JP2002032583A - Money reception collating method and transfer request form - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a money reception collating method which is efficient for a recipient when transferring persons transfer money to the recipient through a financial institution respectively at a transfer request from the recipient. SOLUTION: A company (a) as the recipient when issuing transfer bills (f) and (g) to customers (b) and (c) as the transferring persons send transfer request forms having collation information printed and the financial institution (d) when receiving transfer requests from the transferring persons (b) and (c) extract the collation information from the transfer request forms and issues money reception detailed statements (h) having the collation information printed to the recipients.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for verifying payment of a payee when a plurality of payers make a transfer to the payee via a financial institution based on a transfer request from the payee. It relates to a transfer request form.

[0002]

2. Description of the Related Art For example, a goods seller or a service provider (hereinafter referred to as a company) bills a customer for the goods sale price and service fee, and the customer transfers the billed amount via a financial institution. Currently, when receiving payment by a customer's transfer via a financial institution, it is possible to confirm which billing party is the payment from, based on the name of the payer at the financial institution. In the present specification, the company is also referred to as a payee who receives a transfer from a customer, and the customer is also referred to as a transferor who transfers an amount charged to the company.

[0003] Also, recently, the recipient prepares a different virtual account number for each billing party, and if there is a deposit in the corresponding virtual account, the deposit is transferred to the original account.
A method is also adopted in which the virtual account number is added to the payment details to make it easy to confirm from which billing party the payment was made.

[0004]

In the case where the receiver checks the payment from the billing party based on the name of the transferee at the financial institution,
When a transfer is made with a name different from the billing party, for example, the name of a family member, friend, or the like, there is a problem that it is difficult to confirm from which billing party the payment was made. Also, in the method of preparing a different virtual account number for each billing party, the recipient holds a plurality (very large number) of virtual account numbers, and if any of these virtual account numbers receives a deposit, Each time, it is necessary to transfer the relevant deposit to the original account, and there is a problem that these processes are complicated and time-consuming.

[0005]

According to a first aspect of the present invention, there is provided a deposit verification method according to the present invention, wherein when a plurality of payers make a transfer to the payee via a financial institution based on a transfer request from the payee. In the method of verifying payment of a person, the recipient is:
When making a transfer request to each of the plurality of transferors, a transfer request sheet printed with matching information determined each time is sent, and the financial institution sends the printed transfer information of the matching information from the transferor. When performing a transfer process by a transfer request addressed to the recipient using a request sheet, extract collation information printed on the transfer request sheet, write the extracted collation information in a payment statement and provide the recipient with It is intended to be issued.

The transfer request form according to the present invention is a transfer request form in which a plurality of transferors request transfer to the payee via a financial institution based on a transfer request from the payee. Is provided with a dedicated column in which the recipient prints or writes the collation information determined each time the transfer request is made to each of the plurality of transferors.

[0007]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a processing system diagram of a payment matching method according to Embodiments 1 and 2 of the present invention, and FIG. 2 is a flowchart showing the order of each processing in FIG. Note that ST in FIG. 2 means steps, and corresponds to ST1 to ST6 in FIG. In FIG. 1, “a” sells goods, provides services, and the like to customers, issues bills for charges and fees to these customers, and performs payment processing for the amounts transferred by the customers via financial institutions. (In this example, the company name is A).

[0008] b and c are customers (persons) who are charged or charged by the company a, and c 'is a family of c.
The transfer is made in place of. d is a financial institution that accepts a transfer request from the customer b, c or c '(in this example, a bank whose bank name is Bank A). e is the billing data created by the company a, f and g are the bills issued by the company a to the customers b and c based on the billing data e, h
Is a payment statement issued by the bank d to the company a, and i is a customer DB (database) created and held by the company a.

First, in Embodiments 1 and 2 of the present invention,
The collation information used by the recipient to collate payments from a plurality of transferors will be described. Embodiments 1 and 2 of the present invention
, The member identification information (also referred to as a member number in the present specification) given to each customer by the company a, and a bill issuing number for each member (also referred to as a claim number in the present specification,
For example, using two-digit numbers 01 to 99 and attaching 01, 02, 03,... In the order of invoice issuance), for example, the member number is connected to the upper data and the current billing number is connected to the lower data to connect both data. To generate collation information. This means that when a customer receives a repeat order, the company (recipient) a
Is a repetition of the billing to the same customer, so that the billing number is added so that the number of the billing can be recognized this time.

First Embodiment In the first embodiment, a case is described in which a customer (transferor) transfers a billing amount via a financial institution using a bill and a transfer request issued by a company (recipient) requesting the price. Will be described. FIG. 3 is a diagram illustrating an example of entry of a bill and transfer request form according to the first embodiment of the present invention. Each process of the first embodiment will be described with reference to FIGS. In FIG. 1, the customer DBi held by the company a includes, for all customers who have at least once made a transaction with the company a,
At least, the customer name, the member number, and the previous billing number are stored as table data. Each time a new customer is obtained, data on the customer is added to the customer DBi.

