JP2011134141A - Apparatus, program and method for processing payment - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment processing apparatus, etc. which performs payment of costs generated in management operation or the like entrusted from a client of a condominium management association or the like to a trustee of a condominium management company or the like to a payee by transfer to a payee's account based on data prepared by the trustee. <P>SOLUTION: The trustee transmits the payment data of payment generated by management operation from a trustee apparatus to the payment processing apparatus. When new payment data are stored in the payment processing apparatus, the payment processing apparatus reads an e-mail address or an address of the trustee from a customer database and transmits an e-mail or a postal mail for requesting the approval of the payment data to a client apparatus. The client accesses the payment processing apparatus, confirms the payment data, and when approving the performance of transfer, performs approval operation to record an approved result in the payment data. Account transfer data from an management association account to a lock account and comprehensive transfer data from the lock account to a trader account are generated from the approved payment data and these data are transmitted to a bank system. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention provides a payee account based on data created by a trustee for payment to a payee of expenses incurred in a condominium management business entrusted to a trustee such as an apartment management company by a consignor such as an apartment management association The present invention relates to a payment processing apparatus, a payment processing program, and a payment processing method to be executed by transfer to a bank.

  In the management of condominiums, various management tasks such as repairing, cleaning, and security of condominium common areas and the entire building occur separately from individual rooms. These management operations are mainly condominium management associations organized by condominium residents, and are commissioned to contractors such as repair companies, cleaning companies, and security contractors. However, since functions such as paperwork are often not sufficient, it is common to consign management work to an apartment management company.

  Since the costs incurred in these management operations are borne by the condominium management association, as shown in Fig. 1, the requested operations for each company's deposit account that requested the operation from the condominium management association deposit account. It is common that the expenses incurred for are paid by transfer (often a comprehensive transfer that accepts payments to a plurality of payees at once).

  On the other hand, since the business request to each contractor is made by the condominium management company that is the trustee of the management business, the condominium management company knows to which contractor when and how much payment is generated. . Therefore, if the payment data related to the costs incurred is delivered from the condominium management company to the condominium management association, and the condominium management association uses net banking, etc., the transfer data is created from this payment data and the financial institution with the deposit account Need to be sent to the system.

  In order to allow the condominium management company to make payments to the contractor, funds are transferred from the condominium management association deposit account to the condominium management company deposit account by account transfer or transfer, and from the condominium management company deposit account It is conceivable to make payments to the deposit accounts of the respective companies. However, if the funds are transferred to the deposit account of the apartment management company, the funds may be used unintentionally (unauthorized use) (see, for example, paragraphs 0003 to 0007 of Patent Document 1). There are many problems with such a payment method, such as a mechanism for preventing its use.

  As shown in Fig. 2, the condominium management company pays the transfer data (total transfer data) for requesting a total transfer from the condominium management association's deposit account to the deposit account of each business operator. An invention relating to a bank transaction confirmation system in which data is created from data and transmitted to a financial institution, and the financial institution executes a transfer process on condition that the consignee approves the total data is disclosed (see Patent Document 1).

JP 2003-379055 A

  According to the invention described in Patent Document 1, it is considered that a condominium management association or the like is not burdened with transfer data creation or the like, and is effective in preventing the use of funds by the condominium management company. However, in the invention described in Patent Document 1, the financial institution system that executes the transfer process or the like has a function of performing communication with the communication terminal of the consignor for confirming the contract information of the remittance agent contract and obtaining the approval of the consignor. Therefore, it is necessary to add an additional function to the transfer processing function of a normal financial institution system.

  Therefore, the condominium management association is effective in preventing unintended use of funds by the condominium management company without burdening the transfer data creation, etc. In addition, it has normal account transfer and transfer processing functions. In order for the consignees of condominium management companies, etc. who have been entrusted with management work from consignors such as condominium management associations, who do not need to add new special functions to the financial institution system, to pay the expenses incurred in management work A payment processing mechanism is required.

  The present invention has been made in order to cope with such a problem. To a payee of expenses incurred in a condominium management business entrusted to a consignee such as an apartment management company by a consignor such as an apartment management association. It is an object of the present invention to provide a payment processing apparatus, a payment processing program, and a payment processing method for executing the above-mentioned payment by transfer to a payee account based on data created by a trustee.

  The present invention for solving such problems is to execute the payment to the payee of the expenses generated in the management work entrusted to the trustee by the trustee by transferring to the payee account based on the data created by the trustee And a consignor data storage means for storing consignor data including an e-mail address or address to be notified to the consignor, a consignor ID for identifying the consignor, and the trustee Payment data for receiving new payment data including a consignor ID of a consignor who performs payment, a payment amount to be paid to a payee, and a payee account designated for payment by transfer from the computer operated by Receiving means, payment data storing means for storing the payment data received by the payment data receiving means, with information relating to the presence or absence of approval of the consignor, and the support data When the payment data received by the data receiving means is stored in the payment data storage means, the e-mail address or address corresponding to the entrustor ID included in the payment data is read from the entrustor data storage means, and the electronic data Approval request execution means for sending an approval request mail requesting approval of the payment data set with an e-mail address as a destination or outputting an approval request notification displaying the address as a destination, and communication operated by the consignor An approval accepting unit that accepts an approval operation for the payment data from the terminal and records the approval data of the consignor in the payment data, and the approval data of the consignor is recorded from the payment data storage unit. Read out one or more payment data, and from the depositor's deposit account, from the trustee on the condition of the approval of the trustee Generate account transfer data to transfer the payment amount recorded in the payment data to a payment account in the name of a financial institution that can execute transfer and transfer based on the request, and transfer processing and transfer to the payment account From the account transfer data transmission means to be transmitted to the financial institution system for executing the process, from the payment data storage means, one or more payment data recorded as approval of the consignor for one consignor is read, Generate transfer data to transfer the payment amount recorded in the payment data from the payment account that can perform transfer and transfer based on the request from the trustee to the payee account recorded in the payment data And a payment data transmitting means for transmitting to the financial institution system.

