Patent Publication Number: US-2004049458-A1

Title: Payment statement issuing system and charge paying system

Description:
TECHNICAL FIELD  
       [0001] The present invention relates to a payment sheet issuing system and a charge payment system, and more particularly to a system enabling a user to collectively manage the payment procedure of various public utility charges and the like.  
       BACKGROUND ART  
       [0002] At present, as a general rule, various payments including public utility charges, such as for electricity, gas, water, telephone, and apartment rent for apartment buildings constructed by the Housing Corporation, and payments for credit card companies are made by carrying a payment sheet, which is mailed from a service provider to a user every month, to a financial institution or a convenience store to pay the amount billed in cash.  
       [0003] Therefore, service providers, such as an electric power company, a gas company, an autonomous body, and the like, have to mail the payment sheets to the respective users, which is expensive. When a user does not pay the charge immediately after receiving the payment sheet, after the term of payment, the service provider must mail the payment sheet again together with a letter of collection.  
       [0004] For a user, it is very troublesome to manage multiple payment sheets every month because he or she receives various kinds of payment sheets issued by each service provider, which have various terms of payment.  
       [0005] For example, when a user tries to pay the amount for several bills collectively just after payday, it is possible that some payments cannot be made because the user has lost some of the payment sheets.  
       [0006] Also, it is possible that after paying the charge according to the re-issued payment sheet, a user may pay the same charge again according to the original payment sheet.  
       [0007] Alternatively, it is possible that the phone line or the electric power supply may be stopped due to outstanding charges existing prior to the latest payment even if the latest payment has been made.  
       [0008] Therefore, a service provider recommends an automatic debt transfer method from a bank account in order to save the cost of mailing the payment sheets and to save the user trouble during payment.  
       [0009] In order to do so, however, a user must perform the transfer requesting procedure for every service provider in a bank, and he or she must always be careful about the funds in his or her bank account in order to prevent from a shortage of funds. Users may be averse to using automatic withdrawal for a lot of money, without a user&#39;s knowledge and without a check of the bill details prior to withdrawal. Therefore, the payment of charges by automatic withdrawal is not popular at present.  
       [0010] This invention solves the above problem that arises for conventional payments of charges and aims to provide a system capable of reducing the mailing cost of the payment sheets on the side of a service provider and enhancing convenience in the management of the payment terms on the side of a user.  
       DISCLOSURE OF THE INVENTION  
       [0011] In order to solve the above object, a payment sheet issuing system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information with attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; issuing means (printing machine such as a printer); and means for supplying necessary information to the issuing means, so as to print out a payment sheet corresponding to a specified bill when information for selecting the bill is supplied from the terminal.  
       [0012] The above “terminal operated by the user” widely includes a personal computer, a portable phone, a PDA (personal digital assistant), an exclusive terminal, and the like.  
       [0013] Since the bills from the respective service providers are stored in the storing means, associated with the respective users, a user can confirm various bills for himself or herself at one time by issuing a display request of the bills through the terminal. Therefore, it has the advantage that a user can manage the payment terms and make a payment plan for the various bills easily.  
       [0014] Further, if a user desires a hard copy, a copy of the payment sheet for the corresponding bill can be printed and issued at that site from the issuing means, and therefore, a service provider can save the trouble and the cost of mailing the payment sheets to the respective users. Also, a user advantageously does not have to keep the payment sheet until the due-date for payment.  
       [0015] Having received the payment sheet as mentioned above, a user can carry this payment sheet to a nearby convenience store or financial institution and pay the money.  
       [0016] A charge payment system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information with attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; an issuing unit; means for supplying necessary information to the issuing unit, so as to print out a payment sheet corresponding to a specified bill when information for selecting the bill is supplied from the terminal; means for supplying information indicating that the bill has been paid in cash, by credit card, by pre-paid card, or by another type of electronic funds transfer, according to the payment sheet; and means for processing the bill stored in the storing means as an already-paid item when receiving the above payment completion information. Here, “processing the bill as an already-paid item” means, for example, that the information that it has been paid is added to the corresponding bill. Alternatively, the information about the corresponding bill may be deleted from the storing means.  
       [0017] Another charge payment system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information to attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; means for sending a message inducing a user to enter money for the amount of a specified bill, to the terminal, when information for selecting the bill is supplied from the terminal; a cash handling unit; means for recognizing the amount of the money entered into the above cash handling unit and supplying information indicating that the money for the above amount has been entered; and means for processing the bill stored in the storing means as an already-paid item when receiving the above information of the cash payment completion.  
       [0018] In this case, since the money is transferred and received through the cash handling unit, the payment sheet itself is not necessary.  
       [0019] Another charge payment system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information to attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; means for sending a message inducing a user to pay the amount of a specified bill, to the terminal, when information for selecting the bill is supplied from the terminal; card information input means for entering credit card information or pre-paid card information; means for sending the card information and amount information to a computer system of a card company, so as to check whether a payment by the card is permitted or not, when receiving the credit card information or the pre-paid card information through the card information input means; means for processing the bill stored in the storing means as an already-paid item when information of payment completion is sent from the computer system.  
       [0020] The above “card information input means” includes, for example, a card reader for reading out the information recorded in a card. Alternatively, when typing the number of a credit card, the expiration data, and the number of a pre-paid card, the card information input means corresponds to a keyboard connected to a computer system. When the above information is represented by a bar code on the surface of a card, the card information input means corresponds to a bar code reader.  
       [0021] Another charge payment system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information to attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; means for sending a message inducing a user to pay the amount of a specified bill, to the terminal, when information for selecting the bill is supplied from the terminal; card information input means for entering debit card information; means for entering a user&#39;s secret identification code; means for sending card information, secret identification code, and amount information to a computer system of a financial institution, so as to check whether a payment by the debit card is permitted or not when receiving the card information and the secret identification code through the input means; and means for processing the bill stored in the storing means as already-paid item when information of payment completion is sent from the computer system.  
