JP4689887B2 - Storage processing method, storage processing program, storage processing server - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a storage processing method, a storage processing program, and a storage processing server, and in particular, a storage processing method, a storage processing program, and a storage processing for storing a billing amount charged to a payer by a biller on behalf of the biller. Regarding the server.
[0002]
[Prior art]
For example, a storage organization such as a financial institution or a convenience store provides a storage service for storing a billed amount on behalf of a biller at the request of a payer. In this storage service, a billed amount is received on behalf of the biller by receiving the billed amount from the payer. Note that the storage organization may collect a storage fee from the requester or payer.
[0003]
Conventionally, a customer who is a payer who uses a public business operator, etc., uses the storage service provided by the storage organization, so that the public business operator charges the amount charged by the public business operator as the claimant. And so on.
[0004]
[Problems to be solved by the invention]
A biller such as a public company sends a bill printed with the company code corresponding to the claimant, a customer code corresponding to the customer, a payment deadline date, a payment amount such as a utility fee, etc. Make a claim. The customer who received the invoice from the claimant requested the storage service by submitting the invoice, the amount to be charged, and the storage fee to the counter of the storage organization.
[0005]
However, a customer who has received a bill from the biller often pays the billed amount using the storage service just before the due date. That is, the window of the storage organization is crowded on a specific date such as the due date of payment, which is inconvenient for the storage organization that provides the storage service and the customer who uses the storage service.
[0006]
In addition, the counter of the storage organization is often crowded at a specific time, which is inconvenient for the storage organization that provides the storage service and the customer who uses the storage service.
[0007]
On the other hand, the claimant has a collection period from the billing for public utility charges to the due date for payment, but it bears a collection risk during the collection period and generates a financial burden on the fund allowance. Therefore, the claimant wanted to make the collection period as short as possible.
[0008]
The present invention has been made in view of the above points, can level the work load of the storage organization that provides the storage service, can reduce the collection risk and financial burden of the claimant, the payer It is an object of the present invention to provide a storage processing method, a storage processing program, and a storage processing server that can provide economic benefits and increase the fee income of a storage organization that provides storage services.
[0009]
[Means for Solving the Problems]
In order to solve the above problems, the present invention provides: Executed by computer Storage processing method The invoice data is referred to by referring to the receiving information table in which the receiving stage for receiving the invoice data from the terminal of the storage institution, the institution identification information corresponding to the storage outsourcing organization, and the prepayment deadline date are recorded. The prepaid due date is read using the prepaid due date reading step for reading the prepaid due date, and the read due date contained in the invoice data, using the institution identification information included in the key information as key information The prepaid due date calculation stage, and the storage organization The date of receipt of the storage request from the payer and the above Calculated Compare prepayment due dates, If the acceptance date is before the prepaid payment deadline date, a discount amount calculation step of calculating a discount amount and a discount storage amount obtained by subtracting the calculated discount amount from the charge amount included in the invoice data are calculated. With reference to a fee information table in which discount storage amount calculation stage, institution identification information corresponding to the storage outsourcing organization and storage fee discount amount are recorded, the institution identification information included in the invoice data is used as key information, A storage fee reading step for reading the storage fee discount amount, a fee discount condition reading step for reading the discount time zone from a fee discount condition table in which the discount time zone of the storage fee is recorded, and the storage institution The reception time when the request is received and the read discount time zone are compared, and if the reception time is included in the discount time zone, the reading time Yes to a storage fee discount amount of money, and a transmission step of transmitting the discount storage amount of money that the calculated to the terminal of the receiving institution It is characterized by doing.
[0010]
In such a storage processing method, a pre-payment due date is set so as to correspond to the billing information, and a discount amount is calculated according to a result of comparing the reception date when the request for storage is received from the payer and the pre-payment due date. . Then, a discount request amount obtained by discounting the discount amount is received from the payer.
[0011]
Therefore, by appropriately setting the prepaid due date and the discount amount, it is possible to distribute the reception date for receiving a storage service request from the payer, and the storage organization providing the storage service (for example, a financial institution, etc.) Can be leveled.
