 1, the client section 6 is composed of a communication terminal 8 and a settlement terminal 10. Communication terminal 8
Between the payment terminal 10 and the payment terminal 10, various interface means for data transmission / reception can be used. For example, wireless data transmission / reception compatible with Bluetooth may be performed. B
Bluetooth uses radio waves in the 2.4 GHz band and can wirelessly connect a plurality of devices within a radius of several meters to send and receive data. Also, IEEE80
It is also possible to use a wireless LAN such as 2.11a or IEEE 802.11b, or a wireless communication standard such as IrDA (infrared data communication). In the wireless data communication, the communication data may be encrypted by using an encryption algorithm such as DES in order to prevent wiretapping and tampering of the data. Alternatively, wired data transmission / reception means may be used, and RS232C or USB as a serial interface,
Alternatively, IEEE 1394 or a parallel interface can be used.

The communication terminal 8 has a communication function and a browser function. The communication terminal 8 can be connected to the mainframe 12 via the communication network 5 such as the Internet. Examples of the communication terminal 8 include a laptop PC, a mobile communication device (a mobile phone or a personal handy phone (PHS (registered trademark)), a personal digital assistant (PDA; Personal Digital Ass).
(including instant)) is used. The payment terminal 10 can read the information of a debit card and a credit card, and a PIN (Personal ID) for a customer to input a personal identification number.
It also has a configuration number pad (not shown). Further, the settlement terminal 10 can output an account withdrawal confirmation or the like on which various information is printed.

Connection server 16 of server unit 4 of member store 2
Is connected to the CAFIS 18. CAFIS18
Is the issuing bank that issued the customer's debit card 26
Is connected to a plurality of credit card companies 24 that issue or handle credit cards.

Next, the settlement method according to this embodiment will be described with reference to FIGS. 4 to 10. 4 and 5 show
The flow of information transmitted and received within the member store 2 or between the member store 2 and the CAFIS 18 when the settlement method according to the present embodiment is used is shown in time series. 6 to 9 show examples of screens displayed on the browser of the communication terminal 8 in the payment method according to the present embodiment.

As a premise of the settlement method according to the present embodiment, the communication terminal 8 and the settlement terminal 10 are used for payment of insurance premiums not paid by direct debit due to lack of balance and repayment of loans. It is assumed that a sales representative who possesses and is visiting the customer.

First, the salesperson displays the customer information search screen 102 shown in FIG. 6 on the browser of the communication terminal 8. Above the customer information search screen 102, a selection menu for selecting search items is arranged. A text box for inputting a keyword is arranged below the selection menu. A radio box for selecting one piece of information to be displayed is arranged below the text box. Two buttons, "search" and "cancel", are arranged below the radio box.

The sales person selects "name" or "customer ID" from the selection menu at the top of the figure as a search item, and inputs a search keyword in the text box below the selection menu. Then, the radio box below the text box is used to select the information to be displayed from the "unpaid information" or "prepayment information" of the customer. When the sales person clicks the “Search” button, the communication terminal 8
Transmits the customer search information to the mainframe 12 (step S1 in FIG. 4). Here, prepayment means paying the insurance premium before the account is debited.

Mainframe 1 that received the customer search information
2 retrieves the customer information stored in the customer DB 14 based on the customer retrieval information (step S2) and reads the retrieval result (step S3). The mainframe 12 has a customer information screen 104 shown in FIG. 7 as a customer information screen.
Alternatively, data for displaying the customer prepayment information screen 106 shown in FIG. 8 on the browser of the communication terminal 8 is transmitted to the communication terminal 8 (step S4). The customer unpaid information screen 104 shown in FIG. 7 is displayed when “Unpaid information” is selected in the radio box of the customer information search screen 102, and the customer prepayment information screen 106 shown in FIG. It is displayed when "advance payment information" is selected in the radio box.

The customer unpaid information screen 104 shown in FIG.
It is composed of a table consisting of four columns of "security number", "payment item", "amount" and "repayment amount". On the customer nonpayment information screen 104, 01/05 insurance premium (May 2001 insurance premium) 20,000 yen and 01/06 insurance premium (June 2001 insurance premium) 20,000 yen are unpaid. It shows that the loan balance is 1 million yen. A check box is placed on the left side of the table so that each payment item can be selected. At this time, if the item "loan balance" is selected, the desired repayment amount can be entered in the repayment amount column in the table (20,000 yen is entered as the repayment amount in FIG. 7). . Two buttons, "send" and "cancel", are arranged below the table.

When the customer non-payment information screen 104 is displayed, the sales staff decides the payment item by selecting the item that the customer intends to pay with a check box.
If the item "loan balance" is selected, the repayment amount is further entered as an amount equal to or less than the loan balance. When the sales person clicks the “Send” button, the communication terminal 8
The mainframe 12 with information on the selected payment item
(Step S5).

