JP2003067661A - Recovery agent system for small amount settlement using point purchase service system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a small amount settlement recovery agent system concluded online and utilizable in common in any WEB sites, in which a small amount settlement is performed readily. SOLUTION: The system is provided with a point issuing means issuing points to an accessing user, a user point information storage means storing information regarding the user, a money amount of purchasing the points, the settlement information and point balance information, a point settlement means receiving settlement request data so as to perform settlement of the user who utilizes respective WEB servers, extracting WEB operator information, user information and settlement money amount data and updating data in the user point information storage means, a settlement money amount recovery agent means having the point settlement means perform the settlement from the point balance and performing a payment settlement processing to a pertinent WEB server operator for a money amount which is a prescribed ratio of the money amount, and a charge money amount settlement means performing a charge payment settlement processing with respect to a cooperating communication company system.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention allows a user to purchase points from a mobile phone or the like using the Internet.
Using this, it can be used for billing processing at other WEB sites affiliated with, and relates to a collection agency system capable of collecting the billing made by another WEB site operator by using prepaid points. .

[0002]

2. Description of the Related Art Conventionally, in the charging process using the Internet, in addition to credit card payment and cash payment, a payment method using a prepaid card or electronic money has been developed. In addition, points that can be converted into money can be used for prepaid cards and electronic money, and various point systems have been developed.

For example, as a technique in such a field, there is JP-A-2001-117984 “electronic settlement system” and the like. This is because the WWW server accepts order data from the customer, including order details and mobile phone numbers,
Create the order confirmation data including the order contents, the amount of money, and the inquiry text as to whether or not to approve the order as character data,
It is sent to the mobile phone company together with the mobile phone number through a communication line. The mobile phone company receives the order confirmation data from the control means, dials the customer's mobile phone from the telephone exchange means according to the instruction of the control means, converts the character data of the order confirmation data into voice by the synthetic voice generation means, and then the mobile phone. Send over the line. If the order is approved, the fee will be added to the charge of the customer's mobile phone by the charge settlement means.

As the above point system, there is, for example, Japanese Patent Laid-Open No. 2001-101533 "User Authentication Point System", which has a writing structure. In electronic commerce over an open network, a method of issuing a digital certificate with authentication information to a legitimate user at a settlement institution, and a point account for opening a point account for each issued digital certificate Opening means, point issuing means for issuing points for the payment amount by the above-mentioned clearing organization, and correctly authenticating the user by presenting an electronic certificate when using at an electronic store that has a contract with the above-mentioned clearing organization, and using it A user authentication point system, comprising point management means for managing points that can receive a discount according to the balance of the point account corresponding to the person.

[0005]

By the way, in the case where the mobile phone company is directly involved in the settlement process for charging as in the above-mentioned Japanese Patent Laid-Open No. 2001-117984, the user is in connection with the billing of the communication fee. Since there is no billing / settlement processing, there are no minor problems. For example, NT
This is the case for the "official site" of the i-mode (trademark) service provided by T Docomo (trademark). By the way, at so-called "unofficial websites" that open and operate WEB sites that are not directly related to communication companies such as mobile phone companies, it is not possible to perform such charging / settlement processing and There is the inconvenience of having to set up a payment method. On the other hand, many of these sites are popular, and the number of them is huge, and it is inconvenient for the users to have their own billing / settlement means.

[0006] In the case of independently adopting credit card or other payment, particularly in the case of small amount payment, the fee for the charge is large, and for small WEB site operators, membership in credit card payment, There are also difficulties in terms of fees, costs, labor, membership conditions, and other aspects. On the other hand, in the case of prepaid type electronic money, there is the inconvenience of purchasing it at an actual store such as a convenience store, or the above-mentioned JP 20
There are difficulties in joining a financial company that is an electronic money issuer, such as 01-101533, and in terms of costs, labor, joining conditions, and other aspects in terms of fees. Therefore,
Complete online, you can easily make small payments,
There was no small payment / collection agent system that could be used in common on any WEB site.

Therefore, in order to solve the above-mentioned various problems, the present invention is a system of small payment and collection agency which can be completed online and can easily carry out small payment, and can be commonly used in any WEB site. The purpose is to provide. Further, by providing a means for paying a fee to a telecommunications company such as a mobile phone company, the tie-up with the telecommunications company can be facilitated and the system of the present invention can be popularized.
It is also an object to provide a system that can be easily used by any user on the EB site. Also each WE
Input into the payment request data sent from the B server for payment of the user using the WEB server.
If the information about the user such as the transmitted authentication information is included, the received payment request data is collated with the information about the user such as the authentication information stored in the user point information storage means. This will prevent "spoofing" and other fraud when making point payments.

