JP2014026342A - Counter receipt system, counter receipt method, and counter receipt program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a counter receipt system in which counter receipt processing via a payment statement is made efficient so as to suppress failures such as operation mistakes.SOLUTION: An information processing apparatus 100 executes: processing of communicating with a reader 200 of a predetermined code printed on a payment statement for counter receipt, acquiring respective code data related to a plurality of payment statements, and storing respective information on at least received money amount and receipt destination indicated by the respective code data into a storage part 101; processing of acquiring, while employing, as a key, identification information related to a submitter of the payment statements which is received via prescribed input means, account information related to the submitter at an account information management device 300 existing on a network so as to set the account as a payment account, and instructing an accounting system 320 existing on the network to perform receipt processing to a prescribed account in which a total value of the received money amounts stored in the storage part 101 is set to a receipt amount; and processing of executing, after the receipt processing at the accounting system 320 is completed, change of the received money amount from the prescribed account to an account of a corresponding receipt institution on the basis of information of the receipt destinations stored in the storage part 101.

Description

  The present invention relates to a window storage system, a window storage method, and a window storage program. Specifically, the present invention relates to window storage via a payment / payment form (hereinafter referred to as a payment form). The present invention relates to a technology for improving processing efficiency and suppressing problems such as work mistakes. The window storage in the present specification includes so-called public money storage.

  Various payments such as various taxes and social security-related payments / electricity (hereinafter referred to as payments / payments are referred to as payments in the present specification), including so-called public money, is included in the payment process. It is also done through. The payer presents the payment notice at a window of a predetermined financial institution or a convenience store, and performs a payment procedure for the specified amount. Several techniques related to storage processing via a payment slip have been proposed. For example, a transaction settlement method, a transaction settlement system and a transaction settlement apparatus (see Patent Document 1) that can improve cash flow in a store and reduce operating costs have been proposed.

JP 2002-169965 A

  In financial institutions that serve as a window for payment counter payment, the payment slips collected from the payer's payment slip are sorted manually by the person in charge for each payer and entered manually using a calculator. The payment amount is totaled, and the account processing with the total amount is executed. In this case, there may be a problem such as troublesome sorting of the payment slips manually, a mistake in inputting the amount due to manual input with a calculator, or double counting of the same payment slip. In addition, from the payer at the time of payment processing, if a plurality of payment documents are submitted at the same time, the waiting time at the window of a financial institution or the like becomes longer, and it may happen that the convenience is lowered.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a technique for improving the efficiency of window storage via a payment slip and suppressing problems such as work mistakes.

  The window storage system of the present invention that solves the above problem relates to a plurality of payment documents read by the reader by communicating with a communication unit that communicates with another device and a reader of a predetermined code printed on a payment message for storing the window. Each code data is acquired, and at least the storage amount and storage location information indicated by each code data are stored in the storage unit, and the identification information on the submitter of the payment slip received via the predetermined input means is used as a key. In the account information management apparatus existing on the network, the account information regarding the submitter is acquired, the corresponding account is set as the withdrawal account, and the total value of the stored amount in the storage unit is set as the deposit amount. Storage processing after the storage processing in the billing system is completed, and a process for instructing the billing system existing on the network. Based on the above information, characterized in that it and a calculation unit for executing a process of performing with re related to the corresponding storage amount from the predetermined account to an account of the corresponding storage engine.

  The window storage method of the present invention is such that an information processing device having a storage unit for storing various data and a communication unit for communicating with other devices communicates with a reader of a predetermined code printed on a payment sheet for storing a window. Then, each code data related to a plurality of payment slips read by the reader is acquired, and at least the storage amount indicated by each code data and each storage location information are stored in the storage unit and received via a predetermined input means. Using the identification information relating to the submitter of the payment slip as a key, the account information relating to the submitter is acquired by the account information management apparatus existing on the network, the corresponding account is set as the withdrawal account, and the storage in the storage unit A process for instructing a billing system existing on the network to perform a storing process in a predetermined account with a total amount of money as a deposit amount, and a storage process in the billing system. After completion, based on the information of each storage location stored in the storage unit, a process of performing a replacement of the corresponding storage amount from the predetermined account to the account of the corresponding storage organization is performed. To do.

