JP2005293157A - Payment data processing system, payment data processing program and payment data processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment data processing system having a function capable of adding any data, including information on payment content to netting data in preparing transfer data and the netting data from payment data in any format and adding no payment amount to the same payment destination. <P>SOLUTION: The payment data processing system involves: acquiring the payment data in any format from an ERP (Error Recovery Procedure); and classifying the payment data into data for transfer and the data for netting before converting any format into a standard format. The data for transfer is used for preparing transfer data by converting any format into the standard format and by conducting the addition of the same payment destination portion, and for transmitting the transfer data as transfer instructions to a banking system. The data for netting is used for preparing netting data by adding the additional information from an item specifying the payment data and for transmitting the netting data to the cash pool system of a generalization company, or the like. No addition is made to the data for netting even if the data for netting is applied to the same payment destination portion. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention provides a payment data processing system, a payment data processing program, and a payment data processing program for efficiently creating transfer data and netting data from payment data acquired from an accounting system or the like when payment for a company or the like is performed by transfer or netting. The present invention relates to a payment data processing method.

  As a service that supports the efficiency of business procedures and cash management for companies, financial agency and the like have been provided with a payment agency service on behalf of payments such as transfer. Payment agency services are provided using firm banking, which can connect to financial institutions 'computer systems using communication lines from terminals installed in the company and use financial institutions' services from terminals in the company. In general.

  A general payment agency system that provides payment agency services converts payment data that specifies payment destinations and payment amounts obtained from accounting systems, etc. into the Zengin format, which is a standard format used for transfers between banks. Convert it and send it to the bank system as transfer data compatible with the Zengin format. In the creation of transfer data, in order to reduce the transfer fee, the amount to be paid to the same transfer destination on the same date is added to form one transfer data.

  On the other hand, due to the diversification of payment methods among companies, particularly in payment settlement within a corporate group, so-called netting, in which funds are settled without bank transfer by adjusting the deposit and borrowing accounts to the controlling company. The so-called method is also used.

  FIG. 14 shows an example of fund settlement by netting. When company A pays the sales price to company B, if the transaction is with a third party, the sales price is designated by company B. Generally, settlement is made by transferring money to a deposit account, but if both are group companies, both sides have a deposit account with the controlling company, and settlement can also be done by changing these accounts. It can be carried out. In the case of FIG. 14, the deposit account of company A that pays the sales price is withdrawn for the sale price, and the transferred amount is transferred to the deposit account of company B that receives the sale price, so that the transfer using the bank account is made. It is possible to make a settlement between the two without performing.

  If you settle the funds by netting, you can reduce the transfer fee because you do not need to transfer funds, and you can move funds between group companies quickly without going through the processing of a third party bank. The effect of efficient management can also occur. However, payments that can be settled by netting are limited to group companies that have deposit accounts with the same supervising company, etc., so payment data is classified by means of netting and bank transfer. Each process must be performed.

  As described above, in order to improve the efficiency of fund management using netting, an invention relating to a fund management method for selecting funds that can be netted from payment data and performing transfer processing for those that are not subject to netting is performed. Is disclosed (for example, see Patent Document 1).

JP 2003-271887 A

  In the invention described in Patent Document 1, when determining whether or not to be a netting target, the payee's account number is used as a key, and if the payee's account number is not registered as a netting target, a transfer process is performed. (See 6p. Paragraph Nos. 0038 to 0040 of Patent Document 1). As described above, payment data can be classified into a transfer object and a netting object by using the account number as a key. However, in Patent Document 1, details of the data format in this sorting process are not disclosed.

  On the other hand, in the payment agent system corresponding to the currently used netting and transfer processing, the data format conversion in the sorting process is generally performed as shown in FIG. All payment data in an arbitrary format output from an accounting system such as ERP is converted into a transfer data corresponding to the Zengin format, which is a standard format for bank transfer. At this time, when payment is made by adding together the payments to be paid to the same payee on the same date in order to reduce the transfer fee, the transfer data is summed up. Also, all incidental data not included in the Zengin format is deleted at this stage. Subsequently, using the account number included in the transfer data as a key, the data is sorted into transfer data transmitted to the bank system for transfer processing and netting data transmitted to the cash pool system of the managing company or the like for netting processing.

  However, several problems have arisen in the above-described processing procedure currently being performed. First, since all incidental data is deleted in the process of converting the file to the Zengin format, there is a problem that additional information for specifying the contents related to the payment cannot be added at the payee who made the payment. . Such additional information is called so-called EDI information, and it is possible to add up to 20 characters of EDI information in the Zengin format, but there are also conditions such as restrictions on the number of characters and the necessity of registration for use of both. The current situation is that it is not used much. Considering the convenience of those who use settlement information as well as fund settlement, various net information for identifying payment details of the payment can be used for fund settlement, especially in netting that is not bound by the Zengin format. Preferably it can be added to the data.

  Next, in the process of converting the file to Zengin format, the same payee is added to reduce the transfer fee, so the netting that does not generate the transfer fee is processed on a combined basis. is there. In the payee, it is necessary to confirm whether there is a deposit corresponding to the issued invoice, so-called application processing is necessary, but if the payment is confirmed in the combined state, the relationship with the invoice There is a problem that it is difficult to grasp and the erasure process becomes complicated. For netting, even if processing is performed in units of payment data for which an invoice has been issued, there is no problem with the transfer fee, so it is preferable that netting data is not summed.

  The present invention was made to solve such problems, and is a payment data processing system that efficiently creates transfer data and netting data from payment data in an arbitrary format acquired from an accounting system or the like, It is an object to provide a system that can add arbitrary data such as information on payment details for netting data and that has an effective function for processing such as application, in which payment amounts are not added for the same payee. It is what.

  A first invention that solves the problem according to the present invention is a payment data processing system that creates transfer data and netting data from payment data, and includes at least payment destination information for specifying a payment destination and a payment amount to the payment destination. Payment data storage means for storing payment data including, payment method storage means for storing either payment or netting payment methods determined for each payee in association with the payee information, and the payment method storage means , Payment method specifying means for specifying the payment method of the payment data as either transfer or netting using the payee information as a key, and payment data for which the payment method is specified as transfer by the payment method specifying means The payment data is converted into a format specified in the transfer processing system, and the payment destination information and the payment are converted. In the creation of the netting data, the transfer data creating means for creating the transfer data including at least the amount of money, the transfer data transmitting means for sending the transfer data created by the transfer data creating means to the transfer processing system, With reference to the additional information item storage means for specifying and storing a specific item included in the payment data as an item for acquiring additional information added to the included transfer information, the additional information item storage means, Additional information acquisition means for acquiring additional information added to netting data from a specific item included in the payment data, and payment data for which payment method is specified as netting by the payment method specifying means, Add the additional information acquired by the additional information acquisition means to the netting processing system A netting data creating means for creating netting data by converting it into a format that can be used in a network, and a netting data transmitting means for sending the netting data created by the netting data creating means to the netting processing system, The transfer data transmission means creates a transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, and transfers the transferred transfer data to the transfer data It is the payment data processing system characterized by transmitting to a processing system.

