JP2003022409A - Method, program, and server for processing payment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method, a program, and a server for processing payment which can level the operation load on a payment-receiving institution which accepts payment, reduce the collection risk and financial load that a claimant has, give economical profit to a payer, and increase the commission income of the institution. SOLUTION: The method has an input stage where request information is inputted to an information input/output terminal 11, a readout stage where the request information is supplied to the payment processing server 14, claimant information is specified, and a prepayment time limit is read out of the specified claimant information, a calculation stage where a discount amount is computed according to the result of a comparison between a reception date and the prepayment time limit, an output stage where the discount request amount after the discount amount is subtracted is supplied to the information input/output terminal 11 and outputted, and a reception stage where the discount request amount is collected from the payer instead of the claimant.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a storage processing method, a storage processing program, and a storage processing server, and in particular, a storage processing method for storing the amount charged by a claimant to a payer on behalf of the claimant. , Storage processing program, storage processing server.

[0002]

2. Description of the Related Art Storage institutions such as financial institutions and convenience stores, for example, provide storage services for storing the amount charged on behalf of the claimant at the request of the payer. This storage service is to store the billed amount on behalf of the biller by receiving the billed amount from the payer. The storage organization may collect the storage fee from the requester or the payer.

[0003] Conventionally, a customer as a payer who uses a public enterprise or the like, by using a storage service provided by a storage organization, pays a bill such as a utility bill charged by the public enterprise or the like as a demander. I was paying to a public company.

[0004]

[Problems to be Solved by the Invention] A biller such as a utility company sends a bill in which a billing amount such as a company code corresponding to the biller, a customer code corresponding to the customer, a due date for payment, and a utility bill is printed to the customer. By billing, the utility bill will be billed. The customer to whom the invoice was sent by the requester requested the storage service by submitting the invoice, the amount charged, and the storage fee to the window of the storage organization.

However, the customer to whom the biller sends the bill often pays the billed amount by using the storage service just before the payment deadline. That is, the window of the storage organization is crowded on a specific date such as the payment deadline, which is inconvenient for the storage organization that provides the storage service and the customer who uses the storage service.

[0006] Further, the window of the storage organization is often crowded during a specific time period, which is inconvenient for the storage organization providing the storage service and the customer using the storage service.

[0007] On the other hand, the claimant has a collection period from the billing of the utility bill to the payment deadline. However, the claimant bears a collection risk during the collection period, and a financial burden is incurred in the fund allowance.
Therefore, the claimant had a desire to shorten the collection period as much as possible.

The present invention has been made in view of the above points, and it is possible to equalize the work load of the storage organization that provides the storage service, and reduce the claimant's collection risk and financial burden. An object of the present invention is to provide a storage processing method, a storage processing program, and a storage processing server that can give a financial benefit to a payer and increase the fee income of a storage organization that provides a storage service.

[0009]

In order to solve the above-mentioned problems, the present invention acquires billing information charged by a biller to a payer and responds to the billing information at the request of the payer. In the storing processing method for storing the billed amount on behalf of the biller, the read-out step of identifying the biller information corresponding to the obtained billing information, and reading the advance payment deadline date from the identified biller information, and the payer. From the receipt date when the receipt request is received from the prepaid payment deadline date, and a calculation step of calculating the discount amount according to the comparison result, and an output step of outputting the discount billing amount obtained by discounting the discount amount. It is characterized in that it has the discount billing amount.

In such a storage processing method, a prepaid payment deadline date is set so as to correspond to the billing information, and the discount amount is calculated according to the result of comparing the reception date when the storage request is received from the payer and the prepaid payment deadline date. To calculate. Then, the discount charge amount obtained by discounting the discount amount is received from the payer.

Therefore, by properly setting the advance payment deadline date and the discount amount, it is possible to disperse the reception dates for receiving the storage service request from the payer, and the storage institution (for example, a financial institution) which provides the storage service can be distributed. The work load can be leveled.

Further, the payer can reduce the cost for paying the invoiced amount by the discount amount according to the storage service request date. Therefore, the receiving organization that provides the receiving service can be expected to increase the number of cases of receiving the receiving service and increase the fee income.

Further, the present invention is characterized in that, in the calculating step, the discount amount is calculated if the date of receipt of the storage request from the payer is earlier than the advance payment deadline date.

In such a storage processing method, the claimant
It is possible to receive a large amount of billing amount before the prepayment payment deadline date, and it is possible to reduce collection risk and financial burden.

According to the present invention, in the calculation step, the date of receipt of a receipt request from a payer and the advance payment deadline date are compared, and at least a billing amount or a storage fee discount amount is determined according to the comparison result. Is calculated.

In such a storage processing method, the discount amount of at least one of the billed amount and the storage fee can be calculated.

Further, according to the present invention, the billing information charged by the biller to the payer is acquired, and the billing amount corresponding to the billing information is stored on behalf of the biller at the request of the payer. In the processing method, the reading step of reading the discount time zone from the discount condition information is compared with the reception time when the payer requests storage and the discount time zone, and the discount amount is calculated according to the comparison result. The present invention is characterized by including a step and an output step of outputting a discount billing amount obtained by discounting the discount billing amount, and storing the discount billing amount.

In such a storage processing method, a prepaid payment deadline is set so as to correspond to the billing information, and the discount amount is calculated according to the result of comparing the reception time and the discount time period when the storage service is requested by the payer. To calculate. Then, the billing amount discounted by the discount amount is received from the payer.

Therefore, by appropriately setting the discount time zone and the discount amount, the reception time when the payer requests the storage service can be dispersed, and the storage organization that provides the storage service can level the work load. it can.

