JP4671740B2 - Financial institution information management system, financial institution information management method, and financial institution information management support program - Google Patents

Description

  The present invention relates to a financial institution information management system, a financial institution information management method, and a financial institution information management support program for managing financial institution information related to a financial institution that performs account transfer for payment of public charges.

  Conventionally, payment methods for utilities such as electricity, water, and gas include paying in cash by going to a payment window or handing them to a collector, transferring to a designated account, and transferring to a designated account.

  When a public service provider receives charges from a user at a window or the like, it is necessary to check the payment status of the user in order to prevent double collection.

  Specifically, since there is a possibility that it has already been debited by account transfer, it is necessary to obtain information such as whether account transfer has been registered or whether debiting by account transfer has been executed.

  Conventionally, it has been confirmed whether debiting by account transfer is being performed by a window worker calling a financial institution such as a bank where the user uses account transfer and directly inquiring verbally.

  Therefore, the contact person checks the information of the financial institution where the user is using direct debit (contact information such as telephone number, address for sending documents, address, etc.), calls the telephone number that was examined, and is in charge of the financial institution. Was inquiring.

  Information on the above financial institutions is managed on a paper basis at each dealership for which a public service company entrusts a window collection service. Therefore, the window worker has been searching for necessary information such as financial institution information from a paper-based file in which information on each financial institution is described.

In addition, when sending a transfer cancellation notice or an account transfer request form to a financial institution, use a paper-based file containing information on each financial institution to determine the destination (address / address) of the document, I wrote by hand on the envelope and mailed it.

Conventionally, Japanese Patent Application Laid-Open No. 10-172027, “Automated Device Account Transfer Status Confirmation System” has proposed a technique for confirming an account transfer status that can be confirmed by a customer user. Has been.
Japanese Patent Laid-Open No. 10-172027

  However, the prior art described in Patent Document 1 is for a customer user to confirm the transfer status from his / her own account, but the transfer entrustment to the financial institution for the account transfer from the customer user. No consideration is given to providing information to vendors.

  In addition, as described above, conventionally, information on financial institutions is managed on a paper basis for each dealer, so there is a limit to the amount of information that can be managed. For example, financial information in the vicinity of dealers with a high transaction frequency is available. There is a problem that only the information of the institution can be managed, and the information of the financial institution having a low transaction frequency is not well managed.

  In addition, as described above, conventionally, when it is necessary to check the transfer status at the time of collection at the counter, the counter operator checks the information of the financial institution managed on a paper basis, I made a phone call to confirm the withdrawal status. For this reason, the customer who went to the window will be kept waiting for a long time, and there also existed the subject that the satisfaction of the customer was reduced.

  In addition, there was a problem that time and labor were required for the work for sending the transfer cancellation notice and the account transfer request form to the financial institution.

  As described above, the conventional financial institution information management methods are inefficient in managing financial institution information necessary for window operations and window operations, and are forced to perform cumbersome operations at the time of window collection. There is a problem that it is not possible to respond quickly and accurately to customers who have visited the company.

  The present invention has been developed to solve such problems. That is, an object of the present invention is to improve the efficiency of financial institution information management operations and window operations, and to check the transfer status quickly and accurately at the time of window collection, thereby improving the efficiency of window operations. A financial institution information management system, a financial institution information management method, and a financial institution information management program are provided.

According to the financial institution information management system of the present invention, financial institution information related to a financial institution (for example, a bank) that performs account transfer for payment of public charges (for example, electricity charges, gas charges, water charges, telephone charges) is managed. And a financial institution information management system (100) that supports a counter service of a public service business operator or a company commissioned by a public service business, and is used to accept payment of utility bills at the counter A reception related information providing server (10) for providing reception related information (for example, storage information stored in the storage information DB) related to the reception status of the utility bill in response to a request from the terminal (18); A financial institution server (30) managed by a financial institution that performs account transfer for payment of the utility bill in response to a request from the reception related information providing server (10) Et al., The public has fee debit status transfer status information indicating whether the price for non-transfer, the information acquisition proxy server for acquiring on behalf via a communication network (40) (20), provided with a window The payment method for those who wish to pay utility bills
In the case of account transfer, when a transfer status confirmation request is transmitted from the payment acceptance terminal (18), the receipt-related information providing server (10) uses the financial information used by the payment applicant for account transfer. In order to request proxy acquisition of transfer status information from the financial institution server (30) managed by the institution, transfer status confirmation request information is transmitted to the information acquisition proxy server (20), and the information acquisition proxy server ( 20) transmits the transfer status confirmation request proxy information generated based on the received transfer status confirmation request information to the financial institution server (30), and the receipt related information providing server (10) confirms the transfer status. the said transfer status information by the information acquisition proxy server from the financial institution server (30) (20) were acquired on behalf, obtained via the communications network (40), the vibration was obtained The status information as at least a part of the received related information, wherein providing the payment reception terminal (18) is displayed, based on the transfer status information displayed, the payment of utility bills not yet transferred from the payment seekers In the case of acceptance, the receipt related information providing server (10), in response to receiving the instruction to cancel the transfer from the payment receiving terminal (18), sends a transfer stop request in order to notify the transfer stop request. Information is transmitted to the information acquisition proxy server (20), and the information acquisition proxy server (20) transmits the generated transfer cancellation request proxy information based on the received transfer cancellation request information to the financial institution server (30). transmitted to the financial institution information management system is provided, characterized in that.

