JP4315409B2 - Calculation fee calculation system and collection and distribution fee calculation system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a system for calculating a fee for calculating cash or the like. The present invention also relates to a system for calculating a fee for collecting and distributing cash.
[0002]
[Prior art]
Financial institutions such as banks distribute money exchanges to customers and collect customer sales. The exchange money distribution is an operation of preparing cash or the like with a denomination designated by the customer for a refund (withdrawal) from the customer's account, and an operation of transporting the prepared exchange money to the customer. The collection includes the work of transporting the cash deposited from the customer to the bank (or the trustee who has been commissioned), the work of calculating the deposited cash, and the work of depositing the calculated cash etc. into the customer's account. It is. Conventionally, this collection and distribution transaction has been provided free of charge or with a fixed collection and distribution fee regardless of the amount of collection and distribution.
[0003]
Japanese Patent Application Laid-Open No. 7-141539 discloses a currency exchange apparatus that charges a currency exchange. In this conventional example, a method is employed in which the commission is sequentially increased in accordance with the exchange amount.
[0004]
[Problems to be solved by the invention]
In the above conventional example, in order to calculate the exchange fee according to the amount of money, when 10,000 yen is prepared for 1,000 yen coins and 10,000 yen is prepared for 10,000 yen bills However, the same fee will be charged, and the cost of the administrative burden of preparing exchange money cannot be reflected in the fee. In addition to exchange work, when including transportation, the weight of 10-yen bills and 1,000-yen coins is 1,000, so the weight varies depending on the denomination. The calculation workload and the transportation workload are different, and it is not possible to calculate a fee according to the workload of exchange money distribution.
[0005]
As for collecting money, for example, collecting money from a company that manages vending machines has more coins and weight than bills. In addition, in the case of a store such as a supermarket, cash calculation and verification by cash register (by bag) may be required.
[0006]
As described above, in the conventional example, an appropriate fee calculation mechanism corresponding to the work load of the collection and distribution fee has not been created. For this reason, the transaction is free or at a fixed amount.
[0007]
When the service fee is free or fixed, it is generally difficult to work with an incentive to adopt a mechanism for reducing the fee. In the example of the collection and distribution fee, if the fee is free or a fixed amount, the maximum exchange money is prepared, and the unused exchange money is handed together at the time of collection. In such a situation, the absolute amount of cash to be collected and distributed increases, and the cash distribution cost increases more than necessary. In addition, it is calculated for the preparation of exchange money, and the same cash is calculated by collecting money, which increases the administrative burden of the calculation.
[0008]
Thus, if the collection and distribution fee is free or fixed, the logistics cost of cash and the like increases, and the administrative burden of calculating cash and the like increases. However, since the collection and delivery of cash is a service in which various operations are combined, it is difficult to calculate a fee according to the work load and the distribution cost.
[0009]
Furthermore, even if the fee is calculated according to the amount of money collected, for example, a customer who is organized by type of coins and a customer who collects money with a mixture of coins have different collection and calculation procedures. If the basis of the calculation fee is the amount, the fee system has a low correlation with the administrative burden. In addition, although the amount is small, the distribution cost is reversed with the handling amount for customers who are mostly coins and customers who are mostly money but are mostly banknotes. As described above, when cash transport is evaluated as a physically existing item (paper or a small piece of metal), various difficulties arise in calculating the collection and distribution fee by amount.
[0010]
In recent years, cash processing machines that count a large amount of cash for each denomination, such as banknote depositing and dispensing machines described in JP-A-10-91846, are commercially available. By using this cash processing machine, it is possible to count the collected cash and the like and to count the cash to be withdrawn (for example, reserve for exchange) and store the counted data in a database. Such a cash processor counts the number of banknotes and coins inserted into the slot for each denomination. Then, the cash processing machine or the server connected to the cash processing machine collates the amount of money that has been counted for each denomination and the amount of money that is entered in the slip to be entered.
[0011]
It is conceivable to calculate the collection and distribution fee using a computer using the counting data counted by such a cash processing machine. However, a system for calculating a collection and distribution fee and a cash calculation fee using such count data is not known.
[0012]
In addition, in systematization of collection and distribution fees, it is also possible to store a monetary amount, weight, number of sheets, and special administrative processing burden, and calculate a fee individually, but such a system handles it Since the amount of data becomes enormous and various data input operations increase, the business processing burden increases.
[0013]
Furthermore, in the conventional example, not only cash collection and distribution, but also cash charges for ATMs of other banks, requests for transfers with large amounts of cash, etc., for work that requires a large administrative processing burden for cash preparation and calculation, individual fees are charged Even when trying to calculate, there was no fee calculation methodology that appropriately reflected the cost of calculating this cash.
[0014]
OBJECT OF THE INVENTION
  The present invention relates to a computer system.And dataIt is possible to calculate cash calculation fees according to various paperwork burdens while simplifying the configuration.CalculationThe purpose is to provide a fixed fee calculation system.
  The present invention also calculates a collection and distribution fee that appropriately reflects various paperwork burdens and logistics costs.And manage profitability of the collection and distribution businessIt is an object of the present invention to provide a collection and distribution fee calculation system that can be used.
[0015]
[Means for Solving the Problems]
  Claim1The present invention includes a count data storage unit, a unit price storage unit by mode, and a fee calculation unit.
  Count data storage is uniquely identified by CIF numberDepositTo your accountDepositOn the occasionDepositPayment with a personBy chanceTheDepositThe transaction date of the transaction, the CIF number,MoneyMake up cashBanknotes or coinsDenominationEveryNumber of sheets, The number of deposit slips that specify the deposit amount for each deposit transaction, and the number of registrations for changing the amount of deposit amountThe counting data having is stored.
  The unit price storage unit by mode isThe basic unit price of the deposit transaction is preliminarily determined in advance as the amount per banknote and the number of coins, and the banknotes or coins.This calculation methodThe groupWhether the increase or decrease of this unit price is applied or not, depending on the calculation mode specified in advance by each supplier for each supplierThe increaseAmount classificationAnd saidDepending on whether there is a reduction categoryEach of the above-mentioned bills and coins is increased at a predetermined increase rate for each increase category when there is an increase category and reduced at a predetermined reduction rate for each reduction category when there is a decrease category.unit priceUnit price by modeThe unit price data by mode is stored for each CIF number andCompleteNumber of gold slipsPer sheetA slip unit price, which is a predetermined unit price,AboveReceipt slipDeposit amountAnd countedDepositThe amount is differentThe amount changesMiscalculationPer timePre-stored uncalculated unit price, which is a predetermined unit priceTo do.
And the increase classification is a plurality of sachets in the one deposit slip, the amount of money for each sachet for each cash register or tenant of the business partner is compared with the amount of money in the sachet slip, There is a calculation category for each sachet that compares the total amount of money received in the sachet with the amount received in the receipt slip, and a calculation category at the collection destination where cash is collected at the collection destination at the time of collection. It is a sorted category when cash is organized,
The next business day payment category with the payment to the account as the next business day..
  When the fee calculation unit receives a fee calculation request in which the CIF number and the transaction period are specified, the fee calculation unit is included in the transaction period with the CIF number among the count data stored in the count data storage unit.DepositRead the transaction count data andThe total number of banknote denominations is totaled as the total number of banknotes, the total number of coin denominations is totaled as the total number of coins,Stored in the unit price storage unit by modeMultiplying the unit price of the banknote for the CIF number by the total number of banknotes to obtain a banknote fee, the coin of the CIF numberUnit price by modeMultiplying the total number of coins to give a coin fee, and adding the bill fee and the coin fee, the deposit for the transaction periodCalculate fee data.
  And this fee calculation partIsRead outWithin the trading periodReceipt slip for counting data of receipt transactionsOf the receipt slip that does not include the number of pouch slips.The total number of sheets stored in the unit price storage unit by modeFor the CIF numberThe slip processing fee data is calculated by multiplying the slip unit price, and the slip processing fee data isDeposit handThe slip processing fee addition function for adding to the fee data and the readWithin the trading periodOf counting data of deposit transactionsTotal the number of money changes,Stored in the unit price storage unit by modeFor the CIF numberMultiply the unit price by calculating the unit charge data and calculate the data, Deposit with the slip processing fee data addedAddition processing fee addition function to add to fee dataWhenWithThe fee calculation unit adds the bill fee data, the coin fee data, the slip processing fee data, and the miscalculation fee data, so that the counting data for each calculation mode is not required. Calculate the calculation fee for deposit transactions during the transaction period, Is adopted. Thus, the above-described problem is to be solved.
[0016]
The deposit to the account is, for example, deposit of collected cash or transfer with a large amount of cash. The withdrawal from the account is, for example, the distribution of money exchange, the loading of cash into an ATM of another bank, the preparation of cash for the cash loading, and the like. The term “deposit / withdrawal” includes three modes of deposit only, deposit only, deposit and withdrawal.
The denomination is a bill, a coin, a check, a gift certificate, other securities, or the like, and if it is a bill, it is of a cash type such as a 10,000 yen bill or a 5,000 yen bill. The handling unit for each denomination is, for example, one banknote and one coin if it is a deposit such as collecting money, and if it is a withdrawal such as money exchange preparation, it is a bundle (100 sheets) and a coin. It is a stick (50 sheets).
[0017]
In the present invention, the fee calculation unit calculates the fee based on the number of banknotes and coins, which are denominations of cash, instead of the total amount of cash and the like for collection and distribution. That is, the fee calculation unit calculates the fee based on the amount of cash for each denomination and handling unit based on the count data. Thereby, the handling which considered the weight and handling load for every denomination and handling unit, such as handling of a bill and handling of a coin, can be computed.
[0018]
Further, in the present invention, in order to reflect the fee increase due to various additional services and the fee decrease due to the customer's preparation to the fee, the fee of each item is added or reduced. Instead, the unit price of the denomination handling unit is increased or decreased based on the presence or absence of an increase category or a reduction category for each business partner. That is, the mode-specific unit price storage unit stores mode-specific unit price data predetermined as unit prices for handling units for each denomination, such as banknotes or coins, according to the mode of calculation of cash or the like designated by the depositor. Storing. By increasing or decreasing the unit price according to the business processing burden, etc., the system configuration can be greatly simplified, and the calculation of the fee by using the computer can be realized at a relatively low cost.
[0019]
For example, the number of bills and coins counted includes information regarding the size and weight of various paperwork burdens. In order to leave the size of the business processing burden in the database as data, it is necessary to handle counting data by business processing load or weight. However, in the present invention, the amount of paperwork and the weight of cash etc. are all reflected in the unit price, and the counting data is one collection transaction data for each collection and distribution transaction with one supplier (or supplier store). And storing only one currency exchange transaction data is sufficient. In the present invention, a fee that increases or decreases in accordance with the business processing burden or the like is calculated based on the count data based on the number of sheets and the unit price for each mode, with a simple system configuration.