       [0022] Another charge payment system according to the invention comprises: storing means for storing billing information for each user which is sent from a server of a service provider, while associating the above information to attribute information of the user; means for searching within the above storing means to extract a bill for a user and sending the bill to a terminal when a display request of the bill is issued from the terminal operated by the user; means for sending a message inducing a user to pay the amount of a specified bill, to the terminal, when information for selecting the bill is supplied from the terminal; means for entering a user&#39;s secret identification code in a financial institution where the user has an account; means for sending the entered secret identification code, amount information, and user&#39;s account information to a computer system of the financial institution, so as to check whether a payment through account transfer is permitted or not; and means for processing the bill stored in the storing means as already-paid item when information of payment completion is sent from the computer system.  
       [0023] Each of the above charge payment systems can comprise: storing means for storing detail information about each bill; and means for retrieving the storing means to extract the detail information about a specified bill and sending the above information to the terminal when a display request of the detail information about the bill is issued from the terminal.  
       [0024] As a result, since a user can confirm the details of each bill in advance, he or she can make a payment with confidence.  
       [0025] Each of the charge payment systems can comprise means for calculating a total sum of bills and sending the total to the terminal when information for selecting the bills is issued from the terminal.  
       [0026] Each of the charge payment systems can comprise means for searching within the storing means to extract a bill concerned to a specified service provider, of the bills for the user, and sending the same bill to the terminal when information for selecting the service provider is issued from the terminal.  
       [0027] As a result, it is possible to pay, for example, only the electricity charges in the lump.  
       [0028] Each of the charge payment systems can comprise means for sending a user&#39;s attribute information entered from the terminal to a server of a selected service provider, so as to check whether the user registration is possible or not, when a new user registration request together with a request for selecting the service provider is supplied from the terminal; and means for storing the user&#39;s attribute information into the predetermined storing means while associating the user with the service provider when a positive reply is obtained in the above.  
       [0029] As a result, it is possible to prevent the mistake of associating a user with a service provider not associated with the user.  
       [0030] Each of the charge payment systems can comprise: means for updating attribute information entered from the terminal in the storing means when a request for changing the user&#39;s attribute information is issued from the terminal; and means for sending the changed attribute information to a server of a service provider selected by the user and requesting update of the user information stored in the storing means managed by the server of the service provider.  
       [0031] As a result, even when, for example, a user&#39;s phone number is changed after the user registers into this system, it is not necessary to inform the respective service providers of the above change.  
       [0032] Each of the charge payment systems can comprise: means for displaying a language selection screen provided with a message and a select button requesting selection of a specified language, on the user&#39;s terminal; and means for representing at least a bill for the user in the language selected by the user when information for selecting the specified language is supplied from the terminal.  
       [0033] As a result, even when a user uses a language other than Japanese as his or her mother tongue, the user can use this system effectively. Needless to say, it is preferable that the system comprises means for representing various messages sent to a user terminal, as well as a bill and a payment sheet, in a language selected by a user. 
     
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
     [0034]FIG. 1 is an image view showing the whole structure of a charge payment system according to the invention;  
     [0035]FIG. 2 is a block diagram showing the hardware structure of a center server and a terminal;  
     [0036]FIG. 3 is a block diagram showing the functional structure of the charge payment system when a user, who is not registered, newly performs a user registration into this system;  
     [0037]FIG. 4 is a flow chart showing the processing procedure when a user, who is not registered, newly performs a user registration into this system;  
     [0038]FIG. 5 is a layout view showing a new registration form;  
     [0039]FIG. 6 is an explanatory view showing an example of the data items set in the user database;  
     [0040]FIG. 7 is a block diagram showing the functional structure of the charge payment system when a user pays various fees using this system;  
     [0041]FIG. 8 is a flow chart showing the processing procedure when a user pays various fees using this system;  
     [0042]FIG. 9 is a layout view showing the structural example of a payment object selection screen;  
     [0043]FIG. 10 is a layout view showing the structural example of an authentication screen;  
     [0044]FIG. 11 is a layout view showing a list of the electricity bills shown on a display;  
     [0045]FIG. 12 is a layout view showing one example of the payment sheet;  
     [0046]FIG. 13 is a layout view showing a list of all the bills for a user shown on a display;  
     [0047]FIG. 14 is a block diagram showing the functional structure of the charge payment system when directly paying cash through a terminal;  
     [0048]FIG. 15 is a flow chart showing the processing procedure when directly paying cash through a terminal;  
     [0049]FIG. 16 is a layout view showing a list of the whole bills as for a user shown on a display;  
     [0050]FIG. 17( a ) is a layout view showing an example of an amount confirmation screen;  
     [0051]FIG. 17( b ) is a layout view showing an example of a payment method selection screen;  
     [0052]FIG. 18 is a block diagram showing the functional structure of the charge payment system when paying the amount billed by using a credit card, a pre-paid card, or a debit card from a terminal;  
     [0053]FIG. 19 is a flow chart showing the processing procedure when paying the amount billed by using a credit card from a terminal;  
     [0054]FIG. 20 is a block diagram showing the functional structure of the charge payment system when paying the amount billed by transfer through a bank account from a personal computer;  
     [0055]FIG. 21 is a block diagram showing the functional structure of the charge payment system when changing the registered information of a user;  
     [0056]FIG. 22 is a flow chart showing the processing procedure when changing the registered information of a user; and  
     [0057]FIG. 23 is a layout view showing a language selection screen shown on a display of a terminal. 
