JP4620993B2 - Payment support program - Google Patents

Description

  The present invention relates to a payment support program that supports a payment procedure for a payment organization, and more particularly to a payment support program that can eliminate a payment delay for a payment organization and improve a payment rate.

  Today, there is a post-payment method that pays fees to administrative service organizations. This post-payment method determines the amount of money to be paid by the client and the due date by examining the application made by the client at a later date without determining the amount of payment at the time the client makes the application. , Making a payment request to the client.

  In other words, when an administrative service organization accepts an application for postpayment by a client, the client will later notify the client of the payment amount and the due date determined through examination using e-mail or postal mail. The required amount is paid to administrative service organizations. Although payment / usage fee payments do not involve an application from the client, the payment amount and due date are notified to the client using e-mail or postal mail, and the client can be an administrative service organization or public service organization. The amount requested is paid.

  In Patent Document 1, information such as the transfer destination and transfer amount is stored in an IC (Integrated Circuit) card, and information such as the transfer destination and transfer amount stored in the IC card when the client logs in to the terminal device. A technology for automatically executing the transfer process is disclosed.

Japanese Patent Laid-Open No. 11-53612

  However, in the conventional post-payment method, the payment amount and the like are not determined at the time of application. Therefore, the client needs to remember that the payment amount determined at a later date is to be paid to the administrative service organization. Therefore, if the client forgets the obligation to pay, there is a problem of causing a delay in payment to the administrative service organization. In the case of tax payment / usage fee payment, it is necessary to memorize the payment amount and the due date. If the client forgets the obligation to pay, delay payment to administrative service organizations and public service organizations. There was a problem of causing.

  In addition, even when the transfer process is performed using an IC card storing the transfer destination and the transfer amount as in the technique disclosed in Patent Document 1, in the case of the postpaid method, at the time when the client applies for Since the payment amount has not been determined, the client needs to remember that it is necessary to pay and update the data of the IC card at a later date.

  Therefore, even if the transfer destination and transfer amount are stored in the IC card and the payment process is automatically performed, if the client himself forgets the payment obligation, a problem of payment delay similarly occurs. It will be.

  The present invention has been made to solve the above-described problems caused by the conventional technology, and can prevent a payment delay problem caused by a client forgetting a payment obligation related to post-payment and improve a payment rate. The purpose is to provide a payment support program.

In order to solve the above-described problems and achieve the object, the present invention is a payment support program for supporting a payment procedure for a payment institution, and information on whether or not an application for post-payment has been made from a client to the payment institution. Is obtained from a portable storage device, and based on the examination status information, a determination processing procedure for determining whether or not a client has made an application for post-payment, and the determination processing procedure When the client determines that the client has made an application for post-payment, the computer is caused to execute a dunning processing procedure that uses the display device to prompt the client to pay the payment organization. And

According to the present invention , the client acquires from the portable storage device examination status information including information indicating whether or not the client has made an application for post-payment, and based on the examination status information, the client It is determined whether or not an application relating to post-payment has been made, and if the client makes an application relating to post-payment, the client is prompted to make a payment to the paying organization using a display device.

In the invention of claim 1, the examination status information further includes information on whether or not examination for an application made by a client has been completed, and the determination processing procedure is based on the examination status information. In addition, it is further determined whether or not the examination for the application is completed, and the reminder processing procedure includes a payment amount and a due date for post-payment when it is determined that the examination is completed in the determination processing procedure. The payment information is acquired from the portable storage device, and the payment information is notified to the client using a display device.

According to the present invention , based on the examination status information, it is further determined whether or not the examination for the application has been completed. If the examination for the application has been completed, the payment amount and the due date for post-payment are included. The payment information is acquired from the portable storage device, and the acquired payment information is notified to the client using the display device.

In addition, the present invention makes the computer further execute a balance inquiry processing procedure for inquiring balance information, which is information relating to the account balance of the client, and notifying the client of the inquiry balance information using a display device. It is characterized by that.

According to the present invention , the balance information, which is information related to the account balance of the client, is inquired, and the inquired balance information is notified to the client using the display device.

Further, the present invention is characterized by causing the computer to further execute a payment amount calculation processing procedure of summing the payment amounts included in the payment information and notifying the client of the total payment amount using a display device. To do.

According to the present invention , the payment amounts included in the payment information are totaled, and the total payment amount is notified to the client using the display device.

In the present invention, the payment amount calculation processing procedure calculates a difference between a sum of the payment amounts included in the payment information and an amount included in the balance information, and displays the calculated difference on a display device. This is characterized in that the client is notified using.

According to the present invention , the difference between the sum of the payment amounts included in the payment information and the amount included in the balance information is calculated, and the calculated difference is notified to the client using the display device.

According to the present invention , the payment support program obtains examination status information including information on whether or not an application for post-payment has been made from the client to the payment organization, from the portable storage device, and based on the examination status information. The client determines whether or not the client has made an application for post-payment, and if the client makes an application for post-payment to the payment agency, the client uses the display device to Since the reminder is performed, it is possible to prevent forgetting of the payment obligation of the client to the payment organization and improve the payment rate.

Further, according to the present invention , the payment support program further determines whether or not the examination for the application has been completed based on the examination status information. Payment information including payment amount and payment date is acquired from the portable storage device, and the acquired payment information is notified to the client using the display device, thus preventing the client's payment obligations from being forgotten and promptly The required amount can be paid to the payment organization.

In addition, according to the present invention , since the balance information that is information related to the account balance of the client is inquired and the balance information that has been inquired is notified to the client using the display device, the client pays to the payment organization. It is possible to easily grasp whether or not it is possible.

Further, according to the present invention , the payment amounts included in the payment information are summed, and the total payment amount is notified to the client using the display device, so that the client can easily grasp the payment amount.

Further, according to the present invention , the difference between the sum of the payment amounts included in the payment information and the amount included in the balance information is calculated, and the calculated difference is notified to the client using the display device. The client can easily grasp whether or not payment can be made to the payment organization.

  Exemplary embodiments of a payment support program according to the present invention will be described below in detail with reference to the accompanying drawings.

  First, the outline | summary of the payment assistance system which concerns on a present Example is demonstrated. 1 and 2 are explanatory diagrams for explaining the outline of the payment support system according to the present embodiment. As shown in FIG. 1, in the case of a post-payment administrative fee (payment of money to a government office, etc., not at the time of application but delaying the time), the client uses the client terminal 10 to make an electronic application server. 20, an electronic application is made, temporary payment information is received, and a payment flag of an IC (Integrated Circuit) card 30 is set to temporary registration. Note that the portable storage device is not necessarily an IC card, and may be a memory card or a mobile phone.

