JP2003022468A - Terminal, program, and method for payment processing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a terminal, a program, and a method for payment processing which enable leveling of the operation load on a storage institution providing payment service, reduction in the collection risk and financial load that a claimant has, provision of economical profit to a payer, and increase in the commission income of the payment institution providing the payment service. SOLUTION: The method for payment processing has an input stage where request information is inputted to a payment terminal 11, a readout stage where the payment processing terminal 11 specifies claimant information and reads setting information on a prepayment limit day out of the specified claimant information, a calculation stage where the payment processing terminal 11 compares a reception date with the prepayment limit day and a discount amount is computed according to the result of the comparison, and an output stage where the payment processing terminal 11 outputs the discount request amount after the discount amount is subtracted from a bill amount; and 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 terminal, a storage processing program, and a storage processing method, and more particularly to a storage processing terminal for storing the amount charged by a claimant to a payer on behalf of the claimant. And a storage processing program and a storage processing method.

[0002]

2. Description of the Related Art For example, a storage institution such as a financial institution or a convenience store provides a storage service for storing a charged amount on behalf of a claimant at the request of a payer. In this storage service, the storage organization receives the billed amount from the payer and stores the billed amount on behalf of the biller. 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 service provider, etc., uses a storage service provided by a storage institution to pay a bill such as a utility bill charged by a public service provider as a claimant. 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 terminal, a storage processing program, and a storage processing method capable of giving an economic benefit to a payer and increasing commission income of a storage institution that provides a storage service.

[0009]

In order to solve the above problems, the present invention provides a storage processing terminal which is installed in a storage engine and which assists the storage of the billed amount on behalf of the claimant. Acquisition means for acquiring billing information billed to the payer from, and reading means for identifying the biller information corresponding to the acquired billing information and reading the prepaid payment due date setting information from the identified biller information And a receipt means for receiving a receipt from the payer and a prepaid payment due date based on the setting information, and calculating means for calculating a discount amount according to the result of the comparison, and a billing amount according to the billing information. Output means for outputting the discount charge amount obtained by discounting the discount charge amount, and stores the discount charge amount.

In such a storage processing terminal, a prepaid payment deadline is set so as to correspond to 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. To calculate. Then, the discount billing amount obtained by discounting the discount amount from the billing amount according to the billing information is received from the payer.

Therefore, by appropriately setting the advance payment payment deadline and the discount amount, it is possible to disperse the reception dates when the payer requests the storage service, and the storage institutions (for example, financial institutions) that provide the storage service The work load can be leveled.

Further, the payer can reduce the cost for paying the invoiced amount by the discounted 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 the calculating means calculates the discount amount 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 terminal, 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.

Further, according to the present invention, the calculating means compares the date of receipt of a receipt request from a payer with the advance payment deadline date, and at least the charge amount or the discount amount of the storage fee according to the comparison result. Is calculated.

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

Further, according to the present invention, the storage means for storing the table information necessary for outputting the discount billing amount is connected to the server device, and the table information is updated according to the master information managed by the server device. And an updating unit for performing the updating.

In such a storage processing terminal, the table information necessary for outputting the discount billing amount can be updated at the time of starting.

Further, according to the present invention, a storage means for storing table information necessary for outputting the discount bill amount, a determination means connected to the server device for determining the necessity of updating the table information, and a determination result. And updating means for updating the table information according to the master information.

In such a storage processing terminal, it is possible to identify the table information that needs to be updated by determining the need for updating each table information, and update only the identified table information.

Further, according to the present invention, the billing information charged by the biller to the payer is acquired in the billing processing terminal installed in the billing facility and supporting the billing amount to be stored on behalf of the biller. And the reading means for reading the discount time zone from the discount condition information, the reception time when the payer requests the storage and the discount time zone, and the discount amount is calculated according to the comparison result. The present invention is characterized by having a calculating means and an output means for outputting a discount charge amount obtained by discounting a discount amount from the charge amount according to the charge information, and storing the discount charge amount.

In such a storage processing terminal, a discount time zone is provided 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 zone when the storage service request is received from the payer. calculate. Then, the discount billing amount obtained by discounting the discount amount from the billing amount according to the billing information 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 providing the storage service can level the work load. it can.

