JP2007286692A - Electronic bill managing program and electronic bill managing device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To speedily offset electronic bills while providing a plurality of systems which manage electronic bills for balancing loads. <P>SOLUTION: An electronic bill managing program makes a computer perform a retrieval procedure of retrieving information of an electronic bill whose payment day comes from a storage means of storing information on electronic bills whose collection requests are accepted by a financial institution, a billing procedure of requesting settlement of an electronic bill whose information is retrieved by the retrieval procedure from a financial institution as a drawing source of the electronic bill through a network, and a result recording procedure of storing in the storage means normal completion of the settlement of the electronic bill corresponding to the bill when remittance of the amount billed to the financial institution is returned in response to the request made by the billing procedure. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic bill operation program and an electronic bill operation device for operating an electronic bill, and in particular, quickly performs an electronic bill offset process while providing a plurality of systems for operating an electronic bill to achieve load distribution. The present invention relates to an electronic bill operation program and an electronic bill operation apparatus.

  Conventionally, promissory bills (hereinafter simply referred to as “bills”) are often used as a means of settlement between small and medium enterprises. A company that draws a bill can specify a date when the bill can be financed, and can afford a cash flow. In addition, a company or the like that has received a bill can transfer the bill to another person by endorsement transfer, and can also fund the bill at an early stage by discount.

  In order to further improve the convenience of bills having such advantages, digitization of bills has been studied. For example, in Patent Document 1, a bill function is electronically realized on an electronic bill management system composed of a general-purpose computer or the like, and a drawer or the like accesses the electronic bill management system via a network to perform various processes. Technology is disclosed.

JP 2003-132220 A

  However, the above technology assumes that all electronic bills (hereinafter referred to as “electronic bills”) are operated by a single electronic bill management system, and can only be used within a specific bank. Although it is possible to realize an electronic bill that can be used, it is considered difficult to realize an electronic bill that can be used by all domestic financial institutions due to problems such as load.

  Regardless of which financial institution has issued the current bill, it is one of the advantages that any financial institution can be funded, and this advantage is also secured when digitizing the bill This is considered an essential requirement.

  Therefore, it is considered that a system that operates electronic bills for each financial institution and distributes the load and connects these systems via a network and exchanges information as appropriate is the preferred method for operating electronic bills. When the systems are distributed as described above, it is necessary to perform electronic bill cancellation processing between the systems.

  In conventional paper bill handling, offsetting is performed by exchanging paper bills through bill exchange stations in various locations, but electronic bills have such a mechanism. However, there has been a strong demand for the realization of a technology that enables cancellation processing in electronic bills. In addition, in the offsetting process performed through the conventional bill exchange office, it takes several days until the bill is funded, and there has been a strong demand for speeding up the offsetting process.

  The present invention has been made to solve the above-described problems caused by the prior art, and can cancel electronic bills quickly while providing a plurality of systems for operating electronic bills to achieve load distribution. An object is to provide an electronic bill operation program and an electronic bill operation device.

  In order to solve the above-described problems and achieve the object, the present invention is an electronic bill operation program for operating electronic bills, and stores information on electronic bills accepted for collection requests at the relevant financial institution. A search procedure for searching for information on electronic bills whose due date has arrived from the storage means, and a billing procedure for charging settlement of electronic bills for which information has been retrieved by the search procedure to a financial institution from which the electronic bills were issued through a network And when the response to the request according to the request procedure is sent to the financial institution, the storage means stores the fact that the electronic bill corresponding to the request has been successfully completed. And a result recording procedure to be executed by a computer.

  The present invention also relates to an electronic bill operating device for operating an electronic bill, wherein the electronic bill whose due date has arrived from storage means for storing information on the electronic bill that has been accepted for collection at the financial institution. A billing means for retrieving the information of the electronic bill, billing means for billing the electronic bill for which the information has been retrieved by the retrieval means to the financial institution from which the electronic bill was issued, and billing for the bill by the billing means And a result recording means for storing, in the storage means, the fact that the settlement of the electronic bill corresponding to the claim has been normally completed when a response indicating that the amount has been transferred to the financial institution is made. And

  Further, according to the present invention, in the above invention, when the result recording procedure makes a response indicating that the billing amount cannot be transferred in response to the billing by the billing procedure, the electronic bill corresponding to the bill becomes undeliverable. It is characterized by memorize | storing in the said memory | storage means.

  In addition, the present invention provides an account of a holder of an electronic bill corresponding to the claim when a response is sent to the financial institution in response to the claim according to the claim procedure. And making the computer further execute a depositing procedure for depositing the billed amount.

  In addition, the present invention provides a storage means for storing information on an electronic bill issued by the financial institution when receiving a request for settlement of the electronic bill issued by the financial institution in the above invention. Search for the information on the corresponding electronic bill from, withdraw the billing amount from the account of the registrant registered in the retrieved information, and if the withdrawal is successful, the billing amount is sent to the requester through the online partner network It is characterized in that the computer further executes a withdrawal procedure for remittance to a financial institution and responding to that request.

  According to the present invention, since billing and remittance for electronic bill settlement are performed through the network, a plurality of systems that operate electronic bills are provided to load balance and speed up electronic bill offset processing. There is an effect that it can be performed.

  Exemplary embodiments of an electronic bill operating program and an electronic bill operating apparatus according to the present invention will be described below in detail with reference to the accompanying drawings.

  First, an outline of the electronic bill operating system according to the present embodiment will be described. The electronic bill operating system according to the present embodiment is configured by connecting a plurality of electronic bill operating devices via a network. The electronic bill operating device is a server device that implements various processes for operating an electronic bill, and is installed, for example, for each financial institution.

  By constructing an electronic bill operation system by connecting a plurality of electronic bill operation devices to the network in this way, it is possible to realize an electronic bill that can be used by all domestic financial institutions by distributing the load related to the operation of the electronic bill. it can.

  Further, in the electronic bill operating system according to the present embodiment, the electronic bill is distributed using an IC card. If the bill is simply converted into an electronic form, a person who is not an authorized owner can easily exchange the bill by impersonation or the like. Therefore, by imposing an IC card that stores the identification information of bills safely using electronic signature technology for each bill and making it one of the conditions for considering possession of this as a legitimate owner, Prevent illegal acts such as

  In this embodiment, the description will be made on the assumption that the medium for storing the identification information of the bill is an IC card. However, the medium for storing the identification information of the bill does not necessarily have to be an IC card. Other portable storage media may be used.

Hereinafter, an electronic bill operating system according to the present embodiment will be described with reference to the drawings. FIG. 1 is a diagram illustrating a configuration of an electronic bill operating system according to the present embodiment. The electronic bill management system shown in FIG. 1 is configured by connecting A bank 10 _{1 to} M bank 10 _m through a network 1. The network 1 is, for example, a VAN (Value Added Network) for the Internet or the financial industry.

In bank A 10 ₁ , electronic bill operating device 100 and electronic bill store terminals 200 ₁ to 200 _n are connected by network 2. The network 2 is connected to the network 1 via a gateway device (G / W) 300.

The electronic bill operating device 100 is a server device that implements various processes for operating an electronic bill, and is installed in a machine room or the like owned by Bank A. The electronic bill store terminals 200 ₁ to 200 _n are devices in which a bank employee or the like performs operations for various processes related to the electronic bill according to a customer's request, and includes a reader / writer for reading and writing information on the IC card, and bank A Installed at the head office and branch of The gateway device 300 is a device that connects the network 1 and the network 2 and monitors unauthorized access and the like.

