Bill collection processing device, payer terminal, bill collection processing method, and computer program

Abstract

To provide a data structure of an electronic money bag, a collection processor, a collection processing method and a computer program.SOLUTION: A data structure of an electronic money bag for use in collection processing which is performed by a computer, and created at each collection processing includes: an identifier for identifying the electronic money bag; collection information including information related to a collection object, a collection amount and a collection date; processing information indicating a processing state of the collection processor; and permission information for regulating a payment permission, a withdrawal permission and a reference permission with respect to the electronic collection bag. The data structure is used by the computer for the collection processing including: processing for notifying information related to the collection amount and the collection date to a notification destination which is correlated to the collection object after the collection information is referred to each time the electronic money bag is generated; processing for updating the processing information when receiving payment processing for satisfying the payment permission, or receiving withdrawal processing satisfying the withdrawal permission; and processing for reading and outputting at least either of the collection information and the processing information according to a reference requirement satisfying the reference permission.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention ,collection The present invention relates to a money processing device, a payer terminal, a money collection method, and a computer program. [Background technology]

[0002] In schools such as elementary and junior high schools, envelope-shaped collection envelopes are commonly used to collect various fees from students' parents, such as for textbooks, school lunches, PTA (Parent-Teacher Association) membership fees, and photographs (see, for example, Patent Document 1).

[0003] For example, if an elementary school teacher collects 500 yen for textbook fees from each child's household, the teacher writes "textbook fees" and "500 yen" in the collection item and amount columns on a collection envelope, and hands it to the child. The child takes the envelope home and hands it to the child's guardian. The child's guardian checks the collection item and amount columns on the envelope, puts the textbook fee of 500 yen into the envelope, and hands it to their child. The child takes the envelope with the textbook fee inside to school and hands it to the teacher. After the teacher checks that the envelope contains the required fee of 500 yen, he or she stamps or signs the receipt column. In this way, the school is able to collect textbook fees from each child's household. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 9-203334 Summary of the Invention [Problem to be solved by the invention]

[0005] However, when collecting various fees using the above-mentioned collection bags, the guardians of the children must prepare small change so that the change is not given, which can be troublesome. In addition, the children must carry cash, which has the problem of being likely to be lost.

[0006] The present invention allows collection of money without using actual money bags. Collection The object of the present invention is to provide a money processing device, a payer terminal, a money collection processing method, and a computer program. [Means for solving the problem]

[0007] A data structure of an electronic collection bag according to one embodiment of the present invention is used in a collection process executed by a computer, and is a data structure of an electronic collection bag generated for each collection process, and includes an identifier that identifies the electronic collection bag, collection information including information on the collection target, the collection amount, and the collection date, processing information indicating the processing status of the collection process, and authority information that specifies the deposit authority, withdrawal authority, and reference authority for the electronic collection bag, and is used in collection processes including a process by the computer to refer to the collection information each time the electronic collection bag is generated, notify information regarding the collection amount and collection date to a notification destination associated with the collection target, a process to update the processing information when a deposit process that satisfies the deposit authority or a withdrawal process that satisfies the withdrawal authority is received, and a process to read out and output at least one of the collection information and the processing information in response to a reference request that satisfies the reference authority.

[0008] A collection processing device according to one embodiment of the present invention includes a generation unit that generates an electronic collection envelope for each collection process, the electronic collection envelope including information regarding the person to be collected, the amount to be collected, and the collection date, and that is identified by an identifier, and a notification unit that, when the electronic collection envelope is generated, notifies a notification destination associated with the person to be collected of information regarding the amount to be collected and the collection date by the electronic collection envelope.

[0009] A collection processing method according to one embodiment of the present invention involves a computer generating an electronic collection envelope for each collection process, the electronic collection envelope including information relating to the person to be collected, the amount to be collected, and the collection date, and identified by an identifier, and when the computer generates the electronic collection envelope, notifying a notification destination associated with the person to be collected of information relating to the amount to be collected and the collection date using the electronic collection envelope.

