JP2010055515A - Fee output system and fee output method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To accurately and efficiently calculate and output a fee related to handling of a security. <P>SOLUTION: In this fee output system, a reading processing part of a security reception device reads a clearing house number and a financial institution number printed on a clearing reference number column or a clear band part in the security, a storage part of the security reception device stores fee information wherein a fee corresponding to a combination of the clearing house number and the financial institution number, a fee calculation processing part of the security reception device calculates the fee based on the stored fee information, and the read clearing house number and financial institution number, and notifies a management device about security information including the calculated fee, and totaling processing part of the management device totals the fees included in the security information notified from the security reception device in each customer using the security. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a fee output system that outputs a fee for handling securities in a securities depositing device that captures and stores securities, or a management device that communicates with the securities depositing device and the securities depositing device. More particularly, the present invention relates to a fee output system and a fee output method capable of accurately and efficiently calculating and outputting a fee for handling securities.

  Conventionally, a financial institution such as a bank is provided with a cashier as a cash processing machine for managing cash deposits and withdrawals in a store. The person in charge at the counter uses such a depositing / dispensing machine to perform cash withdrawals to the cash deposit / withdrawal machine at the counter, and to perform cash withdrawals collected from the cash dispenser at the counter. In addition, the foreign affairs officers carry out the withdrawal process for taking out cash etc. to the outside party and the depositing process for the cash brought back from the outside party.

  Also, a securities depositing system has been proposed in which securities depositing machines that accept securities such as checks and promissory bills and read the face value are connected to the above-mentioned depositing / dispensing machines via the network to deposit securities (for example, Patent Document 1). According to such a securities deposit system, deposit processing using securities can be performed efficiently.

JP 2006-146831 A

  However, in the past, the calculation of handling fees (hereinafter simply referred to as “fees”) when handling securities such as checks has not been automated, and it has been necessary to visually check the ticket surface by the bank staff. . Specifically, the above-mentioned fee varies depending on the type of securities such as checks and promissory notes. Further, different fees are applied depending on factors such as whether the bank where the securities are drawn out is the same as the bank where the securities are brought in, whether the bank passes through a securities exchange, or whether it is a customer.

  Thus, conventionally, it has been necessary to confirm each element described above by visual observation by a bank clerk and to perform complicated fee calculation. For this reason, there has been a problem that the calculation of the fee for handling securities is inefficient. In addition, there has been a problem that a fee calculation error is likely to occur through a visual inspection by a bank employee, and the calculated fee becomes inaccurate.

  For these reasons, a major issue is how to realize a fee output system or a fee output method that can accurately and efficiently calculate and output a fee for handling securities.

  The present invention has been made to solve the above-described problems caused by the prior art, and provides a fee output system and a fee output method capable of accurately and efficiently calculating and outputting a fee for handling securities. The purpose is to provide.

  In order to solve the above-described problems and achieve the object, the present invention provides a securities depositing apparatus that captures and stores securities, or a management apparatus that communicates with the securities depositing apparatus and the securities depositing apparatus, A fee output method for outputting a fee related to the handling of securities, wherein the securities depositing device reads the exchange number and the financial institution number printed on the exchange reference number column or the clear band part in the securities. A storage step in which the securities depositing device or the management device stores fee information defining the fee corresponding to a combination of the exchange number and the financial institution number, and the exchange read by the reading step Based on the location number and financial institution information and the fee information stored in the storage step, the securities are entered. Apparatus or the management apparatus is characterized in that it includes a fee calculation step of calculating the fee.

  Further, the present invention, in the above invention, further includes a counting step in which the securities depositing device or the management device totals for each customer who uses the securities for the fee calculated in the fee calculating step. It is characterized by.

  Further, the present invention is the above invention, wherein the fee information defines a fee discount rate corresponding to the customer for each combination of the exchange number and the financial institution number, and the fee calculation step includes: The fee is calculated based on the fee discount rate of the fee information.

  Further, the present invention is the above invention, wherein the fee information defines the fee amount corresponding to the customer for each combination of the exchange number and the financial institution number, and the fee calculation step includes: The fee is calculated based on the fee amount of the fee information.

  Further, the present invention is the above invention, wherein the counting step totals the fee calculated by the fee calculating step over a predetermined period, and the totaling result by the counting step is calculated for each of the customers. It is further characterized by further comprising a printing step for printing by the securities depositing device or the management device.