The inside of the B bank 10 _{2 to the} M bank 10 _m has the same configuration as the A bank 10 ₁ . A certificate authority 20 and a gateway device 30 are also connected to the network 1. The certificate authority 20 is an organization in charge of authentication of an electronic certificate in an electronic signature. The gateway device 30 is a relay device for the electronic bill customer terminals 500 _{1 to} 500 _k to access the network 1 through wireless communication or the like.

Electronic bill customer terminals 500 _{1 to} 500 _k are devices for users of electronic bills to inquire about the contents and state of electronic bills, and include a reader / writer for reading and writing information on IC cards. The electronic bill customer terminals 500 _{1 to} 500 _k access the network 1 through the gateway device 30 by communication means such as wireless communication and the Internet, and make an inquiry to the electronic bill operation device 100 and the like.

  FIG. 2 is a diagram showing a flow of processing from when the electronic bill is issued until a collection request is made. Company a receives the delivery of raw materials from company b (step S101), and requests bank A to issue a bill with company b as the recipient in order to pay the price (step S102).

In the A bank that has received the request, employees are sent by operating the electronic bill store terminal 200 ₁ the necessary information to the drawing board of bills to electronic bills operation device 100, a request to register the extracted by shaking of the electronic bill. Upon receiving this request, the electronic bill operating device 100 assigns a bill number, and registers the transmitted information and the bill number in association with the bill draft table 121. Then, responding numbering the bill number to the electronic bill store terminal 200 ₁ (step S103).

Electronic bill store terminal 200 _1, when the response of the bill number, the bill information 410 including at least the bill number and electronic signature, written in the IC card 400 together with the electronic certificate 420 to verify the electronic signature (step S104 ). Thus, the process for issuing the electronic bill is completed, and the IC card 400 is sent to the company b, which is the recipient (step S105).

  When the payment date of the electronic bill approaches, the company b that has received the IC card 400 passes the IC card 400 to the bank B and requests collection (step S106). In the bank B that has received the request, the bank employee operates the electronic bill store terminal 201 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the electronic signature of the bill information 410 using the electronic certificate 420. This is performed (step S107).

  By verifying the electronic signature in this way, it can be confirmed that the bill information 410 is not forged. In the operation of bills using conventional paper, it has been difficult to discriminate forged bills, but forgery can be easily detected in the electronic bills according to the present embodiment.

  However, it is not possible to confirm that the collection requester is a valid holder of the electronic bill only by verifying the electronic signature. Accordingly, the IC card 400 may be provided with a PIN (Personal Identification Number) authentication function and used.

  Specifically, when bank A writes the bill information 410 on the IC card 400, the PIN number newly generated using a random number or the like is set in the IC card 400, and the paper on which the PIN number is printed is sent to the b company. Send it. When the person in charge of company b makes a collection request by showing the IC card 400 at the bank B, the PIN number is input to the electronic bill store terminal 201 and matches the PIN number set in the IC card 400. Get confirmation of doing. Thereby, for example, it is possible to prevent a person who has picked up the IC card 400 from impersonating a person in charge of company b and making a collection or discount request.

  Returning to the description of the flow of processing of the collection request, the bank B employee verifies the bill information 410 and then operates the electronic bill store terminal 201 to check the information contained in the bill information 410 and the client. The information of company b is transmitted to the electronic bill operating apparatus 101 of the bank and requests registration of a collection request (step S108).

  Upon receiving this request, the electronic bill managing apparatus 101 transmits the bill number included in the bill information 410 to the electronic bill managing apparatus 100 of the bank A, which is the drawing financial institution, and the electronic bill information corresponding to the bill number. Ask to send. Then, the electronic bill operating apparatus 100 searches for the corresponding information from the bill draft table 121 and responds (step S109).

  Upon receiving the response, the electronic bill operating apparatus 101 collates the responded information with the information included in the bill information 410 and confirms that the contents match. If a match is confirmed, information necessary for the collection process is registered in the bill collection table 122, and a response indicating that the request has been accepted is returned to the electronic bill store terminal 201. If the match is not confirmed, the electronic bill store terminal 201 is responded to reject the request (step S110).

  In this way, when accepting a collection request, in addition to verifying the electronic signature, the billing information 410 is counterfeited by inquiring about the contents of the electronic bill to the issuing financial institution and collating it with the bill information 410 stored in the IC card. It can be confirmed more strictly that it has not been done.

  As a result of the above processing, if the collection request of company b is accepted by bank B, when the bill due date arrives, bank B requests settlement to bank A, and the bill amount is the A It will move from the bank account to the bank B account owned by company b.

  FIG. 3 is a diagram showing a processing flow when the electronic bill is transferred to the endorsement. Endorsement transfer refers to a transaction that changes the holder of a bill. The process flow from step S201 to step S205 is the same as the process flow from step S101 to step S105 shown in FIG.

  The company b that has received the IC card 400 passes the IC card 400 to the bank B and requests endorsement processing in order to change the electronic bill holder to the company c (step S206). In the bank B that has received the request, the bank employee operates the electronic bill store terminal 201 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the electronic signature of the bill information 410 using the electronic certificate 420. This is performed (step S207). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, the bank B employee verifies the bill information 410 and then operates the electronic bill store terminal 201 to obtain the information contained in the bill information 410 and the information of the new holder as the financial institution. The data is transmitted to the electronic bill handling apparatus 100 of bank A, and the registration of the change of the holder is requested.

  Upon receiving this request, the electronic bill operating apparatus 100 searches the bill correspondence table 121 for information corresponding to the bill number included in the bill information 410, and the retrieved information and the information included in the bill information 410 Check that the contents match. If the match is confirmed, the change of the owner is registered in the endorsement history table 123, and a response is received to the electronic bill store terminal 201 that the request has been accepted. If the match is not confirmed, the electronic bill store terminal 201 is responded to reject the request (step S208).

  In this manner, in the endorsement history table 123, each time an endorsement of an electronic bill is transferred, information on the endorser and the endorsed correspondent is registered in association with the target electronic bill.

  If the request is accepted, the IC card 400 is sent to the new company c, which is the new owner (step S209). Then, the company c receiving the IC card 400, when the payment date of the electronic bill approaches, passes the IC card 400 to the bank C and requests collection (step S210).

  Upon receiving the request, the bank operator operates the electronic bill store terminal 202 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the digital signature of the bill information 410 using the electronic certificate 420. This is performed (step S211). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, the bank bank employee verifies the bill information 410 and then operates the electronic bill store terminal 202 to obtain the information contained in the bill information 410 and the information of the client company c. The request is sent to the electronic bill operating apparatus 102 to request registration of a collection request (step S212).

  Upon receiving this request, the electronic bill managing apparatus 102 transmits the bill number included in the bill information 410 to the electronic bill managing apparatus 100 of the bank A, which is the drawing financial institution, and the electronic bill information corresponding to this bill number. Ask to send. Then, the electronic bill operating device 100 searches the corresponding information from the bill drawing table 121 and responds. At this time, the electronic bill operating device 100 also searches the endorsement history table 123 and includes in the response information indicating that the last endorsed person of the electronic bill is company c (step S213).

