JP2002049749A - System and method for managing settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide new settlement technology, capable of performing settlements even from an institution other than a designated financial institution without troubles or incurring cost. SOLUTION: In the system for conducting the settlement from a financial institution Mz other than a financial institution My designated by an institution Mx on the basis of a document Ms dispatched from the institution Mx to a client Mk, this system has an input means, and a control means, capable of instructing the dispatch of the document Ms to the financial institution My by remitting the amount of demand from an account in the name of the client Mk, which is opened in the financial institution Mz, to the financial institution My on the basis of information concerning the financial institution My described on the document Ms, inputted by this input means and/or information concerning the amount of the demand described on the document Ms.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a payment management system and a payment management method.

[0002]

When a payment such as a utility bill or tax is paid, a financial institution that pays the payment is often specified. It is a so-called designated financial institution. If it is a local tax, the local financial institution is designated as the designated financial institution.

For example, in the case of Tokyo, "designated financial institution:
□□ Bank (in Tokyo) ”will be sent. The recipient of this payment slip went to a branch of the □□ bank operating in Tokyo to settle the payment.

[0004] However, there are those who are not in Tokyo when the bank is open. For example, those who work in Kanagawa Prefecture. In this case, it was necessary to spend time and money to go to the Tokyo branch of Tokyo. Therefore, it would be convenient if the payment could be paid even from XX Bank, which is operating in Kanagawa Prefecture.

[0005] Further, in a company having offices in different regions, there are cases where accounting is centrally managed by the head office. In this case, the staff of each office receiving the payment request had asked the head office to transfer the amount to be paid to an account in the name of the office.
The headquarters staff who received the request transferred the amount to be paid from the account in the name of the headquarters to the account in the name of each business establishment. The staff of the establishment withdraws the amount of cash transferred to the account in the name of the establishment, and submits the withdrawn cash and the payment slip brought to the designated financial institution for settlement. In addition, if payment is received from a different designated financial institution, the staff of the establishment will go to each designated financial institution, go to each designated financial institution with the cash withdrawn and the payment receipt brought,
I was making payments.

Therefore, it would be advantageous if the payment could be settled even from a financial institution near the head office.

[0007] Accordingly, an object of the present invention is to provide a new settlement technique that can be settled even from a non-designated financial institution without any trouble and cost.

[0008]

The object of the present invention is to provide a system for performing settlement from a financial institution Mz other than the financial institution My designated by the institution Mx based on a document Ms sent from the institution Mx to the customer Mk. Wherein the system is based on input means and information on the financial institution My entered in the document Ms and / or information on the amount of the claim entered in the document Ms entered by the input means. Control means for remittance processing the amount of the request from the account in the name of the customer Mk established at the financial institution Mz to the financial institution My and instructing the financial institution My to send out the document Ms. It is solved by a settlement management system characterized by having.

[0009] With this configuration, it is possible to make a payment from a source other than the designated financial institution without any trouble (cost) or time.

[0010] In particular, the settlement management system includes a storage unit having an area for storing information on the financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My. The control means includes:
Detecting means for reading and detecting, from the storage means, the identification information of the branch of the financial institution My associated with the information on the financial institution My input by the input means; and detecting the customer information based on the information detected by the detecting means. Means for remittance processing of the amount of the request from the account in the name of Mk to the branch of the financial institution My, and instructing the branch of the financial institution My to send out the document Ms.

The control means includes means for moving the bill from the account in the name of the customer Mk to an account in the name of the financial institution Mz, and identification of a branch of the financial institution My detected by the detecting means of the control means. Means for instructing remittance of the requested amount from an account in the name of the financial institution Mz to an account in the name of the branch of the financial institution My based on the information.

Further, the settlement management system has an output means, and the control means, when the amount of the claim is transferred from the account in the name of the customer Mk to the account in the name of the financial institution Mz, is described in the document Ms. Financial institution Mz
And means for outputting the information to the effect that the information has been received by the output means.

Further, the settlement management system has an output unit, and the control unit sets a predetermined date based on the information on the payment date described in the document Ms input by the input unit. It is characterized by having means for outputting information to the effect that the amount of the claim has been deposited to the account in the name of the customer Mk to the output means.

By this means, the customer can grasp the dispensing status. For example, a company having offices in different regions can centrally manage accounting at the head office.

Further, the settlement management system has a central processing unit connected to a terminal device of the customer Mk via a network, and the central processing unit includes the control unit, the input unit, and the output unit. , The storage means, and communication means connected to the network, and the control means of the central processing unit controls the document M inputted by the input means.
Based on the information on the payment date described in s, the information to the effect that the amount of the claim has been deposited in the account in the name of the customer Mk by a predetermined date is sent to the communication means toward the terminal device. It has means for transmitting.

In particular, when the control means of the central processing unit performs the remittance processing of the billed amount to the financial institution My,
The information processing apparatus further comprises means for causing the communication means to transmit information indicating that the remittance processing has been performed to the terminal device of the customer Mk.

The institution Mx is a nation, a government office, a government office, and / or a public organization.

The document Ms is a payment slip.

Further, the information on the financial institution My is information including information on the area of the financial institution My.

Further, the above-mentioned problem is solved by a system having a control means, an input means and an output means, and a system in which an institution Mx sends a customer M
A method for performing settlement from a financial institution Mz other than the financial institution My specified by the institution Mx using the document Ms sent to the address k, and information on the financial institution My described in the document Ms; And / or step 101 in which information relating to the amount of the claim described in the document Ms is input by the input means,
Based on the information entered in step (a), the amount of the request is remitted from the account in the name of the customer Mk established at the financial institution Mz to the financial institution My, and the document Ms is sent to the financial institution My. And a step 102 for instructing the settlement.

By these steps, labor (cost)
Payments can be made from non-designated financial institutions without spending time or money.

In particular, the system used by the settlement management method includes a storage unit having an area for storing information on the financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My. In the settlement management method, the control unit may read out from the storage unit the identification information of the branch of the financial institution My associated with the information on the financial institution My input by the input unit and detect the read out 111. Step 102 of the settlement management method includes the step of:
Based on the identification information of the branch of the financial institution My detected in step 1, the amount of the claim is remitted from the account in the name of the customer Mk to the branch of the financial institution My, and the remittance processing is performed toward the branch of the financial institution My. A step of instructing sending of the document Ms.

Further, in the settlement management method, the control means may move the billing amount from the account in the name of the customer Mk to an account in the name of the financial institution Mz. Detected financial institution M
a step 122 of instructing the remittance of the bill amount from the account in the name of the financial institution Mz to the account in the name of the branch of the financial institution My based on the identification information of the branch of y.

Further, in the settlement management method, when the control means moves the bill amount from the account in the name of the customer Mk to an account in the name of the financial institution Mz, the bill amount described in the document Ms And outputting the information to the output means to the effect that the financial institution Mz has been received by the financial institution Mz.