Further, the payer can reduce the cost for paying the invoiced amount by the discount amount according to the storage service request time. Therefore, the receiving organization that provides the receiving service can be expected to increase the number of cases of receiving the receiving service and increase the fee income.

Further, the present invention is characterized in that, in the calculating step, the discount amount is calculated if the reception time when a receipt request is received from the payer is included in the discount time zone.

In such a storage processing method, the storage organization that provides the storage service sets the load of the window service by leveling the window period when the window service is relatively idle, for example, as a discount time period. You can

According to the present invention, in the calculating step, the reception time when the payer requests the storage and the discount time zone are compared with each other, and at least the billing amount or the storage fee discount amount is calculated according to the comparison result. It is characterized by calculating.

In such a storage processing method, the discount amount of at least one of the billed amount and the storage fee can be calculated.

Further, according to the present invention, the billing information billed to the payer by the biller is acquired, and the billing amount corresponding to the billing information is stored on behalf of the biller at the request of the payer. In the processing method, the billing party information corresponding to the obtained billing information is specified, and the read-out step of reading the prepaid payment deadline date from the specified biller information; the reception date when the payer requests storage and the prepaid payment It is characterized in that it has a calculation step of comparing deadline dates and calculating a service point according to the comparison result, and an output step of outputting the service point, and stores a charge amount according to the charge information. .

In such a storage processing method, a prepaid payment deadline is set so as to correspond to the billing information, and a service is provided according to the result of comparison between the reception date when the storage service request is made by the payer and the prepaid payment deadline. Calculate points.
The payer can receive service points according to the storage service request date, and can receive various benefits in exchange for the received service points, for example.

Therefore, by appropriately setting the prepaid payment deadline date and the service points, it is possible to disperse the reception dates for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. You can In addition, the storage organization that provides storage services can be expected to increase the number of cases of storage services handled and increase commission income.

Further, the present invention acquires the billing information charged to the payer by the biller, and stores the billing amount corresponding to the billing information on behalf of the biller at the request of the payer. In the processing method, the reading step of reading the discount time zone from the discount condition information is compared with the reception time when the payer requests storage and the discount time zone, and the service point is calculated according to the result of the comparison. Stages,
An output step of outputting the service points, and stores a billing amount according to the billing information.

In such a storage processing method, a discount time zone is provided so as to correspond to billing information, and service points are given in accordance with the result of comparing the reception time and the discount time zone when a request for storage service is received from the payer. calculate. The payer is
Service points can be received according to the storage service request time, and various benefits can be received in exchange for the received service points, for example.

Therefore, by appropriately setting the advance payment period and the service points, it is possible to disperse the reception time for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. You can In addition, the storage institutions that provide storage services are
An increase in the number of storage services handled and an increase in commission income can be expected.

The present invention also provides a storage processing method for storing information using an information input / output terminal and a storage processing server connected to the information input / output terminal via a network. In the input step of inputting the billing information billed to the payer by the biller, the input billing information is supplied from the information input / output terminal to the storage processing server, and the storage processing server is input. The billing information corresponding to the billing information, and reading the prepaid payment deadline date from the identified biller information; the receipt processing server receives the receipt request from the payer and the advance payment. A calculation step of comparing payment due dates and calculating a discount amount according to the comparison result, and a discount claim amount discounted by the discount amount are supplied from the storage processing server to the information input / output terminal. The discount billing amount is an output stage output from the information output terminal, characterized by housing the discount billing amount from paid on behalf to the requester.

In such a storage processing method, billing information is input to the information input / output terminal and the input billing information is supplied to the storage processing server. Then, the storage processing server
The discount amount can be calculated according to the result of comparison between the prepaid payment deadline date provided so as to correspond to the supplied billing information and the reception date when the storage service request is received from the payer.

Further, the present invention is a storage processing method for performing storage processing using an automatic storage terminal and a storage processing server connected to the automatic storage terminal via a network. A card is inserted into the automatic storage device, a billing information reading step of reading billing information recorded on the billing information card, and the read billing information is supplied from the automatic storage terminal to the storage processing server to store the billing information. The reading step in which the processing server identifies the biller information corresponding to the billing information and reads the prepaid payment deadline date from the identified biller information; and the storage processing server displays the storage acceptance date and the prepaid payment deadline date. The calculating step of comparing and calculating the discount amount according to the comparison result, and the discount billing amount obtained by discounting the discount amount are transferred from the storage processing server to the automatic storage end. Is supplied to the discount amount billed is characterized by having an output stage which is output to the automatic receiving terminal, and a storage step of storing the discount billing amount from paid on behalf to the requester.

In such a storage processing method, the bill information is input to the automatic storage terminal using the bill information card in which the bill information is recorded, and the input bill information is supplied to the storage processing server. Then, the storage processing server can calculate the discount amount according to the result of comparing the prepaid payment deadline date provided corresponding to the supplied billing information with the payment service acceptance date from the payer.

[0035]

BEST MODE FOR CARRYING OUT THE INVENTION Next, embodiments of the present invention will be described with reference to the drawings. In the present embodiment, an example in which a financial institution provides a storage service will be described as an example of a storage institution, but any storage institution that provides a storage service may be used.

FIG. 1 is a block diagram of a first embodiment of a system for realizing the storage processing method of the present invention. For example, the window terminals 11a to 11n are installed at windows of stores 10a to 10n of financial institutions that provide storage services. The counter terminals 11 installed at the counters of the stores 10a to 10n, respectively.
The number of a to 11n may be one or more. Counter terminal 11
A to 11n are operated by, for example, a staff member of a financial institution.

The storage processing server 14 is installed in the data center 13 of a financial institution or a third-party institution entrusted by the financial institution, for example, a LAN (Local Area Network).
Window terminals 11a to 11n via the network 12 such as
Connected to. The storage processing server 14 performs processing relating to storage services.