  Upon receiving the response, the electronic bill operating device 102 compares the responded information with the information contained in the bill information 410 and confirms that the contents match. Here, the electronic bill operating apparatus 102 also confirms that the information of the client who is transmitted from the electronic bill store terminal 202 matches the final endorsed person included in the responded information. If a match is confirmed, information necessary for the collection process is registered in the bill collection table 122, and a response indicating that the request has been accepted is returned to the electronic bill store terminal 202. If the match is not confirmed, the electronic bill store terminal 202 is responded to reject the request (step S214).

  In the conventional bill usage, the endorsement of bills could be transferred without requesting a financial institution. The same operation can be realized when using electronic bills. FIG. 4 shows the flow of processing when the endorsement of bills is transferred without requesting a financial institution.

  The process flow from step S301 to step S305 is the same as the process flow from step S101 to step S105 shown in FIG.

B company of the person who received the IC card 400, to change the possession of the person of the electronic bill to c, Inc., operates the electronic bill the customer terminal 500 _1, b, Inc. is an endorser c Inc. is the endorser Is added to the IC card 400. Then, an electronic signature is added to the information obtained by connecting the bill information 410 and the endorsement information 430, and an electronic certificate 440 for verifying the electronic signature is added to the IC card 400 (step S306).

  Here, the reason why the electronic signature is applied to the information obtained by connecting the bill information 410 and the endorsement information 430 is to prevent the combination of the bill information 410 and the endorsement information 430 from being falsified. If the electronic signature is applied only to the endorsement information 430, it cannot be detected even if the bill information 410 and the electronic certificate 420 are replaced with those of other electronic bills.

  In this way, each time the endorsement of the electronic bill is transferred, the combination of endorsement information 430 and electronic certificate 440 is added to the IC card 400.

  Then, the IC card 400 is sent to the company c, which is a new owner (step S307). Then, the company c that has received the IC card 400, when the payment date of the electronic bill approaches, passes the IC card 400 to the bank C and requests collection (step S308).

  Upon receiving the request, the bank operator operates the electronic bill store terminal 202 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the digital signature of the bill information 410 using the electronic certificate 420. Do. Further, the endorsement information 430 and the electronic certificate 440 are read out, the electronic certificate 440 is used to verify the electronic signature of the information obtained by concatenating the bill information 410 and the endorsement information 430, and the company c holds the electronic bill. (Step S309). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, the bank bank employee operates the electronic bill store terminal 202 to transmit the information contained in the bill information 410 and the information of the client company c to the electronic bill handling apparatus 102 of the bank, The registration of the request is requested (step S310).

  Upon receiving this request, the electronic bill managing apparatus 102 transmits the bill number included in the bill information 410 to the electronic bill managing apparatus 100 of the bank A, which is the drawing financial institution, and the electronic bill information corresponding to this bill number. Ask to send. Then, the electronic bill operating apparatus 100 retrieves the corresponding information from the bill draft table 121 and responds (step S311).

  Upon receiving the response, the electronic bill operating device 102 compares the responded information with the information contained in the bill information 410 and confirms that the contents match. If a match is confirmed, information necessary for the collection process is registered in the bill collection table 122, and a response indicating that the request has been accepted is returned to the electronic bill store terminal 202. If the match is not confirmed, the electronic bill store terminal 202 is responded to reject the request (step S312).

  FIG. 5 is a diagram showing a flow of processing when the electronic bill is discounted. Discount means a transaction to fund bills before the due date. Since the flow of processing from step S401 to step S405 is the same as the flow of processing from step S101 to step S105 shown in FIG.

  The company “b” receiving the IC card 400 hands over the IC card 400 to the bank B and requests discount processing in order to fund the electronic bill (step S406). In the bank B that has received the request, the bank employee operates the electronic bill store terminal 201 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the electronic signature of the bill information 410 using the electronic certificate 420. This is performed (step S407). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, after confirming the bill information 410, the bank B employee operates the electronic bill store terminal 201 to obtain the information contained in the bill information 410 and the information of the client b company. The request is transmitted to the electronic bill operating apparatus 101 to request execution of discount processing (step S408).

  Upon receiving this request, the electronic bill managing apparatus 101 transmits the bill number included in the bill information 410 to the electronic bill managing apparatus 100 of the bank A, which is the drawing financial institution, and the electronic bill information corresponding to the bill number. Ask to send. Then, the electronic bill operating apparatus 100 searches for the corresponding information from the bill draft table 121 and responds (step S409).

  Upon receiving the response, the electronic bill operating apparatus 101 collates the responded information with the information included in the bill information 410 and confirms that the contents match. Here, when the match is not confirmed, the electronic bill operating apparatus 101 responds to the electronic bill store terminal 201 to reject the discount request.

  On the other hand, when the match is confirmed, the electronic bill operating apparatus 101 requests execution of endorsement processing for making the bank B the holder of the electronic bill (step S410). Then, after registering information necessary for collection processing in the bill collection table 122, calculating a discount amount and registering information related to the discount processing in the bill discount table 124, the electronic bill store terminal 201 indicates that the discount request has been accepted. (Step S411).

  When the discount request is accepted by the electronic bill operation apparatus 101, the bill amount obtained by subtracting the discount amount from the bank B is paid to the company B (step S412).

  In this way, the electronic bill operation system according to the present embodiment can realize the digitization of bills without losing the functions such as endorsements and discounts that the conventional bills have, and further improve the safety of bills. Can be made. Moreover, the electronic bill operating system according to the present embodiment can also realize functions that the conventional bill does not have. An example is shown below.

  FIG. 6 is a diagram showing a processing flow when the electronic bill is transferred / divided. If Company B tries to transfer the endorsement of bill X issued by Company A to Company A, it may be refused by Company Company because of Company's low credit. In such a case, on the condition that the company bears the obligation to pay the bill X, the company transfers the endorsement of the bill X to the bank, and in exchange for this, a new bill Y is issued with the company B as the maker. If it can be received from the bank, this new bill Y can be transferred to a certain company.

  In this specification, a transaction in which a bill is transferred to a financial institution on the condition that the company is obligated to pay the bill, and a new bill is issued in exchange for this is called transfer. To do. In addition, when a transfer is requested to a financial institution, it is possible to allocate an initial bill amount and receive a plurality of bills, and this transaction is referred to as a split in this specification.

  Transfers and splits have the advantage for financial institutions that the opportunity for fee income increases. In addition, for companies that request them, by replacing bills that have problems with the issuer with a new note that uses the company as the issuer, transactions with other companies can be facilitated, and the payment date of the note Will be substantially extended, which has the advantage of affording a financial plan.

  The process flow from step S501 to step S505 in FIG. 6 is the same as the process flow from step S101 to step S101 to step 105 shown in FIG.

  The company “b” receiving the IC card 400 receives the delivery of the raw material from the company “c” (step S506), passes the IC card 400 to the bank B for payment, and requests a transfer process (step S507). In the bank B that has received the request, the bank employee operates the electronic bill store terminal 201 to read the bill information 410 and the electronic certificate 420 from the IC card 400, and verifies the electronic signature of the bill information 410 using the electronic certificate 420. This is performed (step S508). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, after confirming the bill information 410, the bank B employee operates the electronic bill store terminal 201, the information included in the bill information 410, the information on the client b company, and the new information The information of company c, which is the recipient of a large bill, is transmitted to the electronic bill handling device 101 of the bank, and the execution of the transfer process is requested (step S509).

