JP2020201690A - Payment slip processing system - Google Patents

Abstract

To provide a payment slip processing system capable of checking whether payment is appropriate before processing of the payment.SOLUTION: A payment slip receiving device 1 transmits, to a storage proxy device 2: bar code information read from a payment slip 31; preset banking institution and account number; and a contact email address to a payment approver. The storage proxy device 2 creates a confirmation screen for displaying a payment requester and a billing amount which are included in the bar code information, and transmits, to the contact email address, an email in which a password used when accessing is performed to the confirmation screen from the outside is indicated. The storage proxy device 2 performs: displaying the confirmation screen on a display of a terminal unit of the payment approver if the password from the payment approver is used; then collecting the billing amount by the means of direct debit due to a real-time account transfer from a transaction control device 3 if payment approved by the payment approver is input; and informing the payment requester of the completion of collection.SELECTED DRAWING: Figure 1

Description

The present invention is a payment slip processing system that processes payment slips sent from a payee of an electric power company, a telephone company, a local government, etc. to a payee who is a customer thereof with respect to electric power charges, telephone charges, water charges, etc. In particular, the payment slip processing system when the payment agent pays the billing amount of the payment slip to the payment claimant on behalf of the payee.

Conventionally, a storage agency system for storing utility charges and the like at a convenience store has been known (see, for example, Patent Document 1). In this system, when a utility bill payer requests payment of utility bills, etc. by bringing in a payment slip with a barcode, the receptionist of the convenience store, which is the payment agent, pays with the scanner of the terminal device (POS cash register). Read the barcode displayed on the vote. Then, when the receptionist receives the amount of the payment fee from the payer, the utility fee is settled. When the payment is completed, the terminal device operates the storage agency to operate the payment slip issuing institution information, deadline information, and payment amount information shown in the read barcode information via the network. The payment information is sent to the device and the payment information is sent to the local government where the payment agent is the payment slip issuer.

On the other hand, in recent years, a system has appeared in which payment can be made without going to a convenience store by using a personal information terminal such as a smartphone owned by the payer. In this system, as shown in FIG. 8, the payer sets a withdrawal account for the billing amount in the application 102 installed on the smartphone 101 in advance, and uses this application 102 to capture the barcode of the payment slip 103 as a camera. The barcode information is transmitted to the storage agent 104, which is the provider of the application. The storage agent 104 recognizes the storage institution number, customer number, and confirmation number of the storage requester 105, which is the payment slip issuer indicated on the barcode, and stores the money from the financial institution 106 of the payer's withdrawal account. While collecting the money, the storage information and the storage money are handed over to the storage requester 105. In this case, the deposit is collected from the financial institution 106 by direct debit each time in real time, but there is also a method of collecting from the amount charged in advance from the payer 100 to the deposit agent 104.

Japanese Patent No. 5256139

However, if the payer is a corporation, there is no mechanism that can be handled using an information terminal such as a smartphone. In a process that does not come into direct contact with a storage agency such as a convenience store, a payment receipt is not issued, a receipt is stamped on the payment slip, or a receipt is not issued. Therefore, when the payee is a legal entity, if there is no post-payment voucher left, the paid payment slip and debit will be deducted to see if the payment was appropriate after the payment was processed. It is a complicated task to collate with the records of financial institutions.

From the above points, the present invention provides a payment slip processing system capable of confirming whether or not the payment is appropriate before processing the payment.

