JP2001243290A - System for adjusting expense - Google Patents

Abstract

PROBLEM TO BE SOLVED: To surely adjust business trip expenses even when a credit card cannot be used. SOLUTION: When the business trip expenses are applied from a user computer 69, an ASP computer 60 decides expenses minute data and it is stored in a credit company computer 65. When a user pays a required merchandise price in a member store on the business trip, a credit usage amount is stored in the computer 65. The user pays by cash in the case of purchase without the credit card. The computer 65 subtracts expenses minute data from a total credit usage amount. When the value becomes minus, it is stored in a cashing limit amount storage area in the computer 65 as a return amount. The user receives the advance payment of the expenses through the use of a cashing system.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an expense reconciliation method using credit information, and more particularly, to the reimbursement of a replacement amount.

[0002]

2. Description of the Related Art Heretofore, it has often been the case that an employee pays for expenses such as a business trip, and performs an accounting process to an accounting department after the business trip. If the amount is large, an application may be made in advance and a temporary payment may be made.

[0003] However, such a provisional payment procedure is complicated, and when a sudden business trip is required, it is often not possible to make time in time. Also, in the settlement process performed for the accounting department, if approval procedures and the like are troublesome, the settlement of the advance payment is not smoothly performed. In particular, if multiple employees travel on a business trip at the same time,
Each time, it was necessary to settle in cash, which was very complicated.

In order to solve such a problem, the inventor has proposed a travel expense settlement system using a credit card. However, some stores do not accept credit cards on business trips, and even if you use a credit card,
After all, the settlement process for the accounting department is separately required.

[0005] Such a problem arises not only in travel expenses but also in other expenses.

The present invention solves the above-mentioned problem, and realizes the expenditure settlement process quickly and simply by using a credit system in which credit purchase amounts are stored together for a predetermined period and debited from a registered bank account. It is an object of the present invention to provide an expense settlement system.

[0007]

Means for Solving the Problems and Effects of the Invention 1) In a business trip expense settlement computer according to the present invention,
A) Expenses billing computer having the following: a1) Application receiving means for receiving a travel expenses application from a company employee, a2) When the input travel expenses application is given, the travel expenses stored in advance are stored. Expense total calculation means for calculating the total cost of the application based on the rules, a3) Expense sending means for sending the calculated total cost to the expense settlement computer as the expense of the employee,
B) a computer of a credit company for which a credit contract has been made with the employee, the computer being connected to the expense billing computer via a network and having the following: b1) an expense provided by the expense billing computer Expense storage means for each employee, b2) usage amount storage means for storing each employee's unsettled credit card usage amount for each employee, b3) unsettled credit card usage for each employee in the usage amount storage means Comprising a settlement means for subtracting the employee-specific expenses from the amount to settle;
C) The expense settlement computer has c1) a money lending status storage means provided based on a money lending and borrowing agreement concluded between the credit company and each employee; c)
2) When the expenses for each employee are larger than the amount of the unsettled credit card, the settlement means determines the expenses as a reimbursement amount, and stores the reimbursement amount in the money lending status storage means in reverse lending data. , The expense reimbursement amount is returned to each of the employees. By storing the expense reimbursement amount as the reverse lending data in this way, the amount paid by the user can be returned to the user without using a credit card.

[0008] 2) The expense settlement computer according to the present invention is network-connected to an expense billing computer which outputs the total amount of expenses based on an application of a specific person, and 1) specifies the expense given from the expense billing computer. Expense storage means for each individual to store for each person, 2) Usage amount storage means for storing the unsettled credit card usage amount of each specific person for each specific person, 3) Unsettled for each specific person in usage amount storage means An expense settlement computer provided with settlement means for subtracting a credit card usage amount from the individual-specific expenses, and 4) said adjustment means, wherein the adjustment means is such that a specific person's expenses are larger than the unsettled credit card usage amount. In this case, this is determined as the cost advance amount. Thus, the amount paid by the specific person can be returned to the specific person without using a credit card.

[0009] 3) The expense settlement computer according to the present invention includes a generation means for generating transfer data for transferring the expense reimbursement amount to the bank account of the specific person. Therefore, the reimbursement amount can be transferred to the specific person's bank account using the transfer data.

[0010] 4) The expense settlement computer according to the present invention is provided with a transfer means for transferring the transfer data to a computer managed by a bank to transfer the transfer data to the bank account. Therefore, the transfer to the bank account is executed.

[0011] 5) In the expense settlement computer according to the present invention, the transfer means generates the transfer data so that the transfer data is transferred from the same bank account as the bank that manages the transfer destination bank account. Therefore, the transfer is performed between the same banks, and the transfer can be performed using a limited range of computers.

6) In the expense settlement computer according to the present invention, the transfer data is generated in a firm banking format so that the expense payment request computer can make a transfer, and the bank data is transmitted to the expense payment request computer. A format data transmission unit is provided. Therefore, the expense billing computer can use the received transfer data to execute the transfer and thereby refund the specific person.