[0010] A computer program according to one aspect of the present invention causes a computer to execute a process of generating an electronic collection envelope for each collection process, the electronic collection envelope including information regarding the collection target, the amount to be collected, and the collection date, and identified by an identifier, and when the electronic collection envelope is generated, notifying a notification destination associated with the collection target of information regarding the amount to be collected and the collection date using the electronic collection envelope. Effect of the Invention

[0011] According to the present application, money collection can be carried out without using an actual money bag. [Brief description of the drawings]

[0012] [Figure 1] FIG. 1 is a schematic explanatory diagram illustrating a bill collection system according to a first embodiment. [Diagram 2] FIG. 2 is a block diagram illustrating an internal configuration of a bill collector terminal. [Diagram 3] FIG. 2 is a block diagram illustrating the internal configuration of a payer terminal. [Figure 4] FIG. 2 is a block diagram illustrating an internal configuration of a server device. [Diagram 5] FIG. 13 is a conceptual diagram illustrating an example of a bill collector table. [Figure 6] FIG. 13 is a conceptual diagram illustrating an example of a payer table. [Figure 7] 1 is a conceptual diagram showing an example of a data structure of an electronic money collection envelope registered in an electronic money collection envelope database. FIG. [Figure 8] 10 is a flowchart illustrating a procedure of a process executed by a bill collector terminal, a payer terminal, and a server device. [Figure 9] 13 is a flowchart illustrating a procedure of a process executed by a payer terminal and a server device according to the second embodiment. [Figure 10] FIG. 13 is a schematic diagram showing an example of a display screen showing the contents of a request. [Figure 11] FIG. 13 is a schematic diagram showing an example of a payment screen. [Figure 12]13 is a flowchart illustrating a procedure of a process executed by a bill collector terminal and a server device according to the third embodiment. [Figure 13] FIG. 13 is a schematic diagram showing an example of a payment status confirmation screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, the present invention will be described in detail with reference to the drawings showing embodiments thereof. (Embodiment 1) Fig. 1 is a schematic explanatory diagram illustrating a bill collection system according to embodiment 1. The bill collection system according to embodiment 1 includes a bill collector terminal 10 used by a bill collector, a payer terminal 20 used by a payer (a person to be collected), and a server device 30 that executes bill collection. The bill collector terminal 10, the payer terminal 20, and the server device 30 are connected to each other so as to be able to communicate with each other via a network N such as the Internet or a dedicated line.

[0014] In this embodiment, for example, assuming that a school teacher collects various fees such as school lunch fees, PTA membership fees, and photo fees from the parents of students, the person who collects the fees is the school teacher and the person who pays the collected amount is the parents of the students. Furthermore, the collection process is performed by a financial institution such as a bank. For this reason, the server device 30 is installed in the financial institution. The person who collects the fees does not need to be a specific person and may be any organization such as a school.

[0015] When a collection event occurs to collect various fees, the server device 30 generates an electronic collection envelope. For example, when collecting photo fees, the server device 30 may generate an electronic collection envelope in response to a request from a collector. When collecting fees periodically, such as when collecting school lunch fees or PTA membership fees, the server device 30 may automatically generate an electronic collection envelope at a regular interval, such as once a month. The electronic collection envelope generated by the server device 30 is a temporary virtual account generated for each collection item and each payer, and includes an identifier (hereinafter referred to as an envelope ID), collection information including information on the payer, the amount collected, and the collection date, processing information indicating the processing status of the collection process, and authority information defining various authorities.

[0016] When the server device 30 generates an electronic collection envelope, it refers to the collection information in the electronic collection envelope and notifies the notification destination associated with the payer of information regarding the collection amount and collection date. Here, the notification destination associated with the payer is, for example, an email address used by the payer. The collection information notified by the server device 30 is displayed on the payer terminal 20.

[0017] When the payer is notified of information regarding the amount to be collected and the collection date by the server device 30, the payer deposits the amount into the electronic collection envelope. Since the electronic collection envelope is prepared as a virtual account at a financial institution, the payer can deposit the amount to be collected into the electronic collection envelope by transferring the amount to the virtual account. The amount to be collected may also be deposited into the electronic collection envelope by automatic deduction from the payer's own account to the virtual account.

[0018] When the collected amount is deposited in the electronic collection envelope, the server device 30 executes a settlement process. The server device 30 may execute the settlement process on the collection due date, or may execute the settlement process before the collection due date. Through the settlement process of the server device 30, the collected amount using the electronic collection envelope is transferred from the electronic collection envelope to the designated account of the collector.

[0019] 2 is a block diagram illustrating the internal configuration of the bill collector terminal 10. The bill collector terminal 10 is a terminal device such as a personal computer, and includes a control unit 11, a storage unit 12, a communication unit 13, an operation unit 14, and a display unit 15.

[0020] The control unit 11 includes, for example, a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The CPU of the control unit 11 controls the operation of the various hardware components described above by expanding various programs stored in advance in the ROM or the storage unit 12 into the RAM and executing them.