  In addition, the window storage program of the present invention communicates with a reader of a predetermined code printed on a window storage payment notice in an information processing apparatus including a storage unit for storing various data and a communication unit for communication with other devices. Then, each code data related to a plurality of payment slips read by the reader is acquired, and at least the storage amount indicated by each code data and each storage location information are stored in the storage unit and received via a predetermined input means. Using the identification information relating to the submitter of the payment slip as a key, the account information relating to the submitter is acquired by the account information management apparatus existing on the network, the corresponding account is set as the withdrawal account, and the storage in the storage unit A process for instructing the accounting system existing on the network to perform storage processing in a predetermined account with the total amount of money as the deposit, and the collection in the accounting system. After completion of the processing, based on the information of each storage destination stored in the storage unit, a process of performing a replacement on the corresponding storage amount from the predetermined account to the account of the corresponding storage organization is executed. Features.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to improve the efficiency of the window storage process via a payment slip, and to suppress malfunctions, such as a work mistake.

It is a network block diagram containing the public money storage stem of this embodiment. It is a flowchart which shows the process sequence example of the public money storage method in this embodiment. It is explanatory drawing which shows the example of a screen transition in this embodiment. It is a figure which shows the handling table classified by payment notice of this embodiment. It is a schematic diagram for demonstrating the example using the barcode table | surface in this embodiment.

--- Network configuration ---
Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the public money storage system of the present embodiment. A center server 100 (hereinafter, server 100), which is a public money storage system shown in FIG. 1, is a computer system that improves the efficiency of public money storage via a payment slip and suppresses problems such as work mistakes. In this embodiment, as an example, an example is assumed in which the function of public money storage processing is provided to the branch terminal 150 as a Web service. Therefore, the center server 100 is a server device that is communicably connected via a network 120 to a branch office terminal 150 provided in a branch office of a financial institution. The center server 100 is managed at a predetermined facility in the financial institution. In the present embodiment, public money storage is described as an example of window storage, but application to other charges such as electricity charges, that is, application to window storage including public money storage is possible. In other words, in the following description, public money storage can be read as window storage (example: public money storage system to window storage system)
The branch terminal 150 is connected to a barcode reader 200 that reads codes (for example, various barcodes, QR codes, etc.) printed on a payment receipt for storing public money, and controls the barcode reader 200. Do. The sales office terminal 150 is connected to a printing device 400 such as a printer and an imprint reader 550 that reads an imprint imprinted on a slip, and controls the printing device 400 and the imprint reader 550.

  In addition, the network 120 includes a core system 300 that manages various information of customer accounts at financial institutions in the core database 315, an account system 320 that handles various account processes such as deposits and withdrawals, transfers, and transfers in customer accounts, Is also connected to the seal collation apparatus 500 that reads the seal stamped on the various documents, slips, passbooks, etc. presented by, and confirms its validity.

  Further, the center server 100 is connected via a network 121 to a storage organization server 600 managed by a storage organization that is a payment form issuing organization. When the store terminal 150 is a convenience store terminal, the store terminal 150 is connected to the storage engine server 600 via, for example, a convenience store network. The storage institution has signed a payment issuance contract with a contractor that has been commissioned to issue a payment notice, that is, a public institution, or a financial institution that has entered into a predetermined contract with such public institution. We issue payment notices, and bar code information necessary for the payment notices and print them on the payment notices.

  Next, the hardware configuration of the server 100 will be described. The server 100 reads out to the memory 103 a storage unit 101 composed of a suitable non-volatile storage device such as a hard disk drive, a memory 103 composed of a volatile storage device such as a RAM, and a program 102 held in the storage unit 101. And a control unit 104 such as a CPU that performs various determinations, calculations, and control processes, and a communication unit 105 that is connected to the networks 120 and 121 and performs communication processing with other devices. . The storage unit 101 stores a program 102 for implementing functions necessary for the public money storage system of the present embodiment, a payment-by-payment handling table 125, a public money storage-related table 126, and slip form data 127. Yes.

  Then, the function with which the public money storage server 100 of this embodiment is provided is demonstrated. As described above, the functions described below can be said to be implemented by executing the program 102 provided in the public money storage server 100, for example. The server 100 communicates with a reader of a predetermined code printed on a payment receipt for storing public money, that is, the bar code reader 200 (the store terminal 150 that controls the bar code reader) via the communication unit 105, and the bar code reader 200 Obtains each piece of code data related to a plurality of payment forms (a plurality of payment forms submitted together by the same submitter), and stores at least the amount of money indicated by each code data and each piece of information about the storage location in the storage unit 101 A function of storing in the association table 126 is provided.