7) In the expense settlement computer according to the present invention, the transfer data is configured in a data format that enables the expense payment requesting computer to make a transfer in a salary transfer format. Therefore, the advance payment can be transferred using the payroll transfer system.

8) In the expense settlement computer according to the present invention, money borrowing data is provided based on a money borrowing agreement concluded between the credit company managing the expense billing computer and each specific person. The payment means is provided with a money lending status storage means for storing the same, and when the expense for each employee is larger than the use amount of the unsettled credit card, the settlement means determines the expense as a reimbursement amount. The money reimbursement amount is returned to the specific person by storing the amount as reverse lending data in the money lending status storage means. Therefore, the expense reimbursement amount can be refunded without a transfer act.

9) In the expense settlement computer according to the present invention, when the itemized data of the expense for the specific person is received from the expense payment requesting computer, the data is compared with the item of the unpaid credit card usage amount of the specific person. And an associating means for associating the itemized data of the expenses with the item of the unsettled credit card use amount. Therefore, it is possible to obtain the association between the paid expenses and the amount spent for credit. For the specific person, the data on the relevance can prevent omission of the application, and the expense payer can obtain accumulated data on the expenses paid.

10) In the expense settlement computer according to the present invention, the associating means determines the association between the data of the expense item and the item of the unsettled credit card use amount based on the used regional data. Therefore, more accurate association can be obtained based on the regional data.

11) In the expense settlement computer according to the present invention, the associating means determines the association between the data for each item of the expense and the item of the amount of the unsettled credit card based on the date used. Therefore, a more accurate association can be obtained based on the date of purchase of the credit.

12) In the expense settlement computer according to the present invention, the associating means determines the association between the data by item of the expense and the item of the amount of the unsettled credit card based on the type of business of the store used. I do. Therefore, a more accurate association can be obtained based on the data of the store where the credit is used.

13) The expense settlement computer according to the present invention is provided with an association data transmitting means for transmitting data relating the above-mentioned data of each expense item and the item of the amount of the unsettled credit card to the specific person. I have. Therefore, the specific person can determine whether the omission of the expense application is medical or not by receiving the associated data. Furthermore, a comparison can be made between the expenses paid and the amounts actually used.

14) In the expense billing computer according to the present invention, 1) storage means for storing expense calculation rules, 2) application input means for a specific person to input an expense application, 3)
For the input expense application, based on the expense computation rules, the total expense computation means for computing the total expense of the application, 4) the expense settlement computer connected to the network calculates the cost reimbursement amount from the total expense. In order to enable the calculation, there is provided expense sending means for sending the calculated total cost as the expense of the employee to the expense settlement computer. Therefore, the total cost can be determined based on the application from the specific person.

15) In the expense billing computer according to the present invention,
When the transfer data for transferring the reimbursement amount to each specific person is given in a firm banking format, the data transmission means is provided for transmitting to a computer of a bank that manages the specific person's bank account. Therefore, the expense can be settled only by giving the total cost to the expense settlement computer.

16) The expense calculation computer according to the present invention stores, in the expense calculation rule, a case where approval of an administrator is necessary for the cost calculation of the application. Is provided with approval request means for requesting approval from the administrator's computer. Therefore, even when the expenses cannot be processed by the expense calculation rules, it is possible to reliably calculate the expenses to be paid.

17) In the expense settlement method using the expense settlement computer according to the present invention, the expense settlement computer and the expense settlement computer, which output the total amount of the expense based on the application of the specific person, are connected to the network, and the expense settlement is performed. Expenses given from the billing computer are stored for each specific person, the unsettled credit card usage amount of each specific person is stored for each specific person, and the unsettled credit card for each specific person in the usage amount storage means is stored. This is an expense settlement method for subtracting the card usage amount from the individual-specific expenses, and if the expense of the specific person is larger than the unsettled credit card usage amount, this is determined as the expense reimbursement amount. Thus, the amount paid by the specific person can be returned without using a credit card.

18) In the expense settlement method using the expense settlement computer according to the present invention, the expense reimbursement amount is returned to the specific person by transferring the expense reimbursement amount to the bank account of the specific person. Therefore, the reimbursement amount can be transferred to the specific person's bank account using the transfer data.

19) In the expense settlement method using the expense settlement computer according to the present invention, data for transferring the reimbursement amount is generated, and the transfer data is
The money is transferred to the bank account by transmitting it to the computer managed by the bank. Therefore, the transfer to the bank account is executed.

20) In the expense settlement method using the expense settlement computer according to the present invention, the data for transferring the reimbursement amount is transferred from a bank account of the same bank as the bank managing the transfer destination bank account. Generated. Therefore, the transfer is performed between the same banks, and the transfer can be performed using a limited range of computers.

21) In the expense settlement method using the expense settlement computer according to the present invention, the expense billing computer generates transfer data in a firm banking format in order to transfer the reimbursement amount to each of the specific persons. To the expense billing computer.
Therefore, the expense billing computer can use the received transfer data to execute the transfer and thereby refund the specific person.

22) In the expense reimbursement computer according to the present invention, the expense reimbursement computer generates remittance data for remittance of the reimbursement amount to the specific person in the form of a salary remittance. The advance payment can be transferred using a payroll transfer system to be transmitted.