[0021] Note that the control unit 11 is not limited to the above configuration, and may be any processing circuit including one or more CPUs, a multi-core CPU, a microcomputer, etc. Furthermore, the control unit 11 may have functions such as a clock that outputs date and time information, a timer that measures the elapsed time from when an instruction to start measurement is given until when an instruction to end measurement is given, and a counter that counts numbers.

[0022] The storage unit 12 includes a storage device using a flash memory, a hard disk, etc. The storage unit 12 stores various computer programs executed by the control unit 11, data necessary for executing the computer programs, etc. The computer programs stored in the storage unit 12 include an operating system, which is a program for controlling the overall operation of the bill collector terminal 10, application programs for receiving input of various data from bill collectors, etc.

[0023] The programs stored in the storage unit 12 may be provided by a non-transitory recording medium on which the programs are readably recorded. The recording medium is, for example, a portable memory such as a CD-ROM, a USB memory, a Secure Digital (SD) card, a micro SD card, or a Compact Flash (registered trademark). In this case, the control unit 11 can read various programs from the recording medium using a reading device (not shown) and install the read various programs in the storage unit 12. The programs stored in the storage unit 12 may be provided by communication via the communication unit 13. In this case, the control unit 11 can obtain various programs through the communication unit 13 and install the obtained various programs in the storage unit 12.

[0024] The communication unit 13 includes a connection interface for connecting to the network N. When the communication unit 13 receives information transmitted from the server device 30 or the like via the network N, the communication unit 13 outputs the received information to the control unit 11. The control unit 11 executes appropriate processing based on the information received via the communication unit 13. Furthermore, when the communication unit 13 obtains information to be transmitted to the server device 30 or the like from the control unit 11, the communication unit 13 transmits the information to the server device 30 or the like via the network N.

[0025] The operation unit 14 has an input interface such as a keyboard, a mouse, etc., and receives operations by the bill collector. The display unit 15 has a liquid crystal display device, etc., and displays information to be notified to the bill collector.

[0026] 3 is a block diagram illustrating the internal configuration of payer terminal 20. Payer terminal 20 is a terminal device such as a smartphone or a personal computer, and includes a control unit 21, a storage unit 22, a communication unit 23, an operation unit 24, and a display unit 25.

[0027] The control unit 21 includes, for example, a CPU, a ROM, a RAM, etc. The CPU of the control unit 21 loads various programs stored in advance in the ROM or the storage unit 22 into the RAM and executes them to control the operation of the various hardware components described above.

[0028] The control unit 21 is not limited to the above configuration, and may be any processing circuit including one or more CPUs, a multi-core CPU, a microcomputer, etc. The control unit 21 may also have functions such as a clock that outputs date and time information, a timer that measures the elapsed time from when an instruction to start measurement is given until when an instruction to end measurement is given, and a counter that counts numbers.

[0029] Storage unit 22 includes a storage device using a flash memory, a hard disk, etc. Storage unit 22 stores various computer programs executed by control unit 21, data necessary for executing the computer programs, etc. The computer programs stored in storage unit 22 include an operating system, which is a program for controlling the overall operation of payer terminal 20, application programs for receiving input of various data from the payer, etc.

[0030] The programs stored in the storage unit 22 may be provided by a non-transitory recording medium on which the programs are readably recorded. The recording medium is, for example, a portable memory such as a CD-ROM, a USB memory, an SD card, a micro SD card, or a compact flash. In this case, the control unit 21 can read the various programs from the recording medium using a reading device (not shown) and install the read various programs in the storage unit 22. The programs stored in the storage unit 22 may be provided by communication via the communication unit 23. In this case, the control unit 21 can obtain the various programs through the communication unit 23 and install the obtained various programs in the storage unit 22.

[0031] The communication unit 23 includes a connection interface for connecting to the network N. When the communication unit 23 receives information transmitted from the server device 30 or the like via the network N, the communication unit 23 outputs the received information to the control unit 21. The control unit 21 executes appropriate processing based on the information received via the communication unit 23. Furthermore, when the communication unit 23 obtains information to be transmitted to the server device 30 or the like from the control unit 21, the communication unit 23 transmits the information to the server device 30 or the like via the network N.

[0032] The operation unit 24 includes an input interface such as a keyboard, a mouse, etc., and receives operations by the payer. The display unit 25 includes a liquid crystal display device, etc., and displays information to be notified to the payer.

[0033] 4 is a block diagram illustrating the internal configuration of the server device 30. The server device 30 includes, for example, a control unit 31, a storage unit 32, a communication unit 33, an operation unit , and a display unit .

