Information processing method, information processing device, and information processing program

Abstract

To provide an information processing method capable of reducing an input burden on bill information and preventing an input error when a buyer pays a bill by cashless settlement means, an information processing device, and an information processing program.SOLUTION: An information processing method includes a step of acquiring bill data from a system possessing the bill data, and a step of receiving a request of a settlement screen for paying a bill by cashless settlement means. The request includes identification information for identifying the bill data. The information processing method also includes a step of identifying bill data on the basis of the identification information in reply to the request and displaying the bill information extracted from the identified bill data on the settlement screen of the buyer terminal in advance, and a step of receiving a request for executing payment by the cashless settlement means from the buyer terminal which has displayed the settlement screen.SELECTED DRAWING: Figure 3

Description

[Technical field]

[0001] The present invention relates to an information processing method, an information processing device, and an information processing program. [Background technology]

[0002] Traditionally, in B2B (business-to-business) payments, the seller received card payments from the buyer. If the acquirer (supplier) wishes to receive the credit, the supplier must In recent years, however, the relationship between acquirers and suppliers has changed. By placing a B2B payment agent that can handle card payments at pseudo-affiliated stores, A system has emerged that receives payments and transfers them to suppliers, facilitating cross-company payments. It is now easier to pay with a credit card. The inter-company payment agency is Visa. The services provided by the company include Business Payment Service Pro It is sometimes called Vider (BPSP) and is a service provided by Mastercard. The Business Payment Aggregator Program It is sometimes called BPAP.

[0003] However, if a buyer uses a B2B payment service provider to credit payments to a supplier, When using a credit card, the buyer must enter the payment information provided by the B2B payment service provider. In addition, please provide the invoice information (invoice number, invoice amount, The transfer due date, transfer account information, etc. must be entered, and the inter-company payment agent must Invoice information entered by the buyer is not known to be correct, Based on the invoice information, credit card authorization and sales processing, as well as supply Therefore, it was a hassle for buyers to enter invoice information. This would place a strain on the system and could lead to input errors.

[0004] Patent Document 1 describes a program used in a bill collection system for collecting bills from payers. registering payer account information with a processor; and issuing a bill associated with the account, and transmitting the bill to a terminal used by the payer. and notifying the customer of information regarding the requisition together with the electronic payment means. A system has been proposed (e.g., claim 1). [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Patent Publication No. 2022-184700 Summary of the Invention [Problem to be solved by the invention]

[0006] The present invention has been made in consideration of the above points. Reduce the burden of inputting invoice information when paying invoices with cashless payment methods To provide a technique capable of inputting a desired number of characters and preventing input errors. [Means for solving the problem]

[0007] The information processing method according to the first aspect of the present invention is an information processing method executed by a computer. And, acquiring invoice data from a system that holds the invoice data; A payment screen for paying invoices using cashless payment methods from the buyer's terminal receiving a request for billing data, the request specifying billing data; and In response to the request, the payment screen is displayed on the buyer's terminal. and identifying bill data based on the identification information, and displaying the extracted invoice information on the payment screen in advance; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. receiving a request to execute the Includes.

[0008] According to this embodiment, the billing data is pre-registered from the system that holds the billing data. If the buyer pays the invoice using a cashless payment method, Invoice information extracted from invoice data obtained in advance is displayed on the payment screen in advance. This reduces the burden on buyers to input invoice information and reduces the risk of input errors. This can prevent the above from occurring.

[0009] An information processing method according to a second aspect of the present invention is the information processing method according to the first aspect, After identifying the billing data based on the identification information, Check the payment history of all cashless payment methods, and if payment has already been made, and outputting information to the buyer's terminal notifying that the payment has been made. include.

[0010] According to this embodiment, a bill to be paid by a cashless payment method If the data has already been paid for, the buyer is notified that it has been paid for This prevents duplicate credit card payments.

[0011] An information processing method according to a third aspect of the present invention is the information processing method according to the first aspect, After acquiring the invoice data from the system that holds the invoice data, Before receiving the request for the payment screen from the terminal, Pre-qualify suppliers and / or buyers identified by the invoice information provided The method further includes the step of:

[0012] According to this embodiment, the invoice data obtained in advance is used to and / or screening of buyers (e.g., legal entity and criminal status verification, etc.) This allows the company to carry out such checks in advance (before transactions begin), preventing money laundering and anti-social activities. This can prevent transactions with

[0013] An information processing method according to a fourth aspect of the present invention is the same as any one of the information processing methods according to the first to third aspects. 1. A method comprising: The invoice information may include at least one of an invoice number, an invoice amount, a transfer date, and a transfer account number. Contains at least one.

[0014] An information processing method according to a fifth aspect of the present invention is the same as any one of the information processing methods according to the first to third aspects. 1. A method comprising: The step of displaying the payment screen includes displaying an invoice extracted from the specified invoice data. The amount plus a specified fee is displayed on the payment screen as the credit card billing amount. The method includes the step of displaying the

[0015] An information processing method according to a sixth aspect of the present invention is the information processing method according to any one of the first to third aspects. 1. A method comprising: Steps to receive a request for a supplier's personal page from the supplier's device The request includes identification information for identifying a supplier and one or more and a search condition for identifying a number of invoice data items. In response to the request, a process for displaying the My Page on the terminal of the supplier. identifying a supplier based on the identification information, A list of bill data that meets the search conditions is stored in the My Page. displaying the message on the screen; Further includes:

[0016] According to this embodiment, even if a large number of invoices are issued by a supplier, However, suppliers can easily search and check the invoice data they want to see. .