23) In the expense settlement method using the expense settlement computer according to the present invention, there is provided an expense settlement method based on a money lending contract concluded between a credit company managing the expense claim computer and each specific person. ,
When the money borrowing data is given, the money borrowing data is stored in the money lending status storage area, and when the expense for each employee is larger than the use amount of the unsettled credit card, this is determined as the cost advance amount, and The reimbursement amount is returned to the specific person by storing the reimbursement amount in the money lending status storage area as reverse lending data. Therefore, the expense reimbursement amount can be refunded without a transfer act.

24) In the expense settlement method using the expense settlement computer according to the present invention, when the itemized data of the expense for the specific person is received from the expense payment requesting computer, the amount of the unsettled credit card used by the specific person is used. The item data of the expense and the item of the amount of the unsettled credit card are associated with each other by collating with the item of the above. Therefore, it is possible to obtain the association between the paid expenses and the amount spent for credit. For the specific person, the data on the relevance can prevent omission of the application, and the expense payer can obtain accumulated data on the expenses paid.

25) In the expense settlement method using the expense settlement computer according to the present invention, the association between the itemized data of the expenses and the item of the unsettled credit card usage amount is determined based on the used regional data. . Therefore, more accurate association can be obtained based on the regional data.

26) In the expense settlement computer according to the present invention, the association between the itemized data of the expense and the item of the unsettled credit card usage amount is determined based on the date used. Therefore, a more accurate association can be obtained based on the date of purchase of the credit.

27) In the expense settlement computer according to the present invention, the association between the itemized data of the expense and the item of the unsettled credit card usage amount is determined based on the type of business code of the store used. Therefore, a more accurate association can be obtained based on the data of the store where the credit is used.

28) In the expense settlement method using the expense settlement computer according to the present invention, data in which the itemized data of the expense and the item of the unsettled credit card use amount are transmitted to the specific person. Therefore, the specific person can receive the associated data and determine whether there is no omission in expense application. Furthermore, a comparison can be made between the expenses paid and the amounts actually used.

29) The expense settlement computer according to the present invention comprises: 1) an expense calculating means for calculating the total amount of expenses based on an application of a specific person; 2) storing the expenses given by the cost calculating means for each specific person. 3) Expense storage means for each specific person, 3) Usage amount storage means for storing the unsettled credit card usage amount of each specific person for each specific person, 4) Unsettled credit card usage amount for each specific person in the usage amount storage means Is provided with a settlement means for subtracting from the individual-specific expenses, and 5) the settlement means,
If the cost of the specific person is larger than the amount of the unsettled credit card, this is determined as the cost advance amount. Thus, the amount paid by the specific person can be returned to the specific person without using a credit card.

In this specification, the credit card system includes not only a normal credit system but also a system for paying the amount of credit payment at the time of settlement and not having a refund system.

[0037]

BEST MODE FOR CARRYING OUT THE INVENTION Description of Functional Block Diagram One embodiment of the present invention will be described with reference to the drawings. A travel expense settlement system 1 shown in FIG. 1 includes an expense payment request computer 200, a user computer 2, and an expense settlement computer 100.

The expense payment requesting computer 200 includes an application receiving means 201, a total expense calculating means 203, and an expense sending means 205. The application receiving means 201 receives the business travel expense application provided from the user computer 2. The total expense calculation means 203, when given the input travel expense application, calculates the total cost of the application based on a previously stored travel expense rule. The expense sending means 205 sends the calculated total expense to the expense settlement computer 100 as the expense of the employee.

The expense reimbursement computer 100 is a computer of a credit company contracted with each employee as a credit member and is connected to the expense payment computer 200 via a network. A storage unit 103, a credit sales processing unit 105, a usage amount storage unit 107, a settlement unit 109, a money lending status storage unit 113, and a money borrowing processing unit 111 are provided.

The employee-based expense receiving means 101 receives the total expense sent from the expense payment requesting computer 200. The employee-specific expense storage means 103 stores the total expense for each employee. The credit sales processing unit 105 determines whether or not credit can be sold for an application given from the terminal of the member store, and if so, transmits approval data to the terminal and, as credit sales data, It is stored in the usage amount storage means 107. This allows
The unsettled credit card usage amount of each member is stored in the usage amount storage means 107 for each member.

The money borrowing processing means 111 determines whether or not money lending is possible for the application given from the ATM terminal, and if so, sends the approval data to the terminal and, as money lending data. Is stored in the money lending status storage means 113. As a result, the amount of money lent based on the money borrowing agreement concluded between the credit company and each employee is stored in the money lending status storage means 113 for each member.

The settlement means 109 subtracts the expenses for each employee from the unsettled credit card usage amount for each employee in the used amount storage means and performs the settlement. If the expense for each employee is larger than the unsettled credit card usage amount, this is determined as the expense reimbursement amount, and this expense reimbursement amount is stored in the money lending status storage means 113 as reverse lending data. Thereby, the reimbursement amount can be returned to each employee.