The billed amount (stored amount) stored by the storing organization on behalf of the claimant is supplied from the storing organization to the claimant. For example, the storage processing server 14 may transfer the charged amount stored on behalf of the claimant to the claimant's account using a separately provided account transfer processing system.

The claimant's terminals 17a to 17m are installed in the data centers 16a to 16m of a billing organization such as a public business operator, a company or the like or a third party organization entrusted by the billing organization, for example, a network such as the Internet. It is connected to the storage processing server 14 via 15. Terminal 17 for claimant
The characters a to 17m are operated by, for example, the staff of the billing organization. Although the networks 12 and 15 are described as different networks in FIG. 1, they may be the same network.

The storage processing server 14 is constructed, for example, as shown in FIG. FIG. 2 shows a block diagram of an embodiment of the storage processing server of the present invention. The computer system for realizing the storage processing server 14 includes an input device 31, a display device 32, a drive device 33, a recording medium 34, an auxiliary storage device 35, which are mutually connected by a bus B.
A memory device 36, an arithmetic processing device 37, an interface device 38, and a database (hereinafter referred to as DB) 3
9 and 9 are included.

The input device 31 is composed of a keyboard and a mouse operated by a user of the computer system, and is used to input various operation signals to the computer system. The display device 32 displays various windows, data and the like necessary for operating the computer system. The interface device 38 is an interface for connecting the computer system to the network 12 or 15, and is composed of, for example, a LAN card, a modem, or the like.

The DB 39 stores, for example, a storage destination information table, a fee information table, a fee discount condition table, a service point accumulation information table, etc. necessary for performing the storing processing of the present invention. Details of the storage destination information table, the fee information table, the fee discount condition table, and the service point accumulation information table will be described later.

The storage processing program for realizing the storage processing server 14 of the present invention is provided by the recording medium 34. A recording medium 34 for recording the storage processing program
Is a CD-ROM, a floppy (registered trademark) disk,
Recording of various types such as a recording medium for optically, electrically or magnetically recording information such as a magneto-optical disk (MO), a semiconductor memory for electrically recording information such as a ROM or a flash memory. A medium can be used.

Recording medium 3 recording the storage processing program
4 is set in the drive device 33, and the storage processing program is installed in the auxiliary storage device 35 from the recording medium 34 via the drive device 33.

The auxiliary storage device 35 stores the installed storage processing program and also stores necessary files and data. The memory device 36 reads the storage processing program from the auxiliary storage device 35 and stores it when the computer system is started. Processor 37
Executes the processing relating to the storage processing server 14 according to the storage processing program read and stored in the memory device 36.

FIG. 3 shows a flow chart of an embodiment of processing relating to the storage processing server. For example, a billing institution (contracting institution) such as a public company or a company may issue an invoice such as the one shown in FIG. make,
Send an invoice to the customer who bills for the fee.

FIG. 4 shows an image diagram of an example of a bill. The invoice shown in FIG. 4 is printed with information necessary for storage service, such as an institution code, a customer code, a payment deadline, and a billing amount, in a mechanically readable form such as a bar code.

The customer who receives the bill from the billing organization is
For example, submit a bill to a window of a financial institution and request storage service. The key input section 41, the display section 42,
A window terminal 11 including a man-machine interface unit such as a bar code reader 43 and a printing unit 44, and a terminal control unit 45 for controlling the man-machine interface unit is installed. Note that the key input unit 41 may be any unit such as a touch panel input unit that can input information.

The staff of the financial institution uses the bar code reader 43 of the counter terminal 11 to read the information necessary for the storage service such as the institution code, the customer code, the payment deadline, the amount charged, etc. from the bill as bill data. put out. The bill data read by the barcode reader 43 is supplied to the terminal control unit 45. If the barcode is not printed on the invoice, the staff will enter the information necessary for the storage service in the key input unit 4
You may input from 1.

FIG. 5 is a block diagram of an example of bill data. Invoice data can be, for example, institution code, customer code,
The payment deadline date, the amount charged, etc. are included. Terminal control unit 45
Temporarily stores the bill data as shown in FIG. 5 and transmits it to the storage processing server 14. Upon receiving the bill data, the storage processing server 14 starts the storage processing.

In step S1, the storage processing server 14 performs a discount amount calculation process. The discount amount calculation process is performed in the following procedure. First, the storage processing server 14 searches the storage destination information table 46 as shown in FIG. 6 using the institution code of the received bill data as the key information.

FIG. 6 is a block diagram showing an example of the storage destination information table. The storage destination information table 46 of FIG. 6 includes an institution name corresponding to the billing institution (accommodation outsourcing institution) and an institution code
The items include an address and a prepaid deadline set by the billing organization.

The storage destination information table 46 shown in FIG. 6 is for registering information about a billing institution that has made a fee storage contract with a financial institution. Note that the billing institution that has signed a charge collection contract that includes a prepaid discount service has a numerical value set in the item “advance payment date”. On the other hand, a billing organization that does not have a charge collection contract including a prepaid discount service does not have a numerical value set in the item “advance payment date”.

When the value of the item "advance payment due date" is a positive number, the item "advance payment due date" represents the calendar day of each month itself. For example, “11th day” of the item “advance payment deadline” indicates that the payment advance payment deadline date is the 11th day of every month. Also,
When the value of the item “advance payment due date” is a negative number, the advance payment due date is the payment due date of the invoice data minus the item “advance payment due date”. For example, the item “−5 days” in the item “advance payment due date” indicates that the advance payment due date is 5 days before the payment due date.

The storage processing server 14 reads the item "advance payment deadline" corresponding to the institution code of the bill data from the storage destination information table 46, while reading the current date from the operation system as reception date information. In addition, the reception date and time information is transferred from the window terminal 11 to the storage processing server 1
4 may be supplied.