[0017] An information processing method according to a seventh aspect of the present invention is an information processing method according to the sixth aspect, The list of invoice data is displayed on the terminal of the supplier who displayed the My Page. receiving information selecting one of the invoice data; A step to check the transfer status of the selected invoice data and display it on the My Page. Top and Further includes:

[0018] According to this embodiment, the supplier can check the transfer status of his / her invoice data. It can be easily confirmed.

[0019] An information processing method according to an eighth aspect of the present invention is an information processing method according to the sixth aspect, The supplier's terminal that displayed the My Page can then send the invoice data for which payment has already been made. receiving a request for reconciliation data via the A process for transmitting the reconciliation data to the supplier terminal in response to the request. Tep and Further includes:

[0020] According to this embodiment, the workload of clearing payments by suppliers can be reduced.

[0021] An information processing method according to a ninth aspect of the present invention is the information processing method according to any one of the first to third aspects. 1. A method comprising: This is the step where a request for a buyer's personal page is received from the buyer's terminal. The request may include an identification to identify the buyer and one or more invoice data. and a search criterion for identifying the data. In response to the request, the step of displaying the My Page on the buyer's terminal. a buyer is identified based on the identification information, and an invoice data of the identified buyer is and displaying a list of invoice data that meets the search conditions on the My Page. and Further includes:

[0022] According to this embodiment, even if a large number of invoices are issued to a buyer, However, buyers can easily search and check the invoice data they want to see.

[0023] An information processing device according to a tenth aspect of the present invention comprises: An invoice data acquisition unit that acquires invoice data from a system that holds the invoice data; , A payment screen for paying invoices using cashless payment methods from the buyer's terminal a payment screen request receiving unit for receiving a request for a payment screen, A payment screen request receiving unit including specific information for identifying data; In response to the request, the payment screen is displayed on the buyer's terminal. A display unit identifies bill data based on the identification information, and displays the identified bill data. a payment screen display unit for displaying in advance on the payment screen the invoice information extracted from the payment data; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. a payment execution request receiver for receiving a request to execute a payment execution request; Includes.

[0024] An information processing program according to an eleventh aspect of the present invention comprises: acquiring invoice data from a system that holds the invoice data; A payment screen for paying invoices using cashless payment methods from the buyer's terminal receiving a request for billing data, the request specifying billing data; and In response to the request, the payment screen is displayed on the buyer's terminal. and identifying bill data based on the identification information, and displaying the extracted invoice information on the payment screen in advance; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. receiving a request to execute the to be executed by the computer. Effect of the Invention

[0025] According to the present invention, when a buyer pays an invoice using a cashless payment method, This reduces the burden of inputting invoice information and prevents input errors. [Brief description of the drawings]

[0026] [Figure 1] FIG. 1 is a diagram showing an overall configuration of an information processing system according to an embodiment. [Diagram 2] FIG. 2 is a diagram showing a schematic configuration of a payment agent system. [Diagram 3] FIG. 3 is a diagram for explaining an example of the operation of the payment agent system. [Figure 4] FIG. 4 is a diagram for explaining an example of the operation of the payment agent system. [Diagram 5] FIG. 5 is a table showing an example of invoice information included in the invoice data. [Figure 6] FIG. 6 is a diagram showing an example of a registration screen displayed on a buyer's terminal. [Figure 7] FIG. 7 is a diagram showing an example of a payment screen displayed on the buyer's terminal. [Figure 8] FIG. 8 is a diagram showing an example of a payment screen displayed on the buyer's terminal. [Figure 9] FIG. 9 is a diagram showing an example of a notification screen displayed on the buyer's terminal. [Figure 10] FIG. 10 is a diagram showing an example of a My Page displayed on a supplier's terminal. [Figure 11] FIG. 11 is a diagram showing an example of a My Page displayed on a supplier's terminal. [Figure 12] FIG. 12 is a diagram showing an example of a My Page displayed on the supplier's terminal. [Figure 13] FIG. 13 is a diagram showing an example of a My Page displayed on a buyer's terminal. [Figure 14] FIG. 14 is a diagram showing an example of a My Page displayed on a buyer's terminal. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0027] Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the description and the drawings used in the following description, parts that can be configured identically are designated by the same reference numerals. will be used and duplicated explanations will be omitted.

[0028] In the following explanation, a credit card will be used as an example of a cashless payment method. Examples of such transactions include, but are not limited to, BNPL (Buy Now Pay It may be a deferred payment method such as a later payment method, or a prepaid card. The payment method may be a fast payment method or an instant payment method such as a debit card.

[0029] In the following explanation, the seller company (Seller) is used as the "system that holds the invoice data." An invoice issuing agency that acts as an intermediary between a purchaser (also called a buyer) and a buyer company (also called a buyer). The following example will be used to explain the system of a vendor (also known as an invoice issuing vendor), but is not limited to this. Instead, for example, Peppol certified businesses (also called Peppol service providers) The system may be the system of the supplier.