The settlement means 109 may notify the user computer 2 of the occurrence of the reverse lending data by e-mail or the like.

2. Hardware Configuration The hardware configuration of each computer 1 shown in FIG. 1 will be described with reference to FIGS. FIG. 2 shows an example of a hardware configuration in which the expense billing computer 200 is implemented using a CPU.

The expense billing computer is a CPU 2
23, memory 227, hard disk 226, CRT2
30, a CDD (CD ROM drive) 225, a keyboard 228, a mouse 231, a network management unit 232, and a bus line 229. The CPU 223
Each unit is controlled via a bus line 229 according to a control program stored in the hard disk 226.

This control program is read out from the CDROM 225a in which the program is stored via the CDD 225 and installed on the hard disk 226. In addition to the CDROM, a program such as a flexible disk (FD) or an IC card may be installed on a hard disk from a computer-readable recording medium in which a program is substantially integrated. Furthermore, you may make it download using a communication line.

In this embodiment, the program is stored on a CD.
By installing the program from the ROM to the hard disk 226, the program stored in the CD ROM is indirectly executed by the computer. However, without being limited to this, the program stored in the CDROM may be directly executed from the CDD 225. Note that, as a program executable by a computer, not only a program that can be directly executed by simply installing it as it is, but also a program that needs to be temporarily converted into another form (for example, decompresses a data-compressed program) Etc.), and also includes those which can be executed in combination with other module parts.

The hard disk 226 has a program storage unit 2 in which a program for performing an application process described later is stored.
26b, and an expense rule storage unit 22 for storing the expense rule
Has 6k.

The network management unit 232 sends and receives data to and from another computer connected to the network. In the present embodiment, data transmission / reception is performed according to the TCP / IP communication standard.

The user computer 2 shown in FIG. 3 is different in that a hard disk 126 stores a browser program. In the present embodiment, the Netscape Navigator of Netscape is adopted, but the present invention is not limited to this.

The program stored in the hard disk 126 also differs for the expense settlement computer 100 shown in FIG. In addition, the card use history storage unit 26h,
It differs in that it has an expense storage unit 26k, a member data storage unit 26d and a return Kinki unit 126f. The card use history storage unit 26h stores a purchase history of a product or service using a card of each member. Expense storage unit 26k, when there is a request for payment for expenses for each member,
The detailed data is stored as described later. The return Kinki part 126f stores an amount to be returned using a caching system as described later. The member data storage unit 26d stores personal information such as member ID, name, credit limit, loan limit, account data, and the like.

3. Overall Configuration FIG. 5 shows an expense settlement system according to the present invention comprising a credit company computer 65 (corresponding to an expense settlement computer) and an application service provider (ASP).
The overall configuration in the case where the computer 60 (expenses billing computer) is used is shown. The ASP computer is a computer that undertakes maintenance and management without managing the computer system in-house. Thereby, maintenance of the expense billing computer can be entrusted to the administrator of the ASP computer.

A user as a specific person applies for travel expenses from the user computer 69. ASP computer 6
In response to such an application, 0 determines the detailed expense data based on the expense determination rules stored in advance, and transmits it to the credit company computer 65. The credit company computer 65 stores the detailed expense data. The user pays for the necessary goods or services on a business trip by credit card at the member store. The credit usage amount is stored in the credit company computer 65. The user pays in cash when the credit card cannot be used. The credit company has a caching contract with each member, and stores a cashing limit based on the contract.

The credit company computer 65 subtracts the detailed expenditure data from the total credit usage amount at a predetermined judgment time. If the value becomes negative, the credit company computer 65 returns it to the cashing limit storage area in the credit company computer 65. In addition to storing the amount, the user computer 69 is notified that the return amount data is available. As a result, the user can receive a reimbursement for expenses using the caching system. Therefore, even when a credit card cannot be used, the travel expenses can be settled reliably.

Further, since the company only has to pay the credit company in a lump without paying the business trip expenses to the employees each time, the settlement process is simplified.

4. Next, a program stored in the hard disk of each computer will be described.

FIG. 6 shows a processing flowchart of the expense application of the ASP computer 60. The CPU 223 determines whether there is an application request (request) from the user computer (Step S1 in FIG. 6), and when there is a request, transmits an application screen to the user computer (Step S3). FIG. 7 shows an example of the application screen. When the user inputs each item on the screen displayed on the user computer and clicks the application button 61 with a mouse, the application data is transmitted to the ASP computer 60.

The CPU 223 of the ASP computer 60 determines whether or not the application data is provided (step S5 in FIG. 6). When the application data is provided, the CPU 223 matches the expense determination rule stored in the expense storage unit 226k. It is determined whether or not to perform (step S7). For example, for the section manager and below, an expense determination rule such as up to 12,000 yen per night as a hotel fee is stored, and it is determined whether the application conforms to the rule.

If the cost coincides with the expense determination rule, details of the expense are determined (step S17). For example, accommodation cost 1
2,000 yen, transportation cost 23,000 yen, etc. are determined. The CPU 223 transmits the detailed expense data to the credit company computer 65 shown in FIG. 5 (Step S19).