Further, the payer can reduce the cost for paying the billed amount by the discount amount according to the request time of the storage service. 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 the calculating means calculates the discount amount if the reception time at which the payer requests storage is included in the discount time zone.

In such a storage processing terminal, the storage organization that provides the storage service can set the window of the window service relatively quietly, for example, as a discount time zone to level the load of the window service. You can

According to the present invention, the calculating means compares the reception time when the payer requests storage and the discount time zone, and at least the billing amount or the storage fee discount amount is calculated according to the comparison result. It is characterized by calculating.

With such a storage processing terminal, 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 obtained at the billing processing terminal installed in the billing facility and supporting the billing amount to be stored on behalf of the biller. Acquiring means for specifying the biller information corresponding to the acquired billing information, and reading means for reading the setting information of the advance payment deadline date from the specified biller information.
Comparing a reception date when a receipt request is received from a payer and a prepaid payment deadline date based on the setting information, a calculation unit that calculates a service point according to a result of the comparison, and an output unit that outputs the service point. It is characterized in that the billing amount is stored according to the billing information.

In such a storage processing terminal, a prepaid payment deadline is set so as to correspond to the billing information, and a service is provided according to the result of comparing the reception date when the storage service is requested by the payer and the prepaid payment deadline. Calculate points.
The calculated service points are accumulated for each payer. The payer can receive service points in accordance with 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, according to the present invention, the billing information charged by the biller to the payer is obtained in the billing processing terminal installed in the billing facility and supporting the billing amount to be stored on behalf of the biller. And the reading means for reading the discount time zone from the discount condition information, the reception time when the payer requests the storage and the discount time zone, and the service point is calculated according to the comparison result. It has a calculating means and an output means for outputting the service point, and stores the billing amount according to the billing information.

In such a storage processing terminal, a discount time zone is provided so as to correspond to the billing information, and service points are given in accordance with the result of comparing the reception time when the storage service is requested by the payer and the discount time zone. calculate. The calculated service points are accumulated for each payer. 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 appropriately 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.

[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 shows a block diagram of an embodiment of a system for realizing the storage processing method of the present invention. For example, the storage processing terminals 11a to 11n are installed at the windows of the stores 10a to 10n of financial institutions that provide storage services. In addition,
One or more storage processing terminals 11a to 11n may be installed at the windows of the stores 10a to 10n, respectively. The storage processing terminals 11a to 11n are operated by, for example, staff members of financial institutions.

The billed amount (stored amount) stored by the storing organization on behalf of the claimant is supplied from the storing organization to the claimant. The deposit processing terminals 11a to 11n may transfer the bill amount stored on behalf of the biller to the biller's account by using a separately provided bill transfer processing system.

The information processing server 14 is installed in the data center 13 of a financial institution or a third-party institution commissioned by the financial institution, and is, for example, a LAN (Local Area Network).
Storage processing terminals 11a to 1 via the network 12 such as
Connected to 1n. The information processing server 14 creates storage information to be transmitted to the billing organization and manages information necessary for storage processing.

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 information 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 terminals 11a to 11n are shown in FIG.
It is configured like. FIG. 2 shows a block diagram of an embodiment of the storage processing terminal of the present invention. Storage processing terminals 11a to 11n
The computer system for realizing the above includes an input device 31 and a display device 3 which are connected to each other by a bus B.
2, a drive device 33, a recording medium 34, an auxiliary storage device 35, a memory device 36, an arithmetic processing device 37,
The interface device 38 and the database (hereinafter, D
39) and a reading device 40.

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, and is composed of, for example, a LAN card, a modem and the like.

The DB 39 stores, for example, a storage destination information table, a fee information table, a fee discount condition table, etc. necessary for performing the storage processing of the present invention. In addition,
Details of the storage destination information table, the fee information table, and the fee discount condition table will be described later. Reader 4
Reference numeral 0 denotes an information reading device for reading necessary information from a bill or a customer identification certificate, which is composed of, for example, a bar code reader, a magnetic card reader, or the like.

The storage processing program for realizing the storage processing terminals 11a to 11n of the present invention is provided by the recording medium 34. The recording medium 34 for recording the storage processing program is a recording medium such as a CD-ROM, a floppy (registered trademark) disk, or a magneto-optical disk (MO) for recording information optically, electrically or magnetically, and ROM. It is possible to use various types of recording media such as a semiconductor memory that electrically records information such as a flash memory.

