Information processing method, information processing apparatus, and information processing program

Abstract

To provide an information processing method, an information processor and an information processing program for reducing the input load of bill information and preventing input errors.SOLUTION: The information processing method includes a step S10 of acquiring bill data from a system holding the bill data, a step S11 of receiving a request for a settlement screen for performing payment of the bill by cashless settlement means from a terminal of a buyer, the request including specific information for specifying the bill data, a step S12 of displaying a settlement screen on the terminal of the buyer in response to the request, and a step S17 of receiving a request for the settlement screen for executing the payment by the cashless settlement means from the buyer's terminal displaying 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] In the past, in B2B (business-to-business) payments, card payments from the buyer were received by the seller. If the acquiring company (supplier) wishes to receive the card, the supplier must In recent years, however, there has been a trend of By placing a B2B payment agent at a pseudo-affiliated store, the B2B payment agent can process the card payment. A system has emerged that handles the receipt of payments and the payment to suppliers, facilitating cross-company payments. It has become easier to do this with a credit card. The inter-company payment agent here is Visa. The service provided by the company is Business Payment Service Pro It is sometimes called Vider (BPSP) and is a service provided by Mastercard. We are currently accepting applications for the Business Payment Aggregator Program ( It is sometimes called BPAP.

[0003] However, if a buyer uses a B2B payment processor to credit the payment to the supplier, If you wish to pay by credit card, the buyer must use the payment screen provided by the B2B payment service provider. In addition, the invoice information (invoice number, invoice amount, You will need to enter the details of the payment, such as the transfer date and bank account information. , without knowing whether the invoice information entered by the buyer is correct, Based on the billing information, credit card authorization and sales processing and supply Therefore, it was a hassle for buyers to enter invoice information. This put a strain on the system and also increased the possibility of input errors.

[0004] Patent Document 1 describes a program used in a payment collection system for collecting payments from payers. registering payer account information with a processor; a step of issuing an invoice linked to the account; and issuing the invoice 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] Japanese 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 using cashless payment methods To provide a technology that can prevent input errors while enabling input of a desired value. [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 a step of displaying the extracted invoice information on the payment screen in advance; Payment by cashless payment method from the buyer's terminal that displayed the payment screen receiving a request to perform the Includes.

[0008] According to this aspect, the billing data is transferred in advance 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 this 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 payment has been made. include.

[0010] According to this aspect, 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 double 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 supplier can use the invoice data obtained in advance. and / or buyer screening (e.g., legal entity verification, criminal record checks, etc.) This allows for the prevention of 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 an information processing method according to any one of the first to third aspects. 1. A method comprising: The invoice information may include at least one of the invoice number, the invoice amount, the transfer date, and the transfer account information. Contains at least one

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

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

[0016] According to this embodiment, even if a large number of invoices are issued by a supplier, Even if the supplier is not able to confirm the invoice data, the supplier can easily search and check the invoice data they want to confirm. .

[0017] An information processing method according to a seventh aspect of the present invention is the information processing method according to the sixth aspect, The supplier's terminal that displayed the My Page will display the list of invoice data. 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 payment status of his / her own invoice data. It can be easily confirmed.

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

[0020] According to this embodiment, the workload of reconciling 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 identification information to identify the buyer and one or more invoice data. and a search condition 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 stored; and displaying a list of bill data that meets the search conditions on the personal page. and Further includes:

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

[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 that receives a request for a payment screen, a payment screen request receiving unit including identification 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 that displays in advance on the payment screen the invoice information extracted from the payment data; Payment by cashless payment method from the buyer's terminal that displayed the payment screen a payment execution request receiver for receiving a request to execute the payment; 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 a step of displaying the extracted invoice information on the payment screen in advance; Payment by cashless payment method from the buyer's terminal that displayed the payment screen receiving a request to perform the to be executed by the computer. [Effects 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 explanation of the drawings]

