JP2001265932A - Settlement processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement processing system which is advantageous to all of a transferer, a receiver and accordingly, an intermediary organization such as a financial institution existing between them. SOLUTION: This settlement processing system constructed by a computer system 1 is provided with an inputting means (a) with which the transferer X, etc., inputs transfer contents, a refund deciding means (c) which decides an amount (u) corresponding to an interest rate calculated on the basis of information A inputted to the means (a) and the number of operable days of a transfer amount (o) between a transfer date and a settling date as refund (r), and a settlement performing means (i) which retains settlement performance up to the settling date and deposits an amount (v) corresponding to the transfer amount to a receiver account Ya as a settlement amount (w) on that day of the settling date.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account settlement system constructed by a computer system which performs a procedure from settlement of account settlement to settlement of accounts.

[0002]

2. Description of the Related Art Conventionally, when paying a settlement for a commercial transaction or when paying a public charge, a POS system at a bank ATM or a counter, a cashier counter at a convenience store, or the like has been used. In recent years, so-called Internet banking, in which a mobile phone or a personal computer is connected to a bank or the like via an Internet line to make a transfer, or a television or the like is connected to a bank terminal or a dedicated window through an Internet line or a telephone line. So-called home banking, in which a transfer procedure is actually performed at a counter, is being realized.

[0003]

By the way, the receiver who receives the fee only needs to be able to confirm the fact of the payment on the settlement day, but on the other hand, the transferor performs the transfer before the settlement date. Although it is necessary, there is no place to gain any profit even though the transfer was made early, and the interest rate between the transfer date and the settlement date has been lost. Means that can be used to address such problems include, for example, automatic withdrawal of utility charges and the like on the settlement date, and means such as a transfer reservation.However, due to the inconvenience of the procedure and the nature of the matter to be transferred, Their use is limited.

[0004] In order to solve the above-mentioned problems at once, the present invention utilizes a computer system effectively so that a transferor, a receiver, and an intermediary of a financial institution or the like intervening between them. It aims to provide a payment processing system that is advantageous to all of the institutions.

[0005]

According to the present invention, in order to achieve the above object, a transfer person or an operator designates and inputs predetermined items such as a financial institution and an account of a transfer destination and a transfer amount. Based on the input means and the information input to the input means, the number of days is calculated from the transfer date to a predetermined settlement date, and the amount corresponding to the interest calculated according to the transfer amount during the number of days is determined as a refund. A payment processing system comprising a refund amount determination means and a payment execution means for delivering the transfer to the payee on the payment date is to be constructed by a computer system.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, a settlement processing system according to the present invention comprises at least a transfer person or an operator X who performs a transfer procedure in accordance with the contents of a payment statement or the like presented by the transfer person. Intermediary institution Z such as financial institution
Means a for designating and inputting the transfer amount o and the like, and the information A input to the input means a, the transfer amount o from the transfer date to a predetermined settlement date is specified. A reimbursement amount determining means c for calculating the number of operable days, calculating an interest rate u corresponding to the transfer amount o during the number of days, and determining the interest amount equivalent u as the rebate amount r to reimburse the transferor X; A settlement execution means i for depositing a transfer amount w per day as a settlement money w into the account Ya of the payee Y is provided, and these means are constructed using the computer system 1.

Here, the transferee X and the payee Y include any person who transfers the payment w and the person who receives the payment w, such as a company, a business establishment, an individual, or a corporation. The intermediary agency Z corresponds to a company, such as a bank, a post office, or a convenience store, which intervenes between the payer X and the payee Y.

The input means a includes, for example, an ATM input device such as a bank or a post office operated by the transferor himself, a terminal operated by an operator at a counter of a bank or the like according to a statement of payment brought by the transferor, or a convenience store. PO installed at the cashier counter etc. to read the barcode display of the payment statement
Various things such as a register terminal of the S system, a mobile phone and a personal computer when using Internet banking and the like are supported. In addition, on a predetermined settlement date, a settlement date may be a predetermined day such as a payment date of a utility bill or a credit card usage amount, or a recipient X in a commercial transaction.
There are various modes such as those arbitrarily determined between the transferor Y and the depositor Y.

