JP3473824B2 - Charge statement data distribution processing system - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention inputs a recording medium in which charge detail data including information on a financial institution or an account relating to a charge charged by a receiving institution and information about a breakdown item of a charge is input to transfer an account to a financial institution. The present invention relates to a charge statement data distribution processing system that creates electronic billing / detailed statement data including information on a breakdown item for each billing item and account transfer data having necessary information.

[0002]

2. Description of the Related Art FIG. 8 is a diagram for explaining an example of a conventional utility bill payment system, and FIG. 9 is a diagram showing a configuration example of a lump sum payment system. Along with cashlessness and automation of payment of charges, payment of public charges such as electricity, telephone, gas, water, and TV reception charges by automatic withdrawal from bank accounts has become widespread among individuals. These utility bills are sent to the bank by each business office of the billing organization (service supply company), and the debit data is sent to the bank. At the same time, a statement of usage is issued to the user, and the user uses the debit account of the bank. By providing the funds, the payment is made from a specific debit account.

However, although the above-mentioned automatic transfer of public utility charges is popular with individuals, it is the fact that it is rarely used by companies. In particular, it is not adopted by large-scale companies that have many business bases such as stores, sales offices, branch offices, etc. over a wide area nationwide, and the payment procedure is performed by a payment statement issued by the service supply company as shown in FIG. Payment payments are becoming the mainstream. The reason is
The company receives the invoice, confirms the invoice content and amount, and then pays.Because pre-payment approval is the principle of corporate accounting,
Post-approval payment debits must not be familiar to companies, and debits must be made on the debit date,
Since the amount of money to be withdrawn is not fixed, there is a possibility that a company will not be able to afford the funds in the cash flow, and there will be a loss of funds that causes the funds to be laid down on a regular basis.

Therefore, for example, even if there is an average of four companies paying for one business office, there are 35 payments nationwide.
For companies with 00 bases (business offices), 1680 per year
The procedure for payment of 00 sheets is executed. In addition, even if one office supplies 2 sheets of high voltage and low voltage every month, 3 to 5 telephones including facsimile, mobile phone, second electric power, etc. It only takes 6 to 8 payment slips. In addition, public utilities alone will make a total of 921 electric power companies, 12 telephone companies, 100 gas companies, and 800 water companies nationwide, including local governments (property tax, city planning tax, automobile tax), If you include payments for broadcasting stations, newspapers, leasing fees, land rent, and various membership fees, the amount of work will be enormous.

On the other hand, in the case of a mobile industry in which a construction site is set up only until the construction is completed, the consolidation of transactions is intense and the management seems to be complicated, so the local clearing principle is adopted. There is. For this reason, there are many billing institutions and their types, and even if these are centralized, the management is not well done, and the work of matching the burdened account after being debited is no different from the case of payment payment payment. There is also. In addition, the post-processing automatic transfer system for bank service products has a limited capacity. Due to such circumstances and the fact that the automatic withdrawal procedure may take a long time, a mixture of automatic withdrawal and payment payment may occur.
Generally, large-scale enterprises process payment of utilities, etc.
It's getting complicated.

[0006] Therefore, the present inventors have developed and proposed a prior collective billing details notification / lump payment system for charges (for example, Japanese Patent Application Laid-Open No. 9-325998, published on Nov. 1, 1996, "Business". Research "
Circular No. 869 (Corporate Research Institute) P64-71 "Notification of Advance Billing Details for Utility Charges and Taxes / Planning and Development of Collective Payment System"). FIG. 9 shows the system configuration, and its outline is as follows.

First, a public service institution, which is a billing institution, grasps the usage amount through meter reading, etc., creates charge detail data, and brings it into an office center such as a bank in the form of magnetic data. The data of the company is extracted and the billing detail data in which payment date units are summarized is created. The contractor number is read from this billing statement data by a filter institution and converted into a registered contractor number of the company, and matching processing is performed with the burden account master who registered the subscriber number and burden account at the base office and accounting department. Create a transfer list / slip. This process simplifies the accounting process and funding, and reduces the burden.

