JP2018151698A - Credit and debt management device, credit and debt management method, and credit and debt management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently perform credit management and debt management.SOLUTION: A credit and debt management device comprises: a reading unit which reads a money amount of each item and a transaction identifier from an image obtained by imaging a document in which the money amount of each item in a money transaction and the transaction identifier which identifies the money transaction are described; a storage unit which stores a credit data list which is a list of credit data including the image, the read money amount of each item and the transaction identifier and a debt data list which is a list of debt data; a payment information acquisition unit which acquires payment information including a reception money amount and the transaction identifier based on remittance processing performed based on the debt data including a remittance amount and the transaction identifier based on the money amount of each item; and a verification unit which retrieves the same transaction identifier as the transaction identifier based on the remittance processing in the credit data contained in the credit data list, and verifies the money amount corresponding to the retrieved transaction identifier with the reception money amount based on the remittance processing.SELECTED DRAWING: Figure 5

Description

  The present invention relates to a claim management apparatus, a claim management method, and a claim management program.

  In general, large corporations and small and medium-sized enterprises perform daily tax transactions by accounting for daily transactions based on invoices and receipts using accounting software. On the other hand, small businesses such as micro enterprises and individual business owners do not handle accounting themselves, and entrust accounting books to accounting firms and tax accountant offices (hereinafter referred to as “accounting firms”). There is a tendency to use a bookkeeping service. Accounting firms, etc., receive paper copies of invoices and receipts collected by companies and copies of the bank's bankbook, create accounting books and financial statements using these paper originals as vouchers, and act on behalf of tax returns. ing.

In many cases, there are many paper-based national tax-related documents that the accounting firms leave from the corporate clients, making the bookkeeping work complicated. In addition, the accounting office, etc., interviews the consulting company each time to confirm which transaction is associated with each deposit / withdrawal statement listed in the bank passbook when performing a bookkeeping service. There are many. In some cases, accounting firms have to deal with bookkeeping by human tactics, and administrative inefficiency and high costs are problems in debt management.
In addition, the debtor's response cost to an inquiry from a creditor as to which transaction is associated with each deposit / withdrawal statement described in the bank passbook may increase, leading to problems in debt management.

  Companies in their home countries are obliged to preserve the original papers of national tax documents such as invoices and receipts for the next seven years. However, due to the application of the Electronic Book Preservation Act, It is also permissible to store documents by electromagnetic records rather than original paper. For example, the computer system described in Patent Document 1 includes a national tax-related document scanned according to the electronic book storage method and storage means for storing the corresponding data, and the scanned national tax-related document stored in the slip storage means and the corresponding Perform a search that satisfies the requirements of the electronic book storage method for the data.

JP2012-008992A

  However, in the computer system described in Patent Document 1, national tax-related documents and corresponding data scanned in accordance with the electronic book storage method are stored, but each deposit / withdrawal statement described in the bank passbook is associated with which transaction. There is a problem that the burden of confirmation by creditors and debtors cannot be eliminated.

  The present invention has been made in view of the above points, and provides a claim and debt management apparatus, a claim and debt management method, and a claim and debt management program capable of efficiently performing claim management and debt management.

  The present invention has been made in order to solve the above-mentioned problems. As one aspect of the present invention, a document in which an amount for each item in a money transaction and a transaction identifier for identifying the money transaction are described. An image acquisition unit that acquires an image obtained by imaging, a reading unit that reads the amount and the transaction identifier for each item from the image, the image, and the amount for each item that is read by the reading unit A bond data list that is a list of bond data including the transaction identifier, and a debt data list that is a list of debt data including the amount and the transaction identifier for each item read by the reading unit. Acquires deposit information including a storage unit to store, a deposit amount based on a remittance process performed by the first external device based on the debt data, and the transaction identifier A transaction identifier that is the same as the transaction identifier based on the remittance processing is searched in the bond data included in the bond data list stored in the storage unit, and corresponds to the searched transaction identifier A receivable and debt management apparatus comprising: a collation unit that collates the amount included in the receivable data with the amount of money received based on the remittance process.

  Moreover, as one aspect of the present invention, there is a claim and debt management apparatus, wherein the image acquisition unit acquires an image obtained by capturing a document in which a tax rate for each item is described, and the reading unit includes the item The tax rate for each item is read, and the storage unit is the bond data list that is a list of the bond data including the tax rate for each item read by the reading unit, and for each item read by the reading unit And a debt data list that is a list of debt data including the tax rate.

  Moreover, as one aspect of the present invention, there is provided a claim management apparatus for generating journal data indicating a tax amount for each tax rate based on the amount for each item and the tax rate for each item. A generating unit.

  Moreover, as one aspect of the present invention, the claim management apparatus includes a second output unit that transmits the journal data to a second external device that performs a reporting process based on the journal data. It is characterized by.

Moreover, as one aspect of the present invention, there is provided a claim management apparatus for generating an electronic bill based on the amount and the transaction identifier for each item based on the bond data. When,
An electronic post office box linking unit that transmits the generated electronic invoice to an electronic post office box associated with a debtor and obtains the electronic invoice stored in the electronic post office box associated with the debtor; It is characterized by providing.

  Moreover, as one aspect of the present invention, there is provided a claim management apparatus, wherein the electronic invoice generation unit is configured to determine the amount and the transaction identifier for each item based on trade receivable data transmitted from a sales management system. Based on the above, an electronic bill is generated.

  According to another aspect of the present invention, there is provided a claim and debt management apparatus, comprising a time stamp acquisition unit that gives a public time stamp to the electronic bill.

  Moreover, as one aspect of the present invention, the claim management apparatus includes a remittance data generation unit that generates remittance data including the remittance amount based on the amount for each item and the transaction identifier. It is characterized by.

  Moreover, as one aspect of the present invention, the claim management apparatus includes a remittance data generation unit that generates remittance data including a remittance amount based on the tax rate for each item.

  According to another aspect of the present invention, there is provided a debt management apparatus, a first output unit that transmits the remittance data to the first external device that performs the remittance process based on the remittance data. It is characterized by providing.

  Moreover, as one aspect of the present invention, a deposit / withdrawal statement inquiry screen, which is a credit / debt management device, which is a screen for displaying the deposit information acquired by the deposit information acquisition unit, and the deposit / withdrawal statement inquiry screen A tax filing data generation unit that generates tax filing data that is data linked to the bill image corresponding to the remittance process indicated by the third filing data, and a third filing data that transmits the tax filing data to a third external device. And an output unit.

  According to another aspect of the present invention, there is provided a claim management apparatus including a time stamp acquisition unit that gives a public time stamp to the bill image.

  According to another aspect of the present invention, there is provided a claim management apparatus, wherein the image acquisition unit includes a camera or a scanner.

  According to another aspect of the present invention, there is provided a debt management apparatus comprising a date management unit that manages a claim date based on the claim data list.

  According to another aspect of the present invention, there is provided a claim and debt management apparatus, comprising a due date management unit that manages a due date based on the debt data list.

  Moreover, as one aspect of the present invention, there is provided a claim management apparatus, wherein the collation unit performs payment application based on the deposit amount acquired by the deposit information acquisition unit and the transaction identifier. Features.

  The present invention has been made to solve the above problems, and as one aspect of the present invention, there is provided a method for managing claims and debts using a computer, wherein the image acquisition unit includes an amount for each item in a money transaction, An image acquisition step of acquiring an image obtained by capturing a document in which a transaction identifier for identifying the money transaction is described, and a reading unit for reading the amount and the transaction identifier for each item from the image And a storage unit, a bond data list that is a list of bond data including the image, the amount for each item read by the reading unit, and the transaction identifier, and the item read by the reading unit A storage step for storing a debt data list that is a list of debt data including the amount of money and the transaction identifier, and a deposit information acquisition unit, A deposit information acquisition step for acquiring deposit information including a deposit amount based on a remittance process performed by an external device based on debt data and the transaction identifier, and a matching unit is the same transaction as the transaction identifier based on the remittance process An identifier is searched for in the bond data included in the bond data list stored in the storage unit, the amount included in the bond data corresponding to the searched transaction identifier, and the deposit amount based on the remittance process, And a verification step for verifying, and a claim and debt management method.

