JP2019149033A - Dividend payment system, dividend payment device, dividend payment method, and dividend payment program - Google Patents

Abstract

To provide a dividend payment system, a dividend payment device, a dividend payment method, and a dividend payment program, which are capable of improving the efficiency of dividend payment operations in transfer agency operations, making shareholders a retail customer for their financial institutions, saving commission rates, and improving the convenience of stock issuing companies and shareholders.SOLUTION: On the basis of a dividend payment notice imaged by an imaging unit of a terminal device, read data of the dividend payment notice including recipient identification data of a recipient of a stock dividend and the payment amount is obtained. It is determined whether there is dividend payment schedule data corresponding to the read data. If it is determined that there is the dividend payment schedule data corresponding to the read data, it is further determined whether the recipient identification data and registrant identification data match. If it is determined that the recipient identification data and the registrant identification data match, a request of dividend payment to registrant's bank account is transmitted to a farm banking system.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a dividend payment system, a dividend payment device, a dividend payment method, and a dividend payment program.

  Conventionally, in the dividend payment business for stocks, dividends are transferred from financial institutions to shareholders who have registered transfer accounts, and dividend payment notices are sent to shareholders who have not registered transfer accounts. Cash payments were made by sending them and visiting financial institutions.

  However, in the conventional dividend payment business, it is necessary to request a financial institution to transfer money to shareholders who have already registered the transfer account, so the number of shareholders who issue stock certificates increases as the number of shareholders increases. It is necessary to bear a fee, and for shareholders who are not registered for the transfer account, there is a burden of completing payment of dividends together with each person's cash payment, and further, the shareholder needs time to visit the financial institution There was a problem of being.

  The present invention has been made in view of the above-mentioned problems, and is intended to improve the efficiency of dividend payment operations in securities agency operations, make shareholders retail customers for financial institutions in charge, save commissions, and issue shares. An object of the present invention is to provide a dividend payment system, a dividend payment device, a dividend payment method, and a dividend payment program that can improve the convenience of operating companies and shareholders.

  In order to solve the above-described problems and achieve the object, a dividend payment system according to the present invention includes a farm banking system, a terminal device including a photographing unit, and a dividend payment including a storage unit and a control unit. A dividend payment system in which devices are communicably connected, wherein the storage unit stores dividend payment schedule data including planned recipient identification data and planned payment amount of a stock dividend recipient A payment plan storage unit; and a registration storage unit that stores registration data including registrant identification data and bank account data of a registrant who receives dividends at the terminal device, and the control unit includes the terminal Based on the dividend payment notification sheet photographed by the imaging unit of the apparatus, the read data of the dividend payment notification sheet including the recipient identification data of the recipient of the stock dividend and the payment amount is acquired. Reading The data acquisition means, the payment schedule determination means for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the dividend payment schedule data corresponding to the read data by the payment schedule determination means If it is determined that the recipient identification data and the registrant identification data match, a recipient determination unit that determines whether the recipient identification data and the registrant identification data match, and the recipient identification data and the registrant identification by the recipient determination unit. Payment determination means for transmitting a payment request for the dividend to the bank account of the registrant to the farm banking system based on the registration data when it is determined that the data matches. And

  In the dividend payment system according to the present invention, the dividend payment schedule storage unit further stores a confirmation code, and the control unit uses the recipient determination unit to determine the recipient identification data and the registrant identification. When it is determined that the data matches, an approval screen display control unit that controls the terminal device to display an approval screen for inputting the confirmation code, and an input input to the approval screen by the user of the terminal device A code determination unit that determines whether or not the code and the confirmation code match, and the payment requesting unit determines that the input code and the confirmation code match by the code determination unit And sending the dividend payment request to the registrant's bank account to the farm banking system based on the registration data. And butterflies.

  Further, in the dividend payment system according to the present invention, the read data acquisition means may distribute the stock dividend based on a two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. Read data of the dividend payment notice including the payee identification data of the payee and the payment amount is obtained.

  In the dividend payment system according to the present invention, the dividend payment schedule storage means further stores a confirmation code, and the control unit causes the terminal device to display a confirmation screen for inputting the confirmation code. A confirmation screen display control means for controlling the confirmation code, and a code determination means for judging whether or not the input code input to the confirmation screen by the user of the terminal device matches the confirmation code. The schedule determination means determines whether or not there is the dividend payment schedule data corresponding to the read data when the code determination means determines that the input code and the confirmation code match. To do.

  In the dividend payment system according to the present invention, the control unit further includes confirmation code transmitting means for transmitting the confirmation code to the scheduled recipient corresponding to the recipient.

  Further, in the dividend payment system according to the present invention, the recipient identification data includes a recipient telephone number, and the control unit performs confirmation to display a confirmation screen for inputting the telephone number on the terminal device. A screen display control unit; and a code determination unit that determines whether or not the input telephone number input on the confirmation screen by the user of the terminal device matches the recipient telephone number, and the payment schedule The determination means determines whether or not there is the dividend payment scheduled data corresponding to the read data when the code determination means determines that the input telephone number and the recipient telephone number match. Features.

  In the dividend payment system according to the present invention, the storage unit further includes dividend payment storage means for storing dividend payment data, and the payment request means sends the dividend payment request to the farm. When sent to a banking system, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule storage means, and the dividend payment schedule data is used as the dividend payment data. It is further characterized by further comprising dividend payment data update means for storing in the completed storage means.

  Further, in the dividend payment system according to the present invention, the control unit includes a setting screen display control means for controlling the terminal device to display a setting screen for setting new registration data, and a user of the terminal device. When the new registration data is input to the setting screen, the registration screen is further provided with a registration setting unit that stores the registration data having the user as a registrant in the registration storage unit.

  In the dividend payment system according to the present invention, the control unit displays an application screen on the terminal device for inputting an instruction for receiving the dividend when the read data is acquired by the read data acquisition unit. Application screen display control means for controlling the payment to be performed, wherein the payment schedule determination means is configured to receive the dividend corresponding to the read data when the receipt application instruction is input to the application screen by a user of the terminal device. It is characterized by determining whether there is money payment schedule data.

  In the dividend payment system according to the present invention, the control unit determines that the dividend has been paid when the payment schedule determination unit determines that there is no dividend payment schedule data corresponding to the read data. A payment notice screen display control unit for controlling the terminal device to display a payment notice screen to be notified is further provided.