[0008]

In order to solve the above problems, in the invention described in claim 1, access is performed from a communication terminal such as a mobile phone via the Internet,
A server system in which information processing is performed by a user's operation, and a plurality of WEB servers provided for connection via the Internet and a communication company system for enabling connection to the Internet using a mobile phone or the like are linked. Is provided so that information processing is performed, and in the server system, a point issuing means for issuing a point in exchange for a settlement process by a user who has accessed, information about the user for each user, User point information storage means for storing point purchase information and point balance information for storing the amount of purchase of points by the user and settlement information thereof, and WEB operator memory for storing information about the operator of the WEB server to cooperate with. From each method and each WEB server, payment of the user using the WEB server Receiving the settlement request data to Utame, from the settlement request data has been received, WEB operator information,
Point settlement means for extracting user information and payment amount data, and updating data stored in the corresponding user point information storage means based on the extracted data, and point balance information stored in the user point information means And the payment amount data included in the payment request data received from each WEB server, and when the point payment means makes a payment from the point balance, the amount indicated by the payment amount data or the amount. A predetermined percentage of
A payment amount collection agent that performs payment settlement processing from the server system to the corresponding WEB server operator, and the amount of money that the user purchased points, the amount indicated by the payment amount data, or a predetermined percentage of the amount. Is provided with a fee amount settlement means for performing a fee payment settlement process for a cooperating telecommunications company system.

In order to solve the above-mentioned problems, a second aspect of the present invention is provided.
In the invention according to claim 1, in the invention according to claim 1, when the user makes a payment request at any of the WEB servers, the user such as the authentication information stored in the user point information storage means. The user such as the authentication information input / transmitted in the payment request data for inputting / transmitting the information regarding the payment request for the payment of the user using the WEB server, which is transmitted from each WEB server. Since the server system includes the information about the user, the server system performs the authentication process by collating the received payment request data with the information about the user such as the authentication information stored in the user point information storage unit, The point settlement means performs a process of updating data stored in the user point information storage means. It is characterized by a collection agency system described.

In order to solve the above-mentioned problems, a third aspect of the present invention is provided.
In the invention according to claim 2, in the invention according to claim 2, when the user makes a settlement request at any of the WEB servers, the user such as the authentication information stored in the user point information storage means. In the process of inputting / transmitting information related to a user and requesting payment, input of information related to the user such as authentication information is performed by authentication stored in a memory, an IC card, or another storage medium provided in a communication terminal such as a mobile phone. The collection agent system according to any one of claims 1 and 2, which is a process for reading out information about a user such as information.

Further, in order to solve the above-mentioned problems, a fourth aspect of the present invention is provided.
In the invention according to claim 1, in the invention according to any one of claims 1 to 3, the settlement amount collecting agent means sends the amount indicated by the settlement amount data or a predetermined percentage of the amount from the server system to the corresponding WEB. The process of performing payment settlement processing for a server operator is characterized in that payment settlement processing for a plurality of settlement processing including settlement amount data of a plurality of users in a predetermined period is performed every predetermined period. The collection agent system according to any one of Items 1 to 3 is characterized.

Further, in order to solve the above-mentioned problems, a fifth aspect of the present invention is provided.
In the invention according to claim 1, in the inventions according to claims 1 to 4, the fee amount settlement means is the amount of money purchased by the user, or the amount indicated by the settlement amount data or a predetermined ratio of the amount. The process of performing the fee payment settlement process for the linked telecommunications company system is to perform the fee payment settlement process for the point purchase amount or settlement amount data of a plurality of users for each predetermined period in a predetermined period. The recovery agent system according to any one of claims 1 to 4, characterized in that.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a system configuration diagram showing the basic configuration of the system of the present invention. Collection agent system of the present invention A server system in which a communication terminal such as a mobile phone is accessed via the Internet and information processing is performed by a user's operation, and a plurality of WEBs connectable via the Internet are provided. It is provided to perform information processing in cooperation with a server and a communication company system that enables connection to the Internet using a mobile phone or the like. The communication company system includes a WEB server, a gateway system, and other systems provided by a communication company such as a mobile phone company. The plurality of WEB servers that cooperate with the system of the present invention include the WEB server of the Internet service provider and the WEB server provided to the person who opens and operates the WEB site by rental or the like. WEB
The contents of the site may include sales of goods and services, sales of contents and data, and various other contents, and may include anything that is charged.

