JP2006215666A - Electronic draft management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic draft management system at low cost that is capable of making the range of distribution of electronic drafts wider than usual. <P>SOLUTION: The electronic draft management system comprises a bank draft management server 1 provided in a financial institution and a credit company draft management server 2 provided in a credit company that deals with the financial institution. The bank draft management server 1 stores electronic draft information showing the amount of each electronic draft, the date of payment, and its drawer, and implements a settlement process for settling an electronic draft by implementing a process for withdrawing the amount shown in the electronic draft information of the electronic draft from the drawer's account on and after the date of payment, and a process for remitting the amount to the credit company. A second processing system accepts the designation of an account for the payee of the electronic draft to receive the amount of the electronic draft. If a first processing system has normally implemented the settlement process for the electronic draft, the second processing system implements a process for remitting the amount of the electronic draft to the designated account of the electronic draft. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a system for managing electronic bills using a computer.

  Conventionally, a system for electronically performing financial transactions without using paper certificates has been proposed and realized. For example, according to a system called “Internet banking”, a user operates a mobile terminal or a personal computer without using a bankbook to make transfers, transfers, various deposits, and borrowing funds via the Internet. Can do. In addition, according to a system called “net securities” or the like, the user can buy and sell stocks via the Internet without paper stock certificates.

  As for bills, as described in Non-Patent Documents 1 to 3, a system for electronically transacting without a paper certificate has been proposed. Bills that are traded in this way are generally called “electronic bills”.

A note is a security that states the right to receive a fixed amount of cash from the maker on the due date. Instead of receiving cash directly from the drawer, the owner of the note may receive it through a financial institution such as a bank or credit union entrusted by the drawer. Also, a person who receives a bill from the maker can transfer it to a third party. That is, bills circulate like other securities such as checks, stock certificates, bonds and the like.
"About electronic bill service", Shinchu Central Bank, Corporate Planning Department, Researcher, Masato Ogawa, January 15, 2004 Published by Japan Agricultural Corporation Association, Internet <URL: http://www.hojin.or.jp/agbiz/ 2003 / agbiz00181.pdf> “Outline of Electronic Bill Transaction System”, Shinchukin Bank, [Search January 21, 2005], Internet <URL: http://www.shinkin.co.jp/scb/info/news/news22_1.pdf > "Outline of electronic bill transaction system (draft)-E-commerce support for small and medium enterprises", Shinchuan Bank, [Search on January 21, 2005], Internet <URL: http://www.shinkin.co.jp /scb/ir/denshitegata.pdf>

  According to the conventional electronic bill system, if the user has opened a checking account at a financial institution to which the electronic bill system is applied, the electronic bill can be issued and entrusted to the financial institution. .

  However, the drawn electronic bills can only be traded electronically only between users who have opened an account at a financial institution to which the electronic bill system is applied. For example, according to the electronic bill system described in the publicly known document shown above, the electronic bill can be traded only between users who have opened an account in a credit union which is a member of the electronic bill system.

  Therefore, in order to expand the distribution range of electronic bills, the number of financial institutions participating in the electronic bill system must be increased. A system for using the electronic bill system has to be set up for each newly participating financial institution, which entails enormous costs.

  Also, if the financial institution that you want to participate in already has its own electronic bill system, it is possible to make both electronic bill systems common. However, for that purpose, it is necessary to consider from the overall configuration to the detailed configuration such as the system configuration, the database configuration, and the user interface, which requires a very hard work. As a result, the cost increases.

  The present invention has been made in view of such problems, and an object of the present invention is to realize an electronic bill management system that can expand the distribution range of electronic bills more than ever before at a low cost.

  In the electronic bill management system according to the present invention, a first processing system is provided in a financial institution, and a second processing system is provided in a credit sales company that has a transaction with the financial institution. Stores the electronic bill information indicating the amount of the electronic bill, the due date, and the originator of the electronic bill in which the person who has opened an account with the financial institution is the drawer and the person who has not opened the account with the financial institution is the recipient Electronic bill information storage means, and a settlement process for settlement of the electronic bill, a process for withdrawing money of the amount indicated in the electronic bill information of the electronic bill from the depositor's deposit after the due date and Electronic bill settlement processing means, which is executed by executing processing for remittance of the money of the amount to the credit sales company, and the second processing system is a money of the amount of the electronic bill And a designation receiving means for accepting designation of a receiving account, which is an account for the recipient of the electronic bill, and when the settlement processing of the electronic bill is normally executed in the first processing system, And a transfer processing means for executing a process for transferring money of the amount of the electronic bill to the receiving account according to the designation of the electronic bill.

  In order to distribute the electronic bills to persons other than the first recipient, it is preferable to configure as follows. That is, when there is an offer to change the recipient of the electronic bill, the designation receiving means newly accepts the designation of the receiving account of the recipient after the change of the electronic bill as the designation. The transfer processing means is configured to perform processing for transferring money of the amount of the electronic bill to the receiving account relating to the latest designation of the electronic bill.

  ADVANTAGE OF THE INVENTION According to this invention, the electronic bill management system which can expand the distribution range of an electronic bill than before can be implement | achieved at low cost.