  The present invention has been made to solve the above problems, and as one aspect of the present invention, the amount of each item in a money transaction and a transaction identifier for identifying the money transaction are described in a computer. An image acquisition step of acquiring an image obtained by capturing the document, a reading step of reading the amount and the transaction identifier for each item from the image, the image, and the item read in the reading step A debt data list that is a list of bond data including the amount and the transaction identifier, and a debt data list that is a list of debt data including the amount and the transaction identifier for each item read in the reading step And a depositing step based on a remittance process performed by an external device based on the debt data. A deposit information acquisition step for acquiring deposit information including the transaction identifier, and a transaction identifier that is the same as the transaction identifier based on the remittance process is searched in the bond data included in the bond data list stored in the storage step And a reconciliation management program for executing a collation step of collating the amount included in the receivable data corresponding to the searched transaction identifier with the deposit amount based on the remittance processing.

  According to the present invention, debt management and debt management can be performed efficiently.

It is the schematic which shows the outline | summary of the claim | claim and debt management system 1 which concerns on the 1st Embodiment of this invention. It is the schematic which shows the flow of the credit management by the creditor side debt management apparatus 10 which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the invoice by which information is read by the claim | presentation / liability management apparatus 10 which concerns on the 1st Embodiment of this invention. It is the schematic which shows the flow of the debt management by the debtor side debt management apparatus 10 concerning the 1st Embodiment of this invention. It is a block diagram which shows the function structure of the debt management apparatus 10 which concerns on the 1st Embodiment of this invention. It is a flowchart which shows an example of the operation | movement in the claim management processing by the claim management apparatus 10 which concerns on the 1st Embodiment of this invention. It is a flowchart which shows an example of the operation | movement in the debt management process by the debt management apparatus 10 which concerns on the 1st Embodiment of this invention. It is the schematic which shows the flow of the claim management and the debt management by the claim management apparatus 11 concerning the 2nd Embodiment of this invention. It is a block diagram which shows the function structure of the loan and debt management apparatus 11 which concerns on the 2nd Embodiment of this invention. It is the schematic which shows the flow of the debt management by the debtor side debt management apparatus 12 which concerns on the 3rd Embodiment of this invention. It is a block diagram which shows the function structure of the debt management apparatus 12 which concerns on the 3rd Embodiment of this invention.

<First Embodiment>
Hereinafter, a first embodiment of the present invention will be described.
[Outline of Receivables and Debt Management System]
Hereinafter, the outline of the claim management system 1 according to the first embodiment will be described with reference to the drawings.
FIG. 1 is a schematic diagram showing an outline of a claim management system 1 according to the first embodiment of the present invention. As shown in the figure, the claim management system 1 includes a claim management apparatus 10a, a claim management apparatus 10b, a financial institution system 20, an electronic reporting system 30, and an accounting system 40.

The credit liability management device 10a is a terminal device used by creditors to manage credits.
The claim and debt management device 10b is a terminal device used by the debtor for debt management.
The claims and debt management apparatus 10a and the claims and debt management apparatus 10b are configured by a portable small terminal device, for example, a tablet-type dedicated terminal.

  In the following description, when there is no need to distinguish between the claim management apparatus 10a and the claim management apparatus 10b, the description may be simply “the claim management apparatus 10”.

  The claims and debt management apparatus 10a and the claims and debt management apparatus 10b include a camera (an imaging unit 101, which will be described later) that can capture national tax related documents such as bills. The creditor takes an image of the issued invoice by the imaging unit of the claim management apparatus 10a, so that the imaged image (an image that serves as a copy of the invoice (hereinafter referred to as “invoice record image”)) It is stored in a storage medium (a storage unit 100 described later) provided in the claim and liability management apparatus 10a.

  Note that the claim and debt management device 10a and the claim and debt management device 10b are provided with an acquisition unit (not shown) that acquires a bill copy image captured by an external device, so that the claim and debt management device 10a and the claim and debt management device The configuration may be such that 10b acquires a bill copy image and a bill image, respectively.

  The invoice is taken by the creditor debt management device 10a and then sent (for example, mailed) from the creditor to the debtor. Then, the debtor takes an image of the invoice sent from the creditor by the imaging unit of the claim and debt management device 10b, thereby capturing the image (image of the invoice (hereinafter referred to as “invoice image”)). Is stored in a storage medium (a storage unit 100 described later) included in the claim management apparatus 10b.

  The invoice issued by the creditor includes an invoice number (transaction identifier) that uniquely identifies the invoice. The invoice number is not limited to a number consisting of numbers, and may be a character string including symbols and characters.

  The claim and debt management device 10a reads and reads the information indicating the bill amount and the invoice number by a sensor (reading unit 102, which will be described later) that reads the information described in the image provided in the own claim and debt management device 10a. Generate bond data based on information. Then, the claim management apparatus 10a registers the claim data in a claim data list stored in a storage medium (a storage unit 100 described later) provided in the claim management apparatus 10a.

  Further, the claim and debt management apparatus 10b reads information indicating the amount of bill and the invoice number by a sensor (reading unit 102 described later) that reads information described in the image provided in the own claim and debt management apparatus 10b. Debt data based on the read information is generated. Then, the claim and debt management apparatus 10b registers the debt data in a debt data list stored in a storage medium (a storage unit 100 described later) provided in the claim and debt management apparatus 10b.

  The financial institution system 20 is a system managed by a financial institution such as a bank. The financial institution provides financial services such as deposits, loans, and money transfers (including electronic receivables and electronic money) to customers such as companies. It is a system for providing service and account information.

Based on the debt data registered in the above debt data list, the claim management apparatus 10b generates remittance data for causing the financial institution system 20 to perform remittance processing. The remittance data includes the invoice number indicated by the debt data. The claim management apparatus 10b is connected to the financial institution system 20 for communication, and transmits the generated remittance data to the financial institution system 20 via the communication network.
Then, the financial institution system 20 executes a remittance process based on the remittance data transmitted from the claim and liability management apparatus 10b.

  The claim management apparatus 10a is connected to the financial institution system 20 on a regular basis (for example, every day), confirms the deposit / withdrawal details, and confirms whether there is a new deposit by the debtor. Note that the above-mentioned invoice number is included in the deposit information indicating the deposit by the debtor. When there is a new deposit by the debtor, the claim management apparatus 10a receives the deposit amount based on the deposit information and the bill amount based on the claim data including the same invoice number as the invoice number based on the deposit information. , To meet. Then, the claim management apparatus 10a can correctly match the deposit amount with the bill amount (corresponding to the same invoice number) or when matching from the past matching pattern. If it can be estimated, execute the process of payment application.

  Here, “match” means that the claim management apparatus 10a searches the claim data included in the claim data list for the same invoice number as the invoice number included in the deposit information, and searches for the same invoice number. Is searched, the deposit amount included in the deposit information is compared with the bill amount included in the bond data. In addition, the case where “there can be matched correctly” as used herein means that the amount of money included in the deposit information and the amount charged in the claim data are the same as a result of the above verification. Say the case.

  In addition, the case where it can be estimated that a match will occur from the past matching pattern is different from the amount of money included in the deposit information and the amount of charge included in the claim data, but the invoice number or transfer included in the deposit information. This refers to the case where it is determined that the data can be matched from the name, date, etc.

  The claim and liability management apparatus 10a calculates a consumption tax amount for each item based on the amount of money that has been deposited, and generates journal data for causing the electronic reporting system 30 to perform electronic reporting. Then, the claim and debt management apparatus 10a is connected to the electronic reporting system 30 and transmits the generated journal data to the electronic reporting system 30 via the communication network.

  The receivables and payable management apparatus 10 communicates with the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network, whereby the journal data is electronically transmitted via the accounting system 40. It may be configured to transmit to the reporting system 30. In the following description, an example will be described in which the claim and liability management apparatus 10 transmits the generated journal data directly to the electronic reporting system 30 via the communication network.