  In the first invention, for payment data in an arbitrary format acquired from an accounting system or the like, the payment method is divided into transfer and netting, and transfer data in a standardized data format such as the Zengin format for the transfer amount, For netting, netting data in a data format used in a cash pool system or the like is created. After that, only the transfer data is added to the same transfer destination, so the netting data is not added, and the payment details are obtained by adding and adding additional information of the specified items of payment data to the netting data. It is possible to provide information effective for processing associated with fund settlement such as application for information related to netting together with netting processing.

  A second invention that solves the problem according to the present invention is a payment data processing system that creates transfer data and netting data from payment data, and includes at least payment destination information for specifying a payment destination and a payment amount to the payment destination. Payment data storage means for storing payment data including, payment method storage means for storing either payment or netting payment methods determined for each payee in association with the payee information, and the payment method storage means The payment method specifying means for specifying the payment method of the payment data as either transfer or netting using the payee information as a key, and converting the payment data into a format specified in the transfer processing system. , Transfer data creating means for creating transfer data including at least the payee information and the payment amount, and the payment For payment data whose payment method is specified as transfer by the law specifying means, transfer data transmitting means for transmitting the transfer data created by the transfer data creating means to the transfer processing system, and in creating the netting data, the transfer data The additional information item storage means for specifying and storing a specific item included in the payment data and the additional information item storage means are added to the netting data as items for acquiring additional information added to the payment data. Additional information acquisition means for acquiring additional information to be obtained from a specific item included in the payment data, and transfer data created by the transfer data creation means for payment data whose payment method is identified as netting by the payment method identification means The additional information acquired by the additional information acquisition means is added to the data, and the netting process is performed. Netting data creation means for creating netting data by converting to a format that can be used in the system, and netting data transmission means for sending the netting data created by the netting data creation means to the netting processing system. The transfer data transmission means creates a transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, and the combined transfer data is It is the payment data processing system characterized by transmitting to a transfer processing system.

  Also in the second invention, for payment data in an arbitrary format acquired from an accounting system or the like, the payment method is divided into transfer and netting, and the transfer data in a standardized data format such as the Zengin format for transfer, For netting, the creation of netting data in a data format used in a cache pool system or the like is the same as in the first invention. However, in the second invention, first, all payment data in an arbitrary format is converted into transfer data in a standardized data format such as the Zengin format, and among these, the payment method is converted into transfer data classified into netting. Adds predetermined additional information to create netting data. For transfer data whose payment method is categorized as transfer, one transfer data is created by adding the payment amounts for the same transfer destination and transmitted.

  A third invention that solves the problem according to the present invention is a payment data processing system that creates transfer data and netting data from payment data, and includes at least payment destination information for specifying a payment destination and a payment amount to the payment destination. Payment data storage means for storing payment data including, payment method storage means for storing either payment or netting payment methods determined for each payee in association with the payee information, and the payment method storage means The payment method specifying means for specifying the payment method of the payment data as either transfer or netting using the payee information as a key, and transfer information included in the transfer data in the creation of the netting data. Additional information to be stored by designating a specific item included in the payment data as an item for acquiring additional information to be added With reference to the item storage means and the additional information item storage means, additional information acquisition means for acquiring additional information added to the transfer information in the creation of the netting data from a specific item included in the payment data; Netting data creating means for creating netting data by adding the additional information obtained by the additional information obtaining means to the transfer information and converting it into a format that can be used in a netting processing system, and a payment method by the payment method specifying means For the payment data identified as transfer, the additional information is deleted from the netting data created by the netting data creation means, converted into the format specified in the transfer processing system, and the payee information and the payment amount Transfer data containing at least Transfer data creation means to be generated, transfer data transmission means for sending the transfer data created by the transfer data creation means to the transfer processing system, and payment data for which the payment method is specified as netting by the payment method specifying means, Netting data transmission means for transmitting the netting data created by the netting data creation means to the netting processing system, and the transfer data transmission means for the plurality of transfer data having the same payee information, The payment data processing system is characterized in that the payment amount included in the transfer data is added to create one transfer data, and the combined transfer data is transmitted to the transfer processing system.

  Also in the third invention, for payment data in an arbitrary format acquired from an accounting system or the like, the payment method is divided into transfer and netting, and the transfer data in a standardized data format such as the Zengin format for transfer, For netting, the creation of netting data in a data format used in a cache pool system or the like is the same as in the first and second inventions. However, in the third invention, first, for all payment data in an arbitrary format, netting data in which additional information is added to transfer data in a standardized data format such as the Zengin format is created. The predetermined additional information is deleted from the netting data classified as transfer, and transfer data that conforms to a standardized data format such as the Zengin format is created. As for the transfer data created in this way, one transfer data obtained by adding up the payment amounts for the same transfer destination is created and transmitted.

  In the first to third aspects of the invention, the payee information is a deposit account number designated by the payee as a transfer destination of the payment amount, and the payment method storage means is associated with the deposit account number for payment. A method has been specified, and the transfer data transmitting means can create payment data by collecting payment data having the same deposit account number.

  Thus, it is preferable that the payment method specifying method in the first to third inventions is specified using the deposit account number of the payee as a key.

  In the first to third aspects of the invention, at least one of the items included in the payment data for causing the terminal device operated by the operator of the payment data processing system to select an item corresponding to the additional information. Item list transmission means for transmitting a part of the list, and additional information item registration for receiving an item selected from the list from the terminal device and registering it in the additional information item storage means as an item for acquiring the additional information And means.

  If comprised in this way, the user of this system can select specific items, such as a charge department and a course included in payment data, and can select the additional information added to netting data arbitrarily.