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 terminals 11a to 11n 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 terminal. For example, a billing institution (contracting institution) such as a public enterprise or a company may print an invoice as shown in FIG. 4 in which an institution code corresponding to the billing institution, a customer code corresponding to the customer, a payment deadline date and a billing amount are printed. Create and send an invoice to the customer who bills for the payment.

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 man-machine interface unit such as a bar code reader 43 and a printing unit 44, an input / output control unit 45, and a terminal control unit 4
6 is installed. The man-machine interface unit is connected to the terminal control unit 46 via the input / output control unit 45. The key input unit 41
May be anything that can input information, such as a touch panel input unit.

The staff of the financial institution uses the bar code reader 43 of the storage processing terminal 11 to read the institution code from the bill and
Information necessary for storage service such as customer code, payment deadline, billing amount, etc. is read out as bill data. The invoice data read by the barcode reader 43 is stored in the input / output control unit 4
5, and is supplied to the terminal control unit 46 via the input / output control unit 45. If the bar code is not printed on the bill, the staff may input the information necessary for the storage service from the key input unit 41.

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 46
Starts receiving processing when receiving the bill data.

In step S1, the terminal control unit 46 performs a discount amount calculation process. The discount amount calculation process is performed in the following procedure. First, the terminal control unit 46 searches the storage location information table 50 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 50 of FIG. 6 includes an institution name corresponding to a billing institution (accommodation entrusting institution), an institution code, and
The items include an address and a prepaid deadline set by the billing organization.

The storage destination information table 50 of FIG. 6 is for registering information about the billing institution that has made a charge 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 terminal control unit 46 controls the storage destination information table 5
The item "advance payment deadline" corresponding to the institution code of the invoice data is read from 0, while the current date is read from the operation system or the like as the reception date information. The reception date and time information may be supplied from the information processing server 14 to the storage processing terminal 11.

The terminal control unit 46 uses the storage destination information table 5
The prepaid payment deadline date is calculated as described above using the item “advance payment deadline date” read from 0 and the payment deadline date of the invoice data. The terminal control unit 46 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 reception date and time information is before the calculated prepaid payment deadline date, the terminal control unit 46 calculates the discount amount of the billed amount using the billed amount of the bill data. The terminal control unit 46 calculates the discount amount of the billed amount using, for example, the following formula (1).

Discount amount = claimed amount × ordinary deposit interest rate × fixed coefficient (1) The fixed coefficient is, for example, more than the interest obtained when the customer deposits the claimed 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 terminal control unit 46 calculates the discount storage amount by subtracting the discount amount of the charged amount from the charged amount. On the other hand, if it is not before the prepaid payment deadline date calculated by the reception date information, the terminal control unit 46 does not calculate the discount storage amount, and outputs the billed amount as the discount storage amount.

Further, the terminal control unit 46 reads the institution name corresponding to the institution code of the bill data from the storage destination information table 50, and uses the read institution name and bill data to input the receipt 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 code of the billing data. The storage organization information including the item “storage organization code”, the item “dealer code”, and the item “handling terminal code” is added to the bill data by the terminal control unit 46 of the storage processing 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 storage processing terminal 11 that performs storage processing.

In step S2 following step S1, the terminal control section 46 performs a fee calculation process. The fee calculation process is performed in the following procedure. First, the terminal control unit 4
6 reads out the discount storage amount and storage input data. The terminal control unit 46 selects a corresponding record from the fee information table 51 as shown in FIG. 8 using the institution code of the stored input data as key information.

FIG. 8 is a block diagram showing an example of the fee information table. The fee information table 51 of FIG. 8 includes items such as an institution code, a storage amount lower limit, a storage amount upper limit, a storage fee, and a storage fee discount amount.

The terminal control unit 46 refers to the items "lower limit of stored amount" and "upper limit of stored amount" of the record in which the institution code is selected as the key information, and the discount stored amount is within the range of the stored amount lower limit and the stored amount upper limit. Select another record.