  1 is a diagram showing an example of a network configuration including an electronic bill management system ENS according to the present invention, FIG. 2 is a diagram showing an example of a hardware configuration of a bank bill management server 1, and FIG. 3 is a function of the bank bill management server 1. FIG. 4 is a diagram illustrating an example of a functional configuration of the credit sales company bill management server 2.

  As shown in FIG. 1, an electronic bill management system ENS according to the present invention includes a bank bill management server 1, a credit sales company bill management server 2, and the like. The bank bill management server 1 and the credit sales company bill management server 2 are connected to each other by a communication line 3. As the communication line 3, a dedicated line, a public line, the Internet, or the like is used.

  The electronic bill management system ENS has various services, such as a service for managing deposit accounts such as checking and savings deposits of customers such as individuals or companies, a service for entrusting bills issued by customers, and a service for lending funds to customers. Used for financial institutions such as banks or credit unions that provide financial services. According to the electronic bill management system ENS, bills can be handled electronically without a paper certificate. Such a bill is generally called an “electronic bill”. In addition, the recipient of the bill (electronic bill) entrusted by the customer to the financial institution (sometimes called “Bill Name” or “Name”) does not have an account with the financial institution. Can also make payments to the payee at the time of electronic bill settlement.

  The bank bill management server 1 is provided for each financial institution to which the service by the electronic bill management system ENS is applied. The credit sales company bill management server 2 is provided in a credit card company (so-called credit sales company) that issues credit cards to customers.

  The bank bill management server 1 is connected to an existing deposit account management system that manages an account such as a checking account or a savings account of a customer. Further, it is possible to communicate with a terminal device TL such as a personal computer, a workstation, a PDA (Personal Digital Assistant), a mobile phone terminal, or a PHS (Personal Handy-phone System) terminal owned by the customer via the communication line 3. it can. The credit sales company bill management server 2 can communicate with the terminal device TR of the bill recipient via the communication line 3.

  As shown in FIG. 2, the bank note management server 1 includes a CPU 1a, a RAM 1b, a ROM 1c, a magnetic storage device 1d, and various interfaces. The ROM 1c and the magnetic storage device 1d include a bill issue request accepting unit 101, a bill issue processing unit 102, a bill registration requesting unit 103, a bill settlement processing unit 104, a customer information database DB 11, and an issue bill database DB 12 as shown in FIG. A computer program and data for realizing such functions are installed.

  The credit sales company bill management server 2 basically has the same hardware configuration as the bank bill management server 1. However, in the ROM and the magnetic storage device, a registration request reception unit 201, a payment information request unit 202, a bill information registration unit 203, a bill settlement request unit 204, a payment processing unit 205, a bill transfer request reception as shown in FIG. A computer program and data for realizing functions such as the unit 206 and the payment waiting-bills database DB21 are installed.

  1 and 2 show an example in which the bank bill management server 1 is configured by a single server machine, it may be configured by a plurality of devices. Or you may comprise by extending the software or hardware for implement | achieving the function shown in FIG. 3 to the existing bill management system. Similarly, the credit card company bill management server 2 may be constituted by a plurality of devices or by extending an existing system.

  5 is a diagram showing an example of the customer information database DB11, FIG. 6 is a diagram showing an example of the issuance bill database DB12, FIG. 7 is a diagram showing an example of the bill issuance request screen HG1, and FIG. 8 is an example of the payment waiting bill database DB21. FIG. 9 is a diagram showing an example of an electronic mail EM1, and FIG. 10 is a diagram showing an example of a necessary item input screen HG2.

  Hereinafter, the processing contents of each part of the bank bill management server 1 and the credit sales company bill management server 2 will be described by taking the case where the electronic bill management system ENS is applied to the bank A1 with which the credit sales company C1 is dealing.

  The bank A1 and the credit sales company C1 are provided with a bank bill management server 1 and a credit sales company bill management server 2, respectively.

  In FIG. 3, the customer information database DB11 of the bank bill management server 1 of the bank A1 stores customer information 71 for each customer who has opened a checking account in the bank A1, as shown in FIG. . The customer information 71 is input by operating a terminal device in the bank A1 in accordance with an application from the customer. Alternatively, an application Web server may be provided so that the customer can input by operating the terminal device TL.

  The “customer ID” of the customer information 71 is identification information for identifying the customer, and is used as an ID when transferring (issuing) an electronic bill described later. The “customer name” is the name of the customer (name or corporate name). The “password” is used to perform user authentication before the electronic bill issuing process. The “current number” is an account number of the current account opened by the customer in the bank A1.

  If the bank A1 already provides services such as online banking, an existing online banking database may be used as the customer information database DB11.

  In the issuance bill database DB12, as shown in FIG. 6, bill information 72 for each electronic bill issued (issued) by the customer is stored. The contents of the bill information 72 will be described later.

  The bill issuance request accepting unit 101 accepts a request for an electronic bill draft (issue) proxy process from a customer. The request is received by the following procedure, for example. The customer operates his / her terminal device TL to access the top page of the website of bank A1. Then, a proxy processing of the electronic bill draft is requested by clicking a button or a hyperlink.

  Then, the bill issue request acceptance unit 101 requests the customer to input a customer ID and a password. By verifying the entered customer ID and password against the customer information 71 of FIG. 5, it is authenticated whether or not the customer is the correct user. If the authentication is successful, screen data is transmitted to display the bill issue request screen HG1 as shown in FIG. 7 on the terminal device TL.