As a user terminal for connecting to the server system of the present invention, a wireless communication terminal such as a mobile phone equipped with a browser function capable of connecting to the Internet or the like, and a mobile information terminal are mainly assumed. In addition, the appendix includes computer terminals such as personal computers and workstations, Internet TVs, game machines, video conferencing systems, and other appliances such as home appliances equipped with a network connection function. The user terminal includes a control unit, a storage unit, an input unit, an output unit, a display unit, and the like. Further, it is a usual form to have a function of connecting to a computer network typified by the Internet and transmitting and receiving data, and having an application program such as a browser and electronic mail software, and an operating system (OS).

Next, the server system 1 of the present invention is usually composed of an application server, a database server, an authentication server, a WEB server, other mail server if necessary, and other various devices.
Each of these servers includes a form physically provided in the same device, a form physically composed of a plurality of devices, a form physically composed of a plurality of devices connected through a network, and the like. If similar functions are realized, various forms are included. The storage system, the control means, the input means, the output means, the display means and the like are provided by being connected to the server system of the present invention. CPU, RAM, R
A data transmission / reception means for transmitting / receiving data to / from a client computer, a control means for the system such as an OM, a retrieval means for retrieving data on a database in response to a request from the client computer, an HDD for storing data, etc. Storage means, an output means for outputting data, a display means such as a CRT or a liquid crystal display necessary for performing maintenance of a server computer or a database, an input means such as a keyboard, and the like.

The server system described above includes a point issuing means for issuing points by the accessing user in exchange for payment processing by money. The point issuing means receives, from the user terminal, means for receiving purchase request data for purchasing points that can be converted into money in the prepaid system, and information about the user such as the user's name, email address, and payment method. Then, the means for storing and extracting in the user point information storage means, the means for extracting and storing the purchase price included in the purchase request data in the user point information storage means, and the purchase price included in the purchase request data. A means for issuing point data that can be used as corresponding points and storing it in the user point information storage means, and a user ID for receiving user authentication at each WEB site when using points, as necessary. It is provided with means for issuing authentication information such as a password, storing it in the user point information storage means, and transmitting it to the user terminal.

Next, the server system, for each user, information about the user, point purchase information that stores the amount of money that the user purchased points and settlement information thereof, and user point information that stores point balance information. It is equipped with storage means. It is storage means such as a database server for storing personal information such as name, date of birth, age, electronic mail address, authentication information such as ID and password, and other information described above. As for point purchase information, point usage information, point balance information, etc., data is stored and accumulated each time additional points are purchased or points are used on each WEB site.
Will be updated.

Next, the server system is provided with a WEB operator storage means for storing information about an operator of a linked WEB server that opens / operates each WEB site. The system of the present invention is a W that opens and operates a WEB site for terminals such as mobile phones that can browse the WEB site.
EB server operators (including users of WEB server of Internet service providers, and those who open and operate WEB sites by renting WEB servers, etc.) are provided with a charging means (especially small fee). is there. The name, date of birth, age, e-mail address, etc. regarding the operator of the linked WEB server in order to collect the system usage fee of the present invention, manage the data related to the linked WEB server operator, and perform various communications. It is a storage means such as a database server for storing and managing personal information, authentication information such as ID and password, and other information.

Next, the system of the present invention includes a WEB server that stores content data and programs to be accessed from the customer terminal. The content data stored in the WEB server include data files displayed on the WEB such as HTML files and XML files, and data files displayed on mobile phones such as C-HTML files that can access the WEB site. Is included. Also, character data files that are displayed or output by being inserted into these files,
It is possible to store audio data files, image data files, moving image data files, animation data files, and various other content data. The content includes an input / transmission form for the user to purchase points, a system description such as point purchase / use / fee, and others.

The program stored in the WEB server includes a program for searching / extracting data stored in a database in response to a search request from a user terminal,
A program for generating the extracted data as an HTML file or the like that can be displayed on the WEB, a program for storing data such as a purchase application sent from the user terminal in a database, an input means or a computer network connected to the server system. A program for transmitting / receiving / storing data input / output via the Internet, a program for transmitting an electronic mail from a file on the WEB,
Other programs may be included.