[0009] The refund amount determination means c is based on the information A input to the input means a and the transfer date and the settlement date, and the intermediary institution Z stocks the medium- and short-term liquid funds between the transfer date and the settlement date. The amount of interest u corresponding to the period in which the payment can be kept is calculated, and the amount of interest u is determined as a refund r for refunding to the transferor X.
Processing may be performed by a terminal such as M or POS, or information may be processed by a host computer or the like accessed from the terminal.

[0010] The settlement execution means i is a transfer money o or a transfer money o
The intermediary institution Z that manages, for example, stocking or operating the difference t between the remittance money r and the reimbursement money r from the transfer date to the settlement date is to be deposited into the payee account Ya on the settlement date.

According to the settlement processing system having such a configuration, the remittance person X obtains a larger refund r as the transfer is made earlier than the settlement date. You can pay with. On the other hand, for the payee Y, the fact that the transfer has been made by the transferee X can be surely known on the settlement date, and the transferee X completes the transfer at an early stage, thereby preventing the transfer delay and nonpayment. It is possible to more reliably receive the payment w. Further, for the intermediary institution Z such as a financial institution, it is possible to promote the use of the institution Z by receiving such profits by the transferor X and the payee Y, and to increase the medium- and short-term liquidity. The likelihood that they can be secured will increase. That is, the present invention relates to the transferee X, the payee Y and the intermediary agency Z.
It is possible to make a payment processing system extremely useful for the three parties.

[0012] In comparison with the above-mentioned transfer reservation, the present invention is different from the above-mentioned transfer reservation in that when a transferor performs a transfer reservation procedure at a financial institution having an account, the transfer procedure is performed earlier than the settlement date. It is unclear how disadvantageous it is to the person, the deposit interest rate from the actual transfer date to the settlement date will be lost, and the transfer person can not make a transfer reservation at a financial institution that does not have an account There is. On the other hand, in the present invention, since the interest rate from the transfer date to the settlement date is refunded as a refund, the profit amount of the transferor is clear, and the above profit can be obtained even if there is no account at the financial institution performing the transfer procedure. It can be said that this is a very useful system for the transferor because even if the transfer is made in the form of a transferee's account transfer, the interest rate related to the amount to be transferred can be secured as a refund.

When the transfer person X or the like clearly knows the settlement date at the time of the transfer procedure, it is desirable to input a predetermined settlement date in the input means a as shown in FIG. . In such a mode, when the transfer person X performs a transfer procedure in the input means a, the payment date may be input or the bar code display may be recognized by reading with the POS terminal. Is also good.
In the present invention, the payment date is not limited to the one input by the input means a, and the payee Z sends the payment date to the intermediary agency Z in advance and stores the payment date in a database or the like of the host computer. Input means a when determining
And the settlement date stored in the database can be referred to.

Further, in order to efficiently determine the amount to be originally paid by the transferor X from the information A inputted to the input means a, the settlement processing system is inputted to the input means a as shown in FIG. Determines the commission p based on the received information A,
It is preferable to include a deposit amount determining means c for determining a deposit amount q which is a total amount of the commission p and the deposit o. In this case, if the commission p is unnecessary, the transfer amount o and the deposit amount q are the same.

Further, in order to effectively determine the amount to be paid by the depositor X from the deposit amount q and the refund amount r determined by the deposit amount determining means a and the refund amount determining means c, As shown in FIG. 2, it is effective to have a transfer amount determining means d for determining the transfer amount s by subtracting the payout amount r from the received amount q.

The present invention having the above-described structure is specifically described as follows.
As shown in FIG. 3, the computer system 1 includes a transfer device 2 used by a transfer person or an operator X and an intermediary institution Z such as a financial institution interposed between the transfer person X and the payee Y.
And a host computer 3 which is installed in the transfer device 2 and can communicate with the transfer device 2.
Has at least the input means a and a refund amount display means c for displaying a refund amount r, the host computer 3 has a settlement execution means i, and either the transfer device 2 or the host computer 3 has a refund amount. One having a configuration including the amount determining means c is exemplified. In the figure, the case where the refund amount determination means c is provided on the host computer 3 side is shown by a solid line, and the case where it is provided on the transfer device 2 side is shown by a broken line.

