JP2022119665A - Corporation card management system, method and program - Google Patents

Abstract

To allow each employee to easily use a corporation card.SOLUTION: There are provided a corporation card management system, a method and a program, which can stably distribute a corporation card 11 not only to a company director but also to an employee, and with which expenditure adjustment business can be improved by data coordination with an expenditure adjustment system, it is possible to grasp use of expenditure in real time on a management side while there is no burden of expenditure temporary payment on an employee side. Productivity and creativity can be enhanced by applying a discretion right to each group.SELECTED DRAWING: Figure 3

Description

The present invention relates to a corporate card management system, method, and program using corporate credit cards, corporate debit cards, etc. (hereinafter sometimes abbreviated as "corporation cards").

Conventionally, a corporate card management system has been used in which each of a plurality of employees is given a corporate card, necessary expenses are settled using the corporate card, and the expenses are settled for each group.

However, in the case of conventional corporate card management systems, for each corporate group, budgets are managed for each item, such as business trip expenses and entertainment expenses, and monthly, quarterly, and yearly totals are calculated and reported. Such detailed budget control and accounting could not be performed automatically.

Currently, the corporate card ownership rate of Japanese corporations is as low as 3.6% (source: "Statistics based on the survey results of the Japan Credit Association" "List of credit card issued number survey results" by the Japan Credit Association). is. In recent years, awareness of business efficiency and governance has increased, and corporate cashless payments are rapidly progressing. is high and diffusion is slow.

The Japanese government is aiming for a cashless payment rate of 40% by 2025, and 80% in the future. It is said that one of the major reasons why countries around the world are turning to cashless is that they can reduce costs. Cost reduction by cashless should be a big advantage for corporations. Among them, credit card payment accounts for the largest proportion. However, the stumbling block that prevented corporations from introducing corporate cards was the sense of insecurity due to the lack of detailed usage management. In other words, the issues with the spread of credit and debit cards for corporations are concerns about unplanned or unauthorized use, the inability to fine-tune budget management for usage amounts, dates and times, and strict rules in the accounting and management departments. There are concerns about whether it can be done, and employees do not want automatic debits from their personal accounts.

However, as a corporation, if possible, there is a desire to reduce the fees for reimbursement expenses, and to have all employees carry cards and visualize the usage status of expenses. Therefore, it is expected that many corporations will welcome the practical application of an expense settlement system that can solve these problems and improve operational efficiency. For example, you can reduce the burden on employees by eliminating the need for cash advance payments, reduce the transfer fee when returning advances through financial institutions, reduce the man-hours for expense reimbursement by returning data, and reduce man-hours in the accounting department. The realization of a corporate card management system that enables a drastic reduction in the number of credit cards is expected to be welcomed by the majority of corporations.

JP-A-2002-334289 JP-A-2004-341858 JP 2006-178769 A Japanese Patent No. 3665326 Japanese Patent No. 6723310

The present invention was devised in view of such conventional technical problems. It is possible to distribute corporate cards not only to corporate officers but also to employees with peace of mind, and to improve expense reimbursement operations by linking data with an expense reimbursement system. The management side can grasp the use of expenses in real time, the burden of expense reimbursement is eliminated on the employee side, and productivity and creativity can be improved by giving discretionary power to each group. , to provide a method and a program.

The features of the present invention are: corporate card registration for registering user information including the user's name, group affiliation, and e-mail address for each of a plurality of corporate cards of a corporation in a storage device; corporate card usage history registration for registering the usage history of the user information, the usage subject, and the usage amount in the storage device at the time of use; Usage rule setting for registering in the storage device a set value for issuing a warning that the cumulative usage amount within the period has reached the upper limit; referring to the usage history registered in the storage device; Calculation of the accumulated amount of use, which calculates the accumulated amount of use within a predetermined period for each item of use, and registers the accumulated amount in the storage device; , by adding the billed amount of use of the corporate card, the accumulated amount of use of the corresponding group and the corresponding item of use within the predetermined period is registered in the setting of the use rule, and a warning of reaching the upper limit of the accumulated amount of use is sent. Usage upper limit reach determination for determining whether or not a set value has been reached; A corporate card management system, method, and program for delivering a message that sends an upper limit reached warning message to an e-mail address registered in the user information of the corporate card.

In the corporate card management system, method, and program of the above invention, in the usage rule setting, the usage rejection set value of the accumulated usage amount of each corporate card within a predetermined period for each corporate group and for each usage subject is set in the storage device. In the usage limit reach determination, in response to a usage approval inquiry for one of the plurality of corporate cards of the corporation, the amount charged for use of the corporate card is added to the amount charged for use within the predetermined period Determining whether or not the cumulative usage amount of the relevant group and the corresponding usage subject reaches the usage refusal set value of the cumulative usage amount registered in the usage rule setting, and in the message delivery, determining whether the maximum usage amount has been reached When it is determined that the accumulated usage amount reaches the usage refusal setting value within the predetermined period, a usage refusal message is sent to the e-mail address registered in the user information of the corporate card. can.

Further, in the corporate card management system, method and program of the above invention, the predetermined period can be one or more of a fiscal year, a quarter, and a month.

Further, in the corporate card management system, method and program of the above invention, the usage history of each of the plurality of corporate cards of the corporation can be aggregated and a usage report can be created.

Further, in the corporate card management system, method, and program of the above invention, in the message delivery step, the usage report is converted to the mailer, SNS application, or dedicated application format to the email address and transmitted to the requesting mobile terminal. shall be allowed.