[0012]
Further, the payer can reduce the cost for paying the billing amount by a discount amount according to the request date of the storage service. Accordingly, storage organizations that provide storage services can expect an increase in the number of storage services handled and an increase in fee income.
[0013]
Further, the present invention is characterized in that the calculating step calculates the discount amount if the reception date of receiving the storage request from the payer is before the prepaid payment due date.
[0014]
In such a storage processing method, the biller can receive a large amount of billing before the prepaid payment due date, and the collection risk and financial burden can be reduced.
[0015]
Further, according to the present invention, the calculation step compares a reception date for receiving a storage request from a payer and the prepaid payment due date, and calculates at least a billing amount or a storage fee discount amount according to the comparison result. It is characterized by that.
[0016]
In such a storage processing method, a discount amount of at least one of the billing amount and the storage fee can be calculated.
[0018]
In such a storage processing method, a prepaid payment due date is set so as to correspond to the billing information, and the discount amount is calculated according to the result of comparing the reception time and the discount time zone when the request for the storage service is received from the payer. . Then, the billing amount obtained by discounting the discount amount is received from the payer.
[0019]
Therefore, by appropriately setting the discount time zone and the discount amount, it is possible to distribute the reception time for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load.
[0020]
Further, the payer can reduce the cost for paying the billing amount by the discount amount according to the request time of the storage service. Accordingly, storage organizations that provide storage services can expect an increase in the number of storage services handled and an increase in fee income.
[0021]
Further, the present invention is characterized in that, in the calculation step, the discount amount is calculated if the reception time when the storage request is received from the payer is included in the discount time zone.
[0022]
In such a storage processing method, the storage organization providing the storage service can set the time when the window service is relatively vacant, for example, as a discount time period, thereby making it possible to level the load on the window service.
[0023]
Further, according to the present invention, the calculation step compares the reception time when the storage request is received from the payer and the discount time zone, and calculates at least the charge amount or the discount amount of the storage fee according to the comparison result. It is characterized by.
[0024]
In such a storage processing method, a discount amount of at least one of the billing amount and the storage fee can be calculated.
[0025]
The present invention also provides: Executed by computer Storage processing method Because , The institution included in the invoice data with reference to the receiving stage for receiving the invoice data from the terminal of the storage institution, the storage destination information table in which the institution identification information corresponding to the storage outsourcing organization and the prepayment deadline date are recorded Using the identification information as key information, a prepaid due date reading step for reading the prepaid due date, and a prepaid due date for calculating the prepaid due date using the read due date and the due date included in the invoice data. The date calculation stage and the storage The date of receipt of the storage request from the payer and the above Calculated Compare prepayment due dates, If the acceptance date is before the advance payment deadline date, Calculate service points By referring to the fee information table in which the first service point calculation stage, the engine identification information corresponding to the storage entrusting agency and the second service point are recorded, the engine identification information included in the invoice data is keyed As information, a storage fee reading step for reading the second service point, a fee discount condition reading step for reading the discount time zone from a fee discount condition table in which the discount time zone of the storage fee is recorded, and the storage organization paying in When the reception time received from the user is compared with the read discount time zone, and the reception time is included in the discount time zone, the calculated first and second service points are stored in the storage time. A transmission stage for transmission to the institution's terminal. It is characterized by doing.
[0026]
In such a storage processing method, a pre-payment due date is set so as to correspond to the billing information, and service points are calculated according to the result of comparing the reception date when the request for the storage service is received from the payer and the pre-payment due date. To do. The payer can receive service points according to the request date of the storage service, and can receive various benefits in exchange for the received service points, for example.
[0027]
Therefore, by appropriately setting the prepaid due date and the service point, it is possible to distribute the reception dates for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. Storage organizations that provide storage services can be expected to increase the number of storage services handled and increase commission income.