More specifically, the settlement system of FIG.
As shown in the figure, the computer system 1 is installed in the transfer equipment 2 used by the transferor X and the intermediary institution Z such as a financial institution interposed between the transferor X and the payee Y. And a host computer 3 capable of communicating with the host computer 2. The transfer device 2 includes at least an input unit a and a refund amount display unit e for displaying a refund amount r. A transfer device 2 or a host computer 3 having a settlement execution means i
Either one of them may be configured to include a refund amount determining means c, a deposit amount determining means b, and a paid-in amount determining means d.

Further, in this case, in order to make the transferee X convenient for the transfer procedure, the transfer device 2 displays the deposit amount q or displays the deposit amount q, the transfer amount o, and the commission p. A deposit amount display means f for urging the transferor X to pay the deposit amount q, or the deposit amount s is displayed, or the deposit amount s, the transfer amount o, the commission p, and the refund amount r are displayed. It is also possible to provide at least one of the deposit amount display means g for urging the transferor X to pay the deposit amount s.

[0019]

Embodiments of the present invention will be described below with reference to FIGS.

(First Embodiment) In the settlement processing system of the present embodiment shown in FIG. 5, a transfer person X1 or an operator X2 performs a transfer procedure in a financial institution Z1 such as a bank, and the payment w is an account of the payee Y. It is preferably used when processing the process up to the deposit of Ya. Specifically, the payment processing system includes an ATM 21 and a bank Z used by the transferor X1.
Dedicated terminal 2 used by operator Z2 at window 1
2 and a host computer 3 of a bank Z1 having a database 31 which manages the account Ya of the payee Y and has the information.
And the dedicated terminal 22 and the host computer 3 are connected to the dedicated line 4
Computer system 1 configured to be communicable with 1
It is built by one.

The ATM 21 is a normal one having a touch panel or the like on the screen, and is operated by the transfer person X1 according to the guidance displayed on the screen. The dedicated terminal 22 is a normal terminal provided with a display, a keyboard for input, and the like, so that the operator X2 performs a predetermined operation. Each of the ATM 21 and the dedicated terminal 22 includes an input unit a for inputting predetermined items, and a transfer amount display unit g for displaying a transfer amount o, a commission p, a reimbursement amount r, and a transfer amount s. The fee p, the refund amount r, and the pay-in amount s will be described later. Then
In the input means a, the transferor X1 or the operator X2
According to the screen display, select the transfer type by cash or card, transfer destination financial institution (by branch), transfer destination account type, transfer destination account number, transfer destination settlement date, transfer amount, transfer processing type (telegraph or document ) And other necessary items A and the like are input.

The host computer 3 is installed inside the computer main body 31 and the bank Z1, and is a recipient Y of the settlement w.
A database 32 for managing the account Ta of the depositor, and processes information received from the ATM 21 or the dedicated terminal 22 via the dedicated line 41, and transmits the processed information to the ATM 21 or the like again via the dedicated line 41. It is constituted in. The database 32 stores customer information and the like, and communication information with the ATM 21 and the like are stored or updated via the computer main body 31 as necessary. Then, the computer main body 31
In step M21 or the like, the commission p is calculated based on the information A input by the input means a, and the transfer amount o and the commission p are calculated.
The deposit amount determining means b which determines the deposit amount q which is the total amount of the above, calculates the number of days in which the deposit o can be operated from the transfer date to the settlement date, and calculates the interest equivalent amount u corresponding to the number of days and the deposit amount o A refund amount determining means c for determining the refund r, a transfer amount determining means d for calculating a transfer amount s which is a difference between the deposit amount q and the refund amount r, and a difference t between the transfer o and the refund r to the transfer date. From the settlement date to the settlement date, and settlement execution means i for depositing the transfer amount v in the payee account Ya on the settlement date.

The computer main body 31 is an ATM.
21 and the dedicated terminal 22, when the information A input by the input means a is received, the content is confirmed, and based on the content, the deposit p is calculated by the deposit amount determining means b, and the commission p and the transfer amount are calculated. o and the sum q is determined. In the refund amount determining means c,
Calculate the interest amount u corresponding to the number of days in which the transfer money o can be operated from the transfer date to the settlement date and the transfer amount o, and
The interest amount equivalent amount u is determined as a refund amount r to be refunded to the transferor X1. Further, in the transfer amount determining means d,
The difference between the deposit amount q and the refund amount r is calculated, and the transferor X
1 determines the actual deposit amount s to be paid. The information determined by each of the above means is transferred to the computer main body 31.
Is transmitted to the ATM 21 or the dedicated terminal 22 from the
Confirmation items B such as the transfer amount o, the commission p, the refund amount r, the transfer amount s, and the payee account Ya are displayed on a screen such as M21.