  In the dividend payment system according to the present invention, the control unit may not receive the dividend when the recipient determination means determines that the recipient identification data does not match the registrant identification data. And a non-notification screen display control means for controlling to display a non-notification screen for notifying the terminal device on the terminal device.

  Further, in the dividend payment system according to the present invention, the control unit notifies the impossibility of not receiving the dividend when the code determination unit determines that the input code and the confirmation code do not match. It is further characterized by further comprising an impossibility notification screen display control means for controlling to display a screen on the terminal device.

  Moreover, in the dividend payment device according to the present invention, a dividend payment device including a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device including a photographing unit, The storage unit stores dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment expected amount of stock dividend payment recipients, and dividend reception at the terminal device Registration storage means for storing registration data including registrant identification data and bank account data of the registrant of the registrant, wherein the control unit is a dividend payment notice written by the imaging unit of the terminal device Based on the read data acquisition means for acquiring read data of the dividend payment notice including the recipient identification data and payment amount of the dividend of the stock, and the dividend corresponding to the read data Payment schedule determination means for determining whether there is payment schedule data; and when the payment schedule determination means determines that there is the dividend payment schedule data corresponding to the read data, the recipient identification data and the Recipient determination means for determining whether or not the registrant identification data matches, and when the recipient identification means determines that the recipient identification data and the registrant identification data match, the registration data And a payment requesting unit for transmitting a payment request for the dividend to the bank account of the registrant to the farm banking system.

  Further, the dividend payment method according to the present invention is a dividend payment system in which a farm banking system, a terminal device including a photographing unit, and a dividend payment device including a storage unit and a control unit are communicably connected. A dividend payment method for executing a dividend payment schedule, wherein the storage unit stores dividend payment schedule data including a scheduled recipient identification data and a planned payment amount of a stock dividend The terminal device, comprising: storage means; and registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device, and executed by the control unit Based on the dividend payment notice taken by the photographing unit, the reading data of the dividend payment notice including the recipient identification data of the recipient of the stock dividend and the payment amount is acquired. A data acquisition step; a payment schedule determination step for determining whether or not the dividend payment schedule data corresponding to the read data is present; and the dividend payment schedule data corresponding to the read data in the payment schedule determination step If it is determined that the recipient identification data and the registrant identification data match, the recipient identification step determines whether the recipient identification data matches the registrant identification data, and the recipient identification data and the registration in the recipient determination step. A payment requesting step of transmitting, to the farm banking system, a payment request for the dividend to the bank account of the registrant based on the registration data when it is determined that the identification data matches the person identification data. Features.

  In addition, a dividend payment method according to the present invention is executed by a farm banking system and a dividend payment device including a storage unit and a control unit, which is connected to a terminal device including a photographing unit so as to be communicable. The dividend payment method of the above, wherein the storage unit stores dividend payment schedule storage means for storing the dividend payment schedule data including the expected payment recipient identification data of the stock dividend payment recipient and the expected payment amount; And a registration storage means for storing registration data including registrant identification data and bank account data of a registrant who receives dividends at the terminal device, and the photographing of the terminal device is executed by the control unit. Based on the dividend payment notice taken by the department, a read data acquisition step for obtaining read data of the dividend payment notice including the recipient identification data and the payment amount of the stock dividend And a payment schedule determination step for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the dividend payment schedule data corresponding to the read data in the payment schedule determination step. A recipient determination step for determining whether the recipient identification data and the registrant identification data match, and the recipient identification data and the registrant identification in the recipient determination step. A payment requesting step of transmitting to the farm banking system a payment request for the dividend to the bank account of the registrant based on the registration data when it is determined that the data matches. To do.

  In addition, the dividend payment program according to the present invention is executed by a farm banking system and a dividend payment device including a storage unit and a control unit, which is communicably connected to a terminal device including a photographing unit. The dividend payment program of claim 1, wherein the storage unit stores dividend payment schedule storage means for storing dividend payment schedule data including a scheduled payment recipient identification data and a payment scheduled amount of a stock dividend. Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device, and in the control unit, in the photographing unit of the terminal device Read data for acquiring read data of the dividend payment notice including the recipient identification data of the recipient of the stock dividend and the payment amount based on the dividend payment notice taken in the above A payout schedule determination step for determining whether or not there is the dividend payment schedule data corresponding to the read data; and the dividend payment schedule data corresponding to the read data in the payment schedule determination step. If it is determined that the recipient identification data and the registrant identification data match, a recipient determination step for determining whether the recipient identification data matches the registrant identification data; and the recipient identification data and the registrant in the recipient determination step A payment requesting step of transmitting a payment request for the dividend to the bank account of the registrant to the farm banking system based on the registration data when it is determined that the identification data matches. Features.

  According to the present invention, there is an effect that it is possible to realize real-time dividend delivery and cost reduction. Moreover, according to this invention, there exists an effect that the commission which has generate | occur | produced conventionally can be saved. Further, according to the present invention, it is possible to provide a service that appeals to retail customers of shareholders for financial institutions in charge. Moreover, according to this invention, there exists an effect that the convenience of a business company can be improved. In addition, according to the present invention, there is an effect that it is possible to improve the efficiency of dividend payment office work in securities agency office work. Further, according to the present invention, there is an effect that it is possible to improve the convenience of shareholders.

FIG. 1 is a diagram showing an example of conventional dividend payment processing. FIG. 2 is a diagram illustrating an example of a dividend payment process in the present embodiment. FIG. 3 is a block diagram showing an example of the configuration of the dividend payment system in the present embodiment. FIG. 4 is a flowchart showing an example of processing of the dividend payment system in the present embodiment. FIG. 5 is a flowchart showing an example of the dividend payment process in the present embodiment. FIG. 6 is a flowchart showing an example of the dividend payment process in the present embodiment. FIG. 7 is a flowchart showing an example of the dividend payment process in the present embodiment.

  Embodiments of the present invention will be described in detail with reference to the drawings. In addition, this invention is not limited by this embodiment.

[1. Overview]
First, the outline of the present invention will be described with reference to FIG. 1 and FIG. FIG. 1 is a diagram showing an example of conventional dividend payment processing. FIG. 2 is a diagram illustrating an example of a dividend payment process in the present embodiment.