Further, in the settlement management method, step 141 in which information on the due date of the payment described in the document Ms is input by the input means, and the control means controls the payment of the payment input in the step 141 by the input means A step 142 of outputting, to the output means, information indicating that the amount of the bill has been deposited into the account in the name of the customer Mk by a predetermined date based on the information on the date.

By these steps, the customer can grasp the dispensing status.

The system used by the settlement management method includes a central processing unit (the control unit, the input unit, the output unit, the storage unit, and the communication unit) connected to a terminal device of the customer Mk via a network. Equipped),
In the settlement management method, the control unit of the central processing unit includes:
Based on the information on the due date of payment described in the document Ms entered in the step 141, the information indicating that the amount of the claim has been deposited into the account in the name of the customer Mk by a predetermined due date, A step 151 of transmitting the data to the communication unit of the central processing unit toward the terminal device is provided.

Further, in the settlement management method, when the control means of the central processing unit performs a remittance process on the billed amount to the financial institution My, information indicating that the remittance process has been performed is transmitted to the terminal device of the customer Mk. And transmitting the data to the communication means of the central processing unit.

[0029]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A settlement management system according to the present invention is based on a document Ms sent from an institution Mx to a customer Mk, and a financial institution M other than the financial institution My designated by the institution Mx.
A system for performing settlement from z, wherein the system includes an input unit, and information related to the financial institution My described in the document Ms input by the input unit and / or a request described in the document Ms. Based on the information on the amount of the payment, the amount of the request is remitted from the account in the name of the customer Mk established at the financial institution Mz to the financial institution My, and instructs the financial institution My to send the document Ms. Control means capable of causing the In particular, the settlement management system includes a storage unit having an area for storing information on the financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My, and the control unit Detecting means for reading and detecting the identification information of the branch of the financial institution My associated with the information on the financial institution My input by the input means from the storage means, and based on the information detected by the detecting means, Means for remittance processing of the bill amount from the account in the name of the customer Mk to the branch of the financial institution My, and instructing the branch of the financial institution My to send out the document Ms. or,
The control means, based on the means for moving the amount of the claim from the account in the name of the customer Mk to the account in the name of the financial institution Mz, and the identification information of the branch of the financial institution My detected by the detection means of the control means, Means for instructing the remittance of the requested amount from the account in the name of the financial institution Mz to the account in the name of the branch of the financial institution My. Further, the settlement management system has an output unit, and the control unit is described in the document Ms when the amount of the claim is moved from the account in the name of the customer Mk to the account in the name of the financial institution Mz. A means for causing the output means to output information indicating that the amount of the claim has been received by the financial institution Mz. Further, the settlement management system has an output unit, and the control unit, based on the information on the payment date described in the document Ms input by the input unit, the customer Mk by a predetermined date. Means for outputting to the output means information indicating that the amount of the claim has been deposited into an account in the name of the user. Specifically, the payment management system includes a central processing unit connected to a terminal device of the customer Mk via a network, wherein the central processing unit includes the control unit, the input unit, and the output unit. , The storage means, and communication means connected to the network, wherein the control means of the central processing unit, based on the information on the due date of payment described in the document Ms input by the input means Means for transmitting to the terminal means information to the effect that the amount of the claim has been deposited into the account in the name of the customer Mk by a predetermined date. In particular, when the control means of the central processing unit performs the remittance processing of the amount of the claim toward the financial institution My,
Means for causing the communication means to transmit information indicating that the remittance processing has been performed to the terminal device of the customer Mk. For example, the institution Mx is a nation, a government office, a government office, and / or a public entity. The document Ms is a payment slip. or,
The information on the financial institution My is information including information on the area of the financial institution My.

The settlement management method according to the present invention uses the system including the control means, the input means, and the output means, and the document Ms sent from the organization Mx to the customer Mk.
This is a method for performing settlement from a financial institution Mz other than the financial institution My designated by x, and includes information on the financial institution My described in the document Ms and / or information on the amount of the claim described in the document Ms. Is input by the input means, and the control means sets the financial institution Mz based on the information input in the step 101.
From an account in the name of customer Mk established in
And sending the document Ms to the financial institution My. In particular, the system used by the payment management method includes:
The payment management method further includes a storage unit having an area for storing information on the financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My. Reading out the identification information of the branch office of the financial institution My associated with the information on the financial institution My inputted by the input means from the storage means and detecting the same; and the step 102 of the settlement management method comprises the steps of: The control means, based on the identification information of the branch of the financial institution My detected in the step 111, performs the remittance processing of the amount of the claim from the account in the name of the customer Mk to the branch of the financial institution My. This is a step of instructing the branch to send out the document Ms. or,
In the settlement management method, the control unit moves the billing amount from the account in the name of the customer Mk to the account in the name of the financial institution Mz, and the control unit detects the financial institution My detected in the step 111. From the account in the name of the financial institution Mz based on the identification information of the branch of the financial institution My
Instructing the remittance of the requested amount to the account in the name of the branch. Further, in the settlement management method, the control means may control the financial institution M from the account in the name of the customer Mk.
When the amount of the claim is transferred to an account in the name of
Step S131 of causing the output unit to output information indicating that the billing amount described in s has been received by the financial institution Mz. Further, in the settlement management method, the step 141 in which the information on the due date of the payment described in the document Ms is inputted by the input means, and the step in which the control means makes the information on the due date of the payment inputted in the step 141 And outputting to the output means information indicating that the amount of the claim has been deposited into the account in the name of the customer Mk by a predetermined date. The system used by the settlement management method includes a central processing unit (including the control unit, the input unit, the output unit, the storage unit, and the communication unit) connected to a terminal device of the customer Mk via a network. In the settlement management method, the control means of the central processing unit may store the payment information in the account in the name of the customer Mk based on the information on the payment date written in the document Ms input in the step 141. There is a step 151 of transmitting information to the effect that the amount of the claim has been paid by a predetermined date to the communication means of the central processing unit toward the terminal device. Further, in the settlement management method, when the control means of the central processing unit performs a remittance process on the amount of the bill toward the financial institution My, information on the remittance process is sent to the terminal device of the customer Mk. There is a step 161 of causing the communication means of the central processing unit to transmit.

Hereinafter, a more detailed description will be given with reference to FIGS.

FIG. 1 is a configuration diagram of a payment management system according to the present invention. FIG. 2 is a table 1B1 according to the present invention. FIG. 3 is a table 1B2 according to the present invention. FIG. 4 is a flowchart of the present invention. FIG. 5 is a time chart of the present invention.

In each figure, reference numeral 1 denotes a central processing unit, which is installed, for example, at an information center of a financial institution Mz.
The central processing unit 1 includes a control unit (for example, MPU: Mic
roProcessing Unit) 1A, storage means (for example, ROM, RAM and / or HDD) 1B storing programs executed by the control means 1A, input means (for example, keyboard, mouse and / or touch panel) 1C, communication means ( For example, modem and / or LAN
A card 1D, an output unit (for example, a monitor and / or a printer) 1E, and a reading unit (scanner) 1F.