The depositor X1 inputs the deposit amount s displayed on the screen to the ATM 21, or the operator X2 informs the dedicated terminal 2 that the deposit amount s has been received from the depositor X1.
2, the information is transferred to the computer main unit 31.
Sent to. Then, when the computer main body 31 receives the deposit, the fact is returned to the ATM 21 or the dedicated terminal 22, and is received as the usage statement C by the depositor X1.

On the other hand, upon receipt of the deposit s, the computer main unit 31 allocates the difference t between the transfer o and the refund r and the commission p, and manages the difference t by the deposit management means h until the settlement date. operate. Accordingly, the execution of the settlement is reserved until the day of the settlement, and the interest equivalent amount u equal to the refund r obtained during the settlement is added to the difference t. The corresponding amount v is paid into the payee account Ya as the settlement money w.

The flow of the procedure using the present settlement processing system having the above configuration is described as follows.
A case in which the transfer is made by cash using M21 will be specifically described.

First, the transferor X1 inputs predetermined items such as the transfer destination account Ya, the transfer amount o, and the settlement date in accordance with the guidance displayed on the screen of the ATM 21. The information A is transmitted to the computer main body 31 of the host computer 3 of the bank Z1 through the dedicated line 41. The computer main body 31 determines the fee p, the deposit amount q, the refund amount r, and the deduction amount s, and sends the information A to the ATM 21. Will be replied. A
On the screen of TM21, the transfer amount o, the commission p, the reimbursement amount r, the transfer amount s, and other confirmation items B are displayed. If the displayed item B is correct, the transferor X1 changes the transfer amount s to the ATM21. To When the paid-in amount s is counted by the ATM 21, the information is transmitted to the host computer 3, and when the information is received by the computer main body 31, the fact is returned to the ATM 21 and printed out as a usage statement C. In the computer main body 31, the difference t between the received transfer money o and the reimbursement money r is managed and operated as a medium- and short-term liquidity fund in a dedicated account or the like. The transfer amount v, which is the total amount with the amount u, is paid as the settlement amount w. The payee Y can confirm the fact that the payment w has been transferred by the payer X11 by checking his / her account Ya on the settlement date.

On the other hand, when the operator X2 of the bank Z1 uses the dedicated terminal 22, the dedicated terminal 22 is operated in accordance with the information such as the statement of payment submitted by the depositor X1 at the counter. It is almost the same.

When the transferor X1 makes a transfer by withdrawing the deposit o from his / her account using a card or a passbook, the transfer amount s is deducted from the account, and the transfer up to settlement is made. The flow of the procedure is almost the same as the above-mentioned cash transfer.

According to the settlement processing system of the present embodiment, the remittance person X1 can obtain more refunds r by performing the transfer procedure earlier than the settlement date. In other words, the amount actually paid by the transferor X1 is the deposit amount s, and the reimbursement r is discounted from the transfer o, and the reimbursement r is the profit of the transferor X1. Further, by prompting the transfer person X1 to make an early transfer, the payee Y can surely obtain the settlement w by preventing the transfer delay and non-payment, and furthermore, the transfer person X can transfer money to the intermediary institution Z1 such as a financial institution. It is possible to promote the use of the company Z1 for X1 and the payee Y, and to obtain medium- and short-term liquid funds that can be managed and operated from the transfer date to the settlement date.

Further, the present embodiment is constructed by a computer system 11 in which a transfer device comprising an ATM 21 and a dedicated terminal 22 and a host computer 2 installed in a financial institution Z1 such as a bank are connected by a dedicated line 41. The information A input to the input means a of the equipments 21 and 22 is processed by the host computer to calculate the commission p and the refund r, and the results are displayed on the transfer equipments 21 and 22, and are also received from the transferor X1. Since the transferred money o is managed by the host computer 3 and paid into the payee account Ya on the settlement date, the procedure from the transfer to the settlement can be smoothly performed.