  As shown in FIG. 1, a securities agency has conventionally calculated stock dividends and notifies the amount of money (total dividend) to the business company that is the issuer of stock certificates. As shown in FIG. 1, the business company collects the total amount of dividends and pays it to bank A, which is a bank, and notifies the transfer amount of each shareholder to the bank where the transfer is registered. As shown in FIG. 1, Bank A transfers dividends to each shareholder who has a transfer account registered via the bank to which the transfer account is registered (account transfer route). In this way, a dividend payment notice for receiving dividends at Bank A is notified, and dividend payments are made to shareholders who have not yet registered the bank account (cash payment route). As shown in Figure 1, Bank A will refund dividends to the securities agency if there are no shareholders who have not yet registered the transfer account within the specified payment period, and the securities agency will distribute dividends to shareholders. Payment was made, and after a certain period of time, refunds were made to the operating company. As described above, in each processing stage of the conventional dividend payment process shown in FIG. 1, transaction fees including labor costs are generated. Therefore, as the number of shareholders increases, the cost burden on the business company increases. It was.

  Therefore, as shown in FIG. 2, in this embodiment, the operating company transfers the total amount of stock dividends calculated by the securities agency to a bank that collects receipts by a terminal device such as a smartphone (smartphone collection bank). Deposit money. Then, as shown in FIG. 2, the smartphone receiving bank sends a payment request from the dividend receiving application (dividend receiving application) to the dividend receiving application setting receiving account of the dividend receiving application registrant via the communication network. Automatically, the dividend of the dividend receiving application registrant is automatically transferred to the dividend receiving application setting receiving account, thereby reducing the occurrence of transaction fees during the dividend payment process. I can do it. In this way, in this embodiment, the smartphone receiving and collecting bank deposits the dividend payment fund of the operating company separately from the conventional collecting bank and executes the dividend payment process. As described above, in the present embodiment, the dividend receiving application setting receiving account of each bank is a bank transfer target. Further, in the present embodiment, when the dividend receiving application setting receiving account is a smartphone receiving and collecting bank account, depending on the status and function of the bank's accounting system, the fund delivery is a transfer within the bank, so the cost is reduced in real time. Can be supported.

[2. Dividend payment system configuration]
An example of the configuration of a dividend payment system in which the financial institution system (farm banking system) 600, the terminal device 100, and the server (dividend payment device) 200 according to the present embodiment are communicably connected is described with reference to FIG. I will explain. FIG. 3 is a block diagram showing an example of the configuration of the dividend payment system in the present embodiment.

[Configuration of Terminal Device 100]
In FIG. 3, a terminal device 100 is a mobile terminal, a smart phone, a tablet terminal, a portable terminal such as PHS or PDA (Personal Digital Assistants), or an information processing device such as a desktop or notebook personal computer that is generally commercially available. It may be.

  The terminal device 100 includes a control unit 102, a storage unit 106, a photographing unit 110, and an input / output unit 112. Each unit included in the terminal device 100 is connected to be communicable via an arbitrary communication path. Yes.

  The input / output unit 112 may have a function of performing data input / output (I / O). Here, the input / output unit 112 may be, for example, a key input unit, a touch panel, a control pad (for example, a touch pad and a game pad), a mouse, a keyboard, and a microphone. In addition, the input / output unit 112 may be a display unit (for example, a display, a monitor, a touch panel, or the like configured by liquid crystal or organic EL) that displays (input / output) information such as an application. The input / output unit 112 may be an audio output unit (for example, a speaker) that outputs audio information as audio.

  The imaging unit 110 may be a camera or the like that records images (still images and moving images) captured by an imaging device such as a CCD image sensor or a CMOS image sensor as digital data.

  The terminal device 100 is communicably connected to another device via the network 300 and has a function of communicating data with another device. Here, the network 300 has a function of connecting the terminal device 100, the server 200, and the financial institution system 600 so that they can communicate with each other, and is, for example, the Internet and / or a LAN (Local Area Network).

  The storage unit 106 stores various databases, tables, and / or files. The storage unit 106 stores a computer program for giving various instructions to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). For example, a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), and / or a solid state drive (SSD) can be used as the storage unit 106. The storage unit 106 may store image data recorded by the imaging unit 110, data received via the network 300, and / or input data input via the input / output unit 112. .

  The control unit 102 is a CPU or the like that comprehensively controls the terminal device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, and necessary data, and performs various information processing based on these stored programs. Run. For example, the control unit 102 acquires image data recorded by the photographing unit 110, reads data of character data (URL or the like) included in the image data, transmits / receives data via the network 300, and inputs / outputs via the input / output unit 112. Each process such as obtaining input data and displaying data (screen) on the output unit 114 may be executed.

[Configuration of Server 200]
In FIG. 3, the server 200 may be a personal computer or an information processing apparatus such as a workstation. The server 200 includes a control unit 202 and a storage unit 206, and each unit included in the server 200 is communicably connected via an arbitrary communication path. The server 200 is connected to the terminal device 100 or the financial institution system 600 through the network 300 so as to be able to communicate with each other.

  The storage unit 206 stores various databases, tables, and / or files. The storage unit 206 stores a computer program for giving various instructions to the CPU in cooperation with the OS. The storage unit 206 is a storage unit such as RAM, ROM, HDD, and / or SSD, and stores various databases and tables. The storage unit 206 includes a dividend payment schedule database 206a, a dividend paid database 206b, and a registration database 206c in terms of functional concept.

  The dividend payment schedule database 206a stores the dividend payment schedule data including the scheduled recipient identification data and the planned payment amount of the stock dividend. Here, the dividend payment schedule data may include a payer name and / or a scheduled receipt amount. The dividend payment schedule database 206a may store a confirmation code. Further, the prospective recipient identification data may include a prospective recipient name, a prospective recipient address, a prospective recipient telephone number, a prospective recipient email address, and / or a prospective recipient shareholder number.

  The dividend paid database 206b stores dividend paid data. Here, the dividend payment data may be dividend payment schedule data related to the paid dividend.

  The registration database (dividend receiving application registration database) 206c stores registration data including registrant identification data and bank account data of a registrant who receives dividends in the terminal device 100. Here, the registrant identification data may include registrant name (name), registrant address, registrant telephone number, registrant terminal identification data (MAC address, etc.), and / or registrant email address. Good.