  Further, the present invention is the above invention, wherein the fee information includes a date and / or time for validating the fee information, and the fee calculating step includes the date and / or time for validating the fee information. The fee is calculated using the fee information that has been reached.

  In addition, the present invention outputs a fee related to handling of the securities by the securities depositing device that captures and stores the securities, or the management device that communicates with the securities depositing device and the securities depositing device. In the fee output system, the securities depositing apparatus includes a reading unit that reads an exchange number and a financial institution number printed on an exchange reference number column or a clear band part in the securities, and the securities depositing apparatus. Alternatively, the management device may store storage information that defines the fee corresponding to the combination of the exchange number and the financial institution number, and the exchange number and financial institution information read by the reading means. Fee calculation means for calculating the fee based on the fee information stored in the storage means; Characterized by comprising.

  According to the present invention, the securities depositing device reads the exchange number and the financial institution number printed on the exchange reference number column or the clear band part in the securities, and corresponds to the combination of the exchange number and the financial institution number. The securities depositing device or management device stores the fee information that defines the fee, and the securities depositing device or management device calculates the fee based on the read exchange number and financial institution information and the stored fee information. As a result, it is possible to accurately and efficiently calculate and output commissions related to the handling of securities by calculating different combinations of exchange number and financial institution number, and different fees for each customer. There is an effect.

  Further, according to the present invention, since the securities depositing device or the management device aggregates the calculated fee for each customer who uses the securities, the fee for each customer can be clarified. Play.

  According to the present invention, the fee information is a fee discount rate corresponding to the customer for each combination of exchange number and financial institution number, and the fee is calculated based on the fee discount rate of the fee information. Therefore, it is possible to calculate a different fee for each customer with a simple setting.

  Further, according to the present invention, the fee information defines a fee amount corresponding to the customer for each combination of the exchange number and the financial institution number, and calculates the fee based on the fee amount of the fee information. As a result, it is possible to flexibly handle different fees for each customer.

  In addition, according to the present invention, the calculated fee is totaled over a predetermined period, and the total result is printed by the securities depositing device or the management device for each customer. There is an effect that it can be performed.

  According to the present invention, the fee information includes a date and / or time for validating the fee information, and the fee is calculated by using the fee information that has reached the date and / or time when the fee information is validated. Therefore, it is possible to flexibly cope with the fee change by reserving the fee change.

  Exemplary embodiments of a fee output system and a fee output method according to the present invention will be described below in detail with reference to the accompanying drawings. In the following, after describing the outline of the fee output method according to the present invention, an embodiment of the fee output system to which the fee method according to the present invention is applied will be described.

  First, an outline of the fee output method according to the present invention will be described with reference to FIG. FIG. 1 is a diagram showing an outline of a fee output method according to the present invention. In the figure, a scanned image of a check (a check image 101 on the surface), which is a kind of securities, is shown.

  As shown in the figure, the check image 101 on the front surface includes an exchange reference number column 101a, an originator description column 101b, and a clear band portion 101c. Here, the exchange number and the financial institution number are printed in the exchange reference number column 101a, and the exchange number and the financial institution number are also printed in a predetermined format and font on the clear band portion 101c.

  Conventionally, the amount of money in securities such as checks (“¥ 6,923” in 101 in the figure) has been recognized by techniques such as OCR (Optical Character Reader). The acquisition of was automated. However, the calculation of fees related to the handling of securities is through visual confirmation by the bank staff, resulting in errors in calculation of fees and delays in calculation processing.

  The handling fees for securities vary depending on the combination of exchange number and financial institution number, and also differ depending on the customer category such as specialty customers and general customers, and the fee calculation processing is complicated. It was a thing.

  Therefore, in the fee output method according to the present invention, the exchange number and financial institution number printed on the exchange reference number column or clear band part in the securities are read, and the read exchange number and financial institution number are prepared in advance. The fee is calculated based on the received fee information. The customer name is acquired by recognizing characters in the maker description column 101b.

  Here, the fee information is defined as a fee category that defines which combination of exchange number and financial institution number falls into multiple categories, and a fee corresponding to each fee category is defined for each customer or customer group This information includes customer classification.

  Thus, in the fee output method according to the present invention, the exchange number and financial institution number in securities such as checks are acquired (see (1) in FIG. 1), and the fee information including the fee category and customer category is obtained. Based on this, collection fees were calculated (see (2) in Fig. 1). In addition, the collected collection fees were counted for each customer (see (3) in FIG. 1).