[0035]
DETAILED DESCRIPTION OF THE INVENTION
Next, embodiments of the present invention will be described with reference to the drawings. In this embodiment, an example in which a financial institution provides a storage service will be described as an example of a storage institution. However, any storage institution that provides a storage service may be used.
[0036]
FIG. 1 shows a block diagram of a first embodiment of a system for realizing the storage processing method of the present invention. For example, the window terminals 11a to 11n are installed at the windows of the stores 10a to 10n of financial institutions that provide storage services. One or more window terminals 11a to 11n may be installed at the windows of the stores 10a to 10n, respectively. The window terminals 11a to 11n are operated by, for example, employees of financial institutions.
[0037]
The storage processing server 14 is installed in a data center 13 of a financial institution or a third party organization entrusted by a financial institution, and is connected to the window terminals 11a to 11n via a network 12 such as a LAN (Local Area Network). Connected. The storage processing server 14 performs processing related to storage services.
[0038]
The billing amount stored by the storage organization on behalf of the claimant (storage amount) is supplied from the storage organization to the claimant. For example, the storage processing server 14 may transfer the charged amount stored on behalf of the claimant to the account of the claimant using an account transfer processing system provided separately.
[0039]
The requester terminals 17a to 17m are installed in data centers 16a to 16m of a third party organization commissioned by a billing organization or a billing organization such as a public company or a company, for example, via a network 15 such as the Internet. Connected to the storage processing server 14. The requester terminals 17a to 17m are operated, for example, by a staff member of the requesting organization. In FIG. 1, the networks 12 and 15 are described as separate networks, but they may be the same network.
[0040]
The storage processing server 14 is configured as shown in FIG. 2, for example. FIG. 2 shows a block diagram of an embodiment of the storage processing server of the present invention. The computer system for realizing the storage processing server 14 includes an input device 31, a display device 32, a drive device 33, a recording medium 34, an auxiliary storage device 35, and a memory connected to each other via a bus B. A device 36, an arithmetic processing device 37, an interface device 38, and a database (hereinafter referred to as DB) 39 are included.
[0041]
The input device 31 includes a keyboard and a mouse operated by a user of the computer system, and is used for inputting various operation signals to the computer system. The display device 32 displays various windows and data necessary for operating the computer system. The interface device 38 is an interface for connecting the computer system to the network 12 or 15, and is composed of, for example, a LAN card, a modem or the like.
[0042]
The DB 39 stores, for example, a storage destination information table, a fee information table, a fee discount condition table, a service point accumulation information table and the like necessary for performing the storage processing of the present invention. Details of the storage location information table, fee information table, fee discount condition table, and service point accumulation information table will be described later.
[0043]
A storage processing program for realizing the storage processing server 14 of the present invention is provided by the recording medium 34. The recording medium 34 for recording the storage processing program is a recording medium for recording information optically, electrically or magnetically, such as a CD-ROM, floppy disk, magneto-optical disk (MO), ROM, flash memory. Various types of recording media such as a semiconductor memory that electrically records information can be used.
[0044]
The recording medium 34 on which the storage processing program is recorded is set in the drive device 33, and the storage processing program is installed in the auxiliary storage device 35 from the recording medium 34 via the drive device 33.
[0045]
The auxiliary storage device 35 stores the installed storage processing program and stores necessary files, data, and the like. The memory device 36 reads and stores the storage processing program from the auxiliary storage device 35 when the computer system is activated. The arithmetic processing unit 37 executes processing related to the storage processing server 14 in accordance with the storage processing program read and stored in the memory device 36.
[0046]
FIG. 3 shows a flowchart of an embodiment of processing related to the storage processing server. For example, a billing institution (storage entrusting institution) such as a public company or a company provides an invoice as shown in FIG. 4 in which an institution code corresponding to the invoicing agency, a customer code corresponding to the customer, a due date for payment, and an amount charged Create and send an invoice to the customer requesting payment for the fee.
[0047]
FIG. 4 shows an image diagram of an example of an invoice. The invoice shown in FIG. 4 is printed in a mechanically readable form such as a bar code such as an engine code, a customer code, a due date for payment, and an amount charged for the storage service.