  The financial institution information management system configured as described above improves the efficiency of financial institution information management operations and counter operations, and can check the transfer status quickly and accurately at the time of counter collection, thereby improving the efficiency of the counter operations. Will be able to.

The receipt-related information providing server (10) includes a financial institution information DB (16), and is used for account transfer by a person who wants to pay public charges in response to a request from the payment acceptance terminal (18). the information of the financial institution involved in engine, said obtained from the financial institution information DB (16), as part of the receipt related information, the providing the payment reception terminal (18) Ru is displayed, so that it is configured Also good.

The receipt-related information providing server (10) includes a storage information DB (15), and storage information including information on the payment status and payment method of the payment applicant in response to a request from the payment reception terminal (18). Is provided and displayed on the payment acceptance terminal (18) as part of the receipt related information, and the payment status and payment method can be confirmed quickly and accurately based on the storage information. May be.

The receipt related information providing server (10), from the payment reception terminal (18), in response to receiving the charge receiving notification that the payment of utility bills indicating that the reception from the payment seekers, the storage information The reception related information stored in the DB (15) may be updated.

According to the financial institution information management method of the present invention, the financial institution information related to the financial institution performing the account transfer for payment of the public bill is managed, and the contact point of the public service company or the company entrusted by the public service business a financial institution information management how to support the business, if the payment method of payment seekers of public utility charges, which visited the window is the account transfer, payment acceptance terminal used when performing the acceptance of public payment ( 18) When the transfer status confirmation request is transmitted from 18), the transfer status indicating whether or not there is an untransferred fee from the financial institution server (30) managed by the financial institution used by the payment applicant for account transfer. In order to request the proxy acquisition of information, the reception related information providing server (10) transmits the transfer status confirmation request information to the information acquisition proxy server (20) and receives the received transfer status confirmation request information. The transfer status confirmation request proxy information generated based on the information is transmitted from the information acquisition proxy server (20) to the financial institution server (30) (for example, step S208), and the transfer institution server (30) confirms the transfer status. The transfer status information acquired on behalf of the information acquisition proxy server (20) from the receipt related information providing server (
10) is acquired via the communication network (40) (for example, step S205), and the acquired transfer status information is used as at least a part of the reception related information relating to the reception status of the utility bill as the payment acceptance terminal (18). It is provided to the display (e.g., step S206), on the basis of the transfer status information displayed, when receiving a payment of utility bills not yet transferred from the payment seekers, transferred from the payment receiving terminal (18) In response to receiving the cancellation instruction, the receipt related information providing server (10) transmits and receives the transfer cancellation request information to the information acquisition proxy server (20) in order to perform a proxy notification of the transfer cancellation request. the resulting transfer abort request proxy information based on the transfer abort request information, the information acquisition proxy server (20) transmits the financial institution server (30), this Financial institutions information management method according to claim is provided.

When the receipt-related information providing server (10) provides the receipt-related information in response to a request from the payment acceptance terminal (18) , the payment applicant uses a financial institution used for account transfer. information concerning financial institutions obtained from the financial institution information DB (16), as part of the receipt related information, the payment reception terminal (18) to Ru is displayed provided, may be configured so.

In response to a request from the payment acceptance terminal (18), the receipt-related information providing server (10) acquires storage information including information on the payment status and payment method of the payment applicant from the storage information DB (15). As a part of the receipt related information, the payment acceptance terminal (18) is provided and displayed, and based on the storage information, the payment status and payment method can be confirmed quickly and accurately. May be.

In response to receiving a fee reception notification from the payment accepting terminal (18) indicating that the payment of the utility bill has been accepted from the payment applicant, the receipt related information providing server (10) stores the storage information DB ( The reception related information stored in 15) may be updated.

According to the financial institution information management program of the present invention, the financial institution information related to the financial institution performing the account transfer for the payment of the public fee is managed , and the contact of the public service company or the company entrusted by the public service business This is a financial institution information management program for supporting business, and is used when accepting payment of utility bills when the payment method of the utility bill payment applicant who visited the window is direct debit. When the transfer status confirmation request is transmitted from the payment acceptance terminal (18) , the untransferred charge from the financial institution server (30) managed by the financial institution used by the payment applicant for account transfer In order to request a proxy acquisition of transfer status information indicating the presence or absence of a transfer status, the reception related information providing server (10) sends the transfer status confirmation request information to the information acquisition proxy server. Sending (20), sending a transfer status confirmation request proxy information generated on the basis of the received transfer status confirmation request information, to the information acquisition proxy server (20) is the financial institution server (30) The transfer related information providing server (10) receives the transfer status information obtained on behalf of the information acquisition proxy server (20) from the financial institution server (30) whose transfer status has been confirmed by the communication network (40). obtained through the at least in part, to execute the steps of providing the the payment reception terminal (18), the displayed the transfer receipt related information relating the acquired said transfer status information to the receipt status of public utility charges Based on the situation information, when accepting payment of an untransferred utility bill from the payment applicant, the payment acceptance terminal (18) The receipt-related information providing server (10) transmitting the transfer cancellation request information to the information acquisition proxy server (20) in order to perform a proxy notification of the transfer cancellation request in response to receiving the transfer cancellation instruction; Financial institution information management for causing the information acquisition proxy server (20) to transmit the transfer cancellation request proxy information generated based on the received transfer cancellation request information to the financial institution server (30). Support programs are provided.

