JP3048265U - Accounting processor between bank, user and accounting office - Google Patents

Abstract

(57) [Summary] [Problem] It is not necessary to fill in a journal, and the accounting office can save the trouble of accounting processing performed on a business trip to the user's home, etc., and can further simplify the user's accounting processing easily and quickly. Provides an accounting device between banks, users, and accounting firms that can be performed at low cost. SOLUTION: The bank is provided with transaction data accumulation storage means for accumulating and storing transaction data of a predetermined user via the bank, transaction data receiving means, and transaction data transmission means. It has a receiving means, a journal data generating means for automatically generating journal data necessary for accounting processing such as journals, and a journal data transmitting means for transmitting to a accounting office, and the accounting office transmits the journal data transmission request transmitting means and the user. Journal data receiving means for receiving the selected journal data.

Description

[Detailed description of the invention]

[0001]

[Technical field to which the invention belongs]

 The present invention relates to an accounting processing device for accounting for a manager of a private store or the like (user). In particular, a bank, a user, and an accounting office are connected online or offline by mail or the like, thereby facilitating quick and easy accounting. The present invention relates to a technology of an accounting processor for performing processing.

[0002]

[Prior art]

 Regardless of corporations, individual shops, etc., daily transactions are described in journals. Based on the entries in this journal, accounting processes such as creating ledgers, trial balances, financial statements, and financial statements are performed. However, it is extremely troublesome for a user such as a personal store to enter daily transaction data such as deposits and withdrawals in a journal, and requires specialized knowledge of bookkeeping. In addition, the accounting office receives the delivery of accounting books such as journals created by the user, or the person in charge of the accounting office goes to the user's home to issue journals based on the primitive vouchers and to make entries. Or inputting data from the computer keyboard.

Accordingly, the present applicant receives the transaction data of a predetermined user previously recorded in a bank by the user online or offline such as postal mail, and automatically converts the journal data based on the provided data. A new technology to be created is disclosed (Japanese Patent Application No. 8-277409; details will be described later). This technology is excellent in that it can save the troublesome work of filling in a journal as in the past, and eliminates the need for specialized knowledge of bookkeeping. However, this system is an accounting system between the bank and the user, and the final accounting of the user is generally performed at the accounting office that is entrusted to the user. Often done.

[0004]

[Problems to be solved by the invention]

 The present invention was created in view of such circumstances, and eliminates the need to enter journals and perform complex bookkeeping knowledge and acquisition by users, such as managers of private shops, and to obtain accounting firms. In this case, it is possible to save the trouble of accounting processing performed on a business trip to a user's home or the like, and therefore, it is possible to perform the accounting processing of the user easily, quickly, and at a low cost. Its purpose is to provide accounting equipment between offices.

[0005]

[Means for Solving the Problems]

 The present invention provides an accounting processing system between a bank, a user, and an accounting office to achieve the above object, wherein the bank stores and stores transaction data of a predetermined user via the bank. Storage means (10), transaction data receiving means (2, 3, 5) for receiving a transaction data transmission request from the user, and transaction data transmission means (2) for transmitting the transaction data requested to be transmitted. , 3, 5), wherein the user receives the transmitted transaction data from a transaction data transmission request transmitting means (31, 32, 34) for requesting the bank to transmit own transaction data. Transaction data receiving means (31, 32, 34); and journal data generating means (31, 32, 35) for automatically generating journal data necessary for accounting processing such as journals from the received transaction data. Journal data transmission means (31, 32, 34) for transmitting the generated journal data to the accounting office in response to a transmission request from the accounting firm, wherein the accounting office provides the journal data to the user. Data transmission requesting means (51, 52, 54) for requesting the transmission of journal data; and journal data receiving means (51, 52, 54) for receiving the journal data transmitted from the user. The accounting process of the user is performed based on the data.

Further, the bank is provided with transaction data storage means (2, 3, 9) for storing the user's transaction data stored and stored in the transaction data storage enabling means in a storage medium. The storage medium on which the transaction data is recorded is sent to the user off-line such as by postal mail to perform the accounting process, and the user stores the journal data generated by the journal data generating means in the storage medium. A journal data storage means (31, 32, 39) for storing the journal data, and sending the storage medium storing the journal data to the accounting office by mail or the like offline to perform the accounting process. It is assumed that.