[0048]
A customer who has received a bill from a billing institution, for example, submits the bill to a financial institution and requests a storage service. In the window, a window terminal 11 having a man-machine interface unit such as a key input unit 41, a display unit 42, a barcode reader 43, and a printing unit 44 and a terminal control unit 45 for controlling the man-machine interface unit and the like is installed. Has been. The key input unit 41 may be anything that can input information, such as a touch panel input unit.
[0049]
The staff of the financial institution uses the bar code reader 43 of the window terminal 11 to read out information necessary for storage service such as an institution code, a customer code, a payment due date, and a billing amount from the bill as bill data. The bill data read by the barcode reader 43 is supplied to the terminal control unit 45. If the barcode is not printed on the invoice, the staff may input information necessary for the storage service from the key input unit 41.
[0050]
FIG. 5 is a configuration diagram of an example of bill data. The invoice data includes, for example, an institution code, a customer code, a payment due date, a billing amount, and the like. The terminal control unit 45 temporarily stores the bill data as shown in FIG. 5 and transmits it to the storage processing server 14. When the invoice data is received, the storage processing server 14 starts storage processing.
[0051]
In step S1, the storage processing server 14 performs a discount amount calculation process. The discount amount calculation process is performed according to the following procedure. First, the storage processing server 14 searches the storage destination information table 46 as shown in FIG. 6 using the institution code of the received bill data as key information.
[0052]
FIG. 6 shows a configuration diagram of an example of the storage location information table. The storage location information table 46 of FIG. 6 includes, as items, an institution name, an institution code, an address, and a prepayment due date set by the invoicing organization corresponding to the invoicing organization (storage entrusting organization).
[0053]
The storage location information table 46 of FIG. 6 is for registering information relating to a billing institution that has entered into a charge storage contract with a financial institution. In addition, a numerical value is set in the item “Prepayment due date” for a billing institution that has concluded a charge storage contract including a prepaid discount service. On the other hand, a billing institution that does not have a charge storage contract including a prepaid discount service does not have a numerical value set in the item “prepayment due date”.
[0054]
When the value of the item “Prepayment due date” is a positive number, the item “Prepayment due date” represents the calendar date itself of each month. For example, “11 days” of the item “prepaid due date” indicates that the prepaid due date is 11th of every month. Further, when the value of the item “prepayment due date” is a negative number, the prepaid due date is obtained by subtracting the item “prepaid due date” from the payment due date of the invoice data. For example, “−5 days” of the item “prepaid due date” represents that the prepaid due date is 5 days before the due date.
[0055]
The storage processing server 14 reads the item “prepayment due date” corresponding to the institution code of the invoice data from the storage destination information table 46, while reading the current date from the operation system or the like as reception date information. The reception date / time information may be supplied from the window terminal 11 to the storage processing server 14.
[0056]
The storage processing server 14 calculates the prepaid payment due date as described above using the item “prepaid due date” read from the storage destination information table 46 and the payment due date of the invoice data. The storage processing server 14 compares the calculated advance payment deadline date with the read receipt date / time information to determine whether the receipt date / time information is before the advance payment deadline date.
[0057]
If the reception date and time information is before the prepaid payment due date, the storage processing server 14 calculates a discount amount of the charge amount using the charge amount of the invoice data. The storage processing server 14 calculates a discount amount of the billing amount using, for example, the following formula (1).
[0058]
Discount amount = Invoice amount x Savings deposit interest rate x Fixed coefficient (1)
Note that the fixed coefficient is the operating profit when the discount amount is larger than the interest obtained when the customer deposits the invoiced amount up to the due date of payment and the institution manages the invoiced amount until the due date of payment. It is desirable to set it to be smaller. Further, the discount amount may be calculated from a discount table in which stepped discount amounts proportional to the billing amount are set, or may be a fixed discount amount.
[0059]
The storage processing server 14 calculates a discount storage amount obtained by subtracting the discount amount of the charge amount from the charge amount. On the other hand, if the reception date and time information is not before the calculated prepaid payment due date, the storage processing server 14 does not calculate the discount storage amount and outputs the billed amount as the discount storage amount.