Reference numeral 2 denotes a terminal device, for example, a personal computer owned by the customer Mk. Terminal device 2
Means control means (for example, MPU: Micro Proc)
essing Unit) 2A, storage means (for example, RO) in which a program executed by the control means 2A is stored.
M, RAM and / or HDD) 2B, input means (for example, numeric keypad, joystick and / or touch panel) 2C, communication means (for example, modem and / or TA)
2D, output means (eg, monitor and / or printer)
2E and a reading unit (scanner) 2F.

Ms is a document, such as a state, a government office,
This is a payment slip sent from the agency Mx such as a government office or a public organization to the customer Mk. The document Ms contains information on the name of the customer Mk "Tanaka Co., Ltd." and the famous spot of the institution Mx "Adachi City Office **
Section "" and information on the financial institution My (designated financial institution) designated (specified financial institution) by the institution Mx.

The communication means 1D of the central processing unit 1 and the communication means 2D of the terminal device 2 communicate via a network. This network is, for example, a general public line or the Internet.

The storage unit 1B of the central processing unit 1 stores the document M
s identification information, information on the name of the customer Mk, information on the account number of the account in the name of the customer Mk, information on the due date of the payment, information on the amount of the payment, information on the name of the institution Mx, and information on the name of the institution Mx. Table 1B1 in which item information, information on financial institution My (designated financial institution), and settlement status information are associated with each other.
Is stored.

Here, the identification information of the document Ms is identification information for the financial institution Mz to manage the document Ms. The identification information of the document Ms is generated by the control unit 1A of the central processing unit 1 so as to be unique information. For example, as shown in FIG. 2, the control unit 1A of the central processing unit 1
Indicates the serial number of the identification information of the document Ms (2001, 2002, 2
003, 2004...).

The information on the name of the customer Mk is information on the name of the customer Mk who has been requested to be paid and described in the document Ms. For example, as shown in FIG. 2, the document Ms "2001"
The information of the name of the customer Mk described in the above is “Tanaka Corporation”. Further, the information of the name of the customer Mk described in the document Ms “2002” is “Tanaka Corporation”. The information of the customer name described in the document Ms “2003” is “Tanaka Corporation”. The information of the customer name described in the document Ms “2004” is “Taro Miwa”.

Information on the account number of the customer Mk is stored in the financial institution M
This is information on the account number of the account in the name of the customer Mk established in z. For example, as shown in FIG. 2, the information of the account number of the customer “Tanaka Corporation” is “123 * 567”.
In addition, the account number information of the account of customer "Taro Sanwa"
It is “225 * 323”.

The information on the date of payment is information on the date of payment described in the document Ms, that is, information on the time limit for payment. For example, as shown in FIG.
Information on the date of payment described in "2001"
"June 21, 2000". Also, the document Ms "2
002 ”is the date of payment.
June 25, ". Further, the information on the date of payment described in the document Ms “2003” is “July 21, 2000”. In addition, information on the date of payment described in the document Ms “2004” is “July 10, 2000
Day ”.

The information on the amount of payment is information on the amount of payment described in the document Ms. For example, as shown in FIG. 2, the information of the amount of payment described in the document Ms “2001” is “2700 yen”. Also, the document Ms “20
02 ", the information on the amount of the payment is" 1200
Yen ". The information on the amount of payment described in the document Ms “2003” is “2400 yen”. Also,
The information of the amount of payment described in the document Ms “2004” is “3500 yen”.

The information on the name of the institution Mx is information on the name of the institution Mx that has requested payment as described in the document Ms. For example, as shown in FIG. 2, the information of the name of the institution Mx described in the document Ms “2001” is “National Tax Bureau **
Section ". The information on the name of the institution Mx described in the document Ms “2002” is “Tokyo Metropolitan Government ** Section”. The information on the name of the institution Mx described in the document Ms “2003” is “Adachi Ward Office ** Section”. The information on the name of the institution Mx described in the document Ms “2004” is “Chiyoda-ku government office ** section”.

The information on payment items is information on payment items described in the document Ms. For example, tax and water bill.

The information relating to the financial institution My (designated financial institution) is the name and area information of the financial institution My (designated financial institution) described in the document Ms. For example, FIG.
As shown in the above, the information on the financial institution My (designated financial institution) described in the document Ms “2001” is “@bank Japan”. The information for the financial institution My (designated financial institution) described in the document Ms “2002” is “□□ Bank in Tokyo”. Document Ms
The information on the financial institution My (designated financial institution) described in “2003” is “□□ Bank Adachi-ku”. The information on the financial institution My (designated financial institution) described in the document Ms “2004” is “□□ Bank in Chiyoda-ku”.

The settlement status information is information on the progress of the settlement process. For example, as shown in FIG.
The information of the settlement status of “001” is “completed”. Also,
The information on the settlement status of the document Ms “2002” is “completed”. The information on the settlement status of the document Ms “2003” is “unprocessed”. The information on the settlement status of the document Ms “2004” is “specification issued”.

The storage means 1B of the central processing unit 1
It has an area for storing a table 1B2 in which information on the financial institution My (designated financial institution) is associated with the identification information of the branch of the financial institution My (designated financial institution).

Here, the identification information of the branch of the financial institution My (designated financial institution) refers to the branch to which the financial institution Mz remits the payment amount among the branches designated by the information on the financial institution My (designated financial institution). Is the name information. For example,
As shown in FIG. 3, the identification information of the branch of the financial institution My (designated financial institution) associated with the information about the financial institution My (designated financial institution) “□□ Bank Japan” is “□□ Bank Kasumigaseki Branch”. is there. In addition, the identification information of the branch of the financial institution My (designated financial institution) associated with the information on the financial institution My (designated financial institution) “□□ Bank in Tokyo” is “□□ Bank Shinjuku Branch”. In addition, the identification information of the branch of the financial institution My (designated financial institution) associated with the information on the financial institution My (designated financial institution) “□□ Bank Adachi-ku” is “□□ bank Chuo Honcho branch”. Also, the financial institution M associated with the information on the financial institution My (designated financial institution) “□□ Bank Chiyoda-ku”
The identification information of the branch of y (designated financial institution) is “□□ Bank
Otemachi Branch ". Further, the identification information of the branch of the financial institution My (designated financial institution) associated with the information on the financial institution My (designated financial institution) “@bank Japan” is “@bank Hibiya branch”.

The control means 1A of the central processing unit 1 reads out the identification information of the branch of the financial institution My associated with the information on the financial institution My (designated financial institution) from the table 1B2 of the storage means 1B and detects it. Having.

Next, in order to specifically explain, the engine Mx
The description will be made on the assumption that the “Adachi Ward Office ** section” sends the document Ms (payment note) to the customer Mk “Tanaka Corporation”.

First, the organization Mx “Adachi City Office ** Section”
Information on financial institution My (designated financial institution) that specifies payment “□□ Bank Adachi-ku”, information on amount requested for payment “2400 yen”, information on payment due date “July 2, 2000”
One day ", a document Ms describing information" Tanaka Co., Ltd. "of the name of the customer Mk who requests payment is created. Then, the created document Ms is sent to the Adachi office of the customer Mk “Tanaka Corporation”.