[0030] (Device Configuration) FIG. 1 is a diagram showing an overall configuration of an information processing system 1 according to an embodiment. As shown in the figure, the information processing system 1 includes a payment processing service provider system 2 and an invoice issuing service provider system 3. System 3 (the system that holds the invoice data), the buyer's terminal 4, and the supplier The terminal 5, the acquirer system 6, and the issuer system 7 are included. The system and terminals 2 to 7 are connected to each other so as to be able to communicate with each other via a network such as the Internet. The network can be either wired or wireless, and the type and form of the network can vary. At least a part of each system and terminals 2 to 7 is computer-based. This is realized.

[0031] The following is a rough explanation of the data flow in the information processing system 1. First, the supplier When outsourcing invoice issuance to an invoice issuing agent, the invoice is issued from the supplier's terminal 5. The invoice data is sent to the invoice issuing agent system 3 and stored there. When receiving and viewing an invoice from an invoice issuing vendor, the invoice issuing agent system Invoice data is sent from the payment terminal 3 to the buyer's terminal 4 and displayed. Invoice data is transferred from the invoice issuing agent system 3 to the invoice issuing agent system 2. The value is stored as

[0032] Buyers use a payment service provider to make payments to suppliers by credit card (cash If you want to use a cashless payment method, the payment agent system 2 will The payment screen is sent to and displayed on Terminal 4. The buyer can check the invoice information on the payment screen. After inputting the information, when you perform the operation to execute the payment, a request to execute the payment The est is sent from the buyer's terminal 4 to the payment processing company system 2, and The authorization process is then carried out between the system 2 and the acquirer system 6. The credit card payment has been completed from the transaction operator's system 2 to the buyer's terminal 4. The payment agent system 2 notifies the bill issuing agent system 3. The card payment result is passed to.

[0033] After that, sales processing is carried out between the payment processing company system 2 and the acquirer system 6. The payment agent will then transfer the invoice amount to the supplier. The acquirer transfers the invoice card payment amount to the business, and the issuer and buyer Billing / payment of invoice card settlement amounts is carried out between the company and the customer.

[0034] Next, the payment service provider system 2 will be described in detail. FIG. 1 is a diagram showing a schematic configuration of a stem 2.

[0035] As shown in FIG. 2, the payment service provider system 2 includes a communication unit 21, a control unit 22, and a memory. Each of the units 21 to 23 can communicate with each other via a bus or a network. is connected to

[0036] Of these, the communication unit 21 is a unit for communicating between the payment processing agency system 2 and an external network. The communication unit 21 is an interface. and transmits and receives information between the payment processing agency system 2 and other systems and terminals 3 to 6. .

[0037] The storage unit 23 is a non-volatile data storage such as a flash memory or a hard disk. The storage unit 23 stores various data handled by the control unit 22. For example, The storage unit 23 includes an invoice data database 23a and a buyer information database 23b. and a supplier information database 23c.

[0038] The invoice data database 23a contains the invoice data acquired from the invoice issuing agent system 3. FIG. 5 shows a plurality of billing data items. 5 is a table showing an example. As shown in FIG. 5, the invoice information included in the invoice data is Includes basic invoice information, supplier (transfer) account information, and buyer transfer information. Among these, the invoice basic information is an invoice ID for uniquely identifying the invoice data. (Specific information), invoice number, invoice amount, transfer date, supplier ID, The transfer account information may include a financial institution code and a branch code. The name of the financial institution, the branch name, the account type, the account number, and the account holder name. The buyer transfer information may also include the name of the transferee.

[0039] The invoice data database 23a stores the amount of credit by the buyer for each invoice data. Payment history of invoice amount via credit card and / or supplier (transfer) account The transfer history of the invoice amount may be linked and stored.

[0040] The buyer information database 23b stores corporate information of multiple buyers, which is used to uniquely identify the buyers. For example, the buyer's company ID is stored in the Business information includes the company name, company name in kana, business type (corporation / sole proprietor), and corporate number. It may also include the business type, postal code, prefecture, and address (such as down to city, ward, town, or village). The buyer's company information is transferred from the payment processing agency system 2 to the invoice issuing agency system 3. By acquiring the linked data in advance from the buyers, the data is recorded in the buyer information database 23b. The payment agent system 2 may be stored in the payment server 2, or the buyer may input the payment agent system 2 when the buyer uses the payment agent system 2 for the first time. The buyer himself / herself enters the information on the registration screen and registers for use, and the information is added to the buyer information database 23b. It may be stored.

[0041] The supplier information database 23c contains company information and accounts of multiple suppliers. The information is stored in association with a supplier ID that uniquely identifies the supplier. For example, the company information of a supplier includes the company name, the kana company name, and the business form. (Corporation / Individual business owner), corporate number, industry, postal code, prefecture, address (city, ward, town, etc.) The account information may include a financial institution code, a branch code, and a bank number. It may include the financial institution name, branch name, account type, account number, and account holder name. The buyer's company information and account information are handled by the payment processing company system 2, which is a bill issuing agency. By acquiring the supplier information data in advance as linked data from supplier system 3, The payment information may be stored in the database 23c, or the supplier may use the payment processing system 2. When using the service for the first time, the supplier can register by entering information on the registration screen. It may also be stored in the year information database 23c.

[0042] The storage unit 23 is not necessarily physically provided within the payment processing business system 2. A part or all of the memory unit 23 may be used as a payment agent via an external network. In another device (e.g., cloud storage) that is communicatively connected to the operator system 2 It may be provided.