[0020]
DETAILED DESCRIPTION OF THE INVENTION
<First Embodiment>
In 1st Embodiment, the system which calculates the commission regarding calculation of cash based on the count data counted by the cash processing machine etc. and the input count data is disclosed. FIG. 1 is a block diagram showing a configuration of a calculation fee calculation system according to the first embodiment. In the example shown in FIG. 1, when depositing / withdrawing into an account such as a deposit, the quantity in the handling unit for each denomination such as banknotes or coins constituting the deposit or withdrawal cash, etc. A unit price for a handling unit for each denomination such as banknotes or coins is determined in advance according to the counting data storage unit 12 that stores the counting data for each transaction and the mode of calculation of cash or the like specified by the depositor / withdrawer. A mode-specific unit price storage unit 14 for storing the mode-specific unit price data. “Payment / withdrawal” is an entity that deposits or withdraws (refunds) from an account and is a trading partner.
[0021]
Further, the calculation fee calculation system extracts the count data of transactions included in the period for which the fee is to be calculated from the count data stored in the count data storage unit, and cash in a handling unit based on the extracted count data. And a fee calculation unit 10 for calculating a calculation fee for cash and the like at the time of deposit / withdrawal based on the amount and the unit price by mode stored in the unit price storage unit by mode.
[0022]
The count data may be registered in the count data storage unit 12 via the terminal 1 for each transaction. Moreover, the cash processing machine 4 may be provided in the calculation fee calculation system, and data counted by the cash processing machine may be automatically stored in the count data storage unit 12 as count data. For example, the cash processor 4 counts the cash or the like input corresponding to the deposit slip for each denomination, and collates the count result with the deposit amount in the deposit slip. When preparing the money exchange with the cash processor 4, the cash corresponding to the withdrawal slip may be counted and carried out, and the count data may be stored in the count data storage unit. Further, the deposit may be counted by the cash processor 4 and the withdrawal may be prepared manually and the count data may be stored from the terminal 1.
[0023]
FIG. 2A is an explanatory diagram showing the relationship among denominations, handling categories, and unit prices. As shown in FIG. 2 (A), "denominations such as cash" are banknotes, coins, checks, gift certificates, other securities, etc. This is the type of cash such as yen bills. For example, in the case of deposit, the handling unit for each denomination is one for banknotes and one coin. For withdrawal, a bundle (100 sheets) for banknotes, a stick (50 sheets) for coins, and the like. When preparing fractions other than bundles, sticks, and bags for preparing exchange money for banknotes and coins, the number of fractions may be used as a handling unit.
[0024]
In the example shown in FIG. 1 etc., the unit price is set for each denomination and for each handling unit. And this unit price sets a different unit price for every mode of calculation. In the example shown in FIG. 2 (A), the customer A and the customer B have different unit prices because they have different cash calculation modes. For example, for depositing banknotes, one unit is 2.0 yen per handling unit, and for dispensing banknotes, one unit is a handling unit and 100 yen per unit. However, in the business partner B with a higher paperwork burden, the deposit of banknotes is 2.4 [yen / sheet] and the withdrawal of banknotes is 150 [yen / bundle]. The unit price of the business partner A is 0.5 [yen / sheet] for depositing coins, 20 [yen / piece] for metal coins, and 500 [yen / bag] for large bags. Since there are 50 sticks and 4,000 bags for 100 yen coins, 80 pieces are needed to prepare 4,000 sticks, so the calculation fee is 1600 yen. 500 yen for preparations in Japan. In this way, by setting the commission unit price for each handling unit, it is possible to calculate the commission according to the handling load regardless of the amount of withdrawal.
[0025]
As for withdrawals, a certain amount of money exchange pack with a plurality of denominations as a set may be used as a handling unit so that it can be used easily at a supermarket cash register.
[0026]
FIG. 2B is a diagram illustrating a definition example of handling units. In general, as shown in FIG. 2B, one bundle is 100 sheets, one bar is 50 sheets, and the number of bags is different depending on the denomination.
[0027]
FIG. 3 is an explanatory diagram illustrating an example of a calculation transaction according to the present embodiment. The provider of the calculation transaction is a financial institution 7 such as a bank, and the customer (payment / withdrawal) of the calculation transaction is a customer 5 such as a supermarket. In the calculation fee calculation system, the calculation fee is a fee mainly for calculation of cash and the like accompanying deposits and withdrawals from the account of the financial institution 7.
[0028]
Depositing into an account includes collecting money or transferring money in large amounts. At the time of depositing, the amount of cash delivered etc. must be compared with the amount of the deposit slip (or transfer request form). For this verification, the financial institution 7 calculates cash or the like (reference numeral 30). The financial institution 7 provides the customer with cash calculation work, deposit work to an account, and transport work (reference numeral 31). As shown in FIG. 3, the customer 5 gives the deposit slip and cash to the person in charge of the financial institution 7 (reference numeral 33). The financial institution 7 calculates the deposited cash, compares it with the amount in the deposit slip, and deposits it into the account of the customer 5.
[0029]
Withdrawal (refund) from the account includes exchange, distribution of exchange money, a large amount of cash preparation at the financial institution window, and cash loading into ATMs of other banks. At the time of withdrawal, the prepared cash and the like are collated with the withdrawal amount in the withdrawal slip or the account details. For this verification, cash and the like are calculated (reference numeral 35). The financial institution 36 delivers cash or the like to the business partner 5 and provides cash preparation work such as money exchange money, work for counting the fraction of money exchange, and transportation work (reference numeral 36). The business partner delivers the withdrawal slip (request) to the financial institution (reference numeral 37).
[0030]
There are various modes in such a calculation transaction. A mode in which the business processing burden increases and the unit price by mode is increased is referred to as an increase category. On the other hand, a mode in which the business processing burden is reduced and the unit price is reduced is referred to as a reduction category. For cash processing such as collection and distribution transactions of money collection and exchange money distribution, ATM cash loading, and a large amount of cash reserves, the calculation work of banknotes and coins occupies most of the paperwork burden (required time). For this reason, the unit price is increased / decreased according to the contents for handling a high processing load in common with all paperwork handling cash such as deposit / withdrawal and collection / distribution.
[0031]
The first category of the increase category 33 is a cash calculation by sachet by cash register or tenant. In the case of collecting money or depositing with a bag in a night safe, collation is performed by the amount in a small bag for each cash register or tenant. There is one deposit slip, which is one transaction, but cash handling and verification is performed for each sachet category. In this case, for example, 100% of the unit price for deposit calculation shown in FIG. 2 is added. If the basic unit price is 2.0 yen, it will be 4.0 yen.
[0032]
The second category of the increase category 33 is a cash calculation at the collection destination in the case of collection. In calculation transactions and collection transactions, a contract is made assuming that the amount counted by the financial institution is correct. Since the financial institution checks counterfeit bills and performs strict calculations, the collection destination does not calculate cash, and the financial institution (in the third embodiment, the outsourcer of the financial institution) Perform verification. And, in collecting money, it is received from a business partner in the form of a trunk or a collection bag, but there is a case where cash calculation at the collecting destination is required. In this case, a cash processor cannot be used for cash calculation, and it is handled and labor is required. In this case, for example, 50% of the unit price for deposit calculation is added. If the basic unit price is 2.0 yen, it will be 3.0 yen.
[0033]
The fourth category of the increase category 33 is a case where kana characters are required to be printed on the passbook. The deposit slip has a “summary” column for the bank to operate characters such as the store name of the customer 5 on the transaction ledger. If the business partner wants to enter characters in this summary column, the handling of the characters will increase if the number of input characters increases. In this case, for example, 50% of the unit price for deposit calculation is added.
[0034]
The reduction category 34 is a combination of whether or not the cash to be deposited is organized and whether or not the deposit to the account is made the next business day in the case of collecting money, and is divided into four categories. Even if the deposit with the arranged cash is the same amount, if it is arranged for each denomination, the cash calculation work is reduced, so the unit price by mode is reduced. In other words, the amount of cash that is brought in from a business partner will vary depending on the calculated number, but even if the deposit amount is the same 1,000,000 yen, With 000 sheets, the cash processing time differs greatly. For this reason, in the case of arranged cash, the cash calculation unit price is reduced. Accordingly, if the cash is arranged, the number of sheets is reduced and the unit price is also reduced, so the fee is greatly reduced. However, with this arranged cash, the cash processing time can be greatly shortened, so the commission can be reduced.
[0035]
Arranged cash is the minimum number of denominations from large denominations (within about 10 denominations other than 10,000 yen coupons), and when depositing a large amount of coins (4,000 or more) It means a state that is classified by species.
[0036]
In the next business day deposit process, the unit price by mode can be reduced for the following two reasons. First, the next business day deposit will result in leveling of the calculation work. Usually, the calculation must be completed and credited by the end of business hours of the bank on that day (for example, 15:00). However, since the time zone just before the end time is crowded with the deposit processing on the day, the bank wants to reduce the processing work of the time zone as much as possible. For this reason, if payment processing on the next business day becomes possible, calculation can be performed in the morning of the next business day without performing calculation on the day of collection day, and the calculation work is leveled.
[0037]
Second, in the case of collecting money, the next business day deposit will improve the utilization rate of the cash transport vehicle. Usually, the collected cash is deposited by the end of business hours at that time. For this reason, the afternoon collection must return before the end of business hours. However, if the deposit can be processed by the next business day, the collection vehicle can collect money after that without worrying about the end time, and the operating rate of the cash transport vehicle becomes high. In addition, it is possible to form a sufficient route for the operation route of the cash transport vehicle.
[0038]
For reduction categories, for example, a combination of arranged cash and next business day deposit, for example, a reduction of 20% for cash deposited on the day, a 40% reduction for cash arranged on the next business day, 30% reduction for unconsolidated cash received on business days.
[0039]
The first category of the calculation fee increase category 38 for withdrawals is rounding. Withdrawal of money exchanges, etc., as a handling unit, one banknote (100 sheets), coins with a bar (50 pieces) or large bag, with a handling unit that does not become a bundle, book or bag If there is, there will be an effort to create the denomination for that fraction. That is, in the case of a bundle or a bar, it can be counted visually by hand, but the fraction is counted using a cash processor. For this reason, if there is a fraction, the total cash processing time will increase. In this case, the fraction is rounded up or down to one bundle or bar to increase the unit price of the bundle or bar. The increase rate is, for example, 50% addition of the unit price.
Further, the handling unit of the fraction may be defined as a sheet, and the unit price per fraction may be added.
[0040]
The second category of the withdrawal increase category 38 is denomination communication on the day of distribution regarding the distribution of exchange money. Usually, by the morning of the business day before the distribution date, the denomination is received from the business partner 5 and a breakdown of the exchange denominations is created. In denomination communication on the day of the distribution day, it is necessary to create a breakdown of the day, prepare cash for that denomination, and deliver it, which affects the operation route of cash transport vehicles and other efforts. In this case, for example, 50% of the unit price is added.
[0041]
The withdrawal reduction category 38 is a transaction with a fixed amount of money exchange and a fixed denomination. In the case of daily transactions, in the case of fixed exchange money from Monday to Thursday and fixed exchange money on Friday (including exchange money for Saturdays and Sundays), it is not necessary to receive contact from business partner 5, and exchange money Can be fixed in advance, and can be incorporated as a reliable demand when the demand for cash is predicted. For example, the unit price is 20% subtracted.