The employee of the Adachi office of the customer Mk "Tanaka Corporation" who has received the document Ms sends the received document Ms to the head office of the customer Mk "Tanaka Corporation". That is, the documents Ms received by each branch are collected at the head office of the customer Mk “Tanaka Corporation”.

An employee at the head office of the customer Mk "Tanaka Corporation" sends the collected documents Ms to the financial institution Mz. Further, when conducting the transaction according to the present invention for the first time, the customer Mk “Tanaka Co., Ltd.”
567 "is notified to the financial institution Mz and registered.

The employee of the financial institution Mz receiving the document Ms from the customer Mk “Tanaka Corporation” goes to the place where the central processing unit 1 is installed with the payment slip.

The control means 1A of the central processing unit 1 reads "1.
1. Registration of document Ms ... Are displayed on the monitor (output unit 1). The staff of the financial institution Mz who saw this display entered the keyboard (input means 1).
Enter "1" in C). Thereby, the central processing unit 1
Is input from the keyboard (input means 1C) to the control means 1A. That is,
The control means 1A of the central processing unit 1 knows that the information of "1. Registration of the document Ms" has been selected.

The control means 1A of the central processing unit 1, which has learned that the information of "1. Registration of the document Ms" has been selected, generates identification information of the document Ms so as to be a serial number. Here, it is assumed that “2003” is generated as the identification information of the document Ms.

The control means 1A of the central processing unit 1 stores the generated identification information "2003" of the document Ms in the storage means 1B.
In the table 1B1.

Next, the control means 1A of the central processing unit 1
The information of "Please enter the name of the customer described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the name "Tanaka Co., Ltd." described in the document Ms with the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the input information of the name "Tanaka Corporation" in the table 1B1 of the storage means 1B.

The control means 1A of the central processing unit 1
The information "input customer account number" is displayed on the monitor (output means 1E). The staff of the financial institution Mz who sees this display inputs the information of the account number “123 * 567” of the account of the customer Mk registered in advance using the keyboard (input means 1C). Control means 1A of central processing unit 1
Is the account number “123” of the entered account of the customer Mk.
* 567 ”is stored in the table 1B1 of the storage unit 1B.

The control means 1A of the central processing unit 1
The information of "Please input the date of payment described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the payment date “July 21, 2000” described in the document Ms with the keyboard (input means 1C). The control means 1A of the central processing unit 1 determines that the input date "2000
1B1 in the storage means 1B.
To memorize.

The control means 1A of the central processing unit 1
The information of "Please input the amount of payment described in the document Ms" is displayed on the monitor (output unit 2E). The staff of the financial institution Mz who sees this display inputs the information of the payment amount "2400 yen" described in the document Ms by using the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the information of the input payment amount "2400 yen" in the table 1B1 of the storage means 1B.

The control means 1A of the central processing unit 1
The information "input the name of the institution Mx described in the document Ms" is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who sees this display inputs the information of the name of the institution Mx “Adachi Ward Office ** Section” described in the document Ms using the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the input information of the name of the engine Mx "Adachi Ward Office ** Section" in the table 1B1 of the storage means 1B.

The control means 1A of the central processing unit 1
The information of "Please input the payment item described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the payment item "** tax" described in the document Ms with the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the information of the input claim item "** tax" in the table 1B1 of the storage means 1B.

The control means 1A of the central processing unit 1
The information of "Please input the designated financial institution described in the document Ms" is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who saw this display, the document Ms
Information about the financial institution My (designated financial institution) described in "2003" is entered using the keyboard (input means 1C) of the information of "□□ Bank Adachi-ku". Central processing unit 1
The control means 1A stores in the table 1B1 of the storage means 1B the information on the inputted information on the financial institution My (designated financial institution), "□□ Bank Adachi-ku".

Information on the name “Tanaka Co., Ltd.” of the customer Mk,
Information of the account number “123 * 567” of the account of the customer Mk,
Information on the date of payment "July 21, 2000", information on the amount of payment "2400 yen", name of institution Mx "Adachi City Office *
Information on “section”, information on payment items “** tax” and information on financial institution My (designated financial institution) “□□ Bank Adachi-ku” are stored in the table 1B1 of the storage means 1B in association with the document Ms. The control means 1A of the central processing unit 1
The information of “1. Register the next document Ms 2. End the registration work” is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who sees this display inputs "2" with the keyboard (input means 1C). Thereby, the keyboard (input means 1) is provided to the control means 1A of the central processing unit 1.
Information indicating that “2” has been pressed is input from C). That is, the control means 1A of the central processing unit 1 knows that the information of "2. End the registration work" is selected.

The control means 1A of the central processing unit 1 having learned that the information of "2. End the registration work" is selected,
"1. Registration of document Ms 2. Preparation of specification, ..."
Is displayed on a monitor (output means 1E). The staff of the financial institution Mz who sees this display inputs "2" with the keyboard (input means 1C). As a result, information to the effect that "2" has been pressed is input to the control means 1A of the central processing unit 1 from the keyboard (input means 1C). That is, the control unit 1A of the central processing unit 1 knows that the information of “2.

The control means 1A of the central processing unit 1 having learned that the information of "2. Create statement" has been selected monitors the information of "Please input the name of the customer who creates the statement". (Output means 1E). The staff of the financial institution Mz who sees this display inputs the information of the name "Tanaka Corporation" of the customer Mk with the keyboard (input means 1C).
The control means 1A of the central processing unit 1 reads the information of the settlement status associated with the input information of the name of the customer Mk "Tanaka Corporation", and the read information is "unprocessed".
Of the document Ms is read.

Then, the control means 1A of the central processing unit 1
Is information on the name of the institution Mx associated with the identification information “2003” of the read document Ms, “Adachi-ku government office ** section”, information on the billing item “** tax”, and the billing amount “2400”.
The information of "circle" is read, and the read information is displayed on a monitor (output means 1).

The control means 1A of the central processing unit 1
The information of the billing date “July 21, 2000” associated with the identification information “2003” of the document Ms is read, and 1 is subtracted from the information of the read billing date “July 21, 2000”. I do. Then, the control means 1 of the central processing unit 1
A, based on the information of the result of the subtraction “July 20, 2000”, displays on the monitor (output unit 1) the information of “Please deposit the following account by July 20, 2000”. Display.

Further, the control means 1A of the central processing unit 1
Monitor information of account number "123 * 567" associated with identification information "2003" of document Ms (output unit 1)
To be displayed.

Then, the control means 1A of the central processing unit 1
Causes the monitor (output unit 1E) to display the information of “1. print the statement, 2. transmit the statement, 3. cancel ...”. The staff of the financial institution Mz who sees this display inputs "1" using the keyboard (input means 1C). As a result, information to the effect that "1" has been pressed from the keyboard (input means 1C) is input to the control means 1A of the central processing unit 1. That is, the control means 1A of the central processing unit 1
It is known that the information of “1.