[0026] [Figure 1] FIG. 1 is a diagram showing the overall configuration of an information processing system according to an embodiment. [Figure 2] FIG. 2 is a diagram showing a schematic configuration of a payment agent system. [Figure 3] FIG. 3 is a diagram illustrating an example of the operation of the payment agent system. [Figure 4] FIG. 4 is a diagram illustrating an example of the operation of the payment agent system. [Figure 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 the supplier's terminal. [Figure 11] FIG. 11 is a diagram showing an example of a My Page displayed on the supplier's terminal. [Figure 12] FIG. 12 is a diagram showing an example of My Page displayed on the supplier's terminal. [Figure 13] FIG. 13 is a diagram showing an example of a My Page displayed on the buyer's terminal. [Figure 14] FIG. 14 is a diagram showing an example of a My Page displayed on the buyer's terminal. DETAILED DESCRIPTION OF THE INVENTION

[0027] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the description and 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, we will use credit cards as an example of a "cashless payment method." Examples include, but are not limited to, BNPL (Buy Now Pay It can be a deferred payment method such as a later payment method, or a prepaid card. It may be a fast payment method or an instant payment method such as a debit card.

[0029] In the following explanation, the seller company (the Invoice issuing agency that acts as an intermediary between the buyer and the purchaser This example will use a vendor (also known as an invoice issuing vendor) system, but is not limited to this. Instead, for example, Peppol certified businesses (also known as Peppol service providers) It may be the system of the supplier or the system of the supplier.

[0030] (Device configuration) FIG. 1 is a diagram showing the overall configuration of an information processing system 1 according to an embodiment. As shown in the figure, the information processing system 1 is 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 system has a terminal 5, an acquirer system 6, and an issuer system 7. The system and terminals 2 to 7 are connected to each other via a network such as the Internet so that they can communicate with each other. The network can be either wired or wireless, and the type and form of the line can be At least a part of each system and terminals 2 to 7 is computer-based. This is realized.

[0031] The following explains the general flow of data 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 and stored in the invoice issuing agent system 3. When receiving and viewing an invoice from an invoice issuing vendor, the invoice issuing agent system Invoice data is sent from the payment processor 3 to the buyer's terminal 4 and displayed. Invoice data is transferred from the invoice issuing agent system 3 to the payment agent system 2. and stored.

[0032] Buyers use payment processors to make payments to suppliers by credit card (cash If you are going 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 entering the information, when you perform the operation to execute the payment, a request to execute the payment will be The buyer's terminal 4 sends the payment information to the payment processing company system 2, and the payment processing company system The authorization process is carried out between the system 2 and the acquirer system 6. The credit card payment has been completed from the bank operator's system 2 to the buyer's terminal 4. The payment agent system 2 notifies the invoice issuing agent system 3. The card payment result will be handed over 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 card settlement amounts will be made between the two parties.

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

[0035] As shown in FIG. 2, the payment service provider system 2 includes a communication unit 21, a control unit 22, and a memory. 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 communication unit between the payment processing business system 2 and an external network. The communication unit 21 is an interface. and transmits and receives information between the payment processing business 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 the billing information included in the billing data. 5 is a table showing an example of invoice information included in the invoice data. It includes basic invoice information, supplier (transfer) account information, and buyer transfer information. Among these, the invoice basic information includes an invoice ID for uniquely identifying the invoice data. (Specific information), invoice number, invoice amount, transfer date, supplier ID, The transfer account information may also include a financial institution code and a branch code. The information includes the bank name, 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 credit amount of the buyer for each invoice data. Payment history of invoice amounts by credit card and / or to supplier (transfer) account The transfer history of the invoice amount may be linked and stored.

[0040] The buyer information database 23b stores company information of multiple buyers, which can be used to uniquely identify buyers. For example, the buyer's company ID is stored in association with the buyer ID. Business information includes the company name, company name in kana, business type (corporation / sole proprietor), and corporate number. The information may include the business type, postal code, prefecture, and address (including city, ward, town, or village). The buyer's company information is transferred from the payment processing company system 2 to the invoice issuing processing company system 3. By acquiring linked data from the buyers in advance, the data is recorded in the buyer information database 23b. The buyer may store the payment information in the payment processing system 2, or the buyer may store the payment information in the payment processing system 2 when the buyer uses the payment processing 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 account information for multiple suppliers. The information is stored in association with a supplier ID that uniquely identifies the supplier. For example, the supplier's company information includes the company name, the company name in kana, and the business type. (Corporation / sole proprietor), 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 code. It may include the name of the financial institution, the branch name, the account type, the account number, and the account holder name. Buyer's company information and account information will be transferred to the payment processing company system 2, which will handle the invoice issuing service. By acquiring 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 business system 2. When using the service for the first time, suppliers themselves 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. The storage unit 23 may be partly or entirely configured to perform payment processing via an external network. In another device (for example, cloud storage) that is communicably connected to the provider 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's personal page display section 22 f, a clearing data sending unit 22g, and a buyer's personal page display unit 22h. These units 22a to 22h are configured by a processor in the payment processing agency system 2. This may be achieved by executing a program or may be implemented in hardware. .