[0043] As shown in FIG. 2, the control unit 22 includes a bill data acquisition unit 22a and a pre-screening unit 22a2. a payment screen request receiving unit 22b, a payment screen display unit 22c, and a payment execution request A payment receipt section 22d, a payment completion notification section 22e, and a supplier-oriented My Page display section 22 f, a clearing data transmission unit 22g, and a buyer's My Page display unit 22h. Each of these units 22a to 22h is configured by a processor in the payment service provider system 2. This may be achieved by executing a program, or may be implemented in hardware. .

[0044] The invoice data acquisition unit 22a periodically accesses the invoice issuing agent system 3. The bill data acquired by the bill data acquisition unit 22a is , and are stored in the invoice data database 23a.

[0045] The preliminary screening unit 22a2 extracts billing information from the billing data acquired by the billing data acquisition unit 22a. The supplier and / or supplier-specific invoice information (see Figure 5) is extracted from the invoice information. or pre-screening of buyers (for example, checking the existence of corporations or criminal cases, etc.) For example, the advance examination unit 22a2 performs the W-number system provided by the National Tax Agency. Using eb-API, identified suppliers and / or buyers as legal entities For example, the pre-screening unit 22 may check whether the file exists or not. a2 is an external legal entity verification system8 (e.g., Nikkei Risk & Compliance provided by the Nihon Keizai Shimbun). Use third-party third-party vendors (e.g., third-party vendors) to contact identified suppliers and / or buyers It is also acceptable to check whether the person in question is affiliated with anti-social forces (anti-social forces) or whether there have been any criminal cases against them. Using the invoice data obtained in advance, the pre-screening section 22a2 and / or screen buyers in advance (before the transaction begins) to prevent money laundering. This can prevent the occurrence of transactions with anti-social forces and the like. and / or the results of the buyer's pre-qualification are provided in the Supplier Information Database 33c and and / or stored in the buyer information database 33b.

[0046] The payment screen request receiving unit 22b receives a payment screen request from the buyer's terminal 4. A request for a payment page to be made with a credit card (hereinafter referred to as a payment page request) For example, the buyer displays the invoice data on the buyer's terminal 4 and views it. After that, tap or click the "Pay by card" button that appears on the screen. ) Then, a payment screen request is sent from the buyer's terminal 4 to the payment agent system 2. The payment screen request is received by the payment screen request receiving unit 22b. Alternatively, for example, a buyer may use a 2D code printed on a paper invoice. When the buyer takes a picture of the card with the camera of the terminal 4, the card is sent from the buyer's terminal 4 to the payment agent system 2. A payment screen request is sent, and the payment screen request is received by a payment screen request receiving unit 2. The payment screen request may be received by 2b. In addition to the specific information, the payment screen request also includes the sub The supplier ID may further be included to uniquely identify the buyer. The purchase information may further include a buyer ID for uniquely identifying the purchaser.

[0047] The payment screen display unit 22c displays the payment screen request received by the payment screen request receiving unit 22b. In response to the EST, the payment screen (see Figures 7 and 8) is sent to the buyer's terminal 4 and displayed. At this time, the payment screen display unit 22c displays the specific information included in the payment screen request. Based on the information, the billing data database 23a is referenced to identify the corresponding billing data. Then, the payment screen display unit 22c extracts the invoice information (see FIG. 5) from the specified invoice data. The system extracts the invoice information and provides the supplier and buyer information identified by the extracted invoice information. The result of the preliminary examination by the preliminary examination unit 22a2 is then confirmed.

[0048] In the pre-screening by the Pre-screening Division 22a2, either the supplier or the buyer If it is known in advance that there is a problem with both the payment method and the payment screen display unit 22c Instead of the screen, an error screen is displayed on the buyer's side indicating that the transaction cannot be completed. On the other hand, in the preliminary examination by the preliminary examination unit 22a2, If it is known in advance that there are no problems with either the buyer or the buyer, the settlement The screen display unit 22c extracts the invoice information (see FIG. 5) from the specified invoice data, The invoice information is displayed on the payment screen in advance. For example, in the example shown in Figure 7, The payment screen display unit 22c displays the payment information based on the supplier ID included in the extracted invoice information. , refer to the supplier information database to identify the supplier's company name and payment plan In the input field for the payee company name (invoice issuing company) on the page, enter the specified company name in advance. In addition, the payment screen display unit 22c displays the invoice number included in the extracted invoice information. Enter the number, invoice amount, deadline (transfer date), and transfer account information in the payment screen. This allows the buyer to input the invoice information in the payment screen. This reduces the burden on buyers to enter information and prevents input errors. will be done.

[0049] The payment screen display unit 22c displays the invoice amount extracted from the specified invoice data. The credit card billing amount will be calculated by adding the fee (for example, 3% of the billing amount) to the billing amount. It may also be displayed on the payment screen (see Figure 8).

[0050] The payment execution request receiving unit 22d receives the payment execution request from the buyer's terminal 4 that has displayed the payment screen. A request to make a payment by credit card (hereafter, a payment request) For example, a buyer receives invoice information and After confirming and entering your credit card information, click the "Pay" button displayed on the confirmation screen. When you operate (tap or click) the payment service provider system from the buyer's terminal 4 A payment execution request is sent to 2, and the payment execution request is The receiving portion 22d may be configured to receive the signal.