    
    
     BEST MODE FOR CARRYING OUT THE INVENTION  
     [0058]FIG. 1 is a view showing the whole image of a charge payment system  10  according to the invention, which comprises a center server  12  managed by an operator of this system, a terminal  16  provided in a convenience store  14 , a host computer  17  managed by a credit card company, a local server  18  managed by various service providers (an electric power company, a gas company, a local government, a telephone company, and the like), a host computer  19  managed by a pre-paid card company, a host computer  67  managed by a financial institution such as a bank, and a personal computer  44  and a portable phone  47  managed by a user.  
     [0059] The center server  12  is formed by a computer system such as a main frame and a work station, and as illustrated in FIG. 2, it comprises a CPU  20  and a RAM  22 , a ROM  23 , a hard disk  24 , a communication interface  25  and the like connected to the CPU  20  through a system bus  21 .  
     [0060] The terminal  16  is formed by a computer system like a personal computer, and it comprises a CPU  26  and a RAM  28 , a ROM  29 , a hard disk  30 , a communication interface  31 , a touch panel display  32 , an issuing unit  33 , a cash handling unit  34 , a network interface  35 , a pre-paid card reader  38 , a credit card reader  39 , a debit card reader  68  and the like connected to the CPU  26  through a system bus  27 .  
     [0061] A POS register terminal  36  and a printer  37  provided in the convenience store  14  are connected to the terminal  16  over a LAN through the network interface  35 .  
     [0062] The center server  12  is connected to the terminal  16  through the respective communication interfaces  25  and  31  and a communication line on a network.  
     [0063] The local server  18  is formed by a computer system such as a work station, and it comprises a CPU and a RAM, a ROM, a hard disk, a communication interface and the like connected to the CPU through a system bus, though they are not illustrated. The local server  18  is connected to the center server  12  through this communication interface and communication line on a network.  
     [0064] The respective service providers are under contract for business collaboration to the operator of this system in advance.  
     [0065] The host computer  17  of the credit card company, the host computer  19  of the pre-paid card company, and the host computer  67  managed by the financial institution are formed by a computer system such as a main frame, and each of these host computers  17 ,  19 ,  67  comprises a CPU and a RAM, a ROM, a hard disk, a communication interface and the like connected to the CPU through a system bus although they are not illustrated. Each host computer  17 ,  19 ,  67  is connected to the center server  12  through the communication interface and communication line on a network.  
     [0066] The personal computer  44  managed by the user comprises a CPU and a RAM, a ROM, a hard disk, a communication interface (modem and TA) and the like connected to the CPU through a system bus although they are not illustrated, and the personal computer  44  is connected to the center server  12  through the Internet on a network by the dialup connection to the Internet service provider (ISP) through this communication interface.  
     [0067] The portable phone  47  managed by a user has a function of an Internet connection, for example, like the i-mode (registered trademark) of the NTT Docomo, and a dedicated browser program. The portable phone  47  is connected to the center server  12  through a packet exchange network of the communication carrier, a gateway server, and the Internet, on a network.  
     [0068] In order to make a payment of various fees through this charge payment system  10 , a user has to complete the user registration in the system in advance.  
     [0069]FIG. 3 is a block diagram showing the functional structure of the charge payment system  10  when completing a new user registration in this system  10 . The center server  12  comprises a referring unit  40 , a user information registration unit  41 , and a user database  42 .  
     [0070] The referring unit  40  and the user information registration unit  41  can be realized by the CPU  20  of the center server  12  executing the predetermined processing according to the OS and the dedicated program.  
     [0071] The user database  42  is stored in the hard disk  24  of the center server  12 .  
     [0072] The processing procedure when completing a new user registration of a user who is not yet registered will be explained, according to the flow chart of FIG. 4.  
     [0073] A user enters a predetermined URL from the web browser program running on the user&#39;s personal computer  44  and gains access to the web site of the center server  12  through the Internet  45 . Then, the user selects “new user registration” from a service menu displayed on the user&#39;s personal computer screen.  
     [0074] Upon receipt of the above (S 10 ), the center server  12  sends a “new registration form”  46 , such as the example shown in FIG. 5, with some data items to be filled in for registration, to the user&#39;s personal computer  12  (S 12 ), and asks the user to enter the “using objects” (service providers) as well as attribute information such as his or her name, secret (personal) identification code, and home telephone number.  
     [0075] After filling in the blank portions of the form described above with the necessary information, the user clicks the “send” button, not illustrated, and then the above input data is sent to the center server  12  through the Internet  45 .  
     [0076] The center server  12  receives the above data (S 14 ), and the referring unit  40  confirms that all the requisite items have been filled (S 16 ). Then, the center server  12  sends the input data to the local servers  18  of the respective service providers selected by the user as the using objects and asks each of the local servers  18  whether the user registration is possible or not (S 18 ).  
     [0077] After confirming that it is providing the service to the user, the local server  18  sends information to the referring unit  40  for asking the center server  12  to receive the charge on behalf of the local server  18 .  
     [0078] Upon receipt of the reply that the registration is possible (S 20 ), the referring unit  40  transmits the input data from the user to the user information registration unit  41 . After associating the attribute information of the user with the using objects of the user, the user information registration unit  41  stores the attribute information and using objects into the user database  42  (S 22 ). FIG. 6 shows an example of the data items set in the user database  42 , where the record of the charges from every service provider is shown together with the phone number, secret identification code, name, address, and the like of the user.  
     [0079] After newly registering a user in the user database  42  as mentioned above, the center server  12  sends the data indicating “completion of user registration” to the respective local servers  18  (S 24 ). Thereafter, the respective service providers can eliminate the user from a bill issuing and mailing list, thereby reducing the cost concerned.  
     [0080] When the referring unit  40  finds some shortage within the data sent from a user, a message inducing the user to enter the information described above again is displayed on the user&#39;s personal computer (S 26 ).  
     [0081] Also when the data of “no corresponding user” is sent from the local server  18  of some service provider (S 20 ), a message inducing the user to select the using object again is displayed on the user&#39;s personal computer (S 26 ).  