[0060]
Further, the storage processing server 14 reads out the institution name corresponding to the institution code of the invoice data from the storage destination information table 46, and creates the storage input data as shown in FIG. 7 using the read out institution name and invoice data. To do.
[0061]
FIG. 7 shows a configuration diagram of an example of storage input data. The storage input data in FIG. 7 includes, as items, an invoice number, an institution name, an institution code, a payment due date, a payment date, a billing amount, a storage institution code, a dealer code, and a handling terminal code. The item “invoice number” corresponds to the customer number of the billing data. The storage organization information including the item “storage organization code”, item “store code”, and item “handling terminal code” is added to the invoice data by the terminal control unit 45 of the window terminal 11, for example.
[0062]
The item “payment date” corresponds to the date of the reception date information read from the operation system or the like. The item “handling terminal code” corresponds to the window terminal that transmitted the invoice data to the storage processing server 14.
[0063]
Progressing to step S2 following step S1, the storage processing server 14 performs a fee calculation process. The fee calculation process is performed according to the following procedure. First, the storage processing server 14 reads the discount storage amount and storage input data. The storage processing server 14 selects a corresponding record from the fee information table 47 as shown in FIG. 8 using the engine code of the storage input data as key information.
[0064]
FIG. 8 shows a configuration diagram of an example of the fee information table. The fee information table 47 of FIG. 8 includes an engine code, a storage amount lower limit, a storage amount upper limit, a storage fee, and a storage fee discount amount as items.
[0065]
The storage processing server 14 refers to the items “storage amount lower limit” and “storage amount upper limit” of the record selected with the institution code as key information, and records the discount storage amount within the storage amount lower limit and storage amount upper limit. Select further.
[0066]
Further, the storage processing server 14 reads the fee discount condition information from the fee discount condition table 48 as shown in FIG. FIG. 9 shows a configuration diagram of an example of the fee discount condition table. The fee discount condition table 48 of FIG. 9 includes discount start time and discount end time as items. In the fee discount condition table 48, for example, a discount start time and a discount end time may be set for each weekday and holiday.
[0067]
The storage processing server 14 reads the discount start time and discount end time as fee discount condition information, and reads the current time as reception date information from the operation system or the like. The reception date / time information may be supplied from the window terminal 11 to the storage processing server 14.
[0068]
The storage processing server 14 compares the reception date and time information with the discount start time and the discount end time, and determines whether the reception date and time information is included in the time zone of the discount start time and the discount end time.
[0069]
If the reception date and time information is included in the time zone of the discount start time and discount end time, the storage processing server 14 reads the storage fee and storage fee discount amount of the selected record from the fee information table 47. If the reception date / time information is not included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee of the record selected from the fee information table 47, while setting the storage fee discount amount to 0. . The storage fee and the storage fee discount amount may be fixed amounts.
[0070]
The storage processing server 14 transmits the discount storage amount, the storage fee, and the storage fee discount amount to the window terminal 11. The window terminal 11 displays a discount storage amount, a storage fee, a storage fee discount amount, and the like on the display unit 42. The customer who requested the storage service confirms, for example, the discount storage amount, the storage fee, the storage fee discount amount, etc. displayed on the display unit 42, and pays the storage fee minus the discount storage amount and the storage fee discount amount to the window.
[0071]
When payment of the storage fee after subtracting the discount storage amount and the storage fee discount amount is completed, the counter terminal 11 uses the printing unit 44 to print the invoice data, the discount storage amount, the storage fee, the storage fee discount amount, etc. A payment notice as shown in FIG. 10 is issued.
[0072]
FIG. 10 shows an image diagram of an example of the payment notice. 10 includes an invoice number 100, a receipt date and time 101, a storage institution name 102, an institution code 103, an issue date 104, an invoice amount 105, a prepaid discount amount 106 as a discount amount of the invoice amount, a storage fee 107, The storage fee discount amount 108, the total amount 109, and the processing window ID 110 are printed.