  The control unit 202 is a CPU or the like that comprehensively controls the server 200. The control unit 202 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run. The control unit 202 functionally conceptually includes a read data acquisition unit 202a, a setting screen display control unit 202b, a registration setting unit 202c, an application screen display control unit 202d, a confirmation code transmission unit 202e, and a confirmation screen display control. 202f, payment schedule determination unit 202g, recipient determination unit 202h, approval screen display control unit 202i, code determination unit 202j, paid notification screen display control unit 202k, impossibility notification screen display control unit 202m, , A payment requesting unit 202n and a dividend payment data updating unit 202p.

  Based on the dividend payment notification photographed by the imaging unit 110 of the terminal device 100, the read data acquisition unit 202a includes the dividend payment data including the recipient identification data of the recipient of the stock dividend and the payment amount. Get the reading data of the notice. Here, the read data acquisition unit 202a determines the dividend amount of the stock based on the two-dimensional code (QR code (registered trademark), etc.) on the dividend payment notification sheet imaged by the imaging unit 110 of the terminal device 100. You may acquire the reading data of the said dividend payment notice including the recipient identification data and payment amount of a recipient. The payee identification data may include a payer name, a payment amount, a payee name, a payee address, a payee telephone number, a payee shareholder number, and / or a payout amount.

  The setting screen display control unit 202b controls the terminal device 100 to display a setting screen for setting new registration data.

  When new registration data is input to the setting screen by the user of the terminal device 100, the registration setting unit 202c stores the registration data having the user as a registrant in the registration database 206c.

  The application screen display control unit 202d controls the terminal device 100 to display an application screen for inputting a payout receipt application instruction when the read data is acquired by the read data acquisition unit 202a.

  The confirmation code transmission unit 202e transmits the confirmation code to the intended recipient corresponding to the recipient. Here, the confirmation code transmitting unit 202e stores the scheduled recipient email address or the scheduled recipient telephone number (scheduled recipient telephone number (stored in the dividend payment schedule database 206a) of the scheduled recipient corresponding to the recipient identification data included in the read data. A confirmation code may be sent to the SMS. Further, the confirmation code transmission unit 202e may generate a confirmation code before transmission. The confirmation code transmitting unit 202e may store the transmitted confirmation code in the dividend payment schedule database 206a.

  The confirmation screen display control unit 202f controls the terminal device 100 to display a confirmation screen for inputting a confirmation code. Here, the confirmation screen display control unit 202f may control the terminal device 100 to display a confirmation screen for inputting a telephone number.

  The payment schedule determination unit 202g determines whether there is dividend payment schedule data corresponding to the read data. Here, when the code determination unit 202j determines that the input code and the confirmation code match, the payment schedule determination unit 202g stores the dividend payment schedule data stored in the dividend payment schedule database 206a corresponding to the read data. It may be determined whether or not there is. If the code determination unit 202j determines that the input telephone number and the recipient telephone number match, the payment schedule determination unit 202g stores the dividend payment schedule stored in the dividend payment schedule database 206a corresponding to the read data. It may be determined whether there is data. Further, the payment schedule determination unit 202g, when the receipt application instruction is input on the application screen by the user of the terminal device 100, is there any dividend payment schedule data stored in the dividend payment schedule database 206a corresponding to the read data? It may be determined whether or not.

  The recipient determination unit 202h determines whether the recipient identification data matches the registrant identification data. Here, the recipient determination unit 202h determines whether or not the recipient identification data matches the registrant identification data when the payment schedule determination unit 202g determines that there is dividend payment schedule data corresponding to the read data. Determine.

  The approval screen display control unit 202i causes the terminal device 100 to display an approval screen for inputting a confirmation code when the recipient determination unit 202h determines that the recipient identification data matches the registrant identification data.

  The code determination unit 202j determines whether or not the input code input to the approval screen by the user of the terminal device 100 matches the confirmation code. Here, the code determination unit 202j may determine whether the input code input to the confirmation screen by the user of the terminal device 100 matches the confirmation code. Further, the code determination unit 202j may determine whether or not the input telephone number input on the confirmation screen by the user of the terminal device 100 matches the recipient telephone number.

  The payment notification screen display control unit 202k displays a payment notification screen for notifying the payment of the dividend when the payment schedule determination unit 202g determines that there is no dividend payment schedule data corresponding to the read data. Control to display on the screen.

  The impossibility notification screen display control unit 202m controls the terminal device 100 to display an impossibility notification screen for notifying that the dividend cannot be received. Here, the impossibility notification screen display control unit 202m displays a disapproval notification screen for notifying that the recipient cannot be received when the recipient determination unit 202h determines that the recipient identification data does not match the registrant identification data. You may control to display on the apparatus 100. FIG. In addition, when the code determination unit 202j determines that the input code and the confirmation code do not match, the impossibility notification screen display control unit 202m causes the terminal device 100 to display an impossibility notification screen for notifying that the dividend cannot be received. You may control to.

  The payment requesting unit 202n, when the recipient determining unit 202h determines that the recipient identification data and the registrant identification data match, financially pays the dividend payment request to the registrant's bank account based on the registration data. It transmits to the engine system 600. Here, when the code determination unit 202j determines that the input code and the confirmation code match, the payment request unit 202n issues a payment request for dividends to the bank account of the registrant based on the registration data. 600 may be transmitted.

  When the payment request unit 202n sends a dividend payment request to the financial institution system 600, the dividend payment data update unit 202p deletes the dividend payment schedule data corresponding to the read data from the dividend payment schedule database 206a. The dividend payment schedule data is stored as dividend payment data in the dividend payment database 206b.

[3. Dividend payment system processing]
An example of processing of the dividend payment system according to the present embodiment will be described with reference to FIGS. FIG. 4 is a flowchart showing an example of processing of the dividend payment system in the present embodiment.

  As illustrated in FIG. 4, when the user scans the QR code (registered trademark) of the dividend payment notification using the photographing unit 110 of the terminal device (smartphone) 100, the control unit 102 of the smartphone 100 performs the scan. The read data of the dividend payment notice including the recipient identification data and the payment amount of the dividend of the stock read from the QR code (registered trademark) is transmitted to the server 200, whereby the read data of the server 200 is read. The acquisition unit 202a acquires the read data (step SA-1).