[0042]
FIG. 3 shows an example of the increment and decrement categories of deposit (for example, collection) and withdrawal (for example, money distribution). However, the present invention is not limited to this. Various increase categories and reduction categories may be set according to demands and the like. In this case, for example, if the deposit slip is different from the actual deposit amount, it will be necessary to report miscalculation, correct correction of deposit, etc., and the handling load will increase, but this miscalculation is an exceptional process. Therefore, it is better not to increase or decrease the unit price for cash calculation, but to add a fee for the number of miscalculations. This calculation fee increase / decrease is based on the idea that when dealings related to increase / decrease in processing time and administrative processing burden are handled for each business partner, it is not an individual fee for the special handling, but an increase / decrease in unit price. .
[0043]
By increasing or decreasing the calculation type fee, the fee can be increased or decreased depending on the amount of handling units, and a quantitative fee can be calculated according to the amount and load of handling.
Further, the fee for each increase / decrease category is a little troublesome because the unit price of the fee changes according to the selection of the category. For this reason, the commission unit price may be calculated using the collection and distribution unit price calculation system according to the second embodiment.
[0044]
Referring to FIG. 1 again, the fee calculation unit 10 includes a deposit fee processing function 22 for calculating a deposit fee and a withdrawal fee processing function 28 for calculating a withdrawal fee.
[0045]
<Deposit>
As shown in FIG. 2, the unit price storage unit 14 for each mode stores the unit price for each deposit and the unit price for each banknote and the unit price for each coin. is doing. Then, the deposit fee processing function 22 refers to the denomination of the counting data about the deposit, and calculates the deposit calculation fee data based on the number of banknotes and coins, the unit price of banknotes, and the unit price of coins. A fee calculation function 16 is provided.
[0046]
This function 16 multiplies the number of deposited cash banknotes by the unit price of banknotes and multiplies the number of coins by the unit price of coins. And the deposit fee about a banknote and a coin is calculated by adding both. For example, if the banknote unit price is 2.0 [yen / sheet], the coin unit price is 0.5 [yen / sheet], and 5000 banknotes and 2000 coins, then the following formula is obtained. The deposit calculation fee is 11,000 yen.
[0047]
2.0 [yen / sheet] × 5,000 [sheet] +0.5 [yen / sheet] × 2,000 [sheet] = 11,000 [yen]
[0048]
Further, since the deposit processing is performed for each number of slips, the slip fee may be included in the deposit calculation fee. In this case, the deposit fee processing function 22 includes a slip processing fee addition function 18 that calculates the slip processing fee data according to the number of deposit slips and adds the slip processing fee data to the fee data. For example, if the voucher unit price is 20 [yen / sheet] and there are 10 calculation transactions in 10 days, this function 18 calculates the deposit calculation fee as 11,200 yen.
[0049]
11,000 [yen] +20 [yen / sheet] × 10 = 11,200 [yen]
[0050]
In addition, when the amount of money counted in the deposit slip is different from that of cash or the like, the deposit amount is corrected or the deposit amount described in the deposit slip is corrected. When this miscalculation occurs, the processing load increases and there is little statistical property to increase the unit price by mode. Therefore, a fee is individually added for the number of miscalculations. In this case, the deposit fee processing function 22 calculates the miscalculation processing fee data according to the number of the miscalculations when the amount specified in the deposit slip and the amount of the counted number of money types are not calculated. Function 20 is provided. The function 20 adds the miscalculation processing fee data to the fee data. For example, in the above example, when the number of miscalculations is one and the unit price is 100 yen / number of miscalculations, the following formula is obtained, and the deposit calculation fee is 11,300 yen.
[0051]
11,200 [yen] +100 [yen / number of miscalculations] × 1 = 11,300 [yen]
[0052]
As described above, in the example shown in FIG. 1, based on the counting data for each type of money and the handling unit and the cash calculation unit price set individually according to the cash calculation load, It is possible to calculate a fee that takes into account the number of cases and the number of miscalculations.
[0053]
<Withdrawal>
The withdrawal fee processing function 28 includes a withdrawal calculation fee calculation function 24. In this example, as shown in FIG. 2, the unit price storage unit 14 for each mode stores the unit price by mode for withdrawals for each handling unit such as a bundle, a rod, and a bag for each denomination. And the function 24 calculates commission data based on the counting data which counted cash etc. in the handling unit of the said money type, and the unit price according to the mode for each handling unit. For example, if the withdrawal banknote unit price is 100 [yen / bundle], the coin bar unit price is 20 [yen / book], 150 banknotes and 400 coins are dispensed, the following formula is obtained. The withdrawal calculation fee is 23,000 yen.
[0054]
100 [yen / bundle] × 150 [bundle] +20 [yen / book] × 400 [sheet] = 23,000 [yen]
[0055]
Further, when the withdrawal fee calculation function 24 has a fraction from the handling unit of the money type for the withdrawal count data, the fraction is rounded up or down to the unit number based on a predetermined fraction processing format. You may make it process. In the case of preparing a fraction, since the cash calculation unit price is increased in the increment category 38, the fee can be calculated based on the number of bundles, bars, etc. regardless of the number of fractions. In this case, for example, in the case of 10 bundles and 10 sheets, 11 bundles are used for rounding up processing, and 10 bundles are used for rounding down processing.
[0056]
With regard to this fraction processing, the unit price may be set without rounding up or down. In this example, when the withdrawal calculation fee calculation function 24 has a fraction from the handling unit of the money type for the withdrawal counting data, the fraction is calculated based on the fraction unit price previously determined for the money type such as cash. A fraction processing function 26 for calculating the minute fee is provided. The fraction processing function 26 multiplies the number of fractions by the fraction unit price and adds the amount to the withdrawal calculation fee.
[0057]
In the example shown in FIG. 1, there are a configuration for calculating only the fee for cash and other deposits, a configuration for calculating only the fee for cash and other withdrawals, and a configuration for calculating both the deposit and withdrawal fees. Including.
[0058]
In the above-described example, it has been described as a fee for calculating cash accompanying deposits or withdrawals in relation to the account of the financial institution 7. There are various examples of business including cash calculation as shown below. And since calculation of this cash is a high load part about various transactions, a calculation fee calculation system can be used for the following examples.
(1). A collection and distribution business in which a financial institution 7 (or a trustee who has been entrusted with a collection and distribution business from a financial institution) goes to a business partner 5 to collect and distribute cash. Part of the collection includes deposit processing, and part of exchange money distribution includes withdrawal processing. Therefore, the collection and distribution fee calculation system includes the calculation fee calculation system according to the present embodiment. The collection and distribution fee calculation system is obtained by adding a configuration for adding a transportation fee to the calculation fee calculation system.
(2). Cash deposits and withdrawals when a bank is in charge of cash flow from another financial institution (another bank). When depositing / withdrawing cash from / to other financial institutions, urgent responses and handling of increases in demand at certain times of the year (bonuses, year-end and New Year holidays, etc.) are classified as increased.
(3). Money exchange business at a bank window. This is because the business service company (BS), which is a bank-related company that has been outsourced, and the police company that is engaged in the transportation of cash, etc., prepares a breakdown of the exchange money and issues the exchange money to the bank window. Including the case of This exchange service fee calculation system is limited to the withdrawal of the calculation fee calculation system.
(4). Transfers in the case of a large amount of cash transfer at a bank counter. In this case, in addition to the foreign exchange fee, a cost related to cash calculation is charged. A transfer is a transfer to another person's deposit account, which is considered a kind of deposit to the account. In this case, the next business day transfer should be a reduction category.
(5). Banks, BSs, etc. load cash into other banks' ATMs (automated teller machines). In this case, in the calculation fee calculation system according to the present embodiment, an ATM cash replenishment transaction fee calculation system is provided by adding a function for withdrawing money and adding a charge for a loading operation and a transportation operation.
(6). Banks, BSs, etc. prepare cash to be loaded into ATMs installed at convenience stores, etc. and ATMs of credit companies. In this case, it is preferable to provide a function related to withdrawal of the calculation fee calculation system and set an increase / decrease amount category according to the form of denomination breakdown creation.
[0059]
In the above-mentioned example and claims 1 to 9 of the specification at the time of filing, “calculation” includes calculation by deposit and calculation by withdrawal. Hereinafter, in the disclosure taking the collection and distribution transaction as an example, counting the collected cash is referred to as “cash calculation”, the unit price is referred to as a cash calculation unit price, and the fee is referred to as a cash calculation fee. The exchange money is counted as “preparation for money exchange”, the unit price is called the exchange creation unit price, and the commission is called the exchange creation commission.
[0060]
<Delivery fee>
Next, the collection and distribution fee for the above collection and distribution business (1) will be described as an example. In collection and distribution, deposits and withdrawals are generally accompanied by deposits and withdrawals. However, since this embodiment can also be applied to collection and distribution services by BSs and police companies that are not trustees of financial institutions, Deposits and withdrawals to the account are not required.
[0061]
The collection and distribution fee is the sum of the collected cash calculation fee, the exchange creation fee, and the transportation cost. FIG. 4 is a block diagram illustrating a configuration example of the collection and distribution fee calculation system according to the present embodiment. In the example shown in FIG. 4, the collection and distribution fee calculation system counts, for example, cash entered for each slip of the collection transaction with the customer, and the amount of exchange money for each exchange transaction with the customer. Is entered in the handling unit of the denomination or is provided with a cash processor 4 for registering the counted data. In the example shown in FIG. 4, cash is calculated (counted and verified) by the cash processor 4. The amount of exchange money preparation and the quantity in the handling unit may be input from the terminal 1 or may be counted by the cash processor 4. When the customer is the customer 5 or the customer store 7 and the provider of the collection and distribution transaction is a bank, the customer is an account and the customer is a cashier.
[0062]
The collection and distribution fee calculation system further collects the collection data registered for each denomination such as banknotes or coins by the cash processor 4 and the exchange data counting data for each handling unit for each customer and collection. Or, the counting data storage unit 12 that stores for each transaction of exchange money distribution, the cash calculation unit price data that is predetermined for each denomination according to the mode of cash calculation accompanying the money collection transaction and the load of work, There is provided a unit price data storage unit 40 that stores currency exchange creation unit price data that is predetermined for each cash handling unit in accordance with the mode of exchange money preparation accompanying the money exchange transaction and the load of the number of transactions. The cash calculation unit price data and the exchange creation unit price data are the unit price shown in FIG.
[0063]
The collection and distribution fee calculation system further includes a cash calculation fee calculation unit 48 that calculates cash calculation fee data based on the collection data and the cash calculation unit price data, The exchange creation fee calculation unit 50 that calculates the exchange creation fee data based on the data, and the transportation cost data calculated based on the number of transportation personnel to the collection and delivery destination location of the customer and the unit time data of the transportation time and the transportation cost are read out And a transportation cost data reading unit 52. The central processing for calculating the cash calculation fee and the exchange creation fee is the same as the calculation fee calculation system shown in FIG. The transportation cost may be calculated individually based on the transportation personnel and the required time and stored in the transportation cost data storage control unit 46, or for example, transportation for one month based on the average for one month. Cost data may be stored. The transportation cost data reading unit 52 reads the transportation cost data for each customer.
[0064]
The collection and distribution fee calculation system calculates the collection and distribution fee by adding the cash calculation fee data, exchange creation fee data, and transportation cost data, and generates invoice data for the customer. 54.