  Furthermore, in the first to third inventions, whether or not to select a non-summation that does not sum up the amount of payment even if the payment method is a transfer to the same payee when the payment method is a transfer. When the transfer data transmitting means detects that the non-summation is selected from the payment data, the transfer data corresponding to the payment data is another transfer with the same payee information. It is also possible to transmit the data and the payment amount to the transfer processing system as one transfer data without summing up the data and the payment amount. A list of at least a part of payment data stored in the payment data storage means for causing the terminal device operated by the operator of the payment data processing system to select the payment data for selecting the non-summation to the operator. The payment data list transmission means for transmitting the information, and the terminal device receives information for identifying the payment data for which the non-summation is selected from the list, and identifies the payment data stored in the payment data storage means A non-summing selection registering means for registering the presence of non-summing selection in the payment data corresponding to the information may be provided.

  As for the transfer process, it is preferable to perform the transfer process by adding together the same payee from the viewpoint of reducing the transfer fee. However, there may be cases where it is desirable to choose not to add up, such as prioritizing the ease of processing at the time of application over the transfer fee. Therefore, if configured in this way, the user selects payment data that the user wants to exclude from the addition target Is possible.

  The payment data processing system according to the first to third aspects of the present invention is understood as a payment data processing program for causing a computer to execute the processing of the payment data processing system according to each of the above-described configurations. You can also. Furthermore, it can also be understood as a payment data processing method executed by the payment data processing system according to the first to third inventions described above, or a payment data processing program corresponding to these systems.

  In other words, the payment data processing program corresponding to the first invention is a payment data processing program for creating transfer data and netting data from payment data, and the computer stores payment information and payment destination information for specifying a payment destination. A payment method for receiving payment data including at least a payment amount and storing the payment data in a payment data storage unit; and a payment method for storing either payment or netting payment method determined for each payee in association with the payee information Referring to the storage unit, specifying the payment method of the payment data as either transfer or netting using the payee information as a key, and transferring the payment data for the payment data for which the payment method is specified as transfer Convert to the format specified in the processing system, the payee information and the payment amount Item for acquiring additional information added to the transfer information included in the transfer data in the step of creating the transfer data including at least the step of transmitting the transfer data to the transfer processing system and the creation of the netting data The additional information added to the netting data is acquired from the specific item included in the payment data with reference to the additional information item storage unit that specifies and stores the specific item included in the payment data. For the payment data whose payment method is specified as netting, the additional information acquired in the step of acquiring the additional information is added to the transfer information, and converted into a format that can be used in the netting processing system. Creating the netting data; And a step of transmitting to the payment processing system, wherein in the step of transmitting the transfer data, the payment amounts included in the transfer data are added together for a plurality of transfer data having the same payee information. Then, a payment data processing program is characterized in that one transfer data is created and the combined one transfer data is transmitted to the transfer processing system.

  A payment data processing program corresponding to the second invention is a payment data processing program for creating transfer data and netting data from payment data, wherein the payment information and payment amount to the payment destination are specified in the computer. A payment method storage unit that accepts and stores payment data including at least a payment data storage unit, and stores either payment or netting payment methods determined for each payment destination in association with the payment destination information Referring to the payment destination information as a key, the step of specifying the payment method of the payment data as either transfer or netting, and converting the payment data into a format specified in the transfer processing system, A step of creating transfer data including at least the destination information and the payment amount, and a payment method Included in the payment data as an item to acquire additional information added to the transfer data in the step of sending the transfer data to the transfer processing system and the creation of the netting data for the payment data identified as transfer The additional information added to the netting data is acquired from the specific item included in the payment data with reference to the additional information item storage unit that specifies and stores the specific item, and the payment method is netting. For the identified payment data, add the additional information acquired in the step of acquiring the additional information to the transfer data generated in the step of generating the transfer data, and convert it into a format that can be used in the netting processing system. Creating netting data; and Transmitting the payment data to the netting processing system, wherein the payment data includes a plurality of transfer data having the same payee information in the payment data included in the transfer data. A payment data processing program characterized in that one transfer data is created by adding up amounts of money, and the combined transfer data is transmitted to the transfer processing system.

  A payment data processing program corresponding to the third invention is a payment data processing program for creating transfer data and netting data from payment data, wherein the payment information and payment amount to the payment destination are specified in the computer. A payment method storage unit that accepts and stores payment data including at least a payment data storage unit, and stores either payment or netting payment methods determined for each payment destination in association with the payment destination information Referring to the payment information, the step of specifying the payment method of the payment data as either transfer or netting using the payee information as a key, and the creation of the netting data are added to the transfer information included in the transfer data Specify and store a specific item included in the payment data as an item for acquiring additional information The additional information added to the netting data is acquired from a specific item included in the payment data, and the additional information is acquired in the transfer information. Adding the additional information, converting to a format that can be used in the netting processing system to create the netting data, and deleting the additional information from the netting data for the payment data whose payment method is specified as transfer, Converting into a format specified in the transfer processing system, creating transfer data including at least the payee information and the payment amount, transmitting the transfer data to the transfer processing system, and a payment method netting For payment data identified as Transmitting the netting data to the netting processing system, and in the step of transmitting the transfer data, a plurality of transfer data having the same payee information is included in the transfer data. The payment data processing program is characterized in that one payment data is created by adding together the payment amounts to be transmitted, and the one transfer data combined is transmitted to the transfer processing system.

  A payment data processing method corresponding to the first invention is a payment data processing method for creating transfer data and netting data from payment data, wherein the payment data processing system specifies the payment destination information and the payment destination. Receiving the payment data including at least the payment amount of the payment data and storing the payment data in the payment data storage unit, and the payment data processing system uses either the transfer or netting payment method determined for each payee as the payee A step of specifying a payment method of the payment data as either transfer or netting by using the payment destination information as a key with reference to a payment method storage unit stored in association with information; and the payment data processing system includes a payment method For payment data that is identified as a transfer, the payment data A transfer data including at least the payee information and the payment amount, the payment data processing system transmitting the transfer data to the transfer processing system, and the payment data. An additional information item storage in which the processing system designates and stores a specific item included in the payment data as an item for acquiring additional information added to the transfer information included in the transfer data in the creation of the netting data A step of acquiring additional information added to the netting data from a specific item included in the payment data, and the payment data processing system for the payment data for which the payment method is specified as netting, Add the additional information acquired in the step of acquiring the additional information to the transfer information, A method of performing conversion to a format that can be used in a netting processing system to create netting data, and wherein the payment data processing system transmits the netting data to the netting processing system. In the step of transmitting the transfer data, the payment data processing system creates one transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, It is a payment data processing method characterized by transmitting the combined transfer data to the transfer processing system.