  Upon receiving this request, the electronic bill managing apparatus 101 transmits the bill number included in the bill information 410 to the electronic bill managing apparatus 100 of the bank A, which is the drawing financial institution, and the electronic bill information corresponding to the bill number. Ask to send. Then, the electronic bill operating device 100 searches for the corresponding information from the bill draft table 121 and responds (step S510).

  Upon receiving the response, the electronic bill operating apparatus 101 collates the responded information with the information included in the bill information 410 and confirms that the contents match. Here, when the match is not confirmed, the electronic bill operating device 101 responds to the electronic bill store terminal 201 to reject the transfer request.

  On the other hand, when the match is confirmed, the electronic bill operating apparatus 101 requests the electronic bill operating apparatus 100 to execute endorsement processing for making the bank B the owner of the electronic bill (step S511). Then, information necessary for collection processing is registered in the bill collection table 122, and in addition, in order to issue a new bill, a bill number is assigned, and the transmitted information and bill number are associated with each other and the bill draft table. 121, and the correspondence between the bills before and after the request is registered in the bill transfer table 125. The numbered bill number is returned to the electronic bill store terminal 201 (step S512).

  When a bill number is returned from the electronic bill operation apparatus 101, the electronic bill store terminal 201 digitally signs bill information 411 including at least this bill number, and an IC together with an electronic certificate 421 for verifying the digital signature. Writing to the card 401 (step S513). Thus, the transfer process is completed, and the IC card 401 corresponding to the newly drawn electronic bill is sent to the company c, which is the recipient (step S514).

  In the case of transfer, that is, the case where the electronic bills before and after the transfer correspond one-to-one, but in the case of division, that is, when there are a plurality of bills after transfer, the electronic bill operating device The numbering of the bill number in 101 and the information registration in the bill drawing table 121 and the bill transfer table 125 are performed for the number of bills after the transfer, and the bill information corresponding to each electronic bill is individually stored in the IC card. Is written to.

  When company c receives the IC card 401, when the due date of the electronic bill approaches, it passes the IC card 401 to the bank C and requests collection (step S515). Upon receiving the request, the bank operator operates the electronic bill store terminal 202 to read the bill information 411 and the electronic certificate 421 from the IC card 401, and verifies the electronic signature of the bill information 411 using the electronic certificate 421. This is performed (step S516). Here, it is also possible to confirm that the requester is a valid holder of the electronic bill by using PIN authentication or the like.

  Then, the bank bank employee verifies the bill information 411 and then operates the electronic bill store terminal 202 to obtain the information contained in the bill information 411 and the information of the client company c. The request is sent to the electronic bill operating apparatus 102 to request registration of a collection request (step S517).

  Upon receiving this request, the electronic bill managing apparatus 102 transmits the bill number included in the bill information 411 to the electronic bill managing apparatus 101 of the bank B, which is the drawing financial institution, and the electronic bill information corresponding to the bill number. Ask to send. Then, the electronic bill operation apparatus 101 searches for the corresponding information from the bill draft table 121 and responds (step S518).

  Upon receiving the response, the electronic bill management device 102 checks the information that has been responded to the information included in the bill information 411 and confirms that the contents match. If a match is confirmed, information necessary for the collection process is registered in the bill collection table 122, and a response indicating that the request has been accepted is returned to the electronic bill store terminal 202. If the match is not confirmed, the electronic bill store terminal 202 is responded to reject the request (step S519).

  So far, the processing before the due date of the electronic bill has been explained, but after the due date of the electronic bill has arrived, the billing financial institution is charged with the bill amount and the transferred amount is transferred to the owner's account. It is necessary to perform a process of depositing money. Since this processing is performed between financial institutions, it is called offset processing.

  The electronic bill cancellation process can be realized by using an existing online network such as BANCS (BANks Cash Service). FIG. 7 is a diagram showing a flow of electronic bill cancellation processing. This figure shows the flow of processing when Bank B charges the Bank A, which is the drawing financial institution, for the bill amount of the electronic bill accepted for the collection request.

  Bank B's electronic bill management device 101 searches bill collection table 122 and recognizes that there is an electronic bill whose due date has arrived, and then remits the bill amount of the electronic bill, which is the bank A To the electronic bill operating apparatus 100 (step S601).

  Upon receiving the request, the electronic bill management device 100 searches the bill issue table 121 and confirms that the electronic bill requested for remittance has not yet been charged, and then withdraws the bill amount from the account of the drawer, Remit money to Bank B through the online partner network and respond to that effect. Then, the fact that the transaction of the electronic bill has been completed is recorded in the bill issue table 121 (step S602).

  Upon receiving the response, the electronic bill management apparatus 101 deposits the bill amount into the account of the holder of the electronic bill and records in the bill collection table 122 that the transaction of the electronic bill has been completed. If the account of the writer is insufficient, the electronic bill operating device 100 responds to the electronic bill operating device 101 and does not transmit the bill amount. Then, the electronic bill management apparatus 101 records in the bill collection table 122 that the electronic bill is undelivered.

  Conventionally, bill cancellation processing has been performed by exchanging paper bills between financial institutions via a bill exchange. For this reason, even when the bill due date arrived, it took several days for the financial institution requested to collect the bill amount to receive the bill amount. By digitizing the bill and performing online offsetting, the financial institution can promptly receive the bill amount after the due date of the bill for which collection is requested.

  However, as described above, when the exchange of the bill amount associated with the electronic bill cancellation process is performed for each electronic bill, the load on the online partner network may increase. In view of this, it is possible to collect bill amounts billed for each financial institution at each financial institution and exchange this information to exchange only the difference between the bill amounts. The flow of processing in this case is shown in FIG.

  In FIG. 8, an example in which the offset process is performed between the A bank and the B bank is shown, but in this system, the offset process can be performed between a large number of banks.

  Bank A's electronic bill management device 100 extracts information on electronic bills whose due date has arrived from its bill collection table 122, and sums up the amount of bills for each financial institution, along with detailed information on each electronic bill. Transmit to the cancellation center 40. The electronic bill management apparatus 101 of the B bank also extracts information on the electronic bills whose due date has arrived from its own bill collection table 122, and summarizes the bill amount for each banking financial institution, and the details of each electronic bill. Information is transmitted to the cancellation center 40 (step S701).

  Then, after the information is transmitted from all the financial institutions, the offsetting center 40 obtains the difference in the charged amount for each combination of the financial institutions, and calculates the difference from the financial institution having the large charged amount to the financial institution having the small charged amount The amount charged to. Then, the electronic bill detail information transmitted from each financial institution is reorganized for each drawing financial institution, and transmitted to the corresponding financial institution together with the difference information of the billing amount (step S702).

  The electronic bill handling apparatus 100 of Bank A that has received the difference information of the charge amount from the offsetting center 40 remits the charge amount for each financial institution according to this information. Similarly, the electronic bill handling apparatus 101 of the B bank also transfers the bill amount for each financial institution according to the received difference information.

  Thereafter, the electronic bill handling apparatus 100 of the bank A deducts the bill amount from the account of the drawer while collating the detailed information of the electronic bill transmitted from the offsetting center 40 with the information in the bill issue table 121. Similarly, the electronic bill handling apparatus 101 of the B bank also deducts the bill amount from the account of the maker.