According to the present invention, for corporate cards such as corporate credit cards and corporate debit cards, the budget is managed for each group and for each usage item, and when the budget limit is reached, the corresponding group of the corporate card It is possible to stop the use of the corresponding usage subject, and fine-tuned budget management is possible.

In addition, according to the present invention, it is possible to use an update API to control the payment conditions, to process either availability, warning, or refusal according to the payment conditions, and to notify the status in real time. Accumulated context will be able to provide data for AI analysis of how expenses are used.

1 is a block diagram including an external connection configuration of a corporate card management system according to one embodiment of the present invention; FIG. 2 is a block diagram of the corporate card management system of the embodiment; FIG. FIG. 2 is a block diagram showing the detailed functional configuration of a corporate card management server in the corporate card management system of the embodiment; FIG. FIG. 2 is a block diagram showing the communication connection relationship of the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram of processing functions of a corporate card management server and a card company server in the corporate card management system of the embodiment; FIG. 2 is a block diagram showing the functional configuration of a message application management section within a corporate card management server in the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram showing an example of a LINE WORKS (registered trademark) talk transmitted to a mobile terminal by a message application management unit in a corporate card management server in the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram showing an example of an email sent by a mobile terminal application by a message application management unit in a corporate cart management server in the corporate card management system according to the embodiment; FIG. 4 is an explanatory diagram showing an example of a corporate card usage report sent by a mobile terminal application from a message application management unit in a corporate cart management server in the corporate card management system according to the embodiment; FIG. 4 is an explanatory diagram showing transition of rule setting screens by a management computer in the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram of a screen for notifying the usage amount of the corporate card as of the relevant day of the current month displayed on the management computer in the corporate card management system according to the embodiment; FIG. 4 is an explanatory diagram showing a control setting screen for use hours, days of the week, and period of use by a management computer in the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram showing a control setting screen for the amount of money used by the management computer in the corporate card management system according to the embodiment; FIG. 2 is a block diagram showing the configuration of processing functions of a management computer and a corporate card management server in the corporate card management system of the embodiment; FIG. 4 is a sequence diagram showing a processing procedure by the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram of a creation screen of a corporate card usage rule by a management computer in the corporate card management system of the embodiment; FIG. 4 is a block diagram showing the configuration of processing functions of a management computer and a corporate card management server in a corporate card management system according to another embodiment of the present invention; FIG. 4 is a sequence diagram showing a processing procedure by the corporate card management system of the embodiment; FIG. 4 is an explanatory diagram of a creation screen of a corporate card usage rule by a management computer in the corporate card management system of the embodiment;

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. 1 to 3 show the hardware configuration of the corporate card management system of this embodiment. It should be noted that the functions and processing methods of the corporate card management system of the present embodiment are embodiments of the corporate card management method and program of the present invention.

The corporate card management system of this embodiment is a computer system in which corporate members receive services using external cloud servers 10 and 20 connected via the Internet 2 through a management computer 1 . This corporate card management system utilizes the Internet 2 and uses terminals installed at an issuer 3, an acquirer 4, and a member store 5 (hereafter, the computer systems of these terminals are also denoted by the same reference numerals 3, 4, and 5). ) are interconnected. The issuer 3 and the acquirer 4 have entered into brand participation agreements with international card brands 6, such as VISA cards (registered trademark), Master cards (registered trademark), JCB cards (registered trademark), and the like. The issuer 3 is a company that issues the declared number of corporate cards 11 to the corporate member 1 who has made a membership contract. In addition, Acquirer 4 is a member store contract company. A member store 5 concludes a member store contract with this acquirer 4 . In Japan, there are many companies that serve both as Issuer 3 and Acquirer 4. Then, the issuer 3 makes payment to the acquirer 4 , and the acquirer 4 makes payment to the member store 5 . The corporate member 1 makes payment to the issuer 3 . A corporate member 1 uses one of the corporate cards 11 to purchase commodities such as fixtures and tickets at a member store 5 and use services. A member store 5 receives a card usage fee of a corporate member 1 from an acquirer 4. - 特許庁

The external cloud server 10 is a card management server of the issuer 3, and the external cloud server 20 is a corporate card management server that provides the corporate card management service of the present embodiment online. Between the card management server 10 of the issuer 3 and the management computer 1, intermediation of various card usage, settlement, usage restriction work, etc., which will be described later, is provided, that is, a corporate card management service.

A corporate member 1 distributes corporate cards 11 to qualified employees A, B, C, . Employees A, B, C, . can be done. Also, the user can present his corporate card 11 to the member store 5 to purchase goods or services.

Employees A, B, C, . This communication means may be wired or wireless. It is also possible to receive messages from the corporate card management server 20 using a predetermined mail application.

As shown in FIG. 2, the management computer 1 includes a corporate card management server 20 that provides an external corporate card management service using the Internet 2 and other communication networks, message application providing sites 21, 21, . It is connected to the mail service providing site 22, and can use the corporate card management service and send and receive messages using these communications. Also, the computers 12, 12, . . . and mobile terminals 13, 13, . Messages can be sent and received between the provider side 21, 21, . . . and the mail service provider site 22. For convenience of explanation, the management computer 1, the corporate computer 12, and the mobile terminal 13 are distinguished, but in this system, registration of various information, rule setting, usage management, etc. are all managed by IDs and passwords. Therefore, it is also possible for the administrator to execute administrative work using his own portable terminal 13, for example.

As shown in FIG. 3, the corporate card management server 20 of this embodiment has an Internet communication function and an in-house LAN function, and has a large-capacity storage for storing employee data, e-mail data, credit card data, accounting data, and the like. A device 201 is provided. Employee information registration unit 204, message application management unit 205, mail management unit 206, communication control unit 207, accounting processing unit 208, corporate card management unit 208, and corporate card management unit 208 are provided to execute various functions of the corporate card management system of this embodiment. A portion 209 is provided.

