JP2020173520A - Form processing device, form processing system and form processing method - Google Patents

Abstract

To provide a form processing device, a form processing system, and a form processing method capable of collecting a dunning fee.SOLUTION: Image data is read from a form F inserted into a take-in/discharge port and taken into a conveyance path. Based on the read image data, a transaction amount of a payment transaction is acquired. In addition, a delinquency amount is acquired based on the read image data. Further, a dunning fee amount is acquired based on the read image data. Settlement is made with a total transaction amount A4 based on the acquired transaction amount A1, the acquired delinquency amount A2, and the acquired dunning fee amount A3. The dunning fee amount A3 is entered in a dunning fee amount entry field R3 of the form F taken into the conveyance path. In addition, a receipt stamp A5 is entered in a receipt entry field R5 of the form F taken into the conveyance path. After that, the form F is separated into a first part F1 and a second part and a third part F3, and the first part is returned to a user.SELECTED DRAWING: Figure 3

Description

The present invention relates to a form processing device for processing forms, a form processing system, and a form processing method.

The following Patent Document 1 discloses a tax and public money storage machine that is installed in a financial institution such as a bank and automatically performs payment transactions such as taxes and utilities. The tax and public money storage machine detects the transaction amount written on the surface of the imported payment slip and determines the transaction amount. When a customer inserts coins or banknotes with a determined transaction amount into a coin processing device and a banknote processing device, settlement (settlement processing) is performed.

If you do not pay taxes and utilities by the payment deadline, you will be charged a delinquent charge. The tax and public money storage machine disclosed in Patent Document 1 is provided so that a delinquent charge can be collected together with the collection of the payment amount at the time of settlement.

Japanese Unexamined Patent Publication No. 2014-203388

If you do not pay taxes and utilities even if you miss the payment deadline (if you are in arrears), the issuing administrative agency will send you a document (reminder) to pay taxes and utilities. May be urged. Since a fee is required to send (mail) a document, some government agencies may require the delinquent to pay the dunning fee in addition to the delinquent charge when the dunning is made.

However, the tax and public money storage machine disclosed in Patent Document 1 cannot collect a dunning fee. If a dunning fee is incurred, the tax and public money storage machine cannot handle the form. Therefore, in order to settle the form in which the dunning fee is incurred, the user uses a manned window of a financial institution. Must. In order to improve the convenience of the form processing device (tax and public money storage machine) and to reduce the man-hours at financial institutions, it is required to collect a reminder fee by the form processing device.

Therefore, an object of the present invention is to provide a form processing device, a form processing system, and a form processing method capable of collecting a dunning fee.

The present invention is a form processing device that performs a payment transaction using a form, and is acquired by an image data acquisition means for acquiring image data which is an image of the form from a form to be traded, and the image data acquisition means. A transaction amount acquisition means for acquiring the transaction amount of the payment transaction based on the image data, and a dunning fee which is the amount of the dunning fee for the payment transaction based on the image data acquired by the image data acquisition means. The total transaction amount is calculated based on the dunning fee amount acquisition means for acquiring the amount, the transaction amount acquired by the transaction amount acquisition means, and the dunning fee amount acquired by the dunning fee amount acquisition means. Provided is a form processing device characterized in that it includes a settlement means for settlement with a total transaction amount.

In one embodiment of the present invention, a form type acquisition means for acquiring a form type corresponding to the image data based on the image data acquired by the image data acquisition means is further provided. The dunning fee amount acquisition means includes means for acquiring the dunning fee amount based on the form type acquired by the form type acquisition means.
In one embodiment of the present invention, there is further provided with a first pass / fail determination means for determining whether or not to collect the dunning fee for the payment transaction based on the form type acquired by the form type acquisition means. ..

In one embodiment of the present invention, the dunning fee amount acquisition means acquires the dunning fee amount of the payment transaction based on the fee amount information included in the image data acquired by the image data acquisition means. The first means for obtaining the fee amount is provided.
In one embodiment of the present invention, the payment deadline acquisition means for acquiring the payment deadline of the form from the image data acquired by the image data acquisition means is further provided. The dunning fee amount acquisition means calculates the dunning start date based on the payment deadline acquired by the payment deadline acquisition means and a predetermined dunning start date calculation condition, and the dunning start date calculation means. A second fee amount acquisition means for acquiring the reminder fee amount of the payment transaction based on the comparison result between the reminder start date and the current date calculated by the means is provided.

As in one embodiment of the present invention, the dunning start date calculation condition is a day when a predetermined number of days have passed from the payment deadline, a predetermined day of the month following the payment deadline, and a predetermined day of the month following the payment deadline. And at least one of the predetermined dates following the payment deadline may be the dunning start date.
In one embodiment of the present invention, a form type acquisition means for acquiring a form type corresponding to the image data based on the image data acquired by the image data acquisition means, the form type, and the dunning fee amount. And at least one of the dunning start dates, and a means for storing the first correspondence information in which they are associated with each other. The second fee amount acquisition means acquires the dunning fee amount based on the first correspondence information, and / or the dunning start date calculation means obtains the dunning fee amount based on the first correspondence information. Calculate the dunning start date.

In one embodiment of the present invention, the user uses an entry means for entering the dunning fee amount acquired by the dunning fee amount acquisition means in the form and a part of the form in which the dunning fee amount is entered. Further provided with a return means for returning to.
In one embodiment of the present invention, the form includes a return portion to be returned to the user, a processing portion for use in the payment transaction, and a copy copy portion. The entry means fills in the dunning fee amount in all of the return portion, the processing portion, and the copy portion.

In one embodiment of the present invention, a form type acquisition means for acquiring a form type corresponding to the image data based on the image data acquired by the image data acquisition means, the form type, and the dunning fee amount. The entry position to be entered and the means for storing the second correspondence data in which the items are associated with each other are further provided. The entry means fills in the dunning fee amount at the entry position set based on the form type acquired by the form type acquisition means and the second correspondence data.

In one embodiment of the present invention, it is determined that the dunning fee is not collected for the payment transaction when the image data acquired by the image data acquisition means does not include an entry field to be filled in by the entry means. A second pass / fail determination means is provided.
In one embodiment of the present invention, a third propriety-determining means for determining whether or not to collect the dunning fee for the payment transaction is further provided based on the payment deadline acquired by the payment deadline acquisition means. ..

In one embodiment of the present invention, the dunning fee acquisition means further includes a first fee acquisition means for acquiring the dunning fee amount from the image data acquired by the image data acquisition means. When the dunning fee amount can be acquired by the first fee amount acquisition means, the dunning fee amount acquired by the first fee amount acquisition means is validated, and the dunning fee amount acquired by the first fee amount acquisition means is activated. When the dunning fee amount cannot be obtained, the dunning fee amount obtained by the second fee amount acquisition means is validated.

In one embodiment of the present invention, the delinquent amount acquisition means for acquiring the delinquent amount, which is the delinquent amount of the payment transaction, and the settlement means are based on the image data acquired by the image data acquisition means. The total transaction amount is calculated based on the transaction amount acquired by the transaction amount acquisition means, the dunning fee amount acquired by the dunning fee amount acquisition means, and the delinquency amount acquired by the delinquent amount acquisition means. Provide means to do so.

In one embodiment of the present invention, the delinquent charge is a variable charge that fluctuates according to the number of days passed on the current day from the payment deadline of the form, and the dunning fee is a fixed fee.
Further, the present invention is a form processing system for performing payment transactions using a form, which is acquired by an image data acquisition means for acquiring image data which is an image of the form from a form to be traded, and the image data acquisition means. The transaction amount acquisition means for acquiring the transaction amount of the payment transaction based on the image data, and the amount of the dunning fee for the payment transaction based on the image data acquired by the image data acquisition means. The total transaction amount is calculated based on the dunning fee amount acquisition means for acquiring the dunning fee amount, the transaction amount acquired by the transaction amount acquisition means, and the dunning fee amount acquired by the dunning fee amount acquisition means. Provided is a form processing system characterized in that it is provided with a settlement means for settlement with the total transaction amount.

Further, the present invention is a form processing method for performing a payment transaction using a form, and the image data acquisition step of acquiring image data which is an image of the form from the form to be traded, and the acquired image data. Based on the transaction amount acquisition process for acquiring the transaction amount of the payment transaction, and the dunning fee amount acquisition process for acquiring the dunning fee amount which is the amount of the dunning fee for the payment transaction based on the acquired image data. A form processing method comprising, a settlement process of calculating the total transaction amount based on the acquired transaction amount and the acquired dunning fee amount and settling with the total transaction amount. provide.