  Therefore, according to the fee output method according to the present invention, it is possible to accurately and efficiently calculate and output a fee related to handling of securities. Hereinafter, an embodiment of a fee output system to which the fee output method described with reference to FIG. 1 is applied will be described.

  FIG. 2 is a block diagram illustrating the configuration of each device that configures the fee output system 1 according to the present embodiment. In the present embodiment, the case where the fee output system 1 is configured by the securities depositing apparatus 10 that receives and accumulates securities and the management apparatus 20 such as a so-called open teller machine will be described. The management apparatus 20 may be configured by installing a dedicated program in a connected commercial personal computer or workstation.

  As shown in FIG. 1, the fee output system 1 includes a securities input device 10 and a management device 20. The securities depositing apparatus 10 includes an input unit 11, a display unit 12, an input unit 13, a scanning unit 14, a stacker 15, a communication unit 16, a storage unit 17, and a control unit 18. The storage unit 17 stores fee information 17a, and the control unit 18 further includes an update processing unit 18a, a display processing unit 18b, a reading processing unit 18c, and a fee calculation processing unit 18d.

  In addition, the management device 20 includes a communication unit 21, a printing unit 22, a storage unit 23, and a control unit 24, and the storage unit 23 stores performance information 23a. And the control part 24 is further provided with the performance information registration process part 24a and the total process part 24b.

  Here, the external appearance of the securities depositing apparatus 10 and the management apparatus 20 will be described with reference to FIGS. 3 and 4. FIG. 3 is a diagram showing the external appearance of the securities depositing apparatus 10, and FIG. 4 is a diagram showing the appearance of the management apparatus 20 to which the securities depositing apparatus 10 is connected.

  As shown in FIG. 3, when the securities depositing apparatus 10 is viewed from the outside, the input unit 11, the display unit 12, the input unit 13, the payout unit 31, and the hand-held box 32 are observed. Here, the payout unit 31 is a mechanism for forcibly discharging the securities input from the input unit 13 to the outside of the machine. The hand-held box 32 is a mechanism for inserting non-standard-size or manually entered securities.

  Moreover, as shown in FIG. 4, the securities depositing apparatus 10 is installed integrally with a management apparatus 20 corresponding to a so-called open teller machine. Alternatively, the securities depositing device 10 may be installed as a single unit and connected to the management device 20 installed at a location distant from the securities depositing device 10 via a network such as a LAN.

  Returning to the description of FIG. 2, each component of the securities depositing apparatus 10 will be described. The input unit 11 is an input device such as a keyboard or a touch panel, and inputs various operation commands to the securities depositing apparatus 10, for example, an update command for fee information 17a described later.

  The display unit 12 is a display device such as a liquid crystal display, and displays operation guidance, an image of the read securities, and the like. The input unit 13 is a hopper that receives one or more securities. When a plurality of securities are received, the input unit 13 sends the securities one by one to the scanning unit 14.

  The scanning unit 14 is an imaging device such as a CCD (Charge Coupled Devices) camera, and acquires an image of the securities conveyed from the input unit 13. Here, the scanning unit 14 acquires an image image of the front surface of the securities and also acquires an image image of the back surface. The image is also acquired for the back side because there is a case that the bearer (customer) who is different from the writer listed on the front side of the securities is listed on the back side of the securities (endorsement). is there.

  Here, the image of the securities acquired by the scanning unit 14 will be described with reference to FIGS. FIG. 5 is a diagram showing an example of a check image, and FIG. 6 is a diagram showing the contents of the exchange reference number column. FIG. 7 is a diagram illustrating an example of a promissory note image.

  FIG. 5 (1) shows a check image 101 on the front surface, and FIG. 5 (2) shows a check image 102 on the back surface. As shown in (1) of FIG. 5, the check image 101 on the front surface includes an exchange reference number column 101a, an originator description column 101b, and a clear band portion 101c. Here, the contents of the exchange reference number column 101a will be described with reference to FIG.

  As shown in FIG. 6, the exchange reference number field 101a includes a bill exchange office name (“Tokyo” exchange office in the figure), a unified bill exchange office number (“1301” in the figure), a unified financial institution. A number (“1234” in the figure and a store number (“012” in the figure)) is included.