The employee information registration unit 204 registers attribute information such as the name, age, educational background, address, belonging group, title, authority, ID, email address, etc. of each employee belonging to the corporation in the storage device 201, updates the information, Also manage. The message application management unit 205 connects to the message application providing site 21 contracted by the corporation, for example, the LINE WORKS (registered trademark) server, and manages the installation of the message application on the employee's computer 12 or mobile terminal 13. Also, in response to a message sent from the computer 12 or mobile terminal 13 used by the employee for access, a corresponding response message is created in a prescribed format and sent to the sender.

The mail management unit 206 sets and updates an ID and mail address for each employee, connects to an external mail service providing site 22, and manages transmission and reception of emails inside and outside the company. The message application providing site 21 and the mail service providing site 22 can be connected with a connection contract, and can be connected by incorporating the provided API.

A communication control unit 207 controls and manages connection with the Internet 2 . Accounting processing unit 208 is accounting software responsible for overall accounting processing of the corporation. Naturally, it sends and receives accounting information to and from an external accounting firm (not shown) via Internet 2, manages the budget of the corporation as a whole, and manages the budget for each group. It performs budget control, upper limit setting, expense reimbursement, payment approval, deadline processing, settlement processing, etc., and also performs input/output processing of accounting-related data for each group.

As shown in FIG. 4, in the corporate card management unit 209, an administrator in the company uses the administrative computer 1 (here, for convenience of explanation, it is shown as a special computer 1, but an administrator with administrative authority can use it). (It may be a computer 12 within a corporation) to set a usage limit for a corporate card such as a corporate credit card or a corporate debit card that has a partnership contract with the corporation, and various actions within the usage frame. Set usage rules. As a group management function, usage rules for a plurality of corporate cards 11 are registered for each group, each cost center, or the like. For example, the sales department sets an upper limit on entertainment expenses for each of a plurality of corporate cards 11, sets an upper limit on the purchase amount of consumables for each period, limits the usage period to days of the week and within business hours, and the like. is.

More specifically, as shown in FIG. 5, the corporate card management unit 209 performs corporate card registration processing 91, budget management/settlement processing 92, and usage control processing 93 in cooperation with the card company server 10 of an external card provider company. , message management processing 94, and settlement status grasp/analysis processing 95 are executed. On the card company server 10 side, a usage limit registration process 91A and an accumulated amount calculation process 92A are executed.

In the corporate card registration process 91, registration of corporate card identification information, registration of the name of the user of the corporate card, and registration of upper limit amount setting are performed. The upper limit setting registration information is notified to the upper limit registration processing 91A of the card company server 10 of the card provider company, and registered in the storage device 101 of the card company server 10. FIG.

In the cumulative amount calculation processing 92A on the card company server 10 side, the card number of the used card is used as a key to calculate the annual cumulative amount, the quarterly cumulative amount, and the monthly cumulative amount for each corporate card group. is notified to the corporate card management unit 209 of the company. In the corporate card management unit 209, in the budget management/settlement processing 92, calculation of the upper limit of the annual accumulated amount for each group, determination of reaching the upper limit of use, calculation of the quarterly accumulated amount, determination of reaching of the upper limit of use, determination of reaching the upper limit of use, monthly accumulated amount , determination of whether the upper limit of usage has been reached, determination of whether the upper limit of primary usage has been reached, etc.

In the usage control process 93, for the corporate card 11, the group to which the user belongs is specified, the annual cumulative amount/maximum usage amount of the group to which the user belongs, the quarterly cumulative amount/maximum usage amount of the group to which the user belongs, and the monthly amount of the group to which the user belongs. Identify the next accumulated amount/maximum amount of use, and the allowable amount for primary use of the group to which you belong. And if it is determined that the primary usage amount itself exceeds the upper limit, or if it is determined that the monthly, quarterly, or annual cumulative usage amount exceeds the set upper limit, a control message such as warning or refusal is delivered. to direct.

Also, in the usage control processing 93, a start date and an end date are set, and depending on whether the usage is within the usage permitted period or not, a control message such as availability, warning, or refusal is instructed to be distributed. For example, you can set availability/warning/denial for each day of the week (Sun, Mon, Tue, Wed, Thu, Fri, and Sat), or set availability/warning/denial for the start time and end time for each day of the week. can In addition, it is also possible to set the countries and industries in which the service is available, and to impose usage restrictions on them. For example, it is possible to set the availability/warning/denial for each country, or to set the availability/warning/denial for each industry.

In message management processing 94, a message for the relevant person is created, and message conversion processing is performed according to the application to be used. , Push notification messages in real time to set email addresses and phone numbers. The contents of the notification are user information, place of use, date and time, and amount of money. As for the delivery destination of the mail, it is possible to specify a single address such as the applicant himself/herself, the person in charge of the group to which he/she belongs, or the accounting department, or to specify a plurality of these addresses. In addition, e-mail can be delivered to different delivery destinations depending on the status of payment, such as determination of availability, warning, or refusal.

In the payment status grasping/analyzing process 95, the payment status grasping and analysis processing is performed, and the usage status of all corporate cards can be displayed in a graph in real time. In addition, detailed analysis can be performed using the drill-down function, such as usage dates, amounts, and industries. It is also possible for users to customize their own analysis.