According to the present invention, image data is acquired from the form. The transaction amount of the payment transaction is acquired based on the acquired image data. In addition, the dunning fee amount is acquired based on the acquired image data. Settled with the total transaction amount based on the acquired transaction amount and the acquired dunning fee amount. This makes it possible to provide a form processing device, a form processing system, and a form processing method capable of collecting a dunning fee.

It is a schematic diagram which shows an example of the form handled by the form processing apparatus which concerns on one Embodiment of this invention. It is a schematic diagram which shows the form in the separated state after the entry of the total transaction amount and the like. It is a schematic diagram which shows the form in the separated state after inputting the dunning fee amount and the like. It is a schematic diagram which shows an example of the reissued form. It is a schematic diagram which shows the form in the separated state after the receipt stamp is filled in. It is a perspective view of the form processing apparatus. It is a schematic side view which shows the internal structure of the form processing apparatus. It is a block diagram which shows the electrical structure of the form processing apparatus. It is a figure which shows the content of the form type processing information stored in the storage part shown in FIG. It is a figure for demonstrating the calculation condition of the dunning start date. It is a flowchart which shows the content of the processing performed by the control unit in the form processing unit at the time of a payment transaction. It is a flowchart which shows the content of the delinquent charge / dunning fee processing of FIG. It is a figure which shows the content of the transaction content screen displayed on the display operation unit shown in FIG. It is a figure for demonstrating the expiry date-related information 201 defined in the form processing apparatus which concerns on another form. It is a figure for demonstrating the collection of the delinquent money in the form processing apparatus which concerns on another form.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 to 5 are schematic views showing an example of a form F handled by the form processing device 1 (see FIG. 6 described later) according to an embodiment of the present invention.
The form processing device 1 in this embodiment is an automated teller machine that is installed in a financial institution such as a bank and automatically performs payment transactions of taxes, utility charges, etc. (hereinafter abbreviated as "charges"). The form F handled by the form processing device 1 is, for example, a form such as a payment form shown in FIG. Specifically, the form F is a payment form issued by an administrative agency such as a city hall or a ward office. Form F, which is a payment slip, is delivered to the user who should pay the fee by mail or the like, and then brought to the financial institution by the user for payment of the fee.

The entire form F is formed in a rectangular shape, for example. In the form F, the first part (return part, part) F1, the second part (reserve part) F2, and the third part (processing part) F3 are arranged side by side in the longitudinal LD of the form F. Have been placed. The first part F1 is a receipt returned to the user after the payment of the fee is completed. The second part F2 is, for example, a payment request form (“delivery form” shown in FIG. 1 and the like) stored at a financial institution or the like. The third part F3 is a payment notice (“delivery notice” shown in FIG. 1 and the like) sent to the payment destination after the payment is completed.

On each surface of the first part F1, the second part F2, and the third part F3, a frame-shaped receipt entry in which each title T, information J regarding the fee to be paid, and receipt stamp A5 are entered. Column R5 and are pre-printed. The information J includes not only letters and numbers but also various symbols such as barcodes.
As shown in FIG. 1, the form F at the time of reaching the user is in a state in which the first portion F1, the second portion F2, and the third portion F3 are integrated. On the form F, the boundary line L1 between the first part F1 and the second part F2 (shown by the broken line) and the boundary line L2 between the second part F2 and the third part F3 (shown by the alternate long and short dash line). And are provided. Each of the boundary line L1 and the boundary line L2 extends linearly along the short direction SD orthogonal to the longitudinal direction LD in the form F, and is laid between a pair of long sides in the form F. The boundary line L1 and the boundary line L2 are straight lines pre-printed on the form F. In this embodiment, the boundary line L1 is formed with a perforation M extending linearly on the boundary line L1 along the short side SD.

The information J includes the amount information J1 regarding the amount of the fee to be paid and the payment deadline (“payment deadline” shown in FIG. 1 and the like) J2 of the fee to be paid. The amount information J1 is the transaction amount entry field (“payment amount” shown in Fig. 1 etc.) R1 for entering the initial transaction amount A1 of the fee, and the delinquent amount when the fee payment deadline J2 is overdue. The delinquent amount entry field R2 for entering A2, the reminder fee amount entry field (entry field) R3 for entering the reminder fee amount A3 when the reminder for payment has already been made by the administrative agency, and the payment should be made. Total transaction amount for entering the total transaction amount of charges (“total transaction amount” shown in Fig. 1 etc.) A4 (that is, the total transaction amount of transaction amount A1, delinquent amount A2, and dunning fee amount A3) Includes entry field R4 and. The delinquent amount A2 is calculated in accordance with (or in accordance with) the "Act on Special Provisions for National Tax Delinquency, etc." The delinquent amount A2 is a variable charge that fluctuates based on the number of days passed from the initial payment deadline (payment deadline for form F that is not reissued). The delinquent amount A2 increases as the number of days passed increases. Calculated based on the "Act on Special Exceptions to National Tax Delinquency, etc." The dunning fee amount A3 is an amount required for dunning by an administrative agency and is a fixed fee.

As shown in FIG. 1, in the normal case (when not reissued later), the transaction amount A1 is paid in the transaction amount entry field R1 and the payment deadline entry field is paid in the form F when it is delivered to the user. The deadline J2 is entered (printed) respectively. The delinquent amount entry field R2, the dunning fee amount entry field R3, and the total transaction amount entry field R4 are blank.
When the user brings the form F to a manned window of a financial institution, the staff at the window informs the user of the amount of the fee to be paid from the information J described in the form F. The fee is settled by the user paying the fee in cash or by performing a procedure to transfer the fee from his / her own account to the payee.

As shown in Fig. 2, if the payment date (hereinafter referred to as the "current date"; for example, "April 10, 2019") does not exceed the payment deadline J2, a delinquent charge or a reminder There are no fees. Therefore, the staff at the counter informs the user of the transaction amount A1 entered in the transaction amount entry field R1 as the total transaction amount. Then, when the settlement is completed, the clerk enters the same amount as the transaction amount A1 in the total transaction amount entry field R4. Further, as shown in FIG. 2, the clerk fills in the receipt stamp A5, which is the proof information of the settlement completion, in each receipt entry field R5 on the form F. After that, the clerk separates the form F into a first portion F1, a second portion F2, and a third portion F3, as shown in FIG. When the clerk hands the first part F1 to the user, the payment transaction between the user and the clerk is completed. The second portion F2 and the third portion F3 are once collected by a financial institution, then separated into a second portion F2 and a third portion F3, and then sent to their respective destinations. When separating the second portion F2 and the third portion F3, the boundary line L2 may be cut with scissors or the like, or a perforation M may be provided in advance on the boundary line L2 to form a boundary. The second portion F2 and the third portion F3 may be separated at the perforation M in the same procedure as the line L1.

On the other hand, as shown in FIG. 3, when the current date has passed the payment deadline J2, a delinquent charge has occurred. In addition, if a reminder has already been issued by an administrative agency such as a city hall or a ward office, a reminder fee may be incurred in addition to the delinquency charge depending on the administrative agency.
In this case, the staff at the counter will check the amount of delinquency and the amount of dunning fee. Then, the total transaction amount A4 is calculated by adding the examined delinquent amount A2 and the dunning fee amount A3 to the transaction amount A1 entered in the transaction amount entry field R1, and this amount is transmitted to the user as the total transaction amount. Then, when the settlement is completed, as shown in FIG. 3, the clerk fills in the delinquent amount A2 in the delinquent amount entry field R2, fills in the dunning fee amount A3 in the dunning fee amount entry field R3, and enters the total transaction amount. Enter the total transaction amount A4 in the column R4. Further, as shown in FIG. 3, the clerk fills in (prints) the receipt stamp A5, which is the proof information of the settlement completion, in each receipt entry field R5 on the form F. After that, the clerk separates the form F into a first portion F1, a second portion F2, and a third portion F3, as shown in FIG. When the clerk hands the first part F1 to the user, the payment transaction between the user and the clerk is completed. Since the subsequent processing is the same as the case of handling the form F of FIG. 2, the description thereof will be omitted.

Depending on the administrative agency, if the payment deadline J2 has been passed, the reissued form F will be reissued, and the reissued form F will be used together with the written reminder or separately from the reminder. May be sent to a person. In the reissued form F, as shown in FIG. 4, a payment deadline J2 is newly set, and the new payment deadline J2 has been entered (printed) in the payment deadline entry field. Then, the dunning fee amount A3 has been entered (printed) in the dunning fee amount entry field R3. Further, the total transaction amount A4 has already been entered (printed) in the total transaction amount entry field R4.