  Then, the electronic reporting system 30 (second external device) executes electronic reporting processing based on the journal data transmitted from the claim and debt management device 10a.

  In addition, between the claim and debt management apparatus 10a and the financial institution system 20, between the claim and debt management apparatus 10b and the financial institution system 20, and between the claim and debt management apparatus 10a and the electronic reporting system 30, for example, the Internet , Various closed networks (for example, a private line, or a VPN (Virtual Private Network)), or a combination of their communication networks. The communication network may be a wired communication network, or a part or all of it may be a wireless communication network.

[Flow of credit management processing]
Hereinafter, the flow of the claim management processing by the claim management apparatus 10a according to the first embodiment will be described with reference to the drawings.
FIG. 2 is a schematic diagram showing the flow of credit management by the creditor-side credit management device 10 according to the first embodiment of the present invention.

First, receivable management of accounts receivable will be described.
The creditor takes an image of the invoice issued by the camera function provided in the claim management apparatus 10a (FIG. 2, (a)). And the imaged image (invoice copy image) is stored in a storage medium provided in the claim management apparatus 10a.

  Further, the claim management apparatus 10a reads the information described in the invoice receipt image by a sensor that reads the information described in the image, for example, an OCR (Optical Character Recognition / Reader) function or the like. Character recognition). Thereby, the accounts receivable data based on the read information is generated and stored in the storage medium included in the claim management apparatus 10a (FIG. 2, (b)).

Hereinafter, an example of an invoice in which the claim and liability management apparatus 10 reads information will be described.
FIG. 3 is a diagram illustrating an example of an invoice in which information is read by the claim management apparatus 10 according to the first embodiment of the present invention.

In 2019, the “reduced tax rate system” is scheduled to come into effect in 2019 due to the consumption tax increase. Conventionally, a single tax rate has been applied to all items, but a different tax rate (8% or 10%) is applied depending on the item by the reduced tax rate system. When the reduced tax rate system is enacted, creditors will be required to list the tax rate for each item in the invoice they issue. In addition, in 2023, a method for storing invoices, etc. based on the “Eligible Invoices Storage System (Invoice System)”, which requires that the tax amount be listed for each tax rate in the invoice, will be introduced in 2023. Yes.
In this way, the introduction of the reduced tax rate system makes it difficult to uniquely identify which payment the tax amount described for each tax rate corresponds to, and makes the work of journalizing for each tax rate complicated. It is expected that.

  In the description area ar1 of the bill iv1 illustrated in FIG. 3, the billing target month, the billing date, the item name of the target item, the amount of the target item, the total amount, and the consumption tax amount are described from the top. Note that a mark “*” is written on the right side of the description position of some item names (FIG. 3, description area ar5). This is because the item with this mark is the item to which the reduced tax rate is applied (in this example, the general item has a 10% consumption tax, but the consumption tax is reduced to 8%) It is a mark to show that it is.

In the description area ar2 of the invoice iv1, the total amount for each tax rate and the consumption tax amount for each tax rate are described. In addition, in the description area ar3 of the invoice iv1, the name of the business operator (creditor) who issued the invoice iv1 and the registration number for identifying the business operator are described. The registration number is not limited to a number consisting of numbers, and may be a character string including symbols and characters.
In addition, in the description area ar4 of the invoice iv1, an invoice number (transaction identifier), which is an identification number for uniquely identifying the invoice, is described.

  The claim and debt management apparatus 10a stores, for example, a bill copy image generated by capturing the bill iv1 shown in FIG. 3 in the storage area. Further, the claim management apparatus 10a includes the amount for each item and the tax rate for each item (or the amount for each tax rate and the consumption tax for each tax rate), the registration number, and the invoice number described in the invoice record image. Read. Then, the claim / receivable management apparatus 10a generates trade receivable data based on the read information and stores it in the storage area.

Returning again to FIG.
The claim management apparatus 10a performs due date management based on information indicating the due date of accounts receivable included in the accounts receivable data (FIG. 2, (c)).

  The debt management apparatus 10a periodically (for example, every day) communicates with the financial institution system 20, confirms the deposit / withdrawal details, and confirms whether there is a new deposit by the debtor (FIG. 2, ( d)). When there is a new deposit by the debtor, the claim management apparatus 10a acquires deposit information including the deposit amount and an invoice number corresponding to the deposit. The receivables management device 10a refers to the receivable data list stored in the storage medium of its own receivables and liability management device 10a, and includes the receivable data that includes the same invoice number as the invoice number based on the received information. Get billed amount based on. Then, the claim and liability management apparatus 10a matches the deposit amount based on the deposit information with the billing amount based on the receivable data acquired in the above (FIG. 2, (e)).

  Then, when the deposit amount and the bill amount can be correctly matched (which is associated with the same invoice number), the claim management apparatus 10a executes a deposit application process ( FIG. 2, (f)).

  Further, the receivables and payable management apparatus 10a calculates the consumption tax amount for each item of the receivables based on the amount of money received and applied, and provides journal data for causing the electronic filing system 30 to perform the electronic filing. (FIG. 2, (g)). Then, the claim management apparatus 10a is connected to the electronic reporting system 30 and transmits the generated journal data to the electronic reporting system 30 via the communication network (FIG. 2, (h)).

  As described above, the claim management apparatus 10 communicates with the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network, whereby the journal data is converted into the accounting system. The configuration may be such that the information is transmitted to the electronic reporting system 30 via 40.

  Then, the electronic reporting system 30 (second external device) executes electronic reporting processing based on the journal data transmitted from the claim and debt management device 10a.

  In addition, the claim management apparatus 10a does not directly transmit the generated journal data to the electronic reporting system 30, but transmits the journal data to an accounting system that can cooperate with the electronic reporting system 30, for example. The configuration may be such that electronic reporting is performed via

Next, receivable management of bill receivables will be described.
The creditor images the bill of remittance sent from the debtor (for example, mailed) by the camera function provided in the claim and debt management device 10a (FIG. 2, (i)). Then, the captured image (receivable bill image) is stored in a storage medium provided in the claim management apparatus 10a.

  Further, the claim management apparatus 10a reads the information described in the received bill image by a sensor that reads the information described in the image, for example, an OCR function. Thereby, bill receivable data based on the read information is generated and stored in a storage medium provided in the receivables and payable management apparatus 10a (FIG. 2, (j)).

  The claim management apparatus 10a performs due date management based on the bill due date included in the bill receivable data (FIG. 2, (k)).

  The debt management apparatus 10a periodically (for example, every day) communicates with the financial institution system 20, refers to the deposit / withdrawal details, and determines whether there is a new deposit by the debtor (FIG. 2, ( d)). This determination is made based on whether or not new deposit information is generated within a period in which the deposit / withdrawal details are periodically referred to.

  When there is a new deposit by the debtor, the claim management apparatus 10a acquires deposit information including the deposit amount and the bill number corresponding to the deposit. The debt management device 10a refers to the credit data list stored in the storage medium of its own debt management device 10a, and includes the bill receivable data containing the same bill number as the bill number based on the payment information. Get the charge amount based on. Then, the claim and liability management apparatus 10a matches the deposit amount based on the deposit information with the bill amount based on the bill receivable data acquired in the above (FIG. 2, (l)).

  Then, if the deposit amount and the billed amount can be correctly matched (which is associated with the same bill number), the claim management apparatus 10a executes a deposit application process ( FIG. 2, (m)).

  Further, the claim and liability management apparatus 10a generates journal data for causing the accounting system 40 to perform accounting processing based on the amount of money that has been deposited. Then, the claim and liability management apparatus 10a is connected to the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network (FIG. 2, (n)).

  Then, the accounting system 40 (second external device) performs accounting processing based on the journal data transmitted from the claim and liability management device 10a.

Next, receivable management of electronically recorded receivables will be described.
The claim management apparatus 10a accesses the electronic record claim front system 50 via the communication network, and makes an acquisition request for the electronic record claim data (FIG. 2, (o)). As a result, the electronically recorded bond data is acquired from the electronically recorded bond front system 50 to the bond liability management apparatus 10a (FIG. 2, (p)).
The acquired electronically recorded bond data is stored in a storage medium provided in the bond management apparatus 10a.