  Here, provisional payment information is information indicating that it is necessary to pay an amount to a payment organization such as an administrative service organization, but the amount to be paid is not determined. In addition, by setting the payment flag of the IC card 30 to temporary registration, the provisional registration status (the amount of money must be paid to the payment organization, but the amount of money and the due date, etc. have not been determined and waiting for payment) It can be seen that

  Then, when the payment amount and the payment date are determined through the referee and the like, a payment information confirmation notification indicating that the payment amount and the payment date is determined is transmitted from the electronic application server 20 to the client terminal 10. After receiving the payment information confirmation notice, the client terminal 10 makes a payment information inquiry to the electronic application server 20, receives payment information including the amount to be paid and the payment date (payment information response), and sends it to the IC card 30. At the same time, the payment flag of the IC card 30 is set to payable. Hereinafter, information indicating the amount to be paid and the payment date is referred to as payment information.

  By setting the payment flag of the IC card 30 to be payable, it can be seen that the payment is possible (the amount to be paid, the payment date, etc. are determined and the payment can be made to the payment organization).

  When the client performs accounting at a convenience store POS (Point Of Sales) terminal 100, the convenience store POS terminal 100 checks the payment flag of the IC card 30, and if the payment flag is set to temporary registration. The client is notified of the temporary registration state.

  On the other hand, when the payment flag of the IC card 30 is set to be payable, the convenience store POS terminal 100 notifies the client that the payment is possible and prompts payment to the payment organization. When the IC card 30 used by the client is compatible with electronic money, the money can be paid to the payment organization using the electronic money, and the burden on the client is reduced.

  Similarly, when the client deposits and withdraws money at a bank counter (cash settlement or account settlement) 200, 400 or ATM (Automated Teller Machine) 300, the bank counter terminals 200, 400 and ATM 300 are connected to the IC card 30. The payment flag is checked. If the payment flag is set to temporary registration, the client is notified of the temporary registration state.

  On the other hand, when the payment flag of the IC card 30 is set to be payable, the bank window terminals 200 and 400 and the ATM 300 notify the client terminal that payment is possible, and prompt payment to the payment organization.

  When the client uses the Internet banking 500 via the client terminal 10, the client terminal 10 checks the payment flag of the IC card 30, and when the payment flag is set to temporary registration, The client is notified of the registration state, and when the payment flag is set to be payable, the client is notified of the payment possible state.

  As described above, the convenience store POS terminal 100, the bank window terminal (cash settlement or account settlement) 200, 400, the ATM 300, and the client terminal 10 check the payment flag of the IC card 30 and notify the client of information related to payment. As long as the client is in a payable state, the client can seamlessly pay the amount to the payment organization and improve the payment rate.

  By the way, as shown in FIG. 2, in the case of tax payment / usage fee payment (a form in which the amount to be paid and the due date for payment are already notified and the amount is paid by the due date), the client terminal 10 Receive an email with the due date and notify the client. Then, the client terminal 10 makes a payment information inquiry to the portal server 900, receives a payment information response, and records the payment information in the IC card 30.

  As in the case described with reference to FIG. 1, the convenience store POS terminal 100, the bank counter terminal (cash settlement or account settlement) 200, 400, the ATM 300, and the client terminal 10 check the payment flag of the IC card 30 and pay it to the client. Will be notified of the information.

  Next, a description will be given of a processing method in which the client terminal 10 makes an electronic application to the electronic application server 20 and receives temporary payment information and the like. FIG. 3 is an explanatory diagram for explaining a processing method in which the client terminal 10 makes an electronic application to the electronic application server 20 and receives temporary payment information and the like.

  As shown in FIG. 3, the client terminal 10 is connected to the electronic application server 20, and the electronic application server 20 is connected to the examiner terminal device 40 and the payment database 50.

  Here, the client terminal 10 is a device that performs an electronic application or the like to the electronic application server 20, and the electronic application server 20 responds to an access from the client terminal 10 and receives the electronic application. Thus, the payment information is created, and the created payment information is recorded in the payment database 50. The examiner terminal device 40 is a device that examines an electronic application and determines a payment amount, a payment date, and the like. .

  The client terminal 10 logs on to the electronic application server 20 and makes an electronic application. After accepting the electronic application, the electronic application server 20 notifies the client terminal 10 of the receipt number, creates payment information in which the examination status, payment amount, payment date, and the like are set, and stores them in the payment database 50. When the electronic application has not been reviewed and the payment amount and payment date have not been determined, the electronic application server 20 creates payment information with the amount and payment date undetermined and stores them in the payment database 50. Let

  Then, the electronic application server 20 transmits a reception notification and provisional payment information to the client terminal 10. The client terminal 10 receives the acceptance notification and the temporary payment information, stores the temporary payment information in the IC card 30, and sets the payment flag to temporary registration. When the electronic application operation is completed, the client terminal 10 logs off the electronic application server 20 by the operation of the client.

  Further, the client terminal 10 logs on the electronic application server 20 and makes an application inquiry, thereby acquiring the updated payment information when the payment information is updated and updating the payment information of the IC card 30. .

  In addition, the electronic application server 20 updates the corresponding payment information in the payment database 50 when the electronic application received from the client terminal 10 is examined by the examiner terminal device 40 and the amount, payment date, etc. are determined. The client terminal 10 is notified that the payment information has been confirmed.

  When the client terminal 10 receives a notification that the payment information has been confirmed from the electronic application server 20, the client terminal 10 makes a payment information inquiry to the electronic application server 20 and acquires the payment information. Then, the temporary payment information of the IC card 30 is changed to payment information, and the payment flag is set to be payable.

  Next, a processing method in which the ATM 300 performs a payment flag check and prompts for payment will be described. FIG. 4 is an explanatory diagram for explaining a processing method in which the ATM 300 performs payment flag check and prompts payment.

  The ATM 300 shown in FIG. 4 is connected to a bank server 600. The bank server 600 is connected to an account database 70 and also connected to an electronic payment / storage server 700 via an MPN (Multi Payment Network) 60. The electronic payment / storage server 700 is connected to the payment database 50.

  Here, the bank server 600 is a server that performs authentication of a personal identification number transmitted from the ATM 300, balance inquiry and settlement in response to a request from the ATM 300, and the account database 70 includes an amount saved by each client. It is a storage device for storing the information.

  The electronic payment / storage server 700 is a server that manages the payment database 50 and, when receiving an inquiry request, searches for corresponding payment information and responds to the inquiry request. The MPN 60 is an ATM, telephone, It is a network that enables payment of utility charges etc. using each channel such as a personal computer.