     [0082] In the above, the procedure in the case where a non-registered user makes a new user registration from the personal computer  44  through the Internet  45  has been described, but another method than the method described above can be naturally adopted. For example, it is possible to operate the terminal  16  within the convenience store  14  to request the same input form as shown in FIG. 5 on the display  32 , hence to touch the button of the key board shape displayed on the screen to enter the requisite items.  
     [0083] Further, it is possible to gain access to the web site from the portable phone  47  with the function of the Internet connection, such as i-mode (registered trademark) through the Internet  45 , hence to enter the same data while operating the ten-key keyboard of the portable phone  47 .  
     [0084] Alternatively, it is possible to acquire an application sheet with the same input items as the input form  46  of FIG. 5 in a convenience store  14 , fill the necessary items by hand, and then, send it to the system operator via fax or mail, although it is not illustrated. In this case, on the side of the system operator, it is necessary to enter the information filled by the user using a keyboard and the like and store it into the user database  42  through the user information registration unit  41 .  
     [0085] The user registered into the system  10  as mentioned above can make a payment of various fees through the terminal  16  provided in the convenience store  14 .  
     [0086]FIG. 7 is a block diagram showing the functional structure of the system  10  when a user actually makes a payment of various fees by using this system  10 , and the terminal  16  includes the touch panel display  32 , a ticket processing unit  48 , and the issuing unit  33 . The ticket processing unit  48  can be realized by the CPU  26  of the terminal  16  executing the predetermined processing based on the OS and the dedicated program. The issuing unit  33  has a mechanism for printing and discharging the necessary information according to an instruction from the ticket processing unit  48 .  
     [0087] The center server  12  includes an authenticating unit  49 , a user database  42 , a bill processing unit  50 , a payment processing unit  51 , and a billing information registering unit  52 . The authenticating unit  49 , the bill processing unit  50 , the payment processing unit  51 , and the billing information registering unit  52  can be realized by the CPU  20  of the center server  12  executing the predetermined processing based on the OS and the dedicated program.  
     [0088] The local server  18  of a service provider includes a billing information sending unit  53 , a billing information database  54 , and a billing information update unit  55 . The billing information sending unit  53  and the billing information update unit  55  can be realized by the CPU of the local server  18  executing the predetermined processing based on the OS and the dedicated program. The billing information database  54  is stored into the hard disk of the local server  18 .  
     [0089] Although a received money information output unit  56  is illustrated in the drawing, it can be realized by the CPU of the POS register terminal  36  provided in the convenience store  14  executing the predetermined processing based on the OS and the dedicated program.  
     [0090] At least the billing information as for a person registered as a user in the system  10 , of all the users of the corresponding service provider, is stored in the billing information database  54  of the local server  18 . The “billing information” here indicates the amount billed and the bill detail information as for each user in every month.  
     [0091] The billing information stored in the billing information database  54  is periodically sent to the center server  12  by the billing information sending unit  53 .  
     [0092] Upon receipt of this, the center server  12  activates the billing information registering unit  52  to register the data of the respective bills into the corresponding items within the user database  42 .  
     [0093] Next, according to the flow chart of FIG. 8, the processing procedure in the case where a user pays a specific charge through this system will be described.  
     [0094] At first, a user goes to the nearby convenience store  14  and operates the touch panel  32  of the terminal  16  to call a payment object selection screen  57  shown in FIG. 9 on the screen. For example, when pushing the “electricity” button to call a screen of the bill about the electricity charge, the authenticating unit  49  of the center server  12 , receives the request (S 30 ), sends the data for an authentication screen  58  shown in FIG. 10, and asks the user to enter the authentication data (S 32 ).  
     [0095] In reply to this, the user pushes the ten-key keyboard  59  on the touch panel  32  so as to enter the phone number and the secret identification code. Upon receipt of this data (S 34 ), the authenticating unit  49  of the center server  12  retrieves the inputted phone number as a key from the user database  42  and compares the inputted secret identification code with the registered secret identification code so as to perform the user authentication (S 36 ).  
     [0096] In the positive case, the name of the user (e.g., Aida Mitsuo) is taken out from the user database  42  and shown on the display  32  (S 38 ).  
     [0097] The user who has confirmed that his name was displayed without mistake, pushes the “confirm” button. In the center server  12 , having received this confirmation (S 40 ), the bill processing unit  50  extracts the bill (not paid) of the electricity charges stored in the user database  42  and sends it to the terminal  16  (S 42 ).  
     [0098] As a result, as illustrated in FIG. 11, the bill of the electricity charges is displayed as a list on the display  32 . In the case shown in FIG. 11, the user (Aida Mitsuo) has not paid his electricity charges for two months as of June 7.  
     [0099] In the embodiment shown in FIG. 11, when the user wants to check the contents of the bill, he has to push the “print” button for the bill in each month. In the center server  12 , upon receipt of this printing request (S 44 ), the bill processing unit  50  extracts the bill detail data within the user database  42  and sends this data to the ticket processing unit  48  of the terminal  16  (S 46 ). The issuing unit  33  prints out the bill, not illustrated, according to the printing instruction from the ticket processing unit  48  (S 48 ).  
     [0100] After checking this bill and confirming that there is no mistake, the user pushes the “print” button of the payment form. Upon receipt of the payment form printing request (S 50 ), the bill processing unit  50  extracts the necessary data from the user database  42 , sends it to the ticket processing unit  48 , and makes the issuing unit  33  print out a payment sheet  60  shown in FIG. 12 (S 52 ). In the bottom of the payment sheet  60 , there is shown a bar code  61  corresponding to the code number and the amount information of the bill.  