  The server 100 also receives identification information regarding the submitter of the payment slip received via predetermined input means (the server 100 can communicate via the branch terminal 150) such as a cash card or a passbook reader. Using the key system 300 (account information management device) existing on the network as a key, the account information related to the submitter is acquired, the corresponding account is set as a withdrawal account, and the total value of the stored amount in the storage unit 101 Has a function of instructing a billing system 320 existing on the network to store in a predetermined account (for example, another step).

  In addition, after the storage process in the billing system 320 is completed, the server 100 determines the corresponding storage organization based on the information on each storage location stored in the storage unit 101 (which becomes storage organization information). It has a function of changing the amount of money stored in the account from the separate bank entrance corresponding to the predetermined account.

  It is preferable that the server 100 stores the form data 127 of the slip necessary for the storing process in the storage unit 101. In this case, the server 100 reads the slip form data 127 from the storage unit 101 during the storing process, and sets at least a part of the account information obtained for the submitter in the corresponding column of the slip form data 127. , A function of notifying a slip output instruction including the slip form data 127 to a predetermined printing device 400 on the network (the branch office terminal 150 controlling the same) is provided.

  The server 100 communicates (via the sales office terminal 150) with the seal reader 550 that reads the seal stamped on the slip, and is output from the printer 400 and the submitter performs the seal. The seal stamp data read by the seal reader 550 with respect to the slip is acquired, and a verification request including the seal stamp data and the identification information of the submitter is transmitted to the seal verification device 500 on the network. The function to acquire the collation result from is provided. Further, the server 100 instructs the billing system 320 to perform the storing process when the collation result obtained from the seal collation apparatus 500 indicates that there is no problem with the seal stamp data. .

--- Processing procedure example ---
Hereinafter, the actual procedure of the public money storage method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the public money storage method described below are realized by a program that the server 100 reads into the memory or the like and executes. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 2 is a flowchart showing a processing procedure example of the public money storage method in the present embodiment, and FIG. 3 is an explanatory diagram showing an example of screen transition in the present embodiment. Here, for example, it is assumed that a customer who pays public fees and taxes at a sales counter of a financial institution submits a plurality of types of payment forms to the sales counter. Further, the sales office terminal 150 provided in the sales office window accesses the server 100 via the network 120, displays a service screen for public money storage processing provided by the server 100 on the display, Waiting for operation by the person in charge.

  Here, the store terminal 150 receives an instruction from the person in charge with an input device such as a mouse or a keyboard, and executes a reading process on the plurality of types of payment slips by the barcode reader 200 (s100). The branch terminal 150 acquires the code data read by the barcode reader 200 from the barcodes of the plurality of types of payment slips, and uploads it to the server 100 via the network 120 (s101).

  Note that the branch office terminal 150 collates the contract destination information indicated by the acquired code data with the handling table 125 for each payment slip shown in FIG. It may be determined whether the destination is a storage engine.

  In the case of the payment statement-specific handling table 125 in FIG. 4, patterns 1 to 4 are defined when the barcode is printed on the payment statement, of which the storage organization (Company A) that is the issuing organization of the payment statement. And three patterns that are at least one of company B of another financial institution that has contracted with company A, and one pattern that corresponds to a situation that is neither of them. When the barcode of the payment slip is one of patterns 1 to 3, that is, when the target payment slip is a payment slip associated with at least one of the A company and the B company, the branch terminal 150 Step s101 is executed, and the subsequent processing proceeds.

  In addition, the branch office terminal 150 performs a process of reading the payment slip by the barcode reader 200 when there is a payment slip that has failed to be read by the barcode reader 200, or a payment slip on which no barcode is printed. When there is an instruction from the person in charge about the payment, the payment is determined to be a payment note corresponding to patterns 4 to 6 of the payment note handling table 125, and displayed on the display to manually input the payment amount and payment destination information. You may do that. For the pattern 5 without barcode, a bar code table 700 in which a plurality of payment amounts and payment destinations are recorded in advance is prepared instead of manual input, and the bar code corresponding to the bar code table 700 is displayed by the operator's operation or the like. Efficiency may be improved by allowing the code reader 201 to read. A schematic diagram using this barcode table is shown in FIG. In FIG. 5, the barcode reader 201 is described as being different from the barcode reader 200, but one of the barcode readers 200 to 201 may be used. In FIG. 5, the barcode table 700 is described as one table (sheet), but another sheet may be used for each payment amount and each payment destination.