In order to achieve the above object, in the present invention, the billing amount of the payment slip issued by the payee is charged by the storage agent on behalf of the payee and from the account of the payee of the financial institution. Is a payment slip processing system that pays the payment requester from a predetermined account by a payment slip reception device and a management terminal device arranged on the payee side and a real-time account transfer arranged on the financial institution. A transaction control device for executing the withdrawal process and a storage agent device arranged on the storage agent side are provided so that they can be connected via a communication network, and the payment slip receiving device is the payment. A scanner that reads the bar code displayed on the slip, a storage unit that stores the financial institution and account number of the account debit set in advance by the payee and a contact email address to the payment approver, and a storage unit. It has a bar code information read by the scanner at the time of payment processing by the payment slip, a processing unit that transmits the financial institution and account number, and the contact mail address to the storage agent, and the storage. The proxy device analyzes the bar code information, creates a means for acquiring information on the payment requester and the billing amount, and creates a confirmation screen for displaying the payment requester and the billing amount, and also creates the confirmation screen. The approver is subject to the means of sending an e-mail displaying the password to be used when accessing from the outside to the contact e-mail address and the input of the password to the approver terminal device by the payment approver. A means for displaying the confirmation screen on the display unit of the terminal device, and a means for transmitting the account transfer information including the billing amount and the account number to the transaction control device on condition that the payment approval is input by the payment approver. The transaction control device is characterized in that the billed amount is withdrawn based on the account transfer information.

In this case, the storage agency device may create a one-time password and send it to the contact e-mail address by the e-mail.

Further, the URL of the website displaying the confirmation screen is displayed in the e-mail, and the payment approver may be able to approve the payment from the website of the URL.

The function of each of the means of the storage agent is realized by executing the application program provided by the storage agent.

According to the payment slip processing system according to the present invention, the payment approver can check the payment details on the confirmation screen provided on the communication network before transferring the billed amount of the payment slip from the account of the financial institution. If the payer is a corporation, it can be easily checked internally at any time whether it was fraudulent or an appropriate payment slip. In addition, since multiple payment slips with bar coat can be read at the same time, it is possible to withdraw from the account at once.

The configuration of the payment slip processing system according to the present invention is shown in a block diagram. The payment receiving device of the payment slip processing system is shown in a block diagram. An explanatory diagram of the data structure of barcode information is shown. An explanatory diagram of the data structure of the registration information stored in the storage unit of the storage agency device is shown. A screen example of an email sent to an approver is shown. (A) shows a screen example of the password display screen, and (b) shows a screen example of the confirmation screen. An explanatory diagram of the flow of cooperative processing of each device in the payment slip processing system is shown. An explanatory diagram of a payment slip processing system using an individual payment slip, which has been conventionally performed, is shown.

FIG. 1 is a block diagram showing an embodiment of a payment slip processing system according to the present invention.

The payment slip processing system 10 shown in FIG. 1 is arranged in a payment slip reception device 1 and an approver terminal device 1A provided in a corporate company 11 which is a payee, and a storage agent (payment agent) 12. A storage agency device 2, a transaction control device 3 arranged at a financial institution 13 to execute a withdrawal process from a customer's account, and a server arranged at a storage requester (payment requester) 14 who is an issuer of a payment slip. A device 4 is provided which is connected via a communication network 15. It is assumed that the communication network 15 includes various communication paths such as the Internet, a mobile communication network, a public line network, and a dedicated line. In particular, it is preferable to use a dedicated line between the storage agency device 2 and the transaction control device 3.

As shown in FIG. 2, the payment slip receiving device 1 is a bus that connects the CPU 21, the input unit 22, the RAM 23, the display unit 24, the storage unit 25, the interface unit 26, the communication unit 27, and each unit. It is composed of a general personal computer (personal computer) including 28. A scanner 29 for reading the barcode information displayed on the payment slip 31 is connected to the interface unit 26. As shown in FIG. 3, the data structure of the barcode information includes a payment requester, a payment demandee, a payment deadline date, and a billing amount.

An application program 30 (hereinafter referred to as an "application") that enables a personal computer to function as a payment slip receiving device 1 is installed in a storage unit 25 such as an HDD or a ROM together with an OS (operation system). The person in charge of payment processing of the corporation 11 operates the input unit 22 to input various commands (commands), and the application 30 is called on the RAM 13 by the CPU 21 and executed in cooperation with the OS to make the payment. It functions as a vote receiving device 1.