(Second Embodiment) The present embodiment shown in FIG. 6 is a settlement processing system suitably used when paying a public utility with a designated settlement date at a convenience store Z2 or the like. In this embodiment, for convenience of explanation, “transfer”
Is called “payment”. This system is installed at the cashier counter of convenience store Z2 and payer X1
A register 23, which is a transfer device of the present invention for inputting the contents of the payment statement D brought by the user, and a convenience store Z
And a host computer 5 installed at the headquarters 2 and managing the information A input by the register 23.
It is constructed by the S system 12.

In the payment statement D, necessary items A such as the name of the payer, the payee financial institution (by head office and branch), the payee account type, the payee account number, the payee settlement date, the payment amount, etc. are represented by a bar code Da. It is filled in as information.

A register (hereinafter referred to as a POS register) 23 as input means a for inputting the bar code information Da.
Is connected to the host computer 5 through a dedicated line 42, and has a bar code reader 23a for reading bar code information Da. Barcode reader 23
The necessary items A read in a are input to the POS register 23 together with the date on which the payment statement D was handled (payment date) and transmitted to the host computer 5. Then, the pay-in amount s calculated by the host computer 5 as described below is returned to the POS register 23, and the pay-in amount s is displayed. That is, the POS cash register 23 includes the paid-in amount display means g.

On the other hand, the host computer 5
As in the embodiment, the computer main body 51 and the database 5
2 and the computer body 51 is a POS
Based on the input information A transmitted from the cash register 23, the number of days in which the payment o can be operated from the payment date to the settlement date is calculated, and the expected operation result (financial A refund amount determination means e is provided for determining an equivalent amount u (corresponding to an interest rate in the institution) as a refund amount r. The computer main body 51 communicates with the database 52 as necessary to update information. Further, the computer main body 51 is provided with a transfer amount determining means d for calculating a difference s between the payment amount o and the payout amount r determined by the payout amount determining means c, and is determined by the transfer amount determining means d. S
And information B of the payment o and the refund r,
To the POS cash register 23 to display the pay-in amount s on the POS cash register 23, and request the payer X1 to pay the pay-in amount s. Note that, in general, a fee is not charged in the procedure for paying a utility charge, and therefore, in the present embodiment, the commission is set to zero, and the above-mentioned transfer amount s is calculated only by the difference between the payment o and the refund r. Therefore, the transfer amount s in this case corresponds to the difference t between the transfer money o and the refund r in the first embodiment. When the cash-in amount s is paid at the cashier counter, PO
At the S cash register 23, the pay-in amount s, the payment amount o, and the refund amount r are output as a receipt E, and further the information is
It is sent from the OS cash register 23 to the computer main unit 51, and the computer main unit 51 manages and operates the paid-in amount s from the payment date to the settlement date. Further, on the settlement date, the computer main body 51 accesses the host computer 3 or the like of the financial institution Z1 or the like in which the payee Y of the utility charge has the account Ya, and transfers the pay-in amount s to the payee account Ya and the interest equivalent u in the payee account Ya. The added payment amount v is paid as the settlement amount w. That is, the host computer 5 of the convenience store Z2 includes a payment management unit h and a settlement execution unit i.

Next, a specific description will be given of a process from payment of a utility bill to settlement using the settlement processing system of the present embodiment.

First, when the payer X1 inputs the barcode display Da of the payment statement D presented at the cashier counter of the convenience store Z2 with the barcode reader 23a of the POS cashier 23, the information A is stored in the convenience store. Refund amount determination means c which is accessed by the host computer 5 of Z2 and provided in the computer main body 51
The payout amount r and the transfer amount s are determined by the transfer amount determining means d. When the determined information is transmitted from the computer main body 51 to the POS register 23, the PO
The pay-in amount s is displayed by the pay-in amount display means g of the S cash register 23. When the payer X1 pays the difference s, ie, the difference between the payment o and the refund r, the POS cash register 23
, A receipt E displaying the paid-in amount s, the paid amount o, and the refund amount r is output and passed to the payer X1.
On the other hand, when the deposit amount s is transmitted to the computer main body 51, the computer proceeds from that point in time to manage and operate the deposit amount s as medium- and short-term liquidity funds, and execute the settlement on the settlement date, that is, the payee. Y's bank account Y
The payment amount “v” is received as a payment amount “w” from the computer main body 51 into “a”. The payee Y can confirm the fact of the payment from the payer X1 by checking his / her account Ya on the settlement date.