[0007] The bank may further include a data storage and storage unit configured to store and store transaction data of the predetermined user via the bank, and may be provided with an accounting process from the user in advance and exchange the user with the bank. Transaction data receiving means for receiving a request for transmission of transaction data relating to the user from an accounting firm that has concluded a direct provision contract for the transaction data with respect to the transaction data of the user who requested the transmission. Transaction data transmission means for transmitting transaction data transmission requesting means for requesting the bank to transmit transaction data relating to the user, and receiving the transmitted transaction data. Transaction data receiving means and journal data generation for automatically generating data for creating accounting books such as journals from the received transaction data. Means (51, 52, 54), wherein the accounting process of the user is performed based on the generated journal data, and the bank stores the transaction data of the user in a storage medium. Transaction data storage means is provided, and a storage medium storing the transaction data is sent to the accounting office off-line by mail or the like to perform the accounting processing.

[0008]

[Embodiment of the invention]

 An embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a conceptual diagram for explaining the present invention. In the figure, in a first embodiment of the present invention, a bank 1, a user 30, and an accounting office 50 are connected by a communication line L ~. Then, the bank 1 transmits the transaction data recorded in a predetermined bank account of the user 30 to the user 30 in response to the user 30's request to transmit the transaction data. The user 30 generates journal data from the received own transaction data by the journal data generating means, and transmits the generated journal data to the accounting firm 50. The accounting office 50 performs a predetermined accounting process based on the journal data received from the user 30.

In the second embodiment, the bank 1 and the accounting office 50 are connected to each other by a communication line L, and the transaction data of the user 30 who has previously received a direct provision contract with the bank 1 for transaction data is provided. The accounting office 50 receives the data directly from the bank 1. In the third embodiment, the data exchange between the bank 1, the user 30, and the accounting office 50 is stored in some portable storage medium such as a floppy disk (FD) or a magneto-optical disk (MO). The storage medium is sent off-line such as by mail. Further, in the fourth embodiment, the transaction data of the bank 1 and the accounting firm 50 is stored in an FD or the like, and the data is transferred off-line by mail or the like. Hereinafter, the first embodiment will be described, and finally, a technology for automatically generating journal data from transaction data provided by a bank will be described. The device configurations shown in FIGS. 2 to 4 are common to the first to fourth embodiments, and will be described together in the description of the first embodiment.

FIG. 2 is a diagram illustrating a device configuration in the bank 1. First, a CPU 2 for controlling each section, a memory section for storing a control program for the CPU 2, a memory section as a work area 3, a password collating section for collating transmitted passwords 4, a data transmitting / receiving section for transmitting / receiving data. 5, a keyboard 6 for inputting data, and a CRT (display) 7 for outputting data. Also, a CD-ROM drive 8 for reading data on a CD-ROM storing the accounting procedure and the like according to the present invention, an FD drive 9 for outputting transaction data of a predetermined user to an FD, and a transaction of each user. It comprises an HD (hard disk) 10 for storing and storing data and for storing a predetermined program. A predetermined portion of the program describing the procedure stored in the CD-ROM is read into the memory unit 3 or the HD 10 in advance.

FIG. 3 is a diagram showing a device configuration of the user 30. First, a CPU 31 for controlling each section, a memory section 32 for storing a control program for the CPU 31 and a work area, a password collating section 33 for collating transmitted passwords, and a data transmitting / receiving section 34 for transmitting / receiving data. A journal data generator 35 for automatically generating journal data based on the transaction data transmitted from the bank 1, a keyboard 36 for inputting data, and a CRT 37 for outputting data. Also, the data of the CD-ROM drive 38 and the FD for reading the data of the CD-ROM storing the program of the accounting process according to the present invention and the program for generating the journal data described later are read out. It comprises an FD drive 39 for writing data and an HD 40 for storing various program data. In addition, a predetermined portion of a program for realizing the procedure and a program used in the journal data generation unit, which are stored in the CD-ROM, are read into the memory unit 52 and the HD 59 in advance.

FIG. 4 is a diagram showing a device configuration in the accounting office 50. First, a CPU 51 for controlling each section of the apparatus, a memory section 52 for storing a control program for the CPU 51 and a working area, a data transmitting / receiving section 53 for transmitting / receiving data, and a transaction data transmitted from the bank 1 are described. The system includes a journal data generation unit 54 for automatically generating journal data, a keyboard 55 for inputting data, and a CRT 56 for outputting data. In addition, a CD-ROM drive 57 for reading data of a CD-ROM storing a journal data generation program described later and an accounting procedure according to the present invention, an FD drive 58, and an HD 59 storing various programs and data. It is configured. Further, a predetermined portion of a program for realizing the procedure and a program used in the journal data generation unit 54 stored in the CD-ROM are read into the memory unit 52 and the HD 59 in advance.