  The claim management apparatus 10a performs due date management based on the electronically recorded claim date included in the electronically recorded claim data (FIG. 2, (q)).

  The debt management apparatus 10a periodically (for example, every day) communicates with the financial institution system 20, confirms the deposit / withdrawal details, and confirms whether there is a new deposit by the debtor (FIG. 2, ( d)). When there is a new deposit by the debtor, the claim management apparatus 10a acquires deposit information including the deposit amount and an electronically recorded receivable number corresponding to the deposit. The credit record management device 10a refers to the claim data list stored in the storage medium of its own claim management device 10a, and includes an electronic record claim number that is the same as the electronic record claim number based on the deposit information. Get billed amount based on bond data. Then, the claim and liability management device 10a matches the deposit amount based on the deposit information with the bill amount based on the electronically recorded bond data acquired in the above (FIG. 2, (r)).

  Then, when the deposit amount and the billed amount can be correctly matched with each other (the same electronic record receivable number is associated), the claim and debt management apparatus 10a executes the deposit application process. (FIG. 2, (s)).

  Further, the claim and liability management apparatus 10a generates journal data for causing the accounting system 40 to perform accounting processing based on the amount of money that has been deposited. Then, the claim and debt management apparatus 10a communicates with the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network (FIG. 2, (t)).

  Then, the accounting system 40 (second external device) performs accounting processing based on the journal data transmitted from the claim and liability management device 10a.

[Flow of debt management processing]
Hereinafter, the flow of debt management processing by the claim and debt management apparatus 10b according to the first embodiment will be described with reference to the drawings.
FIG. 4 is a schematic diagram showing the flow of debt management by the debtor-side debt management apparatus 10 according to the first embodiment of the present invention.

First, debt management of accounts payable will be described.
The debtor takes an image of the invoice sent from the creditor (for example, mailed) by the camera function provided in the credit liability management apparatus 10b (FIG. 4, (a)). The captured image (invoice image) is stored in a storage medium included in the claim and liability management apparatus 10b.

  In addition, the claim management apparatus 10b reads information described in the bill image by a sensor that reads information described in the image, for example, an OCR function. Thereby, the accounts payable-account data based on the read information is generated and stored in the storage medium provided in the claim and debt management apparatus 10b (FIG. 4, (b)).

  Note that the claim and debt management apparatus 10b also stores, for example, a bill image generated by imaging the bill iv1 shown in FIG. 3 in the storage area, similar to the above-described creditor and debt management apparatus 10a (on the creditor side). To remember.

  Further, the claim management apparatus 10b obtains the amount for each item and the tax rate for each item (or the amount for each tax rate and the consumption tax for each tax rate), the registration number, and the invoice number described in the invoice image. read. Then, the claim and debt management device 10b generates trade payable data based on the read information and stores it in the storage area.

  The receivables and payable management apparatus 10b performs due date management based on information indicating the payable debt due date included in the payable debt data (FIG. 4, (c)).

  Then, the claim and debt management device 10b calculates the amount of remittance by calculating the amount of consumption tax for each item of accounts payable and summing the amount of consumption tax and the amount charged (FIG. 4, (d)). The receivables and payable management apparatus 10b generates remittance data in which an invoice number based on the payable debt data is assigned to the calculated remittance amount (FIG. 4, (e)).

  For example, EDI (Electronic Data Interchange), which is information that is exchanged with the transfer data for the purpose of improving the efficiency of the payment application process, such as a number that has been agreed between the creditor and the debtor in advance. The invoice number is set in the (exchange) information so that the invoice number is transmitted from the claim management apparatus 10b to the claim management apparatus 10a.

  Then, the claim and debt management apparatus 10b is connected to the financial institution system 20 and transmits the generated remittance data to the financial institution system 20 via the communication network (FIG. 4, (f)).

  Then, the financial institution system 20 (first external device) executes remittance processing based on the remittance data transmitted from the claim and liability management device 10b.

Next, debt management of bill debt will be explained.
The debtor takes an image of the invoice sent from the creditor (for example, mailed) by the camera function provided in the claim management apparatus 10b (FIG. 4, (g)). The captured image (invoice image) is stored in a storage medium included in the claim and liability management apparatus 10b.

  In addition, the claim management apparatus 10b reads information described in the bill image by a sensor that reads information described in the image, for example, an OCR function. Thereby, the bill debt data based on the read information is generated and stored in the storage medium provided in the claim management apparatus 10b (FIG. 4, (h)).

  The claim and debt management apparatus 10b performs due date management based on the bill debt due date included in the bill debt data (FIG. 4, (i)).

Then, the claim and debt management apparatus 10b generates bill data in which an invoice number based on the bill debt data is assigned to the remittance amount based on the bill debt data. The debtor uses a bill issuing machine to print a bill of payment based on the bill data, and sends the printed bill of payment to the creditor (for example, by mail).
Then, the debtor confirms whether settlement to the creditor based on the bill of payment has been made via the financial institution system 20 (first external device) or the like.

Next, debt management of electronic record debt will be described.
The debtor takes an image of the invoice sent from the creditor (for example, mailed) by the camera function provided in the claim management apparatus 10b (FIG. 4, (j)). The captured image (invoice image) is stored in a storage medium included in the claim and liability management apparatus 10b.

  In addition, the claim management apparatus 10b reads information described in the bill image by a sensor that reads information described in the image, for example, an OCR function. Thereby, the electronic record debt data based on the read information is generated and stored in the storage medium provided in the claim and debt management apparatus 10b (FIG. 4, (k)).

  The claim management apparatus 10b performs due date management based on the electronic record debt date included in the electronic record debt data (FIG. 4, (l)).

  Then, the claim and debt management device 10b generates occurrence record data in which the invoice number based on the electronic record debt data is assigned to the remittance amount based on the electronic record debt data (FIG. 4, (m)).

  In addition, as described above, for example, for the purpose of improving the efficiency of the payment application process, the EDI information, which is information that is exchanged in association with the transfer data, such as a number previously decided between the creditor and the debtor. The bill number may be set so that the bill number is transmitted from the claim management apparatus 10b to the claim management apparatus 10a.

  Then, the claim management apparatus 10b is connected to the electronically recorded claim front system 50 (for example, using an electronic recording claim front system cooperation API (Application Programming Interface) function of the claim management apparatus 10b). The generated record data is transmitted to the electronic record bond front system 50 via the communication network (FIG. 4, (n)).

  Then, the electronic record receivable front system 50 (first external device) converts the electronic record receivable on the payment due date through the financial institution system 20 or the like based on the generated record data transmitted from the receivable and payable management apparatus 10b. Based on remittance processing.

[Functional structure of receivables and liability management system]
Hereinafter, the functional configuration of the claim management apparatus 10 according to the first embodiment will be described with reference to the drawings.
FIG. 5 is a block diagram showing a functional configuration of the claim management apparatus 10 according to the first embodiment of the present invention.

  As shown in the figure, the claim management apparatus 10 includes a storage unit 100, an imaging unit 101, a reading unit 102, a due date management unit 103, an application unit 104, a journal data generation unit 105, and a remittance data generation unit. 106, a bill data generation unit 107, a generation / transfer data generation unit 108, and an external system linkage unit 109. Further, the external system linkage unit 109 includes a statement inquiry unit 1090, a financial institution system linkage unit 1091, an electronic reporting system linkage unit 1092, an accounting system linkage unit 1093, and an electronic record bond front system linkage unit 1094. Consists of.

The storage unit 100 stores programs, data, and the like used in various processes performed by the claim and liability management apparatus 10. The data stored in the storage unit 100 includes invoice image data 1001, a bond data list 1002, and a debt data list 1003.
The storage unit 100 is also used as a temporary storage area that is temporarily used in various processes performed by the claim and liability management apparatus 10.

  The storage unit 100 is a storage medium, for example, an HDD (Hard Disk Drive), flash memory, an EEPROM (Electrically Erasable Programmable Read Only Memory), a RAM (Random Access read / write memory). ), ROM (Read Only Memory), or any combination of these storage media.