On the other hand, if it does not match the expense determination rule in step S7 in FIG. 6, an approval e-mail is transmitted to the supervisor's e-mail address to request approval (step S7).
9). Such an e-mail address may be stored in advance in the expense determination rule. This is because, for example, there may be a case where an individually necessary cost is incurred.

In response to the approval e-mail, the CPU 2
23 judges whether or not there is approval (step S1).
1) If there is approval, the details of the expenses are determined (step S)
17), and transmits it to the credit company computer 65 (step S19).

On the other hand, if there is no approval in step S11, it is determined whether or not there is a response indicating that the payment is not approved, that is, the payment of such expenses is not approved (step S1).
3). If there is a non-approval instruction, a transmission process is performed to display the fact on the user computer 69 (step S15). If there is no non-approval instruction in step S13, the process returns to step S11 to repeat whether there is no approval instruction.

As described above, detailed expense data is given to the credit company computer 65 based on the application data from the user.

Next, the credit company computer 65
The program stored in the program storage unit 26b will be described with reference to FIG.

CPU of Credit Company Computer 65
123 determines whether or not the expense detail data is provided (step S31 in FIG. 8). When the expense detail data is provided, the expense storage unit 126k shown in FIG.
It is stored as individual expense data (step S33). FIG. 9 shows an example of the detailed expense data. In the present embodiment, the details of the employee id, the employee name, the travel destination, the total travel cost, the total travel cost, and the travel period are stored.

The CPU 123 of the credit company computer 65 also executes a credit sales approval program shown in FIG. 10, and determines whether or not there is an application for credit sales from the member store terminals 67a to 67x (see FIG. 10). FIG.
0 step S21). When there is such an application, it is determined whether or not the credit sale is permitted (step S2)
3). For example, examine whether the limit has been exceeded.
When permitting, the CPU 123 performs the examination. When passing the examination, the CPU 123 sends approval data to the effect that the approval has been sent to the member store terminal that sent the application, and stores the unsettled credit data in the card use history storage unit 126h. To be stored. FIG. 11 shows an example of unsettled credit data added to the card use history storage unit 126h. In the present embodiment, a date, a store name, an industry code, a region, and a price are adopted as unsettled credit data.

It should be noted that data for distinguishing between undecided and decided may also be stored.

On the other hand, if the CPU 123 determines in step S23 that the credit sale cannot be permitted, the CPU 123 returns a non-permission response to the member store terminal that transmitted the application (step S27 in FIG. 10). Thus, the credit selling process ends.

The CPU 123 of the credit company computer 65 also executes a replacement amount determination program shown in FIG. The CPU 123 determines whether or not it is time to determine a replacement amount (step S41). In this embodiment, the end date of the business trip is determined to be the determination time. However, the present invention is not limited to this, and the determination time may be fixed as twice a month.

The CPU 123 calculates the total amount of unsettled credits and the total amount of expenses, and subtracts the total amount of expenses from the total amount of unsettled credits (step S43 in FIG. 12). CPU1
23 determines whether or not the value obtained by the processing in step S43 is a negative value (step S45). If the value is negative, it is stored as the amount to be returned in the return money storage unit 126f (step S47). CPU
The unsettled amount 123 stores the card use history stored in the card use history storage unit shown in FIG. 4 as settled (step S48).

On the other hand, if the value is positive, the remaining unsettled credit amount is stored as the unsettled credit amount (step S49).

In this way, the settlement process is performed.

The CPU 123 of the credit company computer 65 also executes a refund payment processing program shown in FIG. The CPU 123 determines whether or not there is a caching request from the caching terminals 68a to 68x shown in FIG. 5 (step S51), and if there is a caching request, it is smaller than the refund amount stored in the refund storage unit. It is determined whether or not this is the case (step S53). If the withdrawal request amount is smaller than the return amount, the withdrawal request amount is subtracted from the return amount and stored (step S5).
5) Perform payment processing (step S57). In this way, it is possible to reimburse the user for the reimbursed replacement cost.

If the cashing amount is larger than the refunding amount in step S53, the CPU 123
Refers to the current borrowable amount and determines whether payment processing is possible (step S59). If the payment cannot be processed, that is, if the borrowing amount is added and the cashing amount is larger, "the borrowing amount has been exceeded"
Message is displayed. If payment processing is possible, payment processing is performed preferentially from the return amount stored in the return money storage unit, and the shortage is processed as borrowing. For example, the cashing request amount is 30,000 yen and the refund is 2
If the borrowing amount is 10,000 yen and the borrowing limit is 50,000 yen, the breakdown of the cashing request amount of 30,000 yen will be refunded as borrowing 10,000 yen in addition to the refund 20,000 yen.

In this way, the user can receive the advance payment.

If such a refund occurs,
Using e-mail etc. to the user computer,
You may be notified to that effect. In this case, the mail address may be stored in the member data storage unit 126d.