Next, an accounting management processing procedure will be described. The operation of the accounting management service using this corporate card management system consists of an application provided on the Internet 2, a smartphone application, a management computer 1, a corporate computer 12, an employee's personal mobile terminal 13, and cloud servers 10 and 20. It is operated using

For example, VISA Transaction Control (corporate/consumer credit card + debit card) or any other card group that allows a corporate contract, or a plurality of card groups can be used. As shown in FIG. 6, in the corporate card management system, the message application management unit 205 of the corporate card management server 20 includes an API 501 for LINE WORKS chatbot cooperation, an API 502 for accounting/expense settlement system cooperation, and an API 503 for VCF/CDF data cooperation. is installed, message creation, message format conversion, electronic money performance, balance grasp and charge control, and accounting data conversion are performed.

FIG. 7 shows an example of usage status and warning messages created by the LINE WORKS chatbot cooperation API 501 and transmitted to and displayed on the mobile terminal 13 of the relevant employee. Further, FIG. 8 shows an example of a usage status and a warning message created by creating the same message content using a smartphone mailer, transmitting it to the mobile terminal 13 of the corresponding employee, and displaying it. FIG. 9 shows a monthly usage report screen created by the corporate card management system, which is transmitted to and displayed on the portable terminal 13 of the manager of the group. The corporate card management server 20 receives the cumulative usage amount of the group from the card company server 10, edits it together with the monthly card usage limit of the group, and transmits it to the mobile terminal 13 of the administrator ID for display.

The accounting/expense settlement system linkage API 502 links accounting/expense settlement/business trip/workload systems. Also, the cumulative amount data of the debit card/credit card can be imported from the cloud server 10 . As for the UI for system operation and management, the smartphone application API enables business to be completed by the operation within the mobile terminal 13 of the manager, and it is possible to support business types that do not use the management computer 1 for business management. That is, use authority is set according to the ID, a large authority is given to the administrator ID, and only the authority necessary for the job is given to the employee ID.

For credit cards, VCF/CDF compatible clearing data is linked by VCF/CDF data linking API 503 by strengthening credit/debit card track record linkage, electronic money track record, balance grasping, and charge control. Here, VCF is VISA format and CDF is MasterCard format. For electronic money, it is possible to detect fraud by grasping actual results and balances and managing transaction IDs. Furthermore, for electronic money, charge control via a credit card is possible.

As shown in FIGS. 10 to 13, various rule settings and usage control settings are performed within the credit card/debit card usage limits through the API provided by the international card brand 6 in this embodiment. The person in charge of the corporation uses the computer 1 for accounting manager and the computer 12 in the corporation, and with administrator authority, performs rule setting and usage control setting according to the actual situation of the corporation, and the corporate card management system of the present embodiment. Register for 10.

As shown in FIG. 10, in the rule setting process, the administrator operates the management computer 1 to set various rules within the limits of use of credit cards and debit cards. (As described above, even if it is not the management computer 1, the same setting operation can be performed by accessing the cloud server 20 using the administrator ID on the corporate computer 12 or the mobile terminal 13. For the sake of simplification, the management computer 1 will be used for explanation.) As group management, usage rules can be collectively set for a plurality of corporate cards 11 for each group, cost center, or the like. In other words, the upper limit of the total usage amount for the entire group and the upper limit for each account are collectively set for a plurality of corporate cards 11 . It also sets the e-mail addresses of the destinations of warning notices and refusal notices, the conditions for issuing notices, and the like. As shown in FIGS. 11 to 13, in this rule setting process, corporate card use control setting is also performed. This usage control setting enables self-control of usage amount, purpose, usage date and time for each corporate card, warning and rejection of usage limit, and warning and rejection of usage amount once, hourly, daily, monthly, quarterly, and yearly. , control of usage period, control of day of the week, time of day, country of use, type of affiliated store, control of total amount of multiple credit cards, batch control, default usage limit by initial setting of 1 yen, real-time notification at the time of use, and Data linkage, notification at the time of authorization (notification at the time of refusal), linkage of clearing data, API linkage to other systems and provision of chat function, linkage with expense reimbursement system application and budget, linkage with chatbot with LINE WORKS (registered trademark) I do.

FIG. 10 shows expanded screen examples SC1 to SC4 of the rule setting screen. When a card group is selected on the shared card group selection screen SC1 to be operated, a list of card numbers of the group to which the screen SC2 belongs is displayed. If the batch setting tab is specified here, the screen transitions to the group total amount batch setting screen of screen SC3. Therefore, the amount is entered and set for each input window prepared in advance. Set the warning amount for issuing a warning against the requested usage amount, and the refusal amount for rejecting the usage amount for the requested usage amount. Regarding the warning amount and the refusal amount, in the Japanese sales department shown in this example, upper limits are set for each of the monthly cumulative amount, the quarterly cumulative amount, and the annual cumulative amount.

When the collective setting of the total amount for the group is completed, the notification destination setting screen SC4 for setting the destination of this rule is displayed. In the notification destination setting screen SC4 of the embodiment, the destination of the warning notification and the destination of the refusal notification can be set. A rule is set such as issuing a warning when the cumulative amount of % is reached. Further, as shown in FIG. 11, it is possible to confirm the usage record and usage limit for each employee (including executives) on the home screen SC5. Further, as shown in FIG. 12, it is also possible to set the day of the week of use, the period of use, etc. on the rule setting screen SC6. Furthermore, from the usage amount control screen SC7 shown in FIG. 13, it is possible to set the upper limit amount per use for each corporate card, the warning amount for which a warning message is issued for each of the monthly, quarterly, and annual upper limit amounts, and the refusal amount for which a usage refusal message is issued. .