The storage processing server 14 calculates the advance payment deadline date as described above using the item "advance payment deadline date" read from the storage destination information table 46 and the payment deadline date of the invoice data. The storage processing server 14 compares the calculated prepaid payment deadline date with the read reception date and time information, and determines whether the reception date and time information is before the prepaid payment deadline date.

If the receipt date information is before the calculated prepaid payment deadline date, the storage processing server 14 calculates the discount amount of the billed amount using the billed amount of the bill data. The storage processing server 14 calculates the discount amount of the billed amount using the following formula (1), for example.

Discount amount = claimed amount × ordinary deposit interest rate × fixed coefficient (1) Note that the fixed coefficient is, for example, more than interest obtained when the customer deposits the charged amount until the payment deadline. It is desirable to set the discount amount to be large and to be smaller than the operating profit when the receiving organization operates until the payment deadline date. Further, the discount amount may be calculated from a discount table in which a stepwise discount amount proportional to the billed amount is set, or may be a fixed discount amount.

The storage processing server 14 calculates the discount storage amount by subtracting the discount amount of the charged amount from the charged amount.
On the other hand, if the reception date and time information is not before the calculated prepaid payment deadline date, the storage processing server 14 does not calculate the discount storage amount, and outputs the billed amount as the discount storage amount.

Further, the storage processing server 14 reads the institution name corresponding to the institution code of the bill data from the storage destination information table 46, and uses the read institution name and invoice data to input the data as shown in FIG. Create the data.

FIG. 7 is a block diagram showing an example of stored input data. The storage input data in FIG. 7 includes the invoice number, institution name,
Includes items such as institution code, payment deadline, payment date, billed amount, storing institution code, handling store code, handling terminal code. The item "billing number" corresponds to the customer number of the billing data. The institution information including the item “stored institution code”, the item “dealer code”, and the item “handled terminal code” is added to the bill data by the terminal control unit 45 of the counter terminal 11, for example.

The item "payment date" corresponds to the date of the reception date information read from the operation system or the like. Further, the item “handling terminal code” corresponds to the window terminal that has transmitted the bill data to the storage processing server 14.

In step S2 following step S1, the storage processing server 14 performs a fee calculation process. The fee calculation process is performed in the following procedure. First, the storage processing server 14 reads the discount storage amount and the storage input data. The storage processing server 14 uses the institution code of the storage input data as key information and the fee information table 47 as shown in FIG.
Select the applicable record from.

FIG. 8 is a block diagram showing an example of the fee information table. The fee information table 47 of FIG. 8 includes items such as the institution code, the lower limit of the stored amount, the upper limit of the stored amount, the storage fee, and the discounted amount of the storage fee.

The storage processing server 14 selects the item "stored amount lower limit" of the record in which the institution code is selected as the key information,
With reference to the “stored amount upper limit”, a record in which the discounted stored amount is within the range of the stored amount lower limit and the stored amount upper limit is further selected.

Further, the storage processing server 14 reads the fee discount condition information from the fee discount condition table 48 as shown in FIG. FIG. 9 is a block diagram showing an example of the fee discount condition table. The fee discount condition table 48 of FIG. 9 includes discount start time and discount end time as items. In the fee discount condition table 48, a discount start time and a discount end time may be set for each weekday and holiday, for example.

The storage processing server 14 reads out the discount start time and the discount end time as the fee discount condition information, while
The current time is read from the operation system or the like as reception date information. The reception date and time information may be supplied from the window terminal 11 to the storage processing server 14.

The storage processing server 14 compares the reception date and time information with the discount start time and the discount end time, and determines whether the reception date and time information is included in the time zone of the discount start time and the discount end time.

If the reception date and time information is included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee and the storage fee discount amount of the selected record from the fee information table 47. If the reception date and time information is not included in the time zones of the discount start time and the discount end time, the storage processing server 14 determines that the fee information table 47 is displayed.
While the storage fee of the record selected from is read out, the storage fee discount amount is set to zero. The storage fee and the storage fee discount amount may be fixed amounts.

The storage processing server 14 transmits the discount storage amount, the storage fee, and the storage fee discount amount to the window terminal 11. The window terminal 11 displays the discount storage amount, the storage fee, the storage fee discount amount, and the like on the display unit 42. The customer who requested the storage service confirms the discount storage amount, the storage fee, the storage fee discount amount, and the like displayed on the display unit 42, and pays the storage fee obtained by subtracting the discount storage amount and the storage fee discount amount to the window.

Discount storage amount and storage fee When payment of the storage fee after deducting the discount amount is completed, the counter terminal 1
1 uses the printing unit 44 to issue a payment notice as shown in FIG. 10 in which invoice data, discounted storage amount, storage fee, storage fee discounted amount, etc. are printed.

FIG. 10 is an image diagram of an example of the payment notice. The payment notice of FIG. 10 includes a bill number 100, a receipt date / time 101, a storing institution name 102, an institution code 103,
Issue date 104, charge amount 105, advance payment discount amount 106 as a discount amount of charge amount, storage fee 107, storage fee discount amount 108, total amount 109 and processing window ID
110 is printed.

Incidentally, the receipt date / time 101 and the storing institution name 10
2. The issue date 104 and the processing contact ID 110 are acquired from the contact terminal 11. The bill number 100 and the institution code 103 are acquired from the temporarily stored bill data.

In step S3 following step S2, the storage processing server 14 performs storage information creation processing. The storage information creation process is performed in the following procedure. First, the storage processing server 14 reads the discount storage amount, storage input data, storage fee, and storage fee discount amount. The storage processing server 14 reads the discount storage amount, storage input data,
Use the storage fee and the storage fee discount amount to create storage information for each billing institution.