[0051] When the payment execution request receiving unit 22d receives the payment execution request, An authorization process is executed between the merchant system 2 and the acquirer system 6. Then, When the authorization process is completed successfully, the payment processing company system 2 sends a request to the buyer's terminal 4. Information is sent and output to notify that the credit card payment has been completed (Figure 9). (see reference) and a card is sent from the payment processing company system 2 to the invoice issuing processing company system 3. The settlement result is delivered.

[0052] The payment completion notifying unit 22e notifies the payment screen based on the specific information included in the payment screen request. After the bill data is specified by the face display unit 22c, the specified bill data is Check the credit card payment history by referring to the billing data database 23a If the payment has already been made, the payment completion notifying unit 22e notifies the Send information notifying the buyer of something (for example, an alert) to the buyer's terminal 4 and have it output. This will allow you to check if the invoice data you are trying to pay with your credit card has already been paid. If the item has already been paid, the buyer will be notified that the payment has been made, and the credit card will be used. This prevents duplicate payments from occurring.

[0053] The supplier's My Page display section 22f displays the supplier's My Page from the supplier's terminal 5. Receive a request for a My Page for the user (hereinafter referred to as the first request). The supplier ID and one or more and search criteria for identifying invoice data. The supplier operates the terminal 5 to log in to the website of the payment processing company system 2. When the supplier logs in, the supplier's terminal 5 will display the supplier's My Page ( The start page is displayed. The supplier can then enter search criteria in the start page. Enter search criteria in the input field (in the example shown, the transfer date and / or buyer company name, If you enter a search term, the search results that include the entered search term and supplier ID will be displayed. A first request is sent from the supplier's terminal 5 to the payment processing system 2, The first request is received by the supplier-oriented My Page display unit 22f. It may be possible.

[0054] The supplier's personal page display unit 22f displays the first request from the supplier's terminal 5. When the supplier receives the request, the supplier page (search results) is displayed in response to the first request. The result summary page is sent to the supplier's terminal 5 and displayed. The supplier-oriented MyPage display unit 22f displays the supplier ID included in the first request. Based on this, the invoice data database 23a is referenced to identify the supplier's invoice data. and, the invoice data of the identified supplier is included in the first request. A list of invoice data that meets the criteria is displayed on the search result summary page (see Figure 11). This allows you to easily track your supplier even when there are many invoices being issued. The user can easily search for and check the invoice data he or she wishes to view.

[0055] In addition, the supplier-oriented My Page display unit 22f displays a search result summary page. From the supplier's terminal 5, enter the invoice data displayed on the search result summary page. For example, a supplier may select an invoice from a list of invoices. The supplier operates the terminal 5 and selects (tap or click) one invoice data. ) Then, the information for selecting the invoice data is sent from the supplier's terminal 5 to the payment agent. The information for selecting the invoice data is sent to the business operator's system 2 and sent to the supplier. The mypage display unit 22f may receive it.

[0056] The supplier's My Page display unit 22f displays an invoice data from the supplier's terminal 5. When the information for selecting the invoice data is received, the transfer status of the selected invoice data is The supplier will then refer to the document data database 23a to confirm the details. The display unit 22f transmits the confirmed transfer status to the supplier's terminal 5, Display it on My Page (search result details page) (see Figure 12). The user can easily check the status of the payment for his / her own invoice data. If the invoice data has already been paid, the supplier's My Page display area 22 f refers to Figure 12, and on the search result details page, the download of the data for reconciliation described later is displayed. A button may be displayed.

[0057] The data transmission unit 22g for reconciliation transmits the data to the supplier who has displayed the supplier's personal page. Receive a request for reconciliation data for the transferred invoice data from terminal 5. For example, a supplier may operate the supplier's terminal 5 to display a search result summary page. Click or tap the download button for the reconciliation data displayed on the page. When the payment is processed, a request for data for reconciliation is sent from the supplier's terminal 5 to the payment processing company system. 2, and the request for the clearing data is received by the clearing data transmission unit 22g. The data for reconciliation is the data for payment on the supplier's accounting system. This data can be used when performing reconciliation processing.

[0058] The reconciliation data transmission unit 22g receives a request for reconciliation data from the supplier's terminal 5. Upon receiving the request, the system responds by sending the reconciliation data for the transferred invoice data. The supplier sends the downloaded data to the supplier's terminal 5. By using this data, the workload of reconciling payments on the supplier's accounting system can be reduced. do.

[0059] The buyer's personal page display section 22h displays the buyer's personal page from the buyer's terminal 4. The second request is received from the buyer. Identification information (Buyer ID) to identify the buyer and one or more invoice data For example, the buyer may operate the buyer terminal 4 to When the buyer logs in to the website of the payment service provider system 2, Refer to Figure 13 and the My Page (start page) for buyers will be displayed. The buyer enters search criteria (in the example shown, Enter the date and / or buyer company name, whether to display only paid items, and A second request including the search criteria and the buyer ID is sent from the buyer's terminal 4. The second request is sent to the agent system 2, and the second request is displayed on the buyer's personal page. The portion 22h may be adapted to receive the same.