When the receipt-related information providing server (10) provides the receipt-related information to the computer in response to a request from the payment acceptance terminal (18) , the payment applicant further uses it for account transfer. obtains information of a financial institution involved in financial institutions and financial institution information DB (16), as part of the receipt related information, so as to perform the step of Ru is displayed provided to the payment reception terminal (18) It may be configured.

In response to a request from the payment acceptance terminal (18), the receipt-related information providing server (10) stores storage information including information on the payment status and payment method of the payment applicant in the storage information DB (15). ) And providing and displaying the payment acceptance terminal (18) as a part of the receipt related information .

The receipt-related information providing server (10) is further responsive to receiving a fee reception notification from the payment acceptance terminal (18) indicating that the payment of the utility bill has been accepted from the payment applicant. May be configured to execute a step of updating the reception related information stored in the storage information DB (15) .

  In the invention with the above configuration, it is possible to improve the work efficiency of the financial institution information management business and the counter service, and to check the transfer status quickly and accurately at the time of collecting the counters, thereby improving the efficiency of the counter service.

  The financial institution information management system according to the present invention improves the work efficiency of financial institution information management operations and window operations, and can quickly and accurately check the transfer status at the time of window collection, thereby improving the efficiency of window operations. Management system that can.

Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram illustrating a financial institution information management system 100 according to the first embodiment.
As shown in FIG. 1, the financial institution information management system 100 is a system that includes a reception related information providing server 10, an information acquisition proxy server 20, a financial institution server 30, and a collector personal terminal 50.
The receipt-related information providing server 10, the information acquisition proxy server 20, the financial institution server 30, and the collector personal terminal 50 are connected by a communication network 40 such as a private network or the Internet. Note that any number of the receipt-related information providing server 10, the financial institution server 30, and the collector personal terminal 50 may be connected.

  The collector mobile terminal 50 is composed of a mobile information terminal such as a mobile phone terminal or PDA (Personal Digital Assistants), and is used for a collector who collects money by visiting a customer's home, and is similar to the payment acceptance terminal 18. It has a function to perform the process.

The reception related information providing server 10 is managed by a user company that is a partner company of a public service provider (for example, an electric power company, a gas company, a water company, a telephone company, etc.), and is configured by, for example, a WWW (World Wide Web) server. The The reception related information providing server 10 may be managed by a public service provider.

The reception related information providing server 10 includes a transmission / reception unit 11 for performing transmission / reception of data, a transfer status confirmation request unit 12, a transfer cancellation request unit 13, an account transfer request document collation request unit 14, and a storage information DB 15. The financial institution information DB 16 and the account transfer request information DB 17 are included.

  Connected to the receipt related information providing server 10 is the payment acceptance terminal 18 installed in each dealership that performs commission collection work under the commission of a public service company. The payment acceptance terminal 18 is constituted by a personal computer, for example, and may be connected in any number. The payment acceptance terminal 18 is connected to a scanner 19 for taking in the information written on the paper as electronic data.

  The transfer status confirmation requesting unit 12 transmits a transfer information confirmation request to the information acquisition proxy server 20 in order to request a transfer status confirmation to the target financial institution server (for example, the financial institution server 30). It has various functions such as functions.

  The transfer cancellation request unit 13 has a function of transmitting a transfer cancellation request to the information acquisition proxy server 20 in order to request the target financial institution server (for example, the financial institution server 30) to cancel the transfer. Has various functions.

  The account transfer request document verification request unit 14 requests the information acquisition proxy server 20 to perform an account transfer request in order to request the target financial institution server (for example, the financial institution server 30) to verify the account transfer request document. Various functions such as a function for transmitting a document verification request.

  The storage information DB 15 is configured by a storage medium such as a database device, and is a storage unit that stores “storage information”. The “storage information” includes various information related to each user (customer), such as the payment status (whether payment is made, payment method, payment date, etc.), whether transfer is used, and the transfer target financial institution.

  The financial institution information DB 16 is configured by a storage medium such as a database device, and is a storage unit that stores “financial institution information”. The “financial institution information” includes various information related to the financial institution such as the name of the financial institution and a telephone number for inquiring whether there is a transfer.

  The account transfer request document information DB 17 is configured by a storage medium such as a database device, and is a storage unit that stores “account transfer request document information”. The “account transfer request form information” includes various information related to the account transfer request form such as a verification result in addition to the account transfer request form.

  The information acquisition proxy server 20 has a function of proxying requests and instructions to financial institutions of each of a plurality of public service providers, and is configured by, for example, a WWW server.

  The information acquisition proxy server 20 includes a transmission / reception unit 21 for transmitting / receiving data, a transfer status confirmation request proxy unit 22, a transfer cancellation request proxy unit 23, an account transfer request document verification request proxy unit 24, a data conversion Part 25, user company information DB26, financial institution information DB27, and transfer information DB28 are included.

  In response to a request from the reception related information providing server 10, the transfer status confirmation request proxy unit 22 performs a transfer status confirmation on behalf of the target financial institution server (for example, the financial institution server 30). Therefore, it has a function of executing processing for transmitting a transfer information request.

  In response to a request from the receipt-related information providing server 10, the transfer cancellation request proxy unit 23 performs a transfer cancellation request on behalf of the target financial institution server (for example, the financial institution server 30). It has a function of executing processing for transmitting a transfer cancellation request.