  Here, for example, in the case where the account balance of the electronic bill maker who has been issued by the bank A and requested to be collected by the bank B is insufficient, the electronic bill operating device 100 transfers to the electronic bill operating device 101 of the B bank. This is notified (step S703), and the electronic bill operating apparatus 101 returns the bill amount of the corresponding electronic bill to the bank A (step S704).

  Next, the configuration of the electronic bill operating device according to the present embodiment will be described. Here, the configuration of the electronic bill operating device 100 will be described, but the electronic bill operating devices 101 and 102 also have the same configuration.

  FIG. 9 is a functional block diagram showing the configuration of the electronic bill operating device 100. As shown in the figure, the electronic bill operating device 100 includes a control unit 110, a storage unit 120, and a network interface unit 130. The network interface unit 130 is an interface unit for exchanging various types of information via a network.

  The control unit 110 is a control unit that controls the electronic bill operating device 100 as a whole. The bill drafting unit 111, the bill collection receiving unit 112, the bill endorsement unit 113, the bill discount unit 114, the bill transfer unit 115, A bill verification unit 116, a bill information inquiry unit 117, a query correspondence unit 118, and a bill cancellation unit 119 are included.

The bill drafting unit 111 is a processing unit that executes a billing process for electronic bills in response to requests from the electronic bill store terminals 200 ₁ to 200 _n . Specifically, after the bill number is assigned and registered in the bill withdrawal table 121 of the storage unit 120 together with information such as the maker, due date, and amount transmitted from the electronic bill store terminals 200 ₁ to 200 _n , the bill number Process to respond to the requester.

The bill collection reception unit 112 is a processing unit that receives electronic bill collection terminals 200 ₁ to 200 _n and executes electronic bill collection reception processing. Specifically, the bill number transmitted from the electronic bill store terminals 200 ₁ to 200 _n is handed over to the bill verification unit 116 for verification, and after confirming that the electronic bill is a regular one, it is necessary for collection. A process of registering information in the bill collection table 122 of the storage unit 120 is performed.

The bill endorsement unit 113 is a processing unit that registers a change of the holder of the electronic bill upon receipt of a request from the electronic bill store terminals 200 ₁ to 200 _n or other electronic bill handling devices such as the electronic bill handling device 101. . Specifically, the bill number or the like of the electronic bill requested to change the holder is handed over to the bill verification unit 116 for verification, and after confirming that the electronic bill is genuine, the change of the holder is indicated. Processing for registering information in the endorsement history table 123 of the storage unit 120 is performed.

The bill discount unit 114 is a processing unit that executes electronic bill discount processing in response to requests from the electronic bill store terminals 200 ₁ to 200 _n . Specifically, the bill number transmitted from the electronic bill store terminals 200 ₁ to 200 _n is handed over to the bill verification unit 116 to be verified, and after confirming that the electronic bill is genuine, the billing financial institution's Request an endorsement from the electronic bill operating device to make the bank the owner of the electronic bill.

Information necessary for collection is registered in the bill collection table 122 of the storage unit 120, the discount amount is calculated, the result is registered in the bill discount table 124 of the storage unit 120, and the calculated discount amount is sent to the requester. respond. The discount amount may be calculated not by the electronic bill operating device 100 but by the electronic bill store terminals 200 ₁ to 200 _n .

The bill transfer unit 115 is a processing unit that executes a transfer / division process of electronic bills in response to requests from the electronic bill store terminals 200 ₁ to 200 _n . Specifically, the bill number transmitted from the electronic bill store terminals 200 ₁ to 200 _n is handed over to the bill verification unit 116 to be verified, and after confirming that the electronic bill is genuine, the billing financial institution's Request an endorsement from the electronic bill operating device to make the bank the owner of the electronic bill.

  Then, after registering the information necessary for collecting the electronic bills before transfer into the bill collecting table 122 of the storage unit 120, the bill number is numbered, and this is registered in the bill dispensing table 121 together with information such as the maker, A process of registering information indicating the correspondence between bills before and after transfer in the bill transfer table 125 of the storage unit 120 is executed for each electronic bill that is newly issued. Then, it responds to the request source by associating the numbered bill number with the recipient.

  The bill verification unit 116 is a processing unit that compares the delivered information with information of a regular electronic bill and verifies whether the contents match. When the bill number included in the delivered information is that of the electronic bill managed by the electronic bill operating device, the bill verification unit 116 reads the corresponding electronic bill from the bill drawing table of the storage unit 120. Read information and compare.

  On the other hand, if the bill number included in the delivered information is that of an electronic bill managed by another electronic bill management device, the bill verification unit 116 requests the bill information inquiry unit 117 to send the electronic bill. The information on the corresponding electronic bill is transmitted from the bill operation device.

  In addition, when the electronic bill corresponding to the bill number included in the delivered information is transferred to the endorsement, the bill verifying unit 116 performs a comparison in consideration of the latest holder.

  The bill information inquiry unit 117 is a processing unit that transmits electronic bill information from another electronic bill management device based on a request from the bill verification unit 116. The inquiry handling unit 118 is a processing unit that searches for and responds to information on the corresponding electronic bill from the bill drawing table 121 in response to a request from the bill information inquiry unit 117 of another electronic bill management device. When the information corresponding to the searched electronic bill exists in the endorsement history table 123, the inquiry corresponding unit 118 includes the information of the endorsed person of the latest record in the response as the latest owner of the electronic bill.

  The bill canceling unit 119 is a processing unit that realizes a canceling process by executing billing and remittance of a bill amount of an electronic bill whose payment date has arrived. Details of the processing of the bill cancellation unit 119 will be described later.

  The storage unit 120 is a storage unit that stores various types of information, and stores a bill drafting table 121, a bill collection table 122, an endorsement history table 123, a bill discount table 124, and a bill transfer table 125.

  The bill draft table 121 is a table in which information on electronic bills that have been drafted by the electronic bill handling apparatus is registered. An example of the bill derivation table 121 is shown in FIG. As shown in the figure, the bill withdrawal table 121 includes a bill number, bill amount, withdrawal date, due date, account number, name of the cradle, recipient name, status code, bank number and branch number of the collection bank, collection date, etc. There is an item, and a record is registered for each electronic bill.

  The bill number is an identification number for identifying an electronic bill, and is composed of a bank number and a branch number of the issuing financial institution and a serial number. The bill amount is an amount that can be funded by the holder of the electronic bill after the due date. The withdrawal date is the date on which the electronic bill is drawn, and the due date is the payment date on which the electronic bill can be fully funded.

  The account number is the number of an account opened by the electronic bill drawer in the bank. This account number is used to withdraw the bill amount when bill amount is charged after the due date. The name of the maker is the name of the maker of the electronic bill, and the name of the recipient is the name of the recipient of the electronic bill.

  The status code is a code indicating the status of the electronic bill and takes one of the values “unbilled”, “completed”, or “cannot be withdrawn”. “Unbilled” is an initial value of this item, and indicates that the electronic bill has not yet been settled. “Completed” indicates that payment of the electronic bill has been completed normally, and “Unable to withdraw” indicates that payment could not be performed normally due to insufficient balance.

  The bank number and branch number of the collection bank are the bank number and branch number of the bank that requested the settlement of the electronic bill, respectively, and the collection date is the date when settlement was requested. These items are not set until payment is requested.