Next, the operation of the first embodiment will be described with reference to the flowchart shown in FIG. In the operation of each embodiment described below, the CPUs 2, 31, and 51 in each device configuration control each unit based on a predetermined program stored in the memory unit 3, 32, 52, or the like. .

First, the user 30 requests the bank 1 to transmit a transaction data by inputting a predetermined password from the keyboard 36. This transmission request is transmitted to the bank 1 by the data transmission / reception unit 5 via the communication line L such as a telephone line or a dedicated line (step S1). When the bank 1 receives the transmission request via the data transmission / reception unit 5, the password verification unit 4 verifies the password (step S2). If it is determined that the transmitted password is correct, the transaction data of the user is read from the HD 10 storing and storing the transaction data, and the read data is transmitted from the data transmission / reception unit 5 to the communication line. To the user 30 via L. The user 30 receives the transmitted transaction data at the data transmission / reception unit 34, and generates journal data at the journal data formation unit 35 based on the received data (step S3). Is stored in

On the other hand, the accounting office 50 inputs a predetermined password from the keyboard 55 and requests the user 30 who has been entrusted with accounting processing to transmit journal data. This transmission request is transmitted from the data transmission / reception unit 53 to the user 30 via the communication line L (step S4). Upon receiving the transmission request, the user 30 verifies the password by the password verification unit 33. If the password is determined to be appropriate, the user 30 reads the journal data stored in the HD 40 and transmits the data to the data transmission / reception unit. The journal data is transmitted from 34 to the accounting office 50 via the communication line L (step S5). The transmitted journal data is received by the data transmitting / receiving unit 53 of the accounting office, and a predetermined accounting process is performed based on the received journal data (step S6).

Next, a second embodiment will be described. In the second embodiment, the user who connects the bank 1 and the accounting office 50 via the communication line L and has previously received a transaction data provision contract with the bank 1 based on the consent of the user 30 The accounting firm 50 receives the 30 transaction data directly from the bank 1 and performs the accounting process. Since the device configurations of the bank 1 and the accounting office 50 are basically the same as those of the first embodiment, the description thereof will be omitted, and the operation thereof will be described below with reference to the flowchart of FIG.

First, the accounting office 50 inputs a predetermined password from the keyboard 55, and makes a request to the bank 1 to transmit the transaction data of the user 30 who is entrusted with the accounting process. This transmission request is transmitted from the data transmitting / receiving unit 53 to the bank 1 via the communication line L (step S10). In the bank 1, upon receiving the transmission request via the data transmission / reception unit 5, the password verification unit 4 verifies the password. When the password transmitted by the verification is determined to be appropriate, the transaction data is transmitted. The transaction data of the user is read out from the HD 10 that stores and stores the data, and the read data is transmitted from the data transmitting / receiving unit 5 to the accounting office 50 via the communication line L (step S11).

On the other hand, the accounting office 50 generates journal data in the journal data generator 54 based on the transaction data from the bank 1 received in the data transmitter / receiver 53 (step S12). Then, predetermined accounting processing is performed based on the generated journalizing data (step S13).

Next, a third embodiment will be described. In this embodiment, the exchange of the data between the bank 1, the user 30, and the accounting office 50 is stored in some storage medium such as an FD or an MO, and the storage medium is sent offline by mail or the like. The accounting process is performed in the accounting office 50. Since each device configuration has already been described, its operation will be described with reference to the flowchart of FIG.

First, the user 30 requests the bank 1 to send its own transaction data by means such as telephone or mail (step S20). In response to this request, the bank 1 reads out the transaction data of the user 30 from the HD 10 storing and storing the transaction data of the user 30 by a predetermined operation of the keyboard 6, and reads the read data. FD drive 9 stores it in the FD. The reading of the data of the FD may be configured to require input of a predetermined password. This FD is sent to the user 30 by mail, motorcycle service, or the like (step S21).

The user 30 having received the FD reads out the transaction data stored in the FD by the FD drive 39 by a predetermined operation of the keyboard 36. When the password is set, the password is input from the keyboard 36 to read the data. Based on the read transaction data, journal data is generated by the journal data generation unit 35, and the generated journal data is stored in the FD by the FD drive 39. The FD may be configured to require input of a predetermined password when reading data as described above. The user 30 sends the FD to the accounting office 50 by mail or the like.