  In the present invention, it is configured to generate account transfer data and transfer data from payment data of expenses incurred in management operations received from a consignee such as an apartment management company, and send the data to a financial institution system. In this case, it is possible to avoid the burden of creating transfer data and to use a payment account in the name of a financial institution that can perform transfer and transfer based on the data created by the trustee on condition that the trustee approves the payment. For this reason, the funds are not transferred for purposes other than the intended purpose by transferring funds to the account and transferring the funds to the payee. In the present invention, there are two means for making an approval request to the consignor, such as e-mail and postal mail, and the former method is to send an approval request e-mail to the consignor and operate the consignor. An approval operation is accepted from a personal computer or a mobile phone. In the latter method, an approval request notification displaying the consignor's address is output, sent by mail, etc., and the approval operation is accepted from a telephone or the like operated by the consignor.

  In addition, since the account transfer data and transfer data are generated from payment data that has been approved by the consignor such as the condominium management association in advance, it is not necessary to provide a function for the approval processing of the consignor in the financial institution system. If an existing account such as a lock account is adopted as the account, there is no need to add a new function to the existing account management system.

  Further, according to the present invention, the consignor data stored in the consignor data storage means includes an authentication key for authenticating the consignor, and the approval accepting means receives the consignor from the communication terminal. A payment for accepting an approval operation when an ID and an authentication key are received and the combination of the entrustor ID and the authentication key matches the combination of the entrustor ID and the authentication key stored in the entrustor data storage means It can also be characterized by recording approval in the data.

  If comprised in this way, the approval process by the consignor for preventing the non-purpose use of money can be performed more correctly.

  Furthermore, the present invention further comprises an account transfer result receiving means for receiving an account transfer result based on the account transfer data transmitted by the account transfer data transmitting means from the financial institution system, and the transfer data transmitting means includes the account transfer data The transfer data may be transmitted to the financial institution system when the account transfer result received by the transfer result receiving means indicates that the account transfer has been performed normally.

  With this configuration, the payment request to the payee is made after securing the funds for expenses incurred in the management work, thus avoiding the risk of loss to the trustee or financial institution due to lack of funds to pay. Can do.

  Further, according to the present invention, the consignor data stored in the consignor data storage means includes information for specifying two or more deposit accounts provided for each accounting category used for the accounting processing of the consignor, The payment data stored in the payment data storage means includes information relating to the accounting classification in the accounting process of the expenses, and the account transfer data transmission means is included in the payment data read from the payment data storage means Information for identifying a deposit account corresponding to information related to the accounting classification to be read from the consignor data storage means, and generating account transfer data specifying the deposit account as a consignor's deposit account as a transfer source Also good.

  If comprised in this way, it will become possible to manage the expenditure from the funds classified into the general account, repair reserve accounting, etc. which a consignor, such as a condominium management association, manages according to the accounting classification.

  Moreover, this invention can also be specified as a payment processing program with which the payment processing apparatus concerning this invention is equipped.

  The payment processing program according to the present invention is a payment for executing payment to a payee for expenses incurred in management operations entrusted to the trustee by transfer to a payee account based on data created by the trustee. A payment processing computer comprising a consignor data storage means for storing consignor data including an e-mail address or address to be notified to the consignor and a consignor ID for identifying the consignor. New payment data including, from the computer operated by the trustee, the consignor ID of the consignor who pays for the expense, the payment amount to be paid to the payee, and the payee account designated for payment by transfer Payment data reception step for receiving the payment data received in the payment data reception step, information regarding the presence or absence of approval of the consignor A payment data storage step to be stored in the payment data storage means, and when the payment data received in the payment data reception step is stored in the payment data storage means, it is included in the payment data from the consignor data storage means An e-mail address or an address corresponding to the consignor ID to be read is read, and an approval request e-mail is sent to request approval of the payment data with the e-mail address set as a destination, or an approval request notification is displayed with the address as a destination. An approval request execution step for executing the output of the request, an approval reception step for receiving an approval operation for the payment data from the communication terminal operated by the consignor, and recording the approval data of the consignor in the payment data, and the payment One or more payment data recorded from the data storage means as being approved by the contractor for a single contractor. From the deposit account of the trustee to the payment account in the name of a financial institution that can perform transfer and transfer based on a request from the trustee on the condition that the trustee approves the payment data. From an account transfer data transmission step for generating account transfer data for transferring the recorded payment amount and transmitting to the financial institution system for executing the transfer process and the transfer process for the payment account, the payment data storage means One or two or more payment data recorded as having the approval of the consignor is read out from the consignor, and from the payment account that can be transferred and transferred based on the request from the trustee to the payment data A transfer data transmission step of generating transfer data for transferring the payment amount recorded in the payment data to the recorded payee account and transmitting the transfer data to the financial institution system; A payment processing program that is executed.

  In the payment processing program according to the present invention, the consignor data stored in the consignor data storage means includes an authentication key for authenticating the consignor, and in the approval receiving step, The payment processing computer receives a consignor ID and an authentication key from the communication terminal, and the combination of the consignor ID and the authentication key is a combination of the consignor ID and the authentication key stored in the consignor data storage means. If they match, the payment data for which the approval operation has been accepted is recorded as having approval.