  Also, as shown in FIG. 4, the ATM 300 connects to the bank server 600, authenticates the password entered by the client, and then checks the payment flag recorded on the IC card 30. The ATM 300 prompts payment when the payment flag is set to “payable” or “provisional registration”, and performs IC card authentication when continuing the payment process.

  Then, the ATM 300 makes an inquiry request for payment information to the bank server 600, and the bank server 600 makes an inquiry request to the electronic payment / storage server 700 via the MPN 60.

  After receiving the inquiry request, the electronic payment / storage server 700 searches the payment database 50 for the corresponding payment information, and transmits the searched payment information as an inquiry response to the ATM 300 via the MPN 60 and the bank server 600.

  Then, the ATM 300 makes a balance inquiry to the bank server 600, selects an item that can be paid among payment items included in the payment information (payment selection), and makes payment. When the bank server 600 accepts the payment from the ATM 300, the bank server 600 accesses the account database 70, makes a settlement, and confirms the payment result for the ATM 300. Further, the bank server 600 makes a request for deletion to the electronic payment / storage server 700. This application request is a request to delete, from the payment database 50, a payment item that the user has paid out of a plurality of payment items included in the payment information.

  When the electronic payment / storage server 700 receives an application request from the bank server 600, the electronic payment / storage server 700 deletes the corresponding payment item, and sends an application notification to the bank server 600 indicating that the application has been deleted.

  Next, a processing method in which the convenience store POS terminal 100 performs a payment flag check and prompts for payment will be described. FIG. 5 is an explanatory diagram for explaining a processing method in which the convenience store POS terminal 100 performs a payment flag check and prompts payment.

  A convenience store POS terminal 100 shown in FIG. 5 is connected to a convenience store server 800, and the convenience store server 800 is connected to an electronic payment / storage server 700 via a convenience store VAN (Value Added Network) 80. The electronic payment / storage server 700 is connected to the payment database 50.

  Here, the convenience store server 800 is a server that notifies the convenience store POS terminal 100 of the payment result when the amount is paid from the convenience store POS terminal 100 to the payment organization, and the convenience store VAN 80 is electronically paid to / from the convenience store server 800. This is a network for connecting the storage server 700.

  Further, as shown in FIG. 5, the convenience store POS terminal 100 checks the payment flag recorded in the IC card 30. If the payment flag is set to be payable, the convenience store POS terminal 100 prompts payment and makes payment. When the processing is continued, IC card authentication is performed.

  Then, the client uses the convenience store POS terminal 100 to select an item that can be paid out of the payment items included in the payment information. When the client pays the payment amount to the convenience store clerk in cash (the client can also pay the payment amount using electronic money), the convenience store POS terminal 100 indicates that the payment amount has been paid. Notify convenience store server 800.

  When the convenience store server 800 accepts from the convenience store POS terminal 100 that the payment amount has been paid, the convenience store server 800 sends a request for cancellation to the electronic payment / storage server 700 via the convenience store VAN 80. The electronic payment / storage server 700 , Delete the corresponding payment item.

  After the electronic payment / storage server 700 performs the application, the electronic payment / storage server 700 sends an application notification to the convenience store server 800 via the convenience store VAN 80, and the convenience store server 800 transmits the payment result confirmation to the convenience store POS terminal 100.

  Next, a processing method in which the bank counter terminal (cash settlement) 200 performs a payment flag check and prompts payment is described. FIG. 6 is an explanatory diagram for explaining a processing method in which the bank window terminal 200 performs a payment flag check and prompts payment.

  A bank window terminal 200 shown in FIG. 6 is connected to a bank server 600, and the bank server 600 is connected to an electronic payment / storage server 700 via a conventional channel (conventional network) 90. The electronic payment / storage server 700 is connected to the payment database 50. Note that the MPN shown in FIG. 4 may be used between the bank server 600 and the electronic payment / storage server 700.

  In addition, as shown in FIG. 6, the bank window terminal 200 checks the payment flag recorded in the IC card 30 and, if the payment flag is set to be payable, prompts payment. When the payment process is continued, IC card authentication is performed.

  Then, the bank clerk notifies the client of the payment item, and uses the bank window terminal 200 to select an item that can be paid out of the payment items included in the payment information. When the client pays the payment amount to the bank employee in cash, the bank employee or the like uses the bank window terminal 200 to notify the bank server 600 that the payment amount has been paid.

  When the bank server 600 accepts from the bank window terminal 200 that the payment amount has been paid, the bank server 600 sends a request for deletion to the electronic payment / storage server 700 via the conventional channel 90, and the electronic payment / storage server 700. Deletes the corresponding payment item.

  After the electronic payment / storage server 700 performs the application, the electronic payment / storage server 700 sends an application notification to the bank server 600 via the conventional channel 90, and the bank server 600 transmits a payment result confirmation to the bank window terminal 200.

  Note that the processing method of the bank window terminal (account settlement) 400 is the same as the processing method in which the ATM 300 shown in FIG.

  The client can also access the internet banking 500 from the client terminal 10 and pay the payment amount to the payment organization. In this case, the client terminal 10 checks the payment flag of the IC card 30, and if the payment flag is set to provisional registration or payable, the client terminal 10 prompts payment. The processing method of the Internet banking 500 is based on the processing method of the ATM 300 in FIG. 4, and the ATM 300 becomes the client terminal 10 and performs a logon operation instead of the password authentication.

  Next, a processing method in which the client terminal 10 receives an email related to tax payment / usage fee payment and acquires payment information from the portal server 900 will be described. FIG. 7 is an explanatory diagram for explaining a processing method in which the client terminal 10 receives an email related to tax payment / usage fee payment and acquires payment information from the portal server 900.

  The client terminal 10 shown in FIG. 7 is connected to the portal server 900 and the payment information management server 1000 via a network or the like, and the portal server 900 is connected to the payment information management server 1000 via a network or the like. The payment information management server 1000 is connected to the payment database 50. However, it is sufficient that the client terminal 10 and the payment information management server 1000 can communicate to the extent that the mail from the payment information management server 1000 can reach the client terminal 10.

  Here, the portal server 900 is a server that transmits payment information registered in advance from the payment information management server 1000 to the client terminal 10 when receiving a payment information inquiry from the client terminal 10.

  The payment information management server 1000 manages the payment information indicating the amount and payment date related to the payment of the tax / usage fee when the payment related to the tax / usage fee payment occurs to the client, and electronically pays the payment information. / A server that registers with the payment database 50 and the portal server 900 via the storage server 700 and notifies the client terminal 10 of a payment request by e-mail.

  Also, as shown in FIG. 7, the payment information management server 1000 registers payment information in the payment database 50 via the electronic payment / storage server 700 when the client pays tax / usage fee, and pays the payment. The information registration result is accepted and payment information is registered in the portal server 900.