When the user brings the reissued form F (see Fig. 4) to the manned window of the financial institution, the staff at the window gives the user the total transaction amount A4 entered in the total transaction amount entry field R4. Tell. The fee is settled by the user paying the fee in cash or by performing a procedure to transfer the fee from his / her own account to the payee. Then, when the settlement is completed, as shown in FIG. 5, the clerk fills in the receipt stamp A5, which is the proof information of the settlement completion, in each receipt entry field R5 in the form F. After that, the clerk separates the form F into a first portion F1, a second portion F2, and a third portion F3, as shown in FIG. When the clerk hands the first part F1 to the user, the payment transaction between the user and the clerk is completed.

FIG. 6 is a perspective view of the form processing device 1 according to the embodiment of the present invention.
The payment transaction performed between the user and the staff regarding the form F in the above description is performed as an automatic transaction between the form processing device 1 and the user.
The form processing device 1 includes a vertically long box-shaped device main body 2.
In the front surface 3 which is the front surface side surface of the apparatus main body 2, the upper region 3A is shifted one step to the rear side from the lower region 3B, so that the boundary region extending horizontally between the upper region 3A and the lower region 3B 3C is formed. A display operation unit 4 composed of, for example, a liquid crystal monitor with a touch panel is provided in the upper portion of the upper region 3A. In the upper region 3A, a recess 3D recessed to the rear side is formed in the region on the right side of the display operation unit 4, and the recess 3D has a slit-shaped receipt outlet 5 and a card entrance 6 elongated on the left and right. Input units 7 composed of PIN pads and the like are provided side by side in the vertical direction. In the upper region 3A, below the display operation unit 4, there is a slit-shaped intake / discharge port 8 that is elongated to the left and right, and a plate-shaped tray 9 that borders the lower end of the intake / discharge port 8 and projects horizontally to the front side. And are provided.

In the upper part of the lower region 3B of the front surface 3, for example, in the region to the right, elongated slit-shaped bill insertion slots 10 and bill withdrawal ports 11 are provided vertically side by side. The bill insertion slot 10 and the bill withdrawal port 11 are collectively opened and closed by a shutter 12 bent in a substantially L shape across the lower region 3B and the boundary region 3C. A coin withdrawal port 13 is provided in an area on the left side of the bill insertion slot 10 and the bill withdrawal port 11 in the upper part of the lower region 3B, and is located at the same position as the coin withdrawal port 13 in the left-right direction in the boundary region 3C. Is provided with a coin slot 14. The coin withdrawal port 13 and the coin insertion port 14 are collectively opened and closed by the shutter 15 bent in a substantially L shape like the shutter 12. The shutter 12 may be divided into a shutter that opens and closes only the bill insertion slot 10 and a shutter that opens and closes only the bill withdrawal port 11. Similarly, the shutter 15 may be divided into a shutter that opens and closes only the coin withdrawal port 13 and a shutter that opens and closes only the coin insertion slot 14.

The display operation unit 4, the receipt outlet 5, the card entrance 6, the input unit 7, the intake / discharge port 8, the bill insertion slot 10, the bill withdrawal port 11, the coin withdrawal port 13, and the coin insertion port 14 respectively. The position can be arbitrarily changed as long as it is easily accessible to the user. Further, the bill insertion slot 10 and the bill withdrawal port 11 may be combined as a bill deposit / withdrawal port, or the coin withdrawal port 13 and the coin insertion / withdrawal port 14 may be combined as a coin deposit / withdrawal port.

To briefly explain the automatic transaction in the form processing device 1, a user who wants to pay a fee in the automatic transaction first stands in front of the form processing device 1. Then, the user sets the form F in a longitudinal and horizontal posture in the front-rear direction of the form processing device 1 with the surface facing upward so that the first portion F1 is at the end, that is, the third portion. It is placed on the tray 9 so that F3 is at the top, and is inserted into the intake / discharge port 8. As a result, the form F is taken into the apparatus main body 2. Then, the form processing device 1 reads the amount of the charge from the information J (see FIG. 1 and the like) printed on the form F and displays it on the display operation unit 4. A user who pays a fee in cash inserts cash into an open bill slot 10 or coin slot 14. A user who wants to settle a fee with a cash card inserts his / her own cash card into the card entrance 6 and then inputs a personal identification number or the like through the input unit 7.

When either cash settlement or account settlement is completed, the receipt stamp A5 is entered in each receipt entry field R5 in the form F in the form processing device 1 (see FIGS. 2, 3 and 5), and the form F is displayed. , Cut at the perforation M and separated into a first portion F1, a second portion F2, and a third portion F3 (see FIGS. 2, 3 and 5). The second part F2 and the third part F3 are collected in the form processing device 1, and the first part F1 is discharged from the intake / discharge port 8 to the outside of the device main body 2 and returned to the user. .. When change is generated by cash settlement, the change is returned to the user from the bill withdrawal port 11 or the coin withdrawal port 13. In the case of account settlement, a receipt showing the balance of the account and the like is issued from the receipt outlet 5. In each case of cash settlement and account settlement, a receipt showing the details of the current payment transaction may be issued from the receipt outlet 5.

FIG. 7 is a schematic view of the internal structure of the upper part of the form processing device 1 as viewed from the right side. The left side in FIG. 6 is the front side of the form processing device 1, the right side in FIG. 7 is the rear side of the form processing device 1, and the direction perpendicular to the paper surface of FIG. 7 is the left-right direction of the form processing device 1. .. In the following, the description will be made using the front-back direction, the left-right direction, and the up-down direction of the form processing device 1. For convenience of explanation, the receipt outlet 5, the card entrance / exit 6, the input unit 7, and the like described in FIG. 6 are not shown in FIG. A form processing unit 20 is provided in the upper part of the device main body 2 of the form processing device 1.

In relation to the form processing unit 20, a transport path 21 for transporting the form F inserted in the intake / discharge port 8 is provided in the apparatus main body 2. The transport path 21 is a space extending along the locus of the form F transported in the apparatus main body 2. The width direction of the transport path 21 coincides with the left-right direction. The transport path 21 is a first transport path 21A that extends horizontally from the intake / discharge port 8 to the front of the rear surface 22 of the apparatus main body 2 and downward after being curved from the rear end of the first transport path 21A. It includes a second transport path 21B extending from the lower end of the second transport path 21B and a third transport path 21C extending forward after being curved. The form F inserted into the intake / discharge port 8 and taken into the transport path 21 is transported in this order in the first transport path 21A, the second transport path 21B, and the third transport path 21C. .. Therefore, in the transport path 21, the first transport path 21A is located on the upstream side near the intake / discharge port 8 in the transport direction of the form F, and the third transport path 21C is separated from the intake / discharge port 8. It is located on the downstream side. The form F transported in the transport path 21 normally travels along the front-rear direction while maintaining a posture in which two sides (upper and lower sides shown in FIG. 1 and the like) of the form F are aligned with the front-rear direction.

The form processing unit 20 aligns the transport unit 25, the collection unit 26, the import / discharge unit 27 as an example of the intake unit and the discharge unit, the separation unit 28, and the reading unit (image data acquisition means) 29. A unit 31 (see FIG. 8 described below) and an entry unit (entry means) 33 are included.
The collection unit 26 is a space reserved in the apparatus main body 2 for accommodating the third portion F3 (see FIGS. 2, 3, 5, 5 and the like) in the separated form F, and is a third transport. The road 21C is connected to the downstream end in the transport direction, that is, the front end of the third transport path 21C. The intake / discharge unit 27 takes in the form F inserted in the intake / discharge port 8 into the first transport path 21A, or takes in all or a part of the form F in the first transport path 21A. It is a configuration for discharging to 8. The intake / discharge unit 27 includes at least a pair of intake / discharge rollers (return means) 41 arranged so as to sandwich the front end portion adjacent to the intake / discharge port 8 from above and below in the first transport path 21A, and their intakes. Includes a motor (not shown) that rotates the charge / discharge roller 41.

The separation unit 28 is configured to separate the form F at the perforation M, and is arranged on the downstream side, that is, on the rear side of the intake / discharge unit 27 in the transfer direction in the first transfer path 21A. The separating portion 28 includes a cutting member 42, an actuator 43, a first roller (returning means) 44, a second roller 45, and a motor (not shown) that rotates the first roller 44 and the second roller 45. And include.