In the application 30, the storage agency 12 is provided to the corporation 11. Specifically, for example, the personal computer that is the payment slip receiving device 1 accesses the download site of the application established by the storage agent 12, and the corporate company 11 gives the storage agent 12 the payment slip 31 with the bar code. The application 30 is downloaded and provided by inputting the ID code given at the time of contracting to receive the payment processing agency service.

When the CPU 21 starts the application 30, first, in the setting mode, the financial institution (subject, account number, account holder) for transferring the above ID code, company name, address, telephone number, and billing amount of the payment slip 31 of the corporate company 11 ), The contact e-mail address when the storage agent 12 sends a confirmation e-mail to the corporate company 11 is input from the input unit 22 in the input field displayed on the display unit 24. Then, these pieces of information are transmitted to the transaction control device 3 and stored as registration information of the data structure shown in FIG. The contact e-mail address input at this time is an e-mail address of an e-mail owned by a payment approver who is different from the person in charge of actually operating the payment slip receiving device 1 and reading the barcode of the payment slip 31.

When the barcode of the payment slip 31 is read by the scanner 29, the CPU 21 transmits this barcode information together with the ID code to the storage agent 2 through the communication unit 27. Therefore, the CPU 21 is a processing unit of the payment slip receiving device 1 of the present invention that transmits the barcode information read by the scanner 29 to the storage agency device 2.

The approver terminal device 1A is used by an approver who is different from the person in charge of operating the payment slip receiving device 1. As the approver terminal device 1A, a general personal computer, a smartphone, or the like can be used.

The transaction control device 3 is arranged at a financial institution 13 that provides a real-time fund transfer service to a corporation 11. When the present invention is carried out, it is guaranteed by a three-party contract that the storage agent 12 acts on behalf of the corporation 11 and transfers the billed amount of the payment slip 31 from the account of the corporation 11 of the financial institution 13 by real-time fund transfer. Has been done.

The storage agency device 2 is a core device of the payment slip processing system, and includes a Web server 5, a mail server 6, a host computer 7, and a data storage unit 8.

The Web server 5 is an ID sent at the same time as the payment requester, the payee, the payment deadline date, and the billing amount indicated by the bar code information of the payment slip 31 sent from the payment slip reception device 1. The confirmation screen of the financial institution and the account number shown in the registration information stored in the storage unit 8 corresponding to the code is provided on the communication network 15, and the approver of the corporate company 11 who checked this confirmation screen Receive a "approve" or "not approve" answer to the payment.

The mail server 6 sends an e-mail to the contact e-mail address included in the registration information sent from the payment slip receiving device 1. This e-mail is a confirmation e-mail sent from the storage agent 12 so that the payment approver of the corporation 11 can confirm whether or not the payment can be made on the website. In this confirmation email, as shown in FIG. 5, the URL (Uniform Resource Locator) of the home page on which the confirmation screen is displayed and the one-time password are displayed. Therefore, when the payment approver receives the e-mail on the approver terminal device 1A and clicks the above URL, the terminal device 1A and the storage agency device 2 are connected by the Web server 5 via the communication network 15 for payment. An input screen as shown in FIG. 6A of the one-time URL is displayed on the screen of the terminal device of the approver. A general personal computer is also used for this terminal device.

Then, when the one-time password displayed in the e-mail is input, the Web server displays a confirmation screen as shown in FIG. 6B on the terminal device 1A, and the payment approver processes the payment slip 31. The person in charge can confirm whether the proper payment slip has been read from the payment slip reception device 1. Then, if the input process is performed properly, the payment is approved by clicking the "Approve" button on the screen.