On the other hand, the customer prepayment information screen 106 shown in FIG.
Is "security number", "payment item", "monthly insurance premium",
It is composed of a table consisting of five columns of "paid information" and "advance payment months". Customer prepayment information screen 106 shows monthly insurance premium 2
This means that the insurance premium of 10,000 yen has been paid until April 2001. A check box is arranged on the left side of the table so that each item can be selected. The number of months to prepay the monthly insurance premium can be entered in the prepayment months field (in FIG. 8, February is entered as the number of prepayment months). Two buttons, "send" and "cancel", are arranged below the table.

When the customer prepayment information screen 106 is displayed, the sales person selects the item to be paid by the customer with a check box to determine the payment item. Next, enter the number of months for which you want to prepay the insurance premium in the number of months for advance payment as a positive integer. When the sales person clicks the "send" button, the communication terminal 8 sends the information of the selected payment item to the mainframe 12 (step S5).

The mainframe 12 which has received the information on the selected payment item is displayed on the payment item confirmation screen 1 shown in FIG.
The data for displaying 08 on the browser of the communication terminal 8 is transmitted to the communication terminal 8 (step S6).

The payment item confirmation screen 108 displays the payment item selected on the customer non-payment information screen 104 or the customer prepayment information screen 106, and the total amount of the deduction amount (price) for each selected payment item. It is supposed to do. In addition, a radio box for selecting a payment method is arranged so that either a debit card or a credit card can be selected.
In this example, an example in which a debit card is selected will be described.

The sales staff member confirms the selected payment item and the total amount, and selects the payment method (step S).
7). When the sales person clicks the "send" button, the communication terminal 8 transmits the information about the payment method and the amount to be deducted to the settlement terminal 10 (step S8).

Next, the salesperson causes the settlement terminal 10 to read the information of the customer's debit card. Then, the salesperson causes the customer to input the personal identification number using the PIN pad of the settlement terminal 10 (step S9). Next, when the sales person performs a predetermined operation, the communication terminal 8 requests the settlement terminal 10 to transmit each information of the account number of the debit card, the personal identification number, and the withdrawal amount (step S1).
0). The payment terminal 10 requested to send is the communication terminal 8
The account number, personal identification number, and withdrawal amount information are transmitted to (step S11).

The communication terminal 8 which has received the above information, in addition to the above-mentioned account number, personal identification number and withdrawal amount information,
The payment item information is linked and transmitted to the mainframe 12 (step S12). The main frame 12
Has previously acquired a terminal number for identifying the payment terminal 10 via the communication terminal 8. Mainframe 12
After the payment item is extracted (step S13), the information of the account number, the personal identification number, the withdrawal amount, and the terminal number are excluded via the connection server 16 except the information of the payment item.
It is transmitted to the AFIS 18 (steps S14 and S15).

Although not shown in FIGS. 4 and 5,
The CAFIS 18 transmits information on the account number, personal identification number, and withdrawal amount to the issuing bank 26. Issuing bank 26
Confirms the identity and balance based on the received information, deducts the above debit amount from the customer's account, and transmits the transfer data to CAFIS 18.

The CAFIS 18 issues a transaction number when it confirms that the debit amount has been debited from the customer's account based on the received transfer data. CAFIS18
Transmits the transaction number and the terminal number to the mainframe 12 via the connection server 16 as shown in FIG. 5 (steps S16 and S17). The mainframe 12 collates the acquired terminal number with the received terminal number. The mainframe 12 moves the payment item corresponding to the terminal number and the information related to the payment item from the unpaid database of the customer DB 14 to the paid database, and
“Payment method”, “code” and “transaction number” are written as information related to the payment item (step S18,
S19).

The mainframe 12 transmits the payment item, transaction number and terminal number to the communication terminal 8 (step S
20). The communication terminal 8 transmits the payment item and the transaction number to the settlement terminal 10 based on the received terminal number, and at the same time, the settlement terminal 10 sends a signal requesting the output of the statement 110 described later with reference to FIG. (Step S21). The settlement terminal 10, which has received the signal requesting the statement output, outputs the statement 110 on which predetermined information is printed (step S22). The procedure for payment of insurance premiums, etc. is completed by the above procedure.