In the accounting office 50, the journal data is read from the FD sent by the FD drive 58 by a predetermined operation of the keyboard 55, and the accounting process is performed based on the data (step 23). . When the password is set in the FD, the password is input from the keyboard 55 to read the data.

Next, a fourth embodiment will be described. In this embodiment, the FD in which the transaction data of the user 30 is stored is sent directly from the bank 1 to the accounting office 50 to perform the accounting process. Since the configuration of each device has already been described, its operation will be described with reference to the flowchart of FIG.

First, the accounting office 50 requests the bank 1 to send the transaction data of the user 30 who is entrusted with the accounting process by telephone or mail. In response to the sending request, the bank 1 reads out the transaction data of the user 30 from the HD 10 storing and storing the transaction data by a predetermined operation of the keyboard 6, and transfers the read data to the FD drive 9. Store in FD. As described above, a configuration may be adopted in which reading of data from the FD requires input of a predetermined password.

In the accounting office 50, the transaction data is read from the received FD by the FD drive 58 by a predetermined operation of the keyboard 55, and the journal data is generated by the journal data generator 54 based on this data. Generated and a predetermined accounting process is performed based on the journal data (step S32). When the password is set in the FD, the password is input from the keyboard 55 to read the transaction data.

In addition, although not specifically shown as an embodiment, transaction data is exchanged between the bank 1 and the user 30 by a communication line, and journal data is stored between the user 30 and the accounting office 50. A configuration may be adopted in which a storage medium such as an FD is sent by mail or the like to perform accounting processing. The transfer of transaction data between the bank 1 and the user 30 can use the existing so-called electric banking (EB) system as it is. Furthermore, each of the above-described device configurations can be replaced with a personal computer, that is, a so-called personal computer.

Next, a description will be given of a technique for generating journal data in which journal entries are automatically performed by the journal data generators 35 and 54. This journal data generation is to automatically generate journal data using the transaction content entered in the summary column on the transaction data provided online or offline from the bank 1, and the data in this summary column is generated. May be entered in a 20-byte input area that can be input as a correspondence by a bank user in the case of a transfer or remittance in the future.

First, the transaction data tables provided by the bank as shown in FIGS. 18 to 21 include the date, time, contact name, financial institution name, branch name, account type name, account type, Number, transaction name (transfer, transfer deposit, collection, collection receipt, withdrawal, deposit, withdrawal, balance display), amount, check classification (display of check, other store ticket), summary, bank name, branch name ( In the case of bank transfer, bank transfer payment), a user number, a bank transfer message, a remarks column, etc. are provided, and data is printed in each column.

When the “transaction name” column of item 16 (see FIG. 19) is displayed as debited, “NHK reception fee”, “electricity fee”, “gas fee” is displayed in the “summary” column of item 21. , “Water charge” and “telephone charge” are entered, and “deposit” and “withdrawal” are displayed in the “transaction name” column, the “cash”, “card”, “check” "," Other store ticket "," Cash collection "," Gas return "," Regular interest "," Dividend "," Bills "," Pensions ", and other character strings.

FIG. 9 is a flowchart of an accounting system that enables automatic journaling according to the present invention. The contents of the transaction as shown in FIG. A correspondence table 104 comprising a character string 101 to be entered in the “Description” field of the transaction inquiry data, a subject code 102 corresponding to the transaction content, and a subject name 103 indicating the subject code 102 is provided. .

In this accounting process, the character string in the “Description” column of the transaction data obtained from the bank is read (Step S101), and this character string is compared with the character string 100 in the correspondence table (Step S102A). , S102). Here, for example, if the character string in the “Description” column of the transaction data is “NHK reception fee” (step S102), the subject code is 111 from the correspondence table 104 for the automatically debited utility charges. Then, a journal as communication cost is generated (step S104).

Similarly, if the charge is “telephone charge”, journalizing is performed as the communication cost of the subject code 111 (steps S 105, S 103, S 104). If the charge is “electric charge” (step S 106), A journal as a utility bill of the code 222 is automatically generated (steps S106, S107, S104).

As described above, the character string on the transaction data provided by the bank and the character string in the correspondence table 104 are compared in the memory, and if they match, the transaction details can be determined, and the Journal entries are automatically generated because accounts can be determined.

If the details of the transaction cannot be determined from the “Description” field on the transaction data provided by the bank or the information in the “20-byte input area that can be used by the bank user”, a temporary account The journal is automatically generated once with this subject as the partner subject. Since the journal data processed by the provisional account is searchable, after the search, the data is corrected to be a correct journal (step S110). Therefore, accurate accounting books can be obtained in a short time.