  Then, the application screen display control unit 202d of the server 200 causes the input / output unit 112 of the smartphone 100 to display an application screen (menu screen) for inputting a dividend receiving application instruction or a dividend receiving application setting instruction. Control (step SA-2).

  Then, the application screen display control unit 202d of the server 200 determines whether or not a dividend receiving application instruction is input via the input / output unit 112 of the smartphone 100 by the user who has registered the dividend receiving application (step SA). -3). In the present embodiment, for example, based on whether or not the MAC address of the access source matches the registrant terminal identification data, it is determined whether or not a dividend receiving application instruction has been issued by a user who has already registered the dividend receiving application. Automatic determination may be performed.

  Then, the application screen display control unit 202d of the server 200 does not input a dividend receiving application instruction by a user who has registered the dividend receiving application, but does not input a dividend receiving application setting instruction (dividend) by a user who has not registered the dividend receiving application. If it is determined that the (money receiving application installation instruction) has been input (step SA-3: No), the process proceeds to step SA-4.

  Then, the setting screen display control unit 202b of the server 200 controls the input / output unit 112 of the smartphone 100 to display a setting screen for setting new registration data (dividend receiving application registration data). It is determined whether or not the dividend receiving application registration has been performed via the input / output unit 112 (step SA-4).

  When the setting screen display control unit 202b of the server 200 determines that the dividend receiving application registration has been performed (step SA-4: Yes), the smartphone 100 performs control so that the installation of the dividend receiving application is completed on the smartphone 100. Then, the process proceeds to step SA-5.

  Then, the registration setting unit 202c of the server 200 stores, in the dividend receiving application registration database 206c, registration data in which the user of the dividend receiving application registration performed on the smartphone 100 is a registrant (Step SA-5). The process proceeds to step SA-2.

  On the other hand, when the setting screen display control unit 202b of the server 200 determines that the dividend receiving application registration is not performed and is canceled (step SA-4: No), the process proceeds to step SA-6.

  Then, the impossibility notification screen display control unit 202m of the server 200 controls to display the impossibility notification screen for notifying that the dividend cannot be received on the input / output unit 112 of the smartphone 100 (step SA-6), and the process is terminated. To do.

  On the other hand, when the application screen display control unit 202d of the server 200 determines that a dividend receiving application instruction has been input by a user who has already registered the dividend receiving application (step SA-3: Yes), the smartphone 100 receives the dividend. The receiving application is activated, and the process proceeds to step SA-7.

  Then, the recipient determination unit 202h of the server 200 matches the recipient identification data of the dividend recipient with the registrant identification data of the dividend recipient application setting account holder stored in the dividend recipient application registration database 206c. (Step SA-7).

  Then, the recipient determination unit 202h of the server 200 does not match the recipient identification data of the dividend recipient with the registrant identification data of the dividend recipient application setting account holder stored in the dividend recipient application registration database 206c. (Step SA-7: No), the process proceeds to step SA-6.

  On the other hand, the recipient determination unit 202h of the server 200 matches the recipient identification data of the dividend recipient with the registrant identification data of the dividend recipient application setting account holder stored in the dividend recipient application registration database 206c. When it determines (step SA-7: Yes), a process is made to transfer to step SA-8.

  Then, the approval screen display control unit 202i of the server 200 causes the input / output unit 112 of the smartphone 100 to display an approval screen for inputting a confirmation code (password) as receipt authentication in the dividend receiving application, and determines the code of the server 200. The unit 202j determines whether or not the input code entered on the approval screen by the user of the smartphone 100 matches the confirmation code (step SA-8). As described above, in this embodiment, the user confirms the receipt amount and the deposit account displayed on the smartphone screen, and inputs the password for approval of receipt.

  If the code determination unit 202j of the server 200 determines that the input code input on the approval screen and the confirmation code do not match (step SA-8: No), the process proceeds to step SA-6.

  On the other hand, if the code determination unit 202j of the server 200 determines that the input code input on the approval screen matches the confirmation code (step SA-8: Yes), the process proceeds to step SA-9.

  Then, the payment requesting unit 202n of the server 200 transmits a dividend payment request to the registrant's dividend receiving application setting account to the financial institution system 600, and the financial institution system 600 transfers the dividend to the dividend receiving application setting account. Gold transfer is executed (step SA-9), and the process is terminated.

  Here, with reference to FIG. 5 to FIG. 7, a specific example of the dividend payment process in the present embodiment will be described. 5 to 7 are flowcharts showing an example of the dividend payment process in the present embodiment.

[Dividend payment processing (1)]
As shown in FIG. 5, in the present embodiment, when the user scans the QR code (registered trademark) on the stock dividend payment notice using the smartphone 100, the dividend receiving application instruction or the dividend A payout receiving menu screen for inputting a money receiving application setting instruction is displayed on the smartphone 100 (step SB-1).

  In the present embodiment, when a dividend receiving application instruction on the dividend receiving menu screen is selected by a user who has not registered the dividend receiving application, a message prompting setting (registering) the dividend receiving application and the dividend receiving When the screen displaying the hyperlink to the menu screen is displayed on the smartphone 100 (step SB-2), and the hyperlink to the dividend receiving menu screen is selected by the user, A dividend receipt menu screen is displayed on the smartphone 100 (step SB-3).

  On the other hand, in this embodiment, when a dividend receiving application instruction (dividend smartphone receiving application) on the dividend receiving menu screen is selected by a user who has registered the dividend receiving application, the smartphone 100 receives the dividend receiving application. Is activated, and a confirmation code is transmitted to the intended recipient's e-mail address or the intended recipient's phone number corresponding to the recipient of the dividend described in the dividend payment notice (step SB-4).

  And in this embodiment, when the confirmation screen which inputs a confirmation code is displayed on the smart phone 100, a confirmation code is input into a confirmation screen by the user, and an execution button is selected (step SB-5), a payer ( (Company) Dividend payment details including name, receipt amount and recipient name, and a screen displaying a check box for returning to the dividend receipt menu screen is displayed on the smartphone 100, allowing the user to confirm the amount and processing. When the operation is continued, the execution button is selected (step SB-6). As described above, in this embodiment, the recipient confirmation is executed by the dividend receiving application.