  In response to a request from the receipt related information providing server 10, the account transfer request document verification request proxy unit 24 requests the target financial institution server (for example, the financial institution server 30) to verify the account transfer request document. In order to do so, it has a function of executing processing for transmitting an account transfer request document verification request.

  The data conversion unit 25 converts the various data from the reception related information providing server 10 into a data format that matches a destination financial institution server (for example, the financial institution server 30), and various types of data from the financial institution server 30. And a function of executing various processes such as a process of converting the data into a data format that matches a receiving related information providing server (for example, the receiving related information providing server 10).

  The user company information DB 26 is configured by a storage medium such as a database device, and is a storage unit that stores “user company information”.

  FIG. 2 is an explanatory diagram showing “user company information” stored in the user company information DB 26. As shown in FIG. 2, the “user company information” includes various information such as a user company ID, a user company name, a delivery address, a target contract number, a financial institution code, a store code, and an account number.

  The financial institution information DB 27 is configured by a storage medium such as a database device, and is a storage unit that stores “financial institution information”.

FIG. 3 is an explanatory diagram showing “financial institution information” stored in the financial institution information DB 27. As shown in FIG. 3, the “financial institution information” includes various types of information such as a financial institution code, a store code, a data conversion condition, and a delivery address.
The transfer information DB 28 is configured by a storage medium such as a database device, and is a storage unit that stores “transfer information”.

FIG. 4 is an explanatory diagram showing “transfer information” stored in the transfer information DB 28. As shown in FIG. 4, the “transfer information” includes various types of information such as a user company ID, a target contract number, an account number, a billing number, and a billing amount.
The financial institution server 30 is managed by a financial institution and is configured by, for example, a WWW server. The financial institution server 30 includes a transmission / reception unit 31 for performing data transmission / reception, a transfer status confirmation unit 32 for performing transfer status confirmation processing, a transfer cancellation processing unit 33 for performing processing for canceling transfer, and an account transfer An account transfer request document matching unit 34 that performs a request document matching process, an account DB 35, and a customer information DB 36 are included.

  The account DB 35 is configured by a storage medium such as a database device, and is a storage unit that stores “account information”. The “account information” includes various types of information such as customer account numbers, transfer schedules, and information on payees of transfer funds.

  The customer information DB 36 is constituted by a storage medium such as a database device, and is a storage means for storing “customer information”. “Customer information” includes various information related to customers of financial institutions, such as customer names and addresses.

Next, the operation of the financial institution information management system 100 of this example will be described with reference to the drawings.
FIG. 5 is a flowchart showing an example of a window collection support process executed by the financial institution information management system 100 of this example. Here, when the user (customer) X visits the counter of the store where the payment acceptance terminal 18 is installed in order to pay the utility bill, the payment acceptance terminal 18
A process for supporting the window worker Y who handles the customer while operating is performed. Here, the payment acceptance terminal 18 is connected to the receipt related information providing server 10 and has a function of displaying information acquired from the receipt related information providing server 10 on a browser.

  In the window collection support process, the payment acceptance terminal 18 acquires the storage information related to the user X stored in the storage information DB 15 provided in the reception related information providing server 10 in response to the operation of the window operator Y. (Step S101).

  FIG. 6 is an explanatory diagram illustrating an example of a storage information display screen. As shown in FIG. 6, the storage information display screen displays a display area for displaying a user name, a display area for displaying a user ID, and a payment category (for example, any payment category among cash, account transfer, etc.). A display area that displays the information (for example, financial institution name, telephone number) that is used in the account transfer when the payment category is account transfer An area, a display area for displaying the payment status (charged amount, whether or not received, etc.) and an instruction display area 601 for instructing the window worker Y are provided.

  Next, based on the acquired storage information, the payment acceptance terminal 18 has no unreceived public charges for the user X (invoices have been issued but charges have not been confirmed). (No in step S102), for example, in order to instruct not to accept, for example, the instruction display area 601 on the display screen of the display device provided in the payment acceptance terminal 18 is prohibited from receiving such as “no unreceived fee” The instruction is displayed and the window collection support process is terminated.

  On the other hand, the payment acceptance terminal 18 confirms the fee payment method (payment category) of the user X if there is an unreceived public fee for the user X (Y in step S102) based on the acquired storage information. (Step S103).

  The payment acceptance terminal 18 is not in charge of user X's fee payment method (N in step S103) and is not in the middle of a request that the user X make the fee payment method account transfer (step S103). N) in S104, the window operator Y is instructed to receive an unreceived fee (step S105).

  The “receipt instruction” indicates, for example, an instruction display such as “Please accept the unreceived fee” in the instruction display area 601 on the display screen of the display device provided in the payment accepting terminal 18. Is done by.

  Upon receipt confirmation by the window operator Y who has received the unreceived fee, the payment acceptance terminal 18 stores the storage information related to the user X stored in the storage information DB 15 provided in the reception related information providing server 10. Update processing is performed (step S105).

  The “acknowledgment confirmation” is provided on the display screen of the display device provided in the payment acceptance terminal 18 by the operation of the window operator Y of the input device (eg, keyboard, mouse, etc.) provided in the payment acceptance terminal 18, for example. This is executed by pressing a receipt confirmation button (not shown).