[0065]
The collection / distribution fee calculated by the system shown in FIG. 4 is a fee based on a completely pay-as-you-go system because it is a fee based on the counted or registered denominations and the counting data for each handling unit. On the other hand, in the second embodiment, an example of a semi-fixed collection and delivery fee is disclosed.
[0066]
When a customer has a branch for each region, a branch in each region such as a financial institution or a trustee conducts a transaction. FIG. 5 is an explanatory diagram showing the relationship between a transaction store 8 (branch) of a financial institution and a customer store 6 (branch) of a customer. The transportation cost is determined according to the required travel time or distance from the transaction store 8 to the corresponding customer store 6. When a financial institution provides a collection and distribution transaction, generally, the accounts used by the branches 6A, 6B,... Of the business partner 5 are in the business stores 8A, 8B,. In the collection and distribution transaction, the deposit / withdrawal is made from the account of the store 8B. Moreover, in order to reduce the fund management burden of the business partner 5, one business partner account 6 may be used, and each business partner store 6A, 6B,...
[0067]
In the example shown in FIG. 5, when each business store 8A, 8B,... Issues a bill to each business partner store, the main business store 8A collects the bills of each business store 8B, 8C,. There is a case where an invoice is issued to the supplier store 6A (or the supplier 5). This difference is managed as a billing destination section in the example shown in FIG. FIG. 5 (A) is a diagram showing an example of invoicing issued by a billing party designation by a supplier store, and issues individual invoices as indicated by arrows in the figure. FIG. 5 (B) is a diagram showing an example of invoicing by the billing party classification designated by the main customer store, and issues a batch bill from the main customer store 8A to the main customer store 6A.
[0068]
When this customer 5 has a plurality of customer stores 6 and changes the form of issuing an invoice according to the billing destination classification, the collection and distribution fee calculation system shown in FIG. And a supplier store data storage unit 44.
[0069]
The supplier data storage unit 42 includes a CIF number that uniquely identifies a customer who is a customer, a store number of a main transaction store 8A that provides a money collection and distribution transaction to the customer 5, and an invoice for the customer 5 And a billing party classification for specifying the issue form. A CIF (Customer Information File) number is a number that individually identifies a customer, and in the case of a bank, is a number that specifies an account holder. The billing party classification is specified for each business partner.
[0070]
The business partner store data storage unit 44 provides a business partner store identification number for identifying the business partner store 6 for the business partner store 6 that is a branch of the business partner 5, and a business store that provides the customer store 6 with a money collection and distribution transaction. Stores customer store data having 8 store numbers. The customer store identification number may be a store number account number of the customer store 6 in the customer store 8 corresponding to the customer store 6 in addition to an individual number. When the customer store 6 has an account with the name of the customer store 6 (for example, Super A Party A), the customer store 6 may have a CIF number different from that of the customer A Super A. The customer store identification number or the corresponding store number account number is used instead of the customer store 6 CIF number.
[0071]
In this example, the invoice data generation unit 54 includes an invoice issue function 56 for each store and a main store invoice issue function 58. The invoice issuing function 56 for each business partner, when the business partner store designation is stored in the business partner data storage unit 44 as the billing destination category, each business partner 8 is used as the invoicing issuer for each business partner store. Each fee is calculated based on the counted data and each unit price of the supplier 5. FIG. 6A shows an example of an invoice specified by a supplier store. In the example shown in FIG. 6 (A), the customer 5 is Super A, the customer store 6 is the Super A Party A, and the customer store of the Party A is the Bank A branch.
[0072]
The main store invoice issuance function 58, when the main business store designation is stored as the bill destination in the business partner data storage unit 44, the main store 8A as the invoice issuing entity, The other count data is totaled for all the customer stores of the customer 5, and each fee is calculated based on the total counted data and each unit price of the customer 5. FIG. 6B shows an example of an invoice designated by the main customer store. In this example, the fees of Super A's A branch, Otsu branch, and Sakai branch are totaled, and the main transaction store XX bank head office is set as the issuer for the transaction partner 5 (main transaction store 6A).
[0073]
Banks generally calculate profit data by individual company using CIF numbers as a unit. If the provider of the collection and distribution transaction is a bank, it is desirable to reflect this collection and distribution transaction in profits by individual company. However, in the conventional example, although it is possible to quantitatively grasp the paperwork burden in the entire financial institution, there is no mechanism for calculating the paperwork burden for each individual company (by CIF number). In other words, it was difficult to know the breakdown of the business processing burden of each financial institution by customer. In addition, if you do not use a cash machine, entering all the count data from daily handling into a computer only increases the burden of paperwork, so the costs associated with collection and distribution transactions are individualized. It was practically impossible to calculate.
[0074]
Referring to FIG. 4 again, the server 9 includes a data transmission control unit 64 connected to the accounting system 65 and the information system 66. The account system 65 manages deposits and withdrawals from the account of the customer 5 and settlement between the customer 5 and the financial institution. The information system 66 manages registration of information such as group name identification of customer companies, profit data for each company, and the presence / absence of a money collection and distribution transaction. The collection / distribution fee calculation system includes the data transmission control unit 64, so that firstly, deposit / withdrawal data of the amount to be collected / distributed can be transmitted / received to / from the accounting system 65, and secondly, the collection / distribution fee The settlement data can be transmitted / received to / from the accounting system 65, and thirdly, the data that becomes the profit factor for each company can be transmitted / received to / from the information system 66.
In this embodiment, the customer 5 is identified by the CIF number, and the customer store 6 is assigned an individual number, and the collection and distribution fee is calculated and billed. Profits and costs related to transactions can be registered in individual company profit data. The server 9 totals the count data for each business partner store for all the business partner stores of the business partner 5, and calculates the collection / delivery cost required for the money collection / delivery transaction with the business partner 5 based on the count data of the business partner 5. The information system 66 through the data transmission control unit 64 uses the calculated cost calculation unit 60 according to the counting data, the fee charged to the business partner 5 and the collection / delivery cost calculated by the cost calculation unit 60 according to the counting data as the collection / distribution profit data. And a collection / distribution profit data storage control unit 62 for controlling to store data.
[0075]
In the present embodiment, the cash calculation unit price data and the exchange creation unit price data set the unit price corresponding to the business processing load and the time required for the processing in the increase category and the decrease category, similarly to the unit price by mode shown in FIG. . The increased or decreased unit price includes a cost and a profit. Therefore, the cost of the collection and distribution transaction can be calculated based on the count data for each denomination and handling unit. For this reason, the cost calculation unit 60 for each count data calculates the collection / delivery cost required for the collection / delivery transaction with the customer 5 based on the count data. For example, by setting the cost unit price for the cash calculation unit price and the exchange creation unit price set for each business partner 5, the cost can be calculated by the same mechanism as the fee calculation.
[0076]
FIG. 6C is an explanatory diagram showing an example of profit data by individual company. In the example shown in FIG. 6C, the profit on deposit and lending, the exchange fee, and the collection and delivery profit can be examined for each company. In this case, since the CIF numbers are aggregated as a unit, transactions provided for each supplier store 6 can be aggregated and handled. In this way, if profit or loss of collection and distribution transactions can be recorded in profit data by individual company, non-interest income or ratio of non-interest income to operating profit can be calculated for each individual company.
[0077]
Further, when the business partner 5 or the business partner store 6 has an account at the business partner store 8 and settles the billing amount corresponding to the billing destination category by account transfer, the transfer amount is read from the account system, and the information system It can also be automatically registered in the system 66. In this case, the collection / distribution profit data storage control unit 62 makes a transfer amount from the account of the customer 5 (main customer's store 6A) in the main customer's store 8A according to the billing to the customer 5, or each customer's store 6 In response to the request, the customer 5 has a function of registering in the information system 66 as a fee charged to the customer 5 for the total amount transferred from the account of the customer 6 at the customer 8 at the customer 5. This can further reduce the burden of paperwork.
[0078]
In addition, when the profit data by individual company is registered in the customer information management system, etc., and a cross-sectional search is possible, for example, a list of business partners 5 who have gained or lost in the collection and distribution transaction, collection and distribution transaction, etc. It is also possible to search for a list of business partners 5 that do not cover the profits and losses in the market with operating revenue.
[0079]
FIG. 7 is a flowchart illustrating a configuration example of the collection and distribution fee calculation method according to the present embodiment. In the example shown in FIG. 7, among the various processes from the start of a collection and distribution transaction to the issuance of an invoice, the processes that are the points are connected in time series. In order to start a collection and distribution transaction, first, for registration of initial data, a unit price is registered according to the mode of cash calculation in the transaction. For example, when calculating by small bag (step S1), the unit price is increased (step S2). In addition, the unit price is set according to the increase category and the decrease category shown in FIG. The cash calculation unit price data and the exchange creation unit price data are stored in the unit price data storage unit 40 (step S3, supplier unit price storage process).
[0080]
Subsequently, when the actual transaction is started, the cash collected from the supplier store 6 is counted by the cash processor 4. At this time, when carrying out the calculation for each sachet (step S4), the payment amount in the sachet slip is verified for each sachet (step S5, verification process for each sachet). Subsequently, the number of cash banknotes and coins calculated in the small bag matching process S5 is summed and stored as one count data (step S6, total processing process). Step S5 is a split deposit process using a small bag slip, and step S6 is a slip process using this slip.
[0081]
On the other hand, in the case of normal deposit, each time the money is collected, the number of collected cash banknotes and coins is counted and the count data is registered in the count data storage unit 12 (step S7, count data storage step). ). For each collection and distribution transaction, the collected cash count data and the distributed exchange count data are stored in the count data storage unit 12.
[0082]
When a billing request for a certain period such as monthly is input by operating the terminal 1 or the like, the counting data that is the number of the bills and coins as the fee for the collection transaction, The cash calculation fee is calculated based on the cash calculation unit price data (step S8, fee calculation step). Further, the exchange creation fee is calculated based on the exchange creation unit price data for each business partner and the count data. Subsequently, an invoice is issued to the business partner 5 with reference to the billing party classification.
[0083]
As described above, according to the present embodiment, the calculation of cash associated with deposits and withdrawals, the calculation of cash collected due to collection and distribution, and the fee for creating exchange money are calculated according to the burden of paperwork and the amount handled. can do.
[0084]
Second Embodiment
In the second embodiment, a collection and distribution fee unit price calculation system for calculating a unit price according to an increase category or a decrease category is disclosed. In the second embodiment, when a fee related to a customer (business partner) and a collection and distribution transaction is determined, the relationship between various options and the fee can be immediately specified. In addition, even when the fee is not a strict number of bills or coins but the fee is semi-fixed based on the average of the actual values, the unit price and the collection and distribution fee can be calculated using the system according to the present embodiment. Furthermore, when a collection and distribution transaction is newly introduced, a fee simulation system according to the selection of the predicted quantity and the increase / decrease amount category is provided. This collection / distribution fee calculation system may be realized by, for example, a notebook personal computer, and may be used for value determination with the business partner 5, budget management of the business partner 5, or the like.