5. Another Embodiment FIG. 14 shows an embodiment in which the advance payment is returned using a method other than the caching system. In this example, the return amount stored in the return amount storage unit of the credit company computer 75 is transmitted to the ASP computer 70 as data,
The bank account is transferred from the ASP computer 70 to a computer of a financial institution that manages the user's bank account using farm banking. User computer 79
Application procedure, exchange between member store terminals 79a-79x and credit company computer 75, and credit company computer 75 and ASP computer 70
The exchange of the expense data approved with is the same as in the above embodiment.

FIG. 15 shows an example of firm banking format data transmitted to the ASP computer 70. Thus, each user's bank code, branch code,
List data of the account type, account number, account holder, and amount are generated for each user. The bank account of the user may be generated with reference to the member data storage unit 126d shown in FIG.

The generation time of the data in the firm banking format is determined in step S4 shown in FIG.
7, or an arbitrary time can be adopted.

Instead of sending the data to the ASP server in the form of firm banking data, a salary transfer system may be employed to add the amount and transfer the money.

The credit company computer 65 shown in FIG. 5 bills the ASP computer 60 for the expenses of all the employees belonging to the company at a predetermined time (eg, once a month).

Instead of transferring money from the ASP computer to each user's bank account, the credit company computer 65 may directly transfer money to each user's bank account. Further, the credit company computer may be transferred from the same bank account as each member's bank account. This corresponds to the member data storage unit 12 shown in FIG.
With reference to the data stored in 6d, the transfer may be made for each bank.

Further, each user may be registered as a member store of a credit company, and the return money may be transferred to a bank account designated as a sales amount, assuming that the sales are sales as a member store. . In this case, the bank account as a member store may be stored in the member data storage unit 126d. As a result, the transfer fee can be reduced.

Although the present embodiment has been described in connection with the case where the expenses are settled in advance, the present invention can be similarly applied to the case where the expenses are settled afterwards. In this case, card usage data may be transmitted from the credit company computer to the user computer by using e-mail or the like. As a result, it is possible to prevent forgetting to apply for the expense settlement.

The computer of the credit company is AS
It is also possible to infer the relevance of the details of the expenses from the detailed expense data given from the P computer and the card use history data (see FIG. 11) generated based on the sales data given from the member store. Good. In particular,
Refer to the industry code, date, region, and breakdown of detailed expenditure data of card use history data, guess that certain card use data may correspond to certain detailed expenditure data, etc. What is necessary is just to transmit data to an ASP server. For example, the breakdown of the detailed expense data shows that the
If the month is from the 20th to the 21st, it is possible to take out the usage history during this time and to know that the usage amount of the credit card corresponding to the accommodation is the data used as the accommodation expenses. By transmitting such data to the ASP computer, it is possible to accumulate data relating to expenses, and to obtain basic data upon reviewing expenses.

As a condition for estimating the relevancy, one of a region, a date, and a business type code or a combination thereof may be adopted. In addition, as a material for estimating the relevance, the user may be able to input at the terminal of the credit member store whether or not the relevance is related to travel expenses.

In the present embodiment, the rules for calculating business trip expenses are stored in the ASP computer, and if the rules do not meet the rules, approval is requested. You may make it determine.

Note that, when a refund is present in the refund storage unit 126f and there is an unsettled credit amount, this may be offset. For example, if 30,000 yen has already been stored in the refund storage unit 126d and the total amount of unsettled credits becomes 25,000 yen, the data in the refund storage unit is offset by 25,000 yen, and 500
It should be 0 yen. As a result, even when data transmission from the member store terminal is delayed, the settlement process can be smoothly performed.

When a refund exists in the refund storage unit 126f, there is an unsettled credit amount, and there is also a borrowed money, it is optional to cancel any of them. In the present embodiment, the debt is preferentially offset.

In the present embodiment, the settlement of business trip expenses has been described as an example. However, the present invention can be similarly applied to the case where expenses other than business trips are settled using a credit card.

In the present embodiment, a case has been described in which the expense billing computer and the expense settlement computer are separately configured, but they may be integrally configured.

In this embodiment, the ASP computer processes the expense application processing of the company to which the user belongs. However, such processing may be performed by a computer in the company. Further, the credit company may be made to execute an expense application process.

Further, a part of the processing of the program may be performed by an operating system (OS).

In the present embodiment, the functions shown in FIG. 1 are realized by software using the CPU 23. However, some or all of them may be realized by hardware such as a logic circuit.

[Brief description of the drawings]

FIG. 1 is an overall functional block diagram of a system according to the present invention.

FIG. 2 is a diagram illustrating an example of a hardware configuration in which the ASP computer illustrated in FIG. 1 is implemented using a CPU.

FIG. 3 shows a credit company computer shown in FIG.
FIG. 3 is a diagram illustrating an example of a hardware configuration realized using U.

FIG. 4 is a diagram illustrating an example of a hardware configuration in which the user computer illustrated in FIG. 1 is implemented using a CPU.

FIG. 5 is a schematic diagram of a system configuration according to the present invention.

FIG. 6 is a flowchart of an expense application approval process.

FIG. 7 is a diagram showing an example of an application screen displayed on a user computer.

FIG. 8 is a flowchart showing processing when the credit company computer receives detailed expense data.