  Furthermore, the payment processing program according to the present invention causes the payment processing computer to execute an account transfer result receiving step for receiving an account transfer result based on the account transfer data transmitted in the account transfer data transmitting step from the financial institution system. In the transfer data transmission step, if the account transfer result received in the account transfer result receiving step indicates that the account transfer has been normally performed, the transfer data is transferred to the payment processing computer. The engine system may be transmitted.

  Further, the payment processing program according to the present invention specifies two or more deposit accounts provided for each accounting category used for the accounting processing of the entrustor in the entrusting data stored in the entrustor data storage means. The payment data stored in the payment data storage means includes information related to the accounting category in the accounting process of the expense, and in the account transfer data transmission step, the payment processing computer transmits the information to the payment processing computer. Information specifying the deposit account corresponding to the information related to the accounting category included in the payment data read from the payment data storage means is read from the consignor data storage means, and the deposit account is designated as the transfer source as the deposit account of the consignor It may be characterized in that the generated account transfer data is generated.

  Moreover, this invention can also be specified as the payment processing method performed by the payment processing apparatus concerning this invention, or a payment processing program.

  The payment processing method according to the present invention is a payment for executing payment to a payee for expenses incurred in a management operation entrusted to the trustee by transfer to a payee account based on data created by the trustee. There is a processing method, an e-mail address or address to be notified to the consignor, a payment processing computer comprising consignor data storage means for storing consignor data including a consignor ID for identifying the consignor, From the computer operated by the trustee, new payment data including the trustee ID of the trustee who pays the expense, the payment amount to be paid to the payee, and the payee account designated for the payment by transfer from the computer operated by the trustee A payment data reception step for receiving the payment data received in the payment data reception step by the payment processing computer; A payment data storage step for storing information in the payment data storage means with information relating thereto, and when the payment data received by the payment processing computer in the payment data reception step is stored in the payment data storage means, the consignor Read an email address or address corresponding to the consignor ID included in the payment data from the data storage means, and send an approval request email requesting approval of the payment data with the email address set as the destination, or An approval request execution step for executing an output of an approval request notification displaying an address as a destination, and the payment processing computer receives an approval operation for the payment data from a communication terminal operated by the consignor, and An approval receiving step for recording the approval of the consignor, and the payment processing computer. Reads from the payment data storage means one or more payment data recorded as having the approval of the consignor for one consignor, and is subject to the approval of the consignor from the deposit account of the consignor. Generate account transfer data to transfer the payment amount recorded in the payment data to a payment account in the name of a financial institution that can perform transfer and transfer based on the request from the trustee, and apply to the payment account An account transfer data transmission step to be transmitted to a financial institution system for executing the transfer process and the transfer process, and the payment processing computer recorded from the payment data storage means as having the approval of the consignor for one consignor A payee account recorded in the payment data from a payment account that can read two or more payment data and perform transfer and transfer based on a request from the trustee A payment data transmission step of generating transfer data for transferring the payment amount recorded in the payment data and transmitting the transfer data to the financial institution system.

  In the payment processing method according to the present invention, the consignor data stored in the consignor data storage means includes an authentication key for authenticating the consignor, and in the approval receiving step, The payment processing computer receives a consignor ID and an authentication key from the communication terminal, and a combination of the consignor ID and the authentication key is a combination of a consignor ID and an authentication key stored in the consignor data storage unit. If they match, it can be characterized in that approval is recorded in the payment data for which the approval operation has been accepted.

  The payment processing method according to the present invention further includes an account transfer result receiving step in which the payment processing computer receives an account transfer result based on the account transfer data transmitted in the account transfer data transmitting step from the financial institution system. In the transfer data transmission step, the payment processing computer sends the transfer data when the account transfer result received in the account transfer result receiving step indicates that the account transfer has been normally performed. The data may be transmitted to the financial institution system.

  Furthermore, in the payment processing method according to the present invention, two or more deposit accounts provided for each of the accounting categories used for the accounting process of the entrustor are specified in the entrustor data stored in the entrustor data storage means. The payment data stored in the payment data storage means includes information related to the accounting classification in the accounting processing of the expense, and in the account transfer data transmission step, the payment processing computer Information specifying the deposit account corresponding to the information related to the accounting category included in the payment data read from the payment data storage means is read from the consignor data storage means, and the deposit account is designated as the transfer source as the deposit account of the consignor It is also possible to generate the account transfer data.

  According to the present invention, when a consignee such as an apartment management company that has entrusted management work from a consignor such as an apartment management association pays the expenses incurred in the management work, the condominium management association loads such as transfer data creation In addition to being effective in preventing unintended use of funds by condominium management companies, a new special function is added to a financial institution system equipped with normal account transfer and transfer processing functions. A mechanism is provided to handle the payment of expenses incurred in condominium management operations that are not necessary.

It is a 1st figure which shows the payment scheme which pays the expense which generate | occur | produced in the management business of the apartment. It is a 2nd figure which shows the payment scheme which pays the expense which generate | occur | produced in the management business of the apartment. It is a figure which shows the payment scheme which pays the expense which generate | occur | produced in the management business of the apartment by the payment processing apparatus concerning this invention. It is a figure which shows the flow of the payment process by the payment processing apparatus concerning this invention. It is a block diagram which shows the structure in 1st Embodiment of the payment processing apparatus concerning this invention. It is a block diagram which shows the structure in 2nd Embodiment of the payment processing apparatus concerning this invention. It is a figure which shows an example of the consignor data used with the payment processing apparatus concerning this invention. It is a figure which shows an example of the payment data used with the payment processing apparatus concerning this invention. It is a flowchart which shows the transmission flow of the notification of approval to the consignor by the payment processing apparatus concerning this invention. It is a flowchart which shows the flow which records the approval of the consignor by the payment processing apparatus concerning this invention in payment data. It is a flowchart which shows the transmission flow of the account transfer data by the payment processing apparatus concerning this invention. It is a flowchart which shows the transmission flow of the transfer data by the payment processing apparatus concerning this invention. It is a flowchart which shows the reception flow of the transfer result by the payment processing apparatus concerning this invention.