[0008]

However, according to the conventional system, as described above, the public service institution, which is a billing institution, uses a recording medium having charge detail data recorded therein, for example, a magnetic tape, as a financial institution such as a bank. At the same time, the bill is written and sent individually to the company that bears the bill. Therefore, for public service organizations that are billing organizations, in addition to the creation of charge detail data,
It takes a burden to prepare the bill, and the labor and cost for sending it cannot be ignored.

In addition, for a company that is a burdening organization, a transfer list / slip based on billing details data from a bank is accounted for, whereas a billing notice from a public service organization is sent to the base office. We will accept it at the transfer list.
It is not possible to manage slips and bills of advice collectively. Further, even if the same charge detail data of a public service organization or the like is used, cost items may differ depending on the base office, its use, and breakdown, but there is a problem that the accounting process in such a case cannot be handled. For example, in the case of telephone charges, ordinary domestic call charges are subject to consumption tax, while international call charges are exempt from consumption tax. Also, while the call fee is the expense item of the communication cost,
As for the telegram charge, the expense item of the entertainment expenses is used. Therefore,
It is required to be able to identify these in the accounting treatment of the company.

[0010]

[Means for Solving the Problems] The present invention is to solve the above problems, and it is possible to simplify the procedure of transfer processing and payment approval of utility bills even for companies using many bases and offices. It is possible to eliminate unnecessary waste and reduce labor in clerical work.

To this end, the present invention is designed for inputting a recording medium in which charge detail data including information on a financial institution or an account relating to a charge charged by a receiving institution and information about a breakdown item of a charge is input to transfer an account to a financial institution. A billing statement data distribution processing system that creates electronic billing / detailed billing data including billing item information for each billing item, and transfers it to a user company, which is a receiving agency as electronic data. A charge detail data input section for inputting charge detail data having at least a destination, a sender, a contract number, a billing breakdown, and financial institution information recorded in a data format for each from a recording medium, each receiving institution and a financial institution, By referring to the user company, the destination, the originator, and the sender of the charge statement data in the data format for each storage organization can be referred to.
Account transfer data consisting of charge type, billing breakdown, financial institution collection / delivery code, company code, type code, key section having delivery reference date and data section having information on account transfer, and billing amount and breakdown information. An editing table having editing data for editing and creating electronic billing / detailed statement data having contract number information, and the editing table is referred to from the fee statement data input from the fee statement data input section. An electronic transfer for each of the user companies by referring to the edit table from the charge detail data input from the charge detail data input unit, which edits and creates the account transfer data for each financial institution. -Electronic billing / detailed statement edit processing unit that edits and creates detailed statement data, and writes and manages billing data on a payment date basis for each user. A payment date management data file, is characterized in that a communication control unit that distributes the electronic billing and itemized data into a predetermined business day before the payment date.

The charge detail data comprises a management record, a plurality of bill making number records and a company total record, and the management record has at least information of a destination company code and a source company code. The billing number record should contain at least the contract number, total billing amount,
It has information on the number of invoices, financial institutions, accounts, and a plurality of invoice details. The company total record has information on the destination, total invoice amount, and invoice count. The invoice details consist of a breakdown code and a breakdown amount. The data section includes a header record, a plurality of data records, a trailer record, an end record, and a total record, and the header record has at least type code, transfer date, bank code, and account information. To do.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing an embodiment of a charge statement data distribution processing system according to the present invention, and FIG. 2 is a diagram for explaining the overall flow of processing by the charge statement data distribution processing system. In the figure, 1 is a charge detail data input unit, 2 is an editing table, 3 is an account transfer editing unit, 4
Is an electronic billing / detailed statement editing unit, 5 is an account transfer processing unit, 6
Is a communication control unit, 11 is a receiving organization, 12 is a charge detail data distribution processing system, and 13 is a user company.