  The payment acceptance terminal 18 determines whether the fee payment method of the user X is account transfer (Y in step S103) or the user X is in the process of requesting the fee payment method to be account transfer. (Y in step S104), it is confirmed whether or not the scheduled transfer date has passed based on the storage information (step S106).

  If the scheduled transfer date has not passed, the payment acceptance terminal 18 instructs the counter operator Y to receive the unreceived fee and confirms receipt by the counter operator Y who has received the unreceived fee. Then, the storage information related to the user X stored in the storage information DB 15 provided in the receipt related information providing server 10 is updated (step S109). Then, the payment accepting terminal 18 executes a transfer canceling process for instructing the reception related information providing server 10 to stop transferring (step S110).

  If the scheduled transfer date has passed, the payment acceptance terminal 18 instructs the receipt related information providing server 10 to confirm the transfer status, and the receipt related information providing server 10 obtained from the financial institution server 30. A transfer status confirmation process for obtaining a transfer status confirmation result (transfer information) is performed (step S107).

  If the confirmation result of the transfer status is untransferred (Y in step S108), the dealer terminal 18 executes the processes in steps S109 to S110 described above.

  If the confirmation result of the transfer status has been transferred (N in Step S108), for example, the payment acceptance terminal 18 instructs that it should not be received. In the instruction display area 601 on the display screen, a receipt prohibition instruction display such as “no untransferred charges” is displayed, and the window collection support processing is terminated.

FIG. 7 is a flowchart showing an example of transfer information acquisition processing started in response to the transfer status confirmation instruction from the payment acceptance terminal 18 in step S107 (transfer status confirmation processing) described above.
In the transfer information acquisition process, the transfer status confirmation request unit 12 in the reception related information providing server 10 makes a transfer status confirmation request to the information acquisition proxy server 20 (step S201). The transfer status confirmation request is information indicating that it is a confirmation request for the transfer status, information (for example, a user ID) that can identify the user X who wants to pay the fee, and the user X uses it for account transfer. Information (for example, a financial institution code: a code indicating a financial institution managing the financial institution server 30) that can identify the financial institution.

  Upon receiving the transfer status confirmation request (step S202), the transfer status confirmation request proxy unit 22 in the information acquisition proxy server 20 requests the financial institution server 30 to provide transfer information, and the financial institution responds to the request. Transfer information is extracted by acquiring the transfer information provided from the server 30 (step S203).

  When the transfer information is extracted from the financial institution server 30, the information acquisition proxy server 20 transmits the extracted transfer information to the reception related information providing server 10 (step S204).

  When the transfer information is received (step S205), the receipt related information providing server 10 transmits the received transfer information to the payment reception terminal 18 and displays it on the display device provided in the payment reception terminal 18 (step S206). That is, information indicating whether or not the account transfer has been completed for each billing amount recognized as unreceived is displayed on the display device provided in the payment acceptance terminal 18.

FIG. 8 is a flowchart showing an example of a process (transfer information extraction process) including the above-described step S203 and after the above-described step S202 is executed and before the above-described step S204 is executed.
In the transfer information extraction process, the information acquisition proxy server 20 sets the data conversion condition information among the financial institution information related to the financial institution indicated by the financial institution code included in the transfer status confirmation request received in step S202. Extracted from the information DB 27 (step S302).

  Next, the data conversion unit 25 in the information acquisition proxy server 20 creates a transfer information request from the transfer status confirmation request received in step S202 by performing data conversion according to the data conversion conditions extracted in step S302. (Step S303).

  The transfer information request created in step S303 is in the data format used by the financial institution server requesting the transfer information (here, the financial institution server 30), and indicates that it is a transfer information extraction request. Information and information (for example, a user ID) that can identify the user X who is the person who wants to pay the fee.

  Next, the transfer status confirmation request proxy unit 22 in the information acquisition proxy server 20 receives the transfer information request created by the data conversion unit 25 in the transfer status confirmation request received in step S202. Is transmitted through the communication network 40 to the financial institution server 30 managed by the financial institution indicated by (step S304).

  When receiving the transfer information request (step S305), the transfer status confirmation unit 32 in the financial institution server 30 confirms the account transfer status of the user X stored in the account DB 35 for the user X specified by the transfer information request. Then, transfer information is created based on the confirmation result (step S307).

  The transfer information includes information (for example, a user ID) that can identify the user X who wants to pay the fee, and information indicating a transfer status (transferred / untransferred for each billed amount).

  The financial institution server 30 transmits the transfer information created in step S307 to the financial institution confirmation proxy server 20 (step S308).

  When the transfer information is received (step S309), the data conversion unit 25 in the information acquisition proxy server 20 extracts the data conversion condition information from the user company information DB 26, and performs data conversion according to the extracted data conversion condition, The transfer information received in S309 is converted into the data format used in the reception related information providing server 10 (step S310).

  Then, the information acquisition proxy server 20 registers the transfer information after the data conversion in the transfer information DB 28 (step S311). Thereafter, the process proceeds to the above-described step S204. In this step S204, the transfer information subjected to data conversion is transmitted.

FIG. 9 is a flowchart showing an example of the transfer cancellation process started in response to the transfer cancellation instruction from the payment acceptance terminal 18 in step S110 (transfer cancellation process) described above.
In the transfer stop process, the transfer stop request unit 13 in the reception related information providing server 10 makes a transfer stop request for requesting the information acquisition proxy server 20 to stop the account transfer (step S401).