The notification to the mobile terminal 13 of each employee and manager can be made by the LINE WORKS chatbot partnership API as shown in FIG. 7, or by mail using the mail application as shown in FIGS.

Next, processing functions of the corporate card management system according to one embodiment of the present invention will be described with reference to FIGS. 14 to 16. FIG. As shown in the functional block diagram of FIG. 14, the corporate card management system of the embodiment has a corporate card registration section 31, a corporate card usage history registration section 32, and a usage rule setting section 33 as processing functions. These are processing functions in which an authorized administrator inputs and operates the management computer 1, the corporate computer 12, or the mobile terminal 13 as a UI and registers them in the storage device 201 of the corporate card management server 20. FIG.

Processing functions of the usage control unit 30 of the corporate card management server 20, which is a cloud server, include a cumulative usage amount calculation unit 34, a usage upper limit amount determination unit 35, and a message distribution unit 36.

The corporate card registration unit 31 registers the user information including the card notation name, belonging group, ID, and e-mail address of each of the multiple corporate cards 11 of the corporation in the storage device 201 of the corporate card management server 20, Update and delete the data. The corporate card usage history registering unit 32 automatically registers the usage history of the user information and the usage amount in the storage device 201 upon receiving the input of the ID and the usage amount when using each of the plurality of corporate cards 11 of the corporation. do.

The usage rule setting unit 33 sets the upper limit of the cumulative amount of usage of the corporate card 11 within a predetermined period for each corporate group and for each subject, for example, for one or more periods of each fiscal year, quarter, or month. A set value for sending an arrival warning and use refusal is registered in the storage device 201 .

The cumulative usage amount calculation unit 34 in the usage control unit 30 refers to the usage history registered in the storage device 201 , calculates the cumulative usage amount for each group and for each usage subject within a predetermined period, and stores it in the storage device 201 . Register for update. In response to a usage approval inquiry for one of the plurality of corporate cards 11 of the corporation, the usage limit reach determination unit 35 determines the usage request for the corporate card calculated by the cumulative usage amount calculation unit 34. By adding the amount, whether or not the cumulative usage amount of the applicable group and the applicable usage subject within a predetermined period reaches the set value for issuing a warning of reaching the upper limit of the accumulated usage amount registered in the usage rule setting unit 33 or not, or whether or not the use is denied. It is determined whether or not it exceeds the amount. Then, the message delivery unit 36 sends the upper limit reach warning message to the user information of the corporate card 11 when the upper limit reach determination unit 35 determines that the accumulated use amount within the predetermined period has reached the setting value for sending the upper limit reach warning. is sent to the e-mail address registered in , and a warning message is displayed on the screens of the corresponding management computer 1, corporate computer 12, and employee's mobile terminal 13. - 特許庁Further, when it is determined that the accumulated amount of use exceeds the use refusal amount, the use refusal message is transmitted to the mail address registered in the user information of the corporate card 11, and the corresponding management computer 1, corporate computer 12, A use refusal message is displayed on the screen of the mobile terminal 13 of the employee.

As shown in the sequence diagram of FIG. 15, the total number of cards in one group within a certain corporation is set to 10, and the three-month budget is set to 3,000,000 yen. As a result, the management computer 1 sets the upper limit of 300,000 yen for each card as 3,000,000 yen/10 cards (SQ11, SQ13). This registration information is registered in association with the card number of each of the 10 corporate cards 11 of the group, and the credit limit of each corporate card 11 is set to 300,000 yen (SQ15). When this setting is completed, each employee in the group is given the corporate card 11 to use.

Assuming that the total budget for a group for three months is 3 million yen, as shown in FIG. is set at 250,000 yen, and the maximum annual warning amount is set at 500,000 yen. The monthly upper limit of refusal amount is not set, but the quarterly (that is, three months) refusal amount is set at 300,000 yen, and the annual upper limit of refusal amount is set at 1,000,000 yen. Of course, these warning amounts and refusal amounts are only examples, and are not limited.

Thereafter, each employee belonging to the group will use the corporate card 11 distributed to him/herself for payment related to work. Therefore, when making a certain payment, the corporate card is presented to the store clerk or attendant to input the usage amount (SQ17). As a result, the card number of the corporate card is sent to the management computer 1, and the management computer 1 confirms whether the card number is the corporate card of its own group. is searched, and it is determined whether or not the addition of the new usage amount to the accumulated usage amount so far will reach the usage warning amount or whether the usage prohibited amount will be reached (SQ19, SQ21).

If it is determined that the quarterly usage warning amount of 250,000 yen will be reached, the decision in SQ21 branches to YES, for example, a usage warning message such as "The quarterly usage limit is approaching. Do you want to execute the payment?" is sent to the store's computer for confirmation by the user. At the same time, it is transmitted to the management computer 1 and the portable terminal 13 of the user of the corporate card 11, and is confirmed by the administrator or the user himself/herself. Also, if it is determined that the prohibited amount exceeds 300,000 yen, a usage prohibition message such as "This card cannot be used for payment because the usage limit has been exceeded" is sent to the store's computer and displayed for use. have the person confirm. At this time, it is also transmitted to the management computer 1 and the portable terminal 13 of the user of the corporate card 11, and is confirmed by the administrator or the user himself/herself (SQ23-1, SQ23-2).

On the other hand, if it is determined that even if the current usage amount is cumulatively added, the usage warning amount of 250,000 yen for this corporate card 11 will not be reached, the determination in SQ21 branches to NO, the card payment is permitted, and the payment is made at the POS. is executed (SQ25, SQ27). If the card is used, the cumulative usage amount of the corporate card 11 with the corresponding number is recalculated and registered (SQ29).