  Embodiments for carrying out the present invention will be described below in detail with reference to the drawings. In the following description, the management of condominiums entrusted by the condominium management association (hereinafter referred to as “management association”) to the condominium management company (hereinafter referred to as “management company”) as the trustee in the present invention. Although an example applied to payment of expenses generated in business will be described, this example shows an example of an embodiment of the present invention, and the present invention is not limited to such an embodiment.

  In contrast to the payment scheme for paying the costs incurred in the conventional condominium management business illustrated in FIGS. 1 and 2, FIG. 3 shows the payment for paying the costs incurred in the condominium management business by the payment processing apparatus according to the present invention. The scheme is shown. The management union outsources the management work to the management company, and the management company asks each contractor for work such as repair and cleaning. Expenses incurred in these operations will be borne by the management union, but payments to each business will be made as follows.

  With respect to expenses incurred in condominium management operations, the management company knows when and how much payment will be incurred for the contractor, and the payment data including the deposit account designated by the contractor is Managed by a management company. In the present invention, the management association is requested to approve the payment data, and account transfer data (transfer data) and general transfer data (total transfer data) are generated from the approved payment data. By configuring so that account transfer data and general transfer data can be generated only from payment data that has been approved by the management association, unauthorized funds transfer by the management company can be prevented.

  The account transfer data is data according to a predetermined format transmitted to a financial institution such as a bank in order to transfer funds necessary for payment from the deposit account of the management association. The total transfer data is data in accordance with a predetermined format transmitted to a financial institution such as a bank in order to perform payment to each merchant by transfer to a designated deposit account.

  Here, the deposit account for accepting funds transferred from the deposit account of the management association and making payments to the deposit account of the supplier is account transfer, general transfer (payment to multiple payees at once by request from the management company) It is necessary to be a deposit account that can accept the transfer service). The deposit account of the management company also satisfies the requirements, but in order to avoid the use of funds by the management company for purposes other than the name of the management company, a deposit account in the name of a third party such as a financial institution, for example, It is preferable to use a lock account mechanism that uses a deposit account in the name of a financial institution.

  The lock account is a mechanism for separately managing funds transferred using a deposit account in the name of a financial institution, and the transfer procedure from the deposit account is determined in advance by a contract. For example, in the case of selling products through an agency, the purchaser pays the payment paid to the lock account under the name of the financial institution instead of the name of the agency, and the commission amount from the received price is transferred to the agency's deposit account. This is used to avoid the unintended use of sales by an agent by depositing the money minus the commission amount into the deposit account of the seller. In the case of a lock account, cases in which withdrawals and transfers from deposit accounts can be made in advance by contracts with financial institutions are effective when it is desired to prevent unintended use when transferring funds.

  In the present invention, using this lock account, it is possible to accept account transfer and general transfer by data transmitted from the management company, while the withdrawal of funds from the deposit account and transfer are guaranteed by the management association. By accepting a contract between the management company and the financial institution to restrict to a predetermined request, it is possible to accept the transfer to the payee by the data transmitted from the management company while preventing the management company from using it for other purposes. It becomes possible.

  FIG. 4 shows a flow of payment processing by the payment processing apparatus according to the present invention. First, a management company, which is a consignee of condominium management business, inputs payment data of payments generated by the management business to a computer (trustee device) and transmits it to the payment processing device (1). This payment data is stored in the database of the payment processing apparatus.

  When new payment data is saved in the database, or when the newly saved payment data is confirmed by searching the database at a predetermined timing, the contractor is entrusted with the management work to be paid. An e-mail for requesting approval of payment data is transmitted to a computer or a mobile phone (consignor device) of a management association (specifically, the director of the management association). The e-mail address used here is the one stored in the customer database of the payment processing apparatus.

  Upon receiving the approval request e-mail, the director of the management association accesses the payment processing apparatus, receives user authentication, logs in, and confirms the contents of the payment data. If there is no problem in the contents of the payment data and the transfer to the payee can be executed, an operation for approving the payment is performed (2), and the approval of the management association is recorded in the payment data. Here, the computer or the like (consignor device) operated by the managing director of the management association may be the same as or different from the computer that received the approval request e-mail. Good.

  The approval by the consignor can also be performed using mail or the like instead of e-mail. In this case, when new payment data is stored in the database, or when the newly stored payment data is confirmed by searching the database at a predetermined timing, the management work to be paid is entrusted. An approval request notification is sent by mail to the management union (specifically, the director of the management union) who is the consignor. In the approval request notification to be sent, the address indicating the address of the management association (the director of the management association) read from the customer database of the payment processing device is displayed from the payment processing device.

  The director of the management association that has received the approval request notification performs the operation for confirming the contents of the payment data as described above. However, the communication terminal (consignor device) for performing the operation is not limited to the computer, and the telephone is used. The payment processing apparatus may record the approval of the management association in the payment data by an IVR (automatic voice response apparatus). A telephone may be used in the approval operation after receiving the e-mail described above.

  In this way, when payment data approved by the management association is accumulated in the database, the payment data that has been approved by the management association and not yet processed for payment out of the accumulated payment data (the same management association). Multiple payment data related to the transaction are likely to be processed together), generating account transfer data to transfer the amount of funds for payment from the deposit account of the management association to the lock account by account transfer, (3). The bank system that has received this executes the account transfer from the deposit account of the management association to the lock account in accordance with the contents specified in the account transfer data (4).