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

[0045] The preliminary examination unit 22a2 extracts bill information from the bill data acquired by the bill data acquisition unit 22a. The supplier and / or supplier-specific 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 preliminary examination section 22a2 performs the W Using eb-API, identified suppliers and / or buyers as legal entities For example, referring to FIG. 1, the pre-screening unit 22 a2 is an external legal entity verification system8 (for example, Nikkei Risk & Compliance provided by Nikkei Inc.). compliance) to contact identified suppliers and / or buyers. It is also acceptable to check whether the person is a member of an anti-social force (anti-social force) or whether there have been any criminal cases. Using the invoice data obtained in advance, the pre-screening section 22a2 and / or pre-screening buyers (before the transaction begins) to prevent money laundering. This will prevent the occurrence of transactions with anti-social groups and the like. and / or the results of the buyer's pre-screening 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 payment of the invoice from the buyer's terminal 4 by credit card. A payment screen request for making a payment with a credit card (hereinafter referred to as a payment screen request) For example, the buyer displays the invoice data on the buyer's terminal 4 and views it. Then, 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 photo of the card with the camera of the terminal 4, the buyer's terminal 4 sends the photo to the payment agent system 2. A payment screen request is sent, and the payment screen request is sent to a payment screen request receiving unit 2. The payment screen request may be received by 2b. The payment screen request includes the specific information to identify the payment recipient. It may further include a supplier ID for uniquely identifying the buyer. The purchase information may further include a buyer ID for uniquely identifying the purchaser.

[0047] The payment screen display unit 22c receives the payment screen request from the payment screen request receiving unit 22b. In response to the request, 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 payment screen according to 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 bill information (see FIG. 5) from the specified bill data. and then extracts the invoice information and provides the supplier and buyer details identified by the extracted invoice information. The result of the preliminary examination by the preliminary examination unit 22a2 is then confirmed.

[0048] In the preliminary examination by the Preliminary Examination Division 22a2, either the supplier or the buyer If it is known in advance that there is a problem with both the payment and the transaction, the payment screen display unit 22c Instead of the error 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 section 22a2, If it is clear in advance that there are no problems with either the buyer or the buyer, the settlement The screen display unit 22c extracts the bill information (see FIG. 5) from the specified bill data and displays the extracted bill information. The issued 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 Enter the specified company name in advance in the input field for the payee company name (invoice issuer) on the page. 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 respective input fields on the payment screen. This allows buyers to input invoice information into the payment screen. This reduces the burden on buyers when entering data and prevents input errors. will be done.

[0049] The payment screen display unit 22c displays the bill amount extracted from the specified bill data in a predetermined format. The amount charged to your credit card will be the amount added with a handling fee (for example, 3% of the billed 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 terminal 4 that has displayed the payment screen. A request to make a payment by credit card (hereinafter referred to as 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 processing company 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 receive the same.

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

[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 been made, the payment notification unit 22e notifies the user that the payment has been made. Send and output information (for example, an alert) to the buyer's terminal 4 This will allow you to see if the invoice data you are trying to pay with your credit card has already been paid. If the payment has already been made, the buyer will be notified that the payment has been made, and the credit card will be used. This prevents duplicate payments.

[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 is used to identify the supplier, and one or more The search criteria may include a search condition for identifying invoice data. For example, operates the supplier's 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 will be displayed. Then, the supplier can enter the 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 the search criteria and supplier ID, the search results that include the entered search criteria 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 my page display unit 22f. It may be possible.

[0054] The supplier's personal page display unit 22f receives the first request from the supplier's terminal 5. When the search result is received, the first request is responded to by the supplier's personal page ( The supplier sends the result summary page to the supplier's terminal 5 and displays it. The supplier's my page display unit 22f displays the supplier's my page based on 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 manage your supplier even when there are many invoices issued by the supplier. The user can easily search for and check the bill data they want to check.