  On the other hand, the server 100 communicates with a branch office terminal 150 that controls the barcode reader 200 via the communication unit 105, so that a plurality of payment slips read by the barcode reader 200 (submitted together by the same submitter). In addition, each piece of code data relating to a plurality of payment forms) is acquired, and at least the storage amount and the storage destination information indicated by each code data are stored in the public money storage related table 126 of the storage unit 101 (s102).

  The server 100 also receives identification information regarding the submitter of the payment slip received via predetermined input means (the server 100 can communicate via the branch terminal 150) such as a cash card or a passbook reader. As a key, the core system 300 (account information management device) existing on the network acquires the account information related to the submitter (s103).

  Subsequently, the server 100 reads out the slip form data 127 relating to the deposit slip and withdrawal slip from the storage unit 101, and obtains at least a part of the account information (eg, account holder, amount, etc.) obtained with respect to the submitter. A slip output instruction including the slip form data 127 is set in the corresponding column of the slip form data 127, and a predetermined printing device 400 on the network (the branch office terminal 150 that controls) is notified (s104).

  On the other hand, the printing apparatus 400 prints out the slip in response to the notification (s105). The person in charge will give the printed slip to the submitter and prompt him / her to stamp it in a predetermined field. With respect to the voucher that the submitter has stamped, the person in charge operates the branch terminal 150 and the seal reader 550 reads the seal. The seal imprint reader 550 reads the seal imprinted on the slip and sends the imprint data to the server 100 via the branch terminal 150 (s106).

  On the other hand, the server 100 communicates (via the sales office terminal 150) with the impression reader 550, acquires the impression data read by the impression reader 550 regarding the slip, and identifies the impression data and the submitter. A verification request including information (obtained in step s103) is transmitted to the stamp verification device 500 on the network, and the verification result from the seal verification device 500 is acquired (s107).

  When the collation result obtained from the seal collation apparatus 500 indicates that there is no problem with the seal stamp data (s108: OK), the server 100 determines the corresponding account indicated by the account information obtained in step s103. The account processing system 320 existing on the network is instructed to store data in a predetermined account (for example, separate bill) using the sum of the stored amount in the storage unit 101 as the withdrawal amount as a withdrawal account (s109). . On the other hand, when the collation result obtained from the seal stamp collation apparatus 500 indicates that there is a problem with the seal stamp data (s108: NG), the server 100 ends the process.

  In addition, prior to execution of step s103, the server 100 has received an instruction from the branch terminal 150 that the public money storage is not performed by transfer from the submitter's account and is performed by cash (of course, The person in charge at the sales office receives an instruction to store the public money in cash from the submitter, and inputs the instruction to that effect at the sales office terminal 150), and at the predetermined cashier connected to the sales office terminal 150, In accordance with a cash receipt process that matches the total value of the storage amount, the storage system 320 stores the storage processing in a predetermined account (for example, another step) using the total value of the storage amount as a deposit amount. Will be instructed.

  Further, the server 100, after completion of the storage process in the billing system 320, based on the information of each storage destination stored in the storage unit 101 (becomes information on the storage organization), the corresponding storage organization ( In step (S110), the process ends the replacement of the stored amount from the separate entrance that is the predetermined account to the account of Company A or Company B) in the above example. In addition, about the payment notice which the process completed in this way, it will be sent to applicable storage organization every predetermined period, such as every month.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to this embodiment, the storage amount is specified on the system side based on the barcode printed on the payment slip, the sorting is simplified, and input mistakes can be suppressed. Therefore, it is possible to reduce window work at financial institutions. In addition, even as an end user who pays, when a plurality of payment documents are brought into a financial institution or the like to perform payment processing, the waiting time is reduced compared to the conventional case, and satisfaction is increased.

  Accordingly, it is possible to improve the efficiency of the public money storage process via the payment slip and to suppress problems such as work mistakes.