  Further, the payment information management server 1000 transmits a payment request mail to the client terminal 10, and the client terminal 10 receives the payment request mail from the payment information management server 1000. Then, the client terminal 10 logs on to the portal server 900, performs payment information inquiry, acquires payment information, and stores the acquired payment information in the IC card 30.

  Next, the configuration of the convenience store POS terminal 100 shown in FIG. 1 will be described. FIG. 8 is a functional block diagram showing the configuration of the convenience store POS terminal 100 shown in FIG. As shown in the figure, the convenience store POS terminal 100 includes a control unit 110, an interface unit 120, a payment flag check unit 130, a payment prompting unit 140, an authentication processing unit 150, an accounting processing unit 170, and payment. And a processing unit 160.

  The control unit 110 is a processing unit that controls the entire convenience store POS terminal 100, and the interface unit 120 is a processing unit that communicates with the convenience store server 800 using a predetermined communication protocol.

  The payment flag check unit 130 is a processing unit that checks the payment flag of the IC card 30 using a reader (not shown) or the like. If the payment flag is set to be payable, a payment reminder is sent to that effect. Notification to the unit 140.

  The payment reminding unit 140 displays a payment reminding screen on a display device (not shown) such as a display when receiving a notification that the payment flag is set to payable from the payment flag checking unit 130. Part.

  FIG. 9 is a diagram showing an example of a payment prompting screen displayed on the display by the payment reminder 140. If “Yes” is selected by the client using the convenience store POS terminal 100 after the screen shown in FIG. 9 is displayed, the process proceeds to the payment procedure, and if “No” is selected, The transaction will be terminated without going through the payment procedure.

  The authentication processing unit 150 is a processing unit that authenticates the IC card 30 using a reader or the like. When the IC card 30 is not appropriate, a warning screen or the like is displayed on the display to stop the transaction.

  The payment processing unit 160 is a processing unit that acquires payment information from the IC card 30 using a reader and displays a list of payment information included in the payment information on a display. The payment processing unit 160 totals the payment amounts included in the selected payment information, and displays the total payment amount on the display.

  In addition, when the payment information is selected and information indicating that the corresponding amount has been paid by the client is received from the outside, the payment processing unit 160 indicates that the payment for the selected payment information has been performed. To 800.

  The accounting processing unit 170 is a processing unit that acquires the price of a product from a barcode reader or the like, and displays the total price of the acquired product on a display. The payment amount is handled in the same manner as the product, and is included in the total amount.

  Next, the configuration of the bank window terminal (cash settlement) 200 shown in FIG. 1 will be described. FIG. 10 is a functional block diagram showing the configuration of the bank window terminal 200 shown in FIG. As shown in the figure, the bank window terminal 200 includes a control unit 210, an interface unit 220, a payment flag check unit 230, a payment reminder unit 240, an authentication processing unit 250, a payment processing unit 260, an entry / exit A gold processing unit 270.

  Here, the payment flag check unit 230, the payment prompting unit 240, and the authentication processing unit 250 are the same as the payment flag check unit 130, the payment prompting unit 140, and the authentication processing unit 150 described above, and thus description thereof is omitted.

  The control unit 210 is a processing unit that controls the entire bank terminal 200, and the interface unit 220 is a processing unit that communicates with the bank server 600 using a predetermined communication protocol.

  The payment processing unit 260 is a processing unit that acquires payment information from the IC card 30 using a reader and displays a list of payment information included in the payment information on a display. The payment processing unit 260 totals the payment amounts included in the selected payment information, and displays the total payment amount on the display.

  When payment information is selected and information indicating that the corresponding amount has been paid by the client is received from the outside, the payment processing unit 260 indicates that payment for the selected payment item has been made. To 600.

  The deposit / withdrawal processing unit 270 is a processing unit that reads information such as the IC card 30 and the savings passbook using a reader and requests the bank server 600 to deposit, refund or transfer.

  Next, the configuration of the ATM 300 shown in FIG. 1 will be described. FIG. 11 is a functional block diagram showing the configuration of the ATM 300 shown in FIG. As shown in the figure, the ATM 300 includes a control unit 310, an interface unit 320, a payment flag check unit 330, a payment reminder unit 340, an inquiry request processing unit 350, a balance inquiry processing unit 360, a deposit and withdrawal. A processing unit 370, an authentication processing unit 380, and a payment processing unit 390 are included.

  The control unit 310 is a processing unit that controls the entire ATM 300, and the interface unit 320 is a processing unit that communicates with the bank server 600 using a predetermined communication protocol.

  The payment flag check unit 330 is a processing unit that checks the payment flag of the IC card 30 using a reader or the like. If the payment flag is set to provisional registration or payment, a payment reminder unit 340 is notified.

  The payment reminding unit 340 is a processing unit that displays a payment reminding screen on a display device such as a display when receiving a notification from the payment flag checking unit 330 that the payment flag is set to provisional registration or payment is possible. is there.

  The inquiry request processing unit 350 is a processing unit that makes an inquiry request for payment information to the bank server 600 when transitioning to the payment procedure. When payment information is received from the bank server 600, a writer (not shown) or the like is used. The payment information is recorded on the IC card 30 by using it.

  The balance inquiry processing unit 360 is a processing unit that makes a balance inquiry request to the bank server 600, acquires information related to the balance of the account related to the client, and displays the information related to the acquired balance on a display or the like. Further, the balance inquiry processing unit 360 calculates a difference between payment amounts included in the payment information from the balance acquired from the bank server 600 and displays the difference on the display.

  The deposit / withdrawal processing unit 370 is a processing unit that uses a reader or the like to read information such as the IC card 30 and the savings passbook, and requests the bank server 600 to deposit, refund or transfer, and the authentication process. The unit 380 is a processing unit that authenticates the personal identification number of the client input from the input device and the IC card 30.

  The payment processing unit 390 obtains payment information from the IC card 30 using a reader, displays a list of payment information included in the payment information on the display, and when a payment item is selected, the selected payment It is a processing unit that makes a payment request for information to the bank server 600.

  Next, the IC card 30 used in the client terminal 10, the convenience store POS terminal 100, the bank window terminals 200 and 400, and the ATM 300 will be described. FIG. 12 is a diagram illustrating an example of the IC card 30 used in the client terminal 10, the convenience store POS terminal 100, the bank window terminals 200 and 400, and the ATM 300.

  As shown in FIG. 12, the IC card 30 includes a magnetic tape 30a that stores information for authenticating a client used in the ATM 300 or the like, and an IC chip 30b that records a payment flag, electronic money, and payment information.