  A payment data processing method corresponding to the second invention is payment data processing for creating transfer data and netting data from payment data, wherein the payment data processing system sends the payment information to the payment destination information and the payment destination. Receiving payment data including at least a payment amount and storing the payment data in a payment data storage unit; and the payment data processing system determines a payment method of either transfer or netting determined for each payee as the payee information The payment method storage unit that stores the payment data in association with the payment information, the payment method of the payment data is specified as either transfer or netting using the payment information as a key, and the payment data processing system includes the payment data To the format specified in the transfer processing system, the payee information and the payment amount Creating payment data including at least; payment data processing system sending payment data to payment processing system for payment data for which payment method is specified as transfer; In the creation of the netting data, as an item for acquiring additional information added to the transfer data, the netting is referred to by referring to an additional information item storage unit that specifies and stores a specific item included in the payment data. Acquiring additional information to be added to data from a specific item included in the payment data, and creating the transfer data for the payment data in which the payment data processing system is identified as netting Obtained in the step of obtaining the additional information to the created transfer data Adding additional information and converting to a format that can be used in a netting processing system to create netting data; and wherein the payment data processing system sends the netting data to the netting processing system. In the step of transmitting the transfer data, the payment data processing system adds a payment amount included in the transfer data for a plurality of transfer data having the same payee information. It is a payment data processing method characterized by creating transfer data and transmitting a total of transfer data to the transfer processing system.

  A payment data processing method corresponding to the third invention is a payment data processing method for creating transfer data and netting data from payment data, wherein the payment data processing system specifies the payment destination information and the payment destination. Receiving the payment data including at least the payment amount of the payment data and storing the payment data in the payment data storage unit, and the payment data processing system uses either the transfer or netting payment method determined for each payee as the payee A step of specifying a payment method of the payment data as either transfer or netting using the payment destination information as a key with reference to a payment method storage unit stored in association with information; and the payment data processing system includes the netting Item for obtaining additional information added to the transfer information included in the transfer data in the creation of the data The additional information added to the netting data is acquired from the specific item included in the payment data with reference to the additional information item storage unit that specifies and stores the specific item included in the payment data. And the payment data processing system adds the additional information acquired in the step of acquiring the additional information to the transfer information, converts it into a format that can be used in a netting processing system, and creates netting data; The payment data processing system deletes the additional information from the netting data for the payment data whose payment method is specified as transfer, converts the additional information into a format specified in the transfer processing system, and converts the payee information and the payment Creating transfer data that includes at least the amount of money; The payment data processing system transmits the transfer data to the transfer processing system, and the payment data processing system transmits the netting data to the netting processing system for payment data whose payment method is specified as netting. In the step of transmitting the transfer data, the payment data processing system includes a payment amount included in the transfer data for a plurality of transfer data having the same payee information. Are combined to create one transfer data, and the combined one transfer data is transmitted to the transfer processing system.

  According to the present invention, when a company or the like processes payments by transfer or netting together, it adds arbitrary data such as information on payment details for the netting, and does not add up the payment amount for the same payee, Payment can be made. The payee can cancel the deposit with the amount corresponding to the invoice for the netting, and can also receive additional information such as the department in charge and account item, etc. Can be made more efficient.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. The following description is an example of a payment data processing system according to the present invention, and embodiments such as the format of payment data and netting data are not limited to the following description.

  FIG. 1 is a block diagram showing a configuration of a payment data processing system according to the present invention. FIG. 2 is a diagram showing an outline of a conventional payment agency system. FIG. 3 is a diagram showing an outline of the payment data processing system according to the present invention. FIG. 4 is an example of payment data used in the payment data processing system according to the present invention. FIG. 5 is an example of selection data selected from the payment data in the payment data processing system according to the present invention. FIG. 6 is an example of transfer data created in the payment data processing system according to the present invention. 7 and 8 are first and second examples of netting data created in the payment data processing system according to the present invention, respectively. FIGS. 9 and 10 are first and second flowcharts, respectively, showing processing flows in the conventional payment data processing. FIG. 11, FIG. 12, and FIG. 13 are flowcharts showing the processing flows of the first embodiment, the second embodiment, and the third embodiment, respectively, by the payment data processing system according to the present invention.

  First, using FIG. 2 and FIG. 3, the processing procedure of the characteristic part of the payment data processing system according to the present invention will be described with respect to the conventional payment agency system.

  As shown in FIG. 2, the conventional payment agency system files all payment data in an arbitrary format output from an accounting system such as ERP into transfer data corresponding to the Zengin format, which is a standard format for transfer. Convert. At this time, payments to be paid to the same payee on the same date are added together to reduce the transfer fee, and transfer data on a combined basis is created. Also, all incidental data not included in the Zengin format is deleted at this conversion stage. Next, the account number included in the transfer data is classified into the data for transfer and the data for netting using the key as the key, the transfer data is sent to the bank system as a transfer instruction, and the netting data is also composed of the same items as the transfer data Is transmitted to the cash pool system of the controlling company or the like.

  On the other hand, as shown in FIG. 3, the payment data processing system according to the present invention acquires payment data in an arbitrary format from an accounting system such as ERP, and converts the payment data before converting it into a standard format. Are classified into transfer data and netting data. After that, the transfer data is created by adding the payments to be paid to the same payee on the same date as the conversion to the standard format, and is transmitted to the bank system as a transfer instruction. On the other hand, for data for netting, information acquired from the designated item of payment data is added as additional information to create netting data, which is transmitted to a cash pool system such as a managing company. Netting data is not summed up even if payments are paid to the same payee on the same date.

  In another embodiment of the payment data processing system according to the present invention, the payment data and the netting data are similarly classified for payment data in an arbitrary format acquired from an accounting system such as ERP. Transfer data corresponding to a standard format for transfer is created for all payment data, and additional data may be added to the transfer data for those classified as data for netting. In yet another embodiment, the payment data and the netting data are similarly classified for payment data in an arbitrary format acquired from an accounting system such as ERP. It is also possible to create netting data in which additional data is added to the transfer data corresponding to the standard format, and delete the additional data from the netting data for those classified as data for transfer.