[0060] The buyer's personal page display unit 22h receives the second request from the buyer's terminal 4. When the buyer receives the request, the buyer's personal page (search result summary page) is displayed in response to the second request. The buyer's My Page display is sent to the buyer's terminal 4 and displayed. The display unit 22h displays the invoice data based on the buyer ID included in the second request. Identify the buyer's invoice data by referencing database 23a, and A list of invoice data that meets the search criteria included in the second request. This will be displayed on the search result summary page (see Figure 14). Even if multiple invoices have been issued, the buyer can select the invoice data they wish to view. can be easily searched and confirmed.

[0061] (Example of operation) Next, an example of the operation of the payment processing system 2 will be described with reference to FIG. 3 and FIG. 4. 3 and 4 are diagrams for explaining an example of the operation of the payment service provider system 2. It is.

[0062] As shown in FIG. 3, first, the invoice data acquisition unit 22a acquires the invoice issuing agent system The system periodically accesses the invoice data database 2 to acquire multiple invoice data. 3a (step S10).

[0063] Next, the preliminary examination unit 22a2 performs the following from the billing data acquired by the billing data acquisition unit 22a: Extract the invoice information (see Figure 5) and identify the supplier identified by the extracted invoice information. and / or pre-screening of buyers (e.g., legal entity status and criminal history) The results of the pre-screening are posted in the supplier information database 33c and / or is stored in the buyer information database 33b (step S101).

[0064] Next, the buyer operates the buyer terminal 4 to credit the payment to the supplier. When paying by card, the buyer's terminal 4 uploads a payment screen to the payment agent system 2. The request is sent, and the payment screen request receiving unit 22b receives the payment screen request from the buyer's terminal 4. A screen request is received (step S11). The payment screen request includes bill data. The payment screen request includes the following information in addition to the identification information: , may include a supplier ID and / or a buyer ID.

[0065] When the payment screen request receiving unit 22b receives the payment screen request, the payment screen display unit 22c uses the invoice data database to generate payment screen requests based on specific information included in the request. The corresponding billing data is identified by referring to the step 23a, and the billing data is calculated based on the identified billing data. The invoice information (see Figure 5) is extracted, and the supplier and The results of the preliminary screening by the preliminary screening unit 22a2 are then confirmed for the buyers and the buyers. In the preliminary examination by the Examination Division 22a2, either or both of the supplier and the buyer If it is found in advance that there is a problem with the payment, the payment screen display unit 22c does not proceed with the procedure. An error screen indicating that the order cannot be processed is transmitted to the buyer's terminal 4 and displayed thereon. On the other hand, in the pre-screening by the Pre-screening Division 22a2, If it is already known that there is no problem, the settlement screen display unit 22c - Refer to the information database 23b, and use the payment processing business system 2 for the first time It is judged whether the user is a buyer (step S12). Step S12: YES), the payment screen display unit 22c refers to FIG. 6 and displays the company information registration screen. The buyer's company information is then sent to the buyer's terminal 4 and displayed (step S13). The information is acquired in advance as linked data from the bill issuing agent system 3. If the information is stored in the yard information database 23b, the payment screen display unit 22c Based on the buyer ID included in the screen request, the buyer information database 23b is Refer to the company information of the corresponding buyer and extract the company information of the extracted company. The information may be displayed in advance in each input field on the screen.

[0066] The buyer checks and inputs company information, manager information, and account information on the buyer's terminal 4. After that, tap or click the "Register" button that appears on the confirmation screen. Then, the settlement screen display unit 22c records the information input by the buyer in the buyer information database. The data is stored in base 23b.

[0067] Next, the payment screen display unit 22c performs the following based on the specific information included in the payment screen request: , referring to the invoice data database 23a, identifying the corresponding invoice data, and making a payment. The payment completion notifying unit 22e notifies the payment completion by the credit card for the specified bill data. The history is checked by referring to the bill data database 23a (step S14). If the payment has been made (step S14: YES), the payment completion notifying unit 22e , and sends information (e.g., an alert) to the buyer's terminal 4 informing him or her that payment has been made. This allows the user to make a payment by credit card. If the invoice data you are receiving has already been paid, the buyer will be informed that it has been paid. This will prevent duplicate credit card payments from occurring.

[0068] On the other hand, if the payment has not been made (step S14: NO), the payment screen display unit 22 c transmits the settlement screen to the buyer's terminal 4 and displays it (step S16). The payment screen display unit 22c extracts the invoice information (see FIG. 5) from the specified invoice data. The extracted invoice information is displayed on the payment screen in advance (see Figure 7). In this way, the payment screen display unit 22c displays the extracted invoice information on each entry in the payment screen. The input field may be displayed in advance, or may be displayed around the input field for reference. This allows the buyer to input invoice information into the payment screen. This reduces the input load on the user and prevents input errors.

[0069] In step S16, the payment screen display unit 22c extracts from the specified bill data The invoice amount will be credited to the invoice amount plus a designated fee (for example, 3% of the invoice amount). The amount may be displayed on the payment screen as the amount charged to the buyer's credit card (see Figure 8). If the credit card information is already stored in the buyer information database 23b The payment screen display unit 22c, based on the buyer ID included in the payment screen request, The buyer information database 23b is referenced to receive the corresponding buyer's credit card information. The extracted credit card information is pre-populated in the input field on the payment screen. This may be allowed.