The cutting member 42 is a cutter made of metal or resin, and the cutting edge 42A extends in the left-right direction. The cutting member 42 can move in a moving direction (vertical direction in FIG. 7) intersecting or orthogonal to the first transport path 21A so that the cutting edge 42A crosses the first transport path 21A. As shown in FIG. 6, the cutting member 42 in the standby position is separated from the first transport path 21A to one side (upper side in FIG. 7) in the moving direction thereof. The actuator 43 is composed of, for example, a motor, and moves the cutting member 42 along the moving direction.

At least one pair of each of the first roller 44 and the second roller 45 is provided along the first transport path 21A. The two first rollers 44 in each pair are arranged to face each other so as to contact each other in the first transport path 21A, and the two second rollers 45 in each pair contact in the first transport path 21A. They are arranged so as to face each other. A plurality of the first roller 44 and the second roller 45 may be arranged side by side in the left-right direction so as to overlap each other when viewed from the left-right direction. The first roller 44 is located upstream of the second roller 45 in the transport direction, and the cutting member 42 is located between the first roller 44 and the second roller 45 in the transport direction. ing.

The reading unit 29 is arranged on the downstream side of the separation unit 28 in the transport direction in the first transport path 21A, and crosses the first transport path 21A in the left-right direction. The reading unit 29 is for optically reading the image of the form F from above to acquire the image information of the form F, and is composed of, for example, a line sensor such as a CIS (Contact Image Sensor).
The alignment unit 31 is configured to correct the posture of the form F to eliminate the skew state, that is, to correct the skew, and is on the downstream side of the first detection unit 30 in the transport direction in the first transport path 21A. It is located in. In this embodiment, the alignment unit 31 is arranged around the separation unit 28 in the transport direction. The alignment unit 31 includes a positioning unit 46, a plurality of pairs of correction rollers 47, and a motor (not shown) for rotating the correction rollers 47.

The positioning portion 46 is formed in a vertically long block shape in the front-rear direction. A plurality of (here, two) positioning portions 46 are arranged side by side along one end in the width direction of the first transport path 21A. The side surface of each positioning unit 46 facing the first transport path 21A is a flat contact surface 46A along the traveling direction of the form F in the first transport path 21A. At least a pair of correction rollers 47 are arranged at the same positions as the positioning portions 46 in the front-rear direction. The two paired correction rollers 47 are arranged to face each other so as to come into contact with each other in the first transport path 21A, and unlike the other rollers, rotate around the rotation axis G extending in the front-rear direction.

The entry unit 33 is arranged in the first transport path 21A on the downstream side in the transport direction from the reading section 29, that is, at the rear end of the first transport path 21A, facing the first transport path 21A from above. (See also FIG. 6). The entry unit 33 is a stamping unit for entering (seal) the receipt A5 in each receipt entry field R5 on the form F, and an amount (transaction amount A1, overdue) in the entry fields R1 to R4 of each entry on the form F. Includes an amount entry section for entering (printing) the amount A2, the dunning fee amount A3, and the total transaction amount A4). The position of the entry unit 33 (that is, the imprint position by the imprint unit and the amount entry position by the amount entry unit) is adjustably provided by driving a drive unit such as an actuator.

As an example, the detection unit 34 is arranged between the reading unit 29 and the writing unit 33 in the transport direction. The detection unit 34 is, for example, a photo interrupter and includes a light emitting element 34A and a light receiving element 34B arranged so as to vertically sandwich the first transport path 21A. In a state where the form F does not exist between the light emitting element 34A and the light receiving element 34B, the detection light (not shown) emitted by the light emitting element 34A is received by the light receiving element 34B. When the form F exists between the light emitting element 34A and the light receiving element 34B, the detection light is blocked by the form F. When the form F passes between the light emitting element 34A and the light receiving element 34B, the detection light is received by the light receiving element 34B again. The detection unit 34 detects the passage of the form F between the light emitting element 34A and the light receiving element 34B by shading or receiving the detection light.

FIG. 8 is a block diagram showing an electrical configuration of the form processing device 1. In addition to the form processing unit 20, a receipt printing unit 65, a card processing unit 66, and a cash processing unit 67 are provided in the device main body 2 of the form processing device 1. The receipt printing unit 65 is a printer for printing a receipt, and a laser printer or a thermal printer can be used as the receipt printing unit 65. The receipt printing unit 65 prints the receipt and discharges it to the receipt outlet 5. The card processing unit 66 reads necessary information from the cash card inserted in the card entrance 6, and discharges the cash card from the card entrance 6 when the payment transaction is canceled or terminated. The cash processing unit 67 counts and stores the cash inserted into the bill insertion slot 10 and the coin insertion slot 14, calculates the change, and puts out the cash for returning the change etc. to the bill withdrawal port 11 and the coin. It is thrown into the gold mouth 13.

The form processing device 1 is a control unit (image data acquisition means, form type acquisition means, transaction amount acquisition means, dunning fee amount acquisition means, settlement means, first passability determination means, second passability determination means, third It includes a pass / fail determination means, a dunning start date calculation means, a first fee amount acquisition means, and a second fee amount acquisition means) 70. The control unit 70 is composed of a microcomputer including a CPU, a ROM, a RAM, and the like. Each of the display operation unit 4, the input unit 7, the form processing unit 20, the receipt printing unit 65, the card processing unit 66, and the cash processing unit 67 is electrically connected to the control unit 70. The control unit 70 controls the display contents of the display operation unit 4 and accepts operations of the touch panel and the input unit 7 of the display operation unit 4 by a user or the like. The control unit 70 causes each of the form processing unit 20, the receipt printing unit 65, the card processing unit 66, and the cash processing unit 67 to execute their respective processes for the payment transaction.

The form processing device 1 further includes a shutter actuator 71, an interface (I / F) unit 72, and a storage unit 73 as another component electrically connected to the control unit 70. The control unit 70 opens and closes the shutter 12 and the shutter 15 by operating the shutter actuator 71.
Various information is stored in the storage unit 73, and in particular, the types of forms F (form types) to be handled by the form processing device 1 are collected in a template or the like and stored in advance.

Further, in the storage unit 73, form type processing information (first correspondence information, dunning start date calculation means, second), which is a correspondence relationship between the type of form F (form type) and the actual processing content in the payment transaction. 73A is stored. The form type processing information 73A will be described later with reference to FIG.
Further, the storage unit 73 stores dictionary information (form type acquisition means, second correspondence information) 73B that is referred to when the control unit 70 performs character recognition (OCR) on the image data acquired by the reading unit 29. Has been done. The dictionary information 73B is data for recognizing the description (characters, numbers, etc.) of the corresponding type of form, and a plurality of the dictionary information 73B are provided according to the form type to be handled. The dictionary information 73B is created based on the feature information (shape and size of the form, description position of characters, numbers, etc., type of characters, numbers, etc.) corresponding to each form type.

Further, the dictionary information 73B includes external identification information such as the size of the form F and the characteristic pattern of the ruled line, position information to be entered in the form F by the entry unit 33 at the time of payment transaction, and entry fields R1 to 2 in the form F. The position information of R5, the presence / absence of the perforation M, and the information of the separation position in the form F are included, and these information are stored in advance for each type of the form F (form type). The dictionary information 73B functions as identification data for identifying the type of form F (form type) from the image of form F included in the image data.

The I / F unit 72 is connected to a LAN (Local Area Network) (not shown), and the control unit 70 can communicate with an external device via the I / F unit 72.
Specifically, the control unit 70 is communicably connected to the tax / public money server 80 via the I / F unit 72. The tax and public money server 80 stores the form type processing information 80A having the same contents as the form type processing information 73A. When the content of the form type processing information 80A is rewritten by the tax and public money server 80, the rewritten content is given to the form processing device 1 via the I / F unit 72, and the content of the form type processing information 73A is rewritten. It will be updated to the later contents.

FIG. 9 is a diagram showing the contents of the form type processing information 73A stored in the storage unit 73.
The form type processing information 73A defines the correspondence between the type of form F (form type) and the actual processing content in the payment transaction. In FIG. 9, a case where the form processing device 1 is installed at a financial institution located in XX city is taken as an example. The form processing device 1 can handle the form F (payment form of charges (utility charges, taxes, etc.)) issued by ○ × city, △ □ city, and ▽◇ city.

The form type is defined by both the type of public institution at the storage destination (“storage destination” in FIG. 9) and the specific type of charge.
In the form type processing information 73A, whether or not the form processing device 1 handles the form F of that type corresponding to each form type (“acceptability” in FIG. 9) is defined. In FIG. 9, the acceptable form types are indicated by “◯”. The unhandled form type is indicated by "x", but in the example of FIG. 9, "x" is not shown.