  At least the following will be made clear by the description in the present specification (the column of the description of the invention). That is, in the public money storage system, the storage unit stores slip form data necessary for the storage process, and the calculation unit reads the slip form data from the storage unit during the storage process. A process of setting at least a part of the account information obtained for the submitter in a corresponding field of the form data, and notifying a predetermined printing device on the network of a slip output instruction including the form data; Communicates with an imprint reader that reads an imprint imprinted on the imprint, and obtains imprint data output by the imprint reader with respect to the slip output by the printing device and stamped by the submitter, and the imprint data A verification request including the identification information of the submitter is transmitted to a predetermined seal verification device on the network, and the seal verification device The collation result is obtained, and when the collation result indicates that there is no problem with the imprint data, the storage system is instructed to be stored. Also good.

100 Center server (Public money storage system)
DESCRIPTION OF SYMBOLS 101 Memory | storage part 102 Program 103 Memory 104 Operation part 105 Communication part 120, 121 Network 125 Handling table according to payment slip 126 Public money storage related table 127 Voucher form data 150 Branch terminal 200 Bar code reader 300 Core system (account information management device)
315 Core database 320 Account system 400 Printing device 500 Seal verification device 550 Imprint reader 600 Storage institution server 700 Bar code table

Claims (4)

A communication unit that communicates with other devices;
Communicate with the reader of the predetermined code printed on the payment slip for storing the counter, obtain each code data related to the multiple payment slips read by the reader, and at least store the amount of money and each storage location information indicated by each code data Processing to be stored in the storage unit;
Using the identification information related to the submitter of the payment notice received via a predetermined input means as a key, the account information related to the submitter is acquired by the account information management device existing on the network, and the corresponding account is withdrawn. A process for instructing the account system existing on the network to store the account in a predetermined account with the total value of the storage amount in the storage unit as the deposit amount;
After completion of the storage process in the billing system, a process for reassigning the corresponding storage amount from the predetermined account to the account of the corresponding storage organization based on the information of each storage destination stored in the storage unit An arithmetic unit for executing
A window storage system characterized by comprising: The storage unit
Stores form data of slips necessary for the storage process,
The computing unit is
During the storing process, the form data of the slip is read from the storage unit, and at least a part of the account information obtained regarding the submitter is set in the corresponding column of the form data, and a slip output instruction including the form data is provided. Processing to notify a predetermined printing device on the network;
Communicating with an imprint reader that reads an imprint imprinted on a voucher, and obtains imprint data that is output by the printing apparatus and read by the imprint reader with respect to the voucher that has been imprinted by the submitter. And a process for obtaining a verification result from the seal verification device by transmitting a verification request including the identification information of the submitter to a predetermined seal verification device on the network,
2. The window storage system according to claim 1, wherein when the result of the collation indicates that there is no problem with the seal stamp data, the storage system is instructed to the storage system. . An information processing apparatus including a storage unit that stores various data and a communication unit that communicates with other devices,
Communicate with the reader of the predetermined code printed on the payment slip for storing the counter, obtain each code data related to the multiple payment slips read by the reader, and at least store the amount of money and each storage location information indicated by each code data Processing to be stored in the storage unit;
Using the identification information related to the submitter of the payment notice received via a predetermined input means as a key, the account information related to the submitter is acquired by the account information management device existing on the network, and the corresponding account is withdrawn. A process for instructing the account system existing on the network to store the account in a predetermined account with the total value of the storage amount in the storage unit as the deposit amount;
After completion of the storage process in the billing system, a process for reassigning the corresponding storage amount from the predetermined account to the account of the corresponding storage organization based on the information of each storage destination stored in the storage unit When,
The window storage method characterized by performing. In an information processing apparatus having a storage unit for storing various data and a communication unit for communicating with other devices,
Communicate with the reader of the predetermined code printed on the payment slip for storing the counter, obtain each code data related to the multiple payment slips read by the reader, and at least store the amount of money and each storage location information indicated by each code data Processing to be stored in the storage unit;
Using the identification information related to the submitter of the payment notice received via a predetermined input means as a key, the account information related to the submitter is acquired by the account information management device existing on the network, and the corresponding account is withdrawn. A process for instructing the account system existing on the network to store the account in a predetermined account with the total value of the storage amount in the storage unit as the deposit amount;
After completion of the storage process in the billing system, a process for reassigning the corresponding storage amount from the predetermined account to the account of the corresponding storage organization based on the information of each storage destination stored in the storage unit When,
A window storage program characterized by causing the system to execute.

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