  When it is confirmed by the notification from the bank system that the account transfer has been completed, the payment from the lock account to each merchant is transferred to the deposit account according to the contents specified in the payment data that is the basis of the account transfer data. Generate general transfer data for making payments to multiple payees in a lump sum and send it to the bank system of the bank that opened the lock account (5) . In the bank system that has received this, the transfer from the lock account to the deposit account of each trader is executed according to the contents specified in the general transfer data (6).

  According to the flow described above, the bank system can execute account transfer and general transfer in the same way as normal processing according to the request contents specified in the account transfer data and general transfer data. There is no need to add to. As described above, according to the present invention, in the scheme in which the management company entrusted with the management work from the management union pays the contractor who requested the work, the bank system manages without adding a new function. Payment processing that can prevent unintended use of funds by the management company is realized by guaranteeing the approval of the management union for the execution of payment without imposing a load such as transfer data creation on the union.

  In this scheme, the management of the payment processing device that performs the approval process by the management association may be performed by the management company that is the trustee, but it will reliably prevent the management company from using the funds for other purposes. Therefore, it is preferable that a third party different from the management company is in charge.

  5 and 6 show examples of the configuration of the payment processing apparatus according to the present invention. In the first embodiment of FIG. 5, the payment data input to the trustee device 30 by the management company is transmitted to the payment processing device 10 at a predetermined timing, and in the second embodiment of FIG. 6, the trustee is the trustee. The management company directly inputs payment data to the payment processing apparatus 10.

  As shown in FIGS. 5 and 6, the payment processing apparatus 10 according to the present invention includes a consignor data storage unit 11, a payment data storage unit 12, a payment data reception unit 13, an approval processing unit 14, and account transfer data transmission. Unit 15 and a general transfer data transmission unit 16.

  The payment processing apparatus 10 is a computer equipped with a CPU, a main memory, and an HDD. When an application program stored in the HDD is operated to realize a predetermined function, the application program is read into the main memory. Then, arithmetic processing is executed by the CPU.

  A predetermined storage area of the HDD is allocated to the consignor data storage unit 11 and the payment data storage unit 12. The payment data reception unit 13, the approval processing unit 14, the account transfer data transmission unit 15, and the general transfer data transmission unit 16 are all functionally specified, and an application program corresponding to these functions is installed in the HDD. Each function is realized by being read out from the main memory and executed by the CPU.

  Note that the physical configuration of the computer used in the payment processing apparatus 10 is not particularly limited, and each of the above units may be provided in one computer, or each of the above units may be physically different. The computer may be configured to operate in cooperation with each other.

  Although the bank system 20, the trustee device 30, and the trustee device 40 are each provided with a computer having necessary functions, the physical configuration is not particularly limited. The consignor device 40 may be any communication terminal having a communication function for transmitting an intention to approve payment data to the payment processing device, and a telephone may be used in addition to a mobile phone or a personal computer. In addition, when receiving the notification of the approval request from the payment processing apparatus 10 by e-mail, it is necessary to provide an e-mail receiving function, but an apparatus (a function of transmitting an approval intention and a function of receiving e-mail are different ( It may be realized by a mobile phone and a personal computer.

  Based on the above configuration, using the payment processing apparatus according to the present invention, the payment data is registered by the management company, approved by the management association, and transferred to the payee through account transfer and general transfer using the approved payment data. A flow until payment is made will be described.

  In the consignor data storage unit 11 of the payment processing apparatus 10, information regarding each management association is stored as consignor data. The data input method to the consignor data storage unit 11 may be input by the management company that is the trustee from the trustee device 30 or by the management association itself that is the consignor from the consignor device 40. However, it is not particularly limited.

  FIG. 7 shows an example of the consignor data stored in the consignor data storage unit 11, and the management union code for identifying the management union and the director of the management union are shown in the record provided for each management union. E-mail address for sending notifications to the chief, ID and password for authentication, information identifying the deposit account from which funds to be used for payment of expenses incurred in management operations are transferred, funds of the management association are transferred The information etc. which specify the lock account used as the deposit account which transfers to a payee are recorded. In addition, when the approval request is sent by mail or the like, the address of the director of the management association is recorded.

  Regarding the deposit account of the management association designated here, it is necessary to designate at least one deposit account in order to transfer funds to be paid for payment, but it is possible to allocate funds according to the budget of the management association to payment In addition, different accounts may be designated for each of a plurality of accounting categories, such as an account for general account devoted to payment in general and an account for repair reserve account for paying from repair reserve.

  The lock account specified here will be a third-party bank account in order to avoid unintended use of funds by the management company, but accepting account transfers and general transfers at the request of the management company An agreement is made in advance between the management company and the bank so that this is possible. The lock account is usually a checking account in the name of a bank, and it is only necessary to open an account for each management company (in this case, the same lock account is designated for the management union that outsources management operations to the same management company). )

  The payment data storage unit 12 of the payment processing apparatus 10 stores information related to payment of expenses generated in the management work as payment data. The payment data stored in the payment data storage unit 12 is received by the payment data reception unit 13 from the trustee device 30 because it is grasped by the management company that has entrusted the management business and requested the business from each contractor. become.

  The form in which the payment data receiving unit 13 receives the payment data from the trustee device 30 is not particularly limited. As shown in FIG. 5, in the trustee device 30, the payment data input from the input device 31 is received as the data input unit. 32, and stored in the payment data storage unit 33, and the stored payment data may be read out at a predetermined timing and transmitted from the payment data transmission unit 34. As shown in FIG. It is good also as receiving each payment data input as an input terminal.