From the contents of Fig. 9, form F (payment slip for charges (utility charges, taxes, etc.)) issued by XX city, △ □ city, and ▽◇ city can be handled by financial institutions located in XX city. You can see that. On the other hand, in the content of FIG. 9, the dunning fee can be collected only for the form F issued by the city of XX, which is the location of the financial institution. A reminder fee cannot be collected for Form F issued by △ □ City or ▽◇ City, which is different from the location of the financial institution. The reason why the dunning fee is not collected for the form issued by the administrative agency different from the location of the financial institution is that, for example, when the dunning letter is issued and sent by the city, the dunning fee is collected by the city. It cannot be said that it cannot be done.

Further, the form type processing information 73A stipulates whether or not the form processing device 1 collects the delinquent charge according to each form type (“Handling at the time of delinquency” in FIG. 9). In the example of FIG. 9, the form type for collecting the delinquent charge is indicated by "0: with delinquent charge calculation". The form type for which the form F is not handled (that is, rejected) at the time of delinquency is indicated by "1: Unhandled". The type of form that handles the form F at the time of delinquency (that is, does not reject it) but does not collect the delinquent charge is indicated by "2: No delinquent charge is required".

Further, in the form type processing information 73A, it is stipulated whether or not the dunning fee is collected by the form processing device 1 according to each form type. In the example of FIG. 9, the form type for which the dunning fee is not collected is indicated by "0: none". The types of forms for which the dunning fee is collected are indicated by "1: payment deadline a day later", "2: payment deadline next month b day", "3: payment deadline next month c day" and "4: payment deadline two months after d day". ("4" is not shown in FIG. 9, see FIG. 10).

Further, in the form type processing information 73A, for the form type for which the dunning fee is collected, the dunning start date calculation condition 81, which is the reference date for generating the dunning fee, and the dunning fee amount (“cost” in FIG. 9) are defined, respectively. ing.
FIG. 10 is a diagram for explaining the reminder start date calculation condition 81.
The dunning start date is set at a later date than the actual dunning date (for example, the date the dunning letter is mailed to the delinquent). The dunning date is set by the ordinance. That is, on the reminder start date, the reminder has already been given to the delinquent. The dunning start date calculation condition 81 has the following four patterns.

<First pattern>
The dunning start date shall be a days after the payment deadline J2. It corresponds to "1: payment deadline a day later" (see FIG. 9).
<Second pattern>
The b day of the month following the payment deadline J2 shall be the dunning start date. It corresponds to "2: payment deadline b day of the following month" (see Fig. 9).

<Third pattern>
The c-day of the month following the payment deadline J2 shall be the dunning start date. It corresponds to "3: C days after the payment deadline" (see Fig. 9).
<Fourth pattern>
The d-day following the payment deadline J2 shall be the dunning start date. It corresponds to "4: d day of the month after the payment deadline".

In the first pattern, an integer of 1 or more is appropriately set as "a". Further, in the second to fourth patterns, integers from 1 to 31 are appropriately set as "b" to "d".
When the "form type for collecting the dunning fee", "day" and "expense" are "1: payment deadline a day later", "21" and "200" (see Fig. 9), "payment deadline" Is February 20, 2019 (see Fig. 1), the dunning start date is March 14, 2019, and the dunning fee amount is 200 yen.

In addition, when the "form type for collecting the dunning fee", "day" and "expense" are "2: b day of the month following the payment deadline", "20" and "100", respectively (see FIG. 9), " Assuming that the "payment deadline" is February 20, 2019 (see Fig. 1), the dunning start date is March 20, 2019, and the dunning fee amount is 100 yen.
Further, when the "form type for collecting the dunning fee", "day" and "expense" are "3: c day of the month following the payment deadline", "1" and "150", respectively (see FIG. 9), " Assuming that the "payment deadline" is February 20, 2019 (see Fig. 1), the dunning start date is April 1, 2019, and the dunning fee amount is 150 yen.

FIG. 11 is a flowchart showing the contents of processing performed by the control unit 70 in the form processing unit 20 at the time of payment transaction. FIG. 12 is a flowchart showing the contents of the delinquency charge / dunning fee processing (S6). The contents of the processing performed by the control unit 70 in the form processing unit 20 at the time of the payment transaction will be described with reference to FIGS. 1, 6, 7, and 11. FIG. 12 will be referred to as appropriate.

First, the user inserts the form F with the front surface (the surface on which the information J is printed) facing upward into the intake / discharge port 8 so that the third portion F3 is at the top. When the tip of the third portion F3 on the form F is sandwiched between the pair of intake / discharge rollers 41 in the intake / discharge unit 27, the control unit 70 transfers the motor (not shown) of the intake / discharge unit 27. By driving and rotating the pair of intake / discharge rollers 41 in the forward direction, the form F is taken into the first transport path 21A in the apparatus main body 2 (step S1 in FIG. 11). The direction of taking in the form F into the apparatus main body 2 is the rear side in the front-rear direction, and the thickness direction of the form F in the first transport path 21A is the vertical direction.

At the time of taking into the first transport path 21A, the control unit 70 drives the motor (not shown) of the transport unit 25 to rotate the transport roller (return means) 40 in the forward direction. As a result, the form F is transported to the rear side in the first transport path 21A with the third portion F3 at the head while maintaining a longitudinal and horizontal posture in the front-rear direction. When the form F passes through the reading unit 29, the control unit 70 temporarily stops the transport of the form F in the apparatus main body 2. In the form F at this time, the third portion F3 may enter the second transport path 21B or the third transport path 21C.

When the form F passes through the reading unit 29, the control unit 70 reads the image information on the surface of the form F by the reading unit 29 and acquires the image data (image data acquisition step; step S2 in FIG. 11). Then, the control unit 70 identifies the form type (that is, both the type of the public institution of the issuer (storage destination) and the specific type of the charge) from the image information (acquired image data) of the surface read from the form F. (Step S3 in FIG. 11). Specifically, the control unit 70 identifies dictionary information capable of reading the image information of the read surface from various dictionary information included in the dictionary information 73B. Then, the form type corresponding to the dictionary information (that is, both the type of the public institution of the issuer (storage destination) and the specific type of the charge) is specified.

Then, the control unit 70 refers to the form type processing information 73A and determines whether or not the specified form type is a handleable (acceptable) form type (step S4 in FIG. 11). If the form type is not manageable (acceptable) (NO in step S4 of FIG. 11), the control unit 70 takes in the form F, discharges it to the discharge port 8, and rejects it (step S5 of FIG. 11). ..

On the other hand, when the form type can be handled (acceptable) (YES in step S4 of FIG. 11), the control unit 70 then performs the delinquency charge / dunning fee processing (step S6 of FIG. 11). In the delinquency charge / dunning fee processing (S6), the control unit 70 determines whether or not the delinquency charge or the dunning fee is collected. Further, when collecting the dunning fee, the control unit 70 acquires the dunning fee amount A3 in the delinquency charge / dunning fee processing (S6).

In the delinquency charge / dunning fee processing (S6), the processing as shown in FIG. 12 is performed. The control unit 70 refers to the form type processing information 73A and determines whether or not the form type acquired based on the image data is the form type for collecting the delinquent charge (step S21 in FIG. 12). When the form type corresponding to the acquired form type is defined as "0: With delinquent charge calculation" in the form type processing information 73A (YES in step S21 of FIG. 12), the control unit 70 determines the delinquent charge. The collection is determined, and the delinquent amount A2 is calculated (step S22 in FIG. 12).

On the other hand, in the form type processing information 73A, when the form type corresponding to the form type acquired based on the image data is defined as "1: Unhandled" (NO in step S21 of FIG. 12), the control unit 70 Rejects the read form F without deciding to collect the delinquent charge.
Further, when the form type corresponding to the acquired form type is defined as "2: No delinquency charge is required" in the form type processing information 73A (NO in step S21 of FIG. 12), the control unit 70 is delinquent. The collection of money is not determined (the delinquent amount A2 is not calculated), and the process proceeds to the next step (step S23 in FIG. 12) as it is.