FIG. 10 shows a statement 110 output from the settlement terminal 10 when the settlement method according to this embodiment is used.
Shows an example of. As shown in FIG.
In the upper part of the figure, the company name and the issue date and time are printed.
Below the company name and issue date and time
It is printed that the total amount of 40,000 yen, which was the insurance premium of 20,000 yen for May 2001 and the repayment of the loan of 20,000 yen, was paid. Below these, as the account withdrawal confirmation, the issuing bank of the debit card, the terminal number of, for example, 10 digits attached to the used settlement terminal 10, and the account number of 16 digits are printed. Below the account number, the date and time when the debit card was used and a 4-digit slip number, for example, are printed, and it is printed that the transaction content is insurance premium collection. Below these are the direct debit dates, eg 4
A digit processing serial number and, for example, an 8-digit approval number are printed. Furthermore, the total transaction amount is 40,000 yen and the name of the sales person is printed.

In the present embodiment, the communication terminal 8 transmits the withdrawal amount information and the selected payment item information in association with each other to the mainframe 12. The mainframe 12 displays the information of the selected payment item and CAFIS1.
The customer DB 14 is updated based on the transaction number received from 8. Therefore, the customer DB 14 does not need to be input by the operator, so that an input error does not occur. Also,
Since the customer DB 14 is updated in real time, data integrity is not impaired.

Although the payment system and the payment method using the debit card have been described in the above embodiments, the payment system and the payment method using the credit card will be described with reference to FIGS. It will be described with reference to FIGS. 11 and 12 show a flow similar to that of FIGS. 4 and 5, and when the credit card is used, the member store 2 or the member store 2 and the CAFIS 18 are used.
The flow of information transmitted / received to / from is shown in chronological order. In each step shown in FIGS. 11 and 12, steps S1 to S6 are the same as those described with reference to FIGS. 4 and 5, and thus description thereof will be omitted.

On the payment item confirmation screen 108 shown in FIG. 9, the sales staff member confirms the selected payment item and the total amount, and selects the payment method using a credit card (step S7). When the sales person clicks the "send" button, the communication terminal 8 transmits the information about the payment method and the amount to be deducted to the settlement terminal 10 (step S8).

Next, the sales staff causes the settlement terminal 10 to read the information (card number, etc.) of the customer's credit card (step S9). Next, when the sales staff member performs a predetermined operation, the communication terminal 8 requests the settlement terminal 10 to transmit the information on the credit card number and the withdrawal amount (step S10). The payment terminal 10 requested to transmit transmits each information of the card number and the withdrawal amount to the communication terminal 8 (step S11).

The communication terminal 8 which has received the above information associates the above-mentioned card number and withdrawal amount information with the payment item information and transmits them to the mainframe 12 (step S12). After extracting the payment items (step S13), the mainframe 12 removes the information about the payment items, the card number and the withdrawal amount, and the payment terminal 10.
Information of each terminal number from the connection server 16 to CAFIS1
8 (steps S14 and S15).

The CAFIS 18 sends the credit card company 24 information on the card number and withdrawal amount. The credit card company 24 confirms the credit limit based on the received information, and the credit limit confirmation result is CAF.
Send to IS18.

When the CAFIS 18 receives the credit limit confirmation result, it issues a credit number. The CAFIS 18 transmits the credit limit confirmation result together with the credit number and the terminal number to the mainframe 12 via the connection server 16 (steps S16 and S17). The mainframe 12 collates the received terminal number with the acquired terminal number, and sends the credit limit confirmation result to the communication terminal 8 to which the payment terminal 10 having the corresponding terminal number is connected (step S18). In this example, the case where credit is obtained will be described hereinafter. If the credit is not obtained, the process proceeds from step S18 to step S19, the fact that the credit is not obtained is displayed on the settlement terminal 10, and the process is restarted from step S7.

When the credit is obtained by checking the credit limit, the mainframe 12 moves the payment item corresponding to the terminal number and the information related to the payment item from the unpaid database of the customer DB 14 to the paid database and pays the payment item. As the information related to the item, "payment method", "code" and "credit number" are written (steps S19 and S20).

The mainframe 12 transmits the payment item, the credit number and the terminal number to the communication terminal 8 (step S).
21). The communication terminal 8 transmits the payment item and the credit number to the settlement terminal 10 based on the received terminal number, and sends a signal requesting the output of the statement 110, which will be described later with reference to FIG. 13, to the settlement terminal 10. (Step S22). The settlement terminal 10 that has received the statement output request signal outputs the statement 110 on which predetermined information is printed (step S23). The procedure for payment of insurance premiums, etc. is completed by the above procedure.

FIG. 13 shows an example of the statement (credit card usage slip) 112 output from the settlement terminal 10 when the settlement method according to this embodiment is used. The statement 112 is similar to the statement 110 which is the debit confirmation for the debit card payment shown in FIG. Below the company name and the date and time of issue, it is printed that a total of 40,000 yen will be paid as a credit card usage slip, including an insurance premium of 20,000 yen for May 2001 and a repayment of 20,000 yen. There is. Below these, the transaction content is credit sales, and the card number and the card expiration date are shown. Further, a payment category and a slip number, for example, a 4-digit processing serial number, and an 8-digit approval number, for example, are printed. Furthermore, the total transaction amount is 40,000 yen and the name of the sales person is printed. There is also a column for the title of the credit card owner.