  Here, the “Unified Bill Exchange Number” is an identification number (exchange number) corresponding to each bill exchange name, and the “Unified Financial Institution Number” identifies the financial institution such as the bank that issued the securities. Identification number (financial institution number). The “store number” is an identification number that represents the main branch of the financial institution corresponding to the unified financial institution number.

  Returning to the description of FIG. 5, the description of the check image 101 on the surface will be continued. In the maker description column 101b, the name of the corporation or individual that has drawn out the securities is written. The clear band portion 101c is printed by MICR (Magnetic Ink Character Recognition) method, and an exchange number, a financial institution number, and the like are printed in a font called E13B font.

  In addition, as shown in (2) of FIG. 5, the check image 102 on the back side may include an endorsement 102a representing the bearer (customer). This endorsement 102a is printed when the carrying person is different from the maker described in the maker description column 101b. The method of using the endorsement 102 will be described later with reference to FIG.

  FIG. 7 (1) shows a front promissory note image 71, and FIG. 7 (2) shows a back promissory note image 72. As shown in (1) of FIG. 7, the promissory note image 71 on the front surface includes, as with the check image 101 on the front surface, an exchange reference number column 71a, a writer description column 71b, and a clear band portion 71c. Yes.

  Further, as shown in (2) of FIG. 7, an endorsement 72a representing a bearer (customer) may be described in the promised bill image 72 on the back side. This endorsement 72a is printed when the carrying person is different from the maker described in the maker description column 71b. Unlike the endorsement 102a in the check image 102 on the back side, the endorsement 72a is provided with an area for printing a plurality of endorsements 72a.

  Returning to the description of FIG. 2, the description of the components of the securities depositing apparatus 10 will be continued. The stacker 15 is a mechanism for storing securities whose image is acquired by the scanning unit 14. The securities stored in the stacker 15 are carried out of the machine by a clerk who is permitted to open a door (not shown). The communication unit 16 includes a communication device such as a LAN (Local Area Network) board, and transmits / receives data to / from the management apparatus 20.

  The storage unit 17 includes a storage device such as a nonvolatile memory or a hard disk drive, and stores fee information 17a. Here, the fee information 17a will be described with reference to FIGS. FIG. 8 is a diagram showing a fee classification table constituting the fee information 17a, and FIG. 9 is a diagram showing a customer classification table constituting the fee information 17b.

  As shown in FIG. 8, the fee classification table is a table that defines fee classifications for fees for combinations of financial institution numbers and exchange number. Although the figure shows the case where four fee categories are provided, the number of categories may be other than four.

  In “Category 1 (Main branch)” in the figure, the financial institution number of the financial institution that issued the securities is the same as the financial institution number of the financial institution that brought in the securities. This is a fee category when the exchange number of the exchange that has jurisdiction over the financial institution is the same as the exchange number that has jurisdiction over the financial institution where the securities are brought in. In the figure, it is defined that the financial institution number corresponding to the category 1 is “1234” and the exchange number is “1301”.

  In “Category 2 (Head office, etc.)”, the financial institution number of the financial institution that issued the securities is the same as the financial institution number of the financial institution that brought in the securities, but the securities were issued. This is a fee classification when the exchange number of the exchange that has jurisdiction over the financial institution is different from the exchange number that has jurisdiction over the financial institution where the securities are brought in. In the figure, it is defined that the financial institution number corresponding to the category 2 is “1234” and the exchange number is “other than 1301”.

  In “Category 3 (other locations)”, the financial institution number of the financial institution that issued the securities differs from the financial institution number of the financial institution that brought in the securities. This is a fee category when the exchange number of the exchange that has jurisdiction is the same as the exchange number that has jurisdiction over the financial institution where the securities are brought in. In the figure, it is defined that the financial institution number corresponding to the category 3 is “other than 1234” and the exchange number is “1301”.

  In “Category 4 (other banks and other places)”, the financial institution number of the financial institution that issued the securities differs from the financial institution number of the financial institution that brought in the securities. This is a fee category when the exchange number of the exchange that has jurisdiction differs from the exchange number that has jurisdiction over the financial institution where the securities are brought in. In the figure, it is defined that the financial institution number corresponding to the category 4 is “other than 1234” and the exchange number is “other than 1301”.

  In this way, in the fee category table, a plurality of fee categories can be defined for combinations of financial institution numbers and exchange number.