The imaging unit 101 (image acquisition unit) is a document in which the amount of each item in a money transaction, the tax rate for each item, and a transaction identifier (for example, an invoice number) for identifying the money transaction are described ( For example, a bill, a bill of receipt, etc.) are imaged to generate an image (bill image, bill copy image, bill of receipt image, etc.).
The imaging unit 101 includes a member such as a camera or a scanner, for example.

  The reading unit 102 reads the amount for each item, the tax rate for each item, and the transaction identifier (for example, invoice number) by performing character recognition from the image captured by the image capturing unit 101. The reading unit 102 includes, for example, OCR software.

The due date management unit 103 reads the credit data (for example, trade receivable data, bill receivable data, etc.) including the amount for each item, the tax rate for each item, and the transaction identifier (for example, invoice number) read by the reading unit 102. Alternatively, the due date is managed based on a claim data list which is a list of electronic record claims data).
Further, the due date management unit 103 reads debt data (for example, trade payable debt data, bill debt data) including the amount for each item, the tax rate for each item, and the transaction identifier (for example, invoice number) read by the reading unit 102. , Or electronically recorded debt data) to manage debt due dates based on a debt data list.

  Note that “manage due date” as used herein means that the due date management unit 103 recognizes the date and time by a timekeeping function (for example, a clock (not shown)) provided in the claim and liability management device 10 and based on the date and time. This refers to managing the due date and debt date. For example, the due date management unit 103 recognizes that the due date or the debt due date is approaching or has reached the due date or the debt due date, and confirms the payment, and a notification for encouraging the debtor to deposit. Processing, remittance processing, processing for notifying creditors and debtors, etc. are executed.

  The application unit 104 (verification unit) includes a deposit amount and a transaction identifier (for example, invoice number) inquired by a detail inquiry unit 1090 of the external system cooperation unit 109 described later, and a bond data list stored in the storage unit 100. Based on the amount for each item included in 1002, the tax rate for each item, and the transaction identifier (for example, an invoice number), the payment application is performed.

  The journal data generation unit 105 generates journal data of provisional consumption tax / provisional consumption tax indicating the consumption tax amount for each tax rate based on the amount for each item and the tax rate for each item. Further, journal data for deposit / withdrawal transfer is generated based on the deposit / withdrawal amount.

  The remittance data generation unit 106 calculates the remittance amount based on the amount for each item based on the payables data and the tax rate for each item, and for the information indicating the remittance amount, a transaction identifier based on the payables data (for example, , Remittance data with invoice number) is generated.

  The bill data generation unit 107 generates bill data in which a transaction identifier (for example, an invoice number) based on the bill debt data is added to the information indicating the remittance amount based on the bill debt data.

  The generation / transfer data generation unit 108 generates generation record data in which a transaction identifier (for example, invoice number) based on the electronic record obligation data is added to the information indicating the remittance amount based on the electronic record obligation data.

  The external system cooperation unit 109 transmits and receives data in cooperation with an external device. The external system linkage unit 109 includes a communication interface for linking with an external device via a communication network. As described above, the external system linkage unit 109 includes the statement inquiry unit 1090, the financial institution system linkage unit 1091, the electronic reporting system linkage unit 1092, the accounting system linkage unit 1093, and the electronic record bond front system linkage unit 1094. , Including.

  The detail inquiry unit 1090 (payment information acquisition unit) inquires about the deposit amount and the transaction identifier (for example, invoice number) based on the remittance process performed by the financial institution system 20.

  The financial institution system cooperation unit 1091 (first output unit) transmits the remittance data generated by the remittance data generation unit 106 to the financial institution system 20 that performs remittance processing based on the remittance data via the communication network. .

  The electronic filing system linkage unit 1092 (second output unit) sends a provisional consumption tax based on the receivable data and the payable data to the electronic filing system 30 that performs filing processing based on the journal data via the communication network. / Transmit journal entry data for temporary tax.

  The accounting system cooperation unit 1093 (first output unit) transmits journal data based on the bill receivable data and journal data based on the electronically recorded bond data to the accounting system 40 via the communication network.

The electronic record receivable front system linkage unit 1094 (second output unit) requests the electronic record receivable front system 50 to acquire the electronic record receivable data, and acquires the electronic record receivable data from the electronic record receivable front system 50.
The electronic record bond front system linkage unit 1094 transmits the generated record data generated by the generation / transfer data generation unit 108 to the electronic record bond front system 50 via the communication network.

[Operation of credit management equipment in credit management processing]
Hereinafter, an example of the operation of the claim management apparatus 10 in the claim management process will be described with reference to the drawings.
FIG. 6 is a flowchart showing an example of the operation in the claim management process by the claim management apparatus 10 according to the first embodiment of the present invention. This flowchart starts when an invoice is created by the creditor and the invoice is imaged by the creditor.

(Step S001) The imaging unit 101 captures an invoice in which an amount for each item, a tax rate for each item, and an invoice number are recorded, generates an invoice recording image, and stores the image in the storage unit 100. Let Thereafter, the process proceeds to step S002.

(Step S002) The reading unit 102 reads the amount for each item, the tax rate for each item, and the invoice number from the invoice receipt image captured by the imaging unit 101. Then, the reading unit 102 generates trade receivable data based on the read information, and registers the receivable data in the receivable data list 1002 stored in the storage unit 100. Thereafter, the process proceeds to step S003.
In addition, the claim management apparatus 10 itself creates invoice data electronically, transmits the invoice data to, for example, the debtor's electronic post office box, and generates accounts receivable data based on the invoice data, The account receivable data may be registered in the bond data list 1002 stored in the storage unit 100. In the home country, it is indispensable that the invoice, the invoice data, and the consumption tax calculation details for each item are given (obligated by law).

(Step S003) The due date management unit 103 receives the due date based on the receivable data list that is a list of receivable data including the amount for each item, the tax rate for each item, and the invoice number read by the reading unit 102. Manage. Thereafter, the process proceeds to step S004.

(Step S004) The statement inquiry unit 1090 communicates with the financial institution system 20 to confirm details. Thereafter, the process proceeds to step S005.

(Step S005) If the statement inquiry unit 1090 confirms that a new deposit has been made, the process proceeds to step S006. Otherwise, the process returns to step S004.

(Step S006) The detail inquiry unit 1090 obtains a deposit amount and an invoice number based on a new remittance process performed by the financial institution system 20. The application unit 104 receives the amount and the invoice number acquired by the detail inquiry unit 1090, the amount for each item based on the receivable data included in the receivable data list 1002 stored in the storage unit 100, and the item Reconcile receipts by matching the tax rate with the invoice number. In the case of electronically recorded receivables, the electronically recorded receivables list is also deleted.
Thereafter, the process proceeds to step S007.

(Step S007) The journal data generation unit 105 indicates the consumption tax amount for each tax rate based on the amount for each item and the tax rate for each item based on the trade receivable data for which the payment has been cleared in step S006. (Money transfer / provisional consumption tax recording) is generated. Thereafter, the process proceeds to step S008.

(Step S008) The electronic reporting system linkage unit 1092 (second output unit) transmits the journal data generated in step S007 via the communication network to the electronic reporting system 30 that performs reporting processing based on the journal data. To do.
As described above, the electronic reporting system linkage unit 1092 (second output unit) communicates with the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network. The journal data may be transmitted to the electronic reporting system 30 via the accounting system 40.
Above, the process of this flowchart is complete | finished.

[Operations in the debt management process of the debt management system]
Hereinafter, an example of the operation of the claim management apparatus 10 in the debt management process will be described with reference to the drawings.
FIG. 7 is a flowchart showing an example of the operation in the debt management process by the credit management apparatus 10 according to the first embodiment of the present invention. This flowchart starts when an invoice is sent from a creditor to a debtor (for example, mailed) and the bill is imaged by the debtor.

(Step S <b> 101) The imaging unit 101 generates an invoice image by capturing an invoice in which an amount for each item, a tax rate for each item, and an invoice number are described, and stores the invoice image in the storage unit 100. . Then, it progresses to step S102.