In the “summary” column on the transaction data, “transfer name” is set for “transfer” and “collector name” is set for “collection”. By creating a table, it is possible to automatically generate journal entries for sales accounting. In other words, in the case of “transfer”, if the transfer person name is ABC Shokai Co., Ltd., the sales of the account code 333 is recorded. Journals are automatically generated as fees. This state is shown in the flowchart of FIG.

In addition, an account code is entered in the “20-byte input area that can be used by the bank user” on the transaction data provided online or offline from the bank, the transaction contents are determined from this account code, and the journal is entered. You may comprise so that it may be generated automatically.

More specifically, in the case of payment for purchase of goods, if the item code of “purchase amount” of the account is “555”, “555” is input. In the case of payment for the cost of office supplies, if the item code of “office supply costs” of the account is “666”, “666” is entered. Since the entered account code is set in the "20-byte input area available to bank users" on the transaction data provided by the bank, the account code entered in the transaction data is used. Journals can be automatically generated from subject codes.

FIGS. 13 and 14 show another example. In the data on the transaction data provided by the bank, it may be necessary to process even one amount for two journals. For example, in the case of a transaction in which the transfer fee is paid by us for payment of the purchase price to the supplier. In this case, a journal pattern as shown in FIG. 13 is registered in advance and stored in a memory, and a code indicating this journal pattern is input to a "20-byte input area that can be used by a bank user".

Since the code indicating the entered journal pattern is set in the “20-byte input area that can be used by the bank user” on the transaction data provided by the bank, the journal pattern code and FIG. A journal can be automatically generated by matching the journal pattern. In the example of FIG. 13, the journal pattern table 111 is searched using the journal pattern code number 1000 set in the “20-byte input area” as a key, and if the codes match, the journal format can be determined. Journals can be automatically generated.

The flowchart in FIG. 15 prevents the journal data from being recorded twice or three times by recording the data on a storage medium every time transaction data is obtained from a bank. For example, it is assumed that data is input at the end of January, journals from January 1, 2008 to January 31, 2008 are generated and recorded on a storage medium. In this case, the data reception date is recorded on January 31, 2008 as a storage medium. Next, if the data is obtained at the end of February, the data from January 1, 2008 to February 28, 2008 will be obtained again, but for the data from January 31, 2008, journal entries have already been generated. Since it is known from the data reception date January 31, 2008, the journal is automatically generated only for the transactions on and after February 1, 2008.

[0041] In this way, the transaction for one month is not duplicated and recorded. When a journal is automatically generated for the data up to February 28, 2008 and recorded on the storage medium, the date of receipt of the data recorded on the storage medium is updated to February 28, 08. In this way, it is possible to prevent double journal entry from being performed by the date data.

As another method of the above-described prevention method, transaction data provided online or offline from a bank is recorded as journal data on a recording medium such as paper, or until the recording on the recording medium. A function may be provided to expand the transaction data on the memory without performing it and to select whether to output necessary accounting books, so as to prevent journal data from being recorded twice or triple.

That is, the data is recorded on the storage medium once at the end of the fiscal year, and the data for the accounting period is recorded once. When the accounting book is required in the middle of the accounting period, it is entered from the bank. If the data obtained is expanded on the memory and an accounting book can be created as required, the journal data will not be generated twice or triple.

The character string in the “Description” column on the transaction data provided online or offline from the bank is directly reflected in the journal data as a journal description, so that the data in the “Description” column from the keyboard can be read. It may be configured to omit the operation of manually inputting the password.

FIG. 17 shows a recording image on the memory when journal data is recorded. Actually, when the slip is created by hand, the details of the transaction are written by hand in the “summary” in FIG. 17, and when the slip is entered using a computer, the “summary” is entered. Enter the details of the transaction. Therefore, when journals are automatically generated and recorded on a storage medium, the information in the “Description” column on the transaction data that can be input from the bank is set as a summary of accounting data journals as shown in FIG. With such a configuration, the operation of manually inputting the character string in the “Description” field from the keyboard can be omitted.

[0046]

[Effect of the invention]

 As described above, according to the present invention, it is not necessary to fill in a journal and perform complicated bookkeeping knowledge and acquisition by a user such as a private store manager or the like. It is possible to save the trouble of accounting processing performed on a business trip, and therefore, it is possible to perform user accounting processing simply, quickly, and at low cost.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram for explaining the present invention.