  As described above, the operation management of the payment processing apparatus 10 may be performed by a third party different from the management company in order to surely prevent the management company from using the funds for other purposes. Preferably, when a system operator that is a third party is in charge of operation management by a BPO (Business Process Outsourcing) operator, an embodiment shown in the example of FIG. 5 can be considered.

  FIG. 8 shows an example of the payment data stored in the payment data storage unit 12, but the target business is provided in the record provided for each payment (for each invoice) to the contractor. In addition to the management union code of the management association and the accounting category of the deposit account of the management association that is the transfer source, the transfer (payment) amount, transfer (payment) date, transfer account, etc. for the applicable payment are recorded Yes. In addition, whether or not the management association has approved the applicable payment data, whether or not the fund transfer from the management association has been completed, and whether or not the transfer to the payee has been completed A field for recording is provided.

  The flowchart of FIG. 9 shows an example of a flow for sending an approval notification to the management association that is a consignor by the payment processing apparatus 10. In the payment processing apparatus 10, the approval processing unit 14 is activated at a predetermined timing such as a predetermined time of every business day, and a process of transmitting a payment data approval notification to a management association that is a consignor is performed.

  When the approval processing unit 14 is activated, the payment data stored in the payment data storage unit 12 is searched using the management association code for identifying the management association as a key (S01). It is confirmed whether or not the approval of the management union as a consignor is recorded in each payment data. If there is unapproved payment data (S02), the data is stored in the consignor data storage unit 11 using the management union code as a key. The stored consignor data of the management association is specified, and the e-mail address of the notification destination included in the consignor data is read (S03).

  Subsequently, an approval notification for encouraging approval of the management association as a consignor is generated with the read e-mail address as a destination (S04), and the approval notification is transmitted by e-mail (S05). If there is no unapproved payment data, the process ends. Note that the approval processing unit 14 may be activated when new payment data is stored in the payment data storage unit 12. In this case, the payment data is always in an unapproved state. 02 is not executed, and steps 03 to 05 are executed.

  Although the content of the approval notification is not particularly limited, it is described here that new payment data that has not been approved has been generated and that approval by the management association is required. For example, the URL of the URL for performing the approval procedure is embedded in the approval notification, and the director of the management association who receives the approval notification clicks on this link to access the payment processing apparatus 10 and enter the ID and password. It is good also as inputting and performing operation for approval. Alternatively, the approval notification is not provided with a link, but is received by a mobile phone or the like, a predetermined web page is accessed using a separate personal computer, and an ID and password are entered to perform an operation for approval. It is good.

  As described above, the approval request may be sent by mail or the like. In this case, the address or the like of the notification destination included in the consignor data of the management association stored in the consignor data storage unit 11 is read, and an approval notification in which this address or the like is displayed as the destination is output. The output approval notification may be used as a postcard as it is, or may output a paper for a sealed letter printed so that the address and address can be seen from a window opened in the envelope. .

  The content of the notification of approval when sent by mail is not particularly limited, but for the convenience of contractors who are not used to using mobile phones and personal computers, the approval operation is performed by operating the phone. In order to use when performing, it is good not to ask registration of a password etc. beforehand, but to describe here ID for authentication and a password assigned to a consignor. In this case, in the consignor data in the consignor data storage unit 11, an ID (for example, a telephone number registered by the consignor may be used) and a password assigned on the payment processing apparatus 10 side are recorded. The Rukoto.

  The flowchart of FIG. 10 shows a flow in which the payment processing apparatus 10 records the approval of the management association that is a consignor in the payment data. When the director of the management association that has received the approval notification accesses the payment processing apparatus 10 from the consignor device 40 and reads a predetermined Web page or the like, the approval processing unit 14 is activated and the management association that is the consignor Processing for accepting payment data is performed.

  When the approval processing unit 14 is activated, an ID and password input screen is displayed on the consignor device 40, and the ID and password input on the screen are received (S11). When the consignor data storage unit 11 is searched using this ID as a key (S12), it is confirmed whether it matches the combination of ID and password included in the consignor data of the specified management association (S13). Results in an error.

  If the combination of ID and password matches, the payment data storage unit 12 is searched using the management association code as a key, and payment data in which the approval of the management association is not recorded is read and transmitted to the consignor device 40 (S14). . When these payment data are displayed on the consignor device 40 and the director of the management association approves the payment, the target payment data is designated and the approval operation is performed from the consignor device 40 to the payment processing device 10. Since the data indicating that the transaction has been performed is transmitted, the presence / absence of approval is confirmed from this data (S15). If there is an approval, as shown in the example of FIG. Is approved (S16).

  As described above, the above approval operation may be performed by operating the telephone. In this case, the consignor performs input operations such as ID and password by pushing a button on the telephone, and the payment processing apparatus 10 side identifies the operation performed by the consignor using IVR, and confirms whether or not there is an approval. To do.

  The flowchart of FIG. 11 shows a flow of sending account transfer data by the payment processing apparatus 10. In the payment processing apparatus 10, the account transfer data transmission unit 15 is activated at a predetermined timing such as a predetermined time every business day, and the funds to be used for payment to the merchant are transferred from the deposit account of the management association which is a consignor. The process of generating and transmitting the account transfer data for transferring to the lock account is performed.

  When the account transfer data transmission unit 15 is activated, the payment data stored in the payment data storage unit 12 is searched using the management association code for identifying the management association as a key (S21). For each payment data, the payment date corresponds to the specified condition (period when the transfer of funds to the lock account is required from the transfer date) and the payment data that has been approved by the management association Is confirmed (S22).