  Here, the user looks at the bill issue request screen HG1 displayed on the terminal device TL, and in the text boxes TX11 to TX15, the name or company name (recipient name) of the recipient of the electronic bill, and the electronic address of the contact person. Enter the email address (contact address), electronic bill amount, payment date (settlement date), and recipient confirmation key. The “recipient confirmation key” is a keyword used by the credit sales company bill management server 2 to authenticate the recipient. The customer inputs a payee confirmation key determined by himself and tells the payer of the payee confirmation key. Do not tell anyone other than the recipient. A specific method of using the recipient confirmation key will be described later. After entering all items, click the OK button BN11.

  Then, the terminal device TL transmits the input content to the bank bill management server 1 as bill issue request information 61. The bill issuance request accepting unit 101 receives the bill issuance request information 61 to accept a request for electronic bill issuance processing.

  When the bill issue request information 61 is received, the bill issuance processing unit 102 performs proxy processing for issuing an electronic bill as follows. Give a unique registration number to the electronic bill issued this time. The bill information 72 of the electronic bill is generated based on the bill issue request information 61 and the like. That is, the “recipient name”, “amount”, and “payment date” are extracted from the bill issue request information 61, and these information are extracted from the debtor (“payer”, “drawing” It may also be called “person” or “billing person”, etc.) In other words, it is associated with the customer ID of the customer who requested the issuance process this time and the registration number of the electronic bill, and by adding a payment flag, the bill Information 72 is generated. The “payment flag” indicates whether or not money corresponding to the electronic bill has been paid by the payer to the bank A1. The initial value is a value “not yet” which means that it has not been paid. In addition, the bill information 72 includes information such as the date of the electronic bill.

  Note that an electronic bill may be issued by operating an existing CD (Cash Dispenser) or ATM (Automatic Teller Machine) such as the head office or branch of the bank A1.

  Returning to FIG. 3, the bill registration request unit 103 requests the credit sales company bill management server 2 of the credit sales company C1 to perform the electronic bill registration process by transmitting the bill registration request information 62. The bill registration request information 62 includes the registration number, payer ID, amount, payment date, and payee name information (see FIG. 6) shown in the bill information 72 of the electronic bill, and the payer (customer) customer. Information such as the payer's own name shown in the information 71, that is, the customer name (see FIG. 5), and the recipient's contact address and recipient confirmation key (see FIG. 7) shown in the bill issue request information 61 are included. .

  In FIG. 4, in the payment waiting bill database DB21 of the credit sales company bill management server 2, as shown in FIG. 8, payment waiting bill information 81 for each issued electronic bill is stored. Each unit of the credit sales company bill management server 2 uses the settlement waiting bill information 81 to perform processing related to an unsettled electronic bill. The contents of the settlement waiting bill information 81 will be described later.

  The registration request receiving unit 201 receives a bill registration request information 62 from the bank bill management server 1 to receive a request for electronic bill registration processing. Then, the payment information requesting unit 202 makes a request to the recipient of the electronic bill based on the bill registration request information 62 to answer necessary items as follows, for example.

  A registration number, a recipient name, and a customer name are extracted from the bill registration request information 62, and an electronic mail EM 1 as shown in FIG. 9 is generated and transmitted to the contact address of the recipient indicated in the bill registration request information 62. .

  When the electronic bill recipient receives the electronic mail EM1 at his / her terminal device TR, the electronic bill recipient reads the content and clicks the hyperlink HL. Then, the payment information requesting unit 202 displays the necessary item input screen HG2 as shown in FIG. 10 on the terminal device TR.

  Here, the recipient designates a method of receiving money to be paid when the electronic bill is settled. If the user wishes to receive the payment by transfer to the payee's account, the financial institution and account number of the account are entered in the text boxes TX21 and TX22, respectively. The account may not be established at the bank (here, bank A1) that has issued the electronic bills. To receive cash directly from the credit sales company C1, click the check box CB21 to put a check mark, and leave the text boxes TX21 and TX22 blank. That is, the recipient can receive cash even if he / she does not have any financial institution account or through a credit sales company.

  Further, a recipient confirmation key previously taught by the electronic bill maker (payer) is entered in the text box TX23. Then, an OK button BN21 is clicked. Then, the terminal device TR transmits these contents as necessary information 63 to the credit sales company bill management server 2. In this way, the payment information request unit 202 acquires necessary information from the electronic bill recipient.

  In addition, by making it possible to perform an input operation using an existing CD or ATM, it is possible to become a recipient even if the account of the financial institution and the terminal device TR are not owned. In this way, anyone can become a recipient of the electronic bills that have been subject to the withdrawal process according to the present embodiment.

  The bill information registration unit 203 uses the credit bill company C1 to manage the electronic bill requested by the bank A1 to perform the registration process, and the settlement bill information 81 of the electronic bill is settled in the settlement bill database DB21. Processing for registration (storage) is performed (see FIG. 8). Such processing is performed as follows.