[0055] In addition, the supplier's My Page display section 22f displays the search result summary page. From the supplier's terminal 5, the invoice data displayed on the search result summary page For example, a supplier may select one 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 system 2 and sent to the supplier. The My Page display unit 22f may receive the information.

[0056] The supplier's My Page display section 22f displays an invoice data from the supplier's terminal 5. When you receive the information to select the invoice data, the transfer status of the selected invoice data will be displayed on the invoice. The supplier can then access the document data database 23a and check the details. The display unit 22f transmits the confirmed transfer status to the supplier's terminal 5, It will be displayed on my page (search result details page) (see Figure 12). Users can easily check the status of their own invoice data transfers. If the invoice data has already been transferred, the supplier's My Page display area 22 f refers to Figure 12, and on the search result details page, you can see the download of the data for reconciliation described later. A button may be displayed.

[0057] The reconciliation data transmission unit 22g 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 sending unit 22g. The data for reconciliation is the data that is used to record the payment in 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 to the request 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 is used to display 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 and search conditions for the When the buyer logs in to the website of the payment processing company system 2, Refer to Figure 13 and the buyer's My Page (start page) will be displayed. The buyer enters the search criteria in the search criteria input field on the start page (in the example shown, Enter the date and / or buyer company name, whether to display only transferred payments, 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 unit 22h may be adapted to receive the signal.

[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 is sent to the buyer's terminal 4 and displayed. The display unit 22h retrieves 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 there are many invoices issued, the buyer can select the invoice data they want to view. can be easily searched and confirmed.

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

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

[0063] Next, the preliminary examination unit 22a2 determines whether or not the billing data acquired by the billing data acquisition unit 22a is Extract invoice information (see Figure 5) and identify the supplier identified by the extracted invoice information. and / or pre-screening buyers (e.g., verifying their legal existence or criminal history). The results of the pre-screening are posted to 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 sends a payment screen to the payment agent system 2. The request is sent, and the payment screen request receiving unit 22b receives the payment from the buyer's terminal 4. A screen request is received (step S11). The payment screen request includes bill data. The payment screen request contains specific information to uniquely identify the transaction. , 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 is a system that generates billing data based on specific information included in the payment screen request. 23a, and identifies the corresponding billing data, and calculates the billing amount from the identified billing data. The invoice information (see Figure 5) is extracted and the supplier and The preliminary examination results of the preliminary examination section 22a2 are confirmed for the buyers and the buyers. In the preliminary examination by the Examination Division 22a2, either the supplier or the buyer or both If it is known in advance that there is a problem with the payment, the payment screen display unit 22c will not proceed with the procedure. An error screen indicating that the transaction cannot be completed is sent to the buyer's terminal 4 and displayed thereon. On the other hand, in the preliminary examination by the Preliminary Examination 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 it is the first time to use the payment processing business system 2 It is determined 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 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 customer 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 extracted company information. The information may be displayed in advance in each input field on the screen.

[0066] The buyer checks and inputs company information, administrator 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 stores the information input by the buyer in the buyer information database. The data is stored in the storage 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 notification unit 22e notifies the payment completion by 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 notification unit 22e , and sends information (e.g., an alert) to the buyer's terminal 4 informing them that payment has been made. This allows the user to make a payment by credit card. If the invoice data has already been paid, the buyer will be informed that it has been paid. This will notify the user, preventing duplicate credit card payments.

[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 then displayed in advance on the payment screen (see Figure 7). In this way, the payment screen display unit 22c displays the extracted bill information in the respective inputs on the payment screen. It may be displayed in advance in the input field, or 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 amount of the invoice received will be credited to the customer, plus a specified 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 displays the following information based on the buyer ID included in the payment screen request: The buyer information database 23b is referenced to obtain the corresponding buyer's credit card information. The extracted credit card information is pre-populated in the input field on the payment screen. It may be possible.