  In the present embodiment, when the approval screen for inputting the confirmation code is displayed on the smartphone 100 as the receipt authentication in the dividend receiving application, the confirmation code is input to the approval screen by the user, and the execution button is selected ( Step SB-7), the payment of the dividend is completed.

[Dividend payment processing (2)]
As shown in FIG. 6, in this embodiment, when the user activates the dividend receiving application of the smartphone 100, a confirmation screen for inputting a confirmation code is displayed on the smartphone 100, and the confirmation code is input to the confirmation screen by the user. When the execution button is selected (step SC-1), the payer name read by the dividend receiving application, the dividend payment contents including the received amount and the recipient name, and the check box for returning to the dividend receiving menu screen Is displayed on the smartphone 100, and in the case of approval, an execution button is selected (step SC-2).

  In this embodiment, the dividend payment schedule corresponding to the read data is confirmed by confirming the match between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a. It is determined whether or not there is dividend payment schedule data stored in the database 206a (step SC-3).

  In the present embodiment, when the coincidence between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a cannot be confirmed (step SC-3: mismatch). A payment notification screen for notifying the payment of the dividend is displayed on the smartphone 100 (step SC-4).

  On the other hand, in the present embodiment, when it is possible to confirm that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a match (Step SC-3: Match), the dividend Confirm the match between the recipient name and recipient address of the payment notice and the dividend recipient application registrant name and dividend recipient application registrant address stored in the dividend recipient application registration database 206c (step SC). -5).

  In this embodiment, the recipient name and recipient address of the dividend payment notification form, the dividend receiving application registrant name and dividend receiving application registrant address stored in the dividend receiving application registration database 206c, If no match can be confirmed (step SC-5: mismatch), an impossibility notification screen for notifying that the dividend cannot be received is displayed on the smartphone 100 (step SC-6).

  On the other hand, in the present embodiment, the recipient name and recipient address of the dividend payment notice, the dividend receiving application registrant name and dividend receiving application registrant address stored in the dividend receiving application registration database 206c, Can be confirmed (step SC-5: match), an approval screen for inputting a confirmation code is displayed on the smartphone 100 as receipt authentication in the dividend receiving application, and the smartphone 100 user inputs the approval screen to the approval screen. It is determined whether or not the input code matches the confirmation code (step SC-7).

  And in this embodiment, when it determines with the input code and the confirmation code which were input into the approval screen by the user of the smart phone 100 not matching, it considers that a confirmation code is unapproved (step SC-7: unapproved), The process proceeds to step SC-6.

  On the other hand, in this embodiment, when it is determined that the input code entered on the approval screen by the user of the smartphone 100 matches the confirmation code, the confirmation code is regarded as approval (step SC-7: approval), and the recipient name Then, the transfer confirmation data including the received amount, the receiving bank account and the shareholder number is transmitted to the financial institution system 600 to cause the financial institution system 600 to execute the dividend transfer to the designated account (receiving bank account) (step SC-8). . As described above, in the present embodiment, transfer data for payout of dividends read and approved by the payout receiving application is created, and necessary funds are transferred or transferred from the storage account of the smartphone receiving and collecting bank.

  In this embodiment, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule database 206a, and the dividend payment schedule data is stored in the dividend payment database 206b as dividend payment data. (Step SC-9), and the process ends.

[Dividend payment processing (3)]
As shown in FIG. 7, in the present embodiment, when the user scans the QR code (registered trademark) of the stock dividend payment notice using the smartphone 100, the dividend receiving application instruction or the dividend A payout receipt menu screen for selecting a money receiving application setting instruction is displayed on the smartphone 100 (step SD-1).

  In this embodiment, when a dividend receiving application instruction (dividend smartphone receiving application) on the dividend receiving menu screen is selected, the dividend receiving application is activated on the smartphone 100 and a telephone number is input. When a confirmation screen is displayed on the smartphone 100, a telephone number is entered on the confirmation screen by the user, and the execution button is selected, the telephone number included in the read data of the dividend payment notice and the dividend payment schedule database 206a are stored. It is confirmed whether or not the received telephone number matches (step SD-2). Here, in the present embodiment, it may be set so as to allow up to three mistakes in inputting the telephone number on the confirmation screen by the user.

  In this embodiment, the user inputs a telephone number on the confirmation screen, and confirms that the telephone number included in the read data of the dividend payment notice and the telephone number stored in the dividend payment schedule database 206a match. If not, the phone number is regarded as unapproved (step SD-2: not approved), and an unnotified notification screen for notifying that the dividend cannot be received is displayed on the smartphone 100 (step SD-3).

  On the other hand, in the present embodiment, the user inputs a telephone number on the confirmation screen, and confirms that the telephone number included in the read data of the dividend payment notice and the telephone number stored in the dividend payment schedule database 206a match. If it is possible, the telephone number is regarded as approval (Step SD-2: Approval), the payer name read by the dividend receiving application, the payment details including the received amount and the payee name, and the dividend receiving menu screen By displaying the screen displaying the check box to return to the smartphone 100, the user confirms the amount of money, and when the process is continued, the execution button is selected (step SD-4).

  In this embodiment, the dividend payment schedule corresponding to the read data is confirmed by confirming the match between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a. It is determined whether or not there is dividend payment schedule data stored in the database 206a (step SD-5).

  In the present embodiment, when the coincidence between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a cannot be confirmed (step SD-5: mismatch), A payment notification screen for notifying the payment of the dividend is displayed on the smartphone 100 (step SD-6).

  On the other hand, in this embodiment, when it is confirmed that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a match (step SD-5: match), the dividend Confirm that the name and address of the recipient of the payment notice are coincident with the name of the dividend receiving application registrant and the address of the dividend receiving application stored in the dividend receiving application registration database 206c (step SD). -7).

  In this embodiment, the recipient name and recipient address of the dividend payment notification form, the dividend receiving application registrant name and dividend receiving application registrant address stored in the dividend receiving application registration database 206c, If no match can be confirmed (step SD-7: mismatch), the process proceeds to step SD-3.