  It is checked whether or not the recipient confirmation key shown in the necessary item information 63 of the electronic bill matches the recipient confirmation key shown in the bill registration request information 62. That is, it is checked whether or not the recipient confirmation key inputted by the recipient matches the recipient confirmation key notified from the bank A1. If they do not match, it is determined that the person who operated the terminal device TR is an illegal recipient, and the current electronic bill issuing service is interrupted or stopped. If they match, it is determined that the recipient is a correct recipient and the registration process is continued.

  That is, the bill information registration unit 203 generates the electronic bill settlement payment bill information 81 based on the electronic bill bill registration request information 62 and the necessary item information 63 to be registered, and stores it in the settlement bill database DB21. Store. Thereby, the registration process of the electronic bill to the credit sales company C1 is completed.

  In the settlement note information 81, “reception method” indicates a method in which the recipient receives cash to be paid when the electronic bill is settled. When the payee specifies an account for transfer on the necessary item input screen HG2, the name of the financial institution and the account number of the account are stored. When a check mark is entered in the check box CB21, a value indicating that direct cash delivery is desired (for example, a value such as “direct delivery”) is stored.

  “Remittance flag” indicates whether or not the processing for remittance of the money related to the electronic bill from the bank A1 to the credit sales company C1 is completed. The “receipt flag” indicates whether or not money corresponding to the electronic bill has been received by the recipient. The initial values of “remittance flag” and “reception flag” are both “not yet”. The other items are the same as described with reference to FIGS. In addition, the settlement note information 81 includes information such as the date of withdrawal.

  The bill settlement request unit 204 performs the settlement process for the electronic bills managed by the credit sales company C1 (that is, the electronic bills registered in the settlement bill database DB21) whose due date has come. To the bank bill management server 1. That is, the bill settlement request unit 204 checks the “payment due date” date of the settlement bill information 81 of each electronic bill stored in the settlement bill database DB 21 every day, and extracts the electronic bill on which the due date has come. To do. Then, the settlement request information 64 indicating the extracted registration number of the electronic bill is transmitted to the bank bill management server 1 to request the settlement processing.

  In FIG. 3, when the bill settlement processing unit 104 of the bank bill management server 1 receives the settlement request information 64 from the credit sales company bill management server 2, it executes the electronic bill settlement processing as follows.

  The bill information 72 having the same registration number as the registration number indicated in the settlement request information 64 is searched from the issued bill database DB12 of FIG. The customer information 71 having the same customer ID as the payer ID indicated in the bill information 72 is searched from the customer information database DB11 of FIG. The bank A1 is then instructed to debit the amount indicated in the bill information 72 from the current account with the current account number indicated in the customer information 71 and transfer it to the credit sales company C1. Then, upon receiving the notification of the result that the withdrawal and the remittance are completed, the settlement completion information 65 indicating the registration number of the electronic bill is transmitted to the credit sales company bill management server 2 to indicate that the settlement processing is completed. Notice. Further, the “payment flag” in the bill information 72 is updated to “completed”.

  When the registration numbers of a plurality of electronic bills are indicated in the settlement request information 64, the same settlement process is executed for each electronic bill. Note that the bill settlement processing unit 104 may check instead of checking the bill settlement request unit 204 whether or not the payment due date has come.

  In FIG. 4, when the payment processing unit 205 of the credit sales company bill management server 2 receives the settlement completion information 65 of the electronic bill, the payment processing for paying the payee the amount of cash related to the electronic bill as follows: I do.

  The payment waiting bill information 81 having the same registration number as that shown in the payment completion information 65 is searched from the payment waiting bill database DB21 of FIG. The “remittance flag” in the settlement note information 81 is updated to “completed”, and the payment process is executed according to the receiving method indicated in the settlement note information 81.

  If the account number of the financial institution is shown as the receiving method, the financial amount is transferred so that the amount of cash is transferred to the account number by the method of transaction normally performed by the financial institution and the credit sales company C1. Ask the institution. Thereby, the payment process to the recipient of the electronic bill is completed. Then, the “receipt flag” in the settlement waiting bill information 81 is updated to “completed”, and the recipient is notified by e-mail or the like that the payment processing is completed.

  On the other hand, when “direct delivery” is indicated, cash is paid directly to the recipient who visited the credit sales company C1. For example, when the recipient visits the head office or branch of the credit sales company C1, the store clerk receives the registration number of the electronic bill and the recipient confirmation key from the recipient and inputs them to the terminal device in the store. Then, the payment processing unit 205 searches the payment waiting bill information 81 corresponding to the input registration number, and compares the input payee confirmation key with the input payee confirmation key, so that the visitor is correct. Check if you are a recipient. Further, based on the remittance flag and the receipt flag, it is confirmed that the remittance processing of the electronic bill has been executed and the recipient has not yet received payment.

  If it is confirmed that the recipient is the correct recipient, the remittance has been processed, and the recipient has not been received, the store clerk hands the amount of cash indicated in the settlement note information 81 to the recipient (visitor). . Then, the payment processing unit 205 updates the receipt flag to “completed” as in the case of account transfer.

  Instead of the store clerk performing an operation for payment processing, the recipient may use an existing CD or ATM.

  11 is a diagram showing an example of a bill transfer request screen HG3, FIG. 12 is a diagram showing an example of an email EM2, and FIG. 13 is a diagram showing an example of a necessary item input screen HG4.