[0070] The buyer then inputs billing information and credit card information on the buyer's terminal 4. After confirming and entering the information, tap or click the "Pay" button displayed on the confirmation screen. When the buyer clicks the payment button, a payment execution request is sent from the buyer's terminal 4 to the payment agent system 2. The payment execution request receiving unit 22d receives the payment execution request from the buyer who has displayed the payment screen. A payment execution request is received from the terminal 4 (step S17).

[0071] When the payment execution request receiving unit 22d receives the payment execution request, Authorization processing is performed between the payment agent system 2 and the acquirer system 6 (S Step S18) When the authorization process is completed successfully, the payment processing company system 2 issues a The information notifying the user that the credit card payment has been completed is sent to the user's terminal 4. The payment agent system 2 outputs the billing information to the invoice issuing agent (see FIG. 9). The card payment result is passed to system 3. After that, the payment processing company system 2 and the access Sales processing is performed between the Whyalla system 6 and the settlement agent system 2 and The invoice amount is transferred to the supplier's account via the financial institution system. (Step S19).

[0072] Next, referring to FIG. 4, the supplier operates the supplier's terminal 5 to carry out the payment agency business. Log in to the supplier system 2 website and select Supplier My Page as shown in Figure 10. Enter the search criteria in the search criteria input field on the page (start page) (in the example shown, the transfer date) and / or buyer company name, whether to show only paid A first request including the search criteria and the supplier ID is sent from the supplier's terminal 5. The payment is sent to the payment agent system 2, and the supplier's My Page display unit 22f displays the The first request is received from the player's terminal 5 (step S20).

[0073] Next, the supplier's My Page display unit 22f receives the information from the supplier's terminal 5. In response to the first request, the supplier's personal page (search result summary page) The page is sent to the supplier's terminal 5 and displayed (step S21). The My Page display section 22f for the buyer displays the supplier I included in the first request. Based on D, refer to the invoice data database 23a to obtain supplier invoice data and identifying the invoice data of the identified supplier that is included in the first request. A list of invoice data that meets the search criteria is displayed on the search result summary page (see Figure 1). 11), which allows you to easily manage your invoices even if you have a large number of invoices from your suppliers. However, suppliers can easily search and view the invoice data they wish to see.

[0074] In step S21, the supplier operates the supplier's terminal 5 to display the search results. Select one invoice data from the list of invoice data displayed on the result summary page. When you select (tap or click), the supplier's My Page display area 22f will display the selected The transfer status of the received bill data is checked by referring to the bill data database 23a. Confirm and display the confirmed transfer status on the supplier's My Page (search result details page) (See Figure 12) This allows suppliers to exercise discretion over their invoice data. You can easily check the congestion status.

[0075] Next, the supplier operates the supplier's terminal 5 to display the search result summary page. Click or tap the download button for the reconciliation data displayed in the A request for data for reconciliation is sent from the supplier's terminal 5 to the payment processing company system 2. The reconciliation data transmission unit 22g transmits the request for the reconciliation data to the supplier. The request is received from the terminal 5 (step S22).

[0076] Then, the reconciliation data transmission unit 22g receives the reconciliation data from the supplier's terminal 5. In response to the request, the supplier will send the reconciliation data for the invoice data that has already been transferred. The supplier transmits the downloaded settlement data to the terminal 5 (step S23). By using this data, the workload of reconciling payments on the supplier's accounting system can be reduced. do.

[0077] Next, the buyer operates the buyer's terminal 4 to access the website of the payment processing company system 2. Log in to the website and click on the Buyer My Page (start page) as shown in Figure 13. In the search criteria input field, enter the search criteria (in the example shown, the transfer date and / or supplier Enter the company name, whether to display only those that have been paid, and the search criteria and buyer ID will be displayed. A second request including D is sent from the buyer's terminal 4 to the payment processing system 2. The buyer's My Page display unit 22h receives the second request from the buyer's terminal 4. The order is received (step S24).

[0078] Next, the buyer's My Page display unit 22h displays the first page received from the buyer's terminal 4. In response to the request in 2, the buyer's My Page (search result summary page) is displayed. The buyer's terminal 4 is then sent to the buyer's terminal 4 and displayed thereon (step S25). The page display unit 22h displays the invoice data based on the buyer ID included in the second request. The invoice data of the identified buyer is identified by referring to the data database 23a. of invoice data that satisfies the search criteria included in the second request The list will be displayed on the search result summary page (see Figure 14). This will allow buyers to Even if there are many invoices issued for a product, the buyer can select the invoices they wish to review. Data can be easily searched and reviewed.

[0079] According to the embodiment described above, the payment agent system 2 is a bill issuing agent. The billing data is obtained in advance from the third party system (the system that holds the billing data). In this case, the buyer pays the invoice by credit card (cashless payment method). In this case, the payment processing system 2 extracts the invoice data from the invoice data that has been obtained in advance. In order to display the invoice information to be used on the payment screen in advance, This reduces the force load and prevents input errors.

[0080] In addition, according to this embodiment, payment by credit card (cashless payment method) If the invoice data you are trying to transfer has already been paid, System 2 uses the credit card (cash on delivery) to notify the buyer that payment has been made. This can prevent duplicate payments using the credit card payment method.

[0081] According to this embodiment, the payment agent system 2 receives payment from the supplier's terminal. When a request containing search criteria is received, the supplier invoice data is In order to display a list of invoice data that meets the requirements on the supplier's personal page, Even if a large number of invoices are issued by a buyer, the supplier must You can easily search and check invoice data.