In this example, the membership number of each customer is five-digit data obtained by concatenating the first one-letter alphabetic character and the following four-digit number, and the billing number is the two-digit number 01 to 01. 9
9 and update the number every time a bill is issued to the member. The company a reads out the member number and the previous billing number from the customer DBi for each customer who bills for the current price or fee, adds 1 to the previous billing number to obtain the current billing number, and Higher-level data, collation information connecting both data with the current billing number as lower-level data (in this example,
A seven-digit data consisting of a leading one-letter character followed by a six-digit number is generated. After generating the collation information,
The previous billing number of the customer in the customer DBi is updated to the current billing number.

Using the reference information of each customer for each bill, a bill / transfer request as shown in FIG. 3A or 3B is created (see ST1 in FIG. 2). Issued as bills f and g to customers b and c in FIG. 1 (see ST2 in FIG. 2). FIG. 3A shows an example in which the “verification information” entry field and the “client name” entry field are separate, and the collation information is pre-printed in the entry field by the recipient. FIG. 3B shows an example in which only a "client name" entry column is provided, and both the collation information and the customer name are printed in advance in this column by the recipient.

FIG. 3B shows an example in which the collation information is printed before the customer name, but the collation information is printed either before or after the customer name. If it is determined, the financial institution can separate and extract both information according to its location, so it may be before or after the customer name. In addition, the company a sends the invoice / transfer request to the financial institution d with the company a as a recipient in the collation information entry column in the case of FIG. In the case of, the collation information is printed before the customer name in the client name entry field, so when receiving a transfer request using these transfer request sheets from the transferor, When the payment information is issued to the company a by extracting or separating and extracting the collation information, a request is made in advance so that the collation information can be included.

The customers b and c, which have received the bill / transfer request issued by the company a, transfer the billed amount via the financial institution d (see ST3 in FIG. 2). In the example of FIG.
Although the customer b has made the transfer, the customer c has made the transfer by the family c 'instead of the customer. Therefore, the customer name is entered in the entry field of the client name in FIG. "Denki Yoshiko" instead of "Denki Hanako".

The financial institution d performs a transfer process from the transfer requesters b and c '(see ST4 in FIG. 2). At this time, based on the request from the recipient a, the collation information of the transfer requester printed on the invoice / transfer request is extracted, and a payment statement h for the recipient a including the collation information is created. . Then, the financial institution d issues payment details h from the transfer requesters b and c 'to the company (recipient) a (ST in FIG. 2).
5).

The company (recipient) a receiving the receipt h from the financial institution d compares the receipt h with the billing data e using the reference information included in the receipt as a key, and checks and confirms the receipt. (See ST6 in FIG. 2).

As described above, according to the first embodiment of the present invention, when a company sells goods or provides services to a customer, and charges the customer for the price, a bill issued by the company is used. Matching information including the customer's member number and the current billing number is printed on the transfer request form in advance, and when the financial institution receives a transfer request from the customer (transferr) using the transfer request form, the financial institution And the company (recipient) is required to extract the above collation information and to notify the company (recipient) with the extracted collation information in the payment statement issued by the financial institution. It is possible to efficiently carry out the collation and confirmation of whether or not the payment is made.

Second Embodiment In the second embodiment, the company (recipient) issues only an invoice to the customer, and the customer (transferor) uses the transfer request form prepared by a general financial institution to notify the recipient. A description will be given of a process in the case where the transfer of the billing amount is performed.

FIG. 4 is a diagram showing an example of entry of a transfer request form of a financial institution according to the second embodiment of the present invention. FIG. 4A shows an example of a case where there is an entry field for filling in if there is a designated number separately from the column of the client, and FIG. 4B shows an example of a case where this entry field is not provided. . In the processing of the second embodiment, the transfer request used by the customer (transfer person) is prepared by a general financial institution and the verification information is not printed in advance, so the transfer person himself describes the verification information. This is different from the first embodiment in that it needs to be performed. Other processes are almost the same as those in the first embodiment, and only the processes different from the first embodiment will be described with reference to FIG.

In the second embodiment, the company a requesting the price also uses the collation information (customer member number + current bill number) described in the first embodiment when creating the bill in ST1 of FIG. Generate. Then, when issuing the bill to the customer in ST2 of FIG. 2, the collation information is described in the bill, and when the customer makes a transfer request at a financial institution,
If the transfer request form prepared by the financial institution has a designated number entry field, check information is entered in this entry field as shown in FIG. 4A, and if there is no designated number entry field, FIG. As shown in (b) above, the collation information is entered at the top of the client entry column, and then each customer is asked to enter the name of the client.

Further, when the company a performs a transfer process to the financial institution d with the company a as a recipient, if the transfer request form is shown in FIG. In the case of FIG. 4B, both pieces of information described in the form of “collation information + transfer person name” are automatically separated and extracted in the case of FIG. When creating a receipt statement for the company a, the receipt statement is created and issued in the same format as the receipt statement h in the first embodiment, that is, in a format in which the transferee name and the collation information are output as information of different items. Is requested in advance.