[0034] The control unit 31 includes, for example, a CPU, a ROM, a RAM, etc. The CPU of the control unit 31 controls the operation of the various hardware described above by expanding various programs stored in advance in the ROM or the storage unit 32 into the RAM and executing them, and causes the entire device to function as the money collection processing device of the present application.

[0035] The control unit 31 may also have functions such as a clock that outputs date and time information, a timer that measures the elapsed time from when an instruction to start measurement is given until when an instruction to end measurement is given, and a counter that counts numbers.

[0036] The storage unit 32 includes a storage device using a flash memory, a hard disk, etc. The storage unit 32 stores various computer programs executed by the control unit 31 and various data.

[0037] The computer programs stored in the storage unit 32 include an operating system, which is a computer program for controlling the overall operation of the server device 30, as well as a collection processing program 320. This collection processing program 320 is a computer program for causing the server device 30 to execute processes such as generating an electronic collection envelope in response to a collection event, and notifying the collection target of the collection amount and collection date.

[0038] The programs stored in the storage unit 32 may be provided by a non-transitory storage medium M on which the programs are readably recorded. The storage medium M is, for example, a portable memory such as a CD-ROM, a USB memory, an SD card, a micro SD card, or a compact flash. In this case, the control unit 31 can read the various programs from the storage medium M using a reading device (not shown) and install the read various programs in the storage unit 32. The programs stored in the storage unit 32 may be provided by communication via the communication unit 33. In this case, the control unit 31 can obtain the various programs through the communication unit 33 and install the obtained various programs in the storage unit 32.

[0039] The memory unit 32 also has a collector table 321 in which information on collectors is registered, a payer table 322 in which information on payers is registered, and an electronic collection envelope database 323 in which data on electronic collection envelopes is registered. The collector table 321, the payer table 322, and the electronic collection envelope database 323 will be described in detail later.

[0040] The communication unit 33 has a connection interface for connecting to the network N. When the communication unit 33 receives information transmitted from the bill collector terminal 10, the payer terminal 20, etc., via the network N, it outputs the received information to the control unit 31. The control unit 31 executes appropriate processing based on the information received via the communication unit 33. In addition, when the communication unit 33 obtains information to be transmitted to the bill collector terminal 10, the payer terminal 20, etc. from the control unit 31, it transmits the information to the bill collector terminal 10, the payer terminal 20, etc. via the network N.

[0041] The operation unit 34 is equipped with an input interface such as a keyboard and a mouse, and accepts operations by workers. The display unit 35 is equipped with a liquid crystal display device or the like, and displays information to be notified to workers. Note that in this embodiment, the server device 30 is configured to include the operation unit 34 and the display unit 35, but the operation unit 34 and the display unit 35 are not essential, and the server device 30 may be configured to accept operations via an externally connected computer and output information to be notified to the external computer.

[0042] In this embodiment, for the sake of simplicity, the server device 30 is described as a single device, but it may be composed of multiple processing devices, or may be composed of one or multiple virtual machines.

[0043] 5 is a conceptual diagram showing an example of the bill collector table 321. Information about bill collectors is registered in the bill collector table 321. Information registered in the bill collector table 321 includes, for example, the bill collector ID, the bill collector's name, the bill collector's affiliation, the email address used by the bill collector, and information about the account designated by the bill collector.

[0044] 6 is a conceptual diagram showing an example of payer table 322. Information about payers is registered in payer table 322. Information registered in payer table 322 includes, for example, a payer ID, payer name, student name, school name, grade, class, attendance number, email address used by the payer, and information about an account specified by the payer.

[0045] FIG. 7 is a conceptual diagram showing an example of the data structure of an electronic collection envelope registered in the electronic collection envelope database 323. The electronic collection envelope has a field in which the envelope ID is registered, a field in which collection information is registered, a field in which processing information is registered, and a field in which authority information is registered. The envelope ID is an identifier that identifies each electronic collection envelope. The collection information includes information on the payer, the collected amount, and the collection due date. The collection information may further include information on the collection subject and the collector. The processing information includes information on the status such as unpaid, paid, or settlement completed, and the processing date such as the deposit date and the settlement completion date. The authority information is information on processing authority including deposit authority, withdrawal authority, and reference authority.