Next, processing functions of the corporate card management system according to another embodiment of the present invention will be described with reference to FIGS. 17-19. As shown in the block diagram of FIG. 17, the corporate card management system of the present embodiment has a corporate card registration section 31A, a corporate card usage history registration section 32A, and a usage rule setting section 33A as processing functions. These are processing functions in which an authorized administrator inputs and operates the management computer 1, the corporate computer 12, or the mobile terminal 13 as a UI and registers them in the storage device 201 of the corporate card management server 20. FIG.

The corporate card management system of the present embodiment includes a cumulative usage amount calculation unit 41 for calculating the cumulative usage amount of each corporate card 11 handed to each employee as processing functions on the corporate card management server 20, and a maximum usage amount determination unit 42. , a message generator 43 for generating a use warning message and a use prohibition message.

The corporate card registration unit 31A registers user information including the card notation name, belonging group, ID, and e-mail address of each of the plurality of corporate cards 11 of the corporation in the storage device 101, and updates and deletes the data. do. The corporate card usage history registration unit 32A automatically registers the usage history of the user information and the usage amount in the storage device 201 upon receipt of the input of the ID and the usage amount when each of the plurality of corporate cards 11 of the corporation is used. do.

The usage rule setting unit 33A sets the upper limit of the cumulative amount of usage of the corporate card 11 within a predetermined period for each corporate group or subject, for example, for one or more periods of each fiscal year, quarter, or month. A set value for sending an arrival warning and use refusal is registered in the storage device 201 .

The corporate card management server 20 has a cumulative usage amount calculation unit 41 , a maximum usage amount determination unit 42 , and a message generation unit 43 as processing functions of the usage control unit 40 . The accumulated use amount calculation unit 41 calculates and stores the accumulated use amount of the corporate card 11 of each employee, and notifies the accumulated use amount to the management computer 1, the corporate computer 12, and the portable terminal 13 in response to an inquiry. When using any of the corporate cards 11, the usage limit determination unit 42 adds the amount billed for use of the corporate card 11 calculated by the cumulative usage amount calculation unit 41, and determines the usage of the corresponding group and corresponding item within a predetermined period. It is determined whether or not the accumulated amount reaches the set value for issuing a warning of reaching the upper limit of the accumulated amount of use, which is notified from the usage rule setting unit 33, and whether or not it exceeds the usage refusal amount. Then, when the maximum usage amount reach determination unit 42 determines that the accumulated usage amount within a predetermined period has reached the set value for transmitting the maximum usage warning, the message generation unit 43 notifies the maximum usage warning message to the corresponding ID. , is displayed on the computer 12 or the mobile terminal 13 . Also, when the usage upper limit reach determination unit 42 determines that the cumulative usage amount within a predetermined period exceeds the usage refusal set value, the usage refusal message is notified to the computer 12 or portable terminal 13 of the corresponding ID and displayed. When presenting the accumulated amount of use, the budget and accumulated amount of use for each corporate card 11 can be graphed and displayed.

As shown in the sequence diagram of FIG. 18 and the display example of FIG. 19, in the present embodiment, as in the first embodiment, the number of corporate cards per corporation, group within the corporation, etc. is set to 10. , the three-month budget is 3 million yen. As a result, the management computer 1 registers this total budget of 3 million yen in the corporate card management server 20 . At the same time, rules for reaching the upper limit warning amount and usage refusal amount are also registered (SQ51).

Based on this usage rule, the corporate card management server 20 registers a usage limit of 300,000 yen for each corporate card 11 . That is, the total budget for each corporate card 11 is 3,000,000 yen, and the own card limit is 300/10 = 300,000 yen, and the usage limit is set at 300,000 yen (SQ53). Also, if 1,550,000 yen out of the total budget of 3,000,000 yen has already been used by the group as a whole, the total usage amount of the group is also updated and registered.

Assuming that the three-month total budget for a certain group is 3 million yen, based on the usage rules of the system registered in advance for each corporate card 11 card number, the monthly warning upper limit is set at 50,000 yen, quarterly (i.e. , 3 months) is set at 250,000 yen, and the annual maximum warning amount is set at 500,000 yen. The monthly upper limit of refusal amount is not set, but the quarterly upper limit of refusal amount is set at 300,000 yen, and the annual upper limit of refusal amount is set at 1,000,000 yen.

Thereafter, each employee belonging to the group will use the corporate card 11 distributed to him/herself for payment related to work. Therefore, when making a certain payment, the corporate card is presented to the store clerk or attendant to input the usage amount (SQ55). Then, the corporate card management server 20 determines whether the new usage amount will reach the usage warning amount or the usage prohibited amount when the new usage amount is added to the accumulated usage amount up to that point for the corresponding corporate card 11. It is determined whether or not (SQ57, SQ59).

If it is determined that the quarterly usage warning amount of 250,000 yen will be reached, SQ59 branches to YES, for example, a usage warning such as "The quarterly usage limit is approaching, but do you want to make a payment?" The message is notified to the store computer, and the store clerk asks the user to confirm it. At the same time, it is transmitted to the administrative computer 1 and the mobile terminal 13 of the user of the corporate card 11, and is confirmed by the administrator or the user himself/herself. Also, if it is determined that the prohibited amount exceeds 300,000 yen, for example, a prohibited message such as "This card cannot be used for payment because the usage limit is exceeded" is displayed on the store's computer, and the user is confirmed. Let At this time, it is also transmitted to the administrative computer 1 and the portable terminal 13 of the user of the corporate card 11, and is confirmed by the administrator or the user (SQ61-1, SQ61-2). (In terms of system operation, these messages are sent to the ID base linked to the card number of the corporate card 11, but for convenience of explanation, they are described as being sent to computers and portable terminals.)
On the other hand, if it is determined that even if the current usage amount is cumulatively added, the usage warning amount for the corporate card 11 of 250,000 yen will not be reached, the determination in SQ59 branches to NO, the card payment is permitted, and the store computer is used. is executed (SQ63). Then, the corporate card management server 20 updates and stores the accumulated usage amount of the corresponding card 11 (SQ65, SQ67, SQ69).