Further, the terminal control unit 46 reads the fee discount condition information from the fee discount condition table 52 as shown in FIG. FIG. 9 is a block diagram showing an example of the fee discount condition table. The fee discount condition table 52 of FIG. 9 includes discount start time and discount end time as items. In the fee discount condition table 52, a discount start time and a discount end time may be set for each weekday and holiday, for example.

The terminal control unit 46 reads out the discount start time and the discount end time as the fee discount condition information, and at the same time, reads the current time from the operation system or the like as the reception date and time information. Note that the reception date information is the information processing server 14
It may be supplied from the storage processing terminal 11 to the storage processing terminal 11.

The terminal control unit 46 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 terminal control unit 46 reads the storage fee and the storage fee discount amount of the record selected 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 terminal control unit 46 reads the storage fee of the selected record from the fee information table 51, and sets the storage fee discount amount to 0. . The storage fee and the storage fee discount amount may be fixed amounts.

The terminal control unit 46 transmits the discount storage amount, the storage fee and the storage fee discount amount to the input / output control unit 45. The input / output control unit 45 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 payment amount and storage fee When payment of the storage commission after deducting the discount amount is completed, the storage processing terminal 11 uses the printing unit 44 to invoice data, discount storage amount, storage fee and storage fee and the like. The payment notice as shown in FIG. 10 in which is printed is issued.

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.

Further, the terminal control unit 46 transmits the storage input data, the discount storage amount, the storage fee and the storage fee discount amount to the information processing server 14. Information processing server 14
When receiving the storage input data, the discount storage amount, the storage fee, and the storage fee discount amount, the process proceeds to the storage information creating process of step S3.

The storage information creation process of step S3 is performed in the following procedure. The information processing server 14 creates storage information for each billing institution using the received storage input data, discount storage amount, storage fee and storage fee discount amount. In the case of delayed storage where the payment date is after the payment deadline, 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 information 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 date, outputs it as normal storage information, and the payment date is after the payment deadline date. If the storage is delayed, it is output as urgent storage information.

The information processing server 14 sequentially transmits the urgent accommodation information to the data center 16 of the billing organization (accommodation entrusting organization) via the network 15. Further, the information processing server 14 sends the normal storage information to the data center 16 of the billing organization via the network 15 for a predetermined period (for example, 1
Sent every 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.

The information processing server 14 also manages a storage destination information table master 53, a fee information table master 54, and a fee discount condition table master 55. For example, the storage processing terminal 11 communicates with the information processing server 14 when the power is turned on or when the terminal processing is blocked, and the storage destination information table is stored according to the storage destination information table master 53, the fee information table master 54, and the fee discount condition table master 55. 50, the fee information table 51, and the fee discount condition table 52 are updated. This is one or more storage processing terminals 1
This is because the storage destination information table 50, the fee information table 51, and the fee discount condition table 52 in FIG.

The storage processing terminal 11 updates the date and time of the storage destination information table 50, the fee information table 51, and the fee discount condition table 52, the storage destination information table master 53, the fee information table master 54, and the fee discount condition table. By comparing with the update date / time information of the master 55, the storage destination information table 50 and the fee information table 5
1, it is possible to determine whether or not the fee discount condition table 52 is the latest information. The storage processing terminal 11 has, for example, a storage destination information table 50 and a fee information table 5
1, when the fee discount condition table 52 is not the latest information, the storage destination information table 50, the fee information table 5
1. The fee discount condition table 52 can be updated.

In the data center 16 of the billing organization, for example, the billing terminal or the receipt information processing server is used to perform the receipt information processing in step S4. The normal storage information collectively transmitted from the information 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 15.

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 the example in which the billing amount and the storage fee are discounted has been described with reference to FIG. 3, service points may be provided to the customer. FIG. 11 shows a flowchart of another embodiment of the processing related to the storage processing terminal. 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,
Storage processing terminal 1 including a man-machine interface unit such as a bar code reader 43, a printing unit 44, and a magnetic card reader 60, an input / output control unit 45, and a terminal control unit 46.
1 is installed. The man-machine interface unit is connected to the terminal control unit 46 via the input / output control unit 45. 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 storage organization uses the bar code reader 43 of the storage processing terminal 11 to extract the institution code from the bill.
Information necessary for storage service such as customer code, payment deadline, billing amount, etc. is read as bill data.