In FIG. 1 (A), the charge detail data input unit 1 reads and inputs the charge detail data including information on financial institutions, accounts, and breakdown items related to the charges charged by the receiving organization. The charge detail data is stored as electronic data on a magnetic tape, floppy disk or other recording medium.The recording medium is a storage company such as a telephone company, an electric power company, a gas company, a leasing company, a tax office, a local government, and various other charges. It is brought in from the organization that requests taxes. The editing table 2 is used to convert and edit the charge statement data in the data format of each receiving institution into account transfer data having information necessary for account transfer of the financial institution, and edit the data. By creating the account transfer data in the data format processed by, and converting and editing the charge detail data into electronic billing / detailed breakdown data that includes the breakdown item information of the billing item for each billing item, It is a table for creating electronic billing / detailed breakdown data in a data format processed by (billing destination, paying company). By referring to the editing table 2, the account transfer editing unit 3 converts and edits data from the charge detail data input in the charge detail data input unit 1 for each financial institution such as a bank, and processes the data in each financial institution. It is to create the account transfer data for doing. Electronic billing / detailed statement editing unit 4
Refers to the edit table 2 to convert and edit the data of the charge detail data entered in the charge detail data input unit 1 for each user company, and to edit the electronic billing / details for processing by each user company. It creates data. The account transfer processing unit 5 processes each user company based on the account transfer data created by the account transfer editing unit 3, and, for example, notifies the charge on a predetermined day 2 to 7 days before the payment date, and the user company. Based on the financial allowance, the amount of billing data for each payment date will be paid out from the withdrawal account (electronic bill payment dedicated account) of the user on the payment date, and will be credited to the transfer account of the receiving institution. The communication control unit 6 distributes the electronic billing / detailed breakdown data created by the electronic billing / detailed breakdown editing unit 4 to the accounting department of the user company a predetermined date before the payment date, for example, 10 to 15 days before.

According to the charge statement data distribution processing system of the present invention having the above-mentioned configuration, in the storing organization, the financial institution, and the user company, as shown in FIG.
A gas company, a leasing company, a tax office, a local government, and other storage institutions 11 that charge various charges, taxes, etc., store the charge detail data in a recording medium as electronic data and bring it in. Is input to create account transfer data and electronic billing / detailed statement data, create necessary data according to the financial institution and user company 13, and notify and deliver. The charge statement data distribution processing system 12 includes a plurality of storage institutions,
It is possible to target financial institutions and companies, and each financial institution exists as the account transfer processing unit 5. Therefore, other input units, tables, processing units, etc. (1 to 4,
6) becomes a constituent institution common to each financial institution, and the account transfer data corresponding to each financial institution created from the account transfer editing unit 3 is sent to the account transfer processing unit 5. And user company 1
In 3, the electronic billing / detailed detailed data is, for example, about 10 to 15 days before the payment date from the server of the financial institution (account transfer processing unit 5) to the farm banking service (FB service).
It can be received by the C system (FB software of the bank), and the account transfer data is 2 to more than the payment date.
It can be received by the C system (communication control unit 6) 7 days ago.

Therefore, in the accounting department of the user company 13,
Send the electronic billing / detailed statement to the dispersed business sites using the company's intranet or e-mail to execute payment approval, confirm the billing approval at the business site, and use it for the electronic bill payment dedicated account You can deposit the same amount as the billed amount. In this way, the user company 13 uses the personal computer software provided by the financial institution to obtain one service number (for example, telephone number, contract machine number, etc.) contracted by the establishment and one service number on the electronic bill. Replacement processing can be performed by matching each. Further, accounting can be performed by tax exemption and expense expense items. On the other hand, the financial institution may pay out the invoiced amount from the electronic invoice payment exclusive account of the user company 12 on the payment date, and deposit it into the account of the storage institution 11 after processing.