In the case of delayed storage in which the payment date is after the payment deadline date, the billing organization needs to take measures such as service restart at an early stage, and therefore needs to know the storage information at an early stage. Therefore, the storage processing server 14 compares the payment deadline date and the payment date of the storage input data, and if the payment date is before the payment deadline, outputs it as normal storage information, and the payment date is after the payment deadline. If the storage is delayed, it is output as urgent storage information.

The storage processing server 14 sequentially transmits the urgent storage information to the data center 16 of the billing organization (storage entrustment organization) via the network 15. Further, the storage processing server 14 collectively transmits normal storage information to the data center 16 of the billing organization via the network 15 every predetermined period (for example, one day). Note that normal storage information may be collectively recorded for a predetermined period (for example, one day) on a recording medium such as a magnetic tape (MT) and conveyed to the data center 16 of the billing agency.

Then, in the data center 16 of the billing organization, for example, a biller terminal or a receipt information processing server is used to perform receipt information processing. The normal storage information collectively transmitted from the storage processing server 14 or the normal storage information read from the conveyed recording medium is batch processed. Further, the urgent storage information is processed in real time every time it is received via the network.

In the flowchart of FIG. 3, step S1
Although the example of performing the discounted amount calculation process and the fee calculation process of step S2 has been described, either one of the discounted amount calculation process of step S1 and the fee calculation process of step S2 may be performed. In addition, in the flowchart of FIG.
Although the example in which the storage fee is discounted according to the reception time has been described, the billing amount may be discounted. Furthermore, in the flowchart of FIG. 3, an example in which the billing amount is discounted according to the reception date has been described, but the storage fee may be discounted.

Although FIG. 3 illustrates an example in which the billing amount and the storage fee are discounted, service points may be provided to the customer. FIG. 11 shows a flowchart of another embodiment of the processing relating to the storage processing server.
The flowchart of FIG. 11 is the same as the flowchart of FIG. 3 except for a part, and the same portions are denoted by the same reference numerals and the description thereof is partially omitted.

The customer who receives the bill from the billing organization,
For example, submit a bill and a customer identification certificate to the window of the storage organization and request storage service. The customer identification certificate is given by, for example, the customer registering the use of the service points in the storage organization or the like. The customer identification certificate records a personal code assigned to each customer by the storing organization.

This customer identification card is made of a material and shape similar to that of a credit card, for example, in consideration of portability and manufacturing cost, and a personal code is magnetically recorded in a predetermined format on a magnetic stripe arranged on the surface. It is possible to keep it.

At the window, a key input section 41, a display section 42,
A window terminal 11 is installed which includes a man-machine interface unit such as a bar code reader 43, a printing unit 44, and a magnetic card reader 50, and a terminal control unit 45 which controls the man-machine interface unit and the like.

The staff of the storage organization uses the bar code reader 43 of the counter terminal 11 to read the information necessary for the storage service such as the institution code, the customer code, the payment deadline, and the billed amount from the bill as bill data. put out. The bill data read by the barcode reader 43 is supplied to the terminal control unit 45.

Further, the staff member of the receiving organization uses the magnetic card reader 50 of the counter terminal 11 to read the personal code from the customer identification certificate. If the customer identification certificate is not submitted, the fact may be input from the key input unit 41.

The terminal control unit 45 temporarily stores the bill data as shown in FIG. 5 and transmits the bill data and the personal code to the storage processing server 14. Upon receiving the bill data and the personal code, the storage processing server 14 starts the storage processing.

In step S10, the storage processing server 14
Performs service point calculation processing. The service point calculation process is performed in the following procedure. First, similarly to step S1 in FIG. 3, the storage processing server 14 determines whether or not the reception date / time information is before the calculated prepaid payment deadline date.

If the reception date information is before the calculated prepaid payment deadline date, the storage processing server 14 calculates the first service point using the billing amount of the bill data. The storage processing server 14 calculates the first service point using, for example, the following equation (1).

First service point = claimed amount × ordinary deposit interest rate × fixed coefficient (2) The fixed coefficient can be set to any value. Further, the service points may be calculated from a service point table in which stepwise service points proportional to the billing amount are set, or may be fixed service points. On the other hand, unless the reception date information is before the calculated prepaid payment deadline date, the storage processing server 14 does not calculate the first service point.

Further, the storage processing server 14 reads the institution name corresponding to the institution code of the bill data from the storage destination information table 46, and uses the read institution name and bill data to input the receipt as shown in FIG. Create the data.

FIG. 12 is a block diagram showing another example of the storage input data. The storage input data of FIG. 12 is the invoice number,
Institution name, institution code, payment deadline, payment date, invoiced amount,
The items include the storing agency code, dealer code, handling terminal code, and personal code.

In step S11 following step S10, the storage processing server 14 performs a fee calculation process. The fee calculation process is performed in the following procedure. First, the storage processing server 14 reads the storage input data. The storage processing server 14 selects the corresponding record from the fee information table 51 as shown in FIG. 13 using the institution code of the storage input data as key information.

FIG. 13 is a block diagram showing an example of the fee information table. The fee information table 51 of FIG. 13 includes an institution code, a storage amount lower limit, a storage amount upper limit, a storage fee, and service points as items. Storage processing server 14
In the same manner as the fee calculation process of FIG. 3, a record whose billing amount falls within the range of the stored amount lower limit and the stored amount upper limit is further selected.

Further, the storage processing server 14 reads the fee discount condition information from the fee discount condition table 48 as shown in FIG. The storage processing server 14 executes step S2 in FIG.
Similarly, the reception date and time information is compared with the discount start time and the discount end time to determine whether the reception date and time information is included in the time zone of the discount start time and the discount end time.