The bill data read by the bar code reader 43 is supplied to the terminal control unit 46 via the input / output control unit 45. If the bar code is not printed on the bill, the staff may input the information necessary for the storage service from the key input unit 41. In addition, the staff of the storage organization
The personal code is read from the customer identification certificate using the magnetic card reader 60 of the storage terminal 11. If the customer identification certificate is not submitted, the fact may be input from the key input unit 41.

The input / output control unit 45 temporarily stores the bill data as shown in FIG. 5, and also transmits the bill data and the personal code to the terminal control unit 46. Upon receiving the bill data and the personal code, the terminal control unit 46 starts the storing process.

In step S10, the terminal control section 46 performs service point calculation processing. The service point calculation process is performed in the following procedure. First, the terminal control unit 46
Determines whether or not the reception date information is before the calculated prepaid payment deadline date, as in step S1 of FIG.

If the reception date and time information is before the calculated prepaid payment deadline date, the terminal control unit 46 calculates the first service point using the billing amount of the bill data. The terminal control unit 46 calculates the first service point using, for example, the following equation (2).

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, if the reception date and time information is not before the calculated prepaid payment deadline date, the terminal control unit 46 does not calculate the first service point.

Further, the terminal control unit 46 reads the institution name corresponding to the institution code of the bill data from the storage destination information table 50, and uses the read institution name and the invoice 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 terminal control unit 46 performs a fee calculation process. The fee calculation process is performed in the following procedure. First, the terminal control unit 46 reads the storage input data. The terminal control unit 46 selects the corresponding record from the fee information table 57 as shown in FIG. 13 using the institution code of the stored input data as key information.

FIG. 13 is a block diagram showing an example of the fee information table. The fee information table 57 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. The terminal control unit 46
Similar to the fee calculation process of FIG. 3, a record whose billing amount is within the range of the stored amount lower limit and the stored amount upper limit is further selected.

Further, the terminal control unit 46 reads the fee discount condition information from the fee discount condition table 52 as shown in FIG. Similar to step S2 of FIG. 3, the terminal control unit 46 compares the reception date and time information with the discount start time and the discount end time, and whether the reception date and time information is included in the time zone of the discount start time and the discount end time. Determine whether or not.

If the reception date and time information is included in the time period of the discount start time and the discount end time, the terminal control unit 46 reads the storage fee and the second service point of the record selected from the fee information table 57. 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 terminal control unit 46 reads the storage fee of the selected record from the fee information table 57, while setting the second service point to 0. To do.

The terminal control unit 46 sends the billing amount, the storage fee, the first service point and the second service point to the input / output control unit 45. Input / output control unit 45
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 storage processing terminal 11 uses the printing unit 44 to print the bill data, the billed amount, the storage fee, the first service point, the second service point, and the like. The payment notice as shown in FIG. 15 is issued.

FIG. 15 is an image diagram of an example of the payment notice. The payment notice of FIG. 15 includes a bill number 150, a receipt date / time 151, a storing institution name 152, an institution code 153.
An issue date 154, a billing amount 155, a first service point 156, a storage fee 157, a second service point 158, a total amount 159 and a processing window ID 160 are printed.

Further, the terminal control unit 46 transmits the storage input data, the storage fee, the first service point and the second service point to the information processing server 14. The information processing server 14 stores the storage input data, the storage fee, the first
When the service point and the second service point are received, the process proceeds to the storage information creating process of step S12.

The storage information creation process of step S12 is performed in the following procedure. The information processing server 14 stores the storage input data, the storage fee, the first service point, and the second storage point.
Create normal and urgent storage information for each billing institution using the service points of.

Further, the information processing server 14 stores the first service point and the second service point in the service point storage information table 56 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 56 of FIG. 14 includes items such as a personal code, a name, an address, service points, and a storing agency code.

The information processing server 14 searches the record of the service point accumulation information table 56 by using the personal code of the stored input data as key information, and sets the first service point and 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 "personal code" of the stored input data is "non-personal code", the service point accumulation information table 56 is not updated.

The service points stored in the service point storage information table 56 can be used by the billing organization or the receiving organization for various benefits and conveniences.
The service point storage information table 56 may be held by either the billing organization or the receiving organization.

The information processing server 14 sends the urgent storage information via the network 15 to the data center 16 such as the 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.

The information processing server 14 also manages a storage destination information table master 53, a fee information table master 54, and a fee discount condition table master 55. For example, when the storage processing terminal 11 is powered on, the information processing server 14
And the storage destination information table master 53, the fee information table master 54, the fee discount condition table master 5
According to 5, the storage destination information table 50, the fee information table 57, and the fee discount condition table 52 are updated.

The storage processing terminal 11 updates the date and time information of the storage destination information table 50, the fee information table 57, and the fee discount condition table 52, the storage destination information table master 53, the fee information table master 54, and the fee discount condition table. By comparing with the update date / time information of the master 55, the storage destination information table 50 and the fee information table 5
7. It is possible to judge whether the fee discount condition table 52 is the latest information. The storage processing terminal 11 has, for example, a storage destination information table 50 and a fee information table 5
7. When the fee discount condition table 52 is not the latest information, the storage destination information table 50 and the fee information table 5
7. The fee discount condition table 52 can be updated.

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

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

[0109]

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 invoiced amount by the discounted 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 claimant can receive a large amount of the claim amount before the prepayment payment deadline date.
It is possible to reduce collection risk and financial burden.

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 for receiving the storage service request from the payer, and the storage institution that provides the storage service has a low workload. 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 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 storing organization which provides the storing service sets the time period when the window service is relatively idle, for example, as a discount time period, to level the load of the window service. You can

Further, according to the present invention, the payer can receive service points in accordance with 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, 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 appropriately setting the discount time zone and the service points, it is possible to disperse the reception time when the payer requests the storage service, and the storage organization providing the storage service can level the work load. it 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.

[0119]

[Brief description of drawings]

FIG. 1 is a configuration diagram of an 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 terminal of the present invention.

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

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 terminal.

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 an image diagram of another example of a payment notice.

[Explanation of symbols]

1 system 11a to 11n, 11 storage processing terminal 14 Information 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) 40 reader 41 Key input section 42 Display 43 bar code reader 44 Printing department 45 I / O controller 46 Terminal control unit 50 Storage information table 51,57 Fee information table 52 Fee Discount Condition Table 53 Storage destination information table master 54 Fee Information Table Master 55 Fee Discount Condition Table Master 56 Service point accumulated information table 60 magnetic card reader

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 428 G06F 17/60 428 430 430 ZEC ZEC (72) Inventor Tadashi Yamamoto Kaji Town, Chiyoda-ku, Tokyo 1-8-3 Within the regional bank network service Co., Ltd. (72) Inventor Masahiro Matsubara 1-8-3 Within Kaji-cho, Chiyoda-ku, Tokyo Within the regional bank network service co., Ltd. (72) Keiichi Kitajima Koto-ku, Tokyo Aomi 2-45, Fujitsu FIP Limited (72) Inventor, Koji Watanabe 3-1-1, Inazu-cho, Toyonaka, Osaka Prefecture Matsushita Industrial Equipment Co., Ltd. F-term (reference) 3E040 AA03 BA20 CA14 CB04 EA01 EA10

Claims (14)