  Next, the customer classification table shown in FIG. 9 will be described. Note that (1) in FIG. 9 shows the case where the fee amount is defined for each customer category indicating the customer group for each fee category shown in FIG. 8, and (2) in FIG. For each fee category shown, the case where the fee discount rate is defined for each customer category is shown.

  As shown in (1) of FIG. 9, when the customer category is “normal” for the fee category (category 1 to category 4) shown in FIG. 8, category 1 is “210 yen”, category 2 Is “525 yen”, Category 3 is 525 yen, and Category 4 is “525 yen”.

  In addition, when the customer category is “category A”, the category 1 is “0 yen”, the category 2 is “420 yen”, the category 3 is “420 yen”, and the category 4 is “630 yen”. Is defined. When the customer category is “Category B”, the category 1 is “105 yen”, the category 2 is “210 yen”, the category 3 is “210 yen”, and the category 4 is “420 yen”. Is defined. In FIG. 9, “normal”, “class A”, and “class B” are shown as examples of customer categories, but other customer categories can be defined in the same manner as these customer categories.

  Here, instead of defining each commission amount in the customer category table as in (1) of FIG. 9, fee discount for the standard category (“normal” in the diagram) as in (2) of FIG. The rate may be defined in the customer classification table.

  For example, as shown in (2) of the figure, when the fee category is Category 1 and the customer category is “Category A”, the fee discount rate is “100%”, so the fee amount is “210 yen × ( 1.0-1.0) = 0 yen ". In addition, since the fee discount rate is “60%” when the fee category is Category 3 and the customer category is “Category B”, the fee amount is “525 yen × (1.0−0.6) = 210 yen”. Will be calculated.

  Thus, by defining the commission discount rate in the customer category table, it becomes easy to apply the discount rate determined for each customer category. Although (2) in FIG. 9 shows the case where the fee discount rate is defined, it is also possible to define a fee rate indicating a ratio to the reference fee amount. In this case, if the fee rate is “75%” and the standard fee amount is “840 yen”, the fee amount is calculated as “840 yen × 0.75 = 630 yen”.

  Note that, for each customer category in the customer category table shown in FIG. 9, the date and time when the defined fee amount or fee discount rate is validated can be designated. In this way, it is possible to easily make a reservation for changing the fee.

  Returning to the description of FIG. 2, the control unit 18 of the securities depositing apparatus 10 will be described. The control unit 18 performs processing for recognizing the exchange number and financial institution number from the securities image received from the scanning unit 14, and also recognizes the recognized exchange number and financial institution number, and fee information 17a (see FIG. 8 and FIG. 9), a fee is calculated, and the securities information including the calculated fee is notified to the management apparatus 20 via the communication unit 16.

  The update processing unit 18a is a processing unit that receives an update instruction for the fee information 17a from the input unit 11 and performs processing for updating the fee information 17a based on the received update instruction. Further, as described above, since the fee information 17a can designate the date or time when each fee is validated, the update processing unit 18a is designated via the input unit 11 when updating the fee information 17a. The valid date and time is registered for each element of the fee information 17a. Note that the fee processing information 17a received from the input unit 11 may be temporarily held by the update processing unit 18a, and the held fee information 17a may be updated to a specified activation date and time.

  The display processing unit 18b performs processing for controlling display on the display unit 12 such as the fee calculated by the fee calculation processing unit 18d, the securities image acquired by the scanning unit 14, and the operation guide for the securities depositing apparatus 10. It is a processing unit.

  Here, an example of a screen displayed on the display unit 12 by the display processing unit 18b will be described with reference to FIG. FIG. 10 is a diagram showing a ticket face confirmation screen. In addition, (1) in the figure shows a screen for confirming the securities image on the front surface, and (2) in the figure shows a screen for confirming the securities images on the back surface.

  As shown in (1) of FIG. 10, the securities image confirmation screen 201 on the surface includes an image image display area 201a. In the case shown in FIG. 10, the image image display area 201a includes: A check image 101 on the front surface is displayed. The front-side securities image confirmation screen 201 includes a plurality of types of securities (such as “other store voucher 1” and “other store voucher 2” shown in the figure) that are inserted at a time, for each type. Amount and total amount of all types are displayed.

  In addition, on the securities image confirmation screen 201 on the front surface, the amount of the check image 101 displayed in the image image display area 201a, the exchange number, the financial institution (financial institution number), the branch (branch number), the customer classification (same as above) In the figure, “normal”), fee categories (“category 4 (other banks and other places)” in the figure) and fees calculated using the fee information 17a described above are displayed.