[0085]
FIG. 8 is a block diagram showing a configuration example of a collection and distribution fee unit price calculation system according to the second embodiment. As shown in FIG. 8, the collection and distribution fee unit price calculation system according to this embodiment stores a basic unit price storing a basic unit price registered in advance for each denomination of cash such as banknotes or coins and for each handling unit of denominations. Unit 70, the basic unit price increase rate for each increase category 33 for sachet calculation etc. registered in advance for the collection transaction, and the basic unit price for each reduction category 34 for next business day payment, etc. registered in advance for the collection transaction. A collection unit price increase / decrease rate storage unit 72 that stores the reduction rate of the distribution unit, and a distribution unit price increase rate storage unit 74 that stores an increase rate for each increase classification 38 such as fraction creation registered in advance for the money exchange transaction. I have. The increase category and the decrease category are the same as those shown in FIG.
[0086]
The collection and distribution fee unit price calculation system further displays an increase category 33 and a decrease category 34 of the collection transaction and an increase category 38 of the exchange money distribution transaction, and further increases or decreases the basic unit price according to the selected category. A fee is calculated based on the unit price calculation unit 76, the number of units handled for each type of money collection transaction, the number of units handled for each type of money exchange transaction, and the unit price calculated by the unit price calculation unit by category. And a fee calculation unit 78. The denomination and handling unit are the same as those shown in FIG.
[0087]
In the configuration shown in FIG. 8, the collection and distribution fee unit price calculation system includes a display 82 for displaying a user interface (for example, FIG. 9), an input unit 81 for inputting various parameters, and selecting an increase / decrease amount category. And a medium reading unit 11 for reading data stored in the recording medium 11A. The collection / distribution fee unit price calculation system can be realized by the CPU of the computer executing the program for the collection / distribution fee unit price calculation system. This program can be stored in the recording medium 11A, transferred to a computer, and introduced.
[0088]
FIG. 9 is an explanatory diagram illustrating an example of an input / output screen according to the second embodiment. In the example shown in FIG. 9, the transportation cost, the cash calculation fee, and the exchange creation fee are calculated. Then, in order to calculate the cash calculation fee and the exchange creation fee, the unit price for each denomination and for each handling unit is calculated based on each of the increase categories 33 and 38 and the decrease categories 34 and 39. In the example shown in FIG. 9, the exchange creation fee reduction category 39 is not adopted.
[0089]
As shown in FIG. 9, the user of the system according to the second embodiment relates to the transportation cost (2 persons), the average required time (30 minutes) from the transaction store 8 to the transaction store 6, and the collection and distribution regarding the transportation cost. Enter the number of times (21 times). In the case of weekdays every day, the number of times of collection and distribution is 21. Then, the transportation cost is calculated as 47,250 yen according to the formula shown in FIG.
[0090]
Regarding the cash calculation fee, first, the basic unit price is registered as a slip 10 [yen / sheet], a check 10 [yen / sheet], and an uncalculated 100 yen / uncounted number. There is no increase / decrease in these categories. The bill unit price is registered as 2.0 [yen / sheet] and the coin unit price is registered as 0.5 [yen / sheet]. When the user selects an increase category for the collection transaction, the increased banknote and coin unit price are calculated based on the increase rate. Here, calculation by small bag is selected, and the unit price of banknotes is changed to 4.0 [yen / sheet] by adding 100%, and the unit price of coins is changed to 1.0 [yen / sheet]. Further, the user selects a reduction category. Here, the next business day deposit is selected with unsorted cash. Then, 30% is subtracted, and 30% is subtracted from the unit price after the increase. As a result, the cash calculation unit price is 2.8 [yen / sheet] for banknotes and 0.7 [yen / sheet] for coins. .
[0091]
In addition, the user collects the amount of collected money as the amount per collection transaction, such as slip (2 sheets), check (1 sheet), miscalculation (0 cases), banknotes (260 sheets), coins (340 sheets). input. Multiplying this amount by the number of times of collection and distribution, then multiplying and adding each unit price, the cash calculation fee can be obtained.
Here, it is 20,916 yen.
[0092]
Regarding the exchange creation fee, the basic unit price is set as a bill bundle 100 [yen / bundle], a coin bar 20 [yen / book], and a coin large bag 500 [yen / bag]. The user selects an increase category. Here, creation of fractions of banknotes is selected. Then, the exchange creation unit price after the increase is a banknote bundle 150 [yen / bundle]. If you enter 4 bundles of banknotes, 19 coin bars, and 1 large coin bag as the amount per exchange money distribution transaction, multiply the number of collection and distribution, multiply each unit price, and add the result , You can ask for the exchange creation fee. Here, it is 20,780 yen. Accordingly, the collection and distribution fee is an amount obtained by adding the transportation cost, the cash calculation fee, and the exchange creation fee, and here, it is 88,946 yen.
[0093]
The combination of increase / decrease amounts shown in FIG. Super A selects the calculation according to small bags as the increase category 33 of the cash calculation, and selects the next sales department deposit with unsorted cash as the decrease category 34, and the banknote unit price is 2.8 yen and the coin unit price is 0.7 yen. If the creation of fractions of banknotes is selected as an increase classification for exchange creation, the banknote bundle unit price is 150 yen, coin bar 20 yen, and coin large bag 500 yen.
[0094]
In Super B, it is assumed that the average required time is 20 minutes. Then, the transportation fee is 31,500 yen. Assume that the calculation by sachet is an increase classification 33 for cash calculation, and that the reduction classification 34 is 0% on-the-day payment and unsorted cash. In this case, the unit price is 4.0 yen for bills and 1.0 yen for coins.
[0095]
In the vending machine management company C, the average required time is 35 minutes. In this case, the transportation fee is 55,125 yen. There is no selection of the increase category 33 for cash calculation, and when the same-day cash payment is selected as the reduction category 34, the unit price is 1.6 yen for banknotes and 0.4 yen for coins.
[0096]
In restaurant D, it is assumed that the average required time is 15 minutes. In this case, the transportation fee is 23,625 yen. Assuming that the slip application Kana input is selected as the increase category 33 for cash calculation, and that the decrease category 34 is the same day deposit and unsorted cash, the unit price after the increase / decrease is 3.0 yen for bills and 0.75 yen for coins.
[0097]
As described above, when the collection and distribution unit price calculation system according to this embodiment is used, a unit price corresponding to various combinations of increase / decrease amounts can be obtained. Furthermore, the collection / delivery fee can be calculated by inputting the amount per collection / delivery transaction or the amount per month. For this reason, the customer 5 can request a collection and distribution transaction that examines the mode and amount of the collection and distribution transaction that the customer 5 needs. A certain customer 5 may make a determination that the exchange money necessary for the next business day is counted from the cash of sales, or may make a determination to arrange cash. On the other hand, when cash processing by the personnel inside the business partner is difficult, the amount and calculation mode of the collection and distribution transaction can be selected according to the amount of the fee.
[0098]
Thus, the collection and distribution unit price calculation system according to the second embodiment is a collection and distribution transaction fee simulation system for the business partner 5. In addition, as disclosed in the first embodiment, a semi-fixed system can be adopted in addition to a full pay-as-you-go system that calculates a collection and distribution fee based on daily count data. The semi-fixed system is a mechanism in which, for example, an average amount is calculated based on the results of six months of collection and distribution transactions, and the collection and distribution fee is fixed based on the average amount. In the case of the semi-fixed system, there is no need to register and confirm the amount for each bill when the collection and distribution fee is paid by account transfer. Further, it becomes easy for the business partner 5 to make a forecast of future budget allocation and the like. In the case of performing a semi-fixed collection and distribution transaction, the collection and distribution unit price calculation system according to the second embodiment can be used to input the amount for each denomination and handling unit and calculate the collection and distribution fee.
[0099]
<Third Embodiment>
In the third embodiment, a system suitable for a case where a financial institution outsources transportation of cash and calculation of cash to a BS, a police company, or the like is disclosed. For example, a bank contracts with a business partner 5 for a collection and distribution transaction, and entrusts the trustee to execute the collection and distribution transaction. The trustee is a BS or a police company, and performs cash raising, calculation, transportation, etc. of actual cash. The bank registers deposits and withdrawals by operating the terminals of the accounting system 65.
[0100]
A collection and distribution fee calculation system according to the third embodiment calculates a business commission fee for a financial institution from a BS or a police company, and calculates a collection and distribution fee from a financial institution to a customer. Regarding billing of the collection and distribution fee and the business commission fee, as in the first embodiment, an invoice is issued at the customer store 6 or the main customer store 6A according to the designation of the billing destination category.
[0101]
FIG. 10 is a block diagram illustrating a configuration example of a collection and distribution fee calculation system according to the third embodiment. The collection and distribution fee calculation system according to this embodiment includes a server 83 and a database 84. The database 84 is provided from the various masters that store predetermined data for each type, and from the transaction store 8 that is a branch of the financial institution 7 to the customer 5 (or the transaction store 6) that is a customer of the financial institution. A transaction data file that counts or inputs a quantity for each handling unit of banknotes or coins such as cash to be deposited and withdrawn in connection with a collection and distribution transaction. As shown in FIG. 10, the database 84 includes a transaction store master 108, a transaction partner master 112, a transaction store master 114, a cash calculation unit price master 116, and a currency exchange creation unit price master 118.
[0102]
FIG. 11 is an explanatory diagram showing the relationship among the BS 130 that receives business consignment, the transaction store 8, and the transaction store 6. The relationship between the billing source and the billing destination at the customer 5 and the financial institution 7 is the same as the relationship shown in FIG. Here, the BS 130 charges a business commission fee to each business partner when the business partner store is designated, while the business commission fee for each business partner is totaled when the main business partner store is designated. Charge the main dealer.
[0103]
FIG. 12 is an explanatory diagram showing example items of various masters.
The supplier master 112 collects transactions of each customer store 6 or each customer store 6 as a billing destination for the customer 5 by using the CIF number uniquely identifying each customer 5 of the collection and distribution transaction as a primary key. The billing party classification for designating the main trading partner store 6A, the main trading partner store identification number for identifying the main trading partner store 6A when the billing party classification is the main trading partner store 6A, and the trading partner 5 The cash calculation unit price and the unit price number for specifying the exchange creation unit price, which are increased or decreased from the basic unit price in advance according to the load of the collection and distribution transaction, are stored. As shown in FIG. 12 and the like, the unit price number may be a number common to the cash calculation unit price and the exchange creation unit price, or may be attached separately. The supplier store identification number may be the store number account number of the supplier store 6. The supplier master 112 stores supplier 5 kanji names and kana names. FIG. 13A shows an example of an input screen corresponding to the supplier master 112.
[0104]
The store master 108 uses the store number for identifying the store 8 having an account of one or a plurality of customer stores 6 which are branches of the customer 5 of the money collection / distribution transaction as a main key for the collection / delivery operation of the transaction store 8. The unit price that specifies the unit price of the outsourcing fee from the trustee of the BS or police company, etc. that has been outsourced from the financial institution 7 to the dealer 8 for each denomination and handling unit of the cash to be transported, and the BS If there are a plurality of IDs, the service center ID (for example, the trustee ID), the Kanji name of the store 7 and the Kana name are stored. The Kanji name of the transaction store 7 is, for example, XX Bank Kou Branch.