Next, in the server system, from the plurality of WEB servers which cooperate with the system of the present invention, the W
The payment request data is received in order to settle the user using the EB server, and from the received payment request data,
A point settlement means is provided for extracting the WEB operator information, the user information and the payment amount data, and updating the data stored in the corresponding user point information storage means based on the extracted data. The settlement request data received includes data from which linked WEB site, user ID and other information about the user, purchase amount, purchase item, payment due date and deadline, and other data.

Next, the server system uses the point balance information stored in the user point information means and each WEB.
When the point payment means makes a payment from the point balance by comparing with the payment amount data included in the payment request data received from the server, the amount indicated by the payment amount data or a predetermined ratio of the amount. The payment amount collection agent means for performing payment settlement processing from the server system to the corresponding WEB server operator.
For example, if the user purchases a product of 10,000 yen and the payment amount of the user is 10,000 yen, a predetermined ratio is calculated, and the calculated, for example, 8500 yen is applied from the server system to the corresponding WEB server operator. The payment settlement process is performed on the. Specifically, data indicating the calculated amount of money is stored in the WEB operator information storage means, and 1
It is a means for calculating the total amount of money for each month and storing data and programs for storing and managing the amount of money to be paid.

Next, the server system processes the amount of money purchased by the user, the amount indicated by the settlement amount data, or a predetermined percentage of the amount, into a fee payment settlement process for the associated communication company system. Equipped with a means to settle fees. For example, if a user purchases an item (or points) of 10,000 yen, and the payment amount of the user is 1
In the case of 0000 yen, a predetermined ratio is calculated, and the calculated payment of, for example, 500 yen is performed by the server system for the fee payment settlement process to the corresponding communication company. Specifically, the data indicating the calculated fee amount is stored, the total amount for each month or the like is calculated, and the data and the program for storing and managing the amount to be paid to the corresponding communication company are stored. It is a means.

The basic processing flow of the present invention will be described below. 2 to 6 are flowcharts showing an example of the basic processing flow of the present invention. Note that the processing flow shown here is an example, and the present invention is not limited to this. First, the process of purchasing points from the user terminal will be described with reference to FIG.

By connecting to the Internet from the user terminal (S100), inputting the URL and other methods, the server system of the present invention (WEB such as point purchase site)
(S101). When the point purchase menu is selected (S102), the content data such as the input / transmission form is transmitted to the user terminal and displayed (S103). In the user terminal, information about the user such as the user's name, e-mail address, and payment method is input (S104) and transmitted. The transmitted data is received by the server system and received (S10
5) The received user information is stored in the user point information storage means (S106). Authentication information such as the user ID and password is issued, stored in the user point information storage means, and transmitted to the user terminal (S107).

Next, in the user terminal, purchase request data such as the point purchase amount is input (S108) and transmitted to the server system. The transmitted data is received by the server system (S109). In addition,
Payment for purchasing points can be made by various methods such as credit card payment, cash payment, electronic money payment and the like. In addition, in response to a point purchase request, the user can be checked by referring to past payment history and the like. Next, point data is issued, the issued point data is added, the user point information storage means stores and updates the balance (S110), and the user point information storage means stores it (S111). With the above, the point issuing process is completed, and the updated point balance data and the like are transmitted to the user terminal for notification (S11).
2).

Next, with reference to FIGS. 3 and 4, when the user makes a payment request at any of the WEB servers, the user such as the authentication information stored in the user point information storage means. A process for inputting / transmitting information regarding and making a payment request will be described. A user terminal connects to the Internet (S200) and accesses any WEB server that cooperates with the system of the present invention (S200).
201). As described above, a plurality of WEB servers that cooperate with the system of the present invention are WEB servers of Internet service providers, rental of WEB servers, and the like.
Includes a WEB server provided to those who open and operate the B site. The contents of the WEB site may include sales of goods and services, sales of contents and data, and various other contents, and may include anything that is charged.

The user can perform browsing processing, search processing, etc. (S202). When using the charging menu for product purchase, service purchase, usage, etc., the user selects the charging menu and purchase / use application processing. (S203). Depending on the WEB site, various charging processing methods may be adopted, and if the system of the present invention (point charging / collecting agent) is not used (S204), the processing proceeds to another charging processing. When using the system of the present invention, input /
When a transmission form or the like is displayed on the user terminal (S20
5) Perform the following processing.