  The configuration of the payment data processing system according to the present invention will be described with reference to FIG. In FIG. 1, a payment data processing system 10 according to the present invention includes a payment data receiving unit 11, a payment data storage unit 12, a payment method specifying unit 13, an account information storage unit 14, a transfer data creation unit 15, and a netting data creation unit 16. The editing rule storage unit 17 and the editing rule registration unit 18 are configured to be operated from the operation terminal 19. Note that the payment data receiving unit 11, the payment method specifying unit 13, the transfer data creating unit 15, the netting data creating unit 16, and the editing rule registering unit 18 are not physically separated, and the payment data processing system 10 It is common to realize the functions of each unit by storing programs that execute the respective functions in the hard disk of the computer that constitutes, and reading these programs into the main memory or the like and executing processing corresponding to the respective units. It is.

  When payment data relating to a case requiring payment processing is read from the ERP 20, the payment data receiving unit 11 of the payment data processing system 10 receives these data and stores them in the payment data storage unit 12. This payment data is accepted in any file format, and as shown in the example of Fig. 4, in addition to the transfer destination and transfer amount necessary for creating transfer data in the Zengin format, the record provided for each payment item In addition, fields for recording incidental information such as departments and details are provided.

  The payment data stored in the payment data storage unit 12 is read by the payment method specifying unit 13 when a due date that requires payment processing approaches, and is transferred to the transfer data used for the transfer processing and the netting data used for the netting processing. being classified. The account information storage unit 14 stores a table in which the type of payment method of transfer or netting defines an association corresponding to a bank code, a branch code, and an account number of a payee that specifies a payee. With reference to the table, the payment method corresponding to the bank code, branch code, and account number specified in each payment data is specified.

  For payment data classified as transfer data, the transfer data creation unit 15 converts the data format in accordance with the Zengin format, which is the standard format for transfer processing. At this time, data necessary for the Zengin format is obtained from the corresponding field of the payment data, but fields that do not have items corresponding to the Zengin format are deleted at this point. Furthermore, for records with the same due date and transfer designated account, the transfer amounts are added together and combined into one record. FIG. 6 is an example of the transfer data corresponding to the Zengin format created in this way, and the first to fifth records in the example of payment data in FIG. 4 are added together and combined into one record.

  If the purpose is to reduce the transfer fee, the transfer data will be created as described above, but the user does not want to add it in consideration of the convenience of the application. In this case, it is possible to select non-summation in units of payment data. In this case, a list of payment data is acquired from the payment data storage unit 12 and displayed on the operation terminal 19, and the payment data selected by the operator indicates that non-total is selected in the non-total field. A flag is recorded. The transfer data creation unit 15 detects the flag of the non-summation field, and excludes it from the summation target when non-summation is selected.

  The transfer data created in this way is transmitted as a transfer request to the bank system 30 using a farm banking system or the like, and the bank system 30 executes a transfer process with the contents specified in the transfer data.

  On the other hand, for the payment data classified as data for netting, the data format is converted in accordance with the format corresponding to the cash pool system 40 that executes and manages the netting in the netting data creation unit 16. In this data conversion, even if the data is not used in the Zengin format, the data relating to the item selected by the user as additional information is included in a part of the netting data. Since there is no transfer fee for netting, summing up such as transfer data is not performed in consideration of convenience such as cancellation.

  7 and 8 are examples of netting data created in this way. FIG. 8 shows the sixth to eighth records in the example of payment data in FIG. 4, and FIG. 9 shows an example of the payment data in FIG. Each corresponds to the ninth and tenth records. In this example, since two different payment companies are included in the payment data, netting data is created for each payment company.

  The netting data shown in FIGS. 7 and 8 includes two types of additional information in addition to the EDI information that can be included in the all-silver format. These are obtained from the details of the payment data and the field of the department, and the payee can easily identify the department in charge of the other party and the accounting account item by referring to the additional information.

  As described above, the user can arbitrarily select what item to specify for the additional information added to the netting data. That is, each item of the field provided in the record of payment data stored in the payment data storage unit 12 is displayed on the operation terminal 19, and an item to be selected as additional information from the operation terminal 19 is edited by the edit rule registration unit 18. Accept. Such selection is stored in the edit rule storage unit 17. In the editing rule storage unit, items to be selected as additional information are stored as editing rules for netting data based on payers and payees.

  The netting data creation unit 16 refers to the editing rule storage unit 17 when creating the netting data, identifies the items specified corresponding to the payment company, the account number of the payee, etc., and is included in the items related to the payment data Information to be added to the netting data as additional information. The netting data created in this way is transmitted to the cash pooling system 40, and the cash pooling system 40 executes reassignment of accounts such as deposits with the contents specified in the netting data.

  In the description so far, the method of directly creating the transfer data and netting data from the payment data has been described. However, in the present invention, the data used for the Zengin format is used as the transfer data for all the payment data. It is also possible to select and create netting data by adding additional data based on the transfer data. In this configuration, the payment method specifying unit 13 specifies a payment method of transfer or netting, specifies an item of data used for the transfer data with reference to the edit rule storage unit 17, and includes the item from the payment data. Create transfer data with only selected data.

  The transfer data creation unit 15 adds the data not selected for non-summation among the above-mentioned transfer data, and creates the transfer data to be transmitted to the bank system 30. The presence / absence of non-total selection is confirmed by a flag indicating the non-total selection included in the payment data. The netting data creation unit 16 refers to the editing rule storage unit 17 to identify an item specified in accordance with the payment company, the account number of the payee, and the information included in the item of the payment data is added information. Is added to the transfer data before the above summation is performed, and netting data is created.

  In the present invention, for all payment data, the data used for the transfer data and the additional data added to the transfer data are selected from the payment data as the netting data, and the transfer data and the netting are based on the netting data. It can also be configured to create data. In this configuration, the payment method specifying unit 13 specifies a payment method of transfer or netting, specifies an item of data used for transfer data or netting data with reference to the edit rule storage unit 17, and starts from the payment data. Netting data is created by selecting only the data included in the item.

  The transfer data creation unit 15 deletes items that are not included in the Zengin format from the netting data, and creates the transfer data by adding the data not selected for non-summation. The presence / absence of non-total selection may be confirmed by a flag indicating selection of non-total addition included in the payment data, or the presence / absence of the flag may be included as part of the netting data. The netting data creation unit 16 may use the netting data as it is as netting data to be transmitted to the cache pooling system 40 as it is, or creates the netting data by changing the data format so that the cache pooling system 40 can accept it. It is good to do.