  By the way, according to the electronic bill management system ENS, the recipient can transfer the electronic bill received from the drawing person to another person as in the case of the conventional paper bill. That is, electronic bills can be distributed.

  A recipient desiring to transfer the electronic bill (hereinafter referred to as “transfer applicant”) operates the terminal device TR to access the website of the credit card company bill management server 2 to perform the electronic bill transfer processing. The credit card company bill management server 2 is requested to execute it.

  Then, the bill transfer request receiving unit 206 in FIG. 4 displays a bill transfer request screen HG3 as shown in FIG. 11 on the terminal device TR.

  Here, the transfer applicant has the registration number of the electronic bill to transfer, the recipient confirmation key given by the person who gave the electronic bill (the person who issued the electronic bill to the transfer applicant), The name of the transfer destination and its contact address (e-mail address) are entered in the text boxes TX31 to TX34, respectively. Furthermore, in order to change the recipient confirmation key, a new recipient confirmation key is entered in the text box TX35. Then, an OK button BN31 is clicked. The terminal device TR transmits the input content as transfer process request information 66 to the credit sales company bill management server 2. Note that the transfer applicant tells the transfer recipient, that is, the transferee of the electronic bill, the new recipient confirmation key. Do not tell anyone other than the assignee. The check box CB31 will be described later. Here, the description will be made assuming that the check has not been performed.

  In this way, the bill transfer request accepting unit 206 accepts the content input on the bill transfer request screen HG3 as the transfer processing request information 66.

  When the transfer processing request information 66 is received, the payment information request unit 202 and the bill information registration unit 203 perform the following processing in order to change the registration contents of the electronic bill.

  The payment information request unit 202 generates an e-mail EM2 as shown in FIG. 12 based on the received transfer processing request information 66 and the like, and transmits it to the contact address of the transfer destination (transferee). However, if the “receipt flag” of the settlement note information 81 of the same registration number as the registration processing request information 66 is “completed”, the electronic bill to be transferred has already been settled and is sent to the recipient. Since the payment has been made, the transfer requester is notified that the transfer cannot be made, and the process ends.

  When the assignee receives the electronic mail EM2 at his terminal device TR, the assignee reads the content and clicks on the hyperlink HL. Then, the payment information requesting unit 202 displays the necessary item input screen HG4 as shown in FIG. 13 on the terminal device TR.

  Here, the transferee designates the method of receiving money to be paid when the electronic bill is settled in the text box TX41, TX42 or the check box CB41, and the recipient confirmation key taught by the transfer applicant is written in the text. Input in the box TX43 and click the OK button BN41. The method of specifying the receiving method is the same as that of the necessary item input screen HG2 of FIG. 10 described above. Then, the terminal device TR transmits these contents as necessary information 63 ′ to the credit sales company bill management server 2.

  When the necessary information 63 'is received, the bill information registration unit 203 determines whether or not the new recipient confirmation key input by the transfer applicant matches the recipient confirmation key indicated in the necessary information 63'. To check. If they do not match, it is determined that the person who operated the terminal device TR is an illegal assignee, and the current electronic bill transfer process is interrupted or stopped. If the two match, it is determined that the transferee is correct and the transfer process is continued.

  The bill information registration unit 203 searches the settlement bill information 81 stored in (registered in) the settlement bill database DB21 for the bill of exchange information 81 of the electronic bill transferred by the applicant who wants to transfer this time, and requests the transfer process. The contents are updated based on the information 66 and the necessary information 63 ′. In other words, the “recipient name” and “recipient confirmation key” in the settlement note information 81 are changed to the name of the transfer destination (transferee) and the new recipient confirmation key shown in the transfer processing request information 66, respectively. . The “receipt method” is changed to the contents (account number of the transferee or “direct delivery”) shown in the necessary information 63 ′. As a result, the name of the recipient of the electronic bill is changed (endorsed assignment), and the electronic bill transfer process is completed.

  The bank bill management server 1 receives a notification that the name has been changed from the credit sales company bill management server 2 and rewrites the recipient name in the bill information 72 (see FIG. 6) of the electronic bill.

  Even when the electronic bill is transferred from one party to the other party, the necessary procedure is performed by executing the process according to the procedure described above. The payment processing method is the same as that in the case where the electronic bill is not transferred, and a description thereof will be omitted.

  FIG. 14 is a diagram showing a modification of the settlement waiting bill database DB21. In the example described above, even if the electronic bill was transferred (transferred), the payer, that is, the debtor was not changed. However, if the credit of the electronic bill is low, the assignee is uneasy about whether or not he can receive payment at the time of settlement. Therefore, for example, as will be described below, processing for guaranteeing payment to the assignee is executed.

  The person who wants to transfer assigns a check mark by clicking the check box CB31 when inputting necessary items of the electronic bill to be transferred on the bill transfer request screen HG3 (see FIG. 11). Then, the bill information registration unit 203 in FIG. 4 describes a bill for guarantee (hereinafter referred to as “guaranteed electronic bill”) when the electronic bill cannot be settled (when the debt is not fulfilled). ). And the guarantee bill information 82 regarding the electronic bill for guarantee is produced | generated, and as shown in FIG. 14, it stores in payment settlement note database DB21.

  The contents of the guarantee bill information 82 are basically the same as the contents of the settlement bill information 81. That is, the person who is obligated to pay money, the person who has the right to receive (receivable), and the amount of money are shown.