(Step S102) The reading unit 102 reads the amount for each item, the tax rate for each item, and the invoice number from the invoice image captured by the imaging unit 101. Then, the reading unit 102 generates payable debt data based on the read information, and registers the payable debt data in the debt data list 1003 stored in the storage unit 100.
In addition, the claim management apparatus 10 acquires invoice data from, for example, an electronic post office box of the debtor, generates accounts payable data based on information indicated by the invoice data, and stores the accounts payable data in the storage unit 100. It may be configured to be registered in the stored debt data list 1003.
Thereafter, the process proceeds to step S103.

(Step S103) The due date management unit 103 pays the due date based on the debt data list 1003 which is a list of accounts payable data including the amount for each item, the tax rate for each item, and the invoice number read by the reading unit 102. Manage. Thereafter, the process proceeds to step S104.

(Step S104) The remittance data generation unit 106 calculates the remittance amount based on the amount for each item and the tax rate for each item based on the accounts payable data generated in step S102. Thereafter, the process proceeds to step S05.

(Step S105) The remittance data generation unit 106 generates remittance data in which an invoice number based on the accounts payable data is assigned to the information indicating the remittance amount calculated in step S104. Thereafter, the process proceeds to step S106.

(Step S106) The financial institution system cooperation unit 1091 (first output unit) sends the remittance data generated in step S105 to the financial institution system 20 that performs remittance processing based on the remittance data via the communication network. Send. Thereafter, the process proceeds to step S107.

(Step S107) The clearing unit 104 sends the remittance amount and the invoice number based on the remittance data, the amount for each item based on the accounts payable data included in the debt data list 1003 stored in the storage unit 100, and the tax rate for each item And withdraw the withdrawal with reference to the invoice number. Thereafter, the process proceeds to step S108.

(Step S108) The journal data generation unit 105 shows the consumption tax amount for each tax rate based on the amount for each item and the tax rate for each item, based on the payables data withdrawn in step S007. Generate (withdrawal transfer and provisional consumption tax accounting). Thereafter, the process proceeds to step S109.

(Step S109) The electronic reporting system cooperation unit 1092 (second output unit) transmits the journal data generated in step S108 via the communication network to the electronic reporting system 30 that performs reporting processing based on the journal data. To do.
As described above, the electronic reporting system linkage unit 1092 (second output unit) communicates with the accounting system 40 and transmits the generated journal data to the accounting system 40 via the communication network. The journal data may be transmitted to the electronic reporting system 30 via the accounting system 40.
Above, the process of this flowchart is complete | finished.

  As described above, the debtor management apparatus 10b (on the debtor side) according to the first embodiment of the present invention includes the amount for each item read from the image obtained by capturing the invoice and the tax rate for each item. Calculate the remittance amount based on debt data. Then, the claim and liability management apparatus 10b generates remittance data in which a transaction identifier (for example, invoice number) read from an image obtained by capturing an invoice for information indicating the remittance amount is generated, and the generated remittance data is generated. And transmitted to the financial institution system 20 via the communication network.

  At this time, when there are a plurality of remittance data for the same creditor, the remittance data can be generated by adding the remittance data and listing a plurality of transaction identifiers (for example, invoice numbers). Further, the claim and debt management apparatus 10b transmits the journal data generated based on the consumption tax amount calculated based on the debt data to the electronic reporting system 30 via the communication network.

  Further, the claim management apparatus 10a (on the creditor side) according to the first embodiment of the present invention supports the claim data including the amount for each item read from the image obtained by capturing the invoice and the tax rate for each item. The deposit information including the deposit amount obtained by referring to the deposit / withdrawal details is specified based on the matching transaction identifier (for example, invoice number). Then, the claim and debt management apparatus 10a performs payment application by matching the amount for each item and the tax rate for each item included in the debt data with the amount of payment included in the payment information. Then, the claim management apparatus 10a calculates a consumption tax amount for each item based on the amount of money that has been paid off, generates journal data, and sends the generated journal data to the electronic filing system via a communication network. 30.

  In the present embodiment, the payment information corresponding to the bond data is specified based on the fact that the transaction identifier (for example, the invoice number) matches, but the present invention is not limited to this. For each invoice, a configuration in which a virtual account (virtual folder) is generated in the financial institution system 20 may be employed. In this case, the creditor management apparatus 10a (on the creditor side) makes the payment application and journal data based on the deposit amount made in the virtual account and the claim data based on the bill corresponding to the virtual account. Generation can be performed.

  As described above, according to the claim management apparatus 10 according to the first embodiment of the present invention, even when a reduced tax rate is introduced and different tax rates are applied depending on the item, Receivable management such as application, consumption tax calculation for each item, and journal data generation, and debt management such as debt date management, consumption tax calculation for each item, and remittance data generation can be efficiently performed.

<Second Embodiment>
Hereinafter, a second embodiment of the present invention will be described.
[Flow of debt management processing]
Hereinafter, the flow of the debt management processing by the creditor management device 11a (on the creditor side) and the debt management processing by the creditor management device 11b (on the debtor side) according to the second embodiment will be described with reference to the drawings. explain.
In the following description, when it is not necessary to distinguish between the claim management apparatus 11a and the claim management apparatus 11b, the description may be simply “the claim management apparatus 11”.

  FIG. 8 is a schematic diagram showing a flow of credit management and debt management by the credit management apparatus 11 according to the second embodiment of the present invention.

In the following, receivable management of accounts receivable and debt management of accounts payable will be described.
The creditor takes an image of the issued bill using the camera function of the claim and debt management device 11a, and reads the information described in the photographed bill copy image so that the credit receivable management device 11a receives the receivable Data is captured.
Note that the claim and debt management device 11a includes an acquisition unit (not shown) that acquires a bill copy image captured by an external device, whereby the claim and debt management device 11a acquires the bill copy image. It may be.

  The receivables and debt management device 11a acquires the receivables data from an external device (for example, the sales management system 60), and the receivables and debts management device 11a takes in the receivables and receivables data. May be. (FIG. 8, (a)).

  The claim management apparatus 11a calculates a consumption tax for each item based on the acquired trade receivable data, and generates an electronic invoice (FIG. 8, (b)). The electronic bill referred to here is not electronic data generated by imaging a paper bill, but electronic data including numerical data indicating the amount based on the acquired trade receivable data.

  Next, the claim management apparatus 11a sends (transmits) the generated electronic bill to the debtor's electronic post office box 70 (FIG. 8, (c)). As a result, the electronic bill is stored in the electronic post office box 70.

The debtor management apparatus 11b (on the debtor side) accesses the electronic post office box 70 and receives (acquires) the electronic bill stored in the electronic post office box 70 (FIG. 8, (d)). The means for delivering the electronic invoice from the claim management apparatus 11a to the claim management apparatus 11b is not limited to the electronic post office box, but may be other electronic delivery means.
Note that the official time stamp is a time stamp issued by a third party (for example, a time authentication service authorized business operator (TSA)) to prove non-tampering.

  When the claim management apparatus 11b acquires the electronic invoice, it uses the official time stamp to give the electronic invoice a time stamp and then stores it electronically (FIG. 8, (e)). In addition, by giving a time stamp, the electronic invoice becomes a material that can be handled as a related material based on the electronic book storage method.

  The claim and liability management apparatus 11b calculates a consumption tax for each item based on the charged amount for each item and the consumption tax amount for each item included in the acquired electronic invoice (FIG. 8, (f)). Then, the claim and liability management apparatus 11b generates remittance data by adding the invoice number included in the electronic invoice to the remittance amount based on the invoiced amount and the calculated consumption tax amount. The claim management apparatus 11b transmits the generated remittance data to the financial institution system 20 that performs remittance processing based on the remittance data via the communication network (FIG. 8, (g)).