  The bill collection table 122 is a table in which information on electronic bills for which collection acceptance processing, discount processing, or transfer / division processing has been executed by the electronic bill management apparatus is registered. An example of the bill collection table 122 is shown in FIG. As shown in the figure, the bill collection table 122 includes a bill number, bill amount, withdrawal date, due date, name of the assignor, client name, account number, request category, status code, bank number and branch number of the collection bank, There is an item such as a collection date, and a record is registered for each electronic bill.

  The bill number is an identification number for identifying an electronic bill, and is composed of a bank number and a branch number of the issuing financial institution and a serial number. The bill amount is the amount billed to the depositing financial institution after the due date. The date of withdrawal is the date on which the electronic bill is issued, and the due date is the date on which the electronic financial instrument is requested to settle the electronic bill. The name of the maker is the name of the writer of the electronic bill. In the bill number to the name of the maker, the same value as the item of the same name of the electronic bill registered in the bill drafting table 121 in the electronic bill management device of the banking bank is registered.

  The client name is the name of the client who requested collection. The account number is an account number for depositing the bill amount after the electronic bill is settled. In this account number, if the record is registered by the collection acceptance process, the account number of the client is set, and the record is registered by discount processing or transfer / division processing In some cases, the bank's own account number is set.

  The request category is a code indicating by which process the record is registered, and takes one of the values “collection”, “discount” or “transfer”. The status code is a code indicating the status of the electronic bill, and takes one of the values “unbilled”, “completed”, or “undelivered”. “Unbilled” is an initial value of this item, and indicates that the electronic bill has not yet been settled. “Completed” indicates that payment of the electronic bill has been completed normally, and “Non-delivery” indicates that payment could not be performed normally due to insufficient balance.

  The bank number and branch number of the collection bank are the bank number and branch number of the bank requested to collect the electronic bill, respectively, and the collection date is the date on which settlement is requested. The collection date is not set until settlement is requested.

  The endorsement history table 123 is a table in which the endorsement transfer history of the electronic bills that have been drawn out by the electronic bill operating device is registered. An example of the endorsement history table 123 is shown in FIG. As shown in the figure, the endorsement history table 123 has items such as a bill number, endorsement name, endorsed name, endorsement date, and a record is registered every time endorsement is transferred.

  The bill number is an identification number for identifying an electronic bill, and is composed of a bank number and a branch number of the issuing financial institution and a serial number. The endorsement name is the name of the endorsement person, and the endorsed name is the name of the endorsement person. The endorsement date is the date on which the endorsement was transferred.

  The bill discount table 124 is a table in which information related to discounts is registered when discount processing is executed in the electronic bill handling apparatus. An example of the bill discount table 124 is shown in FIG. As shown in the figure, the bill discount table 124 has items such as bill number, discount amount, client name, account number, and request date, and a record is registered every time discount processing is performed.

  The bill number is an identification number for identifying an electronic bill, and is composed of a bank number and a branch number of the issuing financial institution and a serial number. The discount amount is an amount discounted from the bill amount in the discount process, and the client name is the name of the client requesting the discount. The account number is the account number of the client, and when the discounted electronic bill is undelivered, the claim is collected from this account. The request date is the date when the discount is requested.

  The bill transfer table 125 is a table in which information indicating correspondence between electronic bills before and after transfer is registered when transfer / division processing is executed in the electronic bill handling apparatus. An example of the bill transfer table 125 is shown in FIG. As shown in the figure, the bill transfer table 125 has items such as a bill number before transfer, a bill number after transfer, a client name, an account number, and a request date, and a record is registered for each electronic bill after transfer. .

  The pre-transfer bill number is an identification number for identifying the electronic bill before the transfer, and includes a bank number and a branch number of the drawing financial institution and a serial number. The post-transfer bill number is an identification number for identifying the electronic bill newly issued by the transfer, and includes a bank number and a branch number of the transfer financial institution and a serial number. The client name is the name of the client who is transferring / dividing. The account number is the account number of the client, and when the electronic bill before transfer is undelivered, the claim is collected from this account. The request date is the date when transfer / division is requested.

  Next, a processing procedure of the electronic bill operating device according to the present embodiment will be described. Here, although the processing procedure of the electronic bill operating device 100 will be described, the electronic bill operating devices 101 and 102 also execute various processes according to the same processing procedure.

FIG. 15 is a flowchart showing a processing procedure when the electronic bill is issued. When the electronic bill operating apparatus 100 receives a request for electronic bill issue and transmission of information necessary for the issue from the electronic bill store terminals 200 ₁ to 200 _n (step S1001), the bill issue unit 111 assigns the bill number. (Step S1002) The bill number is registered in the bill withdrawal table 121 together with the transmitted information such as the maker, date, amount, etc. (Step S1003), and the bill number is returned to the requester (Step S1004).

FIG. 16 is a flowchart showing a processing procedure when requesting collection of an electronic bill. When the electronic bill operating device 100 receives an electronic bill collection acceptance request and transmission of information necessary for collection from the electronic bill store terminals 200 ₁ to 200 _n (step S1101), the bill information inquiry unit 117 transmits the transmitted information. Information on the electronic bill corresponding to the bill number contained in the electronic bill is inquired of the electronic bill management device that is the origin (step S1102).

The bill validation unit 116 verifies the information transmitted from the response information and the electronic bill store terminal 200 ₁ etc., the information transmitted to verify whether or not the electronic bill of normal (step S1103).

  Here, when it is confirmed that the transmitted information is of a regular electronic bill (Yes at Step S1104), the bill collection receiving unit 112 registers information necessary for collection in the bill collection table 122 (Step S1104). In step S1105, the request source is responded to the effect that the request has been received (step S1106).

  On the other hand, when it is confirmed that the transmitted information does not belong to the regular electronic bill (No in step S1104), the bill collection accepting unit 112 responds to the request source that the request is rejected (step S1107).

FIG. 17 is a flowchart showing a processing procedure when an electronic bill endorsement request is made. When the electronic bill operating device 100 receives an electronic bill endorsement request and transmission of information necessary for the endorsement from the electronic bill store terminals 200 ₁ to 200 _n or other electronic bill operating devices (step S1201), the bill verification unit 116 Searches for the electronic bill information corresponding to the bill number included in the transmitted information from the bill ejection table 121 (step S1202).

The bill validation unit 116 verifies the information transmitted from the retrieved information and the electronic bill store terminal 200 ₁ etc., the information transmitted to verify whether or not the electronic bill of normal (step S1203).

  Here, when it is confirmed that the transmitted information is of a regular electronic bill (Yes at Step S1204), the bill endorsement unit 113 registers information indicating the change of the holder in the endorsement history table 123 ( In step S1205), the request source is responded to the effect that the request has been received (step S1206).

  On the other hand, when it is confirmed that the transmitted information does not belong to the regular electronic bill (No in step S1204), the bill endorsement unit 113 responds to the request source that the request is rejected (step S1207).

FIG. 18 is a flowchart showing a processing procedure at the time of a discount request for an electronic bill. When the electronic bill operating device 100 receives the electronic bill discount request and the transmission of information necessary for the discount from the electronic bill store terminals 200 ₁ to 200 _n (step S1301), the bill information inquiry unit 117 is included in the transmitted information. Information on the electronic bill corresponding to the bill number to be inquired is inquired to the electronic bill operating device that is the origin (step S1302).

