JP2003168011A - Computation charge calculation system and collection and delivery charge calculation system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To calculate a cash computation charge considered in accordance with business processing load and the amount of cash in cash processing. <P>SOLUTION: The computation charge calculation system is provided with a counting data storage part 12 for storing the number of pieces of each denomination such as bills and coins constituting cash or the like in each unit to be coped with as counting data in each transaction with a depositor/drawer, a format-sorted unit price storage part 14 for storing format-sorted unit price data previously determined as the unit price of each unit to be coped with in each denomination such as bills and coins in accordance with the computation format of cash or the like specified by the depositor/drawer and a charge calculation part 10 for calculating a computation charge for depositing/drawing out cash or the like on the basis of the amount of cash in each denomination and each coping unit and the format-sorted unit price stored in the storage part 14. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to a system for calculating a fee for calculating cash or the like. The present invention also relates to a system for calculating a fee for collecting and distributing cash or the like.

[0002]

2. Description of the Related Art A financial institution such as a bank distributes money to customers and collects sales of customers. The money exchange distribution is a work of preparing cash or the like in a denomination designated by the customer for a refund (withdrawal) from the customer's account, and a work of transporting the prepared money exchange to the customer. Collection of money includes the work of transporting the cash etc. deposited from the customer to the bank (or the trustee who received the business consignment), the work of calculating the deposited cash, and the work of depositing the calculated cash etc. into the customer's account. Is. Conventionally, this collection / delivery transaction has been provided free of charge or at a fixed collection / delivery fee regardless of the amount of collection / delivery.

Japanese Unexamined Patent Publication No. 7-141539 discloses a money-changing device that charges a fee. In this conventional example, a method of sequentially increasing the fee according to the amount of exchange is adopted.

[0004]

In the above-mentioned conventional example, since the exchange fee is calculated according to the amount of money, even if 1,000 yen of 10 yen coins are prepared for 10,000 yen, the 1,000 yen bill will be 10 yen. Even if 10,000 pieces are prepared, the same fee will be charged, and the cost of the paperwork for preparing the money exchange cannot be reflected in the fee. In addition to exchanging work, if you include transportation, you will need ten thousand yen bills.
Since the weight of 1,000 yen coins is different,
Even with the same amount, depending on the denomination, the calculation workload and the transport workload are different, and it is not possible to calculate the commission according to the exchange distribution workload.

Regarding collection of money, for example, in collection of money from a company that manages vending machines, there are more coins and heavier than banknotes. In addition, in the case of a store such as a supermarket, cash calculation and collation by cash register (by small bag) may be required.

As described above, in the conventional example, a mechanism for calculating an appropriate fee according to the workload of the collection and delivery fee has not been created, and therefore, the transaction is either free or at a fixed amount.

[0007] When the service fee is free or becomes a fixed amount, it is generally difficult to work an incentive to adopt a mechanism for reducing the fee. In the example of a collection and delivery fee, if the fee is free or a fixed amount, the maximum exchange money is prepared, and the unused exchange money is handed over at the time of collection. In such a situation, the absolute amount of cash collected and delivered will increase, and the physical distribution cost of cash will increase more than necessary. In addition, it is calculated in preparation for the exchange money,
In addition, the same cash will be calculated for collection, which will increase the administrative burden of calculation.

[0008] In this way, if the collection and delivery fee is free or fixed, physical distribution costs such as cash increase, and
The work load of calculating cash etc. increases. However, since cash collection and delivery is a service in which various tasks are related in a complex manner, it has been difficult to calculate fees according to the work load and distribution costs.

Further, even if a fee is calculated according to the amount of money collected, for example, a customer who is arranged by the type of coins and a customer who collects money in a state where coins are mixed have different troubles of collecting and calculating. Therefore, if the basis of the cash calculation fee is the amount, the fee system has a low correlation with the paperwork burden. In addition, the physical distribution cost is reversed from the handling amount for a customer who has a small amount of money but mostly coins and a customer who has a large amount of money but mostly bills. As described above, when cash is evaluated as cash physically present as physical objects (paper or metal pieces), various difficulties arise in calculating the collection and delivery fee in terms of amount.

Further, in recent years, a cash handling machine for counting a large amount of cash for each denomination, such as a bill depositing / dispensing machine described in JP-A-10-91846, is commercially available. By using this cash processing machine, it is possible to count the collected cash and the like, to count the cash to be dispensed (for example, a reserve for exchange), and store the count data in the database. Such a cash processing machine counts the number of bills and coins inserted into the slot for each denomination. Then, the cash processing machine or the server connected to this cash processing machine collates the amount of money inserted by the counted number of coins for each denomination with the amount of money entered in the slip to be entered.

It is conceivable to calculate the collection and delivery fee using a computer by using the count data counted by such a cash processing machine. However, there is no known system for calculating a collection / delivery fee or a cash calculation fee using such count data.

Further, in the systemization of the collection and delivery fee, it is conceivable that the amount, the weight, the number of sheets, and the special paperwork burden are stored and the fee is calculated individually. Then, because the amount of data to be handled becomes huge and various data input work increases,
On the contrary, the work load increases.

Further, in the conventional example, not only the collection and delivery of cash, but also the operations such as the ATM cash loading of other banks, the transfer request with a large amount of cash, and the like, which require a large paperwork load for cash preparation and calculation, are individually handled. Even if you try to calculate the fee
There was no methodology for calculating fees that appropriately reflects the cost required to calculate this cash.

[0014]

OBJECT OF THE INVENTION It is an object of the present invention to provide a cash calculation fee calculation system capable of calculating cash calculation fees according to various paperwork loads and handling amounts. Another object of the present invention is to provide a collection / delivery fee calculation system capable of calculating a collection / delivery fee that appropriately reflects various business processing loads and physical distribution costs.

[0015]

According to the present invention, when depositing / withdrawing money into / from an account such as a deposit, the amount of each banknote, coin, etc. constituting the cash to be deposited / disbursed, etc., in each handling unit is determined. About the handling unit for each denomination of banknotes, coins, etc. according to the calculation mode of the cash etc. specified by the deposit / withdrawal person The unit price storage unit for storing the unit price data determined in advance as the unit price of the unit, and the count data of the transactions included in the period for which the fee is calculated from the count data stored in the count data storage unit are extracted. At the same time, based on the amount of cash in each denomination and the handling unit by the extracted count data and the unit price by mode stored in the unit price by mode storage unit, the calculation fee for cash etc. at the time of deposit and withdrawal To And a commission calculation unit that out, adopts a configuration that. This is intended to solve the above-mentioned problems.

Depositing to the account is, for example, depositing the collected cash or transferring a large amount of cash. Withdrawal from the account is, for example, distribution of exchange money, cash loading of ATMs of other banks, and preparation of cash for the cash loading.
The term “deposit / withdrawal” includes three modes of deposit only, withdrawal only, deposit and withdrawal. The denominations are banknotes, coins, checks, gift certificates, other securities, and, in the case of banknotes, cash types such as 10,000-yen bills and 5,000-yen bills.
The handling unit for each denomination is, for example, for payment such as collection,
There is one banknote and one coin. For withdrawal such as money exchange preparation, there are a bundle of banknotes (100) and a bar of coins (50).

In the present invention, the fee calculation unit calculates the fee based on the number of banknotes and coins that are cash denominations, not on the total amount of cash collected and delivered. That is, the fee calculation unit calculates the fee based on the amount of cash for each denomination and the handling unit based on the count data. This allows
It is possible to calculate a fee that individually considers the weight and handling load of each denomination and handling unit, such as handling banknotes and handling coins.

Further, in the present invention, in order to reflect the increase in commission due to various additional services and the decrease in commission due to preparation by the customer, the commission of each item is added or reduced. Not based on whether there is an increase or decrease category for each supplier,
Increase or decrease the unit price for the handling unit of denomination. That is,
The mode-specific unit price storage unit stores mode-specific unit price data that is predetermined as a unit price for a handling unit for each denomination of banknotes, coins, etc. according to the calculation mode of cash, etc. specified by the depositor / withdrawer. ing. By increasing or decreasing the unit price according to the work load, the system configuration can be greatly simplified, and the calculation of the fee by using the computer can be realized at a relatively low cost.

For example, the number of bills and coins counted is
It contains information about various paperwork burdens and weights. In order to store the size of the work load in the database as data, it is necessary to handle the count data for each work load and weight. However, in the present invention, the size of the work load and the weight of cash etc. are all reflected in the unit price, and the count data is one collection transaction data for each collection and delivery transaction with one customer (or customer shop). It suffices to store one and one exchange transaction data. In the present invention, the counting data based on the number of sheets and the unit price for each mode are used to calculate a commission that increases or decreases according to the paperwork load and the like, while having a simple system configuration.

[0020]

BEST MODE FOR CARRYING OUT THE INVENTION <First Embodiment> In the first embodiment, a system for calculating a fee for calculating cash based on count data counted by a cash processing machine or the like and input count data is disclosed. To do. FIG. 1 is a block diagram showing the configuration of the calculation fee calculation system according to the first embodiment. In the example shown in FIG. 1, when depositing / withdrawing money into / from an account such as a deposit, the amount of each banknote, coin, or the like that composes the depositing or withdrawing cash, etc. A count data storage unit 12 that stores count data for each transaction and a unit price for a handling unit for each denomination of banknotes, coins, or the like is determined in advance in accordance with a calculation mode of cash or the like designated by a depositor / withdrawer. The unit price storage section 14 for storing the unit price data for each mode. "Depositor / Withdrawal person" deposits or withdraws from the account (refund)
It is the entity that conducts the accounting transaction.

Further, the calculation fee calculation system extracts the count data of the transactions included in the period for which the fee is calculated from the count data stored in the count data storage unit, and handles the unit handled by the extracted count data. There is provided a fee calculation unit 10 for calculating a calculation fee for cash or the like when depositing / withdrawing, based on the amount of cash in the above and the unit price according to mode stored in the unit price according to mode.

The count data may be registered in the count data storage unit 12 via the terminal 1 for each transaction. In addition, a cash processing machine 4 is added to the calculation fee calculation system,
The data counted by the cash processing machine may be automatically stored in the count data storage unit 12 as count data. The cash handling machine 4 counts, for example, cash or the like to be inserted corresponding to a deposit slip for each denomination, and compares the count result with the deposit amount on the deposit slip. When the cash processing machine 4 prepares the money to be exchanged, the cash corresponding to the withdrawal slip may be counted and carried out, and the count data may be stored in the count data storage unit. Furthermore, the deposit may be counted by the cash processing machine 4, the dispensing may be manually prepared, and the count data may be stored from the terminal 1.

FIG. 2A is an explanatory diagram showing the relationship among denomination, handling category and unit price. As shown in FIG. 2 (A), “denominations such as cash” are banknotes, coins, checks, gift certificates, other securities, etc. These are types of cash, such as yen bills. The handling unit for each denomination is, for example, one for a banknote and one for a coin if it is a deposit. For withdrawal, there are a bundle of banknotes (100 sheets), a stick of coins (50 sheets), and the like. When preparing fractions other than a bundle, a rod, and a bag for preparing currency exchange for coins and coins, the number of fractions may be a handling unit.

In the example shown in FIG. 1 etc., the unit price is set for each denomination and for each handling unit. Then, this unit price is set to a different unit price for each mode of calculation. In the example shown in FIG. 2 (A), the trading partner A and the trading partner B have different unit prices because the modes of cash calculation are different. For example, when depositing banknotes, the handling unit is 2.0 yen per sheet, and when dispensing banknotes, the handling unit is 100 yen per bundle. However, the customer B, which has a higher paperwork burden, receives 2.4 [yen / sheet] for depositing banknotes and 150 [yen / bundle] for dispensing banknotes. The unit price for each mode of the supplier A is 0.5 [yen / sheet] for coin deposits, coin 20 [yen / piece] for coin withdrawals, and large bag 500.
It is [yen / bag]. There are 50 sticks and 4,000 bags for 100 yen coins, so 4,000 sticks are required.
Since 80 pieces are required to prepare 0 sheets, the calculation fee is 1600 yen, but it is 500 yen for preparation in a bag. In this way, by setting the unit fee for each handling unit, it is possible to calculate the handling fee according to the handling load regardless of the amount of withdrawal.

Regarding withdrawal, a fixed amount of money change pack, which is a set of a plurality of denominations, may be used as a handling unit so that it can be easily used at a supermarket cash register or the like.

FIG. 2B is a diagram showing an example of definition of a handling unit. Generally, one bundle is one as shown in FIG.
The number of coins is 00, one coin is 50, and the number of bags is different depending on the denomination.

FIG. 3 is an explanatory diagram showing an example of the calculation transaction according to this embodiment. The provider of the accounting transaction is a financial institution 7 such as a bank, and the customer (payment / withdrawal) of the accounting transaction is a customer 5 such as a supermarket. In the calculation system of the calculation fee, the financial institution 7
This is a fee centered on the calculation of cash, etc. associated with deposits and withdrawals from the account.

Payment to the account includes collection and transfer of a large amount of cash. At the time of deposit, the amount of cash or the like passed must be collated with the amount according to the deposit slip (or transfer request form). For this verification, financial institutions 7
Calculates cash or the like (reference numeral 30). Financial institution 7
The cash calculation work, the deposit work to the account, and the transportation work are provided to the business partner (reference numeral 31). As shown in FIG. 3, the customer 5 delivers the deposit slip and cash to the person in charge of the financial institution 7 (reference numeral 33). The financial institution 7 calculates the deposited cash or the like, collates it with the amount on the deposit slip, and deposits it in the account of the customer 5.

Withdrawal (refund) from the account includes exchange, distribution of the exchange money, preparation of a large amount of cash at a financial institution window, and cash loading into an ATM of another bank. Also in the case of withdrawal, the prepared cash or the like is compared with the withdrawal amount in the withdrawal slip or account details. For this verification, cash or the like is calculated (reference numeral 35). The financial institution 36 delivers cash or the like to the customer 5, and provides cash preparation work such as money exchange, work for counting the fraction of the money, and transportation work (reference numeral 36). The business partner passes the withdrawal slip (request) to the financial institution (reference numeral 37).

There are various modes for such a calculation transaction. The mode in which the work load increases and the unit price for each mode increases is called an increase category. On the other hand, a mode in which the work load is reduced and the unit price for each mode is reduced is called a reduction category. For collection and distribution transactions such as collection and exchange money distribution, ATM cash loading, cash processing such as large amount of cash preparation, banknotes,
Coin calculation work occupies most of the work load (required time). For this reason, the unit price is increased or decreased according to the content of the handling, which has a high processing load in common with all paperwork handling cash such as deposit and withdrawal and collection and delivery.

The first section of the increase section 33 is cash calculation by bag, such as by cash register and tenant. This is to check the amount of money in a small bag for each cash register or tenant, such as in the case of collecting money or depositing in a bag in the night safe. Although there is only one deposit slip and one transaction, cash is calculated and collated for each sachet category. In this case, for example, the unit price for deposit calculation shown in FIG. 2 is added by 100%.
If the basic unit price is 2.0 yen, it will be 4.0 yen.

The second classification of the increase classification 33 is cash calculation at the collection destination in the case of collection. In calculation transactions and collection transactions,
Make a contract assuming that the amount counted by the financial institution is correct. On the financial institution side, check counterfeit bills,
Further, in order to perform a strict calculation, the cash collection is not performed at the collection destination, but the calculation and collation are performed at the financial institution side (in the third embodiment, the financial institution outsourcing partner). Then, in the collection of money, although it is received from the customer in units of trunks or collection bags, there are cases where cash calculation at the collection destination is required. In this case, a cash processing machine cannot be used for cash calculation, and it is handled manually, which requires labor. In this case, for example, the unit price for deposit calculation is increased by 50%. If the basic unit price is 2.0 yen, 3.
It is 0 yen.

The fourth section of the increase section 33 is a case where the passbook is required to print kana characters. The deposit slip has a “Summary” column for the bank to operate characters such as the store name of the customer 5 on the transaction ledger. If the supplier wants to enter characters in this summary column, the number of input characters in Kana increases,
It will be laborious to handle it. In this case, for example, the unit price for deposit calculation is increased by 50%.

The reduction category 34 is a combination of whether or not the cash to be deposited is organized and whether or not the deposit to the account is made the next business day in the case of collection, etc., and is divided into four categories. Even if the amount of money sorted out is the same amount, if the cash is sorted by denomination, the cash calculation work is reduced, so the unit price for each mode is reduced. In other words, for cash brought in from a customer, the fee will change depending on the calculated number of cash, but even with the same deposit amount of 1 million yen, 100 10,000 yen bills and 1,000 yen bills 1, Cash processing time is greatly different from 000 pieces. For this reason, if the cash is cleared, the cash calculation unit price is reduced. Therefore, if you use organized cash, the number will decrease,
Moreover, since the unit price also decreases, the commission will be greatly reduced.
However, with this sorted cash, the cash processing time can be greatly shortened, and thus the commission can be reduced.

The number of arranged cash is the minimum number of denominations with a large amount of money (within 10 denominations of each denomination other than 10,000 yen tickets), and the deposit of a large number of coins (4,000 or more). In this case, it refers to the state of being classified by denomination.

In the next business day deposit process, the unit price for each mode can be reduced for the following two reasons. First, next business day deposits provide for equalization of accounting operations. Normally, the calculation must be completed and the deposit must be made by the end time of the bank's business hours on the day (for example, 15:00). However, since the time zone just before the end time is crowded with the deposit processing on the day, the bank wants to reduce the processing work in the time zone as much as possible. Therefore, if payment processing can be performed on the next business day, the calculation can be performed in the morning of the next business day without performing calculation on the day of collection day, and the calculation work can be leveled.

Secondly, in the case of collection, next business day deposit brings about improvement in operating rate of cash transport vehicle. Normally, the collected cash will be processed by the end of business hours at that time. Therefore, the afternoon collection must come back before the end of business hours. However, if the deposit can be processed by the next business day, the collection and delivery vehicle will be able to collect the payment without worrying about the end time, and the operating rate of the cash transport vehicle will be high. In addition, it is possible to construct a route with a margin even for the operating route of the cash transport vehicle.

Regarding the reduction classification, depending on the combination of the arranged cash and the next business day deposit, for example, a reduction of 20% for the arranged cash on the same day, and a 40% reduction for the arranged cash on the next business day. A reduction of 30% will be made for undisclosed cash that was deposited the next business day.

Increasing category of calculation fees for withdrawal 38
The first division of is the fraction creation. Withdrawal money, etc. is handled as a handling unit, using one bundle of banknotes (100 sheets) and coins of coins (50 sheets each) or a large bag. If so, it will take some effort to create the denomination for that fraction. That is,
In the case of a bundle or a coin bar, it can be visually counted by hand, but the fraction is counted using a cash processor. Therefore, if there is a fraction, the total cash processing time will increase. In this case, the fraction is rounded up or rounded down to one bundle or one coin to increase the unit price of the bundle or one coin. The rate of increase is, for example, 50% addition of the unit price. Further, the handling unit of the fraction may be defined as a sheet, and the unit price per fraction may be added.

The second category of the withdrawal increase category 38 is the denomination notification on the day of the distribution day regarding the distribution of the exchange money. Normal,
By the morning of the business day prior to the distribution day, we will receive a denomination notification from the supplier 5 and create a breakdown of the exchange denomination. In the denomination contact on the day of the distribution day, it is necessary to create a breakdown of the day, prepare the cash of the denomination, and deliver the cash. Therefore, the operation route of the cash transport vehicle will be affected, and it will be laborious. In this case, for example, 50% of the unit price is added.

The withdrawal reduction category 38 is a transaction with a fixed amount of exchange money and a fixed denomination. In the case of daily transactions, if you use fixed exchange money from Monday to Thursday and fixed exchange money on Friday (including exchange money for Saturday and Sunday), you do not need to receive notification from the customer 5 Can be fixedly prepared in advance, and can be incorporated as a reliable demand even when the demand forecast of cash is performed. For example, the unit price is reduced by 20%.

FIG. 3 shows an example of the increase and decrease categories of deposit (for example, collection) and withdrawal (for example, money exchange distribution), but the present invention is not limited to this. Depending on the above-mentioned 5 requests and the like, various types of increase and decrease categories may be set. In this case, for example, when the deposit slip and the actual deposit amount are different, it is necessary to report an incorrect payment or to correct the registration of the payment, which increases the handling load. Therefore, instead of increasing or decreasing the cash calculation unit price, it is advisable to add a fee for the number of cases with an incorrect calculation. This increase / decrease in the calculation fee is based on the idea that, when handling related to the increase / decrease in processing time and clerical work load for each business partner, it is not a separate fee for the special handling, but an increase / decrease in unit price. .

By increasing / decreasing the calculation type fee, the fee can be increased / decreased depending on the amount of the handling unit, and the quantitative fee can be calculated according to the handling amount and load. In addition, the fee for each increase / decrease category is slightly troublesome to calculate because the fee unit price changes according to the selection of the category. Therefore, the commission unit price may be calculated using the collection / delivery unit price calculation system according to the second embodiment.

Referring again to FIG. 1, the fee calculation unit 10
Is a deposit fee processing function 22 for calculating the deposit fee.
And a withdrawal fee processing function 28 for calculating a withdrawal fee.

<Payment> As shown in FIG. 2, the mode-specific unit price storage unit 14 determines the mode-specific unit price of the deposit as a handling unit for each banknote and a unit price for each banknote and one coin. It stores the coin unit price of and. Then, the deposit fee processing function 22 refers to the denomination of the counting data regarding the deposit and calculates the deposit calculation fee data based on the number of banknotes and the number of coins, and the bill unit price and the coin unit price. The fee calculation function 16 is provided.

This function 16 multiplies the number of deposited cash bills by the bill unit price and the number of coins by the coin unit price. Then, by adding both, the deposit fee for the bill and the coin is calculated. For example, the bill unit price is 2.0
If the unit price of coins is 0.5 [yen / sheet] and the number of banknotes is 5000 and the number of coins is 2000, the following formula is given and the deposit calculation fee for banknotes and coins is 11,0
It will be 00 yen.

2.0 [yen / sheet] × 5,000 [sheets] +0.5
[Circle / sheet] x 2,000 [sheets] = 11,000 [yen]

Since the deposit process is performed for each number of slips, the slip fee may be included in the deposit calculation fee. In this case, the deposit fee processing function 22 has a slip processing fee adding function 18 for calculating the slip processing fee data according to the number of deposit slips and adding the slip processing fee data to the fee data. This function 18
For example, the slip unit price is 20 [yen / sheet] and 1 in 10 days
When there are 0 calculation transactions, the following formula is used and the deposit calculation fee is calculated as 11,200 yen.

11,000 [yen] +20 [yen / sheet] × 10 =
11,200 [yen]

Further, when the amount calculated in the deposit slip is different from the counted amount in cash, the deposit amount is corrected or the deposit amount described in the deposit slip is corrected. If there is a mistake, the processing load will increase, and since there is little statistical property to increase the unit price for each aspect, the fee is added individually for the number of cases that are not calculated. In this case, when the amount of money specified in the deposit slip and the amount of money of the counted number of money types are different, the deposit fee processing function 22 calculates the amount of unmatched handling fee according to the number of unmatched cases, and adds the unjustified handling fee. It has a function 20. And this function 20
The difference processing fee data is added to the fee data.
For example, in the above example, the number of cases is 1 and the unit price is 100.
In case of yen / uncalculated number, the following formula will be used, and the deposit calculation fee will be 11,300 yen.

11,200 [yen] + 100 [yen / uncalculated number]
× 1 = 11,300 [yen]

As described above, in the example shown in FIG. 1, based on the counting data for each handling unit for each cash type such as cash, and the cash calculation unit price individually set according to the cash calculation load, In addition, it is possible to calculate the fee in consideration of the number of processed cases and the number of unsuccessful cases.

<Withdrawal> The withdrawal fee processing function 28 has a withdrawal calculation fee calculating function 24. In this example, as shown in FIG. 2, the mode-specific unit price storage unit 14 stores the mode-specific unit price for withdrawal for each handling unit such as a bundle, a rod, and a bag for each denomination. Then, the function 24 calculates the fee data based on the count data in which cash or the like is counted in the handling unit of the type of money and the unit price for each handling unit. For example, if the withdrawal bill bundle unit price is 100 [yen / bundle],
When the unit price of coins is 20 [yen / piece], 150 banknotes and 400 coins are withdrawn, the following formula is applied, and the withdrawal calculation fee is 23,000 yen.

100 [circle / bundle] × 150 [bundle] +20 [circle / bundle]
Book] x 400 [sheets] = 23,000 [yen]

Further, when the withdrawal fee calculation function 24 has a fraction from the handling unit of the type of money with respect to the withdrawal count data, the fraction is converted to the relevant unit number based on a predetermined fraction processing format. Rounding up or rounding down may be performed. When preparing fractions, increase classification 38
Since the cash calculation unit price has been increased in, the commission can be calculated based on the bundle, the number of coins, etc., regardless of the number of fractions. In this case, for example, in the case of 10 bundles and 10 sheets, 11 bundles are used for round-up processing, and 10 bundles are used for round-down processing.

Regarding the processing of the fraction, the unit price may be set without rounding up or down. In this example, if the withdrawal calculation fee calculation function 24 has a fraction from the handling unit of each denomination with respect to the withdrawal count data, the fraction is calculated based on the fractional unit price set in advance for the denomination such as cash. Fraction processing function 2 to calculate minute fee
6 is provided. The fraction processing function 26 multiplies the fractional number by the fractional unit price and adds the amount to the withdrawal calculation fee.

In the example shown in FIG. 1, only the fee for depositing cash or the like is calculated, only the fee for depositing cash or the like is calculated, or both the deposit and withdrawal fees are calculated. And configuration.

In the above-mentioned example, a fee for calculating cash associated with deposit or withdrawal has been described in relation to the account of the financial institution 7. There are various examples of the business including the cash calculation, as shown below. And this cash calculation is
The calculation fee calculation system can be used in the following examples because it is a high load part for various transactions. (1). A collection and delivery business in which a financial institution 7 (or a trustee who has been entrusted with a collection and delivery business by a financial institution) goes to a business partner 5 to collect and deliver cash. Part of the collection is payment processing, part of the exchange money distribution is withdrawal processing. Therefore, the collection and delivery fee calculation system includes the calculation fee calculation system according to the present embodiment. The collection and delivery fee calculation system is the calculation fee calculation system with a configuration in which a shipping fee is added. (2). Cash deposit and withdrawal operations when the bank is in charge of cash cash management of another financial institution (other bank). When cash deposits and withdrawals are made to other financial institutions, urgent measures and handling of increasing demand at certain times of the year (bonus period, year-end and New Year holidays, etc.) are classified as increasing amounts. (3). Currency exchange operations at bank counters. This is a business service company (B
S) or a case where a security company or the like whose business is transportation of cash or the like prepares a breakdown of the exchange money and issues the exchange money at the bank window. This exchange operation fee calculation system is limited to the withdrawal of the calculation fee calculation system. (4). Regarding transfer at a bank window, transfer operation in the case of transfer by large amount of cash. In this case, in addition to the exchange fee, the cost related to cash calculation will be charged. The transfer is
It is a remittance to another person's deposit account, and is considered as a kind of deposit to the account. In this case, the next business day transfer should be a reduced category. (5). Banks, BS, and other businesses that load ATMs (Automatic Cash Deposit Machines) of other banks with cash. In this case, of the calculation fee calculation system according to the present embodiment, an ATM cash loading transaction fee calculation system is provided by adding a function related to withdrawal and adding a configuration for adding a charge for a loading operation and a transportation operation. (6). Business in which banks, BSs, etc. prepare cash to be loaded into ATMs installed in convenience stores, etc. and ATMs of credit companies. In this case, it is preferable that the calculation fee calculation system has a function related to withdrawal and that the increase / decrease amount category is set according to the form of the denomination breakdown preparation.

Claim 1 of the above-mentioned example and the specification at the time of filing
From 9 to 9, "calculation" includes calculation by deposit and calculation by withdrawal. Hereinafter, in disclosure using a collection and distribution transaction as an example, counting the collected cash is referred to as “cash calculation”, the unit price thereof is referred to as a cash calculation unit price, and the fee thereof is referred to as a cash calculation fee. The amount of money to be exchanged is called "preparation for money exchange," the unit price is called the unit price for making money, and the fee is called the money making fee.

<Collection and Delivery Fee> Next, the collection and delivery fee for the collection and delivery service in (1) above will be described as an example. Although collection and delivery generally involves depositing and withdrawing money into a deposit account, the present embodiment can be applied to a collection and delivery service provided by a trustee such as BS or a security company that does not rely on a financial institution. Deposits and withdrawals to and from the account are not mandatory.

The collection and delivery fee is the sum of the calculation fee such as collected cash, the exchange creation fee, and the transportation cost. FIG. 4 is a block diagram showing a configuration example of the collection and delivery fee calculation system according to the present embodiment. In the example shown in FIG. 4, the collection / delivery fee calculation system counts, for each cash type, cash or the like to be inserted for each slip of a collection transaction with a customer, and
The cash processing machine 4 is provided for registering the count data in which the amount of money exchanged for each money exchange transaction with a customer is input or counted in a handling unit of money type. In the example shown in FIG. 4, cash calculation (counting and matching) is performed by the cash processing machine 4. The amount of money to be prepared for money exchange and the quantity in units of handling may be input from the terminal 1 or may be counted by the cash processing machine 4. The customer is the customer 5 or the customer store 7, and when the provider of the collection and delivery transaction is a bank,
The customer is an account and the customer is a depositor / withdrawer.

The collection and delivery fee calculation system further collects the count data of the collection of money registered by the cash processing machine 4 for each denomination of bills or coins and the count data of the exchange money in the handling unit for each customer. And a count data storage unit 12 for storing each transaction of collecting or exchanging money, and a cash calculation unit price predetermined for each denomination according to the mode of cash calculation and the load of labor accompanying the collection transaction. A unit price data storage unit 40 that stores data and currency exchange unit price data that is predetermined for each cash handling unit according to the mode of money exchange preparation and the load of labor associated with the currency exchange distribution transaction are provided. There is.
The cash calculation unit price data and the exchange creation unit price data are unit prices by mode shown in FIG.

The collection / delivery fee calculation system further includes a cash calculation fee calculation unit 48 for calculating cash calculation fee data based on the collection collection data and the cash calculation unit price data, and the count data of the exchange money and the exchange creation. The exchange preparation fee calculation unit 50 that calculates the exchange preparation fee data based on the unit price data, and the transportation cost calculated based on the transportation staff number and transportation time to the customer's collection and delivery destination location and the unit price data of the transportation cost. And a transportation cost data reading unit 52 for reading data. The central processing of calculating the cash calculation fee and the exchange creation fee is the same as that of the calculation fee calculation system shown in FIG. The transportation cost may be calculated individually based on the transportation personnel and the required time and stored in the transportation cost data storage control unit 46.
For example, the transportation cost data for January may be stored based on the average for January. The transportation cost data reading unit 52 reads out the transportation cost data for each customer.

The collection / delivery fee calculation system calculates the collection / delivery fee by adding the cash calculation fee data, the exchange preparation fee data, and the transportation cost data, and generates the bill data for the customer. And a data generation unit 54.

Since the collection / delivery fee calculated by the system shown in FIG. 4 is a fee based on the counting data for each counted or registered denomination and for each handling unit, it is a completely pay-as-you-go fee. On the other hand, in the second embodiment, an example of a semi-fixed collection and delivery fee will be disclosed.

If the customer has a branch in each area,
Transactions are carried out by regional branches such as financial institutions or trustees. FIG. 5 is an explanatory diagram showing the relationship between the transaction store 8 (branch) of the financial institution and the customer store 6 (branch) of the customer. The transportation cost is determined according to the required operating time or the distance from the trading store 8 to the corresponding trading partner store 6. When a financial institution provides a collection / delivery transaction, generally, each branch 6A of the customer 5
The accounts used by 6B, ...
A, 8B, ..., In a collection / delivery transaction with the customer store 6B, deposits and withdrawals are made from the account of the dealer 8B. Also, business partners 5
In order to reduce the burden of managing funds, the number of accounts of supplier 5 may be set to one and each supplier store 6A, 6B, ...

In the example shown in FIG. 5, each transaction store 8A, 8B,
... issues invoices to each of the customer stores, and the main store 8
In some cases, A collectively issues a bill to each of the transaction stores 8B, 8C, ... And issues a bill to the main transaction store 6A (or the transaction partner 5). In the example shown in FIG. 4, this difference is managed as a billing destination classification. FIG. 5 (A) is a diagram showing an example of issuing a bill when the billing destination classification is designated by a customer store, and issues individual bills as indicated by arrows in the figure. FIG. 5B is a diagram showing an example of issuing a bill when the billing destination classification is designated by the main dealing store, and issues a collective bill from the main dealing store 8A to the main dealing store 6A.

This supplier 5 has a plurality of supplier stores 6,
When changing the invoice issuing form according to the billing destination classification, the collection and delivery fee calculation system shown in FIG. 4 is provided with a vendor data storage unit 42 and a vendor store data storage unit 44.

The customer data storage unit 42 stores the CIF number for uniquely identifying the customer who is the customer, the store number of the main transaction store 8A that provides the collection and delivery transaction to the customer 5, and the customer 5. And a billing destination section for specifying a billing form. The CIF (Customer Information File) number is a number that individually identifies a customer, and in the case of a bank, is a number that identifies an account holder. The billing party category is specified for each business partner.

The customer store data storage unit 44 provides a customer store identification number for identifying the customer store 6 for the customer store 6 which is a branch of the customer 5, and a collection and delivery transaction to the customer store 6. Stored is the customer store data including the store number of the store 8 to be traded. The customer shop identification number may be an individual number or a store number account number of the customer shop 6 in the customer shop 8 corresponding to the customer shop 6. When the customer store 6 has an account with the name of the customer store 6 (for example, super A shop A branch), it may have a CIF number different from that of the customer A, super A. The customer store identification number or the corresponding store number account number is used without using the CIF number of the store 6.

In this example, the bill data generator 54
A transaction invoice issuing function 56 and a main transaction invoice issuing function 58 are provided. The invoice issuing function 56 by transaction stores the invoices issued by each of the transaction stores 8 when the invoice data is stored in the invoice data storage unit 44 as an invoice type. Data and related customer 5
Each fee is calculated based on each unit price of. FIG. 6 (A)
Shows an example of an invoice designated by a customer store. Figure 6
In the example shown in (A), the customer 5 is Super A, the customer store 6 is Super A Ko Branch, and the trader of the Ko Branch is ○○.
It is the A branch of the bank.

The main transaction invoice issuing function 58 uses the main transaction store 8A as the invoice issuing subject when the main transaction partner store designation is stored in the supplier data storage unit 44 as the billing destination classification. The count data for each customer store is summed up for all the customer stores of the customer 5, and each commission is calculated based on the total count data and each unit price of the customer 5. Figure 6
An example of an invoice designated by the main customer store is shown in (B).
In this example, the supermarket A's A branch, B branch, and Hei branch's total fees are totaled, and the main transaction store, XX bank main store, is the main issuer for the business partner 5 (main business partner store 6A).

Generally, banks regularly calculate profit data by individual company in units of CIF numbers. If the provider of the collection / delivery transaction is a bank, it is desirable to reflect this collection / delivery transaction on the profitability of each company. However, in the conventional example, although it is possible to quantitatively grasp the work load on the entire financial institution, there is no mechanism for calculating the work load for each company (by CIF number). In other words, it was difficult to know the breakdown of the paperwork load of each financial institution by customer. Furthermore, if you do not use a cash processor,
Since inputting all the count data from daily handling into the computer only increased the work load on the contrary, it was practically impossible to calculate the cost for collection and delivery transactions for each company.

Referring again to FIG. 4, the server 9 includes a data transmission control unit 64 connected to the accounting system 65 and the information system 66. Accounting system 6
Reference numeral 5 manages the deposit / withdrawal from the account of the customer 5 and the settlement between the customer 5 and the financial institution. The information system 66 manages group name identification of client companies, profit data for each individual company, and information registration such as the presence or absence of a collection / delivery transaction. Since the collection / delivery fee calculation system includes the data transmission control unit 64, first, the deposit / withdrawal data of the amount to be collected / delivered can be transmitted / received to / from the accounting system 65, and secondly, the collection / delivery fee The payment data can be transmitted / received to / from the accounting system 65, and thirdly, the data that is an element of profitability by individual company can be transmitted / received to / from the information system 66. And
In the present embodiment, the customer 5 is identified by the CIF number, the customer store 6 is given an individual number, and the collection / delivery fee is calculated and billed. Profit and cost can be registered in profit data for each company. The server 9 sums up the count data for each customer store for all the customer stores of the customer 5, and based on the count data of the customer 5, collects and delivers the collection and delivery cost required for the money collection and delivery transaction with the customer 5. The information-based system 66 through the data transmission control unit 64, which calculates the count data-based cost calculation unit 60, the fee charged to the customer 5, and the collection and delivery cost calculated by the count data-based cost calculation unit 60 as the collection and delivery profit and loss data. And a collection / delivery profit / loss data storage control unit 62 for controlling the storage of the data.

In the present embodiment, the cash calculation unit price data and the exchange creation unit price data are set to the unit price corresponding to the paperwork burden and the time required for the processing in the increase amount category or the reduction amount category, like the unit price according to the mode shown in FIG. is doing. The increased / decreased unit price is a unit price including cost and profit. Therefore, the cost of the collection and delivery transaction can be calculated based on the count data for each type of money and each handling unit. Therefore, the count data-based cost calculation unit 60 calculates the collection / delivery cost required for the collection / delivery transaction with the customer 5 based on the count data. For example, by setting the cost unit price for the cash calculation unit price and the exchange creation unit price set for each customer 5, the cost can be calculated by the same mechanism as the calculation of the commission.

FIG. 6C is an explanatory diagram showing an example of profit data by individual company. In the example shown in FIG. 6C, the profit on deposit and loan, the exchange fee, and the collection and delivery profit can be examined for each individual company. In this case, since the CIF number is added up as a unit, the transactions provided for each customer store 6 can be added up and handled. In this way, if the profit or loss of the collection and delivery transaction can be recorded in the profit data by individual company, the non-interest income and the ratio of the non-interest income to the operating profit can be calculated for each company.

When the customer 5 or the customer store 6 has an account at the shop 8 and the amount charged according to the billing party is settled by direct debit, the transferred amount is read from the accounting system. , Can be automatically registered in the information system 66. In this case, the collection and delivery profit data storage control unit 62
In response to the request to the business partner 5, the business partner 5 in the main trading store 8A
The amount transferred from the account of (main business partner store 6A) or the total amount transferred from the account of business partner store 6 at business partner store 8 at business partner 5 in response to a request to each business partner store 6 It has a function of registering in the information system 66 as a commission charged to the business partner 5. As a result, it is possible to further reduce the work load.

If profit data by individual company is registered in a customer information management system or the like and cross-sectional search becomes possible, for example, a trading partner 5 who has a profit / loss in a collection / delivery transaction.
Can be searched, and a list of business partners 5 whose operating income does not cover the profit and loss of the collection and delivery transaction can be searched.

FIG. 7 is a flow chart showing an example of the configuration of the collection and delivery fee calculation method according to this embodiment. In the example shown in FIG. 7, among various processes from the start of the collection and delivery transaction to the issuance of the bill, the processes that are the points are connected in time series. To start the collection and delivery transaction, first, in order to register the initial data, the unit price is registered according to the mode of cash calculation in the transaction. For example, when carrying out the calculation for each sachet (step S1), the unit price is increased (step S2). In addition, the unit price is set according to the increase and decrease categories shown in FIG. The cash calculation unit price data and the exchange creation unit price data are stored in the unit price data storage unit 40 (step S
3, unit price storage process by supplier).

Subsequently, when the actual transaction is started, the cash collected from the customer store 6 is counted by the cash processor 4. At this time, in the case of carrying out the calculation for each sachet (step S4),
It is collated with the deposit amount in the pouch slip for each pouch (step S5, pouch collation process). Then, the number of cash banknotes and coins calculated in the sachet-by-bag matching step S5 is totaled and stored as one piece of count data (step S6, total processing step). This step S5 is a divided deposit process using a small bag slip, and step S6 is a main slip process using this slip.

On the other hand, in the case of normal deposit, every time the money is collected, the number of the collected cash banknotes and the number of coins are counted and the count data is registered in the count data storage unit 12 (step S7, counting). Data storage process). The count data of the collected cash and the count data of the distributed money are stored in the count data storage unit 12 for each of the collection and distribution transactions.

Then, when a bill issuance request for a certain period such as monthly is input by the operation of the terminal 1 or the like, the counting data which is the number of the bills and coins is charged as a fee for the collection transaction. The cash calculation fee is calculated based on the cash calculation unit price data for each customer (step S
8, fee calculation process). Further, the exchange creation fee is calculated based on the exchange creation unit price data for each customer and the count data. Subsequently, the bill is issued to the business partner 5 with reference to the billing destination classification.

As described above, according to the present embodiment, the calculation of cash associated with deposits and withdrawals, the cash calculation of collection associated with collection and delivery, and the commission for creating money exchange are made into the weight of paperwork and the quantity handled. Can be calculated accordingly.

<Second Embodiment> In the second embodiment, a collection / delivery fee unit price calculation system for calculating a unit price according to an increase classification or a reduction classification is disclosed. In the second embodiment, when the fee relating to the collection and delivery transaction with the customer (business partner) is determined, the relationship between various options and the fee can be immediately specified. Also, not the exact number of bills and coins,
Even when the fee is semi-fixed based on the average of the actual values, the unit price and the collection and delivery fee can be calculated using the system according to the present embodiment. Furthermore, when a new collection / delivery transaction is introduced, the system will be a simulation system of fees according to the predicted quantity and selection of the increase / decrease amount category. This collection / delivery fee calculation system may be realized by, for example, a laptop personal computer, and may be used for price determination with the business partner 5, budget management of the business partner 5, and the like.

FIG. 8 is a block diagram showing an example of the arrangement of a collection / delivery fee unit price calculation system according to the second embodiment. As shown in FIG. 8, the collection / delivery fee unit price calculation system according to the present embodiment stores a basic unit price that stores a basic unit price registered in advance for each cash denomination such as banknotes or coins and for each handling unit of the denomination. Part 70, the rate of increase of the basic unit price for each increase category 33 such as pouch calculation registered for the collection transaction, and the basic unit price for each reduction group 34 for the next business day payment registered in advance for the collection transaction, etc. A unit price increase / decrease rate storage unit 72 for storing the reduction rate of the money, and a unit price increase rate storage unit 74 for storing the increase rate for each increase section 38 such as fraction creation registered in advance for the money exchange transaction. I have it.
The increase and decrease categories are the same as those shown in FIG.

The collection / delivery fee unit price calculation system further displays an increase category 33 and a decrease category 34 of the collection transaction and an increase category 38 of the money exchange transaction, and increases or decreases the basic unit price according to the selected category. A fee based on the unit price calculation unit 76 for each category, the number of handling units for each denomination of the collection transaction and the number of handling units for each denomination of the exchange distribution transaction, and the unit price calculated by the unit price calculation unit for each category And a fee calculation section 78 for calculating The denomination and the handling unit are the same as those shown in FIG.

The collection / delivery fee unit price calculation system has a user interface (for example, FIG. 9) in the configuration shown in FIG.
, And an input unit 81 for inputting various parameters and selecting an increase / decrease amount category.
And a medium reading unit 11 for reading the data stored in the recording medium 11A. The collection / delivery fee unit price calculation system can be realized by the CPU of the computer executing a program for the collection / delivery fee unit price calculation system. This program is stored in the recording medium 11A,
It can be transported to a computer and introduced.

FIG. 9 is an explanatory diagram showing an example of an input / output screen according to the second embodiment. In the example shown in FIG. 9, the transportation cost, the cash calculation fee, and the exchange creation fee are calculated.
Then, in order to calculate the cash calculation fee and the exchange creation fee, the unit price for each denomination and each handling unit is calculated based on the increase categories 33, 38 and the reduction categories 34, 39, respectively. In the example shown in FIG. 9, the reduction category 39 of the exchange creation fee is not adopted.

As shown in FIG. 9, the user of the system according to the second embodiment is concerned with the transportation cost (transportation personnel (2 persons)).
And, the average time required from the shop 8 to the shop 6 (30
Minutes) and the number of collection and delivery (21 times). In the case of every weekday, the number of collection and delivery will be 21 times. Then, the transportation cost is calculated as 47,250 yen by the formula of FIG.

Regarding the cash calculation fee, first, the basic unit price is registered as a slip 10 [yen / sheet], a check 10 [yen / sheet], and an extra 100 yen / the number of mistakes. There is no increase or decrease depending on the increase / decrease category. And the bill unit price is 2.0
[Yen / sheet] and coin unit price is registered as 0.5 [yen / sheet]. When the user selects the increase category for the collection transaction, the unit price of the banknotes and coins after the increase is calculated based on the increase rate. Here, the calculation by pouch is selected, and the bill unit price is changed by 100% to 4.0 [yen / sheet] and the coin unit price is changed to 1.0 [yen / sheet]. In addition, the user
Select a reduction category. In this example, unarranged cash is selected for next business day deposit. Then, 30% is subtracted, and 30% is subtracted from the unit price after the increase, and finally the cash calculation unit price is 2.8 [yen / sheet] for banknotes and 0.7 [yen / sheet] for coins.
Becomes

Further, the user can set the collection amount handled as the amount per one collection transaction, such as slips (2 sheets) and checks (1
Sheets, miscalculation (0), banknotes (260 sheets), coins (340
Enter). By multiplying this amount by the number of times of collection and delivery, and then multiplying each unit price and adding up, the cash calculation fee can be obtained. Here, it is 20,916 yen.

Regarding the exchange preparation fee, the basic unit price is set to a banknote bundle of 100 [yen / bundle], a coin bar of 20 [yen / book], and a large coin bag of 500 [yen / bag]. The user selects an increase category. Here, it is selected to create a fraction of a bill. Then, the currency exchange creation unit price after the increase is the banknote bundle 150 [yen / bundle]. If you input 4 bundles of banknotes, 19 coin bars and 1 large bag of coins as the amount per one exchange money distribution transaction, multiply the number of collection and delivery times, multiply each unit price, and add the result You can ask for a currency exchange creation fee. Here, it is 20,780 yen. Therefore,
The collection and delivery fee is the sum of the transportation cost, the cash calculation fee, and the exchange creation fee. Here, 88,94
It will be 6 yen.

The combination of the increase / decrease amount categories shown in FIG. Super A selects the calculation by sachet as the increase category 33 of cash calculation and the next business department deposit with unsorted cash as the decrease category 34, and the bill unit price is 2.
8 yen and the unit price of coin is 0.7 yen. If you select to create a fractional amount of bills as an increase category for making money, the bill bundle unit price will be 1
50 yen, coin bar 20 yen, large coin bag 500 yen.

In Super B, it is assumed that the average required time is 20 minutes. Then, the transportation fee will be 31,500 yen. It is assumed that the cash-basis calculation is the increase category 33 of the cash calculation, and the reduction category 34 is 0% of the same-day deposit and unsorted cash. In this case, the unit price is 4.0 yen for bills and 1.0 yen for coins.

In the vending machine management company C, it is assumed that the average required time is 35 minutes. In this case, the shipping fee is 5
It will be 5,125 yen. If there is no selection of the cash calculation increase category 33 and the same-day deposit of sorted cash is selected as the decrease category 34, the unit price is 1.6 yen for bills and 0.4 yen for coins.

In Restaurant D, the average required time is 15 minutes. In this case, the shipping fee is 23,625 yen. Assuming that the application of voucher input kana is selected as the increase category 33 for cash calculation and the same day payment is made as undecreased cash as the decrease category 34, the unit price after increase or decrease is 3.0 yen for banknotes and 0.7 for coins.
It will be 5 yen.

As described above, by using the collection / delivery unit price calculation system according to the present embodiment, it is possible to obtain the unit price according to the combination of various increase / decrease amount categories. Further, by inputting the amount per collection and delivery transaction or the amount per month, the collection and delivery fee can be calculated. Therefore, the business partner 5 can request the collection and delivery transaction in which the mode and amount of the collection and delivery transaction required by itself are carefully examined. There is a case where a certain customer 5 decides to count the amount of exchange money necessary for the next business day from the cash of the sales, and sometimes decides to sort out the cash. On the other hand, when it is difficult for the personnel inside the customer to process the cash, the amount of the collection and delivery transaction and the mode of calculation can be selected according to the amount of the fee.

As described above, the collection / delivery unit price calculation system according to the second embodiment is a collection / delivery transaction fee simulation system for the customer 5. Further, as disclosed in the first embodiment, a semi-fixed system can be adopted in addition to the complete pay-as-you-go system in which the collection and delivery fee is calculated based on daily count data. The semi-fixed system is a mechanism in which, for example, an average amount is calculated based on the results of a collection and delivery transaction for 6 months, and the collection and delivery fee is fixed based on this average amount. In the semi-fixed system, it is not necessary to register and confirm the amount for each billing when collecting and delivering fees by direct debit. Also,
It is also easy for the supplier 5 to make a forecast of future budget allocation and the like. In the case of semi-fixed collection / delivery transactions, the collection / delivery unit price calculation system according to the second embodiment can be utilized to calculate the collection / delivery fee by inputting the amount of each gold type and each handling unit.

<Third Embodiment> The third embodiment discloses a system suitable for a case where a financial institution outsources the transportation of cash or calculation of cash to a BS, a security company, or the like. For example, a bank contracts with a customer 5 for a collection and delivery transaction, and outsources the collection and delivery transaction to a trustee. Trustee is B
S or a security company, which actually manages cash, calculates and transports cash. The bank registers the deposit and withdrawal by operating the terminal of the accounting system 65.

The collection / delivery fee calculation system according to the third embodiment calculates a business consignment fee for a financial institution from a BS or a security company, and a collection / delivery fee for a customer from the financial institution. Regarding the collection and delivery fee and the business consignment fee, the invoice is issued at the customer store 6 or the main customer store 6A according to the designation of the billing party category, as in the first embodiment.

FIG. 10 is a block diagram showing a configuration example of a collection and delivery fee calculation system according to the third embodiment. The collection and delivery fee calculation system according to the present embodiment is the server 8
3 and a database 84. The database 84 is provided from various masters that store predetermined data for each type and from the transaction store 8 that is a branch of the financial institution 7 to the customer 5 (or the transaction store 6) that is a customer of the financial institution. And a transaction data file in which the number of bills or coins such as cash to be withdrawn and withdrawn associated with the collection and delivery transaction is counted or input. As shown in FIG.
The database 84 includes a transaction master 108, a transaction master 112, a transaction store master 114, a cash calculation unit price master 116, and a currency exchange creation unit price master 118.
It has and.

FIG. 11 shows a BS 130 that receives business outsourcing.
FIG. 4 is an explanatory diagram showing a relationship between a transaction store 8 and a customer store 6. The relationship between the billing source and the billing party at the customer 5 and the financial institution 7 is similar to the relationship shown in FIG. Here, BS13
If 0 is designated as a business partner store, each business partner is charged a business consignment fee, while if designated as a main business partner store, the total business commission fees for each business store are summed up to the main business store. Charge to.

FIG. 12 is an explanatory diagram showing example items of various masters. The customer master 112 uses the CIF number that uniquely identifies each customer 5 of the collection and delivery transaction as a primary key, and collectively bills each customer store 6 or the transactions of each customer store 6 as a billing party to the customer 5. The billing party classification designating the main trading partner store 6A, the main trading partner store identification number for identifying the main trading partner store 6A when the billing destination classification is the main trading partner store 6A, and the corresponding trading partner 5 The cash calculation unit price and the unit price number for specifying the exchange creation unit price for each supplier, which are increased or decreased from the basic unit price in advance according to the load of the collection and delivery transaction of. The unit price number may be a number common to the cash calculation unit price and the exchange creation unit price as shown in FIG. 12 or the like, or the unit price numbers may be attached separately. The partner store identification number is
It may be the store number account number of the customer store 6. Supplier master 112 stores the supplier's 5 kanji name and kana name. FIG. 13A shows an example of an input screen corresponding to this supplier master 112.

The transaction master 108 collects and delivers the transaction 8 by using the store number for identifying the transaction 8 having the account of one or a plurality of the transaction stores 6 which is a branch of the transaction 5 of the collection and delivery transaction as a main key. Regarding the gold business, the unit price of the service commission fee from the trustee such as BS or the security company that has been outsourced by the financial institution 7 to the trading company 8 and the unit price number that identifies each denomination of cash to be transported and each handling unit, When there are a plurality of BSs for each region, the ID of the service center (for example, trustee ID), the kanji name of the transaction store 7, and the kana name are stored. The kanji name of the transaction store 7 is, for example, XX bank A branch.

The customer store master 114 uses the customer shop identification number for identifying the customer shop 6 in the customer 5 as a main key, and makes a transaction with the CIF number of the customer 5 and the account of the customer shop 6. The store number for identifying the store 8 and the store number, subject, and account number of the account in this transaction store 8 are stored. FIG. 13 (B)
An example of a registration screen corresponding to this supplier master 114 is shown in FIG. In addition, the business partner store master 114 has a fee necessity flag indicating whether or not to request a collection and delivery fee,
A description necessity flag indicating whether or not to input kana in the description,
You may make it store the book classification which shows the kind of book etc.

The cash calculation unit price master 116 has the unit price number as the main key and is increased or decreased in accordance with the presence or absence of an increase / decrease amount category for specifying the load of the collection / collection transaction for the cash collected in the collection / delivery transaction. The cash calculation unit price for each denomination such as the bill unit price and the coin unit price is stored for each handling unit. For example, in the example shown in FIG. 12, as the cash calculation unit price, a bill unit price, a coin unit price, a slip unit price,
Register the check unit price and the unbalanced unit price. In the example shown in FIG. 14 (A), the bill unit price of the unit price number 001 is 2.8 yen. For example, if the unit price number 001 is the cash calculation unit price of the super A in the second embodiment, 0.7 yen is registered as the unit price of coins. The slip unit price is also registered. Then, 001 is registered in the supplier master 112 as a unit price number. If there is a supplier 5 that uses the same combination of unit prices as Super A, the unit price number is also 0.
It becomes 01. In this way, the cash calculation unit price master 116
In, the number of cash calculated unit prices corresponding to the number of combinations of the increase / decrease classification of the collection transaction is stored for each unit price number. Although the unit price numbers for cash calculation and exchange creation were set to simplify handling of fee unit prices, even if the unit price numbers are not registered for each denomination type, the unit price can be directly registered in the customer master. Good.

In the exchange creation unit price master 118, the unit number is used as a key, and the increase / decrease amount classification for specifying the load of the exchange money distribution transaction with respect to the cash distributed in the money exchange distribution transaction among the collection and distribution transactions. Increased or decreased depending on the presence or absence,
The currency exchange unit price for each handling unit and each denomination such as a bill bundle unit price, a coin rod unit price, and a bag unit price is stored. For example, a bill bundle unit price, a coin stick unit price, and a coin large bag unit price are stored. When the fee is added for the fractional number, the unit price of the fractional number is also registered. In the exchange creation unit price master 118, as with the cash calculation unit price master, a number of exchange creation unit prices corresponding to the number of combinations of increase / decrease amount categories of the exchange money distribution transaction are registered. For example, in the example shown in FIG.
As 01, the unit price of coin bar is set to 20 yen.

Further, in the cash calculation unit price master 116 and the exchange creation unit price master 118, the unit price of the business commission fee is registered as one kind of the fee unit price. The unit price number of this business consignment fee is stored in the unit price number of the transaction master 108.

Since the transportation cost is a predetermined fee for each customer shop 6, the transportation cost may be registered in the customer shop 6 master or the like. When individually calculating the transportation cost, it is preferable to create a transportation cost master registering the items of the transportation cost shown in FIG. If the amount of cash or the like to be handled in the exchange money distribution transaction is manually input and the transportation cost is also an input item, the exchange transaction data file 1
22 may be provided with a transportation cost item.

Referring again to FIG. 10, the database 8
4 is a money collection transaction data file 120 that stores the number of denominations such as banknotes and coins such as cash handled in the collection transaction for each collection transaction, and the cash handled in the exchange distribution transaction. Exchange transaction data file 1 that stores the number of each denomination and the number of bundles, rods, bags, etc. handled in each transaction.
22 and 22. The definitions of denomination and handling unit are the same as those in the first embodiment. The count data in the first embodiment is referred to herein as collection transaction data and exchange transaction data.

As shown in FIG. 10, the server 83 is connected to the terminal 1 via the network 3 and executes extraction and calculation of data stored in various master and transaction data files in response to a request from the terminal. To do. The server 83 includes a fee calculation unit 85, a billing category-specific bill issuance control unit 86, and a business consignment fee calculation unit 88.

The fee calculation unit 85 collects and delivers money from the financial institution to the customer 5 for the specified period including the transaction period such as daily, monthly or yearly, the CIF number, and the customer store identification number. When receiving a request to issue a fee invoice, calculate the cash calculation fee and the exchange creation fee. The calculation of this fee is, firstly, for each trading partner store 6, from the transaction data stored in the collection transaction data file 120 and the exchange transaction data file 122, the money recorded in the transaction data for the designated transaction period. Extract the quantity in species and handling units. Secondly, the cash calculation unit price and the exchange creation unit price of the customer 5 including the customer shop 6 are specified from the customer shop identification number. Thirdly, each fee is calculated from the extracted transaction data and the specified unit price.

In this embodiment, as details of the collection transaction,
Each customer store 6 issues a cash calculation handling status table for each transaction period. FIG. 15 shows an example of a cash calculation monthly handling status table for Super A branch. The results of the collection transaction in February 2001 are output every day as the number of slips, the number of banknotes, the number of coins, the number of checks, and the number of miscalculations. It extracts from the transaction data file. When the number of bills for each handling unit is summed up, for example, a total of the banknote subtotals of 5,162 is the total number of bills collected in February. Since the banknote unit price of Super A is 2.8 [yen / sheet], the fee calculation unit 85 calculates the banknote fee to be 14,453 yen by rounding down the decimal point from the cash calculation unit price and the total number of banknotes. calculate. For coins, the unit price of coin is 0.7 [yen /
The total number of coins is 6,767, and the coin fee is 4,736 yen. When the total fees for cash calculation are summed up, the calculation fee (cash calculation fee) shown in FIG. 15 is 19,789 yen.

In the example of the monthly exchange handling situation table shown in FIG. 16, the bill bundle unit price is 150 [yen / bundle], the number of bill bundles is 99, and a bill bundle fee of 14,850 yen is counted. ing. For coins, the unit price of a coin bar is 20
In [yen / book], the total number of coin bars is 393, and a coin bar gold fee of 7,860 yen is recorded. The unit price of a large coin bag is 500 [yen / bag], and since it is 3 bags, 1,500 yen is recorded as a large coin bag fee. The large amount of money exchanged on Friday is due to the inclusion of money exchanged on Saturdays and Sundays.

Regarding the specification of the unit price for each customer 5, FIG.
In the example shown in FIG.
It has 0. When the unit price identification unit 90 for each supplier receives the unit price identification request specifying the supplier store identification number or CIF number, the unit price number stored in the supplier master 112 is based on the CIF number of the supplier 5. The cash calculation unit price master unit 116 and the exchange creation unit price master 118 specify the cash calculation unit price and the exchange creation unit price of the unit price number based on the specified unit price number.
In this example, the fee calculation unit 85 requests the supplier-specific unit price specification unit 90 to perform the second process.

The invoice issuing control section 86 for each billing party category is changed from the financial institution 7 which has designated the customer 5 or the customer store 6 to the customer 5.
When a bill issuance request to the customer store 6 is received, the fees are summed up for each customer store 6 to issue a bill to each customer store 6 or the customer 5. Then, this control unit 86
Specifies the invoicing party name according to the billing destination category when the invoice is issued. That is, the control unit 86 sets the billing source name to the name of the transaction store 8 of the transaction store 6 when the billing destination classification is the designation of the transaction store. On the other hand, when the billing party classification is designated as the main trading partner store, the billing source name is set to the main trading partner 8A of the corresponding trading partner 5 (main trading partner store 6A).

As described above, in the present embodiment, when the main customer store is designated, the invoice for each customer store 6 is issued instead of the invoice in which the fees of each customer store 6 are summed up. The name of the billing source is the main transaction store 8A. In this way, the customer store 6
Assuming that each bill is a monthly bill, the system can issue a bill showing the handling quantity as shown in FIG. 17 in the monthly handling situation as shown in FIGS.

In the example of the monthly collection and delivery fee schedule and invoice shown in FIG. 17, the invoice issuance category is designated as the customer store, and the invoice from the XX bank line branch office to the supermarket A branch is displayed. Has become. When this is designated as the main customer store, it becomes a statement and invoice from the XX bank main store 8A to the super A main store 6A. When a bill as shown in FIG. 6 (B) summing up the transaction stores is required, it is preferable to issue the total bill based on the bill as shown in FIG. 17 issued in the present embodiment.

In the example shown in FIG. 17, shipping charges 47 and 250
The yen reads out the data stored in advance as the transportation fee to the Super A Ko branch. In addition to this shipping fee, cash calculation fee 1
If 9,789 yen and the exchange creation fee of 24,212 yen are added, the fee becomes 91,249 yen. The consumption tax of this fee is 4,562 yen, and the total fee including the consumption tax is 95,811 yen.

The business consignment fee calculation unit 88 calculates the business consignment fee from the BS or the security company to the financial institution. This business consignment fee is not for each business partner 5, but for the collection and delivery transaction for which the transaction store has issued a bill to the customer, the business consignment fee for the collection and delivery transaction is collectively requested. Therefore, the handling differs depending on the billing party classification. In the case where the customer store is designated as shown in FIG. 14 (A), in regard to the collection / delivery transaction with the super A, the BS 130 has the respective store 8A, 8B, 8C, 8D.
Independently charge a service commission. On the other hand, FIG.
In the case of designation of the main customer store shown in (B), BS130
Does not charge the transaction store, but collectively bills the business transaction commission to the main transaction store.

Looking at the relationship according to the billing destination classification from the transaction store, when issuing the collection and delivery fee to the customer, the BS 130 charges the business consignment fee for the collection and delivery transaction. Therefore, at the transaction store, when a customer is charged a commission, the BS charges a business consignment commission as the cost. For this reason, in the transaction store, the billing category of the transaction partner is designated as the main transaction store, and the transaction is the main transaction store 8A. The classification is designated as a business partner store, and the business management commission added to the business management commission for the collection and delivery transaction to the business partner store that is the counterpart of the business partner is paid to the BS.

The business consignment fee calculation unit 88 is the financial institution 7
When a request for issuing a commission fee invoice to the financial institution 7 is issued to the financial institution 7 from the BS or a security company for the period in which the store number of the transaction store 8 and the transaction period are specified, the transaction is outsourced to the transaction store 8. Calculate fees.

The business consignment fee calculation unit 88 firstly, based on the store number of the transaction store 8, the transaction of the transaction store 8 of the transaction stores 8 having the transaction store 8 of the store number as the transaction store 8. The transaction data for each customer store whose destination 5 billing category is the customer store designation is extracted. Secondly, the calculation unit 88 is the main customer store for all the customer stores 6A, 6B, ... Included in the customers 5 of the main customer store 6A whose main store is the trader 8 of the store number. Extract transaction data.

Thirdly, the calculating section 88 sums the transaction data for each customer store and the transaction data for each main customer store to calculate the total transaction data for the customer stores. Then, the calculation unit 88 calculates the total transaction data of the customer stores and the corresponding dealer master 10
Based on the business consignment unit price, which is the unit price at the unit price number set in 8, the business consignment fee from the trustee to the transaction store is calculated.

FIG. 18 shows an example of a cash settlement arrangement fee table including the business consignment fee. In the example shown in FIG.
○ ○ Calculates commission fees for Bank A branch and B branch. At the A branch, it is an example of providing collection and delivery transactions only to Super A. At Otsu branch, it is the total of collection and delivery transactions provided to multiple customers. It is not possible to calculate the collection and delivery fee charged by the B-Branch from the total number of B-Branches.
Since the unit price of the collection and delivery fee differs depending on the customer, the collection and delivery fee cannot be calculated simply by adding up the numbers. on the other hand,
The unit cost of business commission is set by a financial institution or by each trading company. Therefore, the business consignment fee can be calculated from the banknote unit price of the business consignment fee of 1.0 yen, the coin unit price of 0.4 yen, and the like.

In the example shown in FIG. 10, the server 83 is provided with a cash processing machine 4 for counting the cash or the like to be inserted for each denomination and for each handling unit. And the server 83
Regarding deposit by a normal deposit slip, the count data output from the cash processing machine 4 is collated with the deposit amount specified in the deposit slip, and the collated count data is stored in the collection transaction data file 120. The calculation control unit 92 is provided.

In addition, when the server 83 performs cash calculation for a plurality of sachets in one collection transaction, the server 83 collects the count data output from the cash processor 4 for each sachet calculation slip for each sachet. While matching with the amount specified in the calculation slip,
The total of the count data collated for each pouch calculation slip is totaled 1
A divided calculation control unit 94 is provided which collates the small-pouch calculation slips as total collection transaction data with a total payment slip and stores the data in the collection transaction data file 120. The function of this division calculation control unit 94 is the processing shown in FIG. 7.

If the server 83 stores the slip unit price in the cash calculation unit price for each customer 5, the server 83 charges the slip processing fee based on the number of deposit slips and / or pouch calculation slips and the slip unit price. A slip fee addition unit 96 for calculating and adding the slip processing fee to the calculation fee is provided. The case where the slip unit price is stored is the case where a value is stored in the slip unit price and the slip unit price is not 0 yen. In the example shown in FIG. 15, 10 [yen / sheet] is registered as the slip unit price, and since the total number of sheets is 40, the slip fee of 400 yen is recorded.

In the example shown in FIG. 10, when the server 83 registers a change in the amount specified by the count data or the deposit slip, the number of times the amount is changed is stored as the number of cases in the collection transaction data file 120. Storage control unit 98
If the cash calculation unit price for each business partner stores an incorrect calculation unit price, the calculation processing cost is calculated based on the number of cases and the calculation unit cost, and the calculation processing fee is added to the calculation processing fee. It is provided with a miscalculation fee addition unit 100. In registering the amount change, correction due to internal factors,
If there is a correction due to customer factors, the incorrect storage control unit 9
8 stores the number of registrations of the change in the amount due to the customer factor as an uncalculated number. In the example shown in FIG. 15, the calculated unit price is 1
Since 00 yen is stored and the number of uncalculated cases is 0,
The miscalculation fee will be 0 yen.

As described above, in the third embodiment, the unit price for each customer is set in the relationship between the customer and the bank, and
Regarding the relationship between a bank and BS, a unit price is set for each transaction store that is a branch of the bank. With this mechanism, it is possible to optimize the fees and simplify the system configuration. In other words, with regard to transaction data for collection and delivery with customers, it is not necessary to distinguish the count data by setting the unit price for each transaction store, not for each transaction store. Instead, by using each transaction store, it is possible to calculate the business commission fee based on the total of the count data of the collection and delivery transactions related to the transaction store.
By the mechanism of setting the unit fee, the same counting data can be used for calculating the collection and delivery fee from the bank to the customer and the business commission fee from the BS or the like to the bank. This facilitates the calculation of bank profits.

In the example shown in FIG. 10, the data transmission control unit 106 connected to the information system that manages the profitable data for each company such as money lending for each CIF number, and the count data for each business partner store the count data for each business partner store. In addition to summing up for all 5 business partners, the collection and delivery cost for each company of the collection and delivery transaction at the relevant financial institution is calculated based on the count data of the business partner 5 and the business consignment unit price for each business 6 Collection / delivery cost calculation by company 104 and collection / delivery charge by individual company, which is the total of the billed amount issued to all of the suppliers' stores by the billing category-specific bill issue control unit 86, and the collection / delivery by individual company. Cost and data transmission control unit 1
A collection / delivery profit data storage control unit 102 for controlling the storage of profit data of the information system via 06. The difference from the profitability by individual company shown in FIG. 4 is that the cost of the bank (financial institution) becomes the service commission. The example and application of profit data by individual company are the same as in the first embodiment.

The profitability by individual company is to analyze the transaction relationship with the customers having the CIF number in the entire bank. In the collection and delivery transaction, not only the profit by individual company but also the profit by the trader can be calculated. In this example, when the server 83 receives a request to create a collection / delivery handling status table that specifies the store number and the transaction period of the transaction store 8 of the financial institution 7, the transaction handled by the transaction store 8 for the period. The collection / delivery handling status table creation unit 124 for generating a list of collection / delivery transactions with the front store 6 is provided.

For example, when the store number of the XX bank O branch is designated, the collection and delivery handling status table preparation unit 124 first indicates the customer (invoice Extract the fees of all the customer stores whose destination category is designated as the main customer store). Then, the commission of the customer store (the customer's billing party classification is designated as the customer store) in which the relevant XX bank B branch is the dealer is extracted. These will be listed in the main trading store and the trading store.

FIG. 19 is an explanatory view showing an example of the collection and delivery handling status table of the XX bank B branch. Referring to FIG.
In February, Otsu Branch collected 15,174 banknotes. As shown in FIG. 19, the breakdown for each customer is 8,543 for supermarket B and 2,040 for vending machine management company C.
There are 4,591 restaurants and 4,591 restaurants. Super B
The unit prices of (main customer store), vending machine management company C (main customer store), and restaurant D (customer store) are the unit prices set in the second embodiment. CIF of restaurant D, which is the partner store 6
The number or the like is the CIF number of the customer 5 including the restaurant D, and the number (00001) below the restaurant D is the customer shop identification number of the restaurant D.

The fee for each customer has the value shown in FIG. Since the unit cost of the BS business consignment fee is the same for all banknotes, regardless of the customer,
Based on the unit price, it is possible to calculate the cost of the collection and delivery transaction of the second branch (business commission fee). By comparing this cost with the commission, it is possible to analyze and examine the profitability of the collection and delivery transaction for each trading unit. In addition, the handling burden for each company at the BS can be reflected in the BS unit price to make the profit for each company more precise.

[0136]

EFFECTS OF THE INVENTION According to the present invention, the unit price storage unit for each mode can handle the handling unit for each denomination of banknotes or coins according to the mode of calculating cash etc. designated by the depositor / withdrawer. The unit price data according to the predetermined mode is stored as the unit price. Then, the fee calculation unit calculates the fee based on the amount of cash for each denomination and the handling unit based on the count data and the unit price data for each mode set for each customer. With this, handling banknotes, handling coins, etc.
It is possible to calculate the fee by individually considering the weight and handling load for each denomination and handling unit. By increasing or decreasing the unit price according to the paperwork burden, the system configuration can be greatly simplified, such as the minimum configuration of counting data, and the calculation of fees by using a computer is relatively low cost. Can be achieved with. in this way,
The system according to the present invention calculates a cash calculation and collection / delivery fee based on the quantity of cash or the like in a handling unit for each denomination and the unit price for the quantity according to the paperwork burden of each supplier. As a result, the count data can be limited to the minimum number, and thus the count data and the like output from the cash handling machine can be effectively used. Further, it is possible to calculate a commission that is increased or decreased according to the handling amount of cash calculation, and it is possible to reflect the office work burden of each supplier that is increased or decreased according to the increase or decrease of the handling amount in the commission.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a calculation fee calculation system according to a first embodiment.

FIG. 2 is an explanatory diagram showing an example of denominations such as cash and handling units, and FIG. 2 (A) is a diagram showing a relationship between denominations, handling categories, and unit prices, and FIG. ) Is a diagram showing a definition example of a handling unit.

FIG. 3 is an explanatory diagram showing an example of a calculation transaction according to this embodiment.

FIG. 4 is a block diagram showing a configuration example of a collection / delivery fee calculation system according to the first embodiment.

FIG. 5 is an explanatory diagram showing a relationship between a transaction store of a financial institution and a customer's business partner store, and FIG. 5 (A) is a diagram showing an example of issuing a bill by designating the business partner store; FIG. 5B is a diagram showing an example of issuing a bill by designating a main customer store.

FIG. 6 is a diagram showing an example of various forms or data generated by the collection and delivery fee calculation system according to the present embodiment, and FIG. 6 (A) shows an example of an invoice designated by a customer store. In the figure, FIG. 6B is a diagram showing an example of an invoice designated by the main customer store, and FIG. 6C is a diagram showing an example of profit data by individual company.

FIG. 7 is a flowchart showing a configuration example of a collection fee calculation method according to the present embodiment.

FIG. 8 is a block diagram showing a configuration example of a collection / delivery fee unit price calculation system according to the second embodiment.

FIG. 9 is an explanatory diagram showing an example of an input / output screen according to the second embodiment.

FIG. 10 is a block diagram showing a configuration example of a collection and delivery fee calculation system according to the third embodiment.

FIG. 11 is a trustee (BS, etc.) and a transaction store,
FIG. 11 is an explanatory diagram showing a relationship with a business partner store, and FIG. 11A is a diagram showing an example of issuing a bill by designating the business partner store.
FIG. 6B is a diagram showing an example of issuing a bill by designating a main business partner store.

FIG. 12 is an explanatory diagram showing an example of items of various masters such as supplier masters.

FIG. 13 is an explanatory diagram showing an example of an input screen for inputting items such as supplier master, and FIG. 13A is a diagram showing an example of a supplier master registration screen.
(B) is a diagram showing an example of a registration screen of a partner store master.

FIG. 14 is an explanatory diagram showing an example of a fee input screen for inputting a fee, FIG. 14 (A) is an example of a cash calculation unit price registration screen, and FIG. It is a figure which shows an example of the registration screen of the exchange creation unit price.

FIG. 15 is an explanatory diagram illustrating an example of a cash calculation monthly handling status table.

FIG. 16 is an explanatory diagram showing an example of a currency exchange preparation monthly handling status table.

FIG. 17 is an explanatory diagram illustrating an example of a monthly collection and delivery fee monthly total schedule and invoice.

FIG. 18 is an explanatory view showing an example of a cash settlement and arrangement fee table.

FIG. 19 is an explanatory diagram showing an example of a collection and delivery handling status table.

[Explanation of symbols]

1 terminal 2 network 4 cash processing machines 5 business partners 6 Customer stores Financial institutions such as 7 banks Branches such as 8 banks 10 Fee calculation department 12 Count data storage 14 Unit price storage by mode

Claims (22)

[Claims] [Claim 1] When depositing / withdrawing money into / from an account such as a deposit, the amount of each banknote, coin or the like constituting the cash to be deposited or withdrawn, and the quantity in handling units, is calculated for each transaction with the depositor / withdrawer. And a counting data storage unit that stores the counting data as the counting data, and is determined in advance as a unit price for a handling unit for each denomination of banknotes or coins according to the calculation mode of the cash specified by the depositor / withdrawer. The unit price storage unit for storing unit price data for each mode, and the count data of the transactions included in the period for which the fee is calculated from the count data stored in the count data storage unit, and extracted. Fee calculation to calculate the cash and other calculation fees at the time of deposit and withdrawal based on the number of cash in each denomination and the handling unit based on the count data and the unit price by mode stored in the unit price by mode storage unit Calculation fee calculation system comprising the and. 2. The unit price according to the mode is a unit price obtained by increasing or decreasing the basic unit price according to the load of calculation such as the calculation category of the sachet that performs the calculation collation for each cashier / tenant etc. The calculation fee calculation system according to claim 1, wherein: 3. The unit price storage unit for each mode stores the unit price for each mode for the deposit, for each handling unit, a banknote unit price per banknote and a coin unit price per coin. , The fee calculation unit refers to the denomination of the counting data for the deposit, calculates the deposit calculation fee data based on the number of banknotes and the number of coins, and the bill unit price and coin unit price The calculation fee calculation system according to claim 1 or 2, further comprising a fee calculation function. 4. A cash processing machine that counts cash or the like to be inserted into a deposit slip in the count data storage unit for each denomination, and collates the count result with the deposit amount on the deposit slip. In addition, the fee calculation unit has a slip processing fee addition function of calculating the slip processing fee data according to the number of deposit slips and adding the slip processing fee data to the fee data. The calculation fee calculation system according to claim 3. 5. When the amount of money specified by the deposit slip and the amount of money of the counted number of money types are different, the fee calculation unit calculates the difference processing fee data in accordance with the number of cases of difference, and 5. The calculation fee calculation system according to claim 4, further comprising an error processing fee addition function of adding the error processing fee data to the fee data. 6. The mode-specific unit price storage unit stores the mode-specific unit price for the withdrawal for each handling unit such as a bundle, a rod, and a bag for each denomination, and the fee calculation unit stores the cash. 2. A withdrawal calculation fee calculation function for calculating fee data based on count data obtained by counting, for example, each handling unit of each money type and a unit price for each handling unit. The calculation fee calculation system described in 2. 7. When the withdrawal fee calculation function has a fraction from the handling unit of the withdrawal type for the withdrawal count data, the withdrawal fee is calculated based on a predetermined fraction processing format. The calculation fee calculation system according to claim 3, wherein rounding up or rounding down is performed. 8. If the fee calculation unit has a fraction from the handling unit of the denomination for the withdrawal count data, the fraction is calculated based on a unit price previously determined for a denomination such as cash. The calculation fee calculation system according to claim 3, further comprising a fraction processing function for calculating a fee for minutes. 9. The amount of cash, etc., which is put into each slip of a collection transaction with a customer is counted by denomination, and the amount of the repayment money for each repayment distribution transaction with the customer is input in a handling unit of each denomination. The cash processing machine that registers the counted data that has been or is counted, the counting data of the collection money registered for each denomination of banknotes or coins by the cash processing machine, and the counting data of the exchange money in the handling unit. A count data storage unit for each customer and for each transaction of collecting or exchanging money, and a predetermined cash for each denomination according to the mode of cash calculation and the burden of labor accompanying the collection transaction. A unit price data storage unit that stores calculated unit price data and exchange creation unit price data that is predetermined for each handling unit of the exchange money in accordance with the mode of money exchange preparation and the burden of labor associated with the exchange money distribution transaction. And the counting data of the collection A cash calculation fee calculation unit for calculating cash calculation fee data based on the cash calculation unit price data, and a currency exchange creation fee calculation for calculating exchange creation fee data based on the money exchange count data and the exchange creation unit price data Department, a transportation cost data reading unit that reads out transportation cost data calculated based on the number of transportation personnel and transportation time to the customer's collection and delivery destination location and unit price data of transportation cost, the cash calculation fee data, A collection / delivery fee calculation system comprising: a bill data generation unit that adds the exchange creation fee data and the transportation cost data to generate bill data for the customer. 10. A CIF number that uniquely identifies a customer who is the customer, a store number of a main transaction store that provides a collection and delivery transaction to the customer, and a form of issuing an invoice to the customer. A supplier data storage unit having a billing party classification, a supplier store identification number that identifies the supplier store that is a branch of the supplier, and a transaction that provides a collection and delivery transaction to the supplier store. A supplier store data storage unit that stores supplier store data having a store number of the store, wherein the bill data generation unit stores the supplier store designation as the billing party classification in the supplier data storage unit. In the case where each of the trading partners is the bill issuing entity, a billing function by trading partner that calculates each fee based on the count data for each trading partner store and each unit price of the trading partner, The contract data is stored in the supplier data storage unit. When the designation of the main trading partner store is stored as the destination classification, the main trading partner is used as an invoicing subject, and the count data for each corresponding trading partner store is summed up for all the trading partner stores 10. The collection / delivery fee calculation system according to claim 9, further comprising a main transaction invoice issuing function for calculating each fee based on the total count data and each unit price of the customer. 11. A data transmission control unit connected to an information system that manages profitable data for each company such as deposit and loan profit for each CIF number, and count data for each business partner store for all the business partners. A cost calculation unit for each count data that calculates the collection / delivery cost required for a collection / delivery transaction with the business partner based on the count data of the business partner, and the fee charged to the business partner and the above A pick-up and delivery cost data storage control unit that controls to store the pick-up and delivery cost calculated by the cost calculation unit for each count data as the pick-up and delivery cost data in the information system via the data transmission control unit. The collection and delivery fee calculation system according to claim 10. 12. The collection-and-delivery profit / loss data storage control unit transfers the amount of transfer from an account of a customer in a main trading store in response to a request to a business partner or to a business partner in response to a request to each business partner store. 12. A function for controlling to register the total amount transferred from an account of a certain customer store at the customer as a commission charged to the customer in the information system, the control method comprising: Collection and delivery fee calculation system. 13. A method of calculating a fee for a collection transaction for depositing cash collected from a customer into an account of the customer using a cash calculation fee calculation system including a database and a computer, the method comprising: A unit price storing process for each supplier, in which the unit price increased or reduced according to the labor burden required for calculating the cash collected from the supplier and depositing the calculated cash into the account of the supplier is stored in the database. A counting data storing step of counting the number of banknotes and coins of the collected cash every time the money is collected and registering the counted data in the database; and a bill issuance request for a certain period in the computer. When entered, based on the count data, which is the number of bills and coins, and the unit price by supplier as the fee for the collection transaction, A cash calculation fee calculation method comprising: a cash calculation step of calculating the cash calculation fee. 14. In the step of storing the unit price by supplier, if the cash calculation is performed from the supplier by cashier in the cash register, the tenant, etc., the unit price for the supplier is increased for the calculation by the packet. Storing the count data, the counting data storing step includes a collating process for each sachet that collates the amount of deposit in the sachet slip for each sachet, and the number of cash banknotes and coins calculated in the collating process for each sachet. 14. The cash calculation fee calculation method according to claim 13, further comprising a total processing step of totaling and storing as one count data. 15. A basic unit price storage unit that stores a basic unit price for a collection / delivery transaction registered in advance for each denomination of cash such as banknotes or coins and for each handling unit of the denomination, and a pre-registered for the collection transaction. Storing unit price increase / decrease rate storing the increase rate of the basic unit price for each increase category such as small bag calculation and the reduction rate of the basic unit price for each reduction category such as next business day deposit registered in advance for the collection transaction Department, a unit for increasing the unit price for storing the amount of increase for each increase category, such as the creation of fractions registered in advance for currency exchange distribution transactions, an increase category and a decrease category for the collection transactions, and the currency exchange distribution. A unit price calculation unit that displays the increase category of the transaction and increases or decreases the basic unit price according to the selected category, the number of handling units for each denomination of the collection transaction and the denomination of the exchange distribution transaction The number of units handled for each Collection and delivery gold commission per calculation system characterized in that a fee calculation unit for calculating a collection and delivery gold fee based on the unit price calculated by Segment bid calculation unit. 16. Various masters that store predetermined data for each type, and withdrawal and input related to a collection and delivery transaction provided from a transaction store that is a branch of a financial institution to a customer who is a customer of the financial institution. A database having a transaction data file for counting or inputting the number of denominations of bills such as cash to be paid or coins, and for each handling unit, is connected to a terminal via a network, and is requested by the terminal. According to the various masters and a server that executes the extraction and calculation of the data stored in the transaction data file, the database, one or more of the trading partner store is a branch of the customer of the collection and delivery transaction The store number that identifies the transaction shop that holds the account, and the number of business outsourcing operations from the trustee who has been outsourced by the financial institution regarding the collection and delivery business of the transaction shop. CI a bid to identify the transaction store master to store the bid number for specifying each denomination and handling units of cash to the collection and delivery of gold, the collection and delivery trading partner to only each
When an F number, a billing party category that designates each customer shop or a main customer shop that collectively handles transactions of each customer shop as a billing party to the customer, and this billing party category is the main customer shop The main trading partner store identification number that identifies the main trading partner store, and the cash calculation unit price and exchange creation unit price for each trading partner that has been increased or decreased from the basic unit price in advance according to the load of collection and delivery transactions to the trading partner A supplier master that stores a unit price number, a CIF number, a supplier store identification number that identifies a supplier store of a supplier of this CIF number, and a supplier that has an account of the supplier store. With respect to the customer store master that stores the store number and the cash to be collected for the collection transaction among the collection and delivery transactions, it is increased or decreased depending on whether there is an increase or decrease classification that specifies the load of the collection transaction, for each handling unit , And the unit price of bills and coins The unit price for each denomination, etc. is set as the cash calculation unit price of the number corresponding to the number of combinations of increase / decrease categories of the collection transaction, and the cash calculation unit price master for storing for each unit price number and the exchange of the collection / delivery transaction Regarding the cash distribution transaction, the unit price of the banknote bundle, which has been increased or decreased according to whether there is an increase / decrease classification that specifies the load of the exchange distribution transaction, for the cash to be distributed,
The unit price for each handling unit and denomination such as coin bar unit price and bag unit price is stored for each unit price number as the unit price for making exchanges corresponding to the number of combinations of increase / decrease amount categories of the exchange distribution transaction. A currency exchange unit price master, a collection transaction data file that stores the number of denominations such as banknotes and coins such as cash handled in the collection transaction for each collection transaction, and the exchange distribution transaction The exchange transaction data file that stores the number of denominations of cash, etc. handled in the above, and the number of handling units such as bundles, rods, bags, etc. for each exchange transaction, wherein the server is daily, monthly or yearly. When a request for issuance of a bill for collection and delivery fee from a financial institution to a business partner is received from a financial institution for the relevant period for which the next transaction period, CIF number, and business partner identification number are designated, the relevant business partner store is received. Each time, the collection transaction data file Of the transaction data stored in the transaction data stored in the transaction data file and the transaction data stored in the exchange transaction data file,
A fee calculation unit that calculates the cash calculation fee and the exchange creation fee based on the cash calculation unit price and the exchange creation unit price of the customer of the IF number, and a billing from the financial institution that specifies the customer or the customer store to the customer When a request to issue a bill is received, control is performed to total each fee for each supplier store and issue an invoice to each supplier store or supplier, and at the time of issuing the invoice, the supplier In the case of billing for each supplier store of the relevant customer by referring to the billing party category of No. 1, the invoicing party name is set to the transaction store name of the corresponding supplier store, while the transaction is made according to the billing party category. When billing to the other main trading partner store, a billing control unit for each billing destination that sets the billing source name to the main trading partner of the relevant trading partner, the store number of the trading partner of the financial institution, and the transaction period Money from the trustee for the specified period When a request to issue an invoice for commission to an institution is received, a transaction in which the billing category of the business partner of the relevant business partner is the business partner store among the business partners whose trading partners are the relevant store numbers Total transaction of partner stores that is the sum of the transaction data for each partner store and the main partner store transaction data of all the partner stores included in the partners of the main partner store whose main store is the partner store A business consignment fee calculation unit that calculates a business consignment fee from the trustee to the transaction store based on the data and the business consignment unit price that is the unit price at the unit price number set for the transaction master. Characteristic collection / delivery fee calculation system. 17. When the server receives a unit price identification request specifying a supplier store identification number or CIF number, the server identifies the unit price number stored in the supplier master based on the CIF number of the supplier. In addition, based on the specified unit price number, it has a unit price identification unit by supplier for specifying the cash calculation unit price and the exchange creation unit price of the unit price number from the cash calculation unit price master and the exchange creation unit price master. The collection and delivery fee calculation system according to claim 16. 18. The server is provided with a cash processing machine for counting the cash or the like to be input for each denomination and for each handling unit, and the server outputs from the cash processing machine with respect to a deposit by a normal deposit slip. The normal calculation control unit that collates the counted data and the deposit amount specified in the deposit slip and stores the collated count data in the collection transaction data file, and a plurality of sachets in one collection transaction. When performing another cash calculation, the counting data output from the cash processing machine for each sachet calculation slip for each sachet is collated with the amount specified in the sachet calculation slip, and for each sachet calculation slip. And a division calculation control unit for collating with the total receipt slip of the sachet calculation slips and storing it in the collection sum data file as one collection sum transaction data of the collated count data. The collection / delivery fee calculation system according to claim 17, wherein the collection / delivery fee calculation system is provided. 19. When the server stores a slip unit price in the cash calculation unit price for each customer, the slip processing is performed based on the number of the deposit slips and / or pouch calculation slips and the slip unit price. 19. The collection and delivery fee calculation system according to claim 18, further comprising: a slip fee addition unit that calculates a fee and adds the slip processing fee to the calculation fee. 20. When the server registers a change in the amount specified by the count data or the deposit slip, an incorrect storage control unit that stores the number of changes in the amount as an incorrect number in the collection transaction data file. If the cash calculation unit price for each of the business partners stores an incorrect calculation unit price, the calculation processing charge is calculated based on the number of calculation cases and the calculation unit price, and the calculation processing charge is added to the calculation processing charge. The collection and delivery fee calculation system according to claim 17 or 19, further comprising: 21. The data transmission control unit, wherein the server is connected to an information system that manages profitable data for each company such as money lending for each CIF number; An individual company that sums up all the counterparties' stores and calculates the collection / delivery cost for each company of the collection / delivery transaction at the financial institution based on the count data of the relevant customer and the business consignment unit price for each of the dealers. A separate collection and delivery cost calculation unit, and a collection and distribution fee for each company, which is the total of the billed amount issued to all the partner stores of the customer by the billing category-specific bill issue control unit, and the collection and distribution cost for each individual company. 21. The collection / delivery fee calculation system according to claim 17, further comprising: a collection / delivery profit data storage control unit that controls to store in the profit data of the information system via the data transmission control unit. 22. When the server receives a request to create a collection / delivery handling status table that specifies a store number and a transaction period of the trading institution of the financial institution, a trading partner handled by the trading institution during the period. The collection / delivery fee calculation system according to claim 16, further comprising a collection / delivery handling status table creation unit that creates a list of collection / delivery transactions with the store.