  On the other hand, in the present embodiment, the recipient name and recipient address of the dividend payment notice, the dividend receiving application registrant name and dividend receiving application registrant address stored in the dividend receiving application registration database 206c, Can be confirmed (step SD-7: coincidence), an approval screen for inputting a confirmation code is displayed on the smartphone 100 as receipt authentication in the dividend receiving application, and is input to the approval screen by the user of the smartphone 100. It is determined whether the input code matches the confirmation code (step SD-8).

  And in this embodiment, when it determines with the input code and the confirmation code which were input into the approval screen by the user of the smart phone 100 not matching, it considers that a confirmation code is unapproved (step SD-8: unapproved), The process proceeds to step SD-3.

  On the other hand, in this embodiment, if it is determined that the input code entered on the approval screen by the user of the smartphone 100 matches the confirmation code, the confirmation code is regarded as approval (step SD-8: approval), and the recipient name Then, the transfer confirmation data including the received amount, the receiving bank account and the shareholder number is transmitted to the financial institution system 600, and the financial institution system 600 is caused to execute the dividend transfer to the designated account (receiving bank account) (step SD-9). . As described above, in the present embodiment, transfer data for payout of dividends read and approved by the payout receiving application is created, and necessary funds are transferred or transferred from the storage account of the smartphone receiving and collecting bank.

  In this embodiment, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule database 206a, and the dividend payment schedule data is stored in the dividend payment database 206b as dividend payment data. (Step SD-10), and the process ends.

[4. Other Embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

  For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be performed manually, or all of the processes described as being performed manually are all performed. Alternatively, a part can be automatically performed by a known method.

  In addition, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in the present specification and drawings, unless otherwise specified. Can be changed arbitrarily.

  Further, regarding the terminal device 100, the server 200, and the financial institution system 600, each illustrated component is functionally conceptual and does not necessarily need to be physically configured as illustrated.

  For example, the processing functions provided in the terminal device 100 and the server 200, in particular, the processing functions performed by the control unit 102 and the control unit 202, all or any part thereof are interpreted and executed by the CPU and the CPU. You may implement | achieve by a program and may implement | achieve as hardware by a wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the processing described in the present embodiment, and the terminal device 100 as necessary. Read mechanically. In other words, in a storage unit such as a ROM or a HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

  The computer program may be stored in an application program server connected to the terminal device 100 and the server 200 via an arbitrary network 300, and may be downloaded in whole or in part as necessary. Is also possible.

  In addition, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the “recording medium” refers to a memory card, USB (Universal Serial Bus) memory, SD (Secure Digital) card, flexible disk, magneto-optical disk, ROM, EPROM (Erasable Programmable Read Only Memory), EEPROM (registration). Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Digital, Trademark) Any “portable physical media It is intended to include.

  The “program” is a data processing method described in an arbitrary language or description method, and may be in any form such as source code or binary code. Note that the “program” is not necessarily limited to a single configuration, and functions are achieved in cooperation with a separate configuration such as a plurality of modules and libraries or a separate program represented by the OS. Including things. In addition, a well-known structure and procedure can be used about the specific structure and reading procedure for reading a recording medium in each apparatus shown to this embodiment, the installation procedure after reading, etc.

  The storage unit 106 and various databases stored in the storage unit 206 are storage means such as a memory device such as a RAM and a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk. Stores various programs, tables, databases, web page files, and the like used for provision.

  Further, the terminal device 100 and the server 200 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the terminal device 100 and the server 200 may be realized by installing software (including a program or data) that realizes the processing described in the present embodiment in the device.

  Furthermore, the specific form of distribution / integration of the devices is not limited to that shown in the figure, and all or a part of them may be functionally or physically in arbitrary units according to various additions or according to functional loads. It can be configured to be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and may be selectively implemented.

  The present invention is useful in the financial industry for performing stock dividend payment business.

DESCRIPTION OF SYMBOLS 100 Terminal device 102 Control part 106 Storage part 110 Image | photographing part 112 Input / output part 200 Server 202 Control part 202a Reading data acquisition part 202b Setting screen display control part 202c Registration setting part 202d Application screen display control part 202e Confirmation code transmission part 202f Confirmation screen Display control unit 202g Payment plan determination unit 202h Recipient determination unit 202i Approval screen display control unit 202j Code determination unit 202k Payment notification screen display control unit 202m Impossible notification screen display control unit 202n Payment request unit 202p Dividend payment data update unit 206 Storage unit 206a Dividend payment schedule database 206b Dividend paid database 206c Registration database 300 Network 600 Financial institution system

Claims (16)