If the reception date and time information is included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee and the second service point of the selected record from the fee information table 51. If the reception date and time information is not included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee of the selected record from the fee information table 51, while
The second service point is 0.

The storage processing server 14 transmits the billing amount, the storage fee, the first service point, and the second service point to the window terminal 11. The window terminal 11 displays the billing amount, the storage fee, the first service point, the second service point, and the like on the display unit 42. The customer who requested the storage service confirms, for example, the billed amount, the storage fee, the first service point and the second service point displayed on the display unit 42, and pays the billed amount and the storage fee to the window.

When the payment of the billed amount and the storage fee is completed, the counter terminal 11 uses the printing unit 44 to print the bill data, the billed amount, the storage fee, the first service point and the second service point. Issue payment notice.

In step S12 following step S11, the storage processing server 14 performs storage information creation processing.
The storage information creation process is performed in the following procedure. First, the storage processing server 14 reads the storage input data, the storage fee, the first service point, and the second service point. Similar to step S3 in FIG. 3, the storage processing server 14 uses the read storage input data, storage fee, first service point and second service point to store normal and urgent storage information for each billing institution. create.

The storage processing server 14 stores the first service point and the second service point in the service point storage information table as shown in FIG. FIG. 14 shows a configuration diagram of an example of the service point accumulation information table. The service point accumulation information table 52 of FIG. 14 includes items such as a personal code, a name, an address, a service point, and a storing institution code.

The storage processing server 14 searches the record of the service point storage information table 52 using the personal code of the storage input data as key information, and sets the first service point in the item "service point" of the record selected by the search. The service point is updated by adding the second service point. If the item "individual code" of the stored input data is "individual code none", the service point accumulation information table 52 is not updated.

The service points stored in the service point storage information table 52 can be used by the billing organization or the receiving organization for various benefits and conveniences.
The service point storage information table 52 may be held by either the billing organization or the receiving organization.

The storage processing server 14 sends the urgent storage information via the network 15 to a data center 16 such as a billing organization.
On the other hand, the normal storage information is collectively recorded for a predetermined period (for example, one day) on a recording medium such as a magnetic tape (MT). A recording medium in which normal storage information is recorded is conveyed to a data center 16 such as a billing agency.

Then, in the data center 16 such as the billing organization, for example, the billing terminal or the billing information processing server is used to perform the billing information processing. Normal storage information is read from the conveyed recording medium and batch processed. Also,
The urgent storage information is processed in real time every time it is received via the network 15.

FIG. 15 is a block diagram of the second embodiment of the system for realizing the storage processing method of the present invention. Note that FIG.
The system 2 is similar to the system 1 of FIG. 1 except for a part, and the same portions are denoted by the same reference numerals and the description thereof will be omitted.

In the system 2, the counter terminal 1 of the system 1
Automatic storage devices 61a to 61n are used instead of 1a to 11n. The automatic storage devices 61a to 61n are realized by, for example, an automatic teller machine (ATM). It should be noted that stores 10 of storage institutions such as financial institutions that provide storage services
Automatic storage devices 61a to 61n installed in a to 10n
May be one or more. Automatic storage devices 61a-6
1n is operated by the customer, for example.

In the system 2, the host computer 62 is used instead of the storage processing server 14 of the system 1. The host computer 62 is the storage processing server 14
Shall have the function of. Automatic storage devices 61a to 61
n is configured as shown in FIG. 16, for example.

FIG. 16 is a block diagram of an embodiment of the automatic storage device. The automatic storage device 61 includes a card reader 71,
The operation screen unit 72, the deposit / withdrawal unit 73, the passbook entry unit 74, the main control unit 75, and the communication control unit 78 are included.

For example, billing organizations such as public enterprises and companies
An invoice with the information required for storage services, such as the institution code corresponding to the billing organization, the customer code corresponding to the customer, the payment deadline date, the billing amount, etc., and the information printed on the bill were magnetically recorded. Create a billing card 70 and send it to the customer who bills for the payment. The billing card 70 is made of a material and shape similar to a telephone card, for example, in consideration of convenience of carrying or manufacturing cost.

The customer who uses the storage service inserts the billing card 70 sent from the billing organization into the card reader section 71 of the automatic storage device 61. The card reader unit 71 is
Information necessary for the storage service, such as an institution code, a customer code, a payment deadline, and a billing amount, is read from the billing card 70 as bill data. Alternatively, the automatic storage device 61 may be provided with a function such as a barcode or a two-dimensional barcode so that the billing data can be read from the bill. Furthermore, if the billing card 70 has not been sent, the customer may input information necessary for the storage service from the operation screen unit 72.

The automatic storage device 61 temporarily stores the billing data read from the billing card 70 and transmits it to the host computer 62 via the main controller 75 and the communication controller 78. Upon receiving the bill data, the host computer 62, like the storage processing server 14 of FIG.
Start the storage process. The storage processing performed by the host computer 62 is the same as that of the storage processing server 14, and a description thereof will be omitted.

The host computer 62 sends the discount storage amount, the storage fee, and the storage fee discount amount to the automatic storage device 61. The automatic storage device 61 is a discount storage amount,
Storage screen 72 and storage screen discount amount
To display. The customer who uses the storage service confirms the discount storage amount, the storage fee, and the storage fee discount amount displayed on the operation screen unit 72, for example, and subtracts the discount storage amount and the storage fee discount amount from the storage fee. 7
Insert in 3.

Discount storage amount and storage fee When the storage fee after subtracting the discount amount is inserted into the deposit / withdrawal section 73, the automatic storage device 61 prints, for example, invoice data, discount storage amount, storage fee and storage fee discount amount. Issue payment notice. Note that the processing after issuing the payment notice is the same as the processing of the storage processing server 14 described above, so description thereof will be omitted.