[0105]
The customer store master 114 uses the customer store identification number that identifies the customer store 6 in the customer 5 as a main key, and determines the customer store 8 that has the CIF number of the customer 5 and the account of the customer store 6. Stores the store number to be identified, and the store number, subject, and account number of the account at this transaction store 8. FIG. 13B shows an example of a registration screen corresponding to the supplier store master 114. Further, the supplier store master 114 indicates a fee necessity flag indicating whether or not to charge a collection and distribution fee, a necessity flag indicating whether or not to input kana in the description, a type of book entry, and the like. You may make it store a book classification.
[0106]
The cash calculation unit price master 116 uses the unit number as a primary key, and the handling unit is increased or decreased according to the presence or absence of an increase / decrease classification that specifies the load of the collection transaction for the collected collection transaction in the collection transaction. Each and the cash calculation unit price for every denomination, such as a bill unit price and a coin unit price, are stored. For example, in the example shown in FIG. 12, the bill unit price, the coin unit price, the slip unit price, the check unit price, and the uncalculated unit price are registered as the cash calculation unit price. In the example shown in FIG. 14A, the unit price of banknote with unit number 001 is 2.8 yen. For example, if the cash calculation unit price of Super A in the second embodiment is unit price number 001, 0.7 yen is registered as the coin unit price. Registration is also made for the unit price of the slip. Then, 001 is registered as a unit price number in the supplier master 112. If there is a customer 5 who adopts the same unit price combination as Super A, the unit number is also 001. Thus, the cash calculation unit price master 116 stores the number of cash calculation unit prices corresponding to the number of combinations of the increase / decrease amount categories of the collection transaction for each unit number.
The unit price number for cash calculation and exchange creation was set to simplify handling of the commission unit price, but instead of creating the unit number, each unit price may be registered directly to the supplier master for each denomination type. Good.
[0107]
The exchange creation unit price master 118 has a unit number as a key, and the cash distributed in relation to the money exchange transaction among the money collection and distribution transactions depends on whether there is an increase / decrease amount category that identifies the load of the money exchange transaction. The exchange creation unit price for each handling unit and denomination such as banknote bundle unit price, coin bar unit price, bag unit price, etc., increased or decreased is stored. For example, a banknote bundle unit price, a coin bar unit price, and a coin large bag unit price are stored. When the fee is added by the number of fractions, the unit price of the fractional number is also registered. In the exchange creation unit price master 118, the number of exchange creation unit numbers corresponding to the number of combinations of the increase / decrease amount divisions of the exchange money distribution transaction is registered as in the cash calculation unit price master. For example, in the example shown in FIG. 14B, the unit price of the coin bar is set to 20 yen as the unit price number 001.
[0108]
Further, the unit price of the business commission fee is registered in the cash calculation unit price master 116 and the exchange creation unit price master 118 as a kind of commission unit price. The unit number of the business commission fee is stored in the unit number of the store master 108.
[0109]
Since the transportation cost is a fee determined in advance for each business partner store 6, the transportation cost may be registered in the business partner store 6 master or the like. When calculating transportation costs individually, it is preferable to create a transportation cost master for registering the transportation cost items shown in FIG. Further, when the amount of cash handled in the money exchange transaction is manually input and the transportation cost is also an input item, the item of transportation cost may be provided in the money exchange transaction data file 122. .
[0110]
Referring to FIG. 10 again, the database 84 includes a collection transaction data file 120 for storing the number of denominations such as cash and coins handled in the collection transaction and the number of handling units for each collection transaction, and exchange money. An exchange transaction data file 122 is provided that stores the number of denominations such as cash handled in the distribution transaction and the number of handling units such as bundles, sticks, and bags for each exchange transaction. The definition of denomination and handling unit is the same as in the first embodiment. The count data in the first embodiment is referred to herein as collection transaction data and exchange transaction data.
[0111]
As shown in FIG. 10, the server 83 is connected to the terminal 1 via the network 3 and executes extraction and calculation of data stored in various masters and transaction data files in response to requests from the terminal. The server 83 includes a fee calculation unit 85, a billing destination-specific bill issue control unit 86, and a business commission fee calculation unit 88.
[0112]
The fee calculation unit 85 requests the collection / distribution fee from the financial institution to the customer 5 for the period in which the transaction period such as daily, monthly or annual, the CIF number, and the supplier identification number are designated. When a certificate issuance request is received, a cash calculation fee and exchange creation fee are calculated. The calculation of this fee is, firstly, for each business partner store 6, from the transaction data stored in the collection transaction data file 120 and the exchange transaction data file 122, the money recorded in the transaction data for the specified transaction period. Extract quantities in seeds and handling units. Second, the cash calculation unit price and the exchange creation unit price of the business partner 5 including the business partner store 6 are specified from the business partner store identification number. Third, each fee is calculated from the extracted transaction data and the specified unit price.
[0113]
In the present embodiment, as the details of the collection transaction, a cash calculation handling situation table for each transaction period is issued for each supplier store 6. FIG. 15 shows an example of a cash calculation month handling status table for Super A-A branch. The results of the collection transaction in February 2001 are output every day as the number of slips, the number of banknotes, the number of coins, the number of checks, and the number of miscalculations. This is extracted from the transaction data file. For example, the total 5,162 of bill subtotals is the total number of bills collected in February. Since the banknote unit price of Super A is 2.8 [yen / sheet], from this cash calculation unit price and the total number of banknotes, the fee calculation unit 85 rounds down the decimal part as 14,453 yen as the banknote fee. calculate. For coins, the coin unit price is 0.7 [yen / sheet], the total number of coins is 6,767, and 4,736 yen is recorded as the coin fee. When the total fees for cash calculation are totaled, the calculation fee (cash calculation fee) shown in FIG. 15 is 19,789 yen.
[0114]
In the example of the currency exchange monthly handling situation table shown in FIG. 16, the bill bundle unit price is 150 [yen / bundle], the number of bill bundles is 99, and the bill bundle fee is 14,850 yen. For coins, the unit price of coin bars is 20 [yen / piece], the total number of coin bars is 393, and 7,860 yen is recorded as a coin bar fee. The unit price of the coin large bag is 500 [yen / bag], and since it is three bags, 1,500 yen is recorded as the coin large bag fee. The reason for the large amount of money exchanged on Friday is because it includes money exchange on Saturdays and Sundays.
[0115]
Regarding the specification of the unit price for each business partner 5, the server 83 includes a business unit specific price specifying unit 90 in the example shown in FIG. The unit price specifying unit 90 for each supplier stores the unit number stored in the supplier master 112 based on the CIF number of the supplier 5 when receiving a unit price specifying request specifying the supplier store identification number or the CIF number. And the cash calculation unit price and the exchange creation unit price of the unit number are specified from the cash calculation unit price master 116 and the exchange creation unit price master 118 based on the specified unit number. In this example, the fee calculation unit 85 requests the second unit price specifying unit 90 for the second process.
[0116]
The invoice issue control unit 86 by invoice destination category receives each invoice for each supplier store 6 when receiving a request for issuing an invoice from the financial institution 7 that designates the supplier 5 or the supplier store 6 to the customer 5. Is added to issue a bill to each supplier store 6 or supplier 5. Then, the controller 86 specifies the billing source name according to the billing destination category when issuing the bill. That is, the control unit 86 sets the billing source name to the name of the trading store 8 of the trading partner store 6 when the billing destination classification is designation of the trading partner store. On the other hand, when the billing party classification is designated as the main customer store, the billing source name is set to the main customer store 8A of the customer 5 (main customer store 6A).
[0117]
As described above, in the present embodiment, when the main customer store is designated, the biller name is issued while issuing the bill for each customer store 6 instead of the bill summing up the fees of each customer store 6. Is the main transaction store 8A. In this way, when the invoice is for each customer store 6, invoices showing the handling quantity as shown in FIG. 17 can be issued from the system in the monthly handling situation as shown in FIGS.
[0118]
In the example of the collection and distribution fee monthly total schedule and invoice shown in FIG. 17, the invoice issuance classification is specified by the partner store, and the invoice is from the bank bank branch to the super A branch A. . When this is designated as the main customer store, it becomes a statement and invoice from the bank head office 8A to the super A head office 6A. When an invoice summed up at the dealers as shown in FIG. 6B is required, the total invoice may be issued based on the invoice as shown in FIG. 17 issued in this embodiment.
[0119]
In the example shown in FIG. 17, the transportation charge 47,250 yen reads data stored in advance as the transportation charge to the Super A branch. If the cash calculation fee of 19,789 yen and the exchange creation fee of 24,212 yen are added to this transportation fee, the fee will be 91,249 yen. And the consumption tax of this fee is 4,562 yen, and the total fee including consumption tax is 95,811 yen.
[0120]
The business commission fee calculation unit 88 calculates a business commission fee from a BS, a police company, or the like to a financial institution. This business commission fee is charged in a lump sum for the business commission fee of the money collection / delivery transaction for the money collection / delivery transaction in which the business partner issued an invoice to the customer, not for each business partner 5. Therefore, the handling differs depending on the billing destination category. In the case of the supplier store designation shown in FIG. 14 (A), BS 130 charges each business store 8A, 8B, 8C, 8D individually with a business commission fee for the money collection and distribution transaction with Super A. On the other hand, in the case of the designation of the main business partner store shown in FIG. 14B, the BS 130 charges the business consignment fee to the main transaction store in a lump without charging the transaction store.
[0121]
When the relationship between the billing destinations is viewed from the transaction store, when a collection / delivery fee is issued to the customer, a business commission fee is charged from the BS 130 for the collection / distribution transaction. Therefore, when a customer charges a fee to a customer, the transaction store charges a business commission fee from the BS. For this reason, the merchant has a business commission fee for a collection and distribution transaction in which the billing destination classification of the business partner is designated as the main business partner store and the business partner is the main business store 8A, and the billing destination of the business partner. A business commission is added to the BS, and the business commission fee is added to the BS for the collection and distribution transaction to the business partner shop that is the counterpart of the business partner.
[0122]
The business commission fee calculation unit 88 has received a request for issuance of a commission fee bill from the BS or police company, etc., to the financial institution 7 for the relevant period in which the store number and transaction period of the transaction store 8 of the financial institution 7 are designated. In such a case, a business commission fee to the transaction store 8 is calculated.
[0123]
Based on the store number of the store 8, the business commission fee calculation unit 88 firstly selects the store 5 of the store 5 that has the store 8 as the store 8. Extract transaction data by supplier store whose billing party classification is specified by supplier store. 2ndly, the calculation part 88 is the main customer's store about all the customer's stores 6A, 6B, ... contained in the customer 5 of the main customer's store 6A which uses the store 8 of the store number as the main customer's store 8A. Extract transaction data.
[0124]
3rdly, the calculation part 88 totals the transaction data according to customer stores, and the transaction data according to main customer stores, and calculates customer store total transaction data. Then, the calculation unit 88 outsources business from the trustee to the business partner based on the business partner total transaction data and the business unit price that is the unit price at the unit price set in the business partner master 108. Calculate the fee.
[0125]
FIG. 18 shows an example of a cash settlement and arrangement fee table including the business commission fee. In the example shown in FIG. 18, the business commission fee between XX bank A branch and the second branch is calculated. In the case of the Branch A, a collection and distribution transaction is provided only to Super A. Otsu branch is the total of collection and distribution transactions provided to multiple business partners. The collection and distribution fee charged by the branch office cannot be calculated from the total number of the branch offices. Since the unit price of the collection / distribution fee is different for each business partner, it is impossible to calculate the collection / distribution fee if the total number is simply added. On the other hand, the unit price of the business commission fee is set at a single financial institution or for each store. Therefore, the business commission fee can be calculated from the bill price 1.0 yen of the business commission fee, the coin unit price 0.4 yen, and the like.