Thus, according to the settlement processing system constructed by the POS system 12 of the present embodiment, the payer X1 can lower the amount to be paid and the payee Y can pay the settlement amount w, as in the first embodiment. And the convenience store Z2 or the like as an intermediary institution can promote the use of customers and obtain medium- to short-term liquidity funds, which can be beneficial to all three parties.

In each of the above embodiments, some or all of the refund amount determination means, the fee determination means, the deposit amount determination means, and the transfer amount determination means may be provided not on the host computer but on the transfer device side. it can.

In the first embodiment, the refund is not limited to the refund when the transferor performs the transfer procedure, but may be transferred to the transferor through the transferor's account or the like after execution of the settlement. Can also. That is, in the case where the transferor uses an ATM, the transferor inputs his / her account number in addition to the above-mentioned predetermined items and the like using the input means of the ATM. In the case of a transfer procedure using a card, the own account number recorded on the card is input. Then, only the fee and the deposit amount are determined by the fee determining means and the deposit amount determining means of the host computer based on the input information of the input means in the ATM.
On the screen, the transfer amount, the commission and the deposit amount are displayed. When the transferor enters the transfer money and the commission into the ATM according to the display, the host computer manages and operates the transfer money until the settlement date, deposits the transfer money into the payee account as the settlement money on the settlement date, and transfers the transfer money. Deposit the amount equivalent to the interest rate obtained by the operation of the transferor into the transferor account.

Further, in the case of so-called Internet banking, as shown in FIG.
A terminal such as a mobile phone 24 or a personal computer 25 that can communicate with the terminal of the bank Z1 or the host computer 3 via the Internet line 43 is used. That is, the host computer 3 and the mobile phones 24 and 25 constitute the computer system 13 of the present invention. In this case, a WWW server or an FTP server (hereinafter abbreviated as server 32) is installed in the host computer 3 or the like of the financial institution Z1 such as a bank, and connected to the mobile phones 24 and 25 via the Internet line 43, It is also connected to the database 31 and the like. The server 32 constituting a part of the host computer 3 may be installed outside the bank Z1 or the like so as to be connectable to both the transfer devices 24 and 25, the database 51 and the like. On the other hand, mobile phones 24, 25
Has input means a and payout amount display means e. However, in this case, the communication with the mobile phones 24 and 25 is mainly carried out by the server 32, and the commission p, the deposit amount q, the refund r and the like are determined by the server 32 or a part of the host computer 3, The deposit amount q and the refund amount r are displayed on the mobile phones 24 and 25 from the server 32 via the Internet line 43. Other procedures and execution of settlement are performed in substantially the same manner as in the first embodiment.

In addition, the specific configuration of each part is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the present invention.

[0043]

The present invention is embodied in the form described above and has the following effects.

That is, since the present invention is configured as described above, the following advantages are provided to each of a transferor, a payee, and an intermediary institution such as a financial institution or a convenience store that handles payment statements. can do.

In other words, if this settlement processing system is used, if the transfer is made earlier than the settlement date, the transfer money is discounted in the form of a refund according to the number of days from the transfer date to the settlement date. You can make a transfer at a lower rate than you paid. In addition, this encourages the transferee to make an early transfer, so that the payee can receive the settlement money more reliably on the settlement date, and the number of users is expected to increase for intermediaries, and Accordingly, more medium- and short-term operable liquid funds can be secured. In addition, since the process from the transfer procedure by the transfer person or the operator to the execution of the settlement is processed by the computer system, it is extremely efficient, and various benefits such as simplification of the transfer procedure and the subsequent processing and cost reduction can be obtained.

Further, if the transferor or the like inputs the settlement date in the input means, the reimbursement amount can be calculated efficiently together with the information input by the other input means.