  The creditor management apparatus 11a (on the creditor side) periodically communicates with the financial institution system 20 (for example, every day), refers to the deposit / withdrawal details, and checks whether there is a new deposit by the debtor. Confirm (FIG. 8, (h)). When there is a new deposit by the debtor, the claim management apparatus 11a includes an electronic amount including the deposit amount based on the deposit information acquired from the deposit / withdrawal statement and the same invoice number as the invoice number based on the deposit information. Match the invoice amount based on the invoice. Then, when the deposit amount and the bill amount can be correctly matched (which is associated with the same invoice number), the claim management apparatus 10a executes a deposit application process ( FIG. 8, (i)).

  The claim management apparatus 11a calculates a consumption tax amount for each item based on the amount of money that has been paid off and generates journal data (FIG. 8, (j)). Then, the claim management apparatus 11a is connected to the accounting system 40 and transmits the generated journal data via the communication network.

  The accounting system 40 (second external device) performs electronic reporting processing based on the journal data transmitted from the claim and debt management device 11a in cooperation with the electronic reporting system 30 (not shown).

[Functional structure of receivables and liability management system]
Hereinafter, the functional configuration of the claim management apparatus 11 according to the second embodiment will be described with reference to the drawings.
FIG. 9 is a block diagram showing a functional configuration of the claim management apparatus 11 according to the second embodiment of the present invention.

As shown in the figure, the claim management apparatus 11 includes a storage unit 100, an imaging unit 101, a reading unit 102, a due date management unit 103, an application unit 104, a journal data generation unit 105, and a remittance data generation unit 106. And an external system linkage unit 109, an electronic bill generation unit 110, and a time stamp acquisition unit 111. In addition, the external system linkage unit 109 includes a statement inquiry unit 1090, a financial institution system linkage unit 1091, an electronic reporting system linkage unit 1092, an accounting system linkage unit 1093, a sales management system linkage unit 1095, and an electronic post office box linkage unit. 1096.
In addition, description is abbreviate | omitted about the range of the function which is common in the claim and debt management apparatus 10 which concerns on 1st Embodiment.

  The storage unit 100 stores programs, data, and the like used in various processes performed by the claim and liability management apparatus 11. The data stored in the storage unit 100 of the claim management apparatus 11 according to the present embodiment includes electronic bill data 1004.

  The electronic invoice generating unit 110 is an electronic invoice with details for each item and consumption tax rate based on the amount of each item, the tax rate for each item, and the transaction identifier (for example, invoice number) based on the bond data. Generate a document.

  The time stamp acquisition unit 111 gives a public time stamp to the electronic bill.

  The external system cooperation unit 109 transmits and receives data in cooperation with an external device. As described above, the external system linkage unit 109 of the claim and liability management apparatus 11 according to this embodiment includes the sales management system linkage unit 1095 and the electronic post office box linkage unit 1096.

  The sales management system cooperation unit 1095 communicates with the sales management system 60 and acquires the accounts receivable data from the sales management system 60.

  The electronic post office box linkage unit 1096 transmits the generated electronic invoice to the electronic post office box associated with the debtor via the communication network. Further, the electronic post office box linkage unit 1096 obtains an electronic bill stored in an electronic post office box associated with the debtor.

  As described above, according to the claim management apparatus 11 according to the second embodiment of the present invention, the creditor and the debtor can manage the bill electronically. In addition, the claim management apparatus 11 can generate journal data and the like in cooperation with the settlement process and the payment application process based on the invoice. Thereby, the claim management apparatus 11 can automate a series of billing / payment management and reporting management regarding a reduced tax rate and the like.

<Third Embodiment>
Hereinafter, a third embodiment of the present invention will be described.
[Flow of debt management processing]
Hereinafter, the flow of debt management processing by the claim and debt management apparatus 12 according to the third embodiment will be described with reference to the drawings.
FIG. 10 is a schematic diagram showing a flow of debt management by the debtor-side debt management apparatus 12 according to the third embodiment of the present invention.

Hereinafter, debt management of accounts payable will be described.
The debtor takes an image of a bill sent from the creditor (for example, mailed) by the camera function provided in the credit liability management device 12 (FIG. 10, (a)). The claim management apparatus 12 uses a public time stamp for the captured image (invoice image) to give a time stamp to the invoice image, and then uses the invoice image to manage the invoice image. 12 is stored in a storage medium. In addition, by giving a time stamp, the electronic invoice becomes a material that can be handled as a related material based on the electronic book storage method.

  Moreover, the claim and debt management apparatus 12 reads the information described in the invoice image by a sensor that reads the information described in the image, for example, an OCR function. Thereby, the accounts payable-account data based on the read information is generated and stored in the storage medium provided in the claim management apparatus 12 (FIG. 10, (b)).

  The bond management apparatus 12 is connected to the financial institution system 20 for communication and refers to the deposit / withdrawal details inquiry screen (FIG. 10, (c)). Then, the claim and debt management device 12 is a tax reporting data (for example, deposit / withdrawal data) that links the deposit / withdrawal details inquiry screen and the invoice image of the invoice corresponding to the remittance process indicated by the deposit / withdrawal details inquiry screen. Data for associating the gold statement inquiry screen with the link to the invoice image) is generated (FIG. 10, (d)). Then, the claim and liability management device 12 transmits the generated tax reporting data to the tax reporting system 80 (third external device) via the communication network (FIG. 10, (d)).

  Thereby, the claim and debt management device 12 can manage the journal entry in the accounting book, the voucher such as an invoice, and the deposit / withdrawal details of the account in association with each other. Then, the debtor can browse and search the tax reporting data as evidence of the tax audit and the accounting audit by using the claim management apparatus 12 (FIG. 10, (f)).

[Functional structure of receivables and liability management system]
Hereinafter, the functional configuration of the claim management apparatus 12 according to the third embodiment will be described with reference to the drawings.
FIG. 11 is a block diagram showing a functional configuration of a claim management apparatus 12 according to the third embodiment of the present invention.

As shown in the figure, the claim management apparatus 12 includes a storage unit 100, an imaging unit 101, a reading unit 102, a due date management unit 103, an application unit 104, a journal data generation unit 105, and a remittance data generation unit 106. And an external system linkage unit 109, a time stamp acquisition unit 111, and a tax reporting data generation unit 112. The external system linkage unit 109 includes a statement inquiry unit 1090, a financial institution system linkage unit 1091, an electronic reporting system linkage unit 1092, an accounting system linkage unit 1093, and a tax reporting system linkage unit 1097. Is done.
In addition, description is abbreviate | omitted about the range of the function which is common in the claim and debt management apparatus 10 concerning 1st Embodiment.

The storage unit 100 stores programs, data, and the like used in various processes performed by the claim and debt management apparatus 12. The data stored in the storage unit 100 of the claim management apparatus 12 according to the present embodiment includes tax reporting data 1005.
The time stamp acquisition unit 111 gives a public time stamp to the invoice image.

  The tax reporting data generation unit 112 associates the deposit / withdrawal detail query screen, which is a screen showing the query result by the detail query unit 1090, with the invoice image of the invoice corresponding to the remittance process indicated by the deposit / withdrawal detail query screen. Generate tax declaration data that is data.

The external system cooperation unit 109 transmits and receives data in cooperation with an external device. As described above, the external system linkage unit 109 of the claim and liability management apparatus 12 according to this embodiment includes the tax reporting system linkage unit 1097.
The tax reporting system linkage unit 1097 (third output unit) transmits the tax reporting data to the tax reporting system (third external device) 80 via the communication network.

As described above, the claim management apparatus 12 according to the third embodiment of the present invention can associate the invoice amount and the remittance amount for each tax rate of the invoice or receipt received by the camera function. , Electronic storage of national tax related documents can be realized. Moreover, the claim management apparatus 12 can also confirm the details of the tax rate for each item of the deposit / withdrawal details.
Moreover, the claim and debt management device 12 generates tax reporting data, which is information associating individual amounts and invoices on the deposit / withdrawal detail inquiry screen based on the invoice number and the like. And the claim and debt management apparatus 12 can cooperate with the tax reporting system 80 by transmitting the generated tax reporting data to the tax reporting system 80 via the communication network.

  As described above, the claims and debt management apparatus according to the first to third embodiments of the present invention can efficiently perform claims management and debt management. The claims and debt management apparatus according to the first to third embodiments of the present invention can efficiently perform claims management and debt management even when different tax rates are applied depending on items.