  In addition, when changing a customer classification, if a predetermined command is input via the input part 11, the securities image confirmation screen 202 on the back side shown in (2) of FIG. 10 will be displayed. The securities image confirmation screen 202 on the back side includes an image image display area 202a. In the case shown in the figure, the check image 102 on the back side is displayed in the image image display area 202a.

  In FIG. 10 (1), the customer classification is determined to be “normal” based on the front side image, but the operator who visually confirms the check image 102 on the back side is shown in FIG. 10 (2). By selecting the button corresponding to each customer category, the customer category determined as “normal” can be changed to another customer category. In the figure, the button corresponding to the category A is selected in order to change the customer category to the category A.

  Returning to the description of FIG. 2, the reading processing unit 18 c will be described. The reading processing unit 18 c is a processing unit that performs processing for acquiring character information or symbol information such as an exchange number, a financial institution number, and a maker from each securities image received from the scanning unit 14. The reading processing unit 18c also performs a process of passing the read information to the fee calculation processing unit 18d.

  The fee calculation processing unit 18d calculates a fee related to the handling of each security based on the information such as the exchange number and the financial institution number received from the reading processing unit 18c and the fee information 17a read from the storage unit 17. A processing unit that performs processing.

  The fee calculation processing unit 18d also performs a process of notifying the management device 20 of the securities information including the calculated fee via the communication unit 16. Note that the securities information includes information for identifying the originator or the owner of each securities, and information such as the time when the securities depositing apparatus 10 accepts the securities.

  In addition, when a plurality of securities are inserted, the fees may be collectively notified to the management apparatus 20 after the fees for all securities are calculated. Each fee may be notified to the management device 20 each time it is calculated.

  Next, each component of the management apparatus 20 will be described. The communication unit 21 includes a communication device such as a LAN (Local Area Network) board, and transmits / receives data to / from the securities depositing apparatus 10. The printing unit 22 is a printing device that prints a form or a receipt including the commissions totaled for each customer by the totaling processing unit 24b. Note that the printing unit 22 waits for the fee printing when the fee is charged, so it is possible to prevent the drafting and to secure the fee income.

  Here, an example of a form output by the printing unit 22 will be described with reference to FIG. FIG. 11 is a diagram illustrating an example of a fee form. This figure illustrates a post-collection fee management table 211 that is stored until a due date for monthly processing or the like and is used when a fee is charged for each customer.

  As shown in the figure, the post-collection fee management table 211 includes a collection fee area 211a. The collection fee area 211a includes the date and time when the securities are received, the customer to be billed, and the number of each type of securities. And the fee, total number of sheets, total fee, etc. are printed. The contents printed in the collection fee area 211a are also printed on receipts to be given to customers in addition to the post-collection fee management table 211 shown in FIG.

  Returning to the description of FIG. 2, the storage unit 23 will be described. The storage unit 23 is configured by a storage device such as a nonvolatile memory or a hard disk drive, and stores performance information 23a. The track record information 23a is a track record of a fee registered by the track record information registration processing unit 24a of the control unit 24, and includes information such as a fee, a customer identifier, and a date and time when the fee is generated.

  The control unit 24 receives the securities information including the fee from the securities depositing apparatus 10, associates the fee with the customer information, processing date and time, etc., and registers it as the performance information 23a in the storage unit 23. Are counted, and each time securities are processed, or a process such as monthly processing is performed to output them as receipts or forms.

  The performance information registration processing unit 24a performs processing for registering the securities information received from the securities depositing device 10 via the communication unit 21 with the customer information and the processing date and time as the performance information 23a in the storage unit 23. Part. Further, the totalization processing unit 24b is a processing unit that performs processing for causing the printing unit 22 to print the form illustrated in FIG. 10 when a predetermined instruction is received or when a predetermined date and time has arrived.

  Next, a processing procedure executed by each device constituting the fee output system 1 will be described with reference to FIG. FIG. 12 is a flowchart showing a processing procedure executed by each device constituting the fee output system 1. As shown in the figure, if the reading processing unit 18c of the securities depositing apparatus 10 reads the exchange number and the financial institution number (step S101), the fee calculation processing unit 18d reads the exchange read in step S101. The fee information 17a is searched using the office number and the financial institution number (step S102), and the fee for handling each securities is calculated and stored (step S103).