Next, the flow of the entire processing will be described. As shown in FIG. 2, when the recording medium is brought in from the storing organization, the charge detail data distribution processing system according to the present invention reads the charge detail data of the electronic data stored in the recording medium. Enter (Step S1
1) Recognize the receiving organization, the financial institution, and the user company (step S12). And the recognized institution, financial institution,
The editing table is referred to based on the user company (step S13), the account transfer data is created for each financial institution to be processed by the financial institution (step S14), and continuously processed by the user company for each user company. The electronic billing / detailed breakdown data is created (step S15). Of the account transfer data created in step S14, it is checked for each user company whether there is a predetermined payment date, for example, two days after the payment date, that is, two days before the payment date. S16), if there is corresponding account transfer data, the fee is notified to the user company based on the account transfer data (step S17), and if there is no corresponding account transfer data, proceed to the next step. Of the electronic billing / detailed breakdown data created in step S15, a predetermined payment date for each user, for example, 10 days later is the electronic billing / detailed breakdown data of the payment date, that is, electronic billing / detailed breakdown data 10 days before the payment date. It is checked whether or not there is such electronic billing / detailed description data (step S18), and if there is corresponding electronic billing / detailed description data, the electronic billing / detailed description data is distributed (step S19). To do.

Next, the structure of data and tables will be described. FIG. 3 is a diagram showing a configuration example of charge detail data brought in from a storing organization, FIG. 4 is a diagram showing a configuration example of account transfer data, FIG. 5 is a diagram showing a configuration example of electronic billing / detailed breakdown data, and FIG. It is a figure which shows the structural example of an edit table.

FIG. 3 shows an example of the structure of the charge detail data relating to the telephone charge brought in from a certain telephone company, and its file structure has a management record and an invoice creation number as shown in FIG. 3 (A). Records 1, 2, ..., N,
It consists of company total records. Here, the management record is
It consists of data that has information such as the date of the delivery, the code of the sending company and the sending company, and the billing number record includes the telephone number, total amount billed, number of bills, financial institution, account,
It is composed of data having information such as payment address, call charge, and bill breakdown. The company total record is composed of data having information such as the destination, the total amount charged, and the number of charges. That is, the bill creation number record has a plurality of billing details for each telephone number, and the billing breakdown includes a breakdown code and a breakdown amount as shown in FIG. 3 (B). Figure 3 for telephone charges
Since it is classified into a large number of subject names such as the basic fee, wiring fee, telegram fee, and construction fee shown in (C), this is given as a breakdown code in the billing details. In the accounting of the user company, the expense code differs depending on these subjects, for example, basic usage charge, telegram charge or telephone call charge, so the breakdown code and its breakdown amount are necessary information for accounting processing at the user company. .

In contrast to the above charge detail data, the account transfer data of a certain financial institution uses a format consisting of a key part and a data part. The key part consists of a collection / delivery code, a company code, a type code, and a delivery reference date. As shown in FIG. 4A, the data section is composed of a header record, a plurality of data records, a trailer record, an end record, and a total record. As shown in FIG. 4B, the header record has information such as data classification, type code, creation date, transfer date, bank code, bank name, branch code, branch name, deposit item, account number, account name, etc. Each data record consists of data, as shown in FIG. 4C, data classification, inquiry number, transfer date, transfer result code, charge code, withdrawal amount, charge code, billing institution code, billing institution name, customer number. It is composed of data having information such as. On the other hand, in the trailer record, as shown in FIG. 4D, the data classification, the total number of cases, the total amount of money, the number of transferred cases, the transferred amount of money, the number of untransferable cases, the amount of untransferable cases, the total number of A cases, and the number of transferred cases of A , A non-transferable number, B total number of records, ........ The end record is information such as data division, total number of records, number of accounts, etc. as shown in FIG. 4 (E). 4F, the total record is composed of data having information on the data division and the total number of records as shown in FIG.