The control means 1A of the central processing unit 1 having noticed that the information of "1. Print the statement" is selected causes the printer (output means 1E) to print the following statement. "Payment statement Tanaka Co., Ltd. Payment destination: Adachi City Office ** Section Item: ** Tax Amount: 2400 yen Please deposit the above amount into the following account by July 20, 2000.

Account number: 123 * 567 ”The printed statement is sent to the head office of the customer Mk“ Tanaka Corporation ”. As a result, the head office of the customer Mk "Tanaka Co., Ltd." can grasp the state of payment (payment) and can centrally manage accounting. Then, the staff of the head office of the customer Mk “Tanaka Co., Ltd.” pays “240
0 yen "is deposited in the account with the account number" 123 * 567 ".

Alternatively, the staff of the financial institution Mz who saw the information display of "1. print the statement, 2. send the statement, 3. cancel ..." displays "2" on the keyboard (input means 1C). input. As a result, "2" is input to the control means 1A of the central processing unit 1 from the keyboard (input means 1C).
Is input. That is, the control unit 1A of the central processing unit 1 knows that the information of “2.

When the control means 1A of the central processing unit 1 having learned that the information of "2.
Tanaka Co., Ltd. Payment destination: Adachi City Office ** Section Item: *
* Tax Please pay 2400 yen to the account of 123 * 567 by July 20, 2000. Is transmitted to the communication unit 1D toward the terminal device 2.

For example, transmission is made by e-mail. Or,
The control means 1A of the central processing unit 1 reads “Payment statement: Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax 2400 yen by July 20, 2000 Account number:
Please deposit into 123 * 567 account. Is stored in the storage unit 1B, and transmitted to the communication unit 1D toward the terminal device 2 when the terminal device 2 is connected.

Alternatively, the control means 1A of the central processing unit 1
"Payment statement Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax 2 by July 20, 2000
Please deposit 400 yen to the account of 123 * 567. May be output to a recording medium such as a floppy (registered trademark) disk. And
The recording medium such as a floppy disk is sent to the head office of the customer Mk “Tanaka Corporation”.

When the statement is printed or the statement is transmitted, the control unit 1A of the central processing unit 1 stores the information of “issued statement” in the settlement status column of the table 1B1 of the storage unit 1B. .

Next, a case where the central processing unit 1 performs remittance on the payment date will be described.

The control means 1A of the central processing unit 1 reads out the information of the payment date in the table 1B1 of the storage means 1B,
The read information is compared with the information on the current date. Then, as a result of the comparison, if the information of the due date of payment read from the table 1B1 of the storage unit 1B is the same as the information of the current date, the control unit 1A of the central processing unit 1 determines that the table 1B1 of the storage unit 1B is the same. The remittance of the amount described in the document Ms associated with the payment date information read out from is performed.

For example, if the current date is “July 2, 2000
1 day ”.

The control means 1A of the central processing unit 1 reads the information of the payment date "July 21, 2000" in the table 1B1 of the storage means 1B, and reads the read information and the current date "July 2000". 21 of the month. Then, as a result of this comparison, the control means 1A of the central processing unit 1 reads the information of the payment date "July 21, 2000" read from the table 1B1 of the storage means 1B and the current date "July 2000". Since the information of the document Ms associated with the information of the payment date “July 21, 2000” is stored in the storage unit 1B.
From the table 1B1.

Next, the control means 1A of the central processing unit 1
The account number “123 *” of the customer Mk “Tanaka Corporation” associated with the identification information “2003” of the read document Ms.
567 ”and information of the amount of payment“ 2400 yen ”are read from the table 1B1 of the storage means 1B.

Then, the control means 1A of the central processing unit 1
Is the amount “2400 yen” paid from the account with the account number “123 * 567” of the read customer Mk “Tanaka Corporation”.
To an account in the name of the financial institution Mz.

Next, the control means 1A of the central processing unit 1
The information about the financial institution My (designated financial institution) associated with the identification information “2003” of the document Ms is read from the table 1B1 of the storage means 1B.
The control unit 1A of the central processing unit 1
Information on financial institution My (designated financial institution) by A1 Financial institution My associated with “□□ Bank Adachi-ku”
The identification information “□□ Bank Chuo Honmachi Branch” of the branch of the (designated financial institution) is read from the table 1B2 of the storage means 1B and detected.

Then, the control means 1A of the central processing unit 1
Received the amount of the request for "Document Ms" 2003 ". The document Ms relating to “2003” and the identification information “20”
Please send the documents stating “03” to □□ Bank Chuo-Honmachi Branch. Is displayed on the monitor (output unit 1E). Alternatively, the control means 1A of the central processing unit 1
The amount of the request for "Document Ms" 2003 "has been received.
The document Ms relating to “2003” and the identification information “200
Please send the documents stating “3” to □□ Bank Chuo Hommachi Branch. Is printed on the printer (output means 1E). As a result, the staff of the financial institution Mz,
s Know that the amount of the request for "2003" has been received. Therefore, the staff of the financial institution Mz stamps the receipt on a part of the document Ms “2003”. And this stamped document M
A part of “2003” is sent to the customer Mk.
In addition, a reception stamp is stamped on the rest of the document Ms “2003”, and the stamped document and the identification information “200” of the document Ms.
3) and the financial institution My (designated financial institution)
Ships to “□□ Bank Chuo Honmachi Branch”.

Next, the control means 1A of the central processing unit 1
The user is instructed to transfer the requested amount “2400 yen” from the account in the name of the financial institution Mz to the account in the name of the financial institution My (designated financial institution) “□□ Bank Chuo Honcho Branch”. That is, the requested amount “2400 yen” is converted to the financial institution My (designated financial institution) “□
□ Remit money to the Bank Chuo Hommachi Branch. For example,
This remittance is performed by a document transfer, and the document describes the identification information “2003” of the document Ms.

When the remittance has been performed, the control means 1A of the central processing unit 1 stores "completed" information in the settlement status column of the table 1B1 of the storage means 1B.

Then, the control means 1A of the central processing unit 1
To the communication means 1D to the terminal device 2 with the information of "Notification of payment completion Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax payment completed on July 21, 2000." Send.

For example, transmission is made by e-mail. Or,
The control means 1A of the central processing unit 1 receives a notification of payment completion from Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: **
Tax payment was completed on July 21, 2000. Is stored in the storage unit 1B, and transmitted to the communication unit 1D toward the terminal device 2 when the terminal device 2 is connected. As a result, the head office of customer Mk "Tanaka Co., Ltd."
s Know that the remittance of "2003" has been completed.

Alternatively, the control means 1A of the central processing unit 1
However, the information of "Notice of payment completion: Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax Payment completed on July 21, 2000" should be output to a recording medium such as a floppy disk. You may comprise. Then, the recording medium such as the floppy disk is sent to the head office of the customer Mk “Tanaka Corporation”.

Further, the control means 1A of the central processing unit 1
Information on “Transfer of document Ms“ 2003 ”has been completed” is displayed on the monitor (output unit 1E). Alternatively, the control unit 1A of the central processing unit 1 outputs “Document Ms“ 2003 ”
Has been sent to the printer (Output 1
E) print. Thereby, the staff of the financial institution Mz knows that the remittance of the amount described in the document Ms “2003” has been completed.