  FIG. 5 shows an example of netting data selected from the payment data. Additional information for netting data is added based on the data format of the Zengin format, and the transfer data creation unit 15 creates the transfer data by deleting the additional data in the right two columns.

  The processing flow of the first embodiment and the second embodiment of the payment data processing system according to the present invention will be described using the flowcharts of FIGS. 9 to 13 as compared with the processing flow in the conventional payment data processing. To do.

  The flowcharts of FIGS. 9 and 10 show a processing flow in the conventional payment data processing. In conventional payment data processing, first, payment data in an arbitrary format is converted into a Zengin format using a file conversion system. In other words, as shown in the flow of FIG. 9, when payment data in an arbitrary format is acquired from an accounting system such as ERP (S01), data necessary for creating transfer data in accordance with the Zengin format, which is a standard format for bank transfer, is obtained. Is selected (S02), the transfer amounts applied to the same transfer destination are added together (S03), and transfer data is created (S04).

  Next, using the transfer data converted to the Zengin format as described above, the payment agent system issues instructions for transfer and netting in order to execute payment settlement. That is, as shown in the flow of FIG. 10, when transfer data is accepted (S05), a transfer destination account is specified from the transfer data (S06), and whether or not the transfer destination account is an account designated as a netting target is set as an account number. Confirm with the key (S07). If it is a netting target, transfer data corresponding to the Zengin format is transmitted as a netting instruction to the cash pooling system or the like (S08). If it is not a netting target, since the transfer data is already compatible with the Zengin format, a transfer instruction is transmitted as it is through the farm banking system or the like (S09).

  In this way, in the conventional payment data processing method, since transfer data corresponding to the Zengin format is used for netting, the data of the same transfer destination has been added up and is not included in the Zengin format. There is a problem that information cannot be added.

  FIG. 11 shows a processing flow of the first embodiment of the payment data processing system according to the present invention. When payment data in an arbitrary format is acquired from an accounting system such as ERP (S11), a transfer destination account is specified from the payment data (S12), and whether the transfer destination account is an account designated as a netting target or not The number is confirmed with the key (S13).

  If it is a netting target, the data necessary for creating the netting data is selected from the payment data, and the netting data is selected (S14). The netting data includes additional data not included in the transfer data in the Zengin format. Is created (S15). The created netting data is transmitted to the cash pooling system or the like as a netting instruction (S16).

  On the other hand, if it is not a netting target, data required for creating transfer data according to the Zengin format, which is a standard format for bank transfer, is selected from the payment data (S17). The data selected here does not include additional data added as netting data. From the selected data, the transfer amount for the same transfer destination is added (S18) to create transfer data (S19), and a transfer instruction is transmitted through the farm banking system or the like (S20).

  FIG. 12 shows a processing flow of the second embodiment of the payment data processing system according to the present invention. When payment data in an arbitrary format is obtained from an accounting system such as ERP (S21), the data required for creating the transfer data according to the Zengin format, which is the standard format for bank transfer, is selected, and the transfer data is selected. Create (S22). Next, a transfer destination account is specified from the selected data (S23), and it is confirmed using the account number as a key whether the transfer destination account is an account designated as a netting target (S24).

  If it is a netting target, netting data to which additional data not included in the transfer data in the Zengin format is added is created using the transfer data (S25). The created netting data is transmitted to the cash pooling system or the like as a netting instruction (S26).

  On the other hand, if it is not a netting target, the transfer destination is specified from the transfer account of the transfer data, the transfer amount of the transfer data applied to the same transfer destination is summed (S27), and the transfer data for transmission to the bank system (S28), and a transfer instruction is transmitted through the farm banking system or the like (S29).

  FIG. 13 shows a processing flow of the third embodiment of the payment data processing system according to the present invention. When payment data in an arbitrary format is acquired from an accounting system such as ERP (S31), it is added to the netting data necessary for creating transfer data in accordance with the Zengin format, which is the standard format for bank transfers. Additional data is selected and netting data is created (S32). Next, a transfer destination account is specified from the selected data (S33), and it is confirmed using the account number as a key whether the transfer destination account is an account designated as a netting target (S34).

  If it is a netting target, the selected data is sent as netting data for specifying the contents of the netting instruction to the cash pooling system or the like as a netting instruction (S35). The netting data sent to the cash pooling system etc. is sent after being converted into the data format required by the destination cash pooling system etc. It may be done.

  On the other hand, if it is not a netting target, additional data that cannot be included in the Zengin format, which is the standard format for bank transfer, is deleted from the netting data (S36). Subsequently, the transfer destination is specified from the transfer account included in the netting data, and the transfer amount for the same transfer destination is added up (S37) to create the transfer data for transmission to the bank system (S38). A transfer instruction is transmitted through a banking system or the like (S39).

  The processing flow pattern of the payment data processing system according to the present invention is not limited to the above three embodiments. For example, in the first stage, it does not apply to any data format from payment data to transfer data or netting data, but any data including items required for both is selected and deleted or added to any selected data It is also possible to process by other procedures such as creating transfer data and netting data by performing the above process.

It is a block diagram which shows the structure of the payment data processing system concerning this invention. It is a figure which shows the outline | summary of the conventional payment agency system. It is a figure which shows the outline | summary of the payment data processing system concerning this invention. It is an example of the payment data used in the payment data processing system concerning this invention. It is an example of the selection data selected from payment data in the payment data processing system concerning this invention. It is an example of the transfer data created in the payment data processing system concerning this invention. It is a 1st example of the netting data produced in the payment data processing system concerning the present invention. It is a 2nd example of the netting data produced in the payment data processing system concerning the present invention. It is a 1st flowchart which shows the processing flow in the process of the conventional payment data. It is a 2nd flowchart which shows the processing flow in the process of the conventional payment data. It is a flowchart which shows the processing flow of 1st Embodiment by the payment data processing system concerning this invention. It is a flowchart which shows the processing flow of 2nd Embodiment by the payment data processing system concerning this invention. It is a flowchart which shows the processing flow of 3rd Embodiment by the payment data processing system concerning this invention. It is a figure which shows an example of the fund settlement by netting.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Payment data processing system 11 Payment data reception part 12 Payment data storage part 13 Payment method specific part 14 Account information storage part 15 Transfer data creation part 16 Netting data creation part 17 Edit rule storage part 18 Edit rule registration part 19 Operation terminal 20 ERP
30 Banking system 40 Cash pool system

Claims (13)