The bill validation unit 116 verifies the information transmitted from the response information and the electronic bill store terminal 200 ₁ etc., the information transmitted to verify whether or not the electronic bill of normal (step S1303).

  Here, if it is confirmed that the transmitted information is of a regular electronic bill (Yes at step S1304), the bill discount unit 114 sends the bank to the electronic bill operating device of the drawing financial institution to the electronic bill. An endorsement is requested so as to be a bill holder (step S1305).

  When a response indicating that the endorsement has been completed successfully is received (Yes at step S1306), information necessary for collecting electronic bills is registered in the bill collection table 122 (step S1307), a discount amount is calculated, and the result is obtained. It is registered in the bill discount table 124 (step S1308), and the calculated discount amount and the fact that the request has been accepted are responded to the request source (step S1309).

  On the other hand, when it is confirmed that the transmitted information is not of a regular electronic bill (No at step S1304), or when a response indicating that the endorsement was not completed normally (No at step S1306) is received, the bill The discount unit 114 responds to the request source that the request is rejected (step S1310).

FIG. 19 is a flowchart showing a processing procedure at the time of requesting transfer / division of an electronic bill. When the electronic bill operating device 100 accepts the electronic bill transfer terminals 200 ₁ to 200 _n from the electronic bill transfer / division request and the transmission of information necessary for the transfer / division (step S1401), the bill information inquiry unit 117 is transmitted. Information on the electronic bill corresponding to the bill number included in the received information is inquired to the electronic bill operating device that is the origin (step S1402).

The bill validation unit 116 verifies the information transmitted from the response information and the electronic bill store terminal 200 ₁ etc., the information transmitted to verify whether or not the electronic bill of normal (step S1403).

  Here, if it is confirmed that the transmitted information is of a regular electronic bill (Yes at step S1404), the bill transfer unit 115 sends the bank information to the electronic bill operating device of the drawing financial institution. An endorsement is requested so as to be a bill holder (step S1405).

  When a response to the effect that the endorsement has been completed successfully is received (Yes at step S1406), information necessary for collecting the electronic bill before transfer is registered in the bill collection table 122 (step S1407).

  Then, the bill number is numbered (step S1408), and this is registered in the bill handing table 121 together with the information such as the maker (step S1409). (Step S1410). If registration of all requested electronic bills has not been completed (No at step S1411), the process returns to step S1408 to execute the next electronic bill eviction process, and all requested electronic bills are issued. Is completed (Yes at step S1411), information indicating that the numbered bill number is associated with the recipient and the fact that the request has been received are responded to the request source (step S1412).

  On the other hand, when it is confirmed that the transmitted information is not of a regular electronic bill (No at Step S1404), or when a response indicating that the endorsement was not completed normally (No at Step S1406) is received, the bill The transfer unit 115 responds to the request source that the request is rejected (step S1413).

  FIG. 20 is a flowchart showing the processing procedure of the canceling process. This figure shows a processing procedure in the case of performing a cancellation process by the method shown in FIG. 7, and the bill cancellation unit 119 of each electronic bill operating device scans the bill collection table 122 at a predetermined time, and pays a due date. This processing procedure is executed each time an electronic bill that has not yet been settled is found.

  When the bill cancellation unit 119 finds an electronic bill that has reached the due date and has not yet been settled, it transmits a settlement request for the electronic bill to the electronic bill management device that is the origin of the electronic bill ( Step S1501).

  Upon receiving the electronic bill settlement request (step S1601), the bill cancellation unit 119 of the counterpart electronic bill management device searches the bill draft table 121 for the corresponding electronic bill (step S1602). If the corresponding electronic bill does not exist or if the corresponding electronic bill has already been settled (No at step S1603), a response to that effect is sent to the request source (step S1609).

  If the corresponding electronic bill has not been settled (Yes at Step S1603), the bill amount is deducted from the account of the maker (Step S1604). Here, if the withdrawal cannot be made due to a shortage of the account balance of the withdrawal person (No in step S1605), the status code of the corresponding record in the bill withdrawal table 121 is changed to “cannot be withdrawn” (step S1608). Then, it responds to the request source that the bill amount could not be withdrawn (step S1609).

  If the bill amount can be deducted from the account of the maker (Yes at step S1605), the status code of the corresponding record in the bill withdrawal table 121 is changed to “completed” (step S1606), and the bill amount is sent through the online partner network. Is sent to the requesting bank (step S1607), and a response is sent to the requesting source that the payment has been completed normally (step S1609).

  Upon receiving a response to the electronic bill settlement request (step S1502), the request bill canceling unit 119 makes a settlement request if the content indicates that the settlement has been completed normally (step S1503 affirmative). The status code of the record in the bill collection table 122 corresponding to the electronic bill is changed to “completed” (step S1504), and the bill amount is deposited into the account set in the record (step S1505).

  On the other hand, if the content of the response does not indicate that the settlement has been completed normally (No at step S1503), the status code of the record in the bill collection table 122 corresponding to the electronic bill requested for settlement is changed to “undelivered”. (Step S1506).

  The functions of the electronic bill operation apparatus 100 described in the above embodiment can be realized by executing a prepared electronic bill operation program on a computer. Therefore, in the following, an example of a computer that executes an electronic bill operation program will be described.

  FIG. 21 is a functional block diagram showing a computer 1000 that executes the electronic bill operation program 1071. The computer 1000 includes a CPU (Central Processing Unit) 1010 that executes various arithmetic processes, an input device 1020 that receives input of data from a user, a monitor 1030 that displays various information, a recording medium that records various programs, and the like. Medium reading device 1040 for reading a program and the like from network, network interface device 1050 for exchanging data with other computers via a network, RAM (Random Access Memory) 1060 for temporarily storing various information, and hard disk device 1070 is connected by a bus 1080.

  The hard disk device 1070 includes an electronic bill operation program 1071 having the same function as the control unit 110 shown in FIG. 9 and electronic bill operation data corresponding to various data stored in the storage unit 120 shown in FIG. 1072 is stored. The electronic bill operation data 1072 can be appropriately distributed and stored in another computer connected via a network.

  Then, the CPU 1010 reads out the electronic bill operation program 1071 from the hard disk device 1070 and develops it in the RAM 1060, so that the electronic bill operation program 1071 functions as the electronic bill operation process 1061. Then, the electronic bill operation process 1061 expands the information read from the electronic bill operation data 1072 in the area allocated to itself on the RAM 1060 as appropriate, and executes various data processing based on the expanded data.

  Note that the electronic bill operation program 1071 is not necessarily stored in the hard disk device 1070, and the computer 1000 may read and execute the program stored in a storage medium such as a CD-ROM. Good. The computer 1000 stores the program in another computer (or server) connected to the computer 1000 via a public line, the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), or the like. You may make it read and run a program from these.

  As described above, in this embodiment, since billing and remittance for electronic bill settlement are performed through a network, electronic bill operation is provided for each financial institution and load balancing is performed. The offset process can be performed quickly.

  Note that the various configurations shown in this embodiment are merely examples, and the arrangement and the like can be changed without departing from the scope of the invention.