The host computer 7 creates a confirmation screen provided by the Web server 5 on the communication network 15 and also creates a one-time password sent by the mail server 6. Upon receiving the approval of the payment, the host computer 7 collects the payment amount of the payment amount information by transferring the payment amount from the corresponding account in cooperation with the transaction control device 3 of the financial institution. Upon collection of the paid-in amount, the host computer 7 notifies the server device 4 of the storage requester 14 of the completion of the collection.

Hereinafter, the procedure for payment by this payment slip processing system will be described with reference to the flowchart of FIG. 7. First, in the corporate enterprise 11, when the barcode of the payment slip 31 is read by the scanner 29 (step S1), the payment slip receiving device 1 is in accordance with the regulation displayed on the payment slip 31. The bar code information and the ID code are transmitted to the storage agency device 2 (step S2). In this case, a plurality of payment slips 31 can be collectively processed, and at that time, an ID code is added to a series of barcode information read from each payment slip 31 and transmitted.

The host computer 7 of the storage agency device 2 obtains the storage company name, the corporate company name, the payment deadline, and the billing amount, which are the storage requesters 14, from the received barcode information and converts them into the ID code sent. Correspondingly, the financial institution name and the account number stored in the storage unit 8 are read out, and a confirmation screen for displaying these on the website is created (step S3). This confirmation screen will become clear later. At the same time, the host computer 7 creates a one-time password based on the date and time when the barcode information is received (that is, the date and time when the payment request was made) (step S4).

Then, the storage agency device 2 is as shown in FIG. 5 in which the one-time password and the URL of the website displaying the confirmation screen are displayed in the contact mail address included in the registration information received by the mail server 6. A confirmation email is sent (step S5). Therefore, the process in step S5 and the previous step S3 creates a confirmation screen for displaying the storage requester and the billed amount in the storage agency device 2 in the present invention, and accesses the confirmation screen from the outside. It is a means for sending an e-mail displaying a password to be used when performing the invention to the contact e-mail address.

By clicking the URL displaying the payment approver who received the confirmation email on the approver terminal device 1A, the approver terminal device 1A is connected to the website (step S6). Therefore, in the storage agency device 2, the Web server 5 displays the one-time password input screen as shown in FIG. 6A on the approver terminal device 1A (step S7).

Then, when the payment approver inputs the one-time password displayed in the confirmation email on the input screen (step S8), the Web server 5 determines whether the entered one-time password is appropriate (step S9). ), If it is incorrect, the process returns to step S7 again. On the other hand, if the one-time password is appropriate, the Web server 5 displays a confirmation screen as shown in FIG. 6B created by the host computer 7 on the screen of the approver terminal device 1A (step S10). On this confirmation screen, the payer name, financial institution name, and account number are read out from the first data storage unit 8a in association with the ID code, and the storage company name, payment deadline date, and billing included in the storage information. It is displayed together with the amount (payment amount). Further, when the payment slip receiving device 1 transmits bar code information from a plurality of payment slips 31, the total billing amount of each bar code information is calculated and displayed in the payment amount. Therefore, the process in step S10 is the confirmation screen on the display unit of the approver terminal device 1A on condition that the payment approver in the storage agency device 2 of the present invention inputs the password to the approver terminal device 1A. It is a means to display.

The payment approver confirms the corporate company name (payer name), storage company name (payee), payment deadline, payment amount, financial institution name, and account number displayed on the confirmation screen. Then, it is determined whether or not payment is possible, and the confirmation result is transmitted by clicking either the "approve" button or the "disapprove" button displayed on the screen (step S11).

The storage agency device 12 notifies the payment slip receiving device 1 of the received confirmation result (step S12). As a result, the payment slip receiving device 1 displays whether or not the processing of the payment slip whose barcode is read is approved (step S13).

Next, when the storage agency device 1 is the confirmation result of approval (“YES” in step S14), the host computer 7 sends the account transfer information to the transaction control device 3 (step S15). The account transfer information includes the transfer amount (payment amount), the financial institution to which the deposit agent transfers, and the account number thereof. Therefore, in the transaction control device 3, the transfer process from the account shown in the account transfer information is performed (step S16), and then, the account transfer information of the transferred billing amount is transferred to the financial institution and its account. The movement process is performed (step S17). Then, the transaction control device 3 notifies the host computer 7 of the end of payment when the movement process is completed (step S18).