     [0101] The user carries the payment sheet  60  to the POS register terminal  36  of the convenience store  14  and hands in the payment sheet  60  together with the money for the indicated amount. A shop clerk of the convenience store  14  reads out the bar code  61  of the payment sheet  60  with a bar code reader  36   a  of the POS register terminal  36  and enters the actually paid amount using the keyboard. The payment information is sent to the center server  12  through the received money information output unit  56  of the POS register terminal  36 .  
     [0102] Upon receipt of the received money information (S 54 ) in the center server  12 , the payment processing unit  51  confirms that the amount billed agrees with the amount for the received money, and then, registers the information indicating the charge has been paid into the user database  42 , associated with the corresponding bill (S 56 ).  
     [0103] Simultaneously, the payment processing unit  51  sends the data indicating that the payment for the corresponding bill has been completed, to the local server  18  (S 58 ). In the local server  18 , upon receipt of this payment completion notification, the billing information update unit  55  adds the information indicating that the bill has been paid, to the corresponding bill stored in the billing information database  54 .  
     [0104] Later, the amount determined by subtracting the necessary charge from the amount paid in the convenience store  14  will be transferred to the corresponding service provider from the system operator.  
     [0105] Instead of paying the amount billed in cash as mentioned above, the payment can be naturally made by using a credit card, a pre-paid card, and other types of electronic money transfer.  
     [0106] Although an example of a user&#39;s selecting the service providers individually from the payment object selection screen  57  has been shown in the above, it is also possible to display all the bills for the user.  
     [0107] Namely, when pushing the “confirm the bill” button in the screen of FIG. 9, after completion of the authentication procedure in the authenticating unit  49 , the bill processing unit  50  retrieves the user database  42  to extract all the bills (not paid) concerned with the user.  
     [0108] This extracted result is sent to the terminal  16  and shown on the display  32  in a list form as illustrated in FIG. 13.  
     [0109] Since all the bills (not paid) for the user at the current point are listed, the user can select the payment object at this time after checking the validity and the amount of each bill. Needless to say, it is possible to print out the same specification (bill detail) as the above by pushing the “print” button shown in the specification (bill detail) column of each bill.  
     [0110] The user who has selected the specific payment object can push the “print” button shown in the payment sheet of the corresponding bill and print out the payment sheet  60 , so as to accomplish the payment according to the same procedure as the above.  
     [0111] As mentioned above, instead of printing out the payment sheet  60  corresponding to each bill and paying the money for the amount billed at the cash register in the convenience store  14 , it is also possible to directly pay the money through the terminal  16 .  
     [0112]FIG. 14 is a block diagram showing the functional structure in this case, and the terminal  16  includes a touch panel display  32 , a cash handling unit  34 , and a received money processing unit  62 . The received money processing unit  62  can be realized by the CPU  26  of the terminal  16  executing the predetermined processing according to the OS and the dedicated program. The cash handling unit  34  includes a sensor for reading out the amount of the bills and the coins inserted into the money slot, a function of supplying the money information read-out to the received money processing unit  62 , and a function of discharging change from a return slot according to an instruction from the received money processing unit  62 .  
     [0113] The center server  12  has the authenticating unit  49 , the user database  42 , the bill processing unit  50 , the payment processing unit  51 , and the billing information registering unit  52 , similarly to the center server  12  described above.  
     [0114] Further, the local server  18  of a service provider also has the billing information sending unit  53 , the billing information database  54 , and the billing information update unit  55  similarly to the local server  18  described above.  
     [0115] Next, the processing procedure in the case where a user pays some of the charges will be described according to the flow chart of FIG. 15. Also in this case, since the processing procedure up to the user authentication processing and the processing of the detail information is identical to the processing procedure described above in steps S 30  to S 48  in FIG. 8, the overlapped description is omitted here.  
     [0116] When a user completes the authentication procedure, a list of the bills shown in FIG. 16 appears on the display  32 . Namely, the column of payment is provided instead of the column of the payment sheet, and the “select” button is provided instead of the “print” button, for the respective bills.  
     [0117] As for any bill of the list, when pushing the “select” button to select the payment object (S 60 ), the bill processing unit  50  sends a message, asking the user to confirm the selected bill and its amount, to the terminal  16  (S 61 ), and a confirmation screen  63  shown in FIG. 17( a ) appears on the display  32 . At this time, when the user selects a plurality of bills, the bill processing unit  50  calculates the total amount of the respective bills and displays the calculation result on a screen as illustrated.  
     [0118] When the user pushes the “confirm” button, the screen turns to a payment method selection screen, as illustrated in FIG. 17( b ), asking the user to select the payment method. Here, when the user touches the “cash” button, a message asking the user to enter the cash into the money slot of the terminal  16  appears on a screen together with the cash entering image, although it is not illustrated.  
     [0119] According to this, the user enters bills or coins into the cash slot provided in the cash handling unit  34  of the terminal  16 , the sensor of the cash handling unit  34  reads out the entered amount (S 62 ) and supplies the amount information to the received money processing unit  62 . In the received money processing unit  62 , whether the entered amount is beyond the total amount or not is checked (S 63 ). When it is beyond the total amount, the unit  62  issues a change discharging instruction to the cash handling unit  34 , so as to discharge the necessary change from the return slot of the terminal  16  (S 64 ), and supplies the received money information to the payment processing unit  51 . Needless to say, also when the entered amount and the total amount are in accord, the unit  62  supplies the received money information to the payment processing unit  51 .  
     [0120] Upon receipt of the received money information (S 65 ), the payment processing unit  51  confirms that the received amount agrees with the billed amount, and then, it registers the paid article information into the user database  42  (S 66 ).  
     [0121] Simultaneously, the payment processing unit  51  sends the data indicating that the payment for the corresponding bill has been made, to the local server  18  (S 67 ). Upon receipt of this data, in the local server  18 , the billing information update unit  55  adds the information that the bill stored in the billing information database  54  has been paid to the data.  