In the financial institution My (designated financial institution) to which the remittance of the amount described in the document Ms “2003” has been performed, the remittance amount is determined based on the document Ms “2003” by the institution Mx “Adachi Ward Office *”. * Section.

Next, the operation of the present invention will be described.
In addition, in order to explain concretely, the organization Mx "Adachi City Office **
Section ”to customer Mk“ Tanaka Co., Ltd. ”with document Ms (payment note)
Will be described.

First, the institution Mx “Adachi City Office ** Section”
Information on financial institution My (designated financial institution) that specifies payment “□□ Bank Adachi-ku”, information on amount requested for payment “2400 yen”, information on payment due date “July 2, 2000”
On the 1st, a document Ms describing information “Tanaka Co., Ltd.” of the name of the customer Mk who requests payment is sent to the Adachi office of the customer Mk “Tanaka Co., Ltd.”.

The staff of the Adachi office of the customer Mk "Tanaka Corporation" who has received the document Ms sends the received document Ms to the head office of the customer Mk "Tanaka Corporation".

An employee at the head office of the customer Mk “Tanaka Corporation” sends the collected documents Ms to the financial institution Mz.

The staff of the financial institution Mz, having received the document Ms from the customer Mk “Tanaka Corporation”, goes to the place where the central processing unit 1 is installed with this payment slip.

The control means 1A of the central processing unit 1 reads "1.
1. Registration of document Ms ... Are displayed on the monitor (output unit 1). The staff of the financial institution Mz who saw this display entered the keyboard (input means 1).
Enter "1" in C). Thereby, the central processing unit 1
Control means 1A knows that the information of "1. Registration of document Ms" has been selected.

The control means 1A of the central processing unit 1, which has learned that the information of "1. Registration of document Ms" has been selected, generates identification information "2003" of document Ms so as to be a serial number. Then, the control unit 1A of the central processing unit 1 stores the generated identification information “2003” of the document Ms in the storage unit 1B.
In the table 1B1.

Next, the control means 1A of the central processing unit 1
The information of "Please enter the name of the customer described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the name “Tanaka Corporation” described in the document Ms with the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the input information of the name "Tanaka Corporation" in the table 1B1 of the storage means 1B.

Next, the control means 1A of the central processing unit 1
The information of "Please input customer's account number" is displayed on the monitor (output means 2E). The staff of the financial institution Mz who sees this display inputs the information of the account number “123 * 567” of the account of the customer Mk registered in advance using the keyboard (input means 1C). Control means 1A of central processing unit 1
Is the account number “123” of the entered account of the customer Mk.
* 567 ”is stored in the table 1B1 of the storage unit 1B.

Next, the control means 1A of the central processing unit 1
The information of "Please input the date of payment described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the payment date “July 21, 2000” described in the document Ms with the keyboard (input means 1C) (step 1).
41). The control unit 1A of the central processing unit 1 stores the information of the input date “July 21, 2000” in the storage unit 1
B is stored in the table 1B1.

Next, the control means 1A of the central processing unit 1
The information "input the amount of payment described in the document Ms" is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who sees this display inputs the information of the payment amount "2400 yen" described in the document Ms with the keyboard (input means 1C) (step 101). The control means 1A of the central processing unit 1 stores the input information of the amount of payment "2400 yen" in the table 1B1 of the storage means 1B.
To memorize.

Next, the control means 1A of the central processing unit 1
The information "input the name of the institution Mx described in the document Ms" is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who sees this display inputs the information of the name of the institution Mx “Adachi Ward Office ** Section” described in the document Ms using the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the input information of the name of the engine Mx "Adachi Ward Office ** Section" in the table 1B1 of the storage means 1B.

Next, the control means 1A of the central processing unit 1
The information of "Please input the payment item described in the document Ms" is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs the information of the payment item "** tax" described in the document Ms with the keyboard (input means 1C). The control means 1A of the central processing unit 1 stores the information of the input claim item "** tax" in the table 1B1 of the storage means 1B.

Next, the control means 1A of the central processing unit 1
The information of "Please input the designated financial institution described in the document Ms" is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who saw this display, the document Ms
The information on the financial institution My (designated financial institution) described in “2003” and the information on “□□ Bank Adachi-ku” are input using the keyboard (input means 1C) (step 10).
1). The control means 1A of the central processing unit 1 stores the input information on the financial institution My (designated financial institution) "□□ Bank Adachi-ku" in the table 1B1 of the storage means 1B.
To memorize.

Next, the control means 1A of the central processing unit 1
The information of “1. Register the next document Ms 2. End the registration work” is displayed on the monitor (output unit 1E). The staff of the financial institution Mz who sees this display inputs "2" with the keyboard (input means 1C). Thereby, the keyboard (input means 1) is provided to the control means 1A of the central processing unit 1.
Information indicating that “2” has been pressed is input from C). That is, the control means 1A of the central processing unit 1 knows that the information of "2. End the registration work" is selected.

The control means 1A of the central processing unit 1 having learned that the information of "2. End the registration work" is selected,
"1. Registration of document Ms 2. Preparation of specification, ..."
Is displayed on a monitor (output means 1E). The staff of the financial institution Mz who sees this display inputs "2" with the keyboard (input means 1C). As a result, information to the effect that "2" has been pressed is input to the control means 1A of the central processing unit 1 from the keyboard (input means 1C). That is, the control unit 1A of the central processing unit 1 knows that the information of “2.

The control means 1A of the central processing unit 1, which has learned that the information of "2. Create statement" has been selected, monitors the information of "Please input the name of the customer who creates the statement". (Output means 1E). The staff of the financial institution Mz who sees this display inputs the information of the name "Tanaka Corporation" of the customer Mk with the keyboard (input means 1C).
The control means 1A of the central processing unit 1 reads the information of the settlement status associated with the input information of the name of the customer Mk "Tanaka Corporation", and the read information is "unprocessed".
Of the document Ms is read.

Then, the control means 1A of the central processing unit 1
Is information on the name of the institution Mx associated with the identification information “2003” of the read document Ms, “Adachi-ku government office ** section”, information on the billing item “** tax”, and the billing amount “2400”.
The information of "circle" is read, and the read information is displayed on a monitor (output means 1).

Next, the control means 1A of the central processing unit 1
The information of the billing date “July 21, 2000” associated with the identification information “2003” of the document Ms is read, and 1 is subtracted from the information of the read billing date “July 21, 2000”. I do. Then, the control means 1 of the central processing unit 1
A, based on the information of the result of the subtraction “July 20, 2000”, displays on the monitor (output unit 1) the information of “Please deposit the following account by July 20, 2000”. It is displayed (step 142).

Next, the control means 1A of the central processing unit 1
"1. Print the statement 2. Send the statement, 3. Cancel
.. ”is displayed on the monitor (output unit 1E).
The staff of the financial institution Mz who sees this display inputs "1" using the keyboard (input means 1C). Thereby, the keyboard (input means 1) is provided to the control means 1A of the central processing unit 1.
Information indicating that "1" has been pressed is input from C). That is, the control unit 1A of the central processing unit 1 knows that the information of “1.