Further, the control unit 70 refers to the image data (commission amount information) in the dunning fee amount entry field R3 and the image data in the payment deadline entry column from the acquired image data, and is entered in the dunning fee amount entry field R3. Acquire the dunning fee amount A3 and the payment deadline, respectively (transaction amount acquisition process, dunning fee amount acquisition process). Then, when the dunning fee amount A3 has already been entered (printed) in the dunning fee amount entry field R3 and the payment deadline J2 entered (printed) in the payment deadline entry field has not passed the current date ( If YES in step S23 of FIG. 12 and NO in step S24), the control unit 70 determines the collection of the dunning fee (step S26 of FIG. 12), and the dunning fee amount entered in the dunning fee amount entry field R3. A3 is calculated as the dunning fee amount (step S27 in FIG. 12). Based on the image information of the dunning fee amount A3 included in the read image data, the dunning fee amount A3 of the payment transaction is acquired (dunning fee amount acquisition process). As a result, the form processing device 1 can accurately acquire the dunning fee amount A3 set by the issuer of the form F.

In addition, when the current date has passed the payment deadline J2 entered (printed) in the payment deadline entry field despite the reissued form F (see FIG. 4) (YES in step S24). In this case, the payment should be further forgotten, and it should be processed at the manned window of the financial institution instead of the form processing device 1. Therefore, the imported form F is discharged to the import / discharge port 8 and rejected. (Step S25 in FIG. 12). After that, the process of FIG. 12 ends.

On the other hand, when the dunning fee amount A3 is not entered (printed) in the dunning fee amount entry field R3 (NO in step S23), the control unit 70 determines whether or not to collect the dunning fee and collects it. If you do, you will get a dunning fee.
Specifically, first, the control unit 70 refers to the form type processing information 73A and determines whether or not the form type acquired based on the image data is the form type for which the dunning fee is collected (FIG. 6). Step S28 of 12). When the form type corresponding to the acquired form type is defined as "0: None" regarding the collection of the dunning fee in the form type processing information 73A (YES in step S28), the control unit 70 collects the dunning fee. Decide not to. After that, the process of FIG. 12 ends.

On the other hand, when the form type corresponding to the acquired form type is defined as "1:", "2:" or "3:" regarding the collection of the dunning fee in the form type processing information 73A (NO in step S28). , The control unit 70 tentatively determines the collection of the dunning fee.
In this case, the control unit 70 refers to the image information (commission amount information) of the dunning fee amount entry field R3 among the read image data, and checks whether or not the dunning fee amount entry field R3 exists in the first place ( Step S29 in FIG. 12). If the dunning fee amount entry field R3 does not exist (NO in step S29), the setting for collecting the dunning fee in the form type processing information 73A and the description content on the surface of the form F do not match, so the imported form F is taken in and discharged to the discharge port 8 to be rejected (step S25).

On the other hand, when the dunning fee amount entry field R3 exists (YES in step S29), the control unit 70 then calculates the dunning start date. As described with reference to FIG. 10, the control unit 70 refers to the form type processing information 73A and refers to the dunning start date calculation condition 81, and calculates the dunning start date corresponding to the form type (FIG. 12). Step S30).
Then, when the current date is after the calculated dunning start date (including the dunning start date) (YES in step S31 of FIG. 12), the control unit 70 determines the collection of the dunning fee (step S32 of FIG. 12). ), The dunning fee amount A3 is acquired (step S33 in FIG. 12). After that, the process of FIG. 12 ends.

On the other hand, if the current date is earlier than the calculated dunning start date (NO in step S31 of FIG. 12), the control unit 70 decides not to collect the dunning fee. After that, the process of FIG. 12 ends.
Returning to FIG. 11, after the delinquency charge / dunning fee processing (S6) is completed, the control unit 70 displays the transaction content screen 74 shown in FIG. 13 on the display operation unit 4 (step S7 in FIG. 11). From the acquired image data, the control unit 70 refers to the image data in the transaction amount entry field R1 and acquires the transaction amount A1 entered in the transaction amount entry field R1 (transaction amount acquisition process). Then, the delinquent amount A2 to be collected and the dunning fee amount A3 to be collected are added to the acquired transaction amount A1 to calculate the total transaction amount A4 to be collected. Then, the control unit 70 displays the calculated total transaction amount A4 together with the transaction amount A1 to be collected, the delinquent amount A2 to be collected, and the dunning fee amount A3 to be collected on the transaction content screen 74 of the display operation unit 4. .. When the image information confirmation button 75 is operated on the transaction content screen 74, the image information read from the surface of the form F in step S2 is displayed on the display operation unit 4.

As shown in FIG. 11, when the user who sees the transaction content screen 74 instructs to continue the transaction by, for example, operating the confirmation button 76 (see FIG. 13, touch key) displayed on the display operation unit 4. (YES in step S8 of FIG. 11), the control unit 70 uses the card processing unit 66 and the cash processing unit 67 to settle the charges in the current payment transaction (settlement process; step S9 of FIG. 11).

On the other hand, when the user instructs to cancel the transaction (NO in step S8), the control unit 70 ends the current transaction, takes in the form F, discharges it to the discharge port 8, and rejects it.
When the settlement is completed, the control unit 70 fills in the amounts A1 to A4 to be filled in the respective entry fields R1 to R4 for each of all the parts F1, F2, F3 of the form F by the entry unit 33, and fills in the receipt. Enter the receipt A5 in the column R5.

Whether or not the amount is entered in each of the entry fields R1 to R4 is distinguished by whether or not the form F is a reissued form. If the form F is not a reissued form, only the transaction amount A1 is entered in the form F before it is taken into the transport path 21, and the delinquent amount entry field R2, the dunning fee amount entry field R3, and the total transaction amount are entered. Each column R4 is blank. In such a form F, when collecting the delinquent charge in the payment transaction, the control unit 70 inputs the delinquent amount A2 in the delinquent amount entry field R2 (see FIG. 4). Further, when collecting a dunning fee in the payment transaction in such a form F, the control unit 70 fills in the dunning fee amount A3 in the dunning fee amount entry field R3 (see FIG. 4). Then, the control unit 70 inputs the calculated total transaction amount A4 in the total transaction amount entry field R4 (see FIGS. 2 and 4). Further, the control unit 70 fills in the receipt stamp A5 in the receipt entry field R5.

As described above, the dictionary information 73B is filled with the position information of the entry fields R1 to R5 corresponding to each form type. The control unit 70 drives a drive unit such as an actuator to arrange the amount entry unit of the entry unit 33 at a position facing the entry fields R1 to R4, and fills in the entry fields R1 to R4 with the amounts A1 to A4. Further, the control unit 70 drives a drive unit such as an actuator to arrange the stamped portion of the entry unit 33 at a position facing the receipt entry field R5, and writes the receipt mark A5 in the receipt entry field R5.

On the other hand, when the form F is a reissued form, not only the transaction amount A1 but also the delinquent amount entry field R2, the dunning fee amount entry field R3, and the total transaction amount are entered in the form F before being taken into the transport path 21. Column R4 has already been filled in. Therefore, when the form F is a reissued form, the amount is not entered in each of the entry fields R1 to R4. That is, the control unit 70 only fills in the receipt stamp A5 in the receipt entry field R5.

After filling in the entry fields R1, R2, R3, R4, and R5, the form F is moved in the transport path 21 until the perforation M of the form F is located just below the cutting member 42 of the separation portion 28. Then, the control unit 70 lowers the cutting member 42, cuts the form F by the cutting edge 42A of the cutting member 42, and at the perforation M, the first portion F1 on the intake / discharge port 8 side and the collection unit 26. It is separated into a second portion F2 and a third portion F3 on the side (step S11 in FIG. 11).

Further, the control unit 70 is a first portion on the intake / discharge port 8 side by rotating the transport roller 40, the intake / discharge roller 41, and the first roller 44 on the upstream side of the cutting member 42 in the reverse direction. F1 is discharged from the intake / discharge port 8 to the outside of the device main body 2 and returned to the user (step S11 in FIG. 11). That is, the first portion F1 in which the delinquent amount A2 and the dunning fee amount A3 are entered is returned to the user. As a result, the first portion F1 returned to the user can be the one in which the collected delinquent amount A2 and the dunning fee amount are entered.

Further, the control unit 70 collects the second portion F2 and the third portion F3 in the apparatus main body 2 by rotating the transport roller 40 and the second roller 45 on the downstream side of the cutting member 42 in the forward direction. It is conveyed to the section 26 and collected (step S11 in FIG. 11).
If there is no additional payment transaction, the control unit 70 issues a receipt from the receipt outlet 5 or returns the change by the receipt printing unit 65 (step S12), and ends the current transaction.