  Subsequently, it is determined whether or not there is a new security (step S104). If there is a new security (step S104, Yes), the processing after step S101 is repeated. On the other hand, when there is no new securities (No at Step S104), the securities information is notified to the management device 20 (Step S105), and the process is terminated.

  In addition, the management device 20 determines whether there is a notification of the securities information from the securities depositing device 10 (step S106), and if there is a notification of the securities information (step S106, Yes), the result The information registration processing unit 24a updates the record information 23a (step S107). If there is no notification of the securities information (No at Step S106), the process at Step S106 is repeated.

  Subsequently, the aggregation processing unit 24b determines whether or not there is an aggregation instruction (step S108). If there is an aggregation instruction (step S108, Yes), the fee for each customer is calculated based on the record information 23a. After summing up (step S109), the summing result is output to the printing unit 22 and the process is terminated. In addition, when the determination condition of step S108 is not satisfied (step S108, No), the processing after step S106 is repeated.

  By the way, until now, the securities depositing apparatus 10 stores the fee information 17a, the fee calculation processing unit 18d calculates the fee based on the fee information 17a, and manages the securities information including the calculated fee. The case of notifying the device 20 has been described. However, the present invention is not limited to this, and the securities deposit apparatus 10 may be configured not to store the fee information 17a. Therefore, hereinafter, a configuration in which the fee information 17a is stored on the management device 20 side will be described.

  FIG. 13 is a block diagram showing the configuration of each device constituting the fee output system 1a according to the modification. In the figure, the same components as those in FIG. 2 are denoted by the same reference numerals as those in FIG. As shown in the figure, the securities depositing apparatus 10a does not store fee information 17a, and the management device 20a stores fee information 17a. Accordingly, the securities depositing apparatus 10a notifies the management apparatus 20a via the communication unit 16 of information including the exchange number and the financial institution number read by the reading processing unit 18c as securities information.

  On the other hand, in the management device 20a, the fee calculation processing unit 18d receives the securities information (information including the exchange number and the financial institution number) notified from the securities depositing device 10a via the communication unit 21, and receives the received securities. The fee is calculated based on the information and the fee information 17a in the storage unit 23. Then, the fee calculation processing unit 18d passes the calculated fee to the performance information registration processing unit 24a. The operation of the other components is the same as in FIG.

  Next, a processing procedure executed by each device constituting the fee output system 1a according to the modification shown in FIG. 13 will be described with reference to FIG. FIG. 14 is a flowchart showing a processing procedure executed by each device constituting the fee output system 1a according to the modification.

  As shown in the figure, when the reading processing unit 18c of the securities depositing apparatus 10a reads the exchange number and the financial institution number (step S201), it is determined whether there is a new securities (step S201). S202) When there is a new securities (step S202, Yes), the processing after step S201 is repeated. On the other hand, if there is no new securities (step S202, No), the securities information is notified to the management apparatus 20 (step S203), and the process is terminated.

  In addition, the management device 20a determines whether there is a notification of the securities information from the securities depositing device 10a (step S204), and if there is a notification of the securities information (step S204, Yes), a fee is charged. The calculation processing unit 18d searches the fee information 17a based on the securities information notified from the securities depositing apparatus 10a (step S205), and calculates the fee. Then, the record information registration processing unit 24a adds the fee information calculated by the fee calculation processing unit 18d to the record information 23a (step S206).

  Subsequently, the aggregation processing unit 24b determines whether or not there is an aggregation instruction (step S207). If there is an aggregation instruction (step S207, Yes), the commission for each customer is calculated based on the record information 23a. After summing up (step S208), the summing result is output to the printing unit 22 and the process is terminated. In addition, when the determination condition of step S204 is not satisfied (step S204, No), and when the determination condition of step S207 is not satisfied (step S207, No), the processes after step S204 are repeated.

  As described above, in this embodiment, the reading processing unit of the securities depositing device reads the exchange number and the financial institution number printed on the exchange reference number column or the clear band unit in the securities, and deposits the securities. The storage unit of the device stores fee information that defines the fee corresponding to the combination of the exchange number and the financial institution number, and the fee calculation processing unit of the securities depositing device stores the read exchange number and financial institution information. The fee is calculated based on the stored fee information, the securities information including the calculated fee is notified to the management device, and the aggregation processing unit of the management device adds the securities information notified from the securities depositing device. The fee output system was configured to aggregate the fees included for each customer who uses securities.