  When receiving the transfer cancellation request (step S402), the information acquisition proxy server 20 sets the data conversion condition information among the financial institution information related to the financial institution indicated by the financial institution code included in the received transfer cancellation request. Extracted from the information DB 27 (step S403).

  Next, the data conversion unit 25 in the information acquisition proxy server 20 performs data conversion in accordance with the data conversion conditions extracted in step S403, so that the transfer cancellation request having a different data format from the transfer cancellation request received in step S402. Is created (step S404).

  The transfer cancellation request created in step S404 is in the data format used by the financial institution server (in this case, the financial institution server 30) that requests the transfer cancellation, and indicates that it is a transfer cancellation request. And information (for example, a user ID) that can specify the user X who is the person who wants to pay the fee, and information that can specify the charge to be transferred.

  Next, the transfer cancellation request proxy unit 23 in the information acquisition proxy server 20 indicates the transfer cancellation request created by the data conversion unit 25 by the financial institution code included in the transfer cancellation request received in step S402. It transmits via the communication network 40 toward the financial institution server 30 which a financial institution manages (step S405).

  When the transfer cancellation request is received (step S406), the transfer cancellation processing unit 33 in the financial institution server 30 executes a transfer cancellation process for canceling the corresponding account transfer (step S407).

  Then, the financial institution server 30 transmits a transfer stop notification for notifying that the corresponding account transfer is stopped to the information acquisition proxy server 20 and the reception related information providing server 10 (step S408). . The information may be transmitted to the receipt related information providing server 10 via the information acquisition proxy server 20.

  When the information acquisition proxy server 20 receives the transfer cancellation completion notification (step S409), it registers in the transfer information DB 28 that the corresponding account transfer has been canceled (step S410).

  In addition, when the receipt-related information providing server 10 receives the transfer cancellation notice (step S410), it registers in the storage information DB 15 that the corresponding account transfer has been canceled.

FIG. 10 is a flowchart illustrating an example of the account transfer request document information registration process.
In the account transfer request document information registration process, when the receipt related information providing server 10 acquires the account transfer request document information read by the scanner 19 from the payment acceptance terminal 18 (step S501), the acquired account transfer request document information. Is stored in the account transfer request information DB 17 (step S502).

  Next, the account transfer request document verification request unit 14 in the receipt related information providing server 10 creates an account transfer request document verification request for requesting verification of the account transfer request document (step S503), and the generated account transfer request A document verification request is transmitted to the information acquisition proxy server 20 (step S504).

  When receiving the account transfer request document collation request (step S505), the information acquisition proxy server 20 includes data among financial institution information related to the financial institution indicated by the financial institution code included in the received account transfer request document collation request. Conversion condition information is extracted from the financial institution information DB 27 (step S506).

  Next, the data conversion unit 25 in the information acquisition proxy server 20 performs data conversion in accordance with the data conversion conditions extracted in step S506, so that the data format differs from the account transfer request document verification request received in step S505. An account transfer request document verification request is created (step S507).

  The account transfer request document verification request created in step S507 is in the data format used by the financial institution server (here, the financial institution server 30) that requests verification of the account transfer request document. Information indicating that it is a document verification request, information (for example, a user ID) that can identify the user X who wishes to pay the fee, and account transfer request information.

  Next, the account transfer request document verification request proxy unit 24 in the information acquisition proxy server 20 transmits the account transfer request document verification request created in step S507 to the financial institution server 30 (step S508).

  When the account transfer request document verification request is received (step S509), the account transfer request document verification unit 34 in the financial institution server 30 receives the account transfer request document information included in the account transfer request document verification request received in step S509. Then, a collation process for collating the account number stored in the account DB 35 and the name and address of the customer (user) stored in the customer information DB 36 is executed (step S510). The collation here is performed by determining whether or not predetermined items such as name and account number match.

  When the verification process is completed, the financial institution server 30 transmits a verification result to the information acquisition proxy server 20 (step S511).

  When the collation result is received (step S512), the information acquisition proxy server 20 transmits the received collation result (match / mismatch) to the receipt related information providing server 10 and registers it in the transfer information DB 28 ( Step S514).

  When the collation result is received (step S513), the reception related information providing server 10 registers the received collation result in the account transfer request document information DB 17 (step S515).

  When the verification result is transmitted, the financial institution server 30 transmits the seal included in the account transfer request information stored in the account DB 35 and the account included in the account transfer request verification request received in step S509. The imprint information included in the transfer request form information is checked, and if both match, the fact is registered in the customer information DB 36. In addition, you may make it the staff of a financial institution perform collation of an imprint.

  As described above, in the financial institution information management system 100 described above, financial institution information (telephone number, mailing address, etc.) is managed as electronic data, and the user uses it for account transfer at the time of collection at the counter. The information on financial institutions is displayed on the screen (see Fig. 6), so it is easy to manage information on many financial institutions, and it is necessary to call the person in charge of financial institutions. However, it will be possible to respond quickly.

  In the financial institution information management system 100 described above, information indicating whether or not the user has been paid by account transfer is received from the financial institution server 30 using the information acquisition proxy server 20 at the time of window collection. Since it is configured to acquire, there is no need to make a confirmation by calling a financial institution, etc., and it becomes possible to carry out the window work quickly and accurately. Therefore, it is possible to prevent the customer from waiting for a long time, and it is possible to prevent the occurrence of a mistake such as receiving a fee twice.