A payment data processing system for creating transfer data and netting data from payment data,
Payment data storage means for storing payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination;
A payment method storage means for storing a payment method of either transfer or netting determined for each payee in association with the payee information;
With reference to the payment method storage means, payment method specifying means for specifying the payment method of the payment data as either transfer or netting with the payment destination information as a key;
For the payment data whose payment method is specified as transfer by the payment method specifying means, the payment data is converted into a format specified in the transfer processing system, and transfer data including at least the payee information and the payment amount is created. Transfer data creation means to perform,
A transfer data transmitting means for transmitting the transfer data created by the transfer data creating means to the transfer processing system;
In creating the netting data, as an item for acquiring additional information added to the transfer information included in the transfer data, additional information item storage means for specifying and storing a specific item included in the payment data;
With reference to the additional information item storage means, additional information acquisition means for acquiring additional information added to the netting data from a specific item included in the payment data;
For the payment data whose payment method is specified as netting by the payment method specifying means, the additional information acquired by the additional information acquisition means is added to the transfer information and converted into a format that can be used in the netting processing system. Netting data creation means for creating data;
Netting data transmitting means for transmitting the netting data created by the netting data creating means to the netting processing system,
The transfer data transmission means creates a transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, and transfers the transferred transfer data to the transfer data A payment data processing system, characterized by being transmitted to a processing system. A payment data processing system for creating transfer data and netting data from payment data,
Payment data storage means for storing payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination;
A payment method storage means for storing a payment method of either transfer or netting determined for each payee in association with the payee information;
With reference to the payment method storage means, payment method specifying means for specifying the payment method of the payment data as either transfer or netting with the payment destination information as a key;
Transfer data creation means for converting the payment data into a format specified in the transfer processing system and creating transfer data including at least the payee information and the payment amount;
For payment data whose payment method is specified as transfer by the payment method specifying means, transfer data transmitting means for transmitting the transfer data created by the transfer data creating means to the transfer processing system,
In creating the netting data, as an item for acquiring additional information added to the transfer data, additional information item storage means for specifying and storing a specific item included in the payment data;
With reference to the additional information item storage means, additional information acquisition means for acquiring additional information added to the netting data from a specific item included in the payment data;
For the payment data whose payment method is specified as netting by the payment method specifying means, the additional information acquired by the additional information acquisition means is added to the transfer data created by the transfer data creation means and used in the netting processing system. Netting data creation means for creating netting data by converting to a format that can be
Netting data transmitting means for transmitting the netting data created by the netting data creating means to the netting processing system,
The transfer data transmission means creates a transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, and transfers the transferred transfer data to the transfer data A payment data processing system, characterized by being transmitted to a processing system. A payment data processing system for creating transfer data and netting data from payment data,
Payment data storage means for storing payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination;
A payment method storage means for storing a payment method of either transfer or netting determined for each payee in association with the payee information;
With reference to the payment method storage means, payment method specifying means for specifying the payment method of the payment data as either transfer or netting with the payment destination information as a key;
In creating the netting data, as an item for acquiring additional information added to the transfer information included in the transfer data, additional information item storage means for specifying and storing a specific item included in the payment data;
With reference to the additional information item storage means, additional information acquisition means for acquiring additional information added to the transfer information in the creation of the netting data from a specific item included in the payment data;
Netting data creating means for creating netting data by adding the additional information obtained by the additional information obtaining means to the transfer information and converting it into a format that can be used in a netting processing system;
For the payment data whose payment method is specified as transfer by the payment method specifying means, the additional information is deleted from the netting data created in the netting data creating means, and converted into a format specified in the transfer processing system, A transfer data creating means for creating transfer data including at least the payee information and the payment amount;
A transfer data transmitting means for transmitting the transfer data created by the transfer data creating means to the transfer processing system;
Netting data transmitting means for transmitting the netting data created by the netting data creating means to the netting processing system for payment data whose payment method is identified as netting by the payment method identifying means,
The transfer data transmission means creates a transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, and transfers the transferred transfer data to the transfer data A payment data processing system, characterized by being transmitted to a processing system. The payee information is a deposit account number that the payee designates as a transfer destination of the payment amount,
In the payment method storage means, a payment method is specified in association with the deposit account number,
4. The payment data processing system according to claim 1, wherein the transfer data transmission means creates payment data by collecting payment data having the same deposit account number. An item list transmitting means for transmitting a list of at least a part of items included in the payment data in order to cause a terminal device operated by an operator of the payment data processing system to select an item corresponding to the additional information;
An additional information item registration unit that accepts an item selected from the list from the terminal device and registers it in the additional information item storage unit as an item for acquiring the additional information;
The payment data processing system according to claim 1, further comprising: The payment data includes the presence / absence of non-summation selection that does not sum the payment amount even if the payment method is transfer even if the payment is to the same payee,
When the transfer data transmission means detects that the non-addition is selected from the payment data, the transfer data corresponding to the payment data is combined with other transfer data having the same payee information and the payment amount The payment data processing system according to any one of claims 1 to 5, wherein the payment data is transmitted to the transfer processing system as one transfer data without performing the process. A list of at least a part of payment data stored in the payment data storage means for causing the terminal device operated by the operator of the payment data processing system to select the payment data for selecting the non-summation to the operator. Payment data list transmission means for transmitting
The terminal device receives information for identifying the payment data for which the non-total is selected from the list, and adds the non-total to the payment data corresponding to the information for identifying the payment data stored in the payment data storage means. A non-additional selection registration means for registering the selection of
The payment data processing system according to claim 6, further comprising: A payment data processing program for creating transfer data and netting data from payment data,
Receiving payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
With reference to a payment method storage unit that stores either payment or netting payment methods determined for each payee in association with the payee information, the payment method of the payment data is set using the payee information as a key. Identifying either transfer or netting;
For payment data whose payment method is specified as transfer, converting the payment data into a format specified in the transfer processing system, and creating transfer data including at least the payee information and the payment amount;
Transmitting the transfer data to the transfer processing system;
In creating the netting data, refer to an additional information item storage unit that specifies and stores a specific item included in the payment data as an item for acquiring additional information added to the transfer information included in the transfer data. Obtaining additional information added to the netting data from a specific item included in the payment data;
A step of acquiring the additional information to the transfer information for the payment data whose payment method is specified as netting, adding the acquired additional information, converting the payment information into a format that can be used in a netting processing system, and generating netting data When,