The customers b and c, having received the bill issued by the company a, transfer the billing amount using the transfer request form prepared by the financial institution in ST3 of FIG. As described above, it is assumed that the collation information described in the bill is entered in the transfer request form according to the entry example of FIG. 4 (a) or (b). When performing the transfer processing from the transfer requesters b and c (or c '), the financial institution d designates the transfer request form as shown in FIG. The collation information is extracted from the number entry column, and the collation information and the transferor name are separated and extracted from the client name entry column in the case of FIG. 4B, and the collation is performed in the same format as in the first embodiment. Payment details h for the recipient a including the information
Is created (ST4 in FIG. 2). Then, the financial institution d issues payment details h from the transfer requesters b and c (or c ') to the company (recipient) a (ST5 in FIG. 2).

The company (recipient) a that has received the receipt h from the financial institution d compares the receipt h with the billing data e using the reference information included in the receipt as a key.
The payment is checked and confirmed (see ST6 in FIG. 2).

As described above, according to the second embodiment of the present invention, when a company sells goods or provides services to a customer, and charges the customer for the price, the company issues a bill. Notify the collation information including the customer's member number and the current billing number, and have the customer fill out the collation information in the transfer request form when the customer performs the transfer process using the transfer request form prepared by the financial institution. When a financial institution receives a transfer request from a customer (transferr), the financial institution causes the financial institution to extract the above collation information, and describes the extracted collation information in a payment statement issued by the financial institution, and describes the company (recipient ), The company can efficiently execute the collation and confirmation of which invoice is the payment.

[0025]

As described above, according to the present invention, when a plurality of payers make a transfer to the payee via a financial institution based on a transfer request from the payee, the payee receives the payout. In the matching method, the payee sends a transfer request sheet printed with matching information determined each time the transfer request is made to each of the plurality of transferees, and the financial institution receives the transfer request form from the transferor. When performing a transfer process based on a transfer request to the recipient using the transfer request sheet on which the matching information is printed, the matching information printed on the transfer request sheet is extracted, and the extracted matching information is deposited. Since the payee is described in the specification and is issued to the payee, the payee can efficiently perform the collation and confirmation of which transfer request is the payment.

In the present invention, in a transfer request form in which a plurality of payers request a transfer to the payee via a financial institution on the basis of a transfer request from the payee, the payee may include the plurality of payees. The transfer information determined each time a transfer request is made to each transferor is printed by the receiver, or a transfer request sheet provided with a dedicated column for the transferor to be prepared is prepared. Therefore, the financial institution can easily extract the collation information from the transfer request form, and the number of errors in the extracted information is small.

[Brief description of the drawings]

FIG. 1 is a processing system diagram of a payment matching method according to Embodiments 1 and 2 of the present invention.

FIG. 2 is a flowchart showing an order of each processing in FIG. 1;

FIG. 3 is a diagram illustrating an example of entry of a bill and transfer request form according to the first embodiment of the present invention.

FIG. 4 is a diagram showing an example of entry of a transfer request form of a financial institution according to Embodiment 2 of the present invention.

[Explanation of symbols]

 a Company (payee) b, c Customer (transferr) d Financial institution e Claim data f, g Invoice h Payment details i Customer DB (database)

Claims (4)

[Claims] The method of claim 1, wherein the plurality of payers make a transfer to the payee via a financial institution based on a transfer request from the payee. At the time of making a transfer request to each of the plurality of transferors, a transfer request sheet printed with matching information determined each time is sent, and the financial institution sends the transfer request printed with the matching information from the transferor When performing a transfer process based on a transfer request to the recipient using a form, the collation information printed on the transfer request sheet is extracted, and the extracted collation information is described in a payment statement and issued to the recipient. A payment matching method characterized in that it is performed. 2. A method of verifying a payment of a payee when each of the plurality of payers makes a transfer to the payee via a financial institution based on a transfer request from the payee, wherein the payee is When making a transfer request to each of a plurality of transferors, the transfer information is notified and the matching information is requested to be described on a transfer request form, and the financial institution is requested to receive the transfer information from the transferor. When performing a transfer process by a transfer request addressed to the recipient using the transfer request sheet in which verification information is described, the verification information described in the transfer request sheet is extracted, and the extracted verification information is included in a payment statement. A payment collation method characterized in that it is described and issued to the recipient. 3. The verification information which is determined each time the payee makes a transfer request to each of the plurality of payees includes at least the payee as a member of each of the plurality of payees as members. 3. The payment matching method according to claim 1, further comprising member identification information given to the member and a billing number assigned in the order in which bills are issued to the member. 4. A transfer request form in which each of a plurality of payers requests a transfer to the payee via a financial institution based on a transfer request from the payee, wherein the payee is assigned to each of the plurality of payers. A transfer request sheet, characterized in that the payee prints collation information determined each time a transfer request is made, or has a dedicated column for the transferee to write.