The control means 1A of the central processing unit 1, having learned that the information of "1. printing of specification" is selected, causes the printer (output means 1E) to print the following specification (step 142). . "Payment statement Tanaka Co., Ltd. Payment destination: Adachi City Office ** Section Item: ** Tax Amount: 2400 yen Please deposit the above amount into the following account by July 20, 2000.

[0115] The printed statement is sent to the head office of the customer Mk "Tanaka Corporation". As a result, the head office of the customer Mk "Tanaka Co., Ltd." can grasp the state of payment (payment) and can centrally manage accounting. Then, the staff of the head office of the customer Mk “Tanaka Co., Ltd.” pays “240
0 yen "is deposited in the account with the account number" 123 * 567 ".

Alternatively, the staff of the financial institution Mz who saw the display of the information of “1. print the statement, 2. transmit the statement, 3. cancel...” Displayed “2” on the keyboard (input means 1C). input. As a result, "2" is input to the control means 1A of the central processing unit 1 from the keyboard (input means 1C).
Is input. That is, the control unit 1A of the central processing unit 1 knows that the information of “2.

The control means 1A of the central processing unit 1 that has learned that the information of "2.
Tanaka Co., Ltd. Payment destination: Adachi City Office ** Section Item: *
* Tax Please pay 2400 yen to the account of 123 * 567 by July 20, 2000. Is transmitted to the communication means 1D toward the terminal device 2 (step 151).

For example, transmission is made by e-mail. Or,
The control means 1A of the central processing unit 1 reads “Payment statement: Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax 2400 yen by July 20, 2000 Account number:
Please deposit into 123 * 567 account. Is stored in the storage unit 1B, and transmitted to the communication unit 1D toward the terminal device 2 when the terminal device 2 is connected.

Alternatively, the control means 1A of the central processing unit 1
"Payment statement Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax 2 by July 20, 2000
Please deposit 400 yen to the account of 123 * 567. May be output to a recording medium such as a floppy disk. Then, the recording medium such as a floppy disk is sent to the head office of the customer Mk “Tanaka Corporation”.

When the statement is printed or the statement is transmitted, the control means 1A of the central processing unit 1 stores the information of "statement issued" in the settlement status column of the table 1B1 of the storage means 1B. .

Next, the operation of the central processing unit 1 performing remittance on the payment date will be described. For the sake of specific description, it is assumed that the current date is “July 21, 2000”.

First, the control means 1A of the central processing unit 1
The date of payment of the table 1B1 of the storage means 1B "2000
The information of “July 21, 2000” is read, and the read information is compared with the information of the current date “July 21, 2000”. Then, as a result of this comparison, the control means 1A of the central processing unit 1 reads the information of the payment date "July 21, 2000" read from the table 1B1 of the storage means 1B and the current date "July 2000". Since the information of the document Ms is associated with the information of the payment date “July 21, 2000”, the identification information “2003” of the document Ms is read from the table 1B1 of the storage unit 1B. In addition, the control means 1A of the central processing unit 1 checks the information of the account number "123 * 567" of the customer Mk "Tanaka Co., Ltd." associated with the identification information "2003" of the read document Ms and the amount of payment "2400 Table 1B of the storage means 1B
Read from 1.

Then, the control means 1A of the central processing unit 1
Is the amount “2400 yen” paid from the account with the account number “123 * 567” of the read customer Mk “Tanaka Corporation”.
Is transferred to an account in the name of the financial institution Mz (step 12).
1).

Next, the control means 1A of the central processing unit 1
The information about the financial institution My (designated financial institution) associated with the identification information “2003” of the document Ms is read from the table 1B1 of the storage means 1B.
Then, the control means 1A of the central processing unit 1
Information on y (designated financial institution) “□□ Bank Chuo Honcho Branch” which is the identification information of the branch of financial institution My (designated financial institution) associated with “□□ Bank Adachi-ku” is read from table 1B2 of storage means 1B. (Step 111).

Then, the control means 1A of the central processing unit 1
Received the amount of the request for "Document Ms" 2003 ". The document Ms corresponding to “2003” and the identification information “20”
Please send the documents stating “03” to □□ Bank Chuo-Honmachi Branch. Is displayed on the monitor (output means 1E) (steps 102 and 131). Alternatively, the control unit 1A of the central processing unit 1 outputs “Document Ms“ 2
003 ”has been received. Please send the document Ms relating to “2003” and the document describing the identification information “2003” to the Chuo Hommachi branch of the Bank. Is printed by the printer (output means 1E) (steps 102 and 131). Thereby, financial institution Mz
Knows that he has received the requested amount of the document Ms “2003”. Therefore, the staff of the financial institution Mz
A part of “2003” is stamped with a receipt. Then, part of the stamped document Ms “2003” is sent to the customer Mk. Also, a receipt stamp is stamped on the rest of the document Ms “2003”, and the stamped document and the document describing the identification information “2003” of the document Ms are attached to the financial institution My.
(Designated financial institution) Ship to “□□ Bank Chuo Hommachi Branch”.

Next, the control means 1A of the central processing unit 1
Instruct the transfer of the billed amount "2400 yen" from the account under the name of the financial institution Mz to the account under the name of the financial institution My (designated financial institution) "□□ Bank Chuo Honcho Branch" (step 102, step 122). That is, the invoice amount “2400 yen” is remitted to the financial institution My (designated financial institution) “□□ Bank Chuo Honcho Branch”. For example, this remittance is performed by a document transfer, and the document includes the identification information “200
3 ".

When the remittance is performed, the control means 1A of the central processing unit 1 stores information of "complete" in the settlement status column of the table 1B1 of the storage means 1B.

The control means 1A of the central processing unit 1
To the communication means 1D to the terminal device 2 with the information of "Notification of payment completion Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax payment completed on July 21, 2000." Send.

For example, transmission is made by e-mail. Or,
The control means 1A of the central processing unit 1 receives a notification of payment completion from Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: **
Tax payment was completed on July 21, 2000. Is stored in the storage unit 1B, and transmitted to the communication unit 1D toward the terminal device 2 when the terminal device 2 is connected (step 161). Thereby, the head office of the customer Mk “Tanaka Corporation” knows that the remittance of the document Ms “2003” has been completed.

Alternatively, control means 1A of central processing unit 1
However, the information of "Notification of payment completion: Tanaka Co., Ltd. Payment destination: Adachi Ward Office ** Section Item: ** Tax Payment completed on July 21, 2000" is output to a recording medium such as a floppy disk. Then, the recording medium such as the floppy disk is sent to the head office of the customer Mk “Tanaka Corporation”.

Next, the control means 1A of the central processing unit 1
Information on “Transfer of document Ms“ 2003 ”has been completed” is displayed on the monitor (output unit 1E). Alternatively, the control unit 1A of the central processing unit 1 outputs “Document Ms“ 2003 ”
Has been sent to the printer (Output 1
E) print. Thereby, the staff of the financial institution Mz knows that the remittance of the amount described in the document Ms “2003” has been completed.