Transmitting the netting data to the netting processing system;
A program for executing
In the step of transmitting the transfer data, for a plurality of transfer data having the same payee information, the payment amount included in the transfer data is added to create one transfer data, and the combined transfer data Is transmitted to the said transfer processing system, The payment data processing program characterized by the above-mentioned. A payment data processing program for creating transfer data and netting data from payment data,
Receiving payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
With reference to a payment method storage unit that stores either payment or netting payment methods determined for each payee in association with the payee information, the payment method of the payment data is set using the payee information as a key. Identifying either transfer or netting;
Converting the payment data into a format specified in the transfer processing system to create transfer data including at least the payee information and the payment amount;
Sending the transfer data to the transfer processing system for payment data whose payment method is specified as transfer;
In creating the netting data, as an item for acquiring additional information added to the transfer data, refer to an additional information item storage unit that specifies and stores a specific item included in the payment data. Obtaining additional information to be added from a specific item included in the payment data;
For the payment data whose payment method is specified as netting, the additional information acquired in the step of acquiring the additional information can be added to the transfer data generated in the step of generating the transfer data, and used in the netting processing system. Converting to a format and creating netting data;
Transmitting the netting data to the netting processing system;
A program for executing
In the step of transmitting the transfer data, for a plurality of transfer data having the same payee information, the payment amount included in the transfer data is added to create one transfer data, and the combined transfer data Is transmitted to the said transfer processing system, The payment data processing program characterized by the above-mentioned. A payment data processing program for creating transfer data and netting data from payment data,
Receiving payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
With reference to a payment method storage unit that stores either payment or netting payment methods determined for each payee in association with the payee information, the payment method of the payment data is set using the payee information as a key. Identifying either transfer or netting;
In creating the netting data, refer to an additional information item storage unit that specifies and stores a specific item included in the payment data as an item for acquiring additional information added to the transfer information included in the transfer data. Obtaining additional information added to the netting data from a specific item included in the payment data;
Adding the additional information acquired in the step of acquiring the additional information to the transfer information, converting to a format that can be used in a netting processing system, and creating netting data;
For payment data whose payment method is specified as transfer, the additional information is deleted from the netting data, converted into a format specified in the transfer processing system, and transfer data including at least the payee information and the payment amount A step to create,
Transmitting the transfer data to the transfer processing system;
Sending the netting data to the netting processing system for payment data whose payment method is identified as netting;
A program for executing
In the step of transmitting the transfer data, for a plurality of transfer data having the same payee information, the payment amount included in the transfer data is added to create one transfer data, and the combined transfer data Is transmitted to the said transfer processing system, The payment data processing program characterized by the above-mentioned. A payment data processing method for creating transfer data and netting data from payment data,
A payment data processing system accepting payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
The payment data processing system refers to a payment method storage unit that stores a transfer method or a netting payment method determined for each payee in association with the payee information, and uses the payee information as a key. Identifying the payment method of the payment data as either transfer or netting;
The payment data processing system converts the payment data into the format specified in the transfer processing system for the payment data whose payment method is specified as transfer, and transfers the payment data including at least the payment destination information and the payment amount. A step to create,
The payment data processing system transmitting the transfer data to the transfer processing system;
An addition in which the payment data processing system designates and stores a specific item included in the payment data as an item for acquiring additional information added to the transfer information included in the transfer data in the creation of the netting data With reference to the information item storage unit, obtaining additional information added to the netting data from a specific item included in the payment data;
The payment data processing system adds the additional information acquired in the step of acquiring the additional information to the transfer information for the payment data whose payment method is specified as netting, and converts the payment information into a format that can be used in the netting processing system. Creating netting data,
The payment data processing system transmitting the netting data to the netting processing system;
Is a method of executing
In the step of transmitting the transfer data, the payment data processing system creates one transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, A payment data processing method, comprising: transmitting the combined transfer data to the transfer processing system. A payment data processing method for creating transfer data and netting data from payment data,
A payment data processing system accepting payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
The payment data processing system refers to a payment method storage unit that stores a payment method of transfer or netting determined for each payee in association with the payee information, and uses the payee information as a key. Identifying the payment method of the payment data as either transfer or netting;
The payment data processing system converts the payment data into a format specified in the transfer processing system to create transfer data including at least the payee information and the payment amount;
The payment data processing system, for payment data for which the payment method is specified as transfer, transmitting the transfer data to the transfer processing system;
In the creation of the netting data, the payment data processing system has an additional information item storage unit for specifying and storing a specific item included in the payment data as an item for acquiring additional information added to the transfer data Referring to obtaining additional information to be added to the netting data from a specific item included in the payment data;
The payment data processing system adds the additional information acquired in the step of acquiring the additional information to the transfer data created in the step of creating the transfer data for the payment data whose payment method is specified as netting, and netting Converting to a format that can be used in a processing system to create netting data;
The payment data processing system transmitting the netting data to the netting processing system;
Is a method of executing
In the step of transmitting the transfer data, the payment data processing system creates one transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, A payment data processing method characterized by transmitting the combined transfer data to the transfer processing system. A payment data processing method for creating transfer data and netting data from payment data,
A payment data processing system accepting payment data including at least payment destination information for specifying a payment destination and a payment amount to the payment destination, and storing the payment data in a payment data storage unit;
The payment data processing system refers to a payment method storage unit that stores a transfer method or a netting payment method determined for each payee in association with the payee information, and uses the payee information as a key. Identifying the payment method of the payment data as either transfer or netting;
An addition in which the payment data processing system designates and stores a specific item included in the payment data as an item for acquiring additional information added to the transfer information included in the transfer data in the creation of the netting data With reference to the information item storage unit, obtaining additional information added to the netting data from a specific item included in the payment data;
The payment data processing system adds the additional information acquired in the step of acquiring the additional information to the transfer information, converts the data into a format that can be used in a netting processing system, and creates netting data;
The payment data processing system deletes the additional information from the netting data for the payment data whose payment method is specified as transfer, converts the additional information into a format specified in the transfer processing system, and converts the payee information and the payment Creating transfer data that includes at least the amount of money;
The payment data processing system transmitting the transfer data to the transfer processing system;
The payment data processing system sends the netting data to the netting processing system for payment data for which the payment method is identified as netting;
Is a method of executing
In the step of transmitting the transfer data, the payment data processing system creates one transfer data by adding the payment amounts included in the transfer data for a plurality of transfer data having the same payee information, A payment data processing method characterized by transmitting the combined transfer data to the transfer processing system.