Authentication information such as the user's ID is input at the user terminal (S206), transmitted to the affiliated WEB site, and received at the affiliated WEB server (S20).
7) is stored. Next, in the affiliated WEB server, the user authentication information, the purchase amount and other settlement request data are extracted and transmitted to the server system of the present invention (S2).
08), the transmitted data is received by the server system (S209). When the server system receives the information about the user such as the authentication information input / transmitted, the settlement request data transmitted from each WEB server for settlement of the user using the WEB server is received. The point settlement means is stored in the user point information storage means through an authentication process by collating the settlement request data with the information about the user such as the authentication information stored in the user point information storage means. Perform the process to update the data.

Information about the user such as the authentication information transmitted from the user terminal is input by using the authentication information stored in a memory, an IC card, or other storage medium provided in a communication terminal such as a mobile phone. It may be a process of reading information about the user. For example, by storing the authentication information in the hardware such as the memory of the mobile phone, the user can perform the above processing without inputting the authentication information.

Next, in the server system, the user point information storage means is referred to and the authentication information (ID
The data of the corresponding user is extracted from (S21) (S21).
0). The point settlement means determines whether or not the point balance of the corresponding user stored in the user point information storage means is sufficient for the purchase amount (S212).
If there is not enough W to partner with non-settlement data
It is transmitted to the EB server (S213) and transmitted from the affiliated WEB server (or the server system of the present invention) to the user terminal (S214). When the payment is possible, the payment possible data is transmitted to the affiliated WEB server (S215). In the affiliated WEB server, after confirming the purchase item, purchase price, etc. (S216),
If it is K, the settlement request data is formally transmitted from the affiliated WEB server to the server system (S217). The transmitted data is received by the server system (S218), the settlement request data is stored in the user point information storage means, the settlement is completed, and the point balance is updated (S219). The data such as the payment amount stored and managed in the user point information storage means is used for the payment settlement process for the affiliated WEB server and the commission amount settlement process for the communication company. The updated point balance data is transmitted to the affiliated WEB server (S220), and the affiliated WEB is sent.
It is transmitted from the server (or the server system of the present invention) to the user terminal (S221). The updated point balance data may not be notified to the affiliated WEB server.

Next, with reference to FIG. 5, the payment amount collection agent means transfers the amount indicated by the payment amount data or a predetermined percentage of the amount from the server system to the corresponding WEB server operator. The process of performing the payment settlement process will be described. Here, an example will be described in which the payment settlement process for a plurality of settlement processes including the settlement amount data of a plurality of users in a predetermined period is performed every predetermined period. Until the predetermined period has elapsed, the payment request data is stored in the user point information storage means, and the process of updating the point balance (S219) is repeated. Similar processing is performed for a plurality of users. For multiple users,
This is a process of storing the payment request data in the user point information storage means in a plurality of affiliated WEB sites (S3).
00).

Next, when the predetermined period of time has passed, the collection agent means collects the payment amount data stored in the user point information storage means for a plurality of users, and the collection agent means cooperates with the WEB.
Aggregation is performed for each site (S301). The aggregated data is stored in the WEB operator information storage means. Then
The amount indicated by the payment amount data or an amount of a predetermined ratio of the amount is calculated (S302), and the calculated amount is stored in the WEB operator information storage means (S303). Payment is actually made to each WEB site operator based on the amount indicated by the stored data, but any payment method may be used. For example, the WEB operator may obtain the total amount and then cash back or the like to the system administrator side of the present invention. The calculated data is transmitted to each affiliated WEB server (S304), and a notification is given.

Next, with reference to FIG. 6, the above-mentioned fee amount settlement means cooperates with the amount of money the user has purchased points, the amount indicated by the settlement amount data, or the amount of a predetermined ratio of the amount. The process of performing the fee payment settlement process for the communication company system will be described. Here, a process of performing the fee payment settlement process for the point purchase amounts or the settlement amount data of a plurality of users in a predetermined period will be described. Until the predetermined period has elapsed, the payment request data is stored in the user point information storage means, and the process of updating the point balance (S219) is repeated. Similar processing is performed for a plurality of users. This is a process of storing the payment request data in the user point information storage means in a plurality of affiliated WEB sites for a plurality of users (S400).

When the predetermined period has elapsed, the collection agent collects the payment amount data stored in the user point information storage for a plurality of users for each communication company (S401). The telecommunications company may be independent. For example, NTT Docomo's i-mode (trademark)
For example, when paying a commission as the official website of.
Alternatively, it may be a system that can be used universally by a plurality of communication companies. The amount indicated by the payment amount data or the amount of a predetermined ratio of the amount is calculated (S402), and the calculated amount is stored in the fee amount settlement means (S40).
3). The calculated data is transmitted to each communication company system (S404), and a notification is given. Payment is actually made to each communication company based on the amount indicated by the stored data, but any payment method may be used.