[0070] The buyer then enters billing information and credit card information on the buyer's terminal 4. After confirming and entering the information, click (tap or click) the "Pay" button displayed on the confirmation screen. When the buyer requests payment, a payment execution request is sent from the buyer's terminal 4 to the payment processing company 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 (step Step S18) When the authorization process is completed successfully, the payment processing company system 2 sends the Information is sent to the user's terminal 4 to notify that the credit card payment has been completed. The payment agent system 2 outputs the bill to the invoice issuing agent (see FIG. 9). The card payment result is passed to system 3. After that, the payment agent system 2 and the access Sales processing is carried out 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 Log in to the supplier system 2 website and access the supplier My Suppliers 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 display only transferred payments), 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 results summary page) The supplier's terminal 5 is then sent to display the page (step S21). The supplier's page display section 22f displays the supplier ID 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) This allows you to easily manage your supplier's invoices even when you have a large number of invoices. Even if the supplier does not have a specific invoice, they can easily search and check the invoice data they want 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 show the selected The transfer status of the received bill data is checked by referring to the bill data database 23a. Confirm the transfer status and display it on the supplier's My Page (search result details page) (See Figure 12) This allows suppliers to exercise discretion over their own 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 business system 2. The reconciliation data sending unit 22g sends the request for the reconciliation data to the supplier. The information 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 reconciliation data for the transferred invoice data is sent to the supplier. The supplier then sends 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 go to My Page (start page) for buyers as shown in Figure 13. In the search criteria input field, enter the search criteria (in the example shown, transfer date and / or supplier Enter the company name, whether to display only transferred items, 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 company system 2. The buyer's personal page display unit 22h receives the second request from the buyer's terminal 4. The customer receives the order (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 personal page is then sent to the buyer's terminal 4 and displayed (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). Even if there are many invoices issued for a product, the buyer can select the invoice they want to review. Data can be easily searched and reviewed.

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

[0080] Furthermore, according to this embodiment, payment can be made by credit card (cashless payment method). If the invoice data you are trying to transfer has already been paid, System 2 sends a credit card (cash This prevents double payments (payment methods).

[0081] Furthermore, 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 that matches the search criteria is In order to display a list of invoice data that meets the requirements on the supplier's personal page, Even if a customer issues multiple invoices, the supplier must Invoice data can be easily searched and checked.

[0082] Furthermore, according to this embodiment, the payment processing business 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 be limiting unless otherwise specified. 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 of the invention.

[0084] Furthermore, the payment agent system 2 according to the above-described embodiment may be implemented by one or more computers. The payment processor system may be configured by one or more computers. The program to realize Program 2 and the program to be implemented non-transitory The computer-readable recording medium on which the invention is recorded is also covered by this patent. [Explanation of symbols]

[0085] 1. Information Processing Systems 2. Payment processing system (information processing device) 21 Communications Department 22 Control Unit 22a Invoice Data Acquisition Department 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 Reconciliation Data Transmission Unit 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. Seller company (supplier) terminal 6 Acquirer System 7 Issuer System

Claims

1. A computer-implemented information processing method, comprising: acquiring invoice data from a system that holds the invoice data; 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 a step of displaying the settlement screen on the buyer's terminal in response to the request; and specifying bill data based on the specified information, and a step of displaying the extracted invoice information on the payment screen in advance; Payment by cashless payment method from the buyer's terminal that displayed the payment screen receiving a request to perform the An information processing method including:

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 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 the invoice number, the invoice amount, the transfer date, and the transfer account information.

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

5. The step of displaying the payment screen includes: The amount obtained by adding a predetermined fee to the amount is used as the amount to be charged to the cashless payment method.

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

7. The supplier's terminal that displayed the My Page will display the list of invoice data. 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 will then send the invoice data for which payment has been made. receiving a request for reconciliation data via the In response to the request, a step of transmitting the reconciliation data to the supplier's terminal. 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 identification information for identifying the buyer and one or more invoice data. and a search condition 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 stored; and displaying a list of bill data that meets the search conditions on the personal 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; 、 Payment screen for paying invoices using cashless payment methods from the buyer's terminal a payment screen request receiving unit that receives a request for a payment screen, a payment screen request receiving unit including identification 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 that displays in advance on the payment screen the invoice information extracted from the payment data; Payment by cashless payment method from the buyer's terminal that displayed the payment screen a payment execution request receiver for receiving a request to execute the payment; An information processing device comprising:

11. acquiring invoice data from a system that holds the invoice data; 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 a step of displaying the settlement screen on the buyer's terminal in response to the request; and specifying bill data based on the specified information, and a step of displaying the extracted invoice information on the payment screen in advance; Payment by cashless payment method from the buyer's terminal that displayed the payment screen receiving a request to perform the An information processing program that causes a computer to execute the above.

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