  FIG. 13 is a diagram illustrating an example of the data structure of the IC chip 30b. As shown in FIG. 13, the IC chip 30b has a non-protected area 31 storing a payment flag, a protected area 32 storing payment information, and a non-protected area 33 storing electronic money.

  Here, when “0” is stored in the non-protected area 31 in which the payment flag is stored, it indicates that there is no payment case, and when “1” is set, provisional registration is not performed. Indicates that it is set (there is no payment information that can be paid), and “2” is set, that payment is possible (at least one payment information that can be paid exists) Show).

  Next, the data structure of payment information stored in the protection area 32 will be described. FIG. 14 is a diagram illustrating an example of a data structure of payment information stored in the protection area 32. As shown in the figure, the payment information includes “payment number”, “case name”, “payment type”, “processing status”, “date”, “payment amount”, and “confirmation number”. And have.

  Here, the payment number is a number for identifying each payment item included in the payment information, the case name is information indicating the name of the case, and the payment type is information indicating whether prepaid or postpaid. The processing status is information indicating the review status and payment status for the project, the due date indicates the due date for payment to the payment organization, the payment amount indicates the amount to be paid, and the confirmation number is for each case item. This is information for confirming the processing status and the like.

  Therefore, the case name for the payment number “123123456789” is “Jiumin Leopard”, the payment type is “Prepayment”, the processing status is “Received (payment completed)”, and the due date is “Undecided” The payment amount is “300 yen” and the confirmation number is “345xcv1298”. This payment corresponds to a prepaid administrative fee and is not handled in the present invention.

  In addition, the case name for the payment number “123123456790” is “xxxxxxx”, the payment type is “postpay”, the processing status is “under review”, the due date is “undecided”, and the payment amount is “undecided” And the confirmation number is “82134 × 6me8”. This payment corresponds to a post-payment administrative fee, and represents the state of “temporary registration” because the amount of payment is undecided.

  In addition, the case name for the payment number “12312345691” is “yyyyyyy shinsei”, the payment type is “postpay”, the processing status is “accepted”, the due date is “undecided”, and the payment amount is “5000”. Circle ”and the confirmation number is“ 70lfv619x7 ”. This payment corresponds to a post-payment administrative fee, and represents the state of “payable” because the payment amount has been determined.

  Also, the case name for the payment number “123123456922” is “Koteshi Sansei”, the payment type is “postpay”, the processing status is “reviewed”, and the due date is “April 30, 2004” The amount is “72,000 yen” and the confirmation number is “48hlt475a5”. This payment corresponds to tax payment / usage fee payment, and represents a “payable” state because the payment amount has been determined.

  Next, a processing procedure in which the ATM 300 prompts payment and pays the payment amount will be described. 15 to 19 are flowcharts showing a processing procedure in which the ATM 300 prompts payment and pays a payment amount. As shown in the figure, when the client loads the IC card 30 into the ATM and inputs the personal identification number, the ATM 300 transmits the personal identification number to the bank server 600 (step S101), and the bank server 600 accepts the personal identification number. (Step S102), system authentication is performed (Steps S103 to S104).

  The ATM 300 checks the payment flag of the IC card 30 (step S105), and if the payment flag is not set to provisional registration or payment (step S106, No), the process is terminated and the payment flag is provisionally registered. Or when it is set as payment possible (step S106, Yes), a dunning message is output (step S107) and the response with respect to a dunning message is received from a client (step S108).

  The ATM 300 terminates the process when the response content is the payment process end (step S109, No), and when the response content is the payment process continuation (step S109, Yes), the IC card is operated by the client operation. Authentication is performed (step S110), the first payment information is acquired from the IC card 30 (step S111), and a payment information inquiry request is sent to the bank server 600 (step S112).

  The bank server 600 accepts the payment information inquiry request (step S113), makes a payment information inquiry request to the electronic payment / storage server 700 (step S114), and the electronic payment / storage server 700 accepts the payment information inquiry request (step S114). S115), payment information inquiry processing is performed (step S116), and payment inquiry information is transmitted to the bank server 600 (step S117).

  The bank server 600 receives the payment inquiry information (step S118), transmits the payment inquiry information to the ATM 300 (step S119), the ATM 300 receives the payment inquiry information (step S120), and receives the payment information of the IC card 30. Update (step S121).

  When the amount is set in the corresponding payment information (step S122, Yes), the ATM 300 sets the payment flag to “payable” (step S123), and determines whether or not all payment information has been inquired. (Step S124).

  On the other hand, when the amount is not set in the corresponding payment information (No at Step S122), the process proceeds to Step S124 as it is.

  If the ATM 300 has not inquired all the payment information (No at Step S124), the ATM 300 acquires the next payment information (Step S125), and proceeds to Step S112. On the other hand, when all the payment information is inquired (step S124, Yes), the account balance information is requested from the bank server 600 (step S126).

  The bank server 600 receives a request for account balance information (step S127), performs a balance inquiry (step S128), and transmits the account balance information to the ATM 300 (step S129).

  The ATM 300 receives the account balance information (step S130), acquires the first payment information from the IC card 30 (step S131), and when the amount of the acquired payment information is determined (step S132, Yes), the payment information is output to the payment information work table (step S133), and it is determined whether or not all the payment information has been acquired (step S134).

  On the other hand, when the amount of the acquired payment information has not been determined (No at Step S132), the process proceeds to Step S134 as it is.

  If the ATM 300 has not acquired all the payment information (No at Step S134), the ATM 300 acquires the next payment information (Step S135), and proceeds to Step S132. On the other hand, if all payment information has been acquired (step S134, Yes), all amounts of payment information are added and output to the payment amount full amount work table (step S136).

  If the added payment amount is greater than the account balance (step S137, Yes), a balance shortage message is output (step S138), and the display format is accepted from the client operation (step S139). On the other hand, if the added payment amount is equal to or greater than the account balance (No at step S137), the process proceeds to step S139 as it is.

  When the response contents are in order of due date (step S140, Yes), the contents of the payment information work table are copied to the payment information display table in order of close due date (step S141), and payment is performed by operating the client. Information is selected (step S142).

  On the other hand, when the response contents are not in due date order (step S140, No), it is determined whether the response contents are in money order (ascending order) (step S143), and in case of money order (ascending order) (step S143, step S143). Yes), the contents of the payment information work table are copied to the payment information display table in ascending order of money (step S144), and the process proceeds to step S142.

  On the other hand, when the response content is not in order of money amount (ascending order) (step S143, No), it is determined whether the response content is in order of money amount (descending order) (step S145). (Step S145, Yes), the contents of the payment information work table are copied to the payment information display table in descending order of the amount (Step S146), and the process proceeds to Step S142.