[0036]

As described in detail above, according to the present invention, a small-scale payment / collection agent system that can be completed online and can easily perform small-scale payments and can be commonly used on any WEB site. Can be provided. Further, by providing a means for paying a fee to a telecommunications company such as a mobile phone company, the tie-up with the telecommunications company can be facilitated, and the system of the present invention can be spread to make it easy to use on the WEB site of any user. It is possible to provide a system capable of performing Further, if information about the user such as the authentication information input / transmitted is included in the payment request data for payment of the user using the WEB server transmitted from each WEB server,
By the authentication processing for collating the received payment request data with the information about the user such as the authentication information stored in the user point information storage means, it is possible to prevent "impersonation" and other fraud during the point payment.

[Brief description of drawings]

FIG. 1 is a system configuration diagram showing a basic configuration of the present invention.

FIG. 2 is a flowchart showing an example of a basic processing flow of the present invention.

FIG. 3 is a flowchart showing an example of a basic processing flow of the present invention.

FIG. 4 is a flowchart showing an example of a basic processing flow of the present invention.

FIG. 5 is a flowchart showing an example of a basic processing flow of the present invention.

FIG. 6 is a flowchart showing an example of a basic processing flow of the present invention.

Claims (5)

[Claims] 1. A server system in which a communication terminal such as a mobile phone is accessed via the Internet and information processing is performed by a user's operation, and a plurality of WEB servers connectably provided via the Internet. Is provided so that information processing is performed in cooperation with a telecommunications company system that enables connection to the Internet using a mobile phone, etc. Point issuing means for issuing points in exchange, and for each user,
Stores information about the user, point purchase information that stores the amount of money the user purchased points and settlement information thereof, and user point information storage means that stores the point balance information, and information about the operator of the linked WEB server The WEB operator storage means and the WEB server that receive payment request data from each WEB server in order to settle the user using the WEB server, and from the received payment request data, the WEB operator information and the user information And point settlement means for extracting payment amount data and updating the data stored in the corresponding user point information storage means based on the extracted data, and point balance information stored in the user point information means, The payment amount data included in the payment request data received from the WEB server is collated with the above-mentioned point. When the settlement means makes a settlement from the point balance, the amount indicated by the settlement amount data or a predetermined percentage of the amount is settled by the server system to the corresponding WEB server operator. Collection of the amount of money that the above-mentioned user purchases points, the amount of money indicated by the payment amount data, or a predetermined percentage of the amount of money with respect to the collection agent means, and performs payment processing for the fee payment to the linked communication company system. And a collection agent system. 2. The invention according to claim 1, wherein when the user makes a settlement request at any of the WEB servers, information about the user such as authentication information stored in the user point information storage means. Enter / send to send a payment request, and the W is sent from each WEB server.
By including the information about the user such as the authentication information input / transmitted in the payment request data for performing the payment of the user using the EB server, the server system receives the payment request data and the user point. After the authentication processing by collating the information about the user such as the authentication information stored in the information storage means, the point settlement means performs the processing for updating the data stored in the user point information storage means. Characterized by that
The collection agent system according to claim 1. 3. The invention according to claim 2, wherein when the user makes a settlement request at any of the WEB servers, information about the user such as authentication information stored in the user point information storage means. In the process of inputting / transmitting and sending a payment request, information about the user such as authentication information is input into a memory provided in a communication terminal such as a mobile phone, an IC card, and other storage information stored in a storage medium. 3. The collection agent system according to claim 1, wherein the collection agent system is a process for reading out information about the user. 4. The invention according to any one of claims 1 to 3, wherein the settlement amount collection agent operates the WEB server operation corresponding to the amount indicated by the settlement amount data or a predetermined percentage of the amount from the server system. The process of performing payment settlement processing for a person performs payment settlement processing for a plurality of settlement processing including settlement amount data of a plurality of users in a predetermined period, for each predetermined period. The collection agent system according to any one of 3 to 3. 5. The invention according to any one of claims 1 to 4, wherein the fee amount settlement means sets the amount of money purchased by the user, the amount indicated by the settlement amount data, or a predetermined percentage of the amount. , The process of performing fee payment settlement processing for the linked communication company system is
The collection agent system according to any one of claims 1 to 4, wherein fee payment settlement processing for point purchase amounts or settlement amount data of a plurality of users is performed every predetermined period.