     [0122] Also in this case, later, the amount determined by subtracting a necessary charge from the amount paid through the terminal  16  will be transferred to the corresponding service provider from the system operator.  
     [0123] When the money a user entered is less than the necessary amount, needless to say, a message to this effect appears on the display  32 , inducing the user to enter the additional amount of money (S 68 ).  
     [0124] Instead of directly paying the money through the terminal  16  as mentioned above, it is also possible to make a payment by using a credit card, a pre-paid card, and a debit card.  
     [0125]FIG. 18 is a block diagram showing the functional structure in this case, and the terminal  16  includes the touch panel display  32 , a credit card reader  39 , a pre-paid card reader  38 , and a debit card reader  68 . Each of the credit card reader  39 , the pre-paid card reader  38 , and the debit card reader  68  has a sensor for reading out the card information recorded in the card and supplying it outward.  
     [0126] The center server  12  includes the authenticating unit  49 , the user database  42 , the bill processing unit  50 , a card payment processing unit  66 , and the billing information registering unit  52 . The card payment processing unit  66  can be realized by the CPU of the center server  12  executing the predetermined processing according to the OS and the dedicated program.  
     [0127] The local server  18  of a service provider includes the billing information sending unit  53 , the billing information database  54 , and the billing information update unit  55 , similarly to the local server  18  described above (they are not illustrated).  
     [0128] The processing procedure in the case where a user pays the charge by a credit card will be described according to the flow chart of FIG. 19. Also in this case, since the processing procedure up to the user authentication processing and the processing of the detail information is identical to the processing procedure described above in steps S 30  to S 48  in FIG. 8, the overlapped description is omitted here.  
     [0129] When a user completes the authentication procedure, a list of the bills shown in FIG. 16 appears on the display  32 . As for any bill of the list, when pushing the “select” button to select the payment object (S 70 ), the bill processing unit  50  sends a message asking the user to confirm the selected bill and its amount, to the terminal  16  (S 71 ), and then, the confirmation screen  63  shown in FIG. 17( a ) appears on the display  32 .  
     [0130] When the user pushes the “confirm” button, the screen turns to the payment method selection screen, as illustrated in FIG. 17( b ), asking the user to select the payment method. Here, when the user touches the “credit card” button, a message asking the user to enter a credit card into a credit card slot of the terminal  16  appears on a screen together with the card inserting image, although it is not illustrated.  
     [0131] According to this, the user enters the credit card into the credit card slot of the terminal  16 , the sensor of the credit card reader  39  reads out the card information such as the card number and the validity recorded in the card (S 72 ) and supplies this card information to the card payment processing unit  66 .  
     [0132] Upon receipt of this, the card payment processing unit  66  sends the credit card information and the payment amount information to the computer system  17  of a credit card company, so as to check whether the payment by credit card is permitted or not (S 73 ). When receiving the payment completion information from the computer system  17  (S 74 ), the card payment processing unit  66  registers the information that the bill has been paid, into the user database  42  (S 75 ).  
     [0133] Simultaneously, the card payment processing unit  66  sends the data indicating that the payment for the corresponding bill has been completed, to the local server  18  (S 76 ). In the local server  18 , upon receipt of data, the billing information update unit  55  adds the information that the bill has been paid, to the corresponding bill stored in the billing information database  54 .  
     [0134] In this case, later, the payment amount will be transferred from the credit card company to the operator of the system  10 . The amount determined by subtracting a necessary charge from this amount will be transferred to the corresponding service provider from the system operator.  
     [0135] When the payment by a credit card is rejected due to the expiration of the credit card, a message requesting a user to select another payment means is sent to the terminal  16  (S 77 ). The user can continue the payment procedure by means of cash, a pre-paid card, a debit card, or a credit card of another company.  
     [0136] Also when a user selects the payment by a pre-paid card, since the payment procedure is performed in the substantially same procedure as in the case of the above credit card payment, the description will be hereafter made mainly about the characteristic points of the pre-paid card payment.  
     [0137] At first, when a user touches the “pre-paid card” button in the payment method selection screen, such as that shown in FIG. 17( b ), to select the pre-paid card payment, a message asking the user to insert a card into a pre-paid card slot of the terminal  16  appears on a screen together with the card inserting image.  
     [0138] When a user inserts a pre-paid card into the pre-paid card slot of the terminal  16  according to the above, the sensor of the pre-paid card reader  38  reads out the information such as the card number and the like recorded in the card and supplies it to the card payment processing unit  66 .  
     [0139] Upon receipt of this information, the card payment processing unit  66  sends the card information and the payment amount information to the computer system  19  of the pre-paid card company, so as to check whether the payment by a pre-paid card is permitted or not. When receiving the payment completion information from the computer system  19 , the card payment processing unit  66  registers the information that the bill has been paid into the user database  42 .  
     [0140] Simultaneously, the card payment processing unit  66  sends the data indicating that the payment for the corresponding bill has been completed, to the local server  18 . In the local server  18 , upon receipt of this data, the billing information update unit  55  adds the information indicating that the bill has been paid, to the corresponding bill stored in the billing information database  54 .  
     [0141] In this case, later, the payment amount will be transferred from the pre-paid card company to the operator of the system  10 . The amount determined by subtracting a necessary charge from this amount will be transferred to the corresponding service provider from the system operator.  
     [0142] When the payment by the pre-paid card is rejected due to insufficient funds, a message asking the user to select another payment means is sent to the terminal  16 . The user can continue the payment procedure by means of cash, a credit card, another pre-paid card, or a debit card.  
     [0143] Also, when a user selects the payment by a debit card, since the payment procedure will be performed in the substantially same procedure as in the case of the above mentioned credit card payment and pre-paid card payment, the description will be hereafter made mainly about the characteristic point of the debit card payment.  