As described above, according to this embodiment, the image data is read from the form F inserted into the intake / discharge port 8 and taken into the transport path 21. Based on the read image data, the transaction amount A1 of the payment transaction is acquired. Further, the delinquent amount A2 is acquired based on the read image data. Further, the dunning fee amount A3 is acquired based on the read image data. Settlement is made with the total transaction amount A4 based on the acquired transaction amount A1, the acquired delinquency amount A2, and the acquired dunning fee amount A3. As a result, it is possible to provide the form processing device 1 capable of collecting the dunning fee. Therefore, there is no need for the user to bother to use the manned window of the financial institution in order to settle the form F for which the dunning fee is incurred.

Further, the form type, which is the type of form F, is determined (acquired) based on the read image data. Then, the dunning fee amount A3 is acquired based on the determined form type. When dealing with multiple form types, the dunning fee amount A3 may differ from each other depending on the form type. Even in this case, an appropriate dunning fee amount A3 can be collected according to the type of form F.

In addition, it is determined whether or not to collect a dunning fee for the payment transaction based on the determined form type. Whether or not a dunning fee should be collected in a payment transaction by the form processing device 1 depends on the form type to be paid in, depending on the intention of the issuer of the form F. By deciding whether or not to collect the dunning fee based on the form type, the dunning fee can be collected according to the intention of the issuer of the form F.

In addition, based on the acquired payment deadline J2, it is determined whether or not to charge a dunning fee for the payment transaction. That is, whether or not the dunning fee is incurred and / or whether or not the dunning fee is collected in the payment transaction in the form processing device 1 is determined based on the payment deadline J2. By deciding whether or not to charge a dunning fee for a payment transaction based on the payment deadline J2, the dunning fee can be appropriately collected.

Further, in this embodiment, when the dunning fee amount A3 is entered in advance in the dunning fee amount entry field R3 and the dunning fee amount A3 can be obtained from the image data (YES in step S23), this dunning fee amount Acquire A3 (validate acquisition; step S27). Then, when the dunning fee amount A3 cannot be obtained from the image data (when the dunning fee amount A3 is not entered in advance in the dunning fee amount entry field R3. NO in step S23), it is obtained from the form type processing information 73A. Acquire the dunning fee amount A3 (validate the acquisition. Step S33). By preferentially treating the dunning fee amount A3 acquired by the image data in this way, the form processing device 1 can collect an appropriate dunning fee amount A3.

Further, from the read image data, the payment deadline J2 of the form F taken into the transport path 21 is acquired. The dunning start date is calculated based on the dunning start date calculation condition 81 shown in FIG. 10 and the acquired payment deadline J2. Then, based on the calculated comparison result between the dunning start date and the current date, the dunning fee amount A3 of the payment transaction is acquired. As a result, the form processing device 1 can accurately acquire the dunning fee amount A3 set by the issuer of the form F. Therefore, the form processing device 1 can collect an appropriate dunning fee amount A3.

Further, the dunning fee amount A3 is entered in the dunning fee amount entry field R3 of the form F taken into the transport path 21, and the first part F1 in which the dunning fee amount A3 is entered is returned to the user. As a result, the first part F1 of the form F returned to the user can be the one in which the collected dunning fee amount A3 is entered.
Further, in the dictionary information 73B, the form type and the entry position of the dunning fee amount A3 are associated with each other. Based on the acquired form type, the position where the dunning fee amount A3 should be entered is determined. Therefore, even if the entry position of the dunning fee amount A3 differs depending on the type of the form F, the dunning fee amount A3 can be entered at an appropriate entry position according to each form type.

Although one embodiment of the present invention has been described above, the present invention can also be implemented in other embodiments.
For example, in the above-described embodiment, it is assumed that the form type processing information 73A defines the dunning start date calculation condition 81 and the dunning fee amount (“cost” in FIG. 9) corresponding to each form type. did. That is, the correspondence between the form type and the dunning start date calculation condition 81 and the correspondence between the form type and the dunning fee amount are defined in common information (table) and the like. However, the correspondence between the form type and the dunning start date calculation condition 81 and the correspondence between the form type and the dunning fee amount may be defined in separate information (table) or the like.

In addition, it was explained that the form type is defined by both the type of the issuing administrative agency and the specific type of charge, but the form type is one of the type of the issuing administrative agency and the specific type of charge. May be specified by.
Further, in the above-described embodiment, when the form F in which the dunning fee amount A3 is pre-filled in the dunning fee amount entry field R3 is taken into the transport path 21, the form F may not be handled ( That is, it may be rejected). That is, the dunning fee may be collected only for the form F in which the dunning fee amount A3 is not entered in advance in the dunning fee amount entry field R3.

On the contrary, the dunning fee is collected only for the form F in which the dunning fee amount A3 is pre-filled in the dunning fee amount entry field R3, and the dunning fee amount A3 is not pre-filled in the dunning fee amount entry field R3. The dunning fee may not be collected for Form F.
Further, in the above-described embodiment, the case where the form processing device 1 collects both the delinquent charge and the dunning fee has been described as an example, but the form processing device 1 collects only the dunning fee and does not collect the delinquent charge. It may be.

Further, in the above-described embodiment, it has been described that the form processing device 1 reads the image of the form F and acquires the image data. However, the image data already created by using another device may be given to the form processing device 1.
Further, in each of the above-described embodiments, the case where the settlement (S9) is performed by the account settlement or the cash settlement has been described as an example, but the electronic money reception unit capable of accepting the medium for holding the electronic money is processed in the form. When the device 1 is provided, the settlement (S9) may be performed based on the electronic money information received by the electronic money receiving unit.

Further, although the form processing device 1 has been described as being mainly installed in a financial institution, it may be installed in a non-financial institution (for example, a convenience store or the like).
Further, in the above-described embodiment, the reading unit 29 (image data acquisition means) may be provided not in the unit built in the form processing device 1 but in a unit that is independent of the form device 1. In this case, the form processing system includes a form processing device 1 and a reading device arranged at a position away from the form processing device 1.

Further, although the issuer of the form F to be handled by the form processing device 1 is an administrative agency such as a city hall or a ward office, the issuer may be an electric power company, a gas company, or the like other than the administrative agency.
By the way, depending on the form type of form F (payment slip, etc.), the issuing administrative agency or the like may set an expiration date that can be handled (payable). In such a form F, even if the payment deadline J2 has already passed, if the expiration date has not passed, it is permissible to pay the fee using the form F.

FIG. 14 is a diagram for explaining the expiration date-related information 201 defined in the form processing apparatus according to another form. In the form shown in FIG. 14, the handleable expiration date of the form F is registered (set) in the form processing device. Then, the form processing device determines whether or not to handle the imported form F based on the registered expiration date and the current date. Specifically, if the expiration date has not passed the current date, the form processing device can handle the form F, but if the expiration date has passed the current date, the form F can be handled. Form F cannot be handled by the form processing device. In the embodiment shown in FIG. 14, when the expiration date has passed the current date, the form F taken into the form processing device is rejected.

In such a form processing device, the expiration date-related information 201 is added to the form type processing information (corresponding to the form type processing information 73A in FIG. 8) stored in the storage unit (corresponding to the storage unit 73 in FIG. 8). include.
In the expiration date related information 201, whether or not to set the expiration date and the specific contents of the expiration date when setting the expiration date are defined according to each form type. In the expiration date related information 201, the information of "0: No expiration date is set" (see FIG. 14) is added to the form type that is not the target of the expiration date setting.

Further, in the expiration date related information 201, the following information "1" to "6" is added to the form type for which the expiration date is set (see FIG. 14).
In the expiration date related information 201, the expiration date is set in the following six patterns.
"1: Expiration date when e days have passed from the payment deadline"
"2: Expiration date after the date set on the f day of the month following the payment deadline"
"3: Expiration date after the day set on the g day of the month following the payment deadline"
"4: Expiration date after January 1st of the year following the payment deadline"
"5: Expiration date after April 1st of the year following the payment deadline"
"6: Expiration date after June 1st of the year following the payment deadline"
An integer of 1 or more is appropriately set as "e". Further, integers from 1 to 31 are appropriately set as "f" and "g".

By the way, depending on the form type of form F (payment slip, etc.), even if the current date passes the payment deadline J2, the delinquent charge will not be collected immediately, and the current date will be the prescribed number of grace days from the payment deadline J2. Some delinquent charges will only be levied if they are in excess. In such a form F, even if the payment deadline J2 has already been passed, the extension fee will not be collected unless the predetermined grace period has been exceeded from the payment deadline J2.