  On the other hand, if it is not in order of money amount (descending order) (step S145, No), the contents of the payment information work table are copied to the payment information table in order of close due date (step S147), and the process proceeds to step S142. This process is a default determination process prepared for safety, and is not selected in a normal process.

  Then, the ATM 300 adds the amount of the selected payment information (step S148), determines whether or not the sum of the added amounts is greater than the account balance (step S149), and the sum of the amounts is greater than the account balance. If it is larger (step S149, Yes), a balance shortage message is output (step S150), and the process proceeds to step S139.

  On the other hand, if the total amount is the account balance (No at step S149), a selection confirmation message is output and a response from the client is received (step S151). If the selection is not OK (step S152, No), the process proceeds to step S139.

  On the other hand, if the selection is OK (step S152, Yes), the first payment information is obtained (step S153), a payment request is sent to the bank server 600 (step S154), and the bank server 600 A payment request is accepted (step S155).

  Then, the bank server 600 performs settlement (step S156), transmits the payment result to the ATM 300 (step S157), sends a request for cancellation to the electronic payment / storage server 700 (step S158), and the electronic payment / storage server 700. Accepts the application request (step S159), performs the application (step S160), transmits the application completion notification to the bank server 600 (step S161), and the bank server 600 receives the application notification (step S162). ).

  By the way, the ATM 300 receives the payment result from the bank server 600 (step S163), and when payment is normally completed (step S164, Yes), the corresponding payment information is deleted from the IC card 30 (step S165). It is determined whether or not all payment information has been processed (step S166). On the other hand, if payment has not been completed normally (step S164, No), the process proceeds to step S166 as it is.

  If the ATM 300 has not processed all the payment information (step S166, No), the ATM 300 obtains the next payment information (step S167), proceeds to step S154, and has processed all the payment information. (Step S166, Yes), the IC card 30 is injected and the process is terminated.

  In this way, the ATM 300 checks the payment flag, and when the payment flag is set to tentative registration or payment, the payment reminder screen is output, so that the client can be urged to pay the payment organization. The rate can be improved.

  Next, a process procedure in which the convenience store POS terminal 100 prompts for payment and pays the payment amount will be described. 20 to 23 are flowcharts showing a processing procedure in which the convenience store POS terminal 100 prompts payment and pays a payment amount. As shown in the figure, the convenience store POS terminal 100 totals the price of the product (step S201), displays the total price of the product (step S202), and the cashier prompts the client to present the IC card 30, and the IC card The payment flag is checked by loading it on the reader / writer (step S203).

  If the payment flag is not set to be payable (No at Step S204), the process is terminated, and if the payment flag is set to be payable (Yes at Step S204), a dunning message is output. (Step S205) A response to the dunning message is received from the client (Step S206). If the response content is the end of the payment process (No at Step S207), the process is terminated.

  On the other hand, when the payment process is continued (step S207, Yes), IC card authentication is performed by the operation of the client (step S208), the first payment information is acquired (step S209), and the amount is determined. In the case (step S210, Yes), the payment information is output to the payment information work table (step S211), and it is determined whether or not all the payment information has been acquired (step S212). On the other hand, when the amount has not been determined (No in step S210), the process proceeds to step S212 as it is.

  If the convenience store POS terminal 100 has not acquired all the payment information (No in step S212), the convenience store POS terminal 100 acquires the next payment information (step S213), and proceeds to step S210. On the other hand, when all the payment information has been acquired (step S212, Yes), the display format is accepted from the operation of the client (step S214). When the response contents are in order of due date (step S215, Yes), the payment information The contents of the work table are copied to the payment information display table in order of close due date (step S216), and payment information for payment is selected by the operation of the client (step S217).

  On the other hand, if the response content is not in due date order (step S215, No), it is determined whether the response content is in monetary order (ascending order) (step S218). If the response content is in monetary order (ascending order) (step S218, Yes), the contents of the payment information work table are copied to the payment information display table in ascending order of the amount (step S219), and the process proceeds to step S217.

  On the other hand, if the response content is not in order of money amount (ascending order) (No in step S218), it is determined whether the response content is in order of money amount (descending order) (step S220). (Step S220, Yes), the contents of the payment information work table are copied to the payment information display table in descending order of the amount of money (step S221), and the process proceeds to step S217.

  If it is not in order of money amount (descending order) (No in step S220), the contents of the payment information work table are copied to the payment information table in order of close date (step S222), and the process proceeds to step S217. This process is a default determination process prepared for safety, and is not selected in a normal process.

  Then, the convenience store POS terminal 100 adds the amount of the selected payment information (step S223), displays the selected content and the amount, receives a response from the client (step S224), and is not OK with the displayed selected content and amount. In that case (step S225, No), the process proceeds to step S214.

  On the other hand, if the displayed selection contents and amount are OK (step S225, Yes), the first payment information is obtained (step S226), and a payment request is sent to the convenience store server 800 (step S227). 800 accepts the payment request (step S228).

  Then, the convenience store server 800 issues a request for deletion to the electronic payment / storage server 700 (step S229), and the electronic payment / storage server 700 receives the request for deletion (step S230) and performs the deletion (step S231). Then, a consumption end notification is transmitted to the convenience store server 800 (step S232), the convenience store server 800 receives the consumption notification (step S233), and transmits the payment result to the convenience store POS terminal 100 (step S234).

  The convenience store POS terminal 100 receives the payment result from the convenience store server 800 (step S235), and when payment is completed normally (step S236, Yes), the corresponding payment information is deleted from the IC card 30 (step S237). Then, it is determined whether or not all payment information has been processed (step S238). On the other hand, if payment has not been completed normally (step S236, No), the process proceeds to step S238 as it is.

  When the convenience store POS terminal 100 has not processed all the payment information (No in step S238), the next payment information is obtained (step S239), and the process proceeds to step S227, where all the payment information is processed. In this case (step S238, Yes), the payment method is accepted from the client (step S240). When the payment method is electronic money (step S241, No), the total price and the total payment amount of the product obtained in step S202 are calculated. Perform electronic money settlement for the total (step S242), and if the payment method is cash (step S241, Yes), accept that the cash has been paid for the total of the total price and payment of the product obtained in step S202 (Step S243). After the payment is completed, the IC card 30 is injected and the process ends.

  As described above, the convenience store POS terminal 100 checks the payment flag and outputs a payment prompting screen when the payment flag is set to be ready for payment, so that the client can be urged to pay the payment organization. The rate can be improved.