     [0144] At first, when the user touches the “debit card” button in the payment method selection screen of FIG. 17( b ) to select the debit card payment, a message asking the user to insert the card into a debit card slot of the terminal  16  and to enter the secret identification code appears on a screen together with the card inserting image.  
     [0145] When the user inserts the debit card into the debit card slot of the terminal  16  according to this procedure, the sensor of the debit card reader  68  reads out the information such as the card number and the like recorded in the card and supplies it to the card payment processing unit  66 . When the user enters the secret identification code (e.g., numeric values of four digits and the like) from the touch panel  32 , it is sent to the card payment processing unit  66  through the bill processing unit  50 .  
     [0146] Upon receipt of this information, the card payment processing unit  66  sends the card information, the payment amount information, and the secret identification code to the computer system  67  of a bank for the corresponding debit card, so as to check whether the payment by the card is permitted or not. When receiving the payment completion information from the computer system  67 , it registers the information that the bill has been paid, into the user database  42 .  
     [0147] Simultaneously, the card payment processing unit  66  sends the data indicating that the payment for the corresponding bill has been completed, to the local server  18 . In the local server  18 , upon receipt of this data, the billing information update unit  55  adds the information indicating the bill article stored in the billing information database  54  has been paid, to the data.  
     [0148] In this case, the payment amount will be transferred from the bank to the operator of the system  10 . The amount determined by subtracting a necessary charge from this amount will be transferred to the corresponding service provider from the system operator.  
     [0149] When the payment by a debit card is rejected due to insufficient funds in the account or a disagreement between the secret identification codes, a message asking the user to select another payment means is sent to the terminal  16 . The user can continue the payment procedure by means of cash, a credit card, a pre-paid card, or another debit card.  
     [0150] By using this charge payment system  10 , a user can confirm the number of bills and the time-limit of payment issued by the respective service providers and make a payment by the lump-sum in the convenience store  14 .  
     [0151] It is needless to say that a user can gain access to the web site of this system  10  through the Internet  45  from the user&#39;s personal computer  44  or portable phone  47  and that when entering the phone number and the secret identification code and clearing the authentication procedure, the user can confirm the bills and the detail information from the respective service providers any time on a screen.  
     [0152] Further, a user can print out the same payment sheet as shown in FIG. 12 through a printer connected to the personal computer  44 .  
     [0153] In this case, a user may carry the printed payment sheet to the convenience store or the financial institution to pay the indicated amount in cash or by using a credit card or a pre-paid card.  
     [0154] After the payment, the payment processing unit  51  of the center server  12  adds the information that the bill has been paid to the data like as described above.  
     [0155] Alternatively, a user can complete the payment on-line through the Internet, by using a credit card, a pre-paid card, or a debit card.  
     [0156] For example, after selecting the payment object from the list of the bills displayed on the screen of the personal computer  44 , when selecting the credit card payment, the pre-paid card payment, or the debit card payment, a web page asking the user to enter the card information is sent from the center server  12 . In reply to this, when the user returns the necessary information such as the card number and the secret identification code by entering it from the keyboard of the personal computer  44 , the card payment processing unit  66  performs the checking processing on the computer system of the card company or the financial institution, and in the case of a positive information check, the card payment processing unit  66  adds the information indicating the bill has been paid, to the data.  
     [0157] Similarly, a user can gain access to the web site of the center server  12  through the Internet from the portable phone  47 , and after selecting the payment object from the list of the bills shown on the display of the portable phone  47 , the user can accomplish the payment at this web site by entering the credit card number, the pre-paid card number, the debit card number, or the secret identification code from the ten-key keyboard.  
     [0158] Further, a user can complete the on-line payment by paying the amount billed from the account of the financial institution such as a bank.  
     [0159]FIG. 20 is a block diagram showing the functional structure in this case, and the center server  12  includes the authenticating unit  49 , the user database  42 , the bill processing unit  50 , a bank settlement processing unit  69 , and the billing information registering unit  52 . The bank settlement processing unit  69  can be realized by the CPU of the center server  12  executing the predetermined processing according to the OS and the dedicated program.  
     [0160] The local server  18  of a service provider includes the billing information sending unit  53 , the billing information database  54 , and the billing information update unit  55 , similarly to the local server  18  described above (they are not illustrated).  
     [0161] The processing procedure in the case where a user transfers the payment amount into a bank&#39;s account on-line from the personal computer  44  will be described in the following.  
     [0162] At first, after selecting the payment object from the list of the bills displayed on the screen of the personal computer  44 , the user selects the payment through a bank&#39;s account, and then, a web page asking the user to enter the account information is sent from the center server  12  (not illustrated). In reply to this, when the user enters the necessary information such as the bank name, branch name, account number, account type, and the like from the keyboard of the personal computer  44  and submits the information, the bank settlement processing unit  69  performs the checking processing for the computer system  67  of the corresponding bank, and when the positive information check is sent from the computer system  67 , the bank settlement processing unit  69  adds the information indicating that the bill has been paid, to the data.  
     [0163] In this case, later, the payment amount will be transferred from the bank to the operator of this system  10 . The amount determined by subtracting a necessary charge from this amount will be transferred from the system operator to the corresponding service provider.  
     [0164] When the settlement through a bank&#39;s account is rejected due to the shortage of funds in the account and the like, a message asking for another settlement means appears on the screen of the personal computer  44 . In reply to this, the user can complete the payment procedure by means of a credit card, a pre-paid card, or the like.  
     [0165] When the bank account information of a user has been registered into the user database  42  in advance, it is possible to save the trouble described above of entering the bank name, branch name, account number, account type, and the like for each settlement.  
     [0166] Needless to say, a user can pay the amount through a bank&#39;s account on-line from the portable phone  47 , according to substantially the same procedure as the above.  