  However, since the name of the payer (debtor) of the electronic bill for guarantee is the applicant for transfer, “payer ID” indicates the name or identification information of the applicant for transfer. As the “registration number”, a number (for example, a number obtained by adding a serial number to the registration number of the base electronic bill) that can be related to the registration number of the base electronic bill corresponding to the guarantee electronic bill is used. The “payment due date” may be the payment due date of the original electronic bill, but it may be possible to newly register the due date determined by discussion between the transfer applicant and the transferee.

  For example, it is assumed that the payment date of the electronic bill indicated in the settlement waiting bill information 81a has come. Then, the bill settlement request unit 204 requests the bank A1 to perform the remittance processing of the amount related to the electronic bill by executing the processing as described above. If the remittance process is successful, the obligations related to the electronic bill will be fulfilled, so the guarantee electronic bill corresponding to the electronic bill will be returned to the drawer (here “YY Corporation”), The guarantee bill information 82a is discarded.

  However, if the remittance process cannot be executed because the debit can not be deducted from the payer's checking account, the obligation related to the electronic bill will be defaulted. The debt will be fulfilled. That is, the payer shown in the guarantee bill information 82a, that is, “YY Corporation” must perform payment to the payee. The credit sales company bill management server 2 notifies the payer (debtor) and the payee (creditor) to that effect by e-mail or the like.

  15 and 16 are flowcharts for explaining an example of the overall processing flow of the bank bill management server 1 and the credit sales company bill management server 2.

  Next, refer to the flowchart for the overall processing flow of the bank bill management server 1 and the credit card company bill management server 2 until the electronic bill drawn by the business U1 which is one customer of the bank A1 is distributed and settled. To explain. It is assumed that the operators U2 and U3 appearing below do not have an account at the bank A1, but have opened an account at another bank or a credit union.

  In FIG. 15 and FIG. 16, when the bank bill management server 1 of the bank A1 receives a request from the business operator U1 to execute processing for the bill draft (# 101 in FIG. 15), Based on this, an electronic bill issuing process is executed (# 102). Thereby, the bill information 72 of the electronic bill is stored in the issuance bill database DB12 (see FIG. 6). Then, the credit card company bill management server 2 of the credit card company C1 is requested to execute the electronic bill registration process (# 103).

  After the electronic bill has been issued (issued) in the bank bill management server 1, the business operator U1 uses the electronic bill receiver confirmation key designated at the time of request as the business operator U2 who is the recipient of the electronic bill. I will tell you.

  Upon receipt of the registration request (# 201), the credit card company bill management server 2 of the credit card company C1 stores (registers) the payment bill information 81 of the electronic bill in the payment bill database DB21 (see FIG. 8) accordingly. (# 202). The business U2 who is the recipient of the electronic bill is requested to designate the receiving method (# 203), and the receiving method designated by the business U2 is added to the settlement bill information 81 (# 204, #). 205).

  Until the due date arrives (No in # 206), electronic bills can be distributed. For example, assume that the business operator U2 purchases a product from the business operator U3 and transfers the electronic bill received from the business operator U1 as the price (Yes in # 207).

  Then, the payee name of the electronic bill settlement bill information 81 is changed from the business operator U2 to the business operator U3 (# 208), and the fact that the name of the payee has been changed is reported to the bank bill management server 1. (# 209). In parallel with or before and after the processing of Steps # 208 and # 209, a request is made to specify the receiving method for the new recipient U3 (# 210), and the receipt specified by the operator U3 is received. The method is supplemented to the settlement note information 81 (# 211 and # 212). The transferee U3 is in charge of a guarantee for the guarantee when the electronic bill cannot be settled (when the debt is not fulfilled) in consultation with the transferor U2. Can issue electronic bills.

  When the bank bill management server 1 receives a report to the effect that the name of the payee has been changed (# 104), the bank bill management server 1 changes the payee name of the bill information 72 (see FIG. 6) of the electronic bill to the business operator U3 ( # 105).

  When the due date of the electronic bill arrives (Yes in # 206), the credit sales company bill management server 2 requests the bank bill management server 1 to execute the settlement processing of the electronic bill (# 212 in FIG. 16). ).

  When the bank bill management server 1 accepts the request from the credit sales company bill management server 2 (# 106), the bank bill management server 1 withdraws the deposit of the electronic bill from the account of the electronic bill drawer, that is, the business operator U1. Processing for remittance to the company C1 is performed (# 107). When the remittance process is normally performed (Yes in # 108), the payment flag of the bill information 72 of the electronic bill is updated to “Done” (# 109), and the credit card company C1 indicates that the settlement is normally completed. (# 110). If the remittance process is not performed normally (No in # 108), the credit sales company C1 is notified that the payment could not be made (# 110).

  When the credit card bill management server 2 receives a notification that the payment has been completed normally (Yes in # 213), the credit card bill management server 2 makes a transfer to the account of the current (that is, the latest) recipient of the electronic bill, etc. Then, a payment process for the money of the electronic bill is executed (# 214). Then, the recipient is notified by e-mail or the like that the payment process has been completed (# 215).

  If the payment could not be made (No in # 213), that fact is notified to the recipient (# 215). In this case, the payee cannot receive payment from the drawer. However, when the electronic bill for guarantee is issued from the business operator U2 to the business operator U3, and at that time, the business operator U2 issues a guarantee electronic bill to the business operator U3, the business operator U3 You can request payment.

  According to the present embodiment, the electronic bills issued by the bank A1 are credit card company bill management set up in the credit card company C1, even if the name of the recipient is not a bank A1 account. Payment processing at the time of settlement can be easily performed via the server 2.

  In other words, in general, most domestic banks or credit institutions such as credit unions do online transactions with most credit sales companies that operate services in the country. Therefore, only by installing the credit card company bill management server 2 in one or several credit card companies, it is possible to carry out electronic bill transactions even with those who have not opened an account in the bank A1. Thus, when the electronic bill is cashed, it can be easily paid to the recipient.

  Moreover, since it is not necessary to consider compatibility with electronic bill systems of other financial institutions, the electronic bill management system ENS can be easily designed, introduced, and operated. Moreover, compared with the case where the apparatus equivalent to the credit sales company bill management server 2 is installed for every other financial institution, the construction and operation costs can be reduced.

  In the present embodiment, the keyword determined by the maker or the transfer applicant is used as the recipient confirmation key. However, a digital certificate issued by a public certificate authority may be used.

  As with paper bills, electronic bills may be cashed before the due date. Therefore, the credit sales company bill management server 2 may perform the following processing.

  When the credit sales company bill management server 2 accepts from the payee that he / she wants to receive payment before the due date, together with the registration number of the electronic bill and the payee confirmation key, the clearing bill of payment in the clearing bill database DB21 of FIG. Referring to the information 81, it is confirmed that the recipient is the recipient and the receipt flag is “not yet”. Then, as in the case of paper bills, the cash equivalent to the discount from the face value of the electronic bill is paid to the recipient. The payment method is the same as the payment method according to the due date. After payment, the receipt flag of the settlement note information 81 is updated to “Done”. Thereafter, the credit sales company C1 immediately receives discounted cash from the bank A1 in exchange for the electronic bill. Alternatively, it is also possible to receive cash at the face value from the bank A1 on the payment date and use the discount as a profit.

  In this embodiment, the recipient is notified by e-mail that an electronic bill has been issued, but it may not be notified. In this case, the recipient receives the registration number together with the recipient confirmation key of the electronic bill from the drawer, and accesses the website of the credit sales company C1. Then, a predetermined web page is opened and a registration number is input, the necessary information input screen HG2 in FIG. 10 is opened, and necessary information may be input. Thereby, the payee can prevent personal information other than his / her name from being known to the maker and the bank A1.

  Information may be exchanged by telephone instead of electronic mail. In this case, in FIG. 7 and FIG. 11, a telephone number is input instead of an e-mail address as a contact address. In addition, the credit card bill management server 2 is provided with a well-known voice synthesis function and telephone automatic dialing function in place of the function of sending an e-mail, and the electronic bill is transferred or transferred by a telephone number input by the user. What is necessary is just to notify that there was.

  In addition, the electronic bill management system ENS, the credit card company bill management server 2, the configuration of the whole or each part of the communication line 3, the processing contents, the processing order, the contents of the database, and the like can be appropriately changed according to the spirit of the present invention. .

The following additional notes are disclosed with respect to the embodiment described above.
(Appendix 1) An electronic bill management system having a first processing system on the financial institution side and a second processing system on the credit sales company side,
The first processing system and the second processing system are connectable via a network,
The first processing system includes:
The electronic bill information indicating the amount of the electronic bill, the due date, and the originator of the electronic bill in which the person who has opened an account with the financial institution is the drawer and the person who has not opened the account with the financial institution is the recipient Storing electronic bill information storage means;
Settlement processing for the settlement of the electronic bill, processing for withdrawing money of the amount indicated in the electronic bill information of the electronic bill from the depositor's deposit after the due date and the money of the amount to the credit sales company Electronic bill settlement processing means that executes by executing processing for remittance,
The second processing system includes:
Designation accepting means for accepting designation of a receiving method for receiving the money of the electronic bill by the recipient of the electronic bill;
When the payment processing of the electronic bill is normally executed in the first processing system, the processing for paying the payee the money of the electronic bill based on the designation of the electronic bill is executed. Payment processing means
An electronic bill management system.
(Appendix 2) When there is an offer to change the recipient of the electronic bill,
The designation accepting unit newly accepts designation of a receiving method in which the recipient after the change of the electronic bill receives money of the amount of the electronic bill as the designation,
The payment processing means performs processing for payment based on the latest designation of the electronic bill;
The electronic bill management system according to appendix 1.
(Appendix 3)
The designation accepting unit accepts designation of an account of a money transfer destination of the amount of the electronic bill as the designation of the electronic bill,
The payment processing means executes a process for transferring money of the amount of the electronic bill to an account of a transfer destination related to the designation of the electronic bill;
The electronic bill management system according to Supplementary Note 1 or Supplementary Note 2.
(Appendix 4) The second processing system accepts the money of the electronic bill after the change if the settlement processing of the electronic bill cannot be executed when the electronic bill is submitted. A debt issuing means for executing a process for issuing a claim received by the person from the recipient before the change;
The electronic bill management system according to appendix 2.
(Appendix 5) The first processing system is
Contact notification means for notifying the second processing system of the contact information of the recipient of the electronic bill;
The second processing system includes:
Request processing means for performing a process for giving a request for the designation of the electronic bill to the contact information of the recipient of the electronic bill notified from the first processing system;
The electronic bill management system according to any one of appendix 1 to appendix 4.
(Appendix 6) If the recipient of the electronic bill requests that the amount of money be received before the due date,
The payment processing means executes a process for paying a payee the money of the electronic bill or the discounted money without waiting for the settlement process to be executed.
The electronic bill management system according to any one of appendix 1 to appendix 5.
(Appendix 7) A method of handling electronic bills in which a person who has opened an account with a financial institution is a drawer,
A first processing system is provided on the financial institution side, and a second processing system that can be connected to the first processing system via a network is provided on the credit sales company side.
In the first processing system,
The electronic bill information indicating the amount of the electronic bill, the due date, and the originator is stored,
Executing a settlement process including a process for withdrawing money of the amount indicated in the electronic bill information of the electronic bill from a depositor's deposit after the due date and a process for transferring the money of the amount to the credit sales company. ,
In the second processing system,
Executing a receiving process for receiving a designation of a receiving method for receiving the money of the electronic bill by the recipient of the electronic bill;
In the first processing system, when the settlement process of the electronic bill is normally executed, a process for paying the payee of the electronic bill based on the designation of the electronic bill is executed.
A method of handling electronic bills characterized by the above.

  The present invention is particularly preferably used for improving customer service in a bank or a credit union.

It is a figure which shows the example of a network structure containing the electronic bill system which concerns on this invention. It is a figure which shows the example of the hardware constitutions of a bank bill management server. It is a figure which shows the example of a functional structure of a bank bill management server. It is a figure which shows the example of a functional structure of a credit sales company bill management server. It is a figure which shows the example of a customer information database. It is a figure which shows the example of an issue bill database. It is a figure which shows the example of a bill issue request screen. It is a figure which shows the example of a payment waiting bill database. It is a figure which shows the example of an email. It is a figure which shows the example of a required item input screen. It is a figure which shows the example of a bill transfer request screen. It is a figure which shows the example of an email. It is a figure which shows the example of a required item input screen. It is a figure which shows the modification of a payment waiting bill database. It is a flowchart explaining the example of the flow of the whole process of a bank bill management server and a credit sales company bill management server. It is a flowchart explaining the example of the flow of the whole process of a bank bill management server and a credit sales company bill management server.

Explanation of symbols

1 Bank note management server (first processing system)
2 Credit company bill management server (second processing system)
72 bill information (electronic bill information)
104 bill settlement processing unit (electronic bill settlement processing means)
202 Information request section for payment (designation receiving means, request processing means)
203 Bill Information Registration Department (Receivables issuing means)
205 Payment processing part (transfer processing means)
206 Bill Transfer Request Reception Department (Receivable issuing means)
DB12 Issuance bill database (electronic bill information storage means)
ENS electronic bill management system

Claims (5)

An electronic bill management system having a first processing system on the financial institution side and a second processing system on the credit sales company side,
The first processing system and the second processing system are connectable via a network,
The first processing system includes:
The electronic bill information indicating the amount of the electronic bill, the due date, and the originator of the electronic bill in which the person who has opened an account with the financial institution is the drawer and the person who has not opened the account with the financial institution is the recipient Storing electronic bill information storage means;
Settlement processing for settlement of the electronic bill, processing for withdrawing the money of the amount indicated in the electronic bill information of the electronic bill from the depositor's deposit after the due date and the money of the amount to the credit sales company Electronic bill settlement processing means that executes by executing processing for remittance,
The second processing system includes:
Designation accepting means for accepting designation of a receiving method for receiving the money of the electronic bill by the recipient of the electronic bill;
When the payment processing of the electronic bill is normally executed in the first processing system, the processing for paying the payee the money of the electronic bill based on the designation of the electronic bill is executed. Payment processing means
An electronic bill management system. When there is an offer to change the recipient of the electronic bill,
The designation accepting unit newly accepts designation of a receiving method in which the recipient after the change of the electronic bill receives money of the amount of the electronic bill as the designation,
The payment processing means performs processing for payment based on the latest designation of the electronic bill;
The electronic bill management system according to claim 1. The designation accepting unit accepts designation of an account of a money transfer destination of the amount of the electronic bill as the designation of the electronic bill,
The payment processing means executes a process for transferring money of the amount of the electronic bill to an account of a transfer destination related to the designation of the electronic bill;
The electronic bill management system according to claim 1 or 2. In the second processing system, when the application for the electronic bill is made and the settlement processing of the electronic bill cannot be executed, the recipient after the change of the money of the electronic bill is changed. Having a means for issuing a claim for executing a process for issuing a claim received from a recipient of
The electronic bill management system according to claim 2. The first processing system includes:
Contact notification means for notifying the second processing system of the contact information of the recipient of the electronic bill;
The second processing system includes:
Request processing means for performing processing for giving a request to the designation of the electronic bill to the contact information of the recipient of the electronic bill notified from the first processing system;
The electronic bill management system in any one of Claims 1 thru | or 4.