[0126]
In the example shown in FIG. 10, the server 83 is provided with a cash processor 4 that counts input cash and the like for each denomination and for each handling unit. Then, the server 83 collates the count data output from the cash processing machine 4 with the deposit amount specified in the deposit slip for the deposit by the normal deposit slip, and the collated count data is collected transaction data. A normal calculation control unit 92 stored in the file 120 is provided.
[0127]
In addition, when the server 83 performs cash calculation for a plurality of sachets within one collection transaction, the count data output from the cash processor 4 for each sachet calculation slip for each sachet is stored as a sachet calculation slip. While collating with the specified amount, it is collated with the deposit slip summed with the sachet calculation slip as a single collection transaction data summing up the count data collated for each sachet calculation slip, and stored in the collection transaction data file 120. A division calculation control unit 94 is provided. The function of this division calculation control unit 94 is the process shown in FIG.
[0128]
  Further, when the server 83 stores the slip unit price in the cash calculation unit price for each business partner 5,VotingA slip fee adding unit 96 that calculates a slip processing fee based on the number of sheets and the slip unit price and adds the slip processing fee to the calculation fee is provided. The case where the voucher unit price is stored is a case where a value is stored in the voucher unit price and the voucher unit price is not 0 yen. In the example shown in FIG. 15, 10 [yen / sheet] is registered as the unit price of the slip, and the total number of sheets is 40, so a slip fee of 400 yen is recorded.
[0129]
In the example shown in FIG. 10, when the server 83 registers the change of the amount specified by the counting data or the deposit slip, the miscalculation storage control unit that stores the number of times of the monetary change as the number of miscalculations in the collection transaction data file 120. 98, and when the unit price is calculated in the cash calculation unit price for each business partner, the calculation fee is calculated based on the number of calculation cases and the unit price, and the calculation fee is added to the calculation fee. And an uncalculated fee adding unit 100. When there is a correction due to an internal factor and a correction due to a customer factor in the registration of the amount change, the miscalculation storage control unit 98 stores the number of registrations of the monetary amount change due to the customer factor as the number of miscalculations. In the example shown in FIG. 15, 100 yen is stored as the unconventional unit price, and the number of miscalculations is 0. Therefore, the miscalculation fee is 0 yen.
[0130]
As described above, in the third embodiment, the unit price for each business partner is set for the relationship between the business partner and the bank, and the unit price for each business store that is a branch of the bank is set for the relationship between the bank and the BS. It is set. With this mechanism, it is possible to optimize the fee and simplify the system configuration. In other words, with regard to transaction data for collection and distribution with customers, it is not necessary to distinguish the counting data by setting the unit price for each business partner, not for each business partner store, and the unit price of outsourcing fees is different for each business partner. However, by setting the transaction by transaction store, it is possible to calculate the business commission fee based on the total of the counting data of the collection and distribution transaction related to the transaction store. With this fee unit price setting mechanism, the same counting data can be used for calculating the collection and delivery fee from the bank to the business partner and the business commission fee from the BS to the bank. This makes it easier to calculate bank earnings.
[0131]
In the example shown in FIG. 10, the data transmission control unit 106 connected to the information system for managing profit data for each company such as a loan for each CIF number, and the count data for each supplier store, Collecting and delivering by individual company to calculate the collection and delivery costs for each individual company of the collection and delivery transaction at the relevant financial institution based on the counting data of the relevant business partner 5 and the outsourcing unit price of each business partner 6 The cost calculation unit 104 and the individual company-specific collection / delivery fee, which is the sum of the invoiced amounts issued to all the customer's business partners by the billing-partition-based invoice issue control unit 86, and the individual company-specific collection / delivery cost A collection / distribution profit data storage control unit 102 that performs control to store the profit data of the information system via the data transmission control unit 106 is provided. The difference from the profitability by individual company shown in FIG. 4 is that the cost of a bank (financial institution) becomes a business commission fee. Examples and application of profit data by individual company are the same as in the first embodiment.
[0132]
The profit by individual company analyzes the business relationship with a business partner having a CIF number in the entire bank. In the collection and distribution transaction, in addition to profitability by individual company, it is also possible to calculate profitability of the transaction store. In this example, when the server 83 receives a request to create a collection and distribution handling status table specifying the store number and transaction period of the transaction store 8 of the financial institution 7, the transaction handled by the transaction store 8 for that period. A collection / distribution handling status table creation unit 124 for generating a list of collection / distribution transactions with the store 6 is provided.
[0133]
For example, when the store number of XX bank Otsu branch is designated, the collection / distribution handling status table creation unit 124 first selects a business partner (the billing destination category is the bank Otsu branch). Extracts the commissions of all business partners. Subsequently, a fee is extracted for a customer store where the bank bank Otsu branch is a business partner (the business partner's billing destination category is designated by the business partner store). These are the lists at the main dealer and the dealer.
[0134]
FIG. 19 is an explanatory diagram showing an example of a collection and distribution handling status table of XX bank Otsu branch. Referring to FIG. 18, the Otsu branch collected 15,174 banknotes in February. As shown in FIG. 19, the breakdown for each business partner is 8,543 for Super B, 2,040 for vending machine management company C, and 4,591 for Restaurant D. The unit prices of Super B (main customer store), vending machine management company C (main customer store), and restaurant D (customer store) are the unit prices set in the second embodiment. The CIF number or the like of the restaurant D that is the customer store 6 is the CIF number of the customer 5 including the restaurant D, and the number (00001) under the restaurant D is the customer store identification number of the restaurant D.
[0135]
The fee of each business partner is a value shown in FIG. Since the unit price of the BS outsourcing fee is the same for all banknotes regardless of the customer, the cost of the Otsu branch collection and delivery transaction (outsourcing fee) is calculated based on the 15,174 bills and the BS unit price. can do. By comparing the cost and the fee, it is possible to analyze and examine the profitability of the collection / delivery transaction at the store.
In addition, the handling burden of each individual company in the BS can be reflected in the BS unit price, so that the profitability of each individual company can be further refined.
[0136]
【The invention's effect】
  According to the present invention, the unit price storage unit by mode isDepositCurrentof goldCalculation mode(Paperwork burden)In response to theThe rate of increase / decrease according to whether there is an increase or decrease category was appliedBanknote or coinPer numberUnit-specific unit price data predetermined as the unit price is stored.The unit price data by mode is a unit price per number of banknotes and a unit price per number of coins.And the fee calculation partBanknotes and coinsofTotal numberAnd for each business partnerInThe fee is calculated based on the set unit price data. This makes it possible to calculate fees that take into account weight and handling load, such as bill handling and coin handling.However, the counting data itself does not require a structure that indicates the burden of paperwork.can do. And, by increasing or decreasing the unit price according to this paperwork burden, etc.And with the number (quantity)Therefore, the system configuration can be greatly simplified, and the calculation of fees by using a computer can be realized at a relatively low cost.
  Furthermore, in the present invention, for the calculation for each small bag, the unit price corresponding to the number of bills and coins is increased, and the fee for the calculation for each small bag itself is not added. Therefore, it is necessary to leave data for each small bag calculation in the count data. Even in this respect, the count data can be simplified.
Further, in the present invention, the number of miscalculations is the number of changes in the amount registration of the counting data.Is added as the miscalculation processing fee, so the office processing burden of unknown frequency can be added to the fee instead of an increase in the unit price of banknotes and coins.
As described above, according to the present invention, it is possible to calculate the fee according to the business processing burden while minimizing the configuration and data amount of the counting data.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a calculation fee calculation system according to a first embodiment.
FIG. 2 is an explanatory diagram showing examples of denominations such as cash and handling units, and FIG. 2A is a diagram showing the relationship among denominations, handling categories, and unit prices, and FIG. ) Is a diagram showing a definition example of handling units.
FIG. 3 is an explanatory diagram showing an example of a calculation transaction according to the present embodiment.
FIG. 4 is a block diagram illustrating a configuration example of a collection and distribution fee calculation system according to the first embodiment.
FIG. 5 is an explanatory diagram showing the relationship between a financial institution's transaction store and a customer's transaction store, and FIG. 5 (A) is a diagram showing an example of invoicing issued by a transaction store designation; FIG. 5B is a diagram showing an example of invoicing by designating the main customer store.
FIG. 6 is a diagram showing an example of various forms or data generated by the collection and distribution fee calculation system according to the present embodiment, and FIG. 6A shows an example of an invoice designated by a supplier store. FIG. 6B is a diagram showing an example of an invoice designated by the main customer store, and FIG. 6C is a diagram showing an example of profit data by individual company.
FIG. 7 is a flowchart illustrating a configuration example of a collection fee calculation method according to the present embodiment.
FIG. 8 is a block diagram illustrating a configuration example of a collection and distribution fee unit price calculation system according to a second embodiment.
FIG. 9 is an explanatory diagram showing an example of an input / output screen according to the second embodiment.
FIG. 10 is a block diagram illustrating a configuration example of a collection and distribution fee calculation system according to a third embodiment.
FIG. 11 is an explanatory diagram showing the relationship between a trustee (such as a BS), a transaction store, and a customer store, and FIG. 11 (A) shows an example of invoicing issued by a customer store designation; FIG. 11B is a diagram showing an example of invoicing by designation of the main customer store.
FIG. 12 is an explanatory diagram showing example items of various masters such as a supplier master;
FIG. 13 is an explanatory view showing an example of an input screen for inputting items such as a supplier master, and FIG. 13A is a view showing an example of a supplier master registration screen. B) is a diagram showing an example of a supplier store master registration screen.
FIG. 14 is an explanatory view showing an example of a fee entry screen for inputting a fee, FIG. 14 (A) is a diagram showing an example of a cash calculated unit price registration screen, and FIG. It is a figure which shows an example of the registration screen of an exchange creation unit price.
FIG. 15 is an explanatory diagram showing an example of a cash calculation month handling status table;
FIG. 16 is an explanatory diagram showing an example of a currency exchange creation month handling status table;
FIG. 17 is an explanatory diagram showing an example of a monthly total statement / invoice for a collection and distribution fee.
FIG. 18 is an explanatory diagram showing an example of a cash settlement organization fee table.
FIG. 19 is an explanatory diagram showing an example of a collection and distribution handling status table.