The present invention is not limited to this embodiment, and various forms such as a combination of a discount of a billing amount and a service point for a storage fee, a combination of a service point for a billing amount and a discount of a storage fee are possible.

[0113]

As described above, according to the present invention, by properly setting the prepaid payment deadline date and the discount amount, it is possible to disperse the reception dates for receiving the storage service request from the payer and provide the storage service. A receiving organization (for example, a financial institution) can level the work load.

Further, the payer can reduce the cost for paying the billing amount by the discount amount according to the storage service request date. Therefore, the receiving organization that provides the receiving service can be expected to increase the number of cases of receiving the receiving service and increase the fee income.

Further, according to the present invention, the biller can receive a large amount of bill before the payment deadline in advance,
It is possible to reduce collection risk and financial burden.

Further, according to the present invention, the discount amount of at least one of the billing amount and the storage fee can be calculated.

Further, according to the present invention, by appropriately setting the discount time zone and the discount amount, it is possible to disperse the reception time when the payer requests the storage service, and the storage organization that provides the storage service has a low workload. Can be leveled.

Further, the payer can reduce the cost for paying the billing amount by the discounted amount according to the storage service request time. Therefore, the receiving organization that provides the receiving service can be expected to increase the number of cases of receiving the receiving service and increase the fee income.

Further, according to the present invention, the storage organization which provides the storage service sets the time period when the window service is relatively idle, for example, as a discount time period, so that the load of the window service is leveled. You can

Further, according to the present invention, the discount amount of at least one of the billed amount and the storage fee can be calculated.

Further, according to the present invention, the payer can receive service points in accordance with the requested date of storage service, and can receive various benefits in exchange for the received service points, for example.

Therefore, by appropriately setting the prepaid payment deadline date and the service points, it is possible to disperse the reception dates for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. You can In addition, the storage organization that provides storage services can be expected to increase the number of cases of storage services handled and increase commission income.

Further, according to the present invention, the payer can receive service points in accordance with the storage service request time, and can receive various benefits in exchange for the received service points, for example.

Therefore, by properly setting the prepaid payment deadline date and the service points, it is possible to disperse the reception time for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. You can In addition, the storage institutions that provide storage services are
An increase in the number of storage services handled and an increase in commission income can be expected.

Further, according to the present invention, the discount is made according to the result of comparison between the prepaid payment deadline date provided corresponding to the supplied billing information and the reception date when the storage service request is received from the payer. The amount of money can be calculated.

Further, according to the present invention, the discount amount is calculated in accordance with the result of comparison between the advance payment deadline date provided corresponding to the supplied billing information and the payment service acceptance date from the payer. be able to.

[0127]

[Brief description of drawings]

FIG. 1 is a configuration diagram of a first embodiment of a system that realizes a storage processing method of the present invention.

FIG. 2 is a configuration diagram of an embodiment of a storage processing server of the present invention.

FIG. 3 is a flowchart of an example of processing related to a storage processing server.

FIG. 4 is an image diagram of an example of a bill.

FIG. 5 is a configuration diagram of an example of bill data.

FIG. 6 is a configuration diagram of an example of a storage destination information table.

FIG. 7 is a configuration diagram of an example of storage input data.

FIG. 8 is a block diagram of an example of a fee information table.

FIG. 9 is a configuration diagram of an example of a fee discount condition table.

FIG. 10 is an image diagram of an example of a payment notice.

FIG. 11 is a flowchart of another embodiment of processing related to the storage processing server.

FIG. 12 is a configuration diagram of another example of storage input data.

FIG. 13 is a diagram showing another example of the fee information table.

FIG. 14 is a configuration diagram of an example of a service point storage information table.

FIG. 15 is a configuration diagram of a second embodiment of a system for realizing the storage processing method of the present invention.

FIG. 16 is a configuration diagram of an example of an automatic storage device.

[Explanation of symbols]

1, 2 system 11a-11n counter terminal 14 Storage processing server 12,15 network 17a to 17m Terminal for claimant 31 Input device 32 display 33 Drive device 34 recording media 35 Auxiliary storage device 36 memory devices 37 arithmetic processing unit 38 Interface device 39 Database (DB) 41 Key input section 42 Display 43 bar code reader 44 Printing department 45 Terminal control unit 46 Storage destination information table 47,51 fee information table 48 Fee discount condition table 50 magnetic card reader 52 Service point accumulated information table 70 Billing Card 71 Card reader 72 Operation screen section 73 deposit and withdrawal department 74 Passbook entry section 75 Main controller 76 Screen control unit 77 Storage processing unit 78 Communication control unit

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁷ Identification symbol FI theme code (reference) G07D 9/00 436 G07D 9/00 436B (72) Inventor Masahiro Matsubara 1-8- Kajimachi, Chiyoda-ku, Tokyo 3 Local Bank Network Service Co., Ltd. (72) Inventor Keiichi Kitajima 2-45 Aomi, Koto-ku, Tokyo Fujitsu FIP Co., Ltd. F-term (reference) 3E040 AA01 AA03 AA08 BA07 CA14 CB04 EA01 EA10

Claims (15)