FIG. 2 is a diagram illustrating an apparatus configuration in a bank 1.

FIG. 3 is a diagram showing a device configuration of a user 30.

FIG. 4 is a diagram showing a device configuration in an accounting office 50;

FIG. 5 is a flowchart illustrating the operation of the first embodiment.

FIG. 6 is a flowchart illustrating the operation of the second embodiment.

FIG. 7 is a flowchart illustrating the operation of the third embodiment.

FIG. 8 is a flowchart illustrating the operation of the fourth embodiment.

FIG. 9 is a flowchart showing a procedure for automatically generating a journal.

FIG. 10 is a diagram showing a correspondence table used when performing the journal entry of FIG. 9;

FIG. 11 is a diagram showing a correspondence table of another example.

FIG. 12 is a flowchart in a case where journals are automatically generated using the correspondence table in FIG. 11;

FIG. 13 is a diagram showing a correspondence table when journalizing is performed using a journal pattern code.

FIG. 14 is a flowchart in the case of performing automatic journalizing using the correspondence table of FIG. 13;

FIG. 15 is a flowchart showing a function for preventing duplicate entries from being generated.

FIG. 16 is a flowchart showing another procedure showing a function for preventing duplicate generation of a journal.

FIG. 17 is a diagram showing a storage image of journal data on a memory.

FIG. 18 is a diagram showing a transaction data table provided by a bank.

FIG. 19 is a chart of the successive leaves of FIG. 18;

FIG. 20 is a chart of the successive leaves of FIG. 19;

FIG. 21 is a chart of the successive leaves of FIG. 20.

[Explanation of symbols]

 1 bank 30 user 50 accounting office 2,31,51 CPU 3,32,52 memory unit 4,33 password collating unit 5,34,53 data transmitting / receiving unit 6,36,55 keyboard 7,37,56 CRT 8,38 , 57 DC-ROM drive 9, 39, 58 FD (floppy disk) drive 10, 40, 58 HD (hard disk) 35, 54 Journal data generator L communication line

Claims (5)

[Utility model registration claims] 1. An accounting processing device between a bank, a user, and an accounting office, wherein the bank stores and stores transaction data of a predetermined user via the bank, and a transaction from the user. A transaction data receiving unit for receiving a data transmission request; and a transaction data transmission unit for transmitting the transaction data requested to be transmitted, wherein the user requests the bank to transmit own transaction data. Transaction data transmission request transmission means, transaction data reception means for receiving the transmitted transaction data, journal data generation means for automatically generating journal data necessary for accounting processing such as journals from the received transaction data, Journal data transmitting means for transmitting the generated journal data to the accounting firm in response to a transmission request from the accounting firm; A journal data transmission request transmitting unit for requesting the user to transmit journal data; and a journal data receiving unit for receiving journal data transmitted from the user. The user's accounting process is performed based on the received journal data. Banks, users,
Accounting processor between accounting firms. 2. The bank includes transaction data storage means for storing the transaction data of the user in a storage medium, and sends the storage medium on which the transaction data is recorded to the user by mail or the like off-line. 2. The accounting apparatus according to claim 1, wherein the accounting processing is performed. 3. The user includes a journal data storage unit for storing the journal data generated by the journal data generating unit in a storage medium, and stores the journal data in a storage medium such as a mail off-line. 2. The method according to claim 1, wherein the accounting processing is performed by sending the accounting processing to the accounting office.
Accounting processing device between the bank, user and accounting office described. 4. An accounting processing device between a bank, a user, and an accounting office, wherein the bank stores and stores transaction data of the predetermined user via the bank, Transaction data receiving means for receiving a transaction data transmission request from an accounting firm that has received a contract for accounting processing and has concluded a direct provision contract for the transaction data with respect to the user with the bank And a transaction data transmitting means for transmitting transaction data of the user who has requested the transmission, wherein the accounting office requests the bank to transmit transaction data relating to the user. Transmitting means, transaction data receiving means for receiving the transmitted transaction data, and accounting books such as journals from the received transaction data. Journal data generating means for automatically generating data to be created, wherein accounting processing of the user is performed based on the generated journal data, accounting processing between a bank, a user, and an accounting office. apparatus. 5. The bank comprises a transaction data storage means for storing the user's transaction data in a storage medium,
5. The accounting between a bank, a user, and an accounting office according to claim 4, wherein the transaction processing is performed by sending the storage medium storing the transaction data to the accounting office off-line such as by mail. Processing equipment.