Further, if the present settlement processing system is provided with a deposit amount determining means for determining a fee based on the input information and determining a deposit amount which is a total amount of the commission and the deposit, A person can efficiently determine the amount to be originally paid. Furthermore, if there is a transfer amount determining means for calculating the difference between the deposit amount thus determined and the reimbursement amount and determining the transfer amount, the amount to be finally paid by the transferor is determined. You can decide more quickly.

Specifically, the computer system constituting the present invention is installed in a transfer device used by a transferor or an operator, and in an intermediary institution such as a financial institution or a convenience store between the transferor and the receiver. A host computer is connected, and the two are communicably connected to each other, and the transfer device is provided with the input means and a refund amount display means for displaying a refund amount. By providing the refund amount determination means in either the device or the host computer, the role of each device can be efficiently distributed, and the convenience for those using the transfer device or the host computer can be effectively improved. it can.

In addition to the above configuration, even if the transfer device or the host computer is provided with a deposit amount determining unit and a transfer amount determining unit, the processing of the transfer procedure can be sped up. In this case, by providing at least one of the deposit amount display means and the transfer amount display means in the transfer device, it is also possible to improve the convenience of the transfer person during the transfer procedure.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram for describing an embodiment of the present invention.

FIG. 2 is an explanatory view of the same.

FIG. 3 is an explanatory view of the same.

FIG. 4 is an explanatory view of the same.

FIG. 5 is a schematic configuration explanatory view schematically showing the first embodiment of the present invention.

FIG. 6 is a schematic configuration explanatory view schematically showing a second embodiment of the present invention.

FIG. 7 is a schematic configuration explanatory view schematically showing a modified example of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Computer system 2 ... Transfer equipment 3 ... Host computer a ... Input means b ... Deposit amount determining means c ... Refund amount determining means d ... Deposit amount determining means e ... Refund amount display means f ... Deposit amount display means g ... Deposit amount display means i ... Payment execution means X ... Transfer person Y ... Payee Z ... Intermediary agency

Claims (7)

[Claims] 1. A settlement processing system constructed by a computer system, comprising: a transferor or an operator who performs a transfer procedure in accordance with the contents of a payment statement or the like presented by the transferor; Input means for designating and inputting intermediary institutions, accounts, etc., transfer amount, etc., and the number of days the transfer money can be operated from the transfer date to the predetermined settlement date based on the information input to the input means Calculates the interest rate corresponding to the transfer amount during the number of days, determines the refund amount to repay the interest amount to the transferor, and reserves the settlement of the transfer until the settlement date. A settlement processing system, comprising: settlement execution means for depositing the amount equivalent to the transfer money on the settlement day as a settlement money into a payee's account. 2. The settlement processing system according to claim 1, wherein said input means inputs a predetermined settlement date. 3. A deposit amount determining means for determining a fee based on the information input to the input means, and determining a deposit amount which is a total amount of the fee and the deposit. The settlement processing system according to claim 1. 4. A transfer amount determining means for determining a transfer amount by subtracting the repaid amount determined by the payout amount determining means from the deposit amount determined by the deposit amount determining means. The settlement processing system according to claim 3, wherein: 5. The computer system is installed in a transfer device used by a transfer person or an operator and an intermediary institution such as a financial institution interposed between the transfer person and the payee, and can communicate with the transfer device. The transfer device comprises at least the input means and a refund amount display means for displaying a refund amount, and the host computer comprises a settlement execution means; 5. The settlement processing system according to claim 1, wherein one of the device and the host computer includes a refund amount determination unit. 6. The computer system is installed in a transfer device used by a transfer person or an operator and an intermediary institution such as a financial institution interposed between the transfer person and the payee, and can communicate with the transfer device. The transfer device comprises at least an input means and a refund amount display means for displaying a refund amount, and the host computer comprises a settlement execution means. 5. The settlement processing system according to claim 4, wherein one of the host computers includes a refund amount determination unit, a deposit amount determination unit, and a transfer amount determination unit. 7. A deposit amount display means for displaying the deposit amount, or displaying the deposit amount, the transfer amount, and the commission, and prompting the payer to pay the deposit amount, or the transfer-in device. It is necessary to display at least one of the transfer amount display means for displaying the amount or displaying the transfer amount, the transfer amount, the fee, and the reimbursement amount, and prompting the transferor to pay the transfer amount. 7. The settlement processing system according to claim 6, wherein: