JP2003162643A - Payment slip processing device, payment slip processing method, program for making computer function as payment slip processing device, recording medium with the program recorded thereon - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To permit to efficiently perform payment slip processing concerning charge payment in a financial institution. <P>SOLUTION: A payment slip processing terminal 10 captures image data that an OHR device 14 has acquired reading a payment slip, identifies a payment slip ID based on the image data, and determines the payment slip class representing the processing type of the payment slip. If a scanner device 18 reads the payment slip, a payment slip ID identified with a scanner control device 16 is sent to the payment slip processing terminal 10. The identified payment slip class is printed (if the OHR device 14 has read) on the back side or the like of each payment slip, or a correspondence table concerning a scanner sequential number and the payment slip class is output (if the scanner device 18 has read). <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for processing a payment slip for a fee payment in a financial institution.

[0002]

2. Description of the Related Art Payment of tax and public money such as various taxes is generally made at financial institutions such as banks and post offices. When paying tax public money at a financial institution, the payer submits a tax public money payment statement together with cash or a bankbook to the window at the financial institution's window. The receptionist at the counter sorts each payment slip submitted by the payer by determining the type (that is, the national tax, prefectural tax, city tax, utility charges, etc.) according to the carry-out processing classification. At the same time, the deposit process corresponding to the payment slip type is executed.

[0003]

As described above, at the payment counter of the financial institution, it is necessary for the receptionist to judge the take-out category for each payment slip for the processing inside the financial institution. However, since there are an extremely large number of types of payment slips, considerable skill is required to correctly determine the carry-out category for each type of payment slip. For this reason, the staffing at the counter is restricted, and it is difficult to improve the efficiency of the payment slip processing work. In addition, since there is a possibility that a human error is made in the judgment, confirmation work is required to prevent such a mistake, and in that sense, the work efficiency is reduced.

The present invention has been made in view of the above points, and provides a payment note processing device and a payment statement processing method capable of efficiently performing a payment statement process relating to payment of a fee at a financial institution. The purpose is to

[0005]

The above-mentioned object is defined in claim 1.
As described in, a device for processing a payment slip for fee payment at a financial institution, the image data of the payment slip is read from the payment slip reading device having the function of reading the payment slip and generating the image data. Based on the image data acquisition means to acquire, the payment slip ID identifying means for identifying the payment slip ID representing the type of payment slip based on the acquired image data, and the payment slip ID of the payment slip based on the identified payment slip ID. This is achieved by a payment slip processing device that includes a payment slip classification determination unit that determines a payment slip classification that represents a processing classification and a type output unit that outputs the determined payment slip classification.

Also, According to the invention described in claim 2, in the payment slip processing device according to claim 1, the payment slip ID identifying means records a payment slip ID and pattern data corresponding to a payment slip image for various payment slips. It is characterized in that the payment slip ID is identified by referring to the database and matching with each pattern data.

Further, the invention described in claim 3 is, in the payment note processing device according to claim 1 or 2, the payment amount for identifying the payment amount described in the payment statement based on the acquired image data. With respect to the identification means, a plurality of designated payment slips, the payment amount calculation means for totaling the identified payment amounts for each of the determined payment slip types and calculating the total value of these total values, and the calculated total value And a payment amount output means for outputting.

The invention described in claim 4 is an apparatus for processing a payment slip for fee payment at a financial institution, which is based on image data obtained by reading the payment slip. The payment slip ID acquisition unit that acquires the payment slip ID of the payment slip that is the processing target from the device that has the function of identifying the payment slip ID that represents the type of the payment slip and the payment slip ID of the payment slip based on the acquired payment slip ID. It is characterized by including a payment slip type determination unit that determines a payment slip type that represents a process classification, and a type output unit that outputs the determined payment slip type.

According to the invention described in claim 5, in the payment slip processing device according to any one of claims 1 to 4, the payment slip classification device is installed with the payment slip processing device. It is characterized in that the type of payment slip is determined based on the sales office.

Further, according to the invention described in claim 6, in the payment slip processing device according to claim 5, the payment slip classification determination means determines in advance the payment slip ID for which the business office is identified. And a means for determining whether the specified sales office is a specified sales office, and if the sales office is a specific sales office, an exception type that is predetermined for the specific sales office as a payment slip type of the payment slip. It is characterized by including.

According to the invention described in claim 7, in the payment slip processing device according to any one of claims 1 to 6, the payment slip classification device is installed with the payment slip processing device. It is characterized in that the type of payment slip is determined based on the sales office.

The invention described in claim 8 is generated by incidentally paying a fee based on the payment note ID in the payment note processing device according to any one of claims 1 to 7. It is characterized by further comprising an incidental amount calculation means for calculating an incidental amount.

Further, in the invention described in claim 9, in the payment note processing device according to claim 8, the incidental amount calculation means calculates the incidental amount for the payment statement based on the payment instruction ID. It is characterized in that it includes means for acquiring a rule and means for calculating the incidental amount based on the acquired calculation rule.

Further, in the invention described in claim 10, in the payment slip device according to claim 8 or 9, the incidental amount includes an overdue amount which is a surcharge when the amount is paid after the expiration of the payment deadline. Characterize.

The invention described in claim 11 is, in the payment note processing device according to any one of claims 1 to 10, a means for accumulating the payment amount for each payment note type; Means for transmitting to the host computer means for managing the account at the financial institution an instruction to collectively deposit the total amount of payments accumulated in step 1 into a predetermined first account, and the first account, Means for transmitting to the host computer means an instruction to transfer the accumulated amount of funds for each payment note type to a corresponding account among the second accounts provided corresponding to each payment note type; Is further provided.

The invention according to claim 12 is the payment slip processing device according to any one of claims 1 to 11, wherein the type output means instructs the payment slip reading device to instruct from outside. In the case of having a function of printing on the payment slip according to the above, it is characterized by outputting an instruction to print the determined payment slip type to the payment slip reading device.

According to a thirteenth aspect of the present invention, in the payment note processing device according to any one of the first to eleventh aspects, the type output means includes a plurality of payment statements by the payment note reading device. When it has a function of reading the identification mark of each payment slip and printing the identification mark of each payment slip, the correspondence relation between the identification mark and the determined payment slip type for each payment slip is output.

According to a fourteenth aspect of the present invention, in the payment slip processing device according to any one of the first to thirteenth aspects, the image data acquisition means is provided with a plurality of image data acquisition means in response to an instruction from the outside. The image data of the payment slip is acquired from one device selected from the payment slip reading devices.

The inventions set forth in claims 15 and 16 relate to a method of processing a payment slip for fee payment at a financial institution.

The invention described in claim 17 relates to a program for causing a computer to function as the payment slip processing device according to any one of claims 1 to 14, and the invention according to claim 18 The described invention relates to a recording medium on which the program according to claim 16 is recorded.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an overall configuration diagram of a system which is an embodiment of the present invention. As shown in FIG. 1, the system of the present embodiment is configured to include a payment terminal processing computer terminal (hereinafter referred to as a payment statement processing terminal) 10 provided at a payment window of a financial institution business store. The payment receipt processing terminal 10 is connected to a host computer 12 that manages the funds of each account of a financial institution, and can send instructions to the host computer 12 such as transfer of funds between accounts. It should be noted that in the present embodiment, various processes executed by the payment slip processing terminal 10 as described below are performed by the payment slip processing terminal 10
Is performed by reading and executing a program stored in the hard disk device 10a or the like. This program is recorded on a recording medium 1 such as a CD-ROM or a DVD-ROM.
3 and install it from the recording medium 13 to the hard disk device 10a, or download it via a computer network to the hard disk device 1
You may install to 0a.

The payment receipt processing terminal 10 has an OHR (Over H
An ead reader) device 14, a serial number printing machine 15, and a scanner control device 16 are connected, and further, a scanner device 18 is connected to the scanner control device 16. The OHR device 14 has a function of reading the payment slip set on the original reading surface and sending the image data to the payment slip processing terminal 10. The serial number printer 15
It has a function of printing a serial number instructed from the payment slip processing terminal 10 on the back surface of the payment slip. Further, the scanner device 18 has a function of sequentially and successively reading a plurality of payment slips set in the paper feeding unit and sending the image data to the scanner control device 16, and at the same time, the scanner device 18 can read the payment slips that have been read. It has a function of printing the scanner serial number (the serial number of the payment slip read by the scanner device 18) on the back surface or the like.

The system of this embodiment also includes a payment slip layout database 20 and a table database 2.
2 and a read result storage database 23. The payment slip layout database 20 is a database in which characteristic patterns of each type of payment slip are recorded.
2 to 5 show some examples of payment slips,
Figure 2 is a payment slip for electricity bill payment, Figure 3 is a payment slip for ward tax payment, Figure 4 is a payment slip for health insurance payment, and Figure 5 is a payment slip for property tax payment. ing. The payment slip layout database 20 includes payment slip IDs, data representing characteristic patterns of the payment slips (for example, frame size, characters unique to the payment slips, positions of the characters, etc.) for various types of payment slips. ) Are recorded and installed in each device so that the payment receipt processing terminal 10 and the scanner control device 16 can refer to them. The table database 22 is a database in which various tables such as the payment slip type table 24, the branch office identification information table 26, and the payment slip check table 28 are stored. The payment slip processing terminal 10 can be referred to by the payment slip processing terminal 10. It is installed in. Further, the reading result storage database 23
Is a database for the scanner control device 16 to store processing results, and is installed in the scanner control device 16.

FIG. 6 shows an example of the payment slip type table 24. As shown in FIG.
For each type of payment slip, a payment slip ID, a payment slip basic type, and type exception information are recorded in association with each other. The basic form of payment slip represents the basic carry-out process classification of the payment slip, and includes types such as "national treasury money", "public charges", "prefectural tax", and "city tax". Further, the type exception information represents a type in the case of exceptionally performing processing in a division other than the basic processing division in a specific sales office (or a sales office belonging to a specific classification). It consists of and.

In the present embodiment, the branch office identification information is classified into a large classification (A: Tokyo jurisdiction, B: Osaka jurisdiction,
C: Others, etc.), the medium classification that indicates the region (Hokkaido, Tohoku, Kanto, Chubu, Kansai, Chugoku, Shikoku, Kyushu, etc.) where the sales office is installed, and the small size that indicates the prefecture where the sales office is installed. The categories and sales office numbers are hierarchically represented. For example, in the case of a business store under the jurisdiction of Osaka with store number 0012 in Osaka, the business store identification information is “B-Kansai-Osaka-0012”.
Then, when a classification of a small classification or more is recorded as the sales shop identification information of the classification exception information of the payment slip classification table 24, the exception classification is applied to all the sales shops belonging to the classification. For example, when “A (Kanto jurisdiction)” is recorded as the branch identification information of the type exception information,
The exception type applies to all sales offices that belong to the Kanto area. Although the type conversion information is shown as including two special store information in FIG. 6, the number of special store information included in the type conversion information can be arbitrarily set as necessary.

FIG. 7 shows an example of the branch office identification information table 26. As shown in the figure, the branch office identification information table 2
6, the correspondence between the sales office number and the sales office identification information is recorded. From the sales office number to the sales office identification information table 26
The branch office type information is acquired by referring to.

FIG. 8 shows an example of the payment check table 28. As shown in the figure, payment check table 2
8, various payment documents, payment slip ID, overdue check conditions, handling pattern at the time of overdue, the necessity of stamps, the necessity of fees, various parameter information required for overdue calculation, etc. are recorded in association with each other. ing. The handling patterns at the time of overdue include "Not accepted", "Handling is possible until 10 days after the overdue (TEL communication required)", "Contact when overdue", "Overdue payment required", etc. In this case, the delinquency calculation pattern number is recorded. Here, the overdue fee means a surcharge in the case where the payment has to be paid after the deadline for payment. Further, a calculation routine for calculating the overdue amount is prepared in advance corresponding to each overdue amount calculation pattern number.

It should be noted that in the table diagrams of FIGS. 6 to 8 and the following description, the payment slip type is represented by a type name for the sake of clarity, but the internal processing in the payment slip processing terminal 10 is as follows. It is performed using a type code corresponding to each payment slip type.

The contents of the processing performed in this embodiment will be described below. FIG. 9 and FIG. 10 are flowcharts showing the flow of payment notice processing performed at the payment window in the present embodiment.

The payer who intends to pay taxes, utility charges, etc. at the financial institution, the total amount paid and the payment method (full cash, full transfer, or other (partial cash / partial transfer)) in the payment request form. ) And submit a payment slip together with cash or a bankbook to the payment window according to the payment method (S100 in FIG. 9).

The payment request form and the person in charge of receiving the payment form sends the payment request form to the OHR device 14 or the payment form processing terminal 1.
When read as 0, the payment summary screen is automatically displayed and the payment request amount is also automatically displayed. (S102).

FIG. 11 shows an example of a payment notice tabulation screen.
As shown in FIG. 11, on the payment slip totaling screen, the total payment amount input column, the payment method input column, the type display column, the payment amount display column, the late payment display column, the reward display column, the fee display column, the payment deadline display. Includes columns, total transaction amount column, etc. The person in charge inputs the payment method described in the payment request form into the payment method input field. The total amount paid is read by OCR,
It is automatically entered in the total payment amount input field.

Further, the payment slip processing terminal 10 is provided with various counters therein for totaling the payment amount,
Initialize the work counter at the end of the payment summary transaction,
Update the positive counter.

FIG. 12 shows various counters provided in the payment slip processing terminal 10. As shown in FIG. 12, a work counter for each type for counting the payment amount for each payment slip type for each payer, and a counter for each type (positive counter) for counting the payment amount for each payment slip type in business days , And a transaction counter for counting the amount of tax and fees stored.

In the above counter initialization processing, among these counters, the work counter for each type, which is a counter for each payer, is reset at the end of the payment sheet tabulation transaction, and the values of the counter for each type and the transaction counter are held. It

The person in charge inputs the payment method declared by the payer on the payment summary screen, and then the OHR device 1
The following operation is performed according to which of the scanner 4 and the scanner device 18 reads the payment slip. As described above, since the scanner device 18 has a function of continuously reading a plurality of payment slips, it is suitable for payment slip processing when a large amount of payment slips are brought in and paid at once, such as a corporation. ing.

When reading the payment slip with the OHR device 14, the person in charge sets the first payment slip on the reading surface of the OHR device 14, and presses the [Read OHR] key on the payment slip total screen ( S108). In response to this, the payment slip processing terminal 10 sends a read execution command to the OHR device 14 to execute the reading of the payment slip, and fetches the image data of the payment slip from the OHR device 14 (S110). Then, by matching the captured image data with the characteristic patterns of various payment slips recorded in the payment slip layout database 20, the payment slip ID of the payment slip is identified (S11).
2). This matching process can be performed using a known processing method.

If the payment slip ID can be identified, the payment slip processing terminal 10 determines the payment slip type corresponding to the identified payment slip ID (S114). FIG. 13 is a flowchart showing details of the payment slip type determination process. As shown in the figure, first, the business office identification information table 26 shown in FIG.
With reference to, the business office identification information corresponding to the business office number of the business office is acquired (S114A). Next, with reference to the payment slip type table 24, it is determined whether the acquired branch store identification information is included in the special store information of the type exception information corresponding to the identified payment slip ID (S114B). At that time, as described above, when the special store information of the type exception information is represented by a sub-class or larger, when the business store identification information belongs to this classification, the business store identification information is included in the special store information. It is assumed that it is included. As a result, if the special store information includes the branch store identification information, the exception type corresponding to the special store information is set as the payment slip type (S114C).
If not included, the original type corresponding to the payment slip ID is set as the payment slip type (S114D).

If the payment slip ID cannot be identified in S112, the payment slip type is determined in S114.
A predetermined type code value indicating indistinguishability (for example, "99")
Shall be set.

Next, the payment slip processing terminal 10 identifies the payment amount and the payment deadline described in the payment slip based on the image data of the payment slip. Then, by referring to the payment slip check table 28 from the payment slip ID, it is checked whether the payment slip requires a payment deadline check (S116), and if the payment deadline check is necessary, it is checked whether it is overdue. (S117, S118). As a result, in the case of overdue treatment, follow the instructions in the check table,
If it is not the target for the automatic calculation of the arrears, an error message is output (S119). On the other hand, if it is the target for the automatic calculation, the calculation calculation of the arrears is performed using the calculation routine corresponding to the acquired arrearage calculation pattern (S120). ).

Further, it is checked whether or not the fee is required (S12
1) If the fee is required, a message prompting the user to input the fee is output (S124). Further, the necessity of stamp tax is checked (S125), and if stamp tax is required, a stamp required message is output (S126). Payment slip processing terminal 1
For 0, the payment amount, the overdue amount, and the payment deadline are displayed in the corresponding columns of the payment sheet tabulation screen, and if an error is found in the payment sheet check result, an error message is displayed in a pop-up (S127).

When the receptionist successively processes another payment slip submitted by the same payer, he / she receives the next payment slip.
Set on the HR device 14 and click [Continuous] on the payment summary screen.
If the key is pressed (S134 in FIG. 10), and if the payment notice process for the payer is completed, the [Complete] key is pressed (S136).

When the [Continuous] key is pressed, the payment receipt processing terminal 10 prints the serial number by the serial number printer 15, updates the work counter for each type (S138), and then returns to S102. , When the [completion] key is pressed, serial number printing (S140) is performed, and then the work counter for each type is updated (S142), and the match between the payment request amount and the payment amount total is checked. Do (S14
4). As a result, if they match, the process proceeds to the fund storage process (S146). On the other hand, when the payment request form amount value and the payment form amount total value do not match, an error message is output (S148), the message is deleted, and the payment form total screen (top) is returned.

FIG. 14 is a flowchart showing the contents of the fund storage process. As shown in the figure, the payment slip processing terminal 10 displays a fund storage screen based on the contents of the fund storage method specified on the payment slip totaling screen. That is, when the payment method is "total cash", the off-payment screen is displayed (S154), and the slip is printed (S1).
56), the transaction counter is updated (S158). If the payment method is "total transfer", the transfer screen is displayed (S162), and the voucher is printed (S164), and the transaction counter is updated, as in the case of full cash (S164). S166). If the payment method is "other", a fund storage menu screen is displayed (S168). In this menu screen, "off cashier screen" and "transfer screen" can be selected, and when either is selected, the selected screen is displayed and the corresponding S156, S158 or S164. S
The processing of 166 is performed.

Upon completion of the above-mentioned fund storage processing, it is judged whether or not the payment request amount and the fund storage amount match (S150). If they do not match, an error message is output (S148) and the message is erased. After that, the process returns to S146. On the other hand, if they match, the value of the work counter for each type is added to the corresponding counter for each type, and the value of the work counter for each type is initialized to zero (S152).

Next, the processing when the payment receipt is read by the scanner device 18 will be described. FIG. 15 is a flowchart showing a process when the payment receipt is read by the scanner device 18. As shown in the figure, when the payment receipt is read by the scanner device 18, the person in charge collectively sets a plurality of payment receipts submitted by the payer in the paper feed section of the scanner device 18 and aggregates the payment receipts. A "scanner reading start screen" is selected on the screen (S200). In response to this, the scanner control device 16 requests the scanner device 18 to read the payment slip and prints the serial number, and then the payment slip processing terminal 1
The acceptance completion is returned to 0. When the payment receipt processing terminal 10 receives the acceptance completion, the payment instruction processing terminal 10 enters a state in which another operation can be performed. The scanner device 18 prints the scanner serial number (serial number) on the back surface of the payment slip that has been read (S204),
The image of the payment notice is sent to the scanner control device 16 (S
206). The scanner control device 16 pays each payment slip by matching the image data of the payment slip read by the scanner device 18 with the characteristic patterns of various payment slips recorded in the payment slip layout database 20 in the scanner control device 16. The document ID is identified (S208), the scanner serial number, the payment slip ID, and the image data of the payment slip are associated and stored in the read result storage database 23 (S210). When performing the “payment note tabulation transaction” on the payment note processing terminal 10, by pressing the [scanner read] key, the result processed by the scanner control device 16 can be retrieved (S202).

In the payment slip processing terminal 10, the OHR device 14
In the same manner as in S114 to S127 above when reading in, determination of payment slip type, identification of payment amount / payment deadline, identification of payment deadline check necessity, check of overdue treatment, overdue payment calculation, message display, etc. The process of is executed.

Correspondence information representing the correspondence between the scanner serial number and the payment slip type is stored at the timing of pressing the [Continuous] key and the [Complete] key. In addition, as for these correspondence information, when the "journalization assistance transaction" is executed, a correspondence table is output as a list or printed on the screen.

The person in charge refers to the displayed correspondence table, determines the type of each payment slip based on the scanner serial number printed on the back surface of the completed payment slip, and sorts each payment slip. Then, if there is an unidentifiable type, the payment note type is corrected as described below.

After one day of business operation, the person in charge confirms the type code printed on the back side of the payment slip on which the above-mentioned processing has been completed, and sorts by type. At that time, if there is a payment slip with a classification code that indicates that the classification cannot be identified (or if there is a classification that cannot be identified in the above correspondence table in the case of scanning with a scanner), the payment slip classification is determined visually. To do. In this case, the person in charge selects the type correction menu on the payment slip processing terminal 10, and accordingly, the payment slip processing terminal 10 displays the type correction screen. In this type correction screen, the person in charge inputs the type before correction, the type after correction, the number of cases corresponding to that type (the number of payment slips), and the amount, and [Complete]
When the key is pressed, the payment receipt processing terminal 10 adds / subtracts the applicable type information of the type-specific counter. In this type correction screen, it is possible to specify a plurality of types at once.

After the business ends, a transaction execution process for storing funds is performed. FIG. 16 is a flowchart showing the flow of transaction execution processing. As shown in FIG. 16, after selecting “another automatic total transaction” on the payment slip processing terminal 10 and pressing the [Complete] key (S300), the payment slip processing terminal displays “total counter for each type” and “transaction counter”. "Sum value (excluding fee counter)" is checked for consistency (S302), and if they match, the transaction counter's "tax (off current)" and "tax (off transfer)" minutes are counted for one day. Sends an instruction to the host computer 12 to deposit money into a predetermined tax fee account as the total payment amount (S30)
4).

Next, when the "additional deposit execution" menu is selected, the host computer 12 is displayed with the corresponding additional deposit counter from the taxable charge account to another account provided corresponding to each type. The instruction to transfer only the amount (that is, the total payment amount for each type) to be transferred is transmitted (S306). As a result, the deposit process for each separate account is executed, and the one-day fund storage process is completed.

As described above, in the present embodiment, the payment slip ID is identified based on the image data of the payment slip, and the payment slip type is automatically determined from the payment slip ID. Therefore, it becomes unnecessary for the person in charge of payment acceptance to make a type determination, and it becomes unnecessary for the person in charge to have a high level of experience and skill to make an accurate type determination. For this reason, in a financial institution, the degree of freedom in allocating personnel to the payment acceptance window can be increased and the work can be rationalized, and at the same time, it is possible to prevent the work efficiency from being lowered due to a type determination error.

Further, the payment amount of each payment slip is automatically identified based on the image data of the payment slip, and the total value of the payment amount is displayed. Therefore, the person in charge at the window immediately confirms the payment amount when the payment is accepted. You can check the total value. For this reason, it becomes possible to collate the payment amount of the payer with the total payment amount on the spot, and it becomes possible to perform inefficient operations such as later finding out that the payment amount is insufficient and requesting the payment amount from the payer. Can be eliminated. That is, in the past, when the same payer pays with multiple payment slips, the payment acceptance process is completed when the receptionist at the counter judges the carry-out category of each payment slip, and the payment amount is aggregated. The payment amount on the payment slip may be different from the actual amount paid by the payer because the payment was made collectively after returning. On the other hand, in the present embodiment, the total payment amount on the payment slip is displayed when the payment is accepted, so that the person in charge can recognize the difference in the payment amount on the spot.

In determining the payment note type, it is possible to determine the exceptional payment note type for a specific business office by referring to the type conversion information recorded in the payment note type table 24. Therefore, even if the payment slip type changes depending on the business office, it is possible to perform the type determination according to the business office. Further, since the type corresponding to the sales office can be set only by rewriting the type exception information of the payment type table 24, it is possible to flexibly and easily deal with the case where the payment type of each sales office is changed. it can.

Further, since the late payment is automatically calculated based on the payment slip ID in a calculation pattern according to the type of payment slip, it is not necessary to manually perform the complicated calculation of the late payment, etc. Also in this sense, work efficiency is improved.

Further, as described above, the efficiency of the work at the payment counter is improved, and the payer also has an advantage that the waiting time at the payment counter is shortened.

In the above embodiment, when the scanner is read, the payment control ID is identified by the scanner control device 16.
However, the payment receipt processing terminal 10 may perform the same as in the case of OHR reading.

Further, in the above embodiment, when fees are required, those amounts are manually input, but the present invention is not limited to this, and the amount (or calculation pattern) of the fees is stored in the payment check table 28. Then, it may be automatically acquired or calculated.

In the above embodiment, the OHR device 14 and the scanner device 18 are provided as the payment note reading device, but the present invention is not limited to this, and only one of the payment note reading devices may be provided.

Further, in the above embodiment, the transaction execution processing (FIG. 16) is performed by the payment slip processing terminal 10.
The above-described additional deposit counter and transfer information may be referred to by a terminal other than the payment receipt terminal 10, and the transaction execution processing may be performed by this terminal.

[0062]

According to the present invention, it is possible to efficiently perform a payment statement process related to payment of fees at a financial institution.

[Brief description of drawings]

FIG. 1 is an overall configuration diagram of a system that is an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a payment slip for payment of electricity charges.

FIG. 3 is a diagram showing an example of a payment slip for payment of ward tax.

FIG. 4 is a diagram showing an example of a payment slip for payment of health insurance premiums.

FIG. 5 is a diagram showing an example of a payment slip for payment of property tax.

FIG. 6 is a diagram showing an example of a payment slip type table.

FIG. 7 is a diagram showing an example of a branch office identification information table.

FIG. 8 is a diagram showing an example of a payment slip check table.

FIG. 9 is a flowchart showing the flow of payment note processing performed at a payment window in the present embodiment.

FIG. 9 is a flowchart (No. 1) showing a flow of payment note processing performed at a payment window in the present embodiment.

FIG. 10 is a flowchart (No. 2) showing the flow of payment notice processing performed at the payment counter in the present embodiment.
Is

FIG. 11 is a diagram showing an example of a payment notice tabulation screen.

FIG. 12 is a diagram illustrating various counters included in the payment slip processing terminal.

FIG. 13 is a flowchart illustrating details of payment slip type determination processing.

FIG. 14 is a flowchart showing the contents of a fund storage process.

FIG. 15 is a flowchart showing the contents of processing when reading with a scanner.

FIG. 16 is a flowchart showing the contents of transaction execution processing.

[Explanation of symbols]

10 payment slip processing terminal 12 Host computer 13 recording media 14 OHR device 18 Scanner device 20 Payment sheet layout database 22 table database 24 Payment slip type table 26 Sales office identification information table 28 Payment slip check table

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[Procedure amendment]

[Submission date] January 8, 2002 (2002.1.8)

[Procedure Amendment 1]

[Document name to be amended] Statement

[Name of item to be corrected] Brief description of the drawing

[Correction method] Change

[Correction content]

[Brief description of drawings]

FIG. 1 is an overall configuration diagram of a system that is an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a payment slip for payment of electricity charges.

FIG. 3 is a diagram showing an example of a payment slip for payment of ward tax.

FIG. 4 is a diagram showing an example of a payment slip for payment of health insurance premiums.

FIG. 5 is a diagram showing an example of a payment slip for payment of property tax.

FIG. 6 is a diagram showing an example of a payment slip type table.

FIG. 7 is a diagram showing an example of a branch office identification information table.

FIG. 8 is a diagram showing an example of a payment slip check table.

FIG. 9 is a flowchart (No. 1) showing a flow of payment note processing performed at a payment window in the present embodiment.

FIG. 10 is a flowchart (No. 2) showing the flow of payment notice processing performed at the payment counter in the present embodiment.
Is .

FIG. 11 is a diagram showing an example of a payment notice tabulation screen.

FIG. 12 is a diagram illustrating various counters included in the payment slip processing terminal.

FIG. 13 is a flowchart illustrating details of payment slip type determination processing.

FIG. 14 is a flowchart showing the contents of a fund storage process.

15 is a flowchart showing the contents of processing in the case that reading by a scanner.

FIG. 16 is a flowchart showing the contents of transaction execution processing.

[Explanation of symbols] 10 payment slip processing terminal 12 Host computer 13 recording media 14 OHR device 18 Scanner device 20 Payment sheet layout database 22 table database 24 Payment slip type table 26 Sales office identification information table 28 Payment slip check table

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Koji Tsuma             4-1, Kamiodanaka, Nakahara-ku, Kawasaki-shi, Kanagawa             No. 1 within Fujitsu Limited F term (reference) 3E040 AA06 BA20 CA14 CB04 EA01

Claims (18)

[Claims] 1. A device for processing a payment slip for fee payment at a financial institution, wherein image data of the payment slip is read from a payment slip reading device having a function of reading the payment slip and generating image data thereof. Image data acquisition means for acquiring, a payment slip ID identifying means for identifying a payment slip ID representing the type of payment slip based on the acquired image data, and a payment slip ID for the payment slip based on the identified payment slip ID. A payment slip processing device comprising: a payment slip classification determining unit that determines a payment slip classification representing a processing classification; and a type output unit that outputs the determined payment slip classification. 2. The payment slip processing apparatus according to claim 1, wherein the payment slip ID identifying unit refers to a database in which payment slip IDs and pattern data corresponding to payment slip images are recorded for various payment slips. A payment note processing device characterized by identifying a payment note ID by matching with the recorded pattern data. 3. The payment note processing device according to claim 1, wherein the payment amount identifying means for identifying the payment amount described in the payment statement based on the acquired image data, and a plurality of designated payments. A payment amount calculating means for calculating the total amount of these identified values and summing up the identified payment amounts for each of the determined payment note types; and a payment amount outputting means for outputting the calculated total value. A payment note processing device, further comprising: 4. A device for processing a payment slip for fee payment at a financial institution, wherein a payment slip ID representing a payment slip type is identified based on image data obtained by reading the payment slip. A payment slip ID acquisition unit that acquires a payment slip ID of a payment slip that is a processing target from a device having a function, and a payment slip type that represents a processing classification of the payment slip based on the acquired payment slip ID. A payment slip processing device comprising: a payment slip classification determination unit; and a type output unit that outputs the determined payment slip classification. 5. The payment slip processing device according to claim 1, wherein the payment slip is a payment slip for paying tax and public money including tax and utility charges. A payment note processing device, characterized in that it is a classification based on a classification taken out from a financial institution according to a payee. 6. The payment slip processing device according to claim 1, wherein the payment slip type determination unit is:
A means for determining whether or not the business office is a specific business office predetermined for the identified payment slip ID, and if the business office is a specific business office, the means for determining the business office is predetermined for the particular business office. And a means for determining the exception type as the payment note type of the payment note. 7. The payment slip processing device according to claim 1, wherein the payment slip type determination means is:
A payment note processing device, characterized in that the payment note type is determined based on a sales office in which the payment note processing device is installed. 8. The payment slip processing device according to claim 1, wherein the payment slip ID is based on the payment slip ID.
A payment slip processing device further comprising an incidental amount calculation means for calculating an incidental amount that accompanies the payment of a fee. 9. The payment note processing device according to claim 8, wherein the incidental amount calculation means obtains a rule for calculating the incidental amount for the payment instruction based on the payment note ID, and the acquired means. Means for calculating the incidental amount based on a calculation rule. 10. The payment notice apparatus according to claim 8 or 9, wherein the incidental amount includes an overdue amount which is a surcharge when a payment is made after the payment deadline has passed. 11. The payment slip processing apparatus according to claim 1, wherein the payment amount processing unit accumulates payment amounts for each payment slip type, and a total amount of the payment amounts accumulated for each type is predetermined. Means for transmitting to the host computer means for managing an account at the financial institution, an instruction to make a lump sum payment to the first account, and an amount accumulated from the first account for each payment slip type. Payment means further comprising: a means for transmitting to the host computer means an instruction to transfer the funds to a corresponding one of the second accounts provided corresponding to each type of payment statement. Book processor. 12. The payment slip processing device according to claim 1, wherein the type output means has a function of printing the payment slip according to an instruction from the outside by the payment slip reading device. When it has, the payment note processing device, which outputs an instruction to print the determined payment note type to the payment note reading device. 13. The payment slip processing device according to claim 1, wherein the type output means reads a plurality of payment slips by the payment slip reading device and outputs an identification symbol of each payment slip. A payment note processing device, which has a function of printing, outputs the correspondence between the identification symbol and the determined payment note type for each payment note. 14. The payment slip processing device according to claim 1, wherein the image data acquisition unit is selected from a plurality of payment slip reading devices according to an instruction from the outside. A payment note processing device, characterized in that it acquires image data of a payment slip from the device. 15. A method of processing a payment slip for a fee payment at a financial institution, wherein the computer reads the payment slip and generates image data of the payment slip from a payment slip reading device. And a step of identifying a payment slip ID that represents the type of payment slip based on the acquired image data, and a payment slip that represents the processing category of the payment slip based on the identified payment slip ID A payment slip processing method comprising: executing a step of determining a type and a step of outputting the determined payment slip type. 16. A method of processing a payment slip for fee payment at a financial institution, wherein the computer identifies a payment slip ID indicating a type of payment slip based on image data obtained by reading the payment slip. Acquiring a payment slip ID of a payment slip to be processed from a device having a function of: and a step of determining a payment slip type representing a processing classification of the payment slip based on the acquired payment slip ID, And a step of outputting the determined payment note type, the payment statement processing method. 17. A program for causing a computer to function as the payment slip processing device according to claim 1. 18. A recording medium on which the program according to claim 17 is recorded.