In addition, as described above, the account transfer cancellation is communicated via the communication network 40, and the account transfer request form is transmitted as electronic data, so the transfer stop notification to the financial institution or the account transfer request form is sent. Therefore, it is possible to avoid the time and labor required for sending to a financial institution, and it is possible to easily and quickly send an account transfer cancellation notice and an account transfer request form.

  Although not specifically mentioned in the above-described embodiment, the various processes executed by the respective units of the financial institution information management system 100 in the above-described embodiment are financial institutions installed in the financial institution information management system 100. It is executed according to the information management support program. Specifically, the financial institution information management support program causes the financial institution information management system (specifically, the microcomputer in the system) 100 to execute the processes shown in FIGS. 5 and 7 to 10. It is a program.

  It should be noted that the present invention is not limited to the above-described embodiments of the present invention, and can be variously modified without departing from the gist of the present invention.

  The financial institution information management system of the present invention is useful for electronically managing information on a financial institution used for account transfer and supporting a work of accepting payment of a fee at a window or the like.

It is a block diagram which shows the structural example of the financial institution information management system of this invention. It is explanatory drawing which shows the example of the storage information of user company information DB. It is explanatory drawing which shows the example of the storage information of financial institution information DB. It is explanatory drawing which shows the example of the storage information of transfer information DB. It is a flowchart which shows the example of window collection support processing. It is explanatory drawing which shows the example of the display screen on which storage information etc. were displayed. It is a flowchart which shows the example of a transfer information acquisition process. It is a flowchart which shows the example of a transfer information extraction process. It is a flowchart which shows the example of a transfer cancellation process. It is a flowchart which shows the example of an account transfer request document registration process.

10 Provision of information related to receipt (user company server)
11 Transmission / Reception Unit 12 Transfer Status Confirmation Request Unit 13 Transfer Cancellation Request Unit 14 Account Transfer Request Document Verification Request Unit 15 Storage Information DB
16 Information DB
17 Account Transfer Request Information DB
18 Payment acceptance terminal (store terminal)
19 Scanner 20 Information acquisition (delegation server for financial institutions)
21 Transmission / Reception Unit 22 Transfer Status Confirmation Request Agent 23 Transfer Cancellation Request Agent 24 Account Transfer Request Verification Request Agent 25 Data Converter 26 User Company Information DB
27 Financial Institution Information DB
28 Transfer information DB
30 Financial Institution Server 31 Transmission / Reception Unit 32 Transfer Status Confirmation Unit 33 Transfer Cancellation Processing Unit 34 Account Transfer Request Form Verification Unit 35 Account DB
36 Customer information DB
40 communication network 50 collector mobile terminal 100 financial institution information management system

Claims (12)