  If there is corresponding payment data, the payment data (data necessary for account transfer and transfer among the payment data stored in the payment data storage unit 12) is read and temporarily stored (S23). Further, the management partner's consignor data stored in the consignor data storage unit 11 is specified using the management union code as a key, and information related to the deposit account and lock account of the management association included in the consignor data is read (S24). Here, when the management association designates a plurality of deposit accounts, information related to the deposit account corresponding to the accounting classification recorded in the payment data is read. When different accounting categories are recorded depending on the payment data read out and temporarily stored, all the information relating to the corresponding deposit account is read out, and the payment data and the information relating to the deposit account are linked in accordance with the accounting category.

  Next, the total payment amount specified in the payment data is transferred from the management account deposit account to the lock account from the temporarily stored payment data and the information related to the management account deposit account and lock account read from the consignor data. Account transfer data is generated (S25). As described above, when the payment data and the information on the deposit account are linked according to the accounting category, the account transfer data is generated for each accounting category.

  The account transfer data generated here is based on a predetermined format such as the Zengin format, and this account transfer data is transmitted to the bank system 20 (S26). If there is no corresponding payment data in step 22, the process is terminated as it is.

  Based on the transmitted account transfer data, the bank system 20 executes the account transfer, the specified amount is deducted from the account file (managed association account) 23, and the account file (lock account) 24 is loaded with the deducted funds. Is done. When this process ends, a result notification as to whether or not the account transfer has been normally performed is transmitted to the payment processing apparatus 10. In the payment processing apparatus 10 that has received this, the flow of subsequently transferring the transfer data is as shown in the flowchart of FIG.

  When the payment processing device 10 receives the result notification of the account transfer (S31), the content of the result notification is confirmed (S32), and if it is a notification indicating that the account transfer has been performed normally, the payment data storage unit 12 is recorded in the corresponding payment data stored in 12 (S33). In the example of FIG. 8, “incomplete” in the “account transfer” field is updated to “completed”. On the other hand, in the case of a notification indicating that the account transfer has not been performed due to a lack of balance or the like, error processing is performed.

  If it is recorded that the account transfer has been completed in the payment data, then, from the payment data previously read from the payment data storage unit 12 and temporarily stored, transfer data for executing each payment by transfer is generated. Here, since a plurality of transfers are often performed collectively, in this case, total transfer data for requesting a total transfer is generated (S34).

  The total transfer data generated here is also based on a predetermined format such as the Zengin format, and the transfer date, transfer amount, bank account number, etc. specified in each payment data are used. . This total transfer data is transmitted to the bank system (S35).

  Based on the transmitted total transfer data, the bank system 20 executes total transfer, the transfer amount is withdrawn from the account file (lock account) 24, and the transfer amount is transferred to the account files (traders) 25-27. If the transfer destination is another bank, etc., the remittance data will be sent via Zengin-Net, etc., but if any transfer fails, the transfer non-delivery data will be processed within the prescribed period. Transmitted to the device 10. The payment processing apparatus 10 receives the transfer result with the flow shown in the flowchart of FIG. 13 and grasps the state of the transfer.

  When transfer non-delivery data is received from the bank system (S41), it is recorded in the payment data stored in the payment data storage unit 12 corresponding to the non-transferable transfer (S42). In the example of FIG. 8, “incomplete” in the “transfer” field is updated to “not received”. Here, it is good also as transmitting the notification which shows that transfer was non-delivery to the trustee apparatus 30 (S43).

  When a predetermined period of time during which transfer non-delivery data can be transmitted after the end of business hours on the transfer date (S44), since it is determined that the transfer has not been received for transfer non-delivery data, Is recorded in the payment data stored in the payment data storage unit 12 corresponding to (S45). In the example of FIG. 8, “incomplete” in the “transfer” field is updated to “completed”.

  In the present invention, instead of transmitting the general transfer data after confirming the account transfer by the account transfer data, the general transfer data may be transmitted before the account transfer confirmation or simultaneously with the transmission of the account transfer data. However, in order to ensure the funds necessary for payment, it is preferable to configure so that the total transfer data is transmitted after confirmation of the account transfer.

DESCRIPTION OF SYMBOLS 10 Payment processing apparatus 11 Consignor data storage part 12 Payment data storage part 13 Payment data reception part 14 Approval processing part 15 Account transfer data transmission part 16 General transfer data transmission part 20 Bank system 21 Transfer process execution part 22 Transfer process execution part 23 Account file (managed association account)
24 Account file (lock account)
25 Account file (contractor account)
26 Account file (trader account)
27 Account file (trader account)
30 trustee device 31 input device 32 data input acceptance unit 33 payment data storage unit 34 payment data transmission unit 40 consignor device

Claims (6)