Further, as shown in FIG. 5, the electronic billing / detailed item data to be delivered to the user company includes billing amount, breakdown information and telephone number (meter number of electricity, gas, water, etc., leasing machine number, etc.). It consists of informational data. As mentioned above, for example, in the case of telephone charges, the cost item of the user company differs depending on whether the breakdown is basic charge, call charge or construction charge, but it is added as detailed information to electronic billing / breakdown detailed data is doing. As the breakdown information, for example, the call charge / basic charge is A, the telephone construction cost is B, the telegram charge is C, and the international call charge is AT.
If A is set as the communication cost, B is the construction cost, C is the entertainment cost, and T is the tax-free expense item, it can be processed as shown in FIG. 5 from the electronic billing / detailed breakdown data. . That is, in the case of the call charge / basic charge, the breakdown information is set to A as shown in FIG.
4111111 ”to“ headquarters operating expenses / finance department ”, and item information from“ A ”to“ communication expenses ”. Similarly, in the case of telephone construction costs,
As shown in FIG. 5 (B), by setting the breakdown information to B, as the account item of “headquarters operating expenses and finance department” and the expense item of “construction expenses”, in the case of telegram charges, FIG.
As shown in (C), by setting the breakdown information to C, as the expense item of the “headquarters operating expenses and finance department” and “communications expenses”, in the case of international call charges, FIG. 5 (D)
By setting the breakdown information to AT as shown in
"Headquarters operating expenses finance department" account, "communication tax exemption"
Can be treated as an expense item.

[0022] The charge statement data of each receiving institution is converted into the account transfer data of each financial institution, and the electronic billing / detailed statement data of each user is converted and edited to edit the account transfer data for each financial institution and electronic for each user. The editing table used to create the billing / detailed description data has editing data corresponding to each institution, financial institution, and user company, as shown in FIG. 6, for example. For the editing data, for example, when a recording medium is brought in from the storing institution and the charge detail data shown in FIG. 3 is read and input, the source of the charge detail data, the destination, the information of the financial institution, the storing institution of the editing table, the financial It can be read by referring to the institution and user company. Then, based on this editing data, the information in the data section shown in FIG. 4 is converted from the charge detail data shown in FIG. 3 and edited to create the account transfer data for each financial institution. Similarly, the charge amount, breakdown information, telephone number, etc. shown in FIG. 5 are converted from the charge detail data shown in FIG. 3 and edited to create electronic billing / breakdown detail data for each user.

FIG. 7 is a diagram showing an example of the structure of a payment date management data file. FIG. 7 shows an example of a payment date management data file used to manage billing data on a payment date basis.
Here, in the payment date management data file, the billing amount in each payment date unit for each account number is written. Such a payment date management data file is used, for example, in an account transfer processing unit corresponding to a financial institution. The billing amount is written when the recording medium is brought in from the receiving organization into the payment date column and the charge detail data is read and input.For example, when the system is started every morning based on the calendar, each contract is made before a predetermined business day. It is possible to read the billing amount of the person code and issue the account transfer data for each payment date. In this case, a total column may be provided for each type and for each institution, and the total may be calculated, and the total amount may be calculated, and the billing amount may be cleared when the bank transfer data for each payment date is issued. May be processed as follows. Further, before the predetermined business day, that is, for each day after the next business day, all the bank transfer data in payment date units may be created as required by an instruction.

The present invention is not limited to the above embodiment, and various modifications can be made. For example, each data, table, and the like shown and described in FIGS. 3 to 6 differ depending on the contents of the storing organization, the financial institution, the user company, the accounting system, and other conditions. In addition, the process data that is displayed and printed while receiving the charge detail data and transmitting the account transfer data is appropriately changed according to the management system of the institution.

[0025]

As is apparent from the above description, according to the present invention, there is provided a recording medium in which charge detail data including information on financial institutions and accounts relating to charges charged by a receiving institution and charge breakdown items is recorded. Input and convert the data into the account transfer data of the financial institution and the electronic billing / detailed statement data of the user company, edit the data, and add up the account transfer data for each predetermined payment date, or the electronic billing / detailed statement data. Since it is delivered to the user company according to a predetermined payment date, even a user company with many base offices can simplify the procedure of transferring public utility charges and payment approval. Moreover, since the invoices are delivered electronically, it is possible to send electronic invoices / detailed statements to dispersed business sites using the company's intranet or email for approval of payment. By including this information, it becomes possible to perform accounting processing by tax exemption and by expense / expense item. Further, since the funds of the dispersed business establishments can be centralized, it is possible to improve the efficiency of the funds, eliminate the waste of fund management, and save labor in clerical work.