[Claims] 1. A storage processing method for acquiring billing information billed to a payer by a biller and storing a billing amount according to the billing information on behalf of the biller at the request of the payer. A step of reading out the billing party information corresponding to the acquired billing information and reading the setting information of the prepaid payment deadline date from the specified billing person information, and the reception date and the setting information received from the payer for the storage. Based on the prepaid payment deadline date, there is a calculation step of calculating a discount amount according to the result of the comparison, and an output step of outputting a discount claim amount discounted by the discount amount, and stores the discount claim amount. A storage processing method characterized by the above. 2. The discount amount is calculated in the calculating step, if the date of receipt of a receipt request from a payer is earlier than the advance payment deadline.
The storage treatment method described. 3. In the calculating step, the date of receipt of a receipt request from a payer and the advance payment deadline date are compared, and at least a billing amount or a storage fee discount amount is calculated according to the comparison result. Claim 1 or 2 characterized by
The storage treatment method described. 4. A storage processing method for acquiring billing information billed to a payer by a biller and storing a billing amount according to the billing information on behalf of the biller according to a request from the payer. Compare the read-out stage that reads the discount time zone setting information from the discount condition information with the reception time when the payer requests storage and the discount time zone based on the setting information, and calculate the discount amount according to the comparison result. And a step of outputting a discount claim amount obtained by discounting the discount amount, and storing the discount claim amount. 5. In the calculating step, if the reception time when a receipt request is received from the payer is included in the discount time zone,
The storage processing method according to claim 4, wherein the discount amount is calculated. 6. The calculating step comprises comparing an acceptance time when a payment request is received from a payer and the discount time zone, and calculating at least a billing amount or a discount amount of a storage fee according to the comparison result. The storage processing method according to claim 4 or 5, which is characterized in that. 7. A storage processing method for acquiring billing information billed to a payer by a biller and storing a billing amount according to the billing information on behalf of the biller at the request of the payer. A step of reading out the billing party information corresponding to the acquired billing information and reading the setting information of the prepaid payment deadline date from the specified billing person information, and the reception date and the setting information received from the payer for the storage. Comparing the prepaid payment due dates based on the above, and having a calculation step of calculating service points according to the comparison result, and an output step of outputting the service points, and storing a charge amount according to the billing information. Characterizing storage treatment method. 8. A storage processing method for acquiring billing information billed to a payer by a biller and storing a billing amount according to the billing information on behalf of the biller at the request of the payer, The reading stage for reading the setting information of the discount time zone from the discount condition information is compared with the reception time when the payer requests the storage and the discount time zone based on the setting information, and the service points are determined according to the comparison result. A storage processing method comprising: a calculation step of calculating and an output step of outputting the service points, and storing a billing amount according to the billing information. 9. The storage processing method according to claim 7, wherein the service points are accumulated for each payer. 10. A read procedure for identifying biller information corresponding to the obtained billing information on a computer and reading setting information of a prepaid payment due date from the identified biller information, and a receipt request from the payer. The reception date and the prepaid payment due date based on the setting information are compared, and the calculation procedure for calculating the discount amount according to the result of the comparison and the output procedure for outputting the discount billing amount obtained by discounting the discount amount are executed. A storage processing program for storing the discount billed amount. 11. A reading procedure for reading setting information of a discount time zone from the discount condition information on a computer, a reception time when a payment request is received from a payer, and a discount time zone based on the setting information, and comparing A storage processing program for storing the discount bill amount by executing a calculation procedure for calculating a discount amount according to the result and an output procedure for outputting the discount bill amount discounted. 12. A storing process for acquiring billing information billed to a payer by a biller and processing a billing amount according to the billing information performed on behalf of the biller at the request of the payer. The server identifies the biller information corresponding to the acquired billing information, reads the setting information of the prepaid payment deadline date from the specified biller information, and receives the receipt date and the setting information from the payer. And a discount amount calculation unit for calculating a discount amount according to a result of comparison of prepaid payment deadlines based on the above, and a discount amount output unit for outputting a discount claim amount obtained by discounting the discount amount. A storage processing server characterized by storage processing. 13. A storing process for acquiring billing information billed to a payer by a biller and processing a billing amount according to the billing information performed on behalf of the biller at the request of the payer. The server reads the discount time zone setting information from the discount condition information and
A discount amount calculation means for calculating a discount amount according to a result of comparison between a reception time when a payer has received a storage request and a discount time period based on the setting information, and a discount billing amount obtained by discounting the discount amount. A storage processing server, comprising: a discount amount output means, for storing the discount claim amount. 14. A storage processing method for storing information using an information input / output terminal and a storage processing server connected to the information input / output terminal via a network, wherein the information input / output terminal is charged by a claimant. An input step in which billing information billed to the payer is input, and the billing information input is supplied from the information input / output terminal to the storage processing server, and the storage processing server converts the input billing information into the input billing information. A read step of identifying corresponding biller information and reading setting information of a prepaid payment deadline date from the identified biller information, the receipt processing date when the receipt processing server receives a receipt request from the payer, and the setting information. And a calculation step of calculating a discount amount according to the result of the comparison, and a discount claim amount obtained by discounting the discount amount from the storage processing server. An output step of supplying the discount claim amount to the terminal and outputting the discount claim amount from the information input / output terminal, wherein the discount claim amount is stored from a payer on behalf of the claimant. . 15. A storage processing method for performing storage processing using an automatic storage terminal and a storage processing server connected to the automatic storage terminal via a network, wherein a billing information card on which billing information is recorded is the automatic storage terminal. A bill information reading step of reading bill information recorded in the bill information card inserted in the storage device, and the read bill information is supplied from the automatic storage terminal to the storage processing server, and the storage processing server A read step of identifying biller information corresponding to the billing information and reading setting information of the prepaid payment deadline date from the identified biller information; and the storage processing server, the receipt date of the storage and the advance payment based on the setting information. A calculation step of comparing the deadline dates and calculating a discount amount according to the result of the comparison, and whether the discount charge amount obtained by discounting the discount amount is the storage processing server. It has an output step of being supplied to the automatic storage terminal and outputting the discount claim amount to the automatic storage terminal, and a storage step of storing the discount claim amount from a payer on behalf of the claimant. How to store.