[0046] The server device 30 generates an electronic collection envelope having each of the above-mentioned fields in response to a request from a collector, etc., and registers the necessary information in each field. The electronic collection envelope is used for collection processing by the server device 30. Here, the collection processing by the server device 30 includes a process of notifying a notification destination associated with a payer of information regarding the collection amount and collection date by referring to the collection information each time an electronic collection envelope is generated, a process of updating the processing information when a deposit process that satisfies the deposit authority or a withdrawal process that satisfies the withdrawal authority is accepted, and a process of reading out and outputting at least one of the collection information and the processing information in response to a reference request that satisfies the reference authority.

[0047] The electronic collection envelope illustrated in FIG. 7 has an envelope ID of "#123", indicating that it is an electronic collection envelope generated to collect "photo fee" from a payer (Mr. A) identified by a payer ID of "P001". It also indicates that the collector of this electronic collection envelope is a collector (Mr. X) identified by a collector ID of "C001". In response to the generation of this electronic collection envelope, the server device 30 notifies the payer of the collected amount (for example, 525 yen) and the collection date (November 20, 2018). After the information on the collected amount and collection date is notified, a deposit process into the electronic collection envelope, a withdrawal process from the electronic collection envelope, and a settlement process are performed. Note that these processes are performed by a person who has the set processing authority. When a deposit process, a withdrawal process, or a settlement process is performed, the processing information (status and processing date) of the electronic collection envelope is updated. For example, when a deposit process is performed for an electronic money collection bag with a bag ID of "#123", the status is updated from "Not Deposited" to "Deposited", and the processing date is updated to the date when the deposit is completed (for example, November 10, 2018). Also, when the payment process is completed by the server device 30, the status is updated from "Deposited" to "Payment Completed", and the processing date is updated to the date when the payment is completed.

[0048] The operation of the bill collection system according to this embodiment will be described below. FIG. 8 is a flowchart explaining the procedure of the process executed by the collector terminal 10, the payer terminal 20, and the server device 30. The control unit 11 of the collector terminal 10 accepts collection information including information on the payer, the collection amount, and the collection date through the operation unit 14 (step S101). The control unit 11 may accept, as the information on the payer, for example, the name of the payer, the email address used by the payer, the account information of the payer, and the like. In addition, if the information on the payer has already been registered in the payer table 322 of the server device 30, the control unit 11 may accept the payer ID as the information on the payer. Furthermore, the control unit 11 may accept a group ID specifying multiple payers, and accept information on the collection amount to be collected and the collection date from each of the multiple payers belonging to the group.

[0049] Next, the control unit 11 of the collector terminal 10 transmits a collection request including information such as the payer, the amount to be collected, and the like to the server device 30 through the communication unit 13 (step S102).

[0050] When the control unit 31 of the server device 30 receives a collection request transmitted from the collector terminal 10 through the communication unit 33 (step S103), it generates an electronic collection envelope (step S104). At this time, the control unit 31 issues a envelope ID to be assigned to the electronic collection envelope, and generates an electronic collection envelope including the issued envelope ID, collection information, processing information, and authority information. The envelope ID, collection information, processing information, and authority information are entered into the above-mentioned fields, and are registered in the electronic collection envelope database 323 as an electronic collection envelope. The deposit authority included in the authority information is granted to the payer, the withdrawal authority is granted to the financial institution (server device 30), and the reference authority is granted to the payer and the collector.

[0051] When the control unit 31 generates an electronic collection envelope, it refers to the collection information and notifies the payer of the collection amount and collection date (step S105). At this time, the control unit 31 sends an e-mail including the collection amount and collection date information from the communication unit 33, addressed to the payer's e-mail address. The payer's e-mail address is associated with the payer ID and registered in the payer table 322.

[0052] The control unit 21 of the payer terminal 20 receives a notification including information on the collection amount and collection due date from the server device 30 via the communication unit 23 (step S106), and displays the information on the collection amount and collection due date included in the notification on the display unit 25 (step S107).

[0053] After transmitting the information on the collected amount and the collection date, the control unit 31 of the server device 30 waits for a deposit into the electronic collection bag. When accepting a deposit process, the control unit 31 may confirm the deposit authority of the depositor. For example, the control unit 31 can confirm the deposit authority by performing user authentication using a user ID and password, etc., and determining whether the user identified by the user authentication is the same as the authorized person set in the authority information (deposit authority) of the electronic collection bag. When a deposit is made into the electronic collection bag, the control unit 31 updates the processing information (status and processing date) in the electronic collection bag (step S108).