[Brief description of drawings]

FIG. 1 is a diagram showing an embodiment of a charge detail data distribution processing system according to the present invention.

FIG. 2 is a diagram for explaining an overall processing flow of a charge statement data distribution processing system.

FIG. 3 is a diagram showing an example of the structure of charge detail data brought in from a storing organization.

FIG. 4 is a diagram showing a configuration example of account transfer data.

FIG. 5 is a diagram showing a configuration example of electronic billing / detailed breakdown data.

FIG. 6 is a diagram showing a configuration example of an editing table.

FIG. 7 is a diagram showing a configuration example of a payment date management data file.

FIG. 8 is a diagram for explaining an example of a conventional utility bill payment system.

FIG. 9 is a diagram showing a configuration example of a lump sum payment system.

[Explanation of symbols]

1 ... Charge detail data input section, 2 ... Editing table, 3 ...
Account transfer editing section, 4 ... Electronic billing / detailed statement editing section, 5 ...
Account transfer processing unit, 6 ... communication control unit, 11 ... storage facility, 1
2 ... Charge detail data distribution processing system, 13 ... Company using

─────────────────────────────────────────────────── ─── Continued Front Page (72) Inventor Kimio Handa 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu Construction Co., Ltd. (72) Toshiyuki Furuya 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu Construction company (72) Inventor Takeshi Hamamoto 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu construction company (56) Reference JP 9-325998 (JP, A) JP 7- 325874 (JP, A) JP-A-7-325871 (JP, A) JP-A-4-98362 (JP, A) (58) Fields investigated (Int.Cl. ⁷ , DB name) G06F 17/60 JISST file (JOIS)

Claims (3)

(57) [Claims] [Claim 1] A recording medium in which charge detail data including information about a financial institution or an account related to a charge charged by a storing institution and a breakdown item of the charge is recorded is input and information necessary for account transfer of the financial institution is input. It is a charge statement data distribution processing system that creates electronic billing / detailed statement data that includes information on the account transfer data and the breakdown item for each billing item, and distributes it to the user company. The data format is electronic data for each receiving institution. Written in
At least the registered destination, originator, contract number, and bill
Recording medium for charge detail data including information about financial institutions
Refer to the charge detail data input section that you enter from , and corresponding to each receiving institution, financial institution, and user company.
And the data format fee for each storage
Destination of detailed data, originator, charge type, billing breakdown,
From the information of the financial institution, the distribution code, company code, type code
Information regarding key transfer and account transfer
Account transfer data consisting of a data section with information, and billing
Electronic billing and breakdown with amount and breakdown information and contract number information
Has edit data for editing and creating detailed data
Edit table and the charge detail data entered from the charge detail data input section.
For each financial institution, refer to the editing table
The account transfer editing section that edits and creates the account transfer data , and the charge statement data input from the charge statement data input section.
For each of the users, refer to the editing table
An electronic contract that edits and creates the electronic billing / detailed breakdown data
Write the billing / detailed statement edit processing unit and billing data on a payment date basis for each user.
Has a payment date management data file to manage, and the payment date
Distribute the electronic billing / detailed breakdown data before the specified business day
Billing history data distribution processing system characterized by comprising a communication control unit for signal. 2. The charge detail data is a management record.
From multiple billing number records and company total records
The management record is at least the destination company code.
And the issuing company code information, and the invoice creation number
Issue records are at least the contract number, total billed amount, billed
A number, financial institutions, account, the information of multiple billing in the translation,
The company total record includes the destination, total billed amount, and billed item.
It has a number of information, and the billing breakdown is the breakdown code and the breakdown amount.
Billing history data distribution processing system according to claim 1, characterized in that it consists of. 3. The data section includes a header record and a duplicate.
Number data record and trailer record and end record
Header record
Is at least type code, transfer date, bank code, account
The charge statement data distribution processing system according to claim 1, characterized in that the charge statement data distribution processing system comprises: