JP2004102685A - Money reception detail collating system and transferor clarifying method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To automatically execute money reception collation for clarifying a transferor by using limited money reception information when the money reception information is not matched with the information of a client, and to automatically specify the transferor by using the error of the past money reception information. <P>SOLUTION: This system is provided with a money reception schedule file in which money receiver data including names, account numbers, received sum and member's numbers are registered, a means for comparing the money reception information with the money reception schedule file and a means for extracting the member's numbers from the money reception information. When the received money reception information is compared with the money reception schedule file by the comparing means, and the information is not matched, the member's numbers are extracted from the money reception information by the means for extracting the member's numbers, and the whole parts or portion of the member's numbers, account numbers, name parts, and sum in the money reception information are compared by the comparing means so that the candidates of the matched transferors are outputted. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a means for collating payment to a bank account and specifying a transferor when data does not match due to an error of the transferor when the transfer is made to a credit company or the like.
[0002]
[Prior art]
This is a transfer to a bank account, which is widely used and used as one of the payment methods for commercial transactions with many customers such as credit companies and mail-order companies. There are a method of describing and transferring a number and other information for specifying a person to be transferred, and a method of specifying and transferring information by a machine. However, since the transfer is made by the transferor's entry or manual input, the payment information at the time of the transfer to the account at the transfer destination will not include the description / input error or the omission of the name due to the transferer's entry / input operation. There are many mistakes, such as erroneous writing of names due to transfer by an agent, writing the name of a family by transfer by a family, and different kanji reading kanji. If the payment information is incorrect, even if the requester such as the credit company to which the payment is to be made is mechanically checked against the registered customer database with the information to be transferred, the customer is identified and the customer is identified. Can not. When there are many transactions such as credit companies, the number of such discrepancies is enormous, and a great deal of human work is required just to clarify the depositor. I have. In order to reduce the burden of such a human work, a specific bank or the like prepares a plurality of virtual account numbers for one real account number, allocates the virtual account numbers to each customer, and deposits them. The requester has been trying to identify the transferee by the number of the transferred virtual account, but if such a method still causes the transferor to mistake the virtual account number, However, there is a problem in that the depositor cannot be identified and an unknown payment is made.
[0003]
[Problems to be solved by the invention]
In such conventional payment matching for elucidating a transferee, even if the payment information does not match the information of the claimant, the transfer information is automatically used as much as possible to automatically match and identify the transferee. It is an object of the present invention to provide a system and method capable of automatically specifying a remittant by using the information that has been specified and accumulated in association with the result of elucidating the past payment information.
[0004]
[Means for Solving the Problems]
This is a system for elucidating the depositor based on the deposit information transferred to the bank account, and a deposit schedule file in which the depositor data including the name, account number, deposit amount and membership number are registered, Means for comparing the payment schedule file, and means for extracting the member number from the payment information, and when receiving the credit information, the comparing means compares the payment information with the payment schedule file and the information does not match; The means for extracting the member number from the deposit information extracts the member number, and when the member number and the member number in the scheduled deposit file match, a payment statement matching system for specifying a transferee, and the member number from the deposit information Means for extracting a continuous 16-digit number string from the depositor information in the deposit information, and using the extracted 16-digit number string as the international credit card A check digit as a number is determined, and if the check digit is determined to be positive, it is determined to be a credit card number and the transferee is specified.Also, candidates for the transferee are determined based on the deposit information transferred to the bank account. A determination system, wherein a payment schedule file in which depositor data including a name and an account number and a deposit amount and a member number are registered, means for comparing the deposit information with the deposit schedule file, and a member number are extracted from the deposit information. Means, when receiving the deposit information, the comparing means compares the deposit information and the file to be paid, and when the information does not match, the means for extracting the member number from the deposit information extracts the member number, The comparing means may be a member number and / or an account number, and / or a name part, and / or the entire amount or And a system for comparing a part with a scheduled payment file and outputting a transferee candidate based on matched information, and a system for determining a transferee candidate based on the transfer information transferred to a bank account. A deposit schedule file in which prospective depositor data is registered, a means for comparing the deposit information with the deposit schedule file, and a deposit information accumulation file in which past deposit information and the result of elucidating the depositor are stored in association with each other, When receiving the deposit information, the comparing means compares the deposit information with the file to be deposited, and when the information does not match, searches for the past deposit information of the deposit information accumulation file, and outputs a deposit person candidate. A collation system and a method of determining a candidate for a transferee based on payment information transferred to a bank account, including a name, an account number, and a deposit amount. A deposit schedule file in which depositor data including a membership number and a deposit number are registered, a unit for comparing the deposit information with the deposit schedule file, and a unit for extracting a member number from the deposit information. Means for comparing the deposit information with the file to be paid and if the information does not match, the means for extracting the member number from the deposit information extracts the member number and searches for the depositor, and the means for comparing includes A transferee candidate determination method for comparing all or a part of the member number and / or account number, and / or the name portion, and / or the amount of money to the payment schedule file, and outputting a transferee candidate based on the matched information; Including.
[0005]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a flowchart of an embodiment of the present invention, and FIG. 2 is a flowchart of a means for extracting a member number in this embodiment. FIG. 3 is a diagram showing the overall configuration of the receipt details collation system of this embodiment. In this embodiment, reference numeral 1 denotes a credit company system that manages billing and payment relating to credit use. 11 is a receiving unit for receiving deposit information data from a bank, 12 is a deposit information file, 13 is an information file of a deposit account, 14 is a deposit member number file, 15 is a deposit information accumulation file, 16 is a processing unit, 17 Is an unsolved / unsolved / candidate list, 18 is a deposit / unsolved information file, 2 is a bank transfer terminal, 3 is a bank system having a credit company account, 31 is a virtual account file, 32 is a credit It is a real account of the company. The customer who has been charged by the credit company transfers money from the terminal 2 to the account of the bank having the system 3. The bank that has received the transfer notifies the credit company of the payment using the payment information data 33. When the account number and the name of the payment information completely match, the transferor can be specified, and the transfer of the specific person is performed. Can be processed. However, when there is an error in the payment information, for example, in the name, account number, or the like, the system of the credit company cannot match the billing information, and the remittant cannot be specified.
[0006]
The present embodiment is an example in the case of having a virtual deposit account, but can also be applied to a normal deposit account without a virtual deposit account. In the present embodiment, the credit company system has deposit schedule files 13 and 14 in which the depositor data including the name and account number and the deposit amount and the membership number, which are billing information, are registered. As shown in FIG. Is read, the name and the virtual deposit account number are compared, and if there is a deposit scheduled, a normal deposit process is performed. However, when the deposit information in the deposit information file 12 and the deposit information in the deposit account information file 13 do not match, according to the procedure of the flowchart of FIG. Is extracted, and the check digit is checked by assuming the extracted 16-digit number string as an international credit card number. If the check digits match, the member number (credit card number) of the member number file 14 to be paid in is received. If there is a matching member number, it is specified that the matching member number is a transfer from a member, and payment processing and the like are performed. If it does not match the member number, the part to be extracted is further shifted by one digit to extract 16 consecutive digits, compared with the member number in the same procedure, and if they match, the same processing as above is performed.
[0007]
If there is no match even after performing this processing, in this embodiment, the process proceeds to the next candidate search of (2) in FIG. Although the flowchart of (2) in FIG. 1 describes a case where a data file about the past collation history is provided, the collation file does not depend on the past history data, but the candidate is determined based on the comparison with the expected payment file. The identification method may be used.
[0008]
In the case where the transferee cannot be identified from the member number by the means described above, and in the case where the account numbers in the payment information match, it is checked whether or not some of the names in the payment information match. In this case, if they partially match, a candidate of the matching name portion is extracted, and then a candidate with the same transfer amount is extracted. At this time, if the money amount is singular, the process proceeds to the normal payment processing assuming that the remittant has been identified. In this case, if there is more than one with the same amount, a plurality of candidate lists are output, and the transferee is clarified based on whether the dunning notice creation date is newer or the member number is larger among the candidates. The processing is performed, and the result of the elucidation processing is recorded in the collation history file (payment elucidation / uncleared information file 18).
[0009]
If the account numbers do not match in the deposit information, it is checked whether there is a match in the name part. If there is a match, a candidate list is output in the same manner as described above, and the process proceeds to elucidation processing. At this time, if there is no match in the name part, an unknown list is output.