[0054] The deposit into the electronic money envelope is carried out in the same manner as a general transfer process in a financial institution. The server device 30 may also accept the payer's selection of the method for depositing money into the electronic money envelope. For example, the server device 30 may display a selection screen on the display unit 25 of the payer terminal 20, which allows the payer to select credit card payment, electronic money payment, virtual currency payment, payment by valuable points, etc., and may accept the deposit into the electronic money envelope using the payment method selected by the payer.

[0055] Furthermore, when the amount to be collected is relatively large, the server device 30 may accept the deposit into the electronic money collection envelope in multiple installments.

[0056] Next, the control unit 31 executes the settlement process at an appropriate timing (step S109). The control unit 31 executes the settlement process by withdrawing the collected amount from the electronic collection envelope and depositing it into the account designated by the collector. The control unit 31 may execute the settlement process on the day of the collection due date, or may execute the settlement process without waiting for the collection due date. Furthermore, in the case where the collected amount is relatively high and the electronic collection envelope is deposited in multiple installments, the control unit 31 may execute the settlement process upon receipt of the total amount of deposits reaching the collected amount. After executing the settlement process, the control unit 31 updates the processing information (status and processing date) in the electronic collection envelope (step S110). When the settlement process is completed, the control unit 31 transmits a notification that the settlement is completed to the collector terminal 10 through the communication unit 33 (step S111).

[0057] The control unit 11 of the bill collector terminal 10 receives a notification that the settlement has been completed from the server device 30 via the communication unit 13 (step S112), and displays the received notification on the display unit 15 (step S113).

[0058] As described above, the server device 30 according to the present embodiment generates an electronic collection envelope for each collection item and each payer, and executes collection processing using the electronic collection envelope, so collection processing can be executed without using an actual collection envelope. This eliminates the need to worry about giving cash to children, and eliminates the need to prepare coins so that change is not given each time money is collected.

[0059] (Embodiment 2) In the second embodiment, a configuration will be described in which the server device 30 notifies the payer terminal 20 of the billing details to the payer in response to a viewing request from the payer terminal 20.

[0060] 9 is a flowchart explaining the procedure of the process executed by the payer terminal 20 and server device 30 according to embodiment 2. When the control unit 21 of the payer terminal 20 receives a request to view details of a bill to a payer via the operation unit 24 (step S201), the control unit 21 transmits the request to view including a payer ID to the server device 30 via the communication unit 23 (step S202).

[0061] When the control unit 31 of the server device 30 receives a request to view the billing details through the communication unit 33 (step S203), it searches the electronic collection envelope database 323 for electronic collection envelopes with a status of "unpaid" using the payer ID included in the view request as a search key (step S204). At this time, the control unit 31 may check the viewing authority. For example, the control unit 31 can check the viewing authority by performing user authentication using a user ID and password, etc., and determining whether the user identified by the user authentication is the same as the authorized person set in the authority information (viewing authority) of the electronic collection envelope. When a search result is obtained, the control unit 31 returns the search result to the payer terminal 20 through the communication unit 33 (step S205).

[0062] The control unit 21 of the payer terminal 20 receives the search result transmitted from the server device 30 through the communication unit 23 (step S206). The control unit 21 generates a display screen showing the details of the bill based on the search result of the server device 30, and displays the generated display screen on the display unit 25 (step S207).

[0063] FIG. 10 is a schematic diagram showing an example of a display screen showing the billing contents. The billing screen 250 shown in FIG. 10 shows the billing contents to a specific payer (for example, a payer with a payer ID "P001"). In this example, a bill made using an electronic collection envelope with an envelope ID "#123" and a bill made using an electronic collection envelope with an envelope ID "#456" are shown. Payment buttons 251 and 252 are assigned to each bill. The payment buttons 251 and 252 are software buttons that can be operated using the operation unit 24. When the payment buttons 251 and 252 are operated, the control unit 21 transitions the display on the display unit 25 to a payment screen 260 (see FIG. 11). In addition, a close button 253 is arranged on the billing screen 250 shown in FIG. 10 to accept an operation to close the screen without making a payment.

[0064] FIG. 11 is a schematic diagram showing an example of a payment screen 260. The payment screen 260 shown in FIG. 11 shows an example of a display screen displayed on the display unit 25 when the payment button 251 is operated on the billing screen 250. The payment screen 260 has a start button 261 for starting the payment and a close button 262 for closing the screen without starting the payment. The start button 261 and the close button 262 are software buttons that can be operated using the operation unit 24. When the start button 261 is operated, the control unit 21 transmits a payment start instruction specifying the bag ID "#123" to the server device 30 through the communication unit 23. The server device 30 that has received the payment start instruction refers to the account information of the payer registered in the payer table 322, and deposits the collected amount from the payer's account into the electronic collection bag with the bag ID "#123". On the other hand, when the close button 262 is operated, the control unit 21 executes a process of closing the payment screen 260 without executing the payment process.