[Explanation of symbols]
1 terminal
2 network
4 cash processing machines
5 business partners
6 business partners
7 Financial institutions such as banks
8 Branches such as banks
10 Fee calculation department
12 Count data storage
14 Unit price storage by mode

Claims (3)

Upon payment of the deposit's account to be uniquely identified in the CIF number, to the deposit taken 引毎 with the payer, constitute the transaction date of the payment transaction, and the CIF number, the cash you the payment is Count data storage for storing count data having the number of denominations that are bills or coins, the number of deposit slips specifying the deposit amount for each deposit transaction, and the number of registrations of the amount change of the deposit amount to be deposited And
Wherein the basic price of the deposit transaction, previously, defined as an amount per sheet number of sheets per sheet and the coin of the bill, further aspects of the calculation of the bill or coin person the basic price of increased sections or leave the presence or absence of application of reduction division, in accordance with the embodiment of the calculation being specified in advance from the respective suppliers for each of the suppliers, the presence or absence of the increase amount section and the reduced segment, when the increase indicator there Is a mode in which the unit price of each of the bills and coins is increased by a predetermined increase rate for each increase category and reduced by a predetermined decrease rate for each reduction category. another unit price data, the stores for each CIF number, a slip unit price is a predetermined unit price number per one of the entering metal document, Ri deposit amount and the can Do different deposited amount counted the deposit slip Said amount Further advance stores and mishandled bid is a predetermined unit price occurs mishandled per,
The increase classification is that the single deposit slip has a plurality of sachets, and the deposit amount for each sachet by the cashier of each business partner or tenant is collated with the deposit amount in the sachet slip. A sachet-specific calculation that matches the total deposit amount with the deposit amount on the receipt slip,
It is a calculation category at the collection destination that calculates cash at the collection destination at the time of collection,
The reduction category is an organized category when the cash to be deposited is organized,
Unit price storage unit according to the aspect that is the next business day payment classification and the next business day payment to the account ,
Upon receiving a request for fee calculation and the CIF number and transaction period is specified, the payment transaction said that the in the transaction period in the CIF number of the count data stored in the count data storage transaction date is included count data reads, the number of each denomination of the bill prepared by aggregating bills total number, the number of each denomination of the coins prepared by aggregating coins total number, the stored in the aspect cost-per-storage unit Multiplying the unit price of the banknote for the CIF number by the total number of banknotes to obtain a banknote fee, multiplying the unit price of the coin by mode of the CIF number and the total number of coins to make a coin fee, And a fee calculation unit for calculating deposit fee data for the transaction period by adding the coin fee and the coin fee ,
This commission calculator
The CIF number stored in the unit price storage unit according to the mode is added to the total number of receipt slips not including the number of the pouch slips, by adding up the number of receipt slips of the count data of the receipt transaction within the read transaction period. wherein calculates the slip processing fee data by multiplying the slip bid, and document processing fees summing function which adds the slip processing fee data to said payment fee data for,
Calculate the miscalculation processing fee data by summing up the amount of money amount change of the read count data of the deposit transaction in the transaction period and multiplying the uncalculated unit price for the CIF number stored in the unit price storage unit by mode. , the mishandled processing fee data, and a miscalculation processing fees summing function to be added to the deposit fee data to which the slip processing fee data has been added,
The fee calculation unit adds the bill fee data, the coin fee data, the slip processing fee data, and the miscalculation processing fee data, so that the calculation data for each aspect of the calculation is not required. A calculation fee calculation system that calculates a calculation fee for deposit transactions during the transaction period . Various masters that store predetermined data for each type, and the account of the customer in connection with the collection and distribution business provided to the customer that is the customer of the financial institution from the store that is the branch of the financial institution a database having a transaction data file the扱単position each of the quantities taken of banknotes and coins are with or input count is cash to the cash, is connected via a terminal and a network, the response to a request from the terminal Various masters and a server for performing extraction and calculation of data stored in the transaction data file,
The quantity of handling units of the banknotes and coins is the number of banknotes and the number of coins for depositing, and for withdrawal, the number of bundles of banknote bundles, the number of coin bars, the number of coin bag bags,
The database is
A store number for identifying the trading store having an account of one or a plurality of business partner stores which are branches of the business partner of the money collection and distribution transaction, and a trustee who has been entrusted by the financial institution for the money collection and distribution business of the business partner. and trading shop master to store the unit price number to identify the unit price of the each handling unit of outsourcing commission to the transaction shop from,
A CIF number that uniquely identifies each of the suppliers of the money collection and distribution transaction, and a billing destination category that designates each customer store or a main customer store that collects transactions of each customer store as a billing destination to the customer; In the case where this billing destination category is the main customer store, the main customer store identification number for identifying the main customer store, and the calculation mode of the cash in advance the basic unit price increment for the handling unit Alternatively, the unit price of the collection and distribution transaction with the customer is determined according to the calculation mode specified in advance by each customer depending on the presence or absence of the application of the reduction category. A supplier master that stores a cash calculation unit price for each supplier and a unit number for specifying the exchange creation unit price as a unit price obtained by increasing or decreasing the basic unit price;
A customer store master that stores the CIF number, a customer store identification number that identifies the customer store of the customer of the CIF number, and a store number that identifies the store where the account of the customer store is located;
The cash to the collection with respect to collection transactions of the collection and delivery gold business, the collection is increased or decreased in accordance with the presence or absence of Decrease segment identifying the load transaction, in each handling unit, and a bill unit price and the coin bid Handling the unit cost of each unit, which is the banknote unit price and the coin unit price of the cash calculation unit price of each number of the customer in accordance with the number of the combination of the increase or decrease the amount division of the collection transaction, business brokerage commissions for each of the trading shop handling A cash unit price master that stores the unit price for each unit for each unit number,
Regarding the cash to be distributed in relation to the money exchange transaction in the collection and distribution business , the banknote bundle unit price, the coin bar unit price, and the coin bundle unit price, which are increased or decreased according to the presence or absence of an increase / decrease classification that identifies the load of the money exchange transaction. the unit price of each handling unit is Fukurotan value, and the exchange created unit price of the number of customer every time according to the number of the combination of the increase or decrease the amount classification of the exchange gold Haikin transaction, the business brokerage commissions for each of the trading shop A currency creation unit price master that stores a unit price of banknote bundles, a unit price of the coin bar, and a unit price for each handling unit that is the unit price of the bag ;
For each collection transaction, the quantity, CIF number, supplier identification number , and transaction date of the collection and distribution transaction for each handling unit of the denominations of cash bills and coins handled in the collection transaction are stored for each collection transaction. Collection transaction data file,
For each exchange transaction, the quantity in the handling unit that is a bundle, stick or bag of denominations handled in the exchange money distribution transaction, the CIF number, the supplier identification number , and the transaction date of the collection and distribution transaction A currency exchange transaction data file to be stored,
The cash calculation unit price is a unit price of a fee charged from the store to the customer store for the deposit, and is defined as the number of the banknotes and the number of coins as the handling unit.
The exchange creation unit price is a unit price of a fee charged from the store to the store for the withdrawal, and as the handling unit, the bundle of banknote bundles, the number of coin bars, the bag of the coin bag The number is defined,
The increase classification for the exchange creation includes at least a fraction creation section for creating a bundle that does not become a stick for the coin and a bundle for the banknote,
The unit price for each handling unit from the dealer to the customer store is increased or decreased in the increase / decrease category and the reduction category,
The unit cost of each of the grip units to deal shop from the trustees is bid one law to the transaction store,
The server is
In calculating each fee, the unit price stored in the supplier master is specified based on the CIF number of the supplier, and from the cash calculation unit price master and the exchange creation unit price master based on the specified unit number. A unit price specifying unit for each business unit that specifies a cash calculation unit price and an exchange creation unit price of the unit number;
In controlling the issuance of the invoice, the transaction date is included in the designated transaction period among the transaction data stored in the collection transaction data file and the exchange transaction data file for each of the business partner identification numbers. and the total number and total number of pre Quito扱単position each recorded in the transaction data, the wherein, in the exchange gold Haikin each transaction with such fractions is in a fraction in the transaction data of the exchange transaction data file For banknotes, add 1 to the number of bundles, and for the coins, add 1 to the number of bars, and handle the unit of cash calculated unit price and exchange creation unit price of the CIF number specified by the unit price specifying unit for each supplier. wherein calculating the fee for each handling unit by multiplying the respective total number and respective bid for, by adding the fees of the respective handling units, based on the number of handling units, another embodiment of the calculation And fees calculation unit for calculating the cash calculated fees and exchange create fees without the transaction data,
Transaction calculated by the fee calculation unit when receiving a request for issuing the invoice from a financial institution that specifies a CIF number of a business partner or a CIF number for identifying a business partner store and a business partner store identification number. Controls to issue a bill to each customer store or main customer store by summing up the cash calculation fee and exchange creation fee for each store, and when the bill is issued, When billing each business partner store of the business partner, the billing source name is set to the name of each business partner store of the business partner store. When invoicing a business partner store, a bill issuer-specific invoicing control unit that sets a billing source name in the main business partner store,
When receiving a request for issuing a commission fee from the trustee to the financial institution from the trustee for the period in which the store number of the financial institution is designated and the transaction period , the store of the store number is wherein among the suppliers shops, including a partner store billing classification of the transaction destination store suppliers are suppliers store, the main suppliers store suppliers to the transaction stores the branch number and the main trading shop The transaction data stored in the collection transaction data file and the exchange transaction data file, and all the transaction data of the identified customer store, and the specified and the total number and total number of each Quito扱単position before recorded in the transaction data of the transaction period, the unit price from the cash calculated unit price master and both exchange creation unit price master based on the unit price number set in the transaction store master Number work Identify commissioned bid, said by multiplying each total number of each handling unit and the said respective outsourcing bid, by calculating the fee of each handling unit, adds the charge of the respective handling units, the billing segment Outsourcing fee calculation that calculates the outsourcing fee from the trustee to the relevant store using the same transaction data used in the invoice to each supplier issued by the separate invoice issue control unit And
A data transmission control unit connected to an information system for managing profit data for each individual company for each CIF number;
The transaction data for each business partner store is totaled for all business partners of the business partner, and the business transaction unit price is multiplied by the transaction data of the business partner and the business unit price for each business partner for each handling unit. As a cost unit, a collection and delivery cost calculation unit for each company that calculates a collection and delivery cost for each company of the collection and delivery transaction at the financial institution,
The data transmission control unit displays the individual collection / delivery fee, which is the sum of the invoiced amounts issued to all the business partners of the business partner by the bill issuer-specific invoice issue control unit, and the individual group collection / delivery cost. A collection and distribution fee calculation system, comprising: a collection and distribution profit data storage control unit that controls storage into profit data of the information system. The server is equipped with a cash processor that counts the cash to be entered for each denomination and for each handling unit,
The increase classification for cash calculation is at least a single deposit slip with multiple sachets, and the deposit amount for each sachet by cash register or tenant of the relevant store is compared with the deposit amount in the sachet slip Including a calculation type for each sachet that matches the total deposit amount of the plurality of sachets with the deposit amount of the receipt slip,
The server is
Normal calculation control for collating transaction data output from the cash processing machine with the deposit amount specified in the deposit slip for depositing by a regular deposit slip and storing the collated transaction data in the collection transaction data file And
When performing multiple sachets another cash calculated within one collection transactions, and amount specified transaction data that will be output from the money processing machine for each sachet another pouch calculated slip in the pouch calculated slip with matching sums all pouch partial transaction data which collates each said pouch calculate voucher, against a deposit slip with the sum of the pouch calculated slip as transaction data collection transactions of the one, matching with the payment voucher by storing the transaction data in the collection transaction data file, claim individual transaction data against the said pouch calculation documents, characterized in that a division calculation control unit which is not stored in the collection transaction data file 2. The collection and distribution fee calculation system described in 2 .

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