In the financial institution My (designated financial institution) to which the remittance of the amount described in the document Ms “2003” has been performed, the remittance amount is determined based on the document Ms “2003” by the institution Mx “Adachi-ku government office * * Section.

[0133]

[Effect] It is possible to settle from a non-designated financial institution without taking time and effort (cost). Even companies with offices in different regions can centrally manage accounting at the head office.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a payment management system according to the present invention.

FIG. 2 is a table 1B1 according to the present invention.

FIG. 3 is a table 1B2 according to the present invention.

FIG. 4 is a flowchart according to the present invention.

FIG. 5 is a time chart according to the present invention.

[Explanation of symbols]

 1 Central processing unit 2 Terminal device Ms Document Ms

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Kei Iwasaki 1-1-1 Otemachi, Chiyoda-ku, Tokyo F-term in Sanwa Bank, Ltd. 5B055 CB09

Claims (17)

[Claims] 1. A financial institution My designated by an institution Mx based on a document Ms sent from the institution Mx to a customer Mk.
A system for performing settlement from a financial institution Mz other than the above, comprising: an input unit; information on the financial institution My described in the document Ms input by the input unit; and / or a document Ms. Based on the information on the amount of the claim, the amount of the claim is remitted from the account in the name of the customer Mk established at the financial institution Mz to the financial institution My, and the financial institution My
And a control means for instructing the delivery of the document Ms toward the settlement management system. 2. The settlement management system includes a storage unit having an area for storing information on a financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My. The control unit includes: a detection unit that reads out the identification information of the branch of the financial institution My associated with the information about the financial institution My input by the input unit from the storage unit and detects the information; Based on the customer Mk
2. A means for remittance processing of the amount of the claim from the account under the name to the branch of the financial institution My, and instructing the branch of the financial institution My to send out the document Ms. Payment management system described in. 3. The control means includes means for moving the amount of the claim from the account in the name of the customer Mk to an account in the name of the financial institution Mz, and identification of a branch of the financial institution My detected by the detecting means of the control means. 3. The settlement management system according to claim 2, further comprising means for instructing the transfer of the requested amount from the account in the name of the financial institution Mz to the account in the name of the branch of the financial institution My based on the information. 4. The settlement management system has an output unit, and the control unit, when the amount of the claim is transferred from an account in the name of the customer Mk to an account in the name of a financial institution Mz, is described in a document Ms. 4. The settlement management system according to claim 1, further comprising means for causing said output means to output information indicating that the amount of the requested claim has been received by the financial institution Mz. 5. The settlement management system includes an output unit, and the control unit is configured to control the payment management system by a predetermined date based on information on a payment date described in the document Ms input by the input unit. 4. The settlement management system according to claim 1, further comprising means for outputting, to the output means, information indicating that the amount of the bill has been deposited in the account in the name of the customer Mk. 6. The settlement management system includes a central processing unit connected to a terminal device of the customer Mk via a network, wherein the central processing unit includes the control unit, the input unit, and the output unit. And a communication unit connected to the network. The control unit of the central processing unit, based on information on a due date of payment described in the document Ms input by the input unit And means for transmitting to the terminal means information to the effect that the amount of the claim has been deposited in the account in the name of the customer Mk by a predetermined date. The settlement management system according to claim 5. 7. The control means of the central processing unit, when remittance processing of the billed amount to the financial institution My, transmits the information indicating that the remittance processing has been performed to the terminal device of the customer Mk in the communication means. 7. The settlement management system according to claim 6, further comprising means for transmitting the information to the payment management system. 8. The settlement management system according to claim 1, wherein the institution Mx is a nation, a government office, a government office, and / or a public organization. 9. The settlement management system according to claim 1, wherein the document Ms is a payment slip. 10. The settlement management system according to claim 1, wherein the information on the financial institution My is information including information on a region of the financial institution My. 11. A financial institution Mz other than the financial institution My designated by the institution Mx using a system having control means, input means and output means, and a document Ms sent from the institution Mx to the customer Mk. A method for performing settlement, wherein information relating to the financial institution My described in the document Ms and / or information relating to the amount of the claim described in the document Ms is input by the input means; The control unit is configured to determine whether or not the customer M opened in the financial institution Mz based on the information input in the step 101.
remittance processing of the amount of the claim from the account in the name of k to the financial institution My, and instructing the financial institution My to send out the document Ms. 102. 12. A system used by the settlement management method includes a storage unit having an area for storing information on a financial institution My and identification information of a branch of the financial institution My associated with the information on the financial institution My. The payment management method further comprises: the financial institution M, wherein the control means is inputted by the input means.
a step 111 of reading out the identification information of the branch of the financial institution My associated with the information about y from the storage means and detecting the same, and the step 102 of the settlement management method comprises the steps of: Based on the identification information of the branch of the financial institution My, remittance processing is performed from the account in the name of the customer Mk to the branch of the financial institution My, and the document Ms is sent to the branch of the financial institution My.
12. The settlement management method according to claim 11, further comprising the step of instructing sending of the payment. 13. The settlement management method according to claim 1, wherein the control means moves the bill amount from the account in the name of the customer Mk to an account in the name of the financial institution Mz.
21. The control means transmits the remittance of the bill amount from the account in the name of the financial institution Mz to the account in the name of the branch of the financial institution My based on the identification information of the branch of the financial institution My detected in the step 111. 13. The settlement management method according to claim 12, comprising an instruction step 122. 14. The settlement management method according to claim 1, wherein the control means moves the charge amount from the account in the name of the customer Mk to an account in the name of the financial institution Mz, and the amount of the charge described in the document Ms. 131 in which the output means outputs the information that the financial institution Mz has been received.
The settlement management method according to any one of claims 11 to 13, further comprising: 15. The settlement management method according to claim 1, wherein the information on the payment date described in the document Ms is:
Step 141, which is input by the input means, and the control means, based on the information on the payment date input in step 141, deposits the amount of the claim into the account in the name of the customer Mk by a predetermined date. The settlement management method according to any one of claims 11 to 14, further comprising: a step 142 of outputting information indicating that the request has been made to the output means. 16. A system used by the settlement management method includes a central processing unit (the control unit, the input unit, the output unit, the storage unit, and the communication unit) connected to a terminal device of the customer Mk via a network. The payment management method, wherein the control means of the central processing unit, based on the information on the due date of payment described in the document Ms entered in the step 141, the name of the customer Mk 11. The method according to claim 11, further comprising the step of: transmitting, to the communication terminal of the central processing unit, information to the effect that the amount of the claim has been deposited into an account by a predetermined date toward the terminal device. Item 16. The settlement management method according to any one of Items 15. 17. The payment management method according to claim 1, wherein the control means of the central processing unit remits the amount of the request to the financial institution My, and transmits information indicating the remittance processing to the terminal device of the customer Mk. 17. The settlement management method according to claim 11, further comprising a step 161 of causing the communication means of the central processing unit to transmit the data to the central processing unit.