[0065] As described above, in this embodiment, the billing details can be displayed on the display unit 25 of the payer terminal 20 in response to a viewing request from the payer.

[0066] (Embodiment 3) In the third embodiment, a configuration will be described in which the server device 30 notifies the bill collector terminal 10 of the payment status in response to a viewing request from the bill collector terminal 10.

[0067] 12 is a flowchart explaining the procedure of the process executed by the bill collector terminal 10 and the server device 30 according to the embodiment 3. When the control unit 11 of the bill collector terminal 10 receives a request to view the status of a deposit via the operation unit 14 (step S301), the control unit 11 transmits the request to view including the bill collector ID via the communication unit 23 to the server device 30 (step S302).

[0068] When the control unit 31 of the server device 30 receives a request to view the deposit status through the communication unit 33 (step S303), it searches the electronic collection envelope associated with the collector ID from the electronic collection envelope database 323 using the collector ID included in the request as a search key (step S304). At this time, the control unit 31 may check the viewing authority. For example, the control unit 31 can check the viewing authority by performing user authentication using a user ID and password, etc., and determining whether the user identified by the user authentication is the same as the authorized person set in the authority information (viewing authority) of the electronic collection envelope. When a search result is obtained, the control unit 31 returns the search result to the collector terminal 10 through the communication unit 33 (step S305).

[0069] The control unit 11 of the bill collector terminal 10 receives the search result returned from the server device 30 through the communication unit 13 (step S306). The control unit 11 generates a display screen showing the deposit status based on the search result of the server device 30, and displays the generated display screen on the display unit 15 (step S307).

[0070] Fig. 13 is a schematic diagram showing an example of a payment status confirmation screen. In the payment status confirmation screen shown in Fig. 13, the payment status of each payer is displayed in a list. The total collected amount may be calculated in the bill collector terminal 10 or the server device 30, and the calculation result may be displayed together. Also, the payment status for each collection subject may be displayed in a list.

[0071] As described above, in this embodiment, the payment status can be displayed on the display unit 15 of the bill collector terminal 10 in response to a viewing request from the bill collector.

[0072] The embodiments disclosed herein are illustrative in all respects and should not be considered as limiting. The scope of the present invention is defined by the claims, not by the above meaning, and is intended to include all modifications within the meaning and scope of the claims. [Explanation of symbols]

[0073] 10. Payment terminal 20 Payer Terminal 30 Server device 11, 21, 31 Control section 12,22,32 Storage section 13,23,33 Communications Department 14,24,34 Operation section 15,25,35 Display section 320 Collection Processing Program 321 Collector Table 322 Payer Table 323 Electronic Collection Bag Database

Claims

1. A bill collection processing device that is neither a bill collector terminal nor a bill collection target terminal, a generation unit which generates an electronic collection envelope which includes information on the person to be collected, the amount to be collected, and the collection date, as well as processing information showing the processing status of the collection process, and which is identified by an identifier, for each collection process when a request is received from a collector terminal or at regular intervals; a notification unit that notifies a notification destination associated with a person to be collected of information regarding an amount collected by the electronic collection envelope and a collection date when the electronic collection envelope is generated; an updating unit that updates the processing information when a deposit into the electronic money collection bag or a withdrawal from the electronic money collection bag is accepted; A money collection processing device comprising:

2. When the update unit updates the processing information, the notification unit notifies the updated processing information to a notification destination associated with the bill collector. The money collection and processing device according to claim 1 .

3. A storage unit that stores the processing history of one or more electronic collection envelopes generated for the person to be collected in association with information of the person to be collected. The money collection processing device according to claim 1 or 2, comprising:

4. A bill collection processing device that is neither a bill collector terminal nor a bill collection target terminal, a generation unit that generates an electronic collection envelope that includes information regarding a collection target, a collection amount, and a collection date and is identified by an identifier when a request is received from a collector terminal or at regular intervals for each collection process; a notification unit that notifies a notification destination associated with a person to be collected of information regarding an amount collected by the electronic collection envelope and a collection date when the electronic collection envelope is generated; a control unit that accepts deposits into the electronic collection envelope until the collection date and executes a settlement process on the collection date; A money collection processing device comprising:

5. A reception section that accepts the selection of the payment method Equipped with The control unit executes a payment process when a payment is received into the electronic money envelope by the selected payment method. The money collection and processing device according to claim 4.