[0010]
In addition, the payment information obtained as a result of such processing and the payment information in which the remittant has been clarified by artificial work thereafter are recorded in the collation history file 18 and also recorded in the payment information accumulation file 15. In the deposit information accumulation file 15, for example, the transferee Yamada Taro is to be transferred under the name of Yamada Mitsuko of the family, the Yamazaki Taro is the transferor, the transfer is performed under the Yamasaki Taro name, and the transferor is Yamada Taro. However, records such as the transfer by the name of the destination of the transfer due to erroneous writing will be accumulated.
[0011]
When accumulated information is obtained in which past payment information due to such a mistake of input by the transferor and the result of elucidating the transferer (payer) are obtained, the payment information is received, and the payment information is compared with the payment schedule file. When the information does not match, by searching for the past deposit information accumulated in the deposit information accumulation file 15, it is possible to output candidates for a depositor who has made a deposit with similar deposit information in the past. The transferee can be quickly identified. In particular, members who transfer money to the same account many times often create a transfer card that records the information entered at the time of transfer in order to simplify the procedure at the bank. Since the transfer is performed using the same transfer information, the effect is higher.
[0012]
【The invention's effect】
According to the present invention, in the deposit matching for elucidating the depositor, when the deposit information does not match the information of the claimant, the limited deposit information is used to automatically collate and identify the depositor. In addition, it is possible to automatically identify the person who made the payment using the error in the past payment information.
[Brief description of the drawings]
FIG. 1 is a flowchart of an embodiment of the present invention.
FIG. 2 is a flowchart of a means for extracting a member number in this embodiment.
FIG. 3 is a diagram showing an overall configuration of a payment statement matching system according to the embodiment.
[Explanation of symbols]
1 Credit company system 2 Bank transfer terminal 3 Bank system with credit company account

Claims (5)

This is a system for elucidating the depositor based on the deposit information transferred to the bank account, and a deposit schedule file in which the depositor data including the name, account number, deposit amount and membership number are registered, Means for comparing the payment schedule file, and means for extracting the member number from the payment information, and when receiving the credit information, the comparing means compares the payment information with the payment schedule file and the information does not match; A means for extracting a member number from the payment information extracts a member number, and when the member number matches a member number in a payment schedule file, a payment statement matching system for specifying a transferee. The means for extracting the member number from the deposit information extracts a continuous 16-digit number string from the depositor information in the deposit information, and performs a check digit determination as an international credit card number in the extracted 16-digit number string. 2. The payment statement matching system according to claim 1, wherein when the check digit is determined to be correct, the credit card number is determined and the remittant is specified. This is a system that determines the candidate of the transferee based on the payment information transferred to the bank account, and a payment schedule file in which the payer data including the name and account number and the payment amount and the member number are registered, and the payment information and Means for comparing the payment schedule file, and means for extracting the member number from the payment information, and when receiving the credit information, the comparing means compares the payment information with the payment schedule file and the information does not match; The means for extracting the member number from the deposit information extracts the member number, and the comparing means includes all or a part of the member number and / or account number and / or name part and / or the amount in the deposit information. A payment details collation system that compares a payment schedule file with a payment schedule file and outputs a transferee candidate based on the matched information. A system for determining a candidate for a transferee based on the deposit information transferred to a bank account, a deposit schedule file in which prospective depositor data is registered, a means for comparing the deposit information with the deposit schedule file, It has a deposit information accumulation file storing the deposit information and the result of elucidating the depositor in association with each other. A payment details collating system that searches past payment information in the payment information accumulation file and outputs a transferee candidate. This is a method of determining a candidate for a transferee based on the payment information transferred to a bank account, and a payment schedule file in which the payer data including a name, an account number, a payment amount, and a membership number is registered, Means for comparing the payment schedule file, and means for extracting the member number from the payment information, and when receiving the credit information, the comparing means compares the payment information with the payment schedule file and the information does not match; The means for extracting the member number from the deposit information extracts the member number and searches for a transferee, and the comparing means compares the member number and / or account number and / or name part in the deposit information, and / or A transferee candidate determination method for comparing all or a part of the amount of money with a file to be paid and outputting a transferee candidate based on matched information.

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