     [0167] In the above, although the description has been made in the case where a user pays the amount through a bank&#39;s account on-line from the user&#39;s personal computer  44 , naturally it is also possible to complete the payment through a bank&#39;s account by using the terminal  16  provided in the convenience store  14 , according to the same procedure.  
     [0168] Alternatively, the function of the terminal  16  may be built in the ATM of a bank. In this case, since the user authentication and the specification of the account information will be completed by inserting a bankbook or a cash card, or by inputting the secret identification code, allows for greater convenience for the user.  
     [0169] After a user subscribes to this system  10  once, when a change occurs in the registration information (for example, when changing phone numbers), the changing procedure for all the service providers can be completed by performing the changing procedure on the center server  12 .  
     [0170]FIG. 21 is a block diagram showing the functional structure in this case, and the center server  12  includes the authenticating unit  49 , the user database  42 , a user information update processing unit  64 , and a user information update requesting unit  65 .  
     [0171] The user information update processing unit  64  and the user information update requesting unit  65  may be realized by the CPU  30  of the computer forming the center server  12  executing the predetermined processing according to the OS and the dedicated program.  
     [0172] The processing procedure in the case where a user registers a change of his or her phone number will be described according to the flow chart of FIG. 22.  
     [0173] At first, the user gains access to the center server  12  from the terminal  16  provided in the convenience store  14  and selects the “change of user registration information” button from the service menu (not illustrated).  
     [0174] Upon receipt of this change request (S 80 ), the authenticating unit  49  of the center server  12  sends the data for the authentication screen shown in FIG. 11 to the terminal  16 , asking the user to enter the authentication data (S 81 ).  
     [0175] In reply to this request, when the user pushes the ten-key keyboard  59  on the touch panel  32  so as to enter his or her phone number and secret identification code, the authenticating unit  49  of the center server  12 , upon receipt of this information (S 82 ), retrieves the information from the user database  42  with the entered phone number as a key and the user authentication is performed by comparison between the entered secret identification code and the registered secret identification code (S 83 ).  
     [0176] When a positive result is obtained from the user authentication, since a screen for selecting the data item to be changed is displayed (S 84 ), the user enters his or her new phone number.  
     [0177] When the center server  12  receives this change data (S 85 ), the user information update processing unit  64  rewrites the registered information within the user database  42  (S 86 ).  
     [0178] As mentioned above, in case of a change in the registered items within the user database  42 , the user information update requesting unit  65  is activated and the user specifies the service provider whom he or she pays the charge by using this system  10  (S 87 ).  
     [0179] In this case, the information for requesting the change of the phone number data is sent to the local server  18  of the corresponding service provider (S 88 ).  
     [0180] Upon receipt of this information, in the local server  18 , the user information update unit, not illustrated, is activated so as to update the phone number data within the local user database (S 89 ).  
     [0181] As mentioned above, since a user has only to do the update procedure for the center server  12  to complete the update procedure for the respective service providers, this can reduce much of the trouble that would occur when performing individual update procedures.  
     [0182] This update processing of the registered data can be performed by having access to the web site of the center server  12  through the Internet  45  from the user&#39;s personal computer  44  or portable phone  47 .  
     [0183] The location of the above terminal  16  is not restricted to within the convenience store  14 . It may be provided within a supermarket or a department store, a school, a hospital, an administrative institution, or a company.  
     [0184] Further, it is also possible to install the function of this terminal  16  in a ticket-vending machine of a subway station or an ATM of a bank.  
     [0185] In the above, although the description has been made in the case of providing a service to a user in Japanese, it is possible to display a language selection screen on the display of the personal computer  44  or the terminal  16 , and thereafter compose the screen display and the printing by the language selected by the user.  
     [0186]FIG. 23 shows one example of the above, where a language selection screen  70  is shown on the display  32  of the terminal  16 .  
     [0187] In the language selection screen  70 , there is a message group  72  inducing a user to select his or her language, written in Japanese and other languages (e.g., English, Chinese, Korean, Thai, Portuguese, and so on). Further, buttons  74  for selecting the respective languages are shown there.  
     [0188] Here, when a user selects, for example, the “English” button  74 , all the screens will be shown in English, including the payment object selection screen of FIG. 9, the authentication screen of FIG. 10, the list of bills of FIG. 11, the payment sheet of FIG. 12, the list of bills of FIG. 13, the list of bills of FIG. 16, and the billed amount confirmation screen and the payment method selection screen of FIG. 17.  
     [0189] In order to accomplish this, it is necessary to prepare a message form and a sentence for display and a message form and a sentence for printing, which corresponds to each language, and to set up the font set corresponding to each language in advance.  
     [0190] Having described preferred embodiments of the invention with reference to the accompanying drawings, it is to be understood that the invention is not limited to those precise embodiments, and that various changes and modifications may be effected therein by one skilled in the art without departing from the scope or spirit of the invention as defined in the appended claims.  
     [0191] Industrial Applicability  
     [0192] In the payment sheet issuing system and charge payment system according to the invention, since bills from respective service providers are stored in the storing means, associated with respective users, it is possible for a user to confirm various bills for his or her self at once by requesting a display of the bills using the terminal. Therefore, it has the advantage that a user can manage the payment terms and make a payment plan for various kinds of bills easily.  
     [0193] Further, if a user wants to make a payment, the payment sheet copy as for the corresponding bill can be printed and issued at that site from an issuing unit, and therefore, a service provider can save the trouble and the cost of mailing the payment sheets to the respective users. Moreover, advantageously, a user does not have to keep the payment sheet until the due-date for payment.  
     [0194] Alternatively, payment can be completed by inserting cash into the cash handling means, or by providing a function of completing the payment by means of a credit card, a pre-paid card, or a debit card, or through a bank&#39;s account, issue of the payment sheet itself can be saved.