  Next, a processing procedure in which the bank window terminal (cash settlement) 200 prompts payment and pays the payment amount will be described. 24 to 26 are flowcharts showing a processing procedure in which the bank window terminal 200 prompts payment and pays a payment amount. As shown in the figure, the bank counter prompts the client to present the IC card 30 and loads it to the IC card reader / writer, whereby the bank window terminal 200 checks the payment flag (step S301), and the payment flag can be paid. If not set (step S302, No), the process is terminated, and if the payment flag is set to be payable (step S302, Yes), a reminder message is output (step S303). A response to the dunning message is accepted from the client (step S304), and if the response content is the payment process end (step S305, No), the process ends.

  On the other hand, when the payment process is continued (step S305, Yes), IC card authentication is performed by the operation of the client (step S306), the first payment information is acquired (step S307), and the amount is determined. In this case (step S308, Yes), the payment information is output to the payment information work table (step S309), and it is determined whether or not all the payment information has been acquired (step S310). On the other hand, when the amount has not been determined (No at Step S308), the process proceeds to Step S310 as it is.

  If all payment information has not been acquired (No at Step S310), the bank window terminal 200 acquires the next payment information (Step S311), and proceeds to Step S308. On the other hand, when all the payment information has been acquired (step S310, Yes), the display format is accepted from the operation of the client (step S312), and when the response contents are in order of due date (step S313, Yes), the payment information The contents of the work table are copied to the payment information display table in order of close due date (step S314), and payment information to be paid is selected by the operation of the client (step S315).

  On the other hand, if the response content is not in due date order (step S313, No), it is determined whether the response content is in money order (ascending order) (step S316). If the response content is in money order (ascending order) (step S316). Yes), the contents of the payment information work table are copied to the payment information display table in ascending order of money (step S317), and the process proceeds to step S315.

  On the other hand, if the response content is not in order of money amount (ascending order) (step S316, No), it is determined whether the response content is in order of money amount (descending order) (step S318). (Step S318, Yes), the contents of the payment information work table are copied to the payment information display table in order of the amount of money (step S319), and the process proceeds to step S315.

  If it is not in order of money amount (descending order) (No in step S318), the contents of the payment information work table are copied to the payment information table in order of close date (step S320), and the process proceeds to step S315. This process is a default determination process prepared for safety, and is not selected in a normal process.

  Then, the bank window terminal 200 adds the amount of the selected payment information (step S321), displays the selected content and the amount, accepts a response from the client (step S322), and OKs with the displayed selected content and amount. If not (step S323, No), the process proceeds to step S312.

  On the other hand, if the displayed selection contents and amount are OK (step S323, Yes), the first payment information is obtained (step S324), and a payment request is made to the bank server 600 (step S325). 600 accepts the payment request (step S326).

  Then, the bank server 600 sends an application request to the electronic payment / storage server 700 (step S327), and the electronic payment / storage server 700 receives the application request (step S328) and performs the application (step S329). The bank server 600 receives the erase end notification (step S330), receives the erase notification (step S331), and sends the payment result to the bank window terminal 200 (step S332).

  The bank window terminal 200 receives the payment result from the bank server 600 (step S333), and when payment is completed normally (step S334, Yes), the corresponding payment information is deleted from the IC card 30 (step S335). Then, it is determined whether or not all payment information has been processed (step S336). On the other hand, if payment has not been completed normally (step S334, No), the process proceeds to step S336 as it is.

  If all payment information has not been processed (No at Step S336), the bank window terminal 200 obtains the next payment information (Step S337) and proceeds to Step S325. On the other hand, if all payment information has been processed (step S336, Yes), it is accepted that cash has been paid (step S338). After the payment is completed, the IC card 30 is injected and the process ends.

  As described above, the bank window terminal 200 checks the payment flag and outputs a payment prompting screen when the payment flag is set to be ready for payment, so that the client can be urged to pay the payment organization. The rate can be improved.

  As described above, in this embodiment, when a client makes an electronic application using the client terminal 10, the payment flag of the IC card 30 is set to temporary registration. When the examination for the electronic application is completed and the payment amount and the due date are determined, the payment information is stored in the IC card 30 and the payment flag is set to be payable.

  When the client uses the bank server 600 via the ATM 300 or the like, the payment flag check unit 330 checks whether the payment flag of the IC card 30 is set to “payable” or “temporary registration”. When the payment flag is set to “payable” or “provisional registration”, the payment reminder 350 uses the display device to prompt the client to pay, and when the client proceeds to the payment procedure, the payment processor Since 390 performs payment processing to the payment institution, it is possible to prevent the client from delaying payment for post-payment, etc., and when payment is received, if payment is possible, the payment amount to the payment institution seamlessly after the completion of other payment procedures Can reduce the burden on the client.

(Appendix 1) A payment support program for supporting payment procedures to a payment organization,
The client obtains from the portable storage device examination status information including information on whether or not an application for post-payment has been made from the client to the payment organization, and the client makes an application for post-payment based on the examination status information. A determination processing procedure for determining whether or not
When it is determined by the determination processing procedure that the client has made an application for post-payment to the payment institution, a dunning processing procedure for prompting the client for payment to the payment institution using the display device;
A payment support program characterized by causing a computer to execute.

(Appendix 2) The examination status information further includes information on whether or not the examination for the application made by the client has been completed, and the judgment processing procedure has completed the examination for the application based on the examination status information. Whether or not, and the dunning processing procedure, when it is determined in the determination processing procedure that the examination is completed, payment information including a payment amount and a payment due date for post-payment from the portable storage device. The payment support program according to appendix 1, wherein the payment information is acquired and notified to the client using a display device.

(Additional remark 3) The balance information which is the information which concerns on a client's account balance is inquired, and the balance inquiry processing procedure of notifying the client of the inquired balance information using a display device is further executed. The payment support program according to the supplementary note 1 or 2, which is characterized.

(Additional remark 4) The amount of payment included in the payment information is totaled, and a payment amount calculation processing procedure for notifying the client of the total payment amount using a display device is further executed by the computer. Payment support program according to 1, 2 or 3.

(Additional remark 5) The said payment amount calculation processing procedure calculates the difference of the value which totaled the payment amount included in the said payment information, and the amount included in the said balance information, and uses this calculated difference for a display apparatus The payment support program according to appendix 4, wherein the client is notified.