[0082] According to this embodiment, the payment service provider system 2 displays the My Page. When a request for data for reconciliation is received from the supplier's terminal, In response, the reconciliation data for the transferred invoice data is sent to the supplier's terminal. This reduces the workload of suppliers in reconciling payments.

[0083] The above description of the embodiment and the disclosure of the drawings are not intended to limit the scope of the present invention. The above description of the embodiment and the disclosure of the drawings are merely examples for explaining the invention. The invention is not limited to the scope of the claims. The elements can be combined in any manner without departing from the spirit and scope of the invention.

[0084] In addition, the payment service provider system 2 according to the above-mentioned embodiment includes one or more computers. The payment processor system may be configured by one or more computers. The program for realizing the program 2 and the program on a non-transitory basis The recorded computer-readable recording medium is also covered by this patent. [Explanation of symbols]

[0085] 1. Information Processing Systems 2 Payment processing company system (information processing device) 21 Communications Department 22 Control section 22a Invoice Data Acquisition Section 22a2 Preliminary Examination Department 22b Payment screen request receiving section 22c Payment screen display section 22d Payment execution request receiving section 22e Paid Notice Section 22F Supplier My Page Display Area 22g Data transmission unit for reconciliation 22h My Page display section for buyers 23 Memory section 23a Invoice data database 23b Buyer information database 23c Supplier Information Database 3. Invoice issuing agency system 4. Buyer's terminal 5. Supplier's terminal 6 Acquirer System 7 Issuer System

Claims

1. 1. A computer-implemented information processing method, comprising: acquiring invoice data from a system that holds the invoice data; A payment screen for paying invoices using cashless payment methods from the buyer's terminal receiving a request for billing information, the request specifying billing data; and In response to the request, the payment screen is displayed on the buyer's terminal. and identifying bill data based on the identification information, and displaying the extracted invoice information on the payment screen in advance; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. receiving a request to execute the An information processing method comprising:

2. After identifying the billing data based on the identification information, Check the payment history of all cashless payment methods, and if payment has already been made, and outputting information to the buyer's terminal notifying that the payment has been made. The information processing method according to claim 1 .

3. After acquiring the invoice data from the system that holds the invoice data, Before receiving the request for the payment screen from the terminal, Pre-qualify suppliers and / or buyers identified by the invoice information provided The information processing method according to claim 1 , further comprising the step of:

4. The invoice information may include at least one of an invoice number, an invoice amount, a transfer date, and a transfer account number.

4. The information processing method according to claim 1, further comprising at least one of:

5. The step of displaying the payment screen includes displaying an invoice extracted from the specified invoice data. The amount obtained by adding a predetermined fee to the amount is registered as the amount to be charged for the cashless payment method on the payment screen.

4. The information processing method according to claim 1, further comprising the step of displaying the information on a screen.

6. Steps to receive a request for a supplier's personal page from the supplier's device The request includes identification information for identifying a supplier and one or more and a search condition for identifying a number of invoice data. In response to the request, a process for displaying the My Page on the terminal of the supplier. identifying a supplier based on the identification information, A list of bill data that meets the search conditions is stored in the My Page. displaying the message on the screen; The information processing method according to any one of claims 1 to 3, further comprising:

7. The list of invoice data is displayed on the terminal of the supplier who displayed the My Page. receiving information selecting one of the invoice data; A step to check the transfer status of the selected invoice data and display it on the My Page. Top and The information processing method according to claim 6 , further comprising:

8. The supplier's terminal that displayed the My Page can then send the invoice data for which payment has already been made. receiving a request for reconciliation data via the A process for transmitting the reconciliation data to the supplier terminal in response to the request. Tep and The information processing method according to claim 6 , further comprising:

9. This is the step where a request for a buyer's personal page is received from the buyer's terminal. The request may include an identification for identifying a buyer and one or more invoice data. and a search criterion for identifying the data. In response to the request, the step of displaying the My Page on the buyer's terminal. a buyer is identified based on the identification information, and an invoice data of the identified buyer is and displaying a list of invoice data that meets the search conditions on the My Page. and The information processing method according to any one of claims 1 to 3, further comprising:

10. An invoice data acquisition unit that acquires invoice data from a system that holds the invoice data; 、 A payment screen for paying invoices using cashless payment methods from the buyer's terminal a payment screen request receiving unit for receiving a request for a payment screen, A payment screen request receiving unit including specific information for identifying data; In response to the request, the payment screen is displayed on the buyer's terminal. A display unit identifies bill data based on the identification information, and displays the identified bill data. a payment screen display unit for displaying in advance on the payment screen the invoice information extracted from the payment data; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. a payment execution request receiver for receiving a request to execute a payment execution request; An information processing device comprising:

11. acquiring invoice data from a system that holds the invoice data; A payment screen for paying invoices using cashless payment methods from the buyer's terminal receiving a request for billing information, the request specifying billing data; and In response to the request, the payment screen is displayed on the buyer's terminal. and identifying bill data based on the identification information, and displaying the extracted invoice information on the payment screen in advance; Payment is made using a cashless payment method from the buyer's terminal that displayed the payment screen. receiving a request to execute the An information processing program that causes a computer to execute the above.

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