In addition, the corporate card management system of the first and second embodiments described above cooperates with the accounting processing system, further incorporates payment status grasping/analyzing units 37, 37A and budget control/settlement processing units 38, 38A, The usage status of each corporate card 11 can be viewed and monitored in real time by the management computer 1, the corporate computer 12, and the portable terminal 13. In addition, each corporate card 11 can be coordinated with the salary payment of the employee who possesses it, and budget management and adjustment can be performed such as deducting the amount for personal use from the salary. In addition, it is also possible to aggregate the usage history of each of the plurality of corporate cards 11 of the corporation, create a usage report, and distribute it to employees belonging to the company or employees in managerial positions.

As a result, in the corporate card management system of the first and second embodiments, according to the usage restriction rules of the corporate card 11 set according to the belonging group set for each corporation, within a predetermined period, for example, every fiscal year, It is possible to monitor the overuse of individual users within a quarterly or monthly period and issue warnings, enabling real-time control of corporate card usage.

As described above, according to the corporate card management system of the present invention, the corporate card management method using the same, and the accounting management program executed on the corporate card management system, management, administrators, and users are each affected by their operation. Expenses can be visualized according to position and position. In addition, when a corporate card is used, real-time alerts can be received when the usage limit is reached or the set amount for refusal of usage is reached. be able to. In addition, it will be a boost to the introduction of corporate credit cards to companies that have been hesitant to introduce corporate credit cards due to anxiety, and it will be possible to spread corporate cards, which until now were only owned by some executives, to all employees.

In addition, by distributing corporate cards, employees' reimbursement payments can be eliminated, transfer fees can be reduced, giving on-site discretion and expense budgeting, reducing pre-application processing, and respecting self-determination. It can be transformed into a more streamlined operation, resulting in improved site mobility and productivity. In addition, for the issuer, it will be easier for the issuer to sell corporate cards to bank customers because it can be linked with the expense settlement system by installing this system function. For customers, advance applications and business trip applications can be linked with approval and settlement in the expense settlement system.

1 Management computer 2 Internet 10 Card company server 11 Corporate card 12 Computer 13 Portable terminal 20 Corporate card management server 31, 31A Corporate card registration units 32, 32A Corporate card usage history registration units 33, 33A Usage rule setting unit 34 Accumulated usage amount Calculation unit 35 Usage limit reach determination unit 36 Message distribution unit 37, 37A Settlement status grasp/analysis unit 38, 38A Budget management/settlement processing unit 41 Cumulative usage amount calculation unit 42 Usage limit amount reach determination unit 43 Message generation unit 101 Storage Device 201 Storage device 204 Employee information registration unit 205 Message application management unit 206 Mail management unit 207 Communication control unit 208 Accounting processing unit 209 Corporate card management unit

Claims (15)