Upon receiving the payment completion notification, the host computer 7 transmits the payment completion information to the server device 4 of the storage requester (step S19). Then, the payment completion information includes the bar code information, and the server device 4 performs a billing processing by the payment slip 31 corresponding to the bar code information (step S20) to perform a series of payments. The process ends.

In the payment slip processing system 10 according to the present invention, when the barcode information of the payment slip 31 and the financial institution and account number of the withdrawal are received from the payment slip reception device 1, the billing amount included in the barcode information is transferred from this account. By subject to the approval of the payment approver, it is possible to prevent fraudulent payments and mistakes. Therefore, it is desirable for the payment approver to settle promptly in order for the payment to be processed promptly. In that respect, it is optimal to use a smartphone or the like carried by the payment approver as the approver terminal device 1A rather than a personal computer. In addition, multiple payment approvers are prepared, each contact e-mail address is registered in the storage agent 1, a confirmation e-mail is sent to each payment approver, and one payment approver first makes a payment. If the payment process is executed at that point, the process can be further speeded up. In this case, further, if the one-time password is sent an e-mail displaying a different one-time password for each payment approver, the storage agent 1 determines whether each payment approver has confirmed it. It is possible.

On the other hand, if multiple payment approvers are set and payment processing is executed when all of them approve, there is an advantage that payment fraud and mistakes can be prevented more reliably, although it is inferior in terms of speed. There is.

1 Payment slip reception device 2 Storage agency device 3 Transaction control device 11 Corporate enterprise (payee)
12 Storage agent (payment agent)
13 Financial institution 14 Storage requester (payment requester)
15 Communication network 21 Processing unit (CPU)
25 Memory 31 Payment slip

Claims (5)

It is a payment slip processing system in which the storage agent pays the billed amount of the payment slip issued by the payment claimant on behalf of the payee and pays the billed amount from the account of the payee of the financial institution to the payee. ,
A payment slip receiving device and a management terminal device arranged on the payee side, a transaction control device arranged on the financial institution and executing a process of withdrawal from a predetermined account by real-time fund transfer, and the storage agent. Equipped with a storage agency device located on the person's side, each can be connected via a communication network.
The payment slip reception device is
A scanner that reads the barcode displayed on the payment slip and
A processing unit that transmits the barcode information read by the scanner at the time of payment processing by the payment slip to the storage agency device, and
Have,
The storage agency device
A storage unit that stores the financial institution and account number for direct debit and the contact e-mail address addressed to the payment approver, which are set in advance by the payee.
A means for analyzing the transmitted barcode information and obtaining information on the payment requester and the billing amount, and
A means for creating a confirmation screen for displaying the payment requester and the billing amount, and for sending an e-mail displaying the password used when accessing the confirmation screen from the outside to the contact e-mail address.
A means for displaying the confirmation screen on the display unit of the approver terminal device on condition that the payment approver inputs the password to the approver terminal device.
A means for transmitting account transfer information including the billing amount and the account number to the transaction control device, subject to the input of payment approval by the payment approver.
Have,
The transaction control device is a payment slip processing system characterized in that the billed amount is withdrawn based on the account transfer information. The payment slip processing system according to claim 1, wherein the storage agency device creates a one-time password and sends it to the contact e-mail address by the e-mail. The payment slip processing system according to claim 1, wherein the URL of the website for displaying the confirmation screen is displayed in the e-mail. The payment slip processing system according to claim 3, wherein the payment approver enables payment approval from a website that displays the confirmation screen. The payment slip processing system according to claim 1, wherein the function of each of the means of the storage agent is realized by executing an application program provided by the storage agent.

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