As described above, according to the present embodiment, even in the transaction by credit card, the communication terminal 8 sends the information of the withdrawal amount and the information of the selected payment item to the mainframe 12 in association with each other. There is. The mainframe 12 displays information on the selected payment item and CAFIS.
The customer DB 14 is updated based on the credit number received from 18. Therefore, the customer DB 14 does not need to be input by the operator, so that an input error does not occur. Moreover, since the customer DB 14 is updated in real time, the data consistency is not impaired.

The present invention is not limited to the above embodiment, but various modifications can be made. For example, in the above-described embodiment, payment of insurance premiums such as life insurance has been described as an example, but the present invention is not limited to this, and public utilities such as gas usage fees and water usage fees and continuous payment are required. It can also be applied to payment of various charges.

[0054]

As described above, according to the present invention, even if a debit card or the like is used for payment of insurance premiums, etc., the database can be easily and surely updated.

[Brief description of drawings]

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

FIG. 2 is a diagram showing an example of data of an unpaid database stored in a customer DB 14 of the payment system according to the embodiment of the present invention.

FIG. 3 is a diagram showing an example of data in a paid database of the payment system according to the embodiment of the present invention.

FIG. 4 is a diagram showing a time series of information flow in the settlement method according to the embodiment of the present invention.

FIG. 5 is a diagram showing a time series of information flow in the settlement method according to the embodiment of the present invention.

FIG. 6 is a diagram showing an example of a screen displayed on the browser of communication terminal 8 when using the payment method according to the embodiment of the present invention.

FIG. 7 is a diagram showing an example of a screen displayed on the browser of communication terminal 8 when using the payment method according to the embodiment of the present invention.

FIG. 8 is a diagram showing an example of a screen displayed on the browser of communication terminal 8 when using the payment method according to the embodiment of the present invention.

FIG. 9 is a diagram showing an example of a screen displayed on the browser of communication terminal 8 when using the payment method according to the embodiment of the present invention.

FIG. 10 is a diagram showing an example of a statement output from the settlement terminal 10 when the settlement method according to the embodiment of the present invention is used.

FIG. 11 is a diagram showing a time series of information flow in another example of the payment method according to the embodiment of the present invention.

FIG. 12 is a diagram showing a flow of information in time series in another example of the payment method according to the embodiment of the present invention.

FIG. 13 is a diagram showing an example of a statement output from payment terminal 10 when another example of the payment method according to the embodiment of the present invention is used.

[Explanation of symbols]

2 member stores 4 server section 5 Communication network 6 client department 8 communication terminals 10 Payment terminal 12 mainframe 14 Customer DB 16 Connection Server 18 CAFIS 24 credit card companies 26 Issuing Bank 102 Customer information search screen 104 Customer unpaid information screen 106 Customer prepayment information screen 108 Payment item confirmation screen 110,112 Specification

Claims (6)

[Claims] 1. When paying using a card having a predetermined payment function, a card number of the card, a payment item selected by a customer from one or a plurality of payment items, and each selected payment item. And the withdrawal amount of money is received from the communication terminal arranged on the customer side, and the received card number and the total amount of the withdrawal amount are transmitted to the handling number issuing organization installed on the communication network. Receiving the selected payment item and the withdrawal amount,
A payment method comprising updating information related to a payment item of the customer in a customer database in association with the handling number. 2. The settlement method according to claim 1, wherein the card is a debit card, and the handling number is a transaction number issued at the time of debiting the debit amount. 3. The settlement method according to claim 1, wherein the card is a credit card, and the handling number is a credit number when a credit card company confirms the credit. 4. When paying using a card having a predetermined payment function, a payment item selected by the customer from one or more payment items and a withdrawal amount for each selected payment item are transmitted. In order to receive the card number and the total amount of the withdrawal amount and issue a handling number, a communications terminal disposed on the communication network, and a communications terminal disposed on the customer side, and the communications terminal The information of the transmitted payment item and the withdrawal amount is received, the handling number issued by the handling number issuing organization is received, and the payment item, the withdrawal amount and the handling number are associated with each other, in the customer database. A payment system comprising: a server that updates information related to the customer's payment item. 5. The payment system according to claim 4, wherein the card is a debit card, and the handling number is a transaction number issued at the time of debiting the debit amount. 6. The payment system according to claim 4, wherein the card is a credit card, and the handling number is a credit number when a credit card company confirms the credit.