[Claims] 1. A storage processing terminal, which is installed in a storage organization and supports the storage of a billed amount on behalf of a claimant, and an acquisition means for acquiring billing information from a claimant to a payer. Read means for identifying the biller information corresponding to the obtained billing information and reading the setting information of the prepaid payment deadline date from the identified biller information, the reception date when the storage request is received from the payer, and the setting information Comparing the prepaid payment deadline dates based on the above, and calculating means for calculating the discount amount according to the comparison result, and an output means for outputting the discount claim amount obtained by discounting the discount amount from the claim amount corresponding to the billing information. Then, a storage processing terminal for storing the discount claim amount. 2. The calculating means calculates the discount amount if the date of receipt of a receipt request from the payer is prior to the advance payment deadline.
The storage processing terminal described. 3. The calculating means compares the date of receipt of a receipt request from a payer with the advance payment deadline date, and calculates at least a billing amount or a discount amount of a storage fee according to the comparison result. Claim 1 or 2 characterized by
The storage processing terminal described. 4. Storage means for storing table information necessary for outputting the discount billing amount, and updating means for connecting to the server device and updating the table information according to master information managed by the server device. The storage processing terminal according to claim 1, further comprising: 5. A storage unit for storing table information necessary for outputting the discount billing amount, a determination unit for connecting to a server device and determining the necessity of updating the table information, and based on the determination result, The storage processing terminal according to claim 1, further comprising update means for updating table information according to master information managed by the server device. 6. A storage processing terminal installed in a storage organization for supporting storage of a billed amount on behalf of a claimant, and acquisition means for acquiring billing information from a claimant to a payer. , The reading means 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 discount amount is calculated according to the result of the comparison. A storage processing terminal that has a calculating unit that calculates a discount billing amount obtained by discounting a discount amount from a billing amount according to the billing information, and stores the discount billing amount. . 7. The calculating means, if the reception time when a receipt request is received from the payer is included in the discount time zone,
The storage processing terminal according to claim 6, wherein the discount amount is calculated. 8. The calculating means compares the reception time when the payer requests storage and the discount time zone, and calculates at least the charge amount or the discount amount of the storage fee according to the comparison result. The storage processing terminal according to claim 6 or 7. 9. A storage processing terminal, which is installed in a storage institution and supports storage of a billed amount on behalf of a claimant, and acquisition means for acquiring billing information requested from a claimant to a payer. Read means for identifying the biller information corresponding to the obtained billing information and reading the setting information of the prepaid payment deadline date from the identified biller information, the reception date when the storage request is received from the payer, and the setting information Comparing the prepaid payment deadline dates based on the above, and having a calculating means for calculating a service point according to the result of the comparison and an output means for outputting the service point, and processing to store the billing amount according to the billing information. A storage processing terminal characterized in that. 10. A storage processing terminal, which is installed in a storage organization and supports the storage of a billed amount on behalf of a claimant, and an acquisition means for acquiring billing information charged by a claimant to a payer. , The reading means 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 point is determined according to the comparison result. A storage processing terminal, comprising: a calculation unit that calculates a value and an output unit that outputs the service point, and stores a billing amount according to the billing information. 11. An acquisition procedure for acquiring billing information charged by a biller to a payer and a biller information corresponding to the obtained billing information on a computer, and making advance payment from the identified biller information. A calculation procedure that compares the read procedure for reading the setting information of the deadline date with the date of receipt when the payer requests storage and the advance payment deadline date based on the setting information, and calculates the discount amount according to the comparison result. And an output procedure of outputting a discount charge amount obtained by discounting a discount amount from the charge amount according to the charge information, and storing the discount charge amount. 12. An acquisition procedure for acquiring billing information billed to a payer by a biller on a computer, a read-out procedure for reading setting information of a discount time zone from discount condition information, and a storing procedure from the payer. A calculation procedure for comparing the reception time when the request is received and the discount time zone based on the setting information, and calculating the discount amount according to the result of the comparison, and a discount request obtained by discounting the discount amount from the amount charged according to the billing information. A storage processing program for storing the discount billed amount by executing an output procedure for outputting an amount. 13. A storage processing method for performing storage support using a storage processing terminal and an information processing server connected to the storage processing terminal via a network, wherein the claimant charges the payer. Input step of inputting the billing information to the storage processing terminal, the storage processing terminal identifies the biller information corresponding to the billing information, and reads the prepaid payment due date setting information from the identified biller information. A reading step, a calculation step in which the storage processing terminal compares a reception date when a storage request is received from a payer and a prepaid payment deadline date based on the setting information, and calculates a discount amount according to a result of the comparison, The storage processing terminal outputs a discount claim amount obtained by discounting the discount amount from the claim amount corresponding to the claim information, and stores the discount claim amount from the payer. Storage processing method. 14. A storage processing method for performing storage support using a storage processing terminal and an information processing server connected to the storage processing terminal via a network, wherein the claimant charges the payer. The billing information is input to the storage processing terminal, a reading step in which the storage processing terminal reads discount period setting information from the discount condition information, and the storage processing terminal requests storage from the payer. A calculation step of comparing the received reception time and the discount time zone based on the setting information and calculating a discount amount according to the comparison result, and the storage processing terminal discounts the discount amount from the charge amount according to the billing information. And a step of outputting the discount claim amount, wherein the discount claim amount is received from the payer.