A dividend payment system in which a farm banking system, a terminal device including a photographing unit, and a dividend payment device including a storage unit and a control unit are communicably connected,
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment schedule amounts of dividends of stock dividends;
Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device;
With
The controller is
Based on the dividend payment notice taken by the photographing unit of the terminal device, read data of the dividend payment notice including the recipient identification data and payment amount of the stock dividend Reading data acquisition means for acquiring;
Payment schedule determination means for determining whether or not there is the dividend payment schedule data corresponding to the read data;
Recipient determination for determining whether the payee identification data matches the registrant identification data when the payment schedule determination means determines that there is the dividend payment schedule data corresponding to the read data Means,
If the recipient determination means determines that the recipient identification data and the registrant identification data match, the dividend payment request to the registrant's bank account is issued based on the registration data. Payment request means to send to the banking system;
A dividend payment system characterized by comprising: The dividend payment schedule storage means includes:
In addition, memorize the confirmation code,
The controller is
An approval screen display control means for controlling the terminal device to display an approval screen for inputting the confirmation code when the recipient identification means determines that the recipient identification data and the registrant identification data match. When,
Code determination means for determining whether or not the input code input to the approval screen by the user of the terminal device matches the confirmation code;
Further comprising
The payment request means is:
When the code determination means determines that the input code and the confirmation code match, the payment request for the dividend to the registrant's bank account is transmitted to the farm banking system based on the registration data. The dividend payment system according to claim 1, wherein: The read data acquisition means includes
The recipient identification data and the payment amount of the recipient of the stock dividend based on a two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device 3. The dividend payment system according to claim 1, wherein the read data of the dividend payment notice is acquired. The dividend payment schedule storage means includes:
In addition, memorize the confirmation code,
The controller is
Confirmation screen display control means for controlling the confirmation screen for inputting the confirmation code to be displayed on the terminal device;
Code determination means for determining whether or not the input code entered on the confirmation screen by the user of the terminal device matches the confirmation code;
Further comprising
The payment schedule determination means includes
2. The method according to claim 1, wherein when the code determination unit determines that the input code matches the confirmation code, it is determined whether or not there is the dividend payment schedule data corresponding to the read data. The dividend payment system described. The controller is
Confirmation code transmitting means for transmitting the confirmation code to the intended recipient corresponding to the recipient;
The dividend payment system according to claim 2 or 4, further comprising: The recipient identification data is
Including the recipient's phone number,
The controller is
Confirmation screen display control means for controlling the terminal device to display a confirmation screen for inputting a telephone number;
Code determination means for determining whether or not the input telephone number entered on the confirmation screen by the user of the terminal device matches the recipient telephone number;
Further comprising
The payment schedule determination means includes
When the code determination means determines that the input telephone number matches the recipient telephone number, it is determined whether or not there is the dividend payment schedule data corresponding to the read data. Item 3. A dividend payment system according to item 1. The storage unit
Dividend paid storage means for storing dividend paid data,
Further comprising
When the dividend payment request is transmitted to the firm banking system by the payment request unit, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule storage unit, and the dividend payment is performed. Dividend payment data update means for storing schedule data in the dividend payment storage means as the dividend payment data,
The dividend payment system according to any one of claims 1 to 6, further comprising: The controller is
A setting screen display control means for controlling the terminal device to display a setting screen for setting new registration data;
When the new registration data is input to the setting screen by a user of the terminal device, a registration setting unit that stores the registration data with the user as a registrant in the registration storage unit;
The dividend payment system according to claim 1, further comprising: The controller is
An application screen display control means for controlling the terminal device to display an application screen for inputting the dividend receiving application instruction when the read data is acquired by the read data acquisition means;
Further comprising
The payment schedule determination means includes
2. The apparatus according to claim 1, wherein when the receipt application instruction is input to the application screen by the user of the terminal device, it is determined whether or not there is the dividend payment schedule data corresponding to the read data. Dividend payment system. The controller is
When the payment schedule determination unit determines that there is no dividend payment schedule data corresponding to the read data, control is performed to display a payment notification screen for notifying the payment of the dividend on the terminal device. Payment notice screen display control means,
The dividend payment system according to claim 1, further comprising: The controller is
If the recipient identification means determines that the recipient identification data and the registrant identification data do not match, control is performed to display on the terminal device an impossibility notification screen for notifying that the dividend cannot be received. Impossibility notification screen display control means,
The dividend payment system according to claim 1, further comprising: The controller is
Impossibility notification screen display control for controlling the terminal device to display an impossibility notification screen for notifying that the dividend cannot be received when the code determination means determines that the input code and the confirmation code do not match. means,
The dividend payment system according to claim 2, further comprising: A dividend payment device including a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device including a photographing unit,
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment schedule amounts of dividends of stock dividends;
Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device;
With
The controller is
Based on the dividend payment notice taken by the photographing unit of the terminal device, read data of the dividend payment notice including the recipient identification data and payment amount of the stock dividend Reading data acquisition means for acquiring;
Payment schedule determination means for determining whether or not there is the dividend payment schedule data corresponding to the read data;
Recipient determination for determining whether the payee identification data matches the registrant identification data when the payment schedule determination means determines that there is the dividend payment schedule data corresponding to the read data Means,
If the recipient determination means determines that the recipient identification data and the registrant identification data match, the dividend payment request to the registrant's bank account is issued based on the registration data. Payment request means to send to the banking system;
A dividend payment device characterized by comprising: A dividend payment method for causing a dividend payment system connected to be communicably connected to a farm banking system, a terminal device including a photographing unit, and a dividend payment device including a storage unit and a control unit,
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment schedule amounts of dividends of stock dividends;
Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device;
With
To be executed by the control unit;
Based on the dividend payment notice taken by the photographing unit of the terminal device, read data of the dividend payment notice including the recipient identification data and payment amount of the stock dividend A read data acquisition step to acquire;
A payment schedule determining step for determining whether or not there is the dividend payment schedule data corresponding to the read data;
Recipient for determining whether or not the recipient identification data matches the registrant identification data when it is determined in the payment schedule determination step that the dividend payment schedule data corresponding to the read data is present A determination step;
If it is determined in the recipient determination step that the recipient identification data and the registrant identification data match, the payment request for the dividend to the registrant's bank account is made based on the registration data. A payment request step to send to the farm banking system;
A method for paying dividends. A dividend payment method for causing a dividend payment apparatus provided with a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device including a photographing unit, to execute the method,
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment schedule amounts of dividends of stock dividends;
Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device;
With
To be executed by the control unit;
Based on the dividend payment notice taken by the photographing unit of the terminal device, read data of the dividend payment notice including the recipient identification data and payment amount of the stock dividend A read data acquisition step to acquire;
A payment schedule determining step for determining whether or not there is the dividend payment schedule data corresponding to the read data;
Recipient for determining whether or not the recipient identification data matches the registrant identification data when it is determined in the payment schedule determination step that the dividend payment schedule data corresponding to the read data is present A determination step;
If it is determined in the recipient determination step that the recipient identification data and the registrant identification data match, the payment request for the dividend to the registrant's bank account is made based on the registration data. A payment request step to send to the farm banking system;
A method for paying dividends. A dividend payment program for causing a dividend payment device including a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device including a photographing unit, to execute the program,
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including expected payment recipient identification data and payment schedule amounts of dividends of stock dividends;
Registration storage means for storing registration data including registrant identification data and bank account data of a registrant for receiving dividends at the terminal device;
With
In the control unit,
Based on the dividend payment notice taken by the photographing unit of the terminal device, read data of the dividend payment notice including the recipient identification data and payment amount of the stock dividend A read data acquisition step to acquire;
A payment schedule determining step for determining whether or not there is the dividend payment schedule data corresponding to the read data;
Recipient for determining whether or not the recipient identification data matches the registrant identification data when it is determined in the payment schedule determination step that the dividend payment schedule data corresponding to the read data is present A determination step;
If it is determined in the recipient determination step that the recipient identification data and the registrant identification data match, the payment request for the dividend to the registrant's bank account is made based on the registration data. A payment request step to send to the farm banking system;
Dividend payment program to execute.

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