FIG. 9 is a diagram illustrating an example of a data structure of expense detail data.

FIG. 10 is a flowchart showing a process when a member store terminal requests approval of credit sales.

FIG. 11 is a diagram showing a data structure of a card use history storage unit.

FIG. 12 is a flowchart of a payment amount determination process.

FIG. 13 is a flowchart of a reimbursement money payment process.

FIG. 14 is a schematic view showing another embodiment of the return of the advance payment.

FIG. 15 is a diagram showing a data structure of data in a firm banking format.

[Explanation of symbols]

 23: CPU 27: Memory

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Yasuo Goto 11-30 Enomachi, Suita-shi, Osaka Inside Toyo Information System Co., Ltd. (72) Inventor Kota Ando 11-30 Enomachi, Suita-shi, Osaka In Toyo Information System Co., Ltd. (72) Inventor Kazuhiko Mori 11-30 Enomachi, Suita-shi, Osaka Prefecture In Toyo Information System Co., Ltd. (72) Inventor Rikio Kawabata 1006 Kadoma, Kazuma, Osaka Prefecture Matsushita Electric Industrial Co., Ltd. (72) Inventor Hiroaki Saijo 1-6-6 Kanda Surugadai, Chiyoda-ku, Tokyo JC B Fumiaki Inoue 1-6-6 Kanda Surugadai, Chiyoda-ku, Tokyo Ochanomizu Square J Co., Ltd. Shibi over the F-term (reference) 5B049 AA01 AA02 BB46 CC36 CC39 DD01 EE00 EE21 FF09 GG04 GG07 5B055 BB03 BB16 CB09 EE03 EE05 EE21 EE27 FA05 KK00 KK15 KK19

Claims (29)