FIG. 15 is a diagram for explaining the collection of delinquent charges in the form processing device according to still another form. In the form shown in FIG. 15, the number of grace days in which the collection of the delinquent charge is postponed even if the payment deadline J2 is passed is registered (set) in the form processing device. Then, the form processing device determines whether or not to handle the imported form F based on the current date, the payment deadline J2, and the grace days DB. Specifically, as shown in FIG. 15, even if the payment deadline J2 is passed, the form F can be handled by the form processing device. If the number of days passed from the payment deadline J2 is within the grace days DB, the delinquent charge is settled as "0 yen" (that is, the delinquent charge is not collected). If the number of days passed from the payment deadline J2 exceeds the grace days DB, the amount of delinquency charges (regular delinquency charges) specified in the form type processing information 73A will be collected at the time of settlement.

In such a form processing device, information related to the number of grace days is defined in the form type processing information (corresponding to the form type processing information 73A in FIG. 8) stored in the storage unit (corresponding to the storage unit 73 in FIG. 8). Has been done. In the information related to the number of grace days, whether or not to set the number of grace days and the number of grace days when the grace period is set are specified according to each form type.
The present invention is not limited to the contents of the above embodiments, and various modifications can be made within the scope of the claims.

1 Form processing device 29 Reading unit (image data acquisition means)
33 Entry section (entry means)
40 Transport roller (return means)
41 Take-in / discharge roller (return means)
44 First roller (return means)
70 Control unit (image data acquisition means, form type acquisition means, transaction amount acquisition means, dunning fee amount acquisition means, settlement means, first pass / fail determination means, second pass / fail determination means, third pass / fail determination means, dunning Start date calculation means, first fee amount acquisition method, second fee amount acquisition method)
73A Form type processing information (first correspondence information, dunning start date calculation means, second fee amount acquisition means)
73B dictionary information (form type acquisition means, second correspondence information)
A1 Transaction amount A3 Dunning fee amount A4 Total transaction amount F Form F1 First part (return part, part)
F2 second part (reserve part)
F3 third part (processing part)
R3 dunning fee amount entry field (entry field)

Claims (17)

It is a form processing device that performs payment transactions using forms.
Image data acquisition means for acquiring image data that is an image of the form from the form to be traded,
A transaction amount acquisition means for acquiring the transaction amount of the payment transaction based on the image data acquired by the image data acquisition means, and a transaction amount acquisition means.
Based on the image data acquired by the image data acquisition means, the dunning fee amount acquisition means for acquiring the dunning fee amount, which is the amount of the dunning fee for the payment transaction, and the dunning fee amount acquisition means.
A settlement means for calculating the total transaction amount based on the transaction amount acquired by the transaction amount acquisition means and the dunning fee amount acquired by the dunning fee acquisition means and settling with the total transaction amount. A form processing device characterized by being provided. Further provided with a form type acquisition means for acquiring a form type corresponding to the image data based on the image data acquired by the image data acquisition means.
The form processing apparatus according to claim 1, wherein the dunning fee amount acquisition means includes means for acquiring the dunning fee amount based on the form type acquired by the form type acquisition means. A claim is further provided with a first approval / disapproval determination means for determining whether or not to collect the dunning fee for the payment transaction based on the form type acquired by the form type acquisition means. Item 2. The form processing apparatus according to item 2. The first fee amount acquisition means for the dunning fee amount acquisition means to acquire the dunning fee amount of the payment transaction based on the fee amount information included in the image data acquired by the image data acquisition means. The form processing apparatus according to any one of claims 1 to 3, further comprising. Further provided with a payment deadline acquisition means for acquiring the payment deadline of the form from the image data acquired by the image data acquisition means.
The means for obtaining the dunning fee amount is
A dunning start date calculating means for calculating a dunning start date based on the payment deadline acquired by the payment deadline acquisition means and a predetermined dunning start date calculation condition, and
It is characterized by comprising a second fee amount acquisition means for acquiring the dunning fee amount of the payment transaction based on the comparison result between the dunning start date and the current date calculated by the dunning start date calculating means. The form processing apparatus according to any one of claims 1 to 3. The dunning start date calculation condition is the day when a predetermined number of days have passed from the payment deadline, the predetermined date of the month following the payment deadline, the predetermined date of the month following the payment deadline, and the predetermined date following the payment deadline. The form processing apparatus according to claim 5, wherein at least one of the above is set as the dunning start date. Based on the image data acquired by the image data acquisition means, a form type acquisition means for acquiring a form type corresponding to the image data, and a form type acquisition means.
Further provided is a means for storing the first correspondence information in which the form type, the dunning fee amount, and at least one of the dunning start dates are associated with each other.
The second fee amount acquisition means acquires the dunning fee amount based on the first correspondence information, and / or the dunning start date calculation means obtains the dunning fee amount based on the first correspondence information. The form processing device according to claim 5 or 6, wherein the dunning start date is calculated. An entry means for entering the dunning fee amount acquired by the dunning fee amount acquisition means in the form, and
The form processing apparatus according to any one of claims 5 to 7, further comprising a return means for returning a part of the form in which the dunning fee amount is entered to the user. .. The form includes a return part to be returned to the user, a processing part to be used for the payment transaction, and a copy copy part.
The form processing apparatus according to claim 8, wherein the entry means inputs the dunning fee amount in all of the return portion, the processing portion, and the copy portion. Based on the image data acquired by the image data acquisition means, a form type acquisition means for acquiring a form type corresponding to the image data, and a form type acquisition means.
Further provided with a means for storing a second correspondence data in which the form type and the entry position where the dunning fee amount should be entered are associated with each other.
The entry means is characterized in that the dunning fee amount is entered in the entry position set based on the form type acquired by the form type acquisition means and the second correspondence data. The form processing apparatus according to claim 8 or 9. When the image data acquired by the image data acquisition means does not include an entry field to be filled in by the entry means, a second approval / disapproval determination means for determining not to collect the dunning fee for the payment transaction is provided. The form processing apparatus according to any one of claims 8 to 10, further comprising. A claim, further comprising a third approval / disapproval determination means for determining whether or not to collect the dunning fee for the payment transaction based on the payment deadline acquired by the payment deadline acquisition means. The form processing apparatus according to any one of 5 to 11. The dunning fee amount acquisition means further includes a first fee amount acquisition means for acquiring the dunning fee amount from the image data acquired by the image data acquisition means.
When the dunning fee amount can be acquired by the first fee amount acquisition means, the dunning fee amount acquired by the first fee amount acquisition means is validated, and the dunning fee amount acquired by the first fee amount acquisition means is activated. The method according to any one of claims 5 to 12, characterized in that, when the dunning fee amount cannot be obtained, the dunning fee amount obtained by the second fee amount acquisition means is validated. Described form processing device. Based on the image data acquired by the image data acquisition means, the delinquent amount acquisition means for acquiring the delinquent amount, which is the delinquent amount of the payment transaction, and the delinquent amount acquisition means.
The settlement means is based on the transaction amount acquired by the transaction amount acquisition means, the dunning fee amount acquired by the dunning fee amount acquisition means, and the delinquent amount acquired by the delinquent amount acquisition means. The form processing apparatus according to any one of claims 1 to 13, further comprising means for calculating the total transaction amount. The delinquent charge is a variable charge that fluctuates according to the number of days passed on the current day from the payment deadline of the form.
The form processing device according to claim 14, wherein the dunning fee is a fixed fee. It is a form processing system that performs payment transactions using forms.
Image data acquisition means for acquiring image data that is an image of the form from the form to be traded,
A transaction amount acquisition means for acquiring the transaction amount of the payment transaction based on the image data acquired by the image data acquisition means, and a transaction amount acquisition means.
Based on the image data acquired by the image data acquisition means, the dunning fee amount acquisition means for acquiring the dunning fee amount, which is the amount of the dunning fee for the payment transaction, and the dunning fee amount acquisition means.
A settlement means for calculating the total transaction amount based on the transaction amount acquired by the transaction amount acquisition means and the dunning fee amount acquired by the dunning fee acquisition means and settling with the total transaction amount. A form processing system characterized by being prepared. It is a form processing method that performs payment transactions using forms.
An image data acquisition process that acquires image data that is an image of the form from the form to be traded, and
A transaction amount acquisition process for acquiring the transaction amount of the payment transaction based on the acquired image data, and
Based on the acquired image data, the dunning fee amount acquisition process for acquiring the dunning fee amount, which is the amount of the dunning fee for the payment transaction, and the dunning fee amount acquisition process.
A form processing method comprising: a settlement process of calculating a total transaction amount based on the acquired transaction amount and the acquired dunning fee amount and settling the total transaction amount.

Images