(Appendix 6) A payment support method for supporting payment procedures to a payment organization,
The client obtains from the portable storage device examination status information including information on whether or not an application for post-payment has been made from the client to the payment organization, and the client makes an application for post-payment based on the examination status information. A determination processing step for determining whether or not
When it is determined by the determination processing step that the client has made an application for postpayment to the payment organization, a dunning processing step of urging the client to pay the payment organization using the display device;
A payment support method characterized by including

(Supplementary note 7) The examination status information further includes information on whether or not the examination for the application made by the client has been completed, and the determination processing step has completed the examination for the application based on the examination status information. Whether or not further, and the dunning process step determines, from the portable storage device, payment information including a payment amount and a payment date for post-payment when it is determined in the determination process step that the examination has been completed. The payment support method according to appendix 6, wherein the payment information is acquired and notified to the client using a display device.

(Additional remark 8) The balance information which is the information which concerns on the account balance of a client is inquired, The balance inquiry processing process which notifies the balance information which made the inquiry to a client using a display apparatus, It is characterized by the above-mentioned. The payment support method according to appendix 6 or 7.

(Additional remark 9) The amount of payment included in the said payment information is totaled, The payment amount calculation process process which notifies a client of the total payment amount using a display apparatus is further made to perform. The payment support method according to 6, 7 or 8.

(Supplementary Note 10) The payment amount calculation processing step calculates a difference between a sum of payment amounts included in the payment information and an amount included in the balance information, and uses the calculated difference using a display device. The payment support method according to appendix 9, wherein the client is notified.

  As described above, the payment support program according to the present invention is useful for a payment system or the like that needs to improve the payment rate by eliminating the payment delay for the administrative service organization caused by the post-payment method.

It is explanatory drawing (1) explaining the outline | summary of the payment assistance system which concerns on a present Example. It is explanatory drawing (2) explaining the outline | summary of the payment assistance system which concerns on a present Example. It is explanatory drawing for demonstrating the processing method in which a client terminal makes an electronic application to an electronic application server, and receives temporary payment information etc. It is explanatory drawing for demonstrating the processing system which ATM performs a payment flag check and performs payment reminder. It is explanatory drawing for demonstrating the processing system in which a convenience store POS terminal performs a payment flag check and performs payment reminder. It is explanatory drawing for demonstrating the processing system in which a bank counter terminal performs a payment flag check and performs payment reminder. It is explanatory drawing for demonstrating the processing system which a client terminal receives the email which concerns on a tax payment / usage fee payment, and acquires payment information from a portal server. It is a functional block diagram which shows the structure of the convenience store POS terminal shown in FIG. It is a figure which shows an example of the payment prompting screen which a payment reminder displays on a display. It is a functional block diagram which shows the structure of the bank window terminal shown in FIG. It is a functional block diagram which shows the structure of ATM shown in FIG. It is a figure which shows an example of the IC card used by a client terminal, a convenience store POS terminal, a bank window terminal, and ATM. It is a figure which shows an example of the data structure of an IC chip. It is a figure which shows an example of the data structure of the payment information memorize | stored in the protection area. It is a flowchart (1) which shows the process sequence which ATM pays a payment and pays a payment amount. It is a flowchart (2) which shows the process sequence which ATM pays a payment and pays a payment amount. It is a flowchart (3) which shows the process sequence which ATM pays payment and pays a payment amount. It is a flowchart (4) which shows the process sequence which ATM pays payment and pays a payment amount. It is a flowchart (5) which shows the process sequence which ATM pays payment and pays a payment amount. It is a flowchart (1) which shows the process sequence in which a convenience store POS terminal prompts payment and pays a payment amount. It is a flowchart (2) which shows the process sequence which the convenience store PO terminal S performs payment reminder and pays the payment amount. It is a flowchart (3) which shows the process sequence which a convenience store POS terminal prompts payment and pays a payment amount. It is a flowchart (4) which shows the process sequence which a convenience store POS terminal prompts payment and pays a payment amount. It is a flowchart (1) which shows the process sequence in which a bank window terminal performs payment reminder and pays a payment amount. It is a flowchart (2) which shows the process sequence which a bank window terminal performs payment reminding and pays a payment amount. It is a flowchart (3) which shows the process sequence which a bank window terminal performs payment reminding and pays a payment amount.

Explanation of symbols

10 Client terminal 20 Electronic application server 30 IC card 40 Administrator terminal device 50 Payment database 60 MPN
70 Account database 80 Convenience store VAN
90 Conventional channel 100 Convenience store POS terminal 110, 210, 320 Control unit 120, 220, 320 Interface unit 130, 230, 330 Payment flag check unit 140, 240, 340 Payment reminder unit 150, 250, 380 Authentication processing unit 160, 260, 390 Payment processing unit 170 Accounting processing unit 200,400 Bank window terminal 270,370 Deposit / withdrawal processing unit 300 ATM
350 Inquiry Request Processing Unit 360 Balance Inquiry Processing Unit 500 Internet Banking 600 Bank Server 700 Electronic Payment / Storage Server 800 Convenience Store Server 900 Portal Server

Claims (5)

A payment support program for causing a computer to execute processing for supporting payment of a fee performed by a client to a payment organization,
In the computer,
The interface unit is information indicating whether or not an application for post-payment of the fee to the payment organization has been made and whether or not the fee has been determined, and the payment is stored in the payment flag stored in the portable storage device of the client Applying to the institution to postpay the fee and setting provisional registration information indicating that the fee has not been determined;
A reader acquiring the payment flag from the portable storage device;
A step of determining whether the payment flag check unit is the provisional registration information;
An inquiry request processing unit, when the payment flag is the provisional registration information, sending an inquiry request for inquiring whether the fee has been determined to another computer having a database for storing information relating to the application; ,
The interface unit receiving payment inquiry information including information on whether or not the fee is determined for the transmitted inquiry request;
A payment prompting unit determining whether the fee is determined based on the received payment inquiry information;
And a step of outputting the information related to the fee based on the result of the determination.   When the payment prompting section indicates that the payment flag acquired from the portable storage device indicates that the application has been made or that the fee has been determined, information indicating that the payment to the payment agency is requested The payment support program according to claim 1, further comprising executing an output step. A step in which a balance inquiry processing unit obtains balance information that is information relating to the account balance of the client;
The interface unit receiving the payment inquiry information including the fee when the fee is determined;
3. The payment support according to claim 2, wherein the payment reminder executes the step of outputting the fee included in the payment inquiry information and the balance information acquired in the balance acquisition step. program.   The payment support program according to claim 3, wherein the payment processing unit causes a step of executing a payment process of paying the fee to the payment organization after the fee and the balance information are output. . The portable storage device stores the payment flag, and stores payment information that is information including a payment date corresponding to the application for each application,
The inquiry request processing unit transmitting the inquiry request for each of the payment information;
The interface unit outputs the payment information after arranging the payment due dates in order of closeness, or outputs the payment information after arranging the payments in ascending order. The payment support program according to claim 4, further comprising the steps of: outputting after arranging in a large amount.

Images