a corporate card registration unit for registering user information including the user's name, group affiliation, and e-mail address for each of a plurality of corporate cards of a corporation in a storage device;
a corporate card usage history registration unit for registering in the storage device a usage history of the user information, the item used, and the amount of money spent when each of the plurality of corporate cards of the corporation is used;
a usage rule setting unit for registering, in the storage device, a set value for issuing a warning that an accumulated usage amount within a predetermined period has reached an upper limit for each group and for each usage item of each of the plurality of corporate cards of the corporation;
Referencing the usage history registered in the storage device, calculating the accumulated usage amount within a predetermined period for each group and for each usage item of the plurality of corporate cards, and registering the accumulated usage amount in the storage device a calculation unit;
In response to an inquiry for approval of the use of one of the multiple corporate cards of the corporation, the accumulated amount of use of the applicable group and applicable item within the predetermined period by adding the amount billed for the use of the applicable corporate card a usage upper limit determination unit that determines whether or not reaches a set value for sending an upper limit reaching warning of the accumulated usage amount registered in the usage rule setting unit;
When the maximum usage amount reaching determination unit determines that the cumulative usage amount within the predetermined period reaches a set value for issuing an upper limit reaching warning message, an upper limit reaching warning message is registered in the user information of the corporate card. A corporate card management system, comprising: a message delivery unit for sending to an e-mail address. The usage rule setting unit registers, in the storage device, a usage refusal set value of the accumulated usage amount of each corporate card within a predetermined period for each corporate group and for each usage subject,
In response to a usage approval inquiry for one of the plurality of corporate cards of the corporation, the usage limit reach determination unit determines whether the corresponding group within the predetermined period by adding the amount billed for the usage of the corporate card, determining whether or not the cumulative usage amount of the corresponding usage item reaches the usage refusal set value of the cumulative usage amount registered in the usage rule setting unit;
The message distribution unit registers a use rejection message in the user information of the corporate card when the upper limit amount reach determination unit determines that the accumulated use amount within the predetermined period reaches the use rejection set value. 2. The corporate card management system according to claim 1, wherein the corporate card management system transmits to an e-mail address of the company. 3. The corporate card management system according to claim 1, wherein said predetermined period is one or more of a fiscal year, a quarter, and a month. 4. The corporate card according to any one of claims 1 to 3, further comprising a usage report creation unit that aggregates the usage history for each usage subject of each of the plurality of corporate cards of the corporation and creates a usage report. management system. 5. The corporate card management system according to claim 4, wherein the message delivery unit converts the usage report into a format of a mailer, an SNS application, or a dedicated application to the email address, and transmits the report to the requesting mobile terminal. system. a corporate card registration step of registering user information including the user's name, group affiliation, and e-mail address for each of a plurality of corporate cards of a corporation in a storage device;
a corporate card usage history registration step of registering in the storage device a usage history of the user information, the item used, and the amount of money spent when each of the plurality of corporate cards of the corporation is used;
a usage rule setting step of registering, in the storage device, a set value for issuing a warning that an accumulated usage amount within a predetermined period has reached an upper limit for each group and for each usage item of each of the plurality of corporate cards of the corporation;
Referencing the usage history registered in the storage device, calculating the accumulated usage amount within a predetermined period for each group and for each usage item of the plurality of corporate cards, and registering the accumulated usage amount in the storage device a calculation step;
In response to an inquiry for approval of the use of one of the multiple corporate cards of the corporation, the accumulated amount of use of the applicable group and applicable item within the predetermined period by adding the amount billed for the use of the applicable corporate card a usage limit reaching determination step of determining whether or not reaches a set value for sending an upper limit reaching warning of the cumulative usage amount registered in the usage rule setting step;
When it is determined in the step of determining whether the maximum usage limit has been reached, the maximum usage warning message is registered in the user information of the corporate card when it is determined that the cumulative usage amount within the predetermined period reaches a set value for issuing an upper limit reaching warning. and a message delivery step of sending a message to an e-mail address of the company. In the usage rule setting step, usage refusal setting values for accumulated usage amounts of corporate cards within a predetermined period for each corporate group and for each usage subject are registered in the storage device;
In the step of determining whether the usage limit has been reached, in response to a usage approval inquiry for one of the plurality of corporate cards of the corporation, the corresponding group within the predetermined period by adding the amount billed for the use of the corporate card; determining whether or not the accumulated usage amount of the corresponding usage item reaches the usage refusal set value of the accumulated usage amount registered in the usage rule setting step;
In the message delivery step, when it is determined in the step of determining whether the usage limit has been reached that the accumulated usage amount within the predetermined period has reached a usage refusal set value, a usage refusal message is registered in the user information of the corporate card. 7. The corporate card management method according to claim 6, wherein the corporate card is sent to the e-mail address of the company. 8. The corporate card management method according to claim 6, wherein said predetermined period is one or more of a fiscal year, a quarter, and a month. 9. The corporate card management method according to any one of claims 6 to 8, further comprising a usage report creating step of compiling usage histories of each of the plurality of corporate cards of said corporation and creating a usage report. 10. The corporate card management according to claim 9, wherein in said message delivery step, said usage report is converted into a format of a mailer, SNS application, or dedicated application to said email address and sent to the requesting mobile terminal. Method. A corporate card management program to be installed and executed on a computer system,
a corporate card registration step of registering user information including the user's name, group affiliation, and e-mail address for each of a plurality of corporate cards of a corporation in a storage device;
a corporate card usage history registration step of registering in the storage device a usage history of the user information, the item used, and the amount of money spent when each of the plurality of corporate cards of the corporation is used;
a usage rule setting step of registering, in the storage device, a set value for issuing a warning that an accumulated usage amount within a predetermined period has reached an upper limit for each group and for each usage item of each of the plurality of corporate cards of the corporation;
Accumulated usage amount registered in the storage device by referring to the usage history registered in the storage device and calculating the cumulative usage amount within a predetermined period for each group of the plurality of corporate cards and for each usage subject a calculation step;
In response to an inquiry about the approval of use of any one of the plurality of corporate cards of the corporation, the accumulated amount of use of the corresponding group and the corresponding usage item within the predetermined period by adding the amount billed for the use of the said corporate card a usage limit reach determination step of determining whether or not reaches a setting value for sending an upper limit reaching warning of the cumulative usage amount registered in the usage rule setting step;
When it is determined in the step of determining whether the maximum usage amount has been reached that the cumulative usage amount within the predetermined period has reached a set value for issuing an upper limit alert message, an upper limit alert message is registered in the user information of the corporate card. A corporate card management program characterized by executing a step of sending a message to an e-mail address addressed to an existing corporate card. In the usage rule setting step, usage refusal setting values for accumulated usage amounts of corporate cards within a predetermined period for each corporate group and for each usage subject are registered in the storage device;
In the step of determining whether the usage limit has been reached, in response to a usage approval inquiry for one of the plurality of corporate cards of the corporation, the corresponding group within the predetermined period by adding the amount billed for the use of the corporate card; determining whether or not the accumulated usage amount of the corresponding usage item reaches the usage refusal set value of the accumulated usage amount registered in the usage rule setting step;
In the message delivery step, when it is determined in the step of determining whether the usage limit has been reached that the accumulated usage amount within the predetermined period has reached a usage refusal set value, a usage refusal message is registered in the user information of the corporate card. 12. The corporate card management program according to claim 11, wherein the corporate card management program transmits to the e-mail address of the company. 13. The corporate card management program according to claim 11, wherein the predetermined period is one or more of a fiscal year, a quarter, and a month. 14. The corporate card management program according to any one of claims 11 to 13, further comprising a usage report creating step of compiling usage histories of each of the plurality of corporate cards of said corporation and creating a usage report. 15. The corporate card management system according to claim 14, wherein in said message delivery step, said usage report is converted to a format of a mailer, SNS application, or dedicated application to said email address and sent to the requesting mobile terminal. program.

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