A payment processing device for executing payment to a payee of expenses incurred in a management operation entrusted to a trustee by a transfer to a payee account based on data created by the trustee,
An e-mail address or address to be notified to the entrustor, entrustor data storage means for storing entrustor data including an entrustor ID for identifying the entrustor,
From the computer operated by the trustee, new payment data including the trustee ID of the trustee who pays the expense, the payment amount to be paid to the payee, and the payee account designated for the payment by transfer from the computer operated by the trustee Payment data receiving means for receiving;
Payment data storage means for storing the payment data received by the payment data reception means with information on whether or not the consignor is approved; and
When the payment data received by the payment data receiving means is stored in the payment data storage means, the e-mail address or address corresponding to the consignor ID included in the payment data is read from the consignor data storage means, Approval request execution means for executing transmission of an approval request mail for requesting approval of the payment data with the e-mail address set as a destination, or outputting an approval request notification indicating the address as a destination;
From the communication terminal operated by the consignor, an approval accepting means for accepting an approval operation for the payment data and recording the approval data of the consignor in the payment data;
From the payment data storage means, one or more payment data recorded as having the approval of the consignor for one consignor is read out, and the consignor is subject to the approval of the consignor from the deposit account of the consignor. Generates account transfer data to transfer the payment amount recorded in the payment data to a payment account in the name of a financial institution that can perform transfer and transfer based on a request from the transfer process, and transfer processing to the payment account And account transfer data transmission means for transmitting to a financial institution system for executing the transfer process;
Payment that can be transferred and transferred based on a request from the trustee by reading from the payment data storage means one or more payment data recorded as approved by the trustee for one trustee Transfer data transmitting means for generating transfer data for transferring the payment amount recorded in the payment data from the account for payment to the payee account recorded in the payment data, and transmitting to the financial institution system;
A payment processing apparatus comprising: The consignor data stored in the consignor data storage means includes an authentication key for authenticating the consignor,
The approval accepting unit accepts a consignor ID and an authentication key from the communication terminal, and a combination of the consignor ID and the authentication key is a combination of a consignor ID and an authentication key stored in the consignor data storage unit. The payment processing apparatus according to claim 1, wherein approval is recorded in the payment data for which the approval operation has been accepted. An account transfer result receiving unit for receiving an account transfer result based on the account transfer data transmitted by the account transfer data transmitting unit from the financial institution system;
The transfer data transmitting means transmits the transfer data to the financial institution system when the account transfer result received by the account transfer result receiving means indicates that the account transfer has been performed normally. The payment processing apparatus according to claim 1 or 2, characterized in that: The consignor data stored in the consignor data storage means includes information for specifying two or more deposit accounts provided for each accounting category used for the accounting processing of the consignor,
The payment data stored in the payment data storage means includes information related to the accounting category in the accounting process of the expense,
The account transfer data transmission means reads information specifying a deposit account corresponding to information related to the accounting classification included in the payment data read from the payment data storage means from the entrustor data storage means, and entrusts the deposit account The payment processing apparatus according to claim 1, wherein the account transfer data designated as the transfer source is generated as a deposit account of the person. A payment processing program for executing payment to a payee of expenses incurred in management operations entrusted to a trustee by transfer to a payee account based on data created by the trustee, wherein the trustee To a payment processing computer equipped with entrustor data storage means for storing entrustor data including an e-mail address or address to be notified to, and entrustor ID for identifying the entrustor,
From the computer operated by the trustee, new payment data including the trustee ID of the trustee who pays the expense, the payment amount to be paid to the payee, and the payee account designated for the payment by transfer from the computer operated by the trustee A payment data reception step for receiving;
A payment data storage step of storing the payment data received in the payment data reception step in a payment data storage means with information on whether or not the consignor is approved;
When the payment data received in the payment data receiving step is stored in the payment data storage means, the e-mail address or address corresponding to the consignor ID included in the payment data is read from the consignor data storage means, An approval request execution step for transmitting an approval request mail for requesting approval of the payment data set with the e-mail address as a destination, or outputting an approval request notification with the address as a destination;
From the communication terminal operated by the consignor, an approval accepting step of accepting an approval operation for the payment data and recording the approval data of the consignor in the payment data;
From the payment data storage means, one or more payment data recorded as having the approval of the consignor for one consignor is read out, and the consignor is subject to the approval of the consignor from the deposit account of the consignor. Generates account transfer data to transfer the payment amount recorded in the payment data to a payment account in the name of a financial institution that can perform transfer and transfer based on a request from the transfer process, and transfer processing to the payment account And an account transfer data transmission step to be transmitted to the financial institution system for executing the transfer process;
Payment that can be transferred and transferred based on a request from the trustee by reading from the payment data storage means one or more payment data recorded as approved by the trustee for one trustee A transfer data transmission step of generating transfer data for transferring the payment amount recorded in the payment data from the account for payment to the payee account recorded in the payment data, and transmitting to the financial institution system;
A payment processing program characterized in that There is a payment processing method for executing payment to a payee of expenses incurred in a management operation entrusted to a trustee by a transfer to a payee account based on data created by the trustee,
A payment processing computer comprising a consignor data storage means for storing consignor data including an e-mail address or address to be notified to the consignor and a consignor ID for identifying the consignor is operated by the trustee. Payment data receiving step for receiving new payment data including a consignor ID of a consignor who performs payment, a payment amount to be paid to a payee, and a payee account designated for payment by transfer from the computer When,
A payment data storing step in which the payment processing computer stores the payment data received in the payment data receiving step in a payment data storage unit with information on the presence or absence of approval of the consignor;
When the payment data received by the payment processing computer in the payment data receiving step is stored in the payment data storage means, an e-mail address corresponding to a consignor ID included in the payment data from the consignor data storage means Or an approval request execution step of reading an address and transmitting an approval request mail requesting approval of the payment data set with the e-mail address as a destination, or outputting an approval request notification displaying the address as a destination; ,
The payment processing computer receives an approval operation for the payment data from the communication terminal operated by the consignor, and records an approval accepting step for recording the approval of the consignor in the payment data;
The payment processing computer reads, from the payment data storage means, one or more payment data recorded as having the approval of the consignor for one consignor, and from the deposit account of the consignor, Generate payment data in the name of a financial institution that can perform transfer and transfer based on a request from the trustee on the condition of approval, and generate payment data that transfers the payment amount recorded in the payment data. An account transfer data transmission step to be transmitted to a financial institution system that executes a transfer process and a transfer process related to the account,
The payment processing computer reads, from the payment data storage means, one or more payment data recorded as being approved by a consignor for one consignor, and transfers and transfers based on a request from the trustee Transfer data transmission for generating transfer data for transferring the payment amount recorded in the payment data from the payment account capable of executing the payment to the payee account recorded in the payment data, and transmitting it to the financial institution system Steps,
A payment processing method.