Financial institution information management system (100) that manages financial institution information related to financial institutions that perform account transfers for payment of public charges, and supports the counter service of public service providers or companies entrusted by public service businesses Because
A reception related information providing server (10) for providing reception related information related to the reception status of the public utility charges in response to a request from a payment reception terminal (18) used when receiving payment of public utility charges at the window ; ,
In response to a request from the receipt-related information providing server (10), the state of the account transfer of the public fee from the financial institution server (30) managed by the financial institution performing the account transfer for payment of the public fee . An information acquisition proxy server (20) that acquires transfer status information indicating the presence or absence of untransferred charges on behalf of the communication network (40), and
If the payment method for the utility bill who visited the window is direct debit,
When a transfer status confirmation request is transmitted from the payment acceptance terminal (18), the receipt related information providing server (10) is managed by the financial institution used by the payment applicant for account transfer. In order to request proxy acquisition of transfer status information from the server (30), send transfer status confirmation request information to the information acquisition proxy server (20),
The information acquisition proxy server (20) transmits the transfer status confirmation request proxy information generated based on the received transfer status confirmation request information to the financial institution server (30),
The receipt-related information providing server (10) obtains the transfer status information obtained on behalf of the information acquisition proxy server (20) from the financial institution server (30) that has confirmed the transfer status by the communication network (40). The transfer status information acquired is provided to the payment acceptance terminal (18) as at least a part of the receipt related information, and is displayed .
Based on the transfer status information displayed, if you have received payment of untransferred utility bills from the payment applicant,
The receipt-related information providing server (10) sends the transfer stop request information to the information acquisition agent in order to perform a transfer stop request proxy notification in response to receiving a transfer stop instruction from the payment acceptance terminal (18). To the server (20)
The information acquisition proxy server (20) transmits the generated transfer cancellation request proxy information to the financial institution server (30) based on the received transfer cancellation request information. . The receipt related information providing server (10) includes a financial institution information DB (16),
In response to a request from the payment acceptance terminal (18) , information on a financial institution related to a financial institution used by a person who wants to pay a utility bill for account transfer is acquired from the financial institution information DB (16). as part, financial institution information management system of claim 1, wherein the payment offer acceptance to the terminal (18) Ru is displayed, characterized in that said receiving related information. The receipt related information providing server (10) includes a storage information DB (15),
In response to a request from the payment acceptance terminal (18), storage information including information on the payment status and payment method of the payment applicant is provided to the payment acceptance terminal (18) as part of the receipt related information. Display
3. The financial institution information management system according to claim 1, wherein a payment status and a payment method can be confirmed quickly and accurately based on the storage information. The receipt related information providing server (10), from the payment reception terminal (18), in response to receiving the charge receiving notification that the payment of utility bills indicating that the reception from the payment seekers, the storage information 4. The financial institution information management system according to claim 3, wherein the reception related information stored in the DB (15) is updated. A financial institution information management method for managing financial institution information related to a financial institution that performs fund transfer for payment of public charges, and supporting the counter service of a public service company or a company commissioned by a public service business. ,
When the payment method of the utility bill payment applicant who visited the window is account transfer, when a transfer status confirmation request is transmitted from the payment acceptance terminal (18) used when accepting payment of the utility fee , Receipt related information for requesting the transfer status information indicating whether or not there is an untransferred fee from the financial institution server (30) managed by the financial institution used by the payment applicant for the account transfer. The providing server (10) transmits the transfer status confirmation request information to the information acquisition proxy server (20),
The information acquisition proxy server (20) transmits the transfer status confirmation request proxy information generated based on the received transfer status verification request information to the financial institution server (30),
The receipt related information providing server (10) uses the communication network (40) for the transfer status information obtained on behalf of the information acquisition proxy server (20) from the financial institution server (30) that has confirmed the transfer status. acquired through the acquired said transfer status information, as at least part of the received related information related to the receipt status of public utility charges, display provided to the payment reception terminal (18),
Based on the transfer status information displayed, if you have received payment of untransferred utility bills from the payment applicant,
In response to receiving a transfer cancellation instruction from the payment acceptance terminal (18), the receipt related information providing server (10) sends the transfer cancellation request information to the information acquisition proxy server in order to perform a proxy notification of the transfer cancellation request. (20)
The financial institution information management method , wherein the information acquisition proxy server (20) transmits the transfer cancellation request proxy information generated based on the received transfer cancel request information to the financial institution server (30) . When the receipt related information providing server (10) provides the receipt related information in response to a request from the payment acceptance terminal (18),
To get the information of the financial institutions involved in financial institutions that the payment seekers are using direct debit from a financial institution information DB (16), provided as part of the receipt related information, to the payment reception terminal (18) financial institution information management method according to claim 5 which is Ru is displayed, characterized in that. In response to a request from the payment acceptance terminal (18), the receipt-related information providing server (10) acquires storage information including information on the payment status and payment method of the payment applicant from the storage information DB (15). And providing and displaying it on the payment acceptance terminal (18) as part of the receipt related information,
7. The financial institution information management method according to claim 5, wherein a payment status and a payment method can be confirmed quickly and accurately based on the storage information. In response to receiving a fee reception notification from the payment accepting terminal (18) indicating that the payment of the utility bill has been accepted from the payment applicant, the receipt related information providing server (10) stores the storage information DB ( 8. The financial institution information management method according to claim 7, wherein the reception related information stored in 15) is updated. A financial institution information management program for managing financial institution information related to financial institutions that perform direct debits for payment of public charges, and for supporting contact operations of public service providers or companies entrusted by public service businesses There,
On the computer,
If the payment method of the utility bill who visited the window is direct debit,
When the transfer status confirmation request is transmitted from the payment reception terminal (18) used when receiving payment of the utility bill, the financial institution managed by the financial institution used by the payment applicant for account transfer In order to request proxy acquisition of transfer status information indicating the presence or absence of untransferred charges from the server (30), the reception related information providing server (10) sends the transfer status confirmation request information to the information acquisition proxy server (20 ) To send to
The information acquisition proxy server (20) transmitting the transfer status confirmation request proxy information generated based on the received transfer status verification request information to the financial institution server (30);
The receipt related information providing server (10) uses the communication network (40) for the transfer status information obtained on behalf of the information acquisition proxy server (20) from the financial institution server (30) that has confirmed the transfer status. through acquired, as at least a part of receiving relevant information relating to acquired the transfer status information to the receipt status of public utility charges, to execute the steps of providing the payment reception terminal (18),
Based on the transfer status information displayed, if you have received payment of untransferred utility bills from the payment applicant,
Further, the receipt-related information providing server (10) obtains the information on the transfer stop request in order to perform a transfer stop request proxy notification in response to receiving the transfer stop instruction from the payment acceptance terminal (18). Transmitting to the proxy server (20);
Financial institution information management support for causing the information acquisition proxy server (20) to transmit the transfer cancellation request proxy information generated based on the received transfer cancellation request information to the financial institution server (30). program. On the computer,
When the receipt related information providing server (10) provides the receipt related information in response to a request from the payment acceptance terminal (18),
In addition, to obtain the information of the financial institutions involved in financial institutions that the payment seekers are using direct debit from a financial institution information DB (16), as part of the receipt of relevant information, the payment acceptance terminal (18) in the order to perform the stepping of Ru is displayed providing financial institutions information management support program of claim 9. On the computer,
In response to a request from the payment acceptance terminal (18), the receipt-related information providing server (10) acquires storage information including information on the payment status and payment method of the payment applicant from the storage information DB (15). As part of the receipt related information, the payment acceptance terminal (18)
The financial institution information management support program of Claim 9 or 10 for performing the step to provide and display. On the computer,
Further, the receipt-related information providing server (10) receives the charge reception notification from the payment acceptance terminal (18) indicating that the payment of the utility bill has been accepted from the payment applicant. The financial institution information management support program of Claim 11 for performing the step which updates the reception relevant information memorize | stored in information DB (15) .

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