  Therefore, by combining the exchange number and financial institution number, and calculating different fees for each customer based on the fee information, it is possible to calculate and output the fees for handling securities accurately and efficiently. it can.

  In the above-described embodiment, the fee output system is configured by the securities depositing device and the management device. However, the securities depositing device including the components of the management device described above may be configured. .

  In the above-described embodiment, the case where the E13B font on which MICR (Magnetic Ink Character Recognition) printing is performed is obtained via image data. However, information corresponding to the E13B font is magnetically read by the MICR reader. It is good also as acquiring.

  As described above, the fee output system and the fee output method according to the present invention are useful when it is desired to accurately and efficiently calculate the handling fee of securities handled by a financial institution, and in particular, a form based on fee aggregation for each customer. This is suitable when you want to output efficiently.

It is a figure which shows the outline | summary of the fee output method which concerns on this invention. It is a block diagram which shows the structure of each apparatus which comprises the fee output system which concerns on a present Example. It is a figure which shows the external appearance of securities depositing apparatus. It is a figure which shows the external appearance of the management apparatus with which securities depositing apparatus was connected. It is a figure which shows the example of a check image. It is a figure which shows the content of the exchange reference number column. It is a figure which shows the example of a promissory note image. It is a figure which shows the commission classification table which comprises commission information. It is a figure which shows the customer division table which comprises fee information. It is a figure which shows a ticket surface confirmation screen. It is a figure which shows the example of a fee form. It is a flowchart which shows the process sequence which each apparatus which comprises a fee output system performs. It is a block diagram which shows the structure of each apparatus which comprises the fee output system which concerns on a modification. It is a flowchart which shows the process sequence which each apparatus which comprises a commission output system in a modification performs.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1, 1a Fee output system 10, 10a Securities depositing device 11 Input part 12 Display part 13 Input part 14 Scan part 15 Stacker 16 Communication part 17 Storage part 17a Fee information 18 Control part 18a Update process part 18b Display process part 18c Reading process Section 18d Fee calculation processing section 20, 20a Management device 21 Communication section 22 Printing section 23 Storage section 23a Performance information 24 Control section 24a Performance information registration processing section 24b Total processing section

Claims (7)

A fee output method for outputting a fee relating to handling of the securities in a securities depositing device for taking in and storing securities, or in a management device communicating with the securities depositing device and the securities depositing device, ,
A reading step in which the securities depositing device reads the exchange number and the financial institution number printed on the exchange reference number column or the clear band part in the securities;
A storage step in which the securities depositing device or the management device stores fee information defining the fee corresponding to the combination of the exchange number and the financial institution number;
A fee calculating step in which the securities depositing device or the management device calculates the fee based on the exchange number and financial institution information read in the reading step and the fee information stored in the storing step; A fee output method characterized by including. 2. The fee according to claim 1, further comprising: a counting step in which the securities depositing device or the management device totals the fee calculated by the fee calculating step for each customer who uses the securities. output method. The fee information is
A fee discount rate corresponding to the customer is determined for each combination of the exchange number and the financial institution number,
The fee calculation step includes:
3. The fee output method according to claim 1, wherein the fee is calculated based on the fee discount rate of the fee information. The fee information is
The fee amount corresponding to the customer is determined for each combination of the exchange number and the financial institution number,
The fee calculation step includes:
3. The fee output method according to claim 1, wherein the fee is calculated based on the fee amount of the fee information. The counting process includes
The fee calculated in the fee calculation step is totaled over a predetermined period,
5. The fee output method according to claim 2, further comprising a printing step in which the securities depositing device or the management device prints a counting result of the counting step for each customer. The fee information is
Including the date and / or time to validate the fee information,
The fee calculation step includes:
The fee output method according to any one of claims 1 to 5, wherein the fee is calculated using the fee information that has reached the date and / or time of the activation. A fee output system that outputs a fee related to handling of the securities in a securities depositing device that captures and stores securities, or a management device that communicates with the securities depositing device and the securities depositing device. ,
The securities depositing device is:
A reading means for reading the exchange number and the financial institution number printed on the exchange reference number column or the clear band part in the securities,
The securities deposit device or the management device is:
Storage means for storing fee information defining the fee corresponding to the combination of the exchange number and the financial institution number;
A fee output system comprising: fee calculation means for calculating the fee based on the exchange number and financial institution information read by the reading means and the fee information stored in the storage means .

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