  The embodiment of the present invention has been described in detail above, but the specific configuration is not limited to the above-described one, and various design changes and the like can be made without departing from the scope of the present invention. is there.

In addition, you may make it implement | achieve a part or all of the claim | claim and debt management apparatus in embodiment mentioned above with a computer. In that case, the program for realizing the control function may be recorded on a computer-readable recording medium, and the program recorded on the recording medium may be read by the computer system and executed.
Here, the “computer system” is a computer system built in the claim management apparatus and includes an OS and hardware such as peripheral devices. The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system.
Further, the “computer-readable recording medium” is a medium that dynamically holds a program for a short time, such as a communication line when transmitting a program via a network such as the Internet or a communication line such as a telephone line, In this case, a volatile memory inside a computer system that serves as a server or a client may be included that holds a program for a certain period of time. The program may be a program for realizing a part of the functions described above, and may be a program capable of realizing the functions described above in combination with a program already recorded in a computer system.

  Moreover, you may implement | achieve the claim management apparatus in embodiment mentioned above as integrated circuits, such as LSI (Large Scale Integration). Each functional block of the claim management apparatus may be individually made into a processor, or a part or all of them may be integrated into a processor. Further, the method of circuit integration is not limited to LSI, and may be realized by a dedicated circuit or a general-purpose processor. In addition, when an integrated circuit technology that replaces LSI appears due to the advancement of semiconductor technology, an integrated circuit based on the technology may be used.

DESCRIPTION OF SYMBOLS 1 ... Receivables debt management system, 10 (10a, 10b) ... Receivables debt management apparatus, 11 (11a, 11b) ... Receivables debt management apparatus, 12 ... Receivables debt management apparatus, 20 ... Financial institution system, 30 ... electronic reporting system, 40 ... accounting system, 50 ... electronic record receivable front system, 100 ... storage unit, 101 ... imaging unit (image acquisition unit), 102 · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · ..Generation / transfer data generation unit, 109... External system linkage unit, 110... Electronic bill generation unit, 111 .. time stamp acquisition unit, 112 .. tax declaration data generation unit, 1001.・ Invoice drawing Data, 1002 ... Claim data list, 1003 ... Debt data list, 1004 ... Electronic invoice data, 1005 ... Tax return data, 1090 ... Details inquiry part (payment information acquisition part), 1091 ... Financial institution system cooperation part (first output part), 1092 ... Electronic reporting system cooperation part (second output part), 1093 ... Accounting system cooperation part (first output part), 1094・ ・ ・ Electronic record receivable front system linkage part (second output part), 1095 ... Sales management system linkage part, 1096 ... Electronic post office box linkage part, 1097 ... Tax reporting system linkage part (third Output part)

Claims (18)

An image acquisition unit for acquiring an image in which a document in which the amount of money for each item in a money transaction and a transaction identifier for identifying the money transaction are recorded;
A reading unit that reads the amount and the transaction identifier for each item from the image;
A bond data list that is a list of bond data including the image, the amount for each item read by the reading unit, and the transaction identifier; the amount for each item read by the reading unit; A storage unit for storing a debt data list which is a list of debt data including a transaction identifier;
A deposit information acquisition unit for acquiring deposit information including a deposit amount based on the remittance process made by the first external device based on the debt data and the transaction identifier;
The transaction identifier that is the same as the transaction identifier based on the remittance process is searched in the bond data included in the bond data list stored in the storage unit, and the bond data included in the bond data corresponding to the searched transaction identifier A collation unit that collates the amount of money with the amount of money received based on the remittance processing;
An apparatus for managing debts and debts, comprising: The image acquisition unit acquires an image of a document in which a tax rate for each item is recorded,
The reading unit reads the tax rate for each item,
The storage unit includes the bond data list which is a list of the bond data including the tax rate for each item read by the reading unit, and debt data including the tax rate for each item read by the reading unit. A debt data list, which is a list of
The claim management apparatus according to claim 1. A journal data generation unit that generates journal data indicating a tax amount for each tax rate based on the amount for each item and the tax rate for each item;
The claim management apparatus according to claim 2, further comprising: A second output unit that transmits the journal data to a second external device that performs a reporting process based on the journal data;
The claim management apparatus according to claim 3, further comprising: An electronic invoice generating unit that generates an electronic invoice based on the amount and the transaction identifier for each item based on the bond data;
An electronic post office box linkage unit that transmits the generated electronic invoice to an electronic post office box associated with a debtor and obtains the electronic invoice stored in the electronic post office box associated with the debtor;
The claim management apparatus according to claim 2, further comprising: The electronic invoice generation unit generates an electronic invoice based on the amount and the transaction identifier for each item based on the trade receivable data transmitted from a sales management system. 5. The claim management apparatus according to 5. A time stamp acquisition unit for giving a public time stamp to the electronic bill;
The claim management apparatus according to claim 5, further comprising: A remittance data generation unit for generating remittance data including the remittance amount based on the amount for each item and the transaction identifier;
The claim management apparatus according to claim 1, further comprising: A remittance data generating unit for generating remittance data including a remittance amount based on the tax rate for each item;
The claim management apparatus according to claim 2, further comprising: A first output unit that transmits the remittance data to the first external device that performs the remittance process based on the remittance data;
The claim management apparatus of Claim 8 or Claim 9 characterized by the above-mentioned. The deposit / withdrawal details inquiry screen, which is the screen showing the deposit information acquired by the deposit information acquisition unit, is linked to the invoice image of the invoice corresponding to the remittance process indicated by the deposit / withdrawal details inquiry screen. A tax return data generation unit for generating tax return data as data,
A third output unit for transmitting the tax return data to a third external device;
The claim management apparatus of Claim 8 or Claim 9 characterized by the above-mentioned. A time stamp acquisition unit for giving a public time stamp to the bill image;
The claim management apparatus according to claim 11, further comprising: The image acquisition unit includes a camera or a scanner,
The claim management apparatus according to claim 1. A due date management unit for managing the due date based on the claim data list;
The claim management apparatus according to claim 1, further comprising: A due date management section for managing the due date based on the debt data list;
The claim management apparatus according to claim 1, further comprising: 2. The claim and debt management apparatus according to claim 1, wherein the verification unit performs deposit application based on the deposit amount acquired by the deposit information acquisition unit and the transaction identifier. A method for managing claims and debts using a computer,
An image acquisition step in which an image acquisition unit acquires an image in which a document in which an amount for each item in a money transaction and a transaction identifier for identifying the money transaction are recorded is captured;
A reading unit that reads the amount and the transaction identifier for each item from the image;
A storage unit is a bond data list that is a list of bond data including the image, the amount for each item read by the reading unit, and the transaction identifier, and each item read by the reading unit. Storing a debt data list that is a list of debt data including the amount and the transaction identifier;
A deposit information acquiring step for acquiring deposit information including a deposit amount based on a remittance process made by an external device based on the debt data and the transaction identifier;
The verification unit searches the bond data included in the bond data list stored in the storage unit for the same transaction identifier as the transaction identifier based on the remittance process, and the bond data corresponding to the searched transaction identifier A collation step of collating the amount included in the payment amount with the deposit amount based on the remittance process;
A method for managing claims and debts. On the computer,
An image acquisition step of acquiring an image in which a document in which an amount for each item in a money transaction and a transaction identifier for identifying the money transaction are recorded is captured;
Reading the amount and the transaction identifier for each item from the image;
A bond data list that is a list of bond data including the image, the amount for each item read in the reading step, and the transaction identifier; the amount for each item read in the reading step; A storage step for storing a debt data list that is a list of debt data including a transaction identifier;
A deposit information acquisition step of acquiring deposit information including a deposit amount based on a remittance process performed by an external device based on the debt data and the transaction identifier;
A transaction identifier that is the same as the transaction identifier based on the remittance process is searched in the bond data included in the bond data list stored in the storage step, and the bond data included in the bond data corresponding to the searched transaction identifier A matching step for matching the amount of money with the amount of money received based on the remittance process;
Receivables and debt management program to make you run.

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