6. A bill collection processing device that is neither a bill collector terminal nor a bill collection target terminal, a generation unit that generates an electronic collection envelope that includes information regarding a collection target, a collection amount, and a collection date and is identified by an identifier when a request is received from a collector terminal or at regular intervals for each collection process; a notification unit that notifies a notification destination associated with a person to be collected of information regarding the amount of money collected by the electronic collection envelope and the collection date when the electronic collection envelope is generated; Equipped with The electronic money collection bag is set with processing authority including a deposit authority, a withdrawal authority, and a viewing authority, A process limiting section that limits processes for the electronic money collection bag according to the process authority A money collection processing device comprising:

7. A bill collection processing device that is neither a bill collector terminal nor a bill collection target terminal, a generation unit that generates an electronic collection envelope that includes information regarding a collection target, a collection amount, and a collection date and is identified by an identifier when a request is received from a collector terminal or at regular intervals for each collection process; a notification unit that notifies a notification destination associated with a person to be collected of information regarding the amount of money collected by the electronic collection envelope and the collection date when the electronic collection envelope is generated; Equipped with The electronic collection envelope is a temporary virtual account that is generated for each collection transaction. Money collection processing equipment.

8. a bill collection processing device that is neither a bill collector terminal nor a bill collection target terminal and that generates, for each bill collection process, an electronic bill collection envelope that includes information on a bill collection target, a bill collection amount, and a bill collection due date and is identified by an identifier; a transmission unit that transmits a request to view the electronic money collection bag to the money collection processing device; a receiving unit that receives a search result including information on unpaid electronic collection envelopes from the collection processing device in response to the viewing request; A generation unit that generates a display screen on which a payment button is arranged for each unpaid electronic collection envelope based on information on the unpaid electronic collection envelope included in the received search result; a display unit that displays the generated display screen; an execution unit that executes payment to the electronic money collection bag selected by the payment button; A payer terminal comprising:

9. A computer that is neither a bill collector terminal nor a bill collection target terminal, When a request is received from a bill collector terminal or at regular intervals, an electronic bill collection envelope is generated for each bill collection process, the electronic bill collection envelope including information on the bill collection target, the amount collected, and the bill collection date, as well as processing information showing the processing status of the bill collection process, and the electronic bill collection envelope is identified by an identifier; When the electronic collection envelope is generated, information regarding the amount of money collected by the electronic collection envelope and the collection date is notified to a notification destination associated with the person to be collected; When a deposit into the electronic money collection envelope or a withdrawal from the electronic money collection envelope is accepted, the processing information is updated. Collection process method.

10. A computer that is neither a bill collector terminal nor a bill collection target terminal, When a request is received from a bill collector terminal or at regular intervals, an electronic bill collection envelope is generated for each bill collection process, the electronic bill collection envelope including information on the bill collection target, the amount to be collected, and the bill collection date, and the electronic bill collection envelope is identified by an identifier; When the electronic collection envelope is generated, information regarding the amount of money collected by the electronic collection envelope and the collection date is notified to a notification destination associated with the person to be collected; Accepting deposits into the electronic collection envelope until the collection date, and executing a settlement process on the collection date Collection process method.

11. A computer that is neither a bill collector terminal nor a bill collection target terminal, When a request is received from a bill collector terminal or at regular intervals, an electronic bill collection envelope is generated for each bill collection process, the electronic bill collection envelope including information on the bill collection target, the amount to be collected, and the bill collection date, and the electronic bill collection envelope is identified by an identifier; When the electronic collection envelope is generated, information regarding the amount of money collected by the electronic collection envelope and the collection date is notified to a notification destination associated with the person to be collected; Processing on the electronic money collection bag is restricted according to processing authority including a deposit authority, a withdrawal authority, and a viewing authority set on the electronic money collection bag. Collection process method.

12. A computer that is neither a bill collector terminal nor a bill collection target terminal, When a request is received from a bill collector terminal or at regular intervals, an electronic bill collection envelope is generated for each bill collection process, the electronic bill collection envelope including information on the bill collection target, the amount to be collected, and the bill collection date, and the electronic bill collection envelope is identified by an identifier; When the electronic collection envelope is generated, information regarding the amount of money collected by the electronic collection envelope and the collection date is notified to a notification destination associated with the person to be collected; The electronic collection envelope is a temporary virtual account that is generated for each collection transaction. Collection process method.

13. A computer program for causing a computer to execute the collection processing method described in any one of claims 9 to 12.

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