[Claims] A) An expense payment request computer having the following: a1) an application receiving means for receiving an application for a travel expense from an employee of a company; a2) storing in advance when the input travel expense application is given; Expense totaling means for calculating the total amount of expenses for the application based on the travel expense rules set forth above, a3) Expense sending means for sending the calculated total expenses to the expense settlement computer as expenses for the employee, B) A computer of a credit company for which a credit contract has been made with the employee, the computer being connected to the expense billing computer through a network, and an expense accounting computer having the following: b1) Each of the expenses given by the expense billing computer is Employee-specific expense storage means for each employee, b2) Record the amount of unpaid credit card used by each employee for each employee B3) a travel expense reimbursement system for reimbursing travel expenses, comprising: a payment means for subtracting the employee-specific expenses from the unsettled credit card usage amount for each employee in the usage amount storage means. C) the expense settlement computer comprises: c1) a money lending status storage means provided based on a money lending and borrowing contract concluded between the credit company and each employee; c2) the settlement means: If the expense for each employee is greater than the unsettled credit card use amount, this is determined as an expense reimbursement amount, and this expense reimbursement amount is stored in the money lending status storage means as reverse lending data, A travel expense reimbursement system, characterized by returning the reimbursed amount to each employee. 2. An expense settlement computer connected to an expense billing computer for outputting a total amount of expenses based on an application of a specific person, wherein the expense provided by the expense billing computer is stored for each specific person. Individual-specific expense storage means, usage amount storage means for storing the unsettled credit card usage amount of each specific person for each specific person, unsettled credit card usage amount for each specific person in the usage amount storage means for the specific person If the expenses of the specific person are greater than the amount of the unsettled credit card, this is determined as a reimbursement amount. To make a payment computer. 3. The expense settlement computer according to claim 2, further comprising generating means for generating transfer data for transferring the reimbursement amount to a bank account of the specific person. 4. The expense settlement computer according to claim 3, further comprising a transfer means for transferring the transfer data to a computer managed by a bank to transfer the transfer data to the bank account. What to do. 5. The expense settlement computer according to claim 4, wherein the transfer means generates the transfer data so that the transfer data is transferred from a bank account of the same bank as a bank managing a transfer destination bank account. What to do. 6. The expense settlement computer according to claim 3, wherein the transfer data is generated in a firm banking format so that the expense payment request computer can make a transfer, and is transmitted to the expense payment request computer. Characterized by having data transmission means. 7. The expense settlement computer according to claim 3, wherein the transfer data is configured in a data format that enables the expense payment request computer to make a transfer in a salary transfer format. 8. The expense settlement computer according to claim 2, wherein the money borrowing data is given based on a money lending agreement concluded between a credit company that manages the expense billing computer and each specific person. And a money lending status storage means for storing the same, and when the expenses for each employee are greater than the used amount of the unsettled credit card, the settlement means determines the expenses as a reimbursement amount. Is stored in the money lending status storage means as reverse lending data, so that the reimbursement amount is returned to each of the specific persons. 9. The expense settlement computer according to claim 3 or 8, wherein when the expense-specific data on the specific person is received from the expense payment request computer, the item of the unsettled credit card usage amount of the specific person is displayed. Associating means for collating and correlating the itemized data of expenses with the item of unsettled credit card usage. 10. The expense settlement computer according to claim 9, wherein the associating means determines an association between the itemized data of the expense and the item of the amount of the unsettled credit card based on the used regional data. What is characterized by. 11. The expense settlement computer according to claim 9, wherein the associating means determines the association between the itemized data of the expense and the item of the amount of the unsettled credit card based on the date used. Features. 12. The expense settlement computer according to claim 9, wherein the associating means determines the association between the data for each item of the expense and the item of the amount of unsettled credit card based on the type of business of the store used. That is characterized by 13. An expense settlement computer according to claim 9, further comprising an association data transmitting means for transmitting data relating the itemized data of the expense and the item of the amount of the unsettled credit card to the specific person. Characterized by,. 14. A storage means for storing an expense calculation rule, an application input means for a specific person to input an application for an expense, and for the input expense application, the cost of the application is calculated based on the expense calculation rule. Expense total amount calculating means for calculating the total amount, expenses for sending the calculated total amount to the expense settlement computer as expenses for the employee, so that the expense settlement computer connected to the network can calculate the reimbursement amount from the total amount of expenses. Sending means, an expense billing computer. 15. The expense payment computer according to claim 14, wherein when transfer data for transferring the reimbursement amount to each of the specific persons is given from the expense settlement computer in a firm banking format, the bank of the specific person is provided. An expense billing computer, comprising: data transmission means for transmitting data to a computer of a bank managing an account. 16. A computer for claiming expenses according to claim 14, wherein said expense calculation rule stores a case in which said administrator needs to approve an expense calculation relating to said application. An expense requesting computer, comprising: an approval requesting means for requesting approval of the administrator's computer. 17. An expenditure billing computer for outputting the total amount of expenses based on a specific person's application and an expense settlement computer are connected to a network, and the expenses given from the expense billing computer are stored for each specific person. The cost of storing the unsettled credit card usage amount of each specific person for each specific person, and subtracting the unsettled credit card usage amount of each specific person of the usage amount storage means from the specific individual expenses to settle. An expense settlement method using an expense settlement computer, wherein if the expense of the specific person is larger than the amount of use of the unsettled credit card, this is determined as an expense reimbursement amount. 18. An expense settlement method using an expense settlement computer according to claim 17, wherein the expense advance amount is returned to the specific person by transferring the expense advance amount to a bank account of the specific person. What is characterized by. 19. An expense settlement method using an expense settlement computer according to claim 18, wherein data for transferring the reimbursement amount is generated, and the transfer data is transmitted to a computer managed by the bank. Transfer to an account. 20. An expense settlement method using an expense settlement computer according to claim 19, wherein the data for transferring the expense reimbursement amount is generated so as to be transferred from a bank account of the same bank as the bank managing the transfer destination bank account. To be performed. 21. An expense settlement method using an expense settlement computer according to claim 18, wherein said expense payment claim computer generates transfer data in a firm banking format in order to transfer a reimbursement amount to each of said specific persons. Transmitted to the expense billing computer. 22. An expense settlement method using an expense settlement computer according to claim 18, wherein said expense payment claim computer generates transfer data for transferring a reimbursement amount to said specific person in a salary transfer form. Transmitted to an expense billing computer. 23. An expense settlement method using an expense settlement computer according to claim 17, wherein: based on a money lending contract concluded between a credit company managing the expense payment request computer and each specific person. When the money borrowing data is given, the money borrowing data is stored in the money lending status storage area, and when the expense for each employee is larger than the above-mentioned unsettled credit card use amount, this is determined as the cost advance amount, and Storing the reimbursement amount in the money lending status storage area as reverse lending data, thereby returning the reimbursement amount to the specific person. 24. The expense settlement method using the expense settlement computer according to claim 18 or 23, wherein when the itemized data of the expense for the specific person is received from the expense payment requesting computer, the unsettled credit of the specific person is received. Correlating with the item of the expense and the item of the unsettled credit card amount by collating with the item of the card usage amount. 25. An expense settlement method using an expense settlement computer according to claim 24, wherein the association between the itemized data of the expense and the item of the amount of the unsettled credit card is judged based on the used regional data. Characterized by,. 26. An expense settlement method using an expense settlement computer according to claim 24, wherein the associating of the itemized data of the expense with the item of the amount of the unsettled credit card is determined based on the date used. What is characterized by. 27. The expense settlement method using an expense settlement computer according to claim 24, wherein the association between the data of each expense item and the item of the amount of unsettled credit card is determined based on the type of business of the store used. To do. 28. An expense settlement method using an expense settlement computer according to claim 24, wherein the data for each item of the expense and the item of the amount of the unsettled credit card are transmitted to the specific person. What is characterized by. 29. Expense calculating means for calculating the total amount of expenses based on an application of a specific person, specific individual cost storing means for storing the expenses given by the cost calculating means for each specific person, A use amount storage means for storing an unsettled credit card use amount for each specific person; and a settlement means for subtracting the unsettled credit card use amount for each specific person from the use amount storage means from the individual-specific expenses to settle. The expense settlement computer, wherein the settlement means decides, as the expense reimbursement amount, when the expense of the specific person is larger than the used amount of the unsettled credit card.