(Appendix 1) An electronic bill operation program for operating an electronic bill,
A search procedure for searching for electronic bill information whose due date has arrived from storage means for storing electronic bill information for which a collection request has been accepted at the financial institution;
A billing procedure for charging a settlement of an electronic bill whose information has been retrieved by the retrieval procedure to a financial institution from which the electronic bill was issued, through a network;
A result of storing in the storage means that the settlement of the electronic bill corresponding to the request has been normally completed when a response is sent to the financial institution in response to the request by the request procedure An electronic bill operating program characterized by causing a computer to execute a recording procedure.

(Supplementary note 2) In the result recording procedure, when a response indicating that the billing amount cannot be transferred to the billing by the billing procedure, the electronic means corresponding to the bill has been undelivered in the storage means. The electronic bill operation program according to appendix 1, which is stored.

(Appendix 3) When a response is sent to the financial institution in response to the request according to the request procedure, the charged amount is deposited in the account of the holder of the electronic bill corresponding to the request. The electronic bill operation program according to appendix 1 or 2, further causing a computer to execute a depositing procedure.

(Appendix 4) When a request for settlement of an electronic bill issued by the financial institution is received, information on the corresponding electronic bill from the storage means for storing information on the electronic bill issued by the financial institution If the withdrawal is successful, if the withdrawal is successful, remit the amount to the requesting financial institution through the online partner network, The electronic bill operation program according to any one of appendices 1 to 3, further causing a computer to execute a withdrawal procedure for responding to the request source.

(Supplementary note 5) The electronic bill operation program according to supplementary note 4, wherein if the withdrawal is not successful, the withdrawal procedure responds to the request source to that effect.

(Appendix 6) An electronic bill operating device for operating an electronic bill,
Search means for searching for electronic bill information whose due date has arrived from storage means for storing information on electronic bills accepted for collection at the financial institution;
Billing means for charging a settlement of an electronic bill whose information has been retrieved by the retrieval means to a financial institution that originated the electronic bill via a network;
A result of storing in the storage means that the settlement of the electronic bill corresponding to the request has been completed normally when a response is sent to the financial institution in response to the claim by the claim means An electronic bill operating device comprising a recording means.

(Appendix 7) An electronic bill operating method for operating an electronic bill,
A search step for searching for electronic bill information whose due date has arrived, from storage means for storing information on the electronic bill accepted for collection at the financial institution;
Charging the electronic bill settlement for which information has been retrieved in the retrieval step to a financial institution that originated the electronic bill through a network; and
A result of storing in the storage means that the settlement of the electronic bill corresponding to the request has been normally completed when a response is sent to the financial institution in response to the request by the claim process An electronic bill operating method characterized by including a recording process.

  As described above, the electronic bill operation program and the electronic bill operation device according to the present invention are useful for the operation of the electronic bill, and in particular, the electronic bill is operated while providing a plurality of systems for operating the electronic bill to achieve load distribution. This is suitable when it is necessary to perform the offset process quickly.

It is a figure which shows the structure of the electronic bill operation system which concerns on a present Example. It is a figure which shows the flow of a process after an electronic bill is drawn out until collection is requested. It is a figure which shows the flow of a process in case an electronic bill is transferred to endorsement. It is a figure which shows the flow of a process in case an electronic bill is transferred to endorsement. It is a figure which shows the flow of a process in case an electronic bill is discounted. It is a figure which shows the flow of a process in case an electronic bill is transferred and divided | segmented. It is a figure which shows the flow of the cancellation process of an electronic bill. It is a figure which shows the flow of the cancellation process of an electronic bill. It is a functional block diagram which shows the structure of the electronic bill operation apparatus which concerns on a present Example. It is a figure which shows an example of a bill ejection table. It is a figure which shows an example of a bill collection table. It is a figure which shows an example of an endorsement history table. It is a figure which shows an example of a bill discount table. It is a figure which shows an example of a bill transfer table. It is a flowchart which shows the process sequence at the time of the electronic bill drafting. It is a flowchart which shows the process sequence at the time of the collection request | requirement of an electronic bill. It is a flowchart which shows the process sequence at the time of the endorsement request | requirement of an electronic bill. It is a flowchart which shows the process sequence at the time of the discount request of an electronic bill. It is a flowchart which shows the process sequence at the time of the transfer and division | segmentation request | requirement of an electronic bill. It is a flowchart which shows the process sequence of cancellation processing. It is a functional block diagram which shows the computer which executes an electronic bill operation program.

Explanation of symbols

DESCRIPTION OF SYMBOLS _1, 2 Network 10 _{1-10 m} bank 20 Certification authority 30 Gateway apparatus 40 Offset center 100-102 Electronic bill operation apparatus 110 Control part 111 Hand drawing part 112 Bill collection reception part 113 Bill endorsement part 114 Bill discount part 115 Bill transfer part 115 116 bill verification unit 117 bill information inquiry unit 118 query handling unit 119 bill cancellation unit 120 storage unit 121 bill draft table 122 bill collection table 123 endorsement history table 124 bill discount table 125 bill transfer table 130 network interface unit 200 ₁ to 200 _n , 201,202 electronic bill store terminal 300 gateway apparatus 400, 401 IC card 410, 411 bills information 420 and 421 digital certificate 430 endorsement information 440 digital certificate 500 ₁ to 500 _k electrostatic Bill the customer terminal 1000 computer 1010 CPU
1020 Input device 1030 Monitor 1040 Medium reader 1050 Network interface device 1060 RAM
1061 Electronic bill operation process 1070 Hard disk device 1071 Electronic bill operation program 1072 Electronic bill operation data 1080 Bus

Claims (5)

An electronic bill operation program for operating electronic bills,
A search procedure for searching for electronic bill information whose due date has arrived from storage means for storing electronic bill information for which a collection request has been accepted at the financial institution;
A billing procedure for charging a settlement of an electronic bill whose information has been retrieved by the retrieval procedure to a financial institution from which the electronic bill was issued, through a network;
A result of storing in the storage means that the settlement of the electronic bill corresponding to the request has been normally completed when a response is sent to the financial institution in response to the request by the request procedure An electronic bill operating program characterized by causing a computer to execute a recording procedure.   In the result recording procedure, when a response indicating that the billing amount cannot be transferred in response to the billing by the billing procedure, the storage means stores the fact that the electronic bill corresponding to the bill has failed. The electronic bill operation program according to claim 1, wherein   A depositing procedure for depositing the billing amount into the account of the holder of the electronic bill corresponding to the billing when a response indicating that the billing amount has been transferred to the financial institution is made in response to the billing by the billing procedure; 3. The electronic bill operation program according to claim 1, wherein the electronic bill operation program is executed by a computer.   When a request for settlement of an electronic bill issued by the financial institution is received, the information on the corresponding electronic bill is retrieved from the storage means for storing the information of the electronic bill issued by the financial institution, Withdraw the billing amount from the account of the registrant registered in the retrieved information, and if the withdrawal is successful, send the billing amount to the requesting financial institution through the online partner network, and the requester The electronic bill operation program according to any one of claims 1 to 3, further causing a computer to execute a withdrawal procedure for responding to. An electronic bill operating device for operating electronic bills,
Search means for searching for electronic bill information whose due date has arrived from storage means for storing information on electronic bills accepted for collection at the financial institution;
Billing means for charging a settlement of an electronic bill whose information has been retrieved by the retrieval means to a financial institution that originated the electronic bill via a network;
A result of storing in the storage means that the settlement of the electronic bill corresponding to the request has been completed normally when a response is sent to the financial institution in response to the claim by the claim means An electronic bill operating device comprising a recording means.

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