[0073]
The receipt date and time 101, the storage organization name 102, the issue date 104, and the processing window ID 110 are acquired from the window terminal 11. The invoice number 100 and the engine code 103 are obtained from the invoice data stored temporarily.
[0074]
Progressing to step S3 following step S2, the storage processing server 14 performs storage information creation processing. The storage information creation process is performed according to the following procedure. First, the storage processing server 14 reads the discount storage amount, storage input data, storage fee, and storage fee discount amount. The storage processing server 14 creates storage information for each billing institution using the read discount storage amount, storage input data, storage fee, and storage fee discount amount.
[0075]
In the case of delayed storage where the payment date is after the payment due date, the billing institution needs to take measures such as resuming the service at an early stage, so it is necessary to know the storage information at an early stage. Accordingly, the storage processing server 14 compares the payment deadline date and the payment date of the storage input data, and outputs as normal storage information if the payment date is before the payment deadline date, and the payment date is after the payment deadline date. If it is delayed storage, it is output as urgent storage information.
[0076]
The storage processing server 14 sequentially transmits urgent storage information to the data center 16 of the billing institution (storage consignment organization) via the network 15. Further, the storage processing server 14 collectively transmits normal storage information to the data center 16 of the billing institution via the network 15 every predetermined period (for example, one day). It should be noted that normal storage information may be collectively recorded for a predetermined period (for example, one day) on a recording medium such as a magnetic tape (MT) and conveyed to the data center 16 of the billing institution.
[0077]
The data center 16 of the billing institution performs storage information processing using, for example, a billing terminal or a storage information processing server. Ordinary storage information collectively transmitted from the storage processing server 14 or normal storage information read from the transported recording medium is batch-processed. The urgent storage information is processed in real time each time it is received via the network.
[0078]
In the flowchart of FIG. 3, the example of performing the discount amount calculation process in step S1 and the fee calculation process in step S2 has been described. However, either the discount amount calculation process in step S1 or the fee calculation process in step S2 is performed. Also good. In the flowchart of FIG. 3, the example in which the storage fee is discounted according to the reception time has been described. However, the charge amount may be discounted. Furthermore, in the flowchart of FIG. 3, the example in which the charge amount is discounted according to the reception date has been described, but the storage fee may be discounted.
[0079]
In addition, although FIG. 3 demonstrated the example which discounts billing amount and a storage fee, providing a customer with a service point is also considered. FIG. 11 shows a flowchart of another embodiment of processing related to the storage processing server. The flowchart of FIG. 11 is the same as the flowchart of FIG.
[0080]
The customer to whom the bill is sent from the billing institution, for example, submits the bill and the customer identification card to the counter of the storage institution, and requests the storage service. The customer identification certificate is given, for example, when the customer registers the use of the service point with the storage organization or the like. The customer identification card records a personal code assigned to each customer by the storage organization or the like.
[0081]
This customer identification card is made of a material and shape similar to, for example, a credit card in consideration of the convenience of carrying or manufacturing cost, and a personal code is magnetically recorded in a predetermined format on a magnetic stripe arranged on the surface. It is possible.
[0082]
The window includes a man-machine interface unit such as a key input unit 41, a display unit 42, a barcode reader 43, a printing unit 44, and a magnetic card reader 50, and a terminal control unit 45 that controls the man-machine interface unit and the like. A window terminal 11 is installed.
[0083]
The staff of the storage organization uses the bar code reader 43 of the window terminal 11 to read out information necessary for storage service such as the organization code, customer code, payment deadline, and billing amount from the bill as bill data. The bill data read by the barcode reader 43 is supplied to the terminal control unit 45.
[0084]
The staff of the storage organization reads the personal code from the customer identification card using the magnetic card reader 50 of the window terminal 11. If the customer identification certificate is not submitted, a message to that effect may be input from the key input unit 41.
[0085]
The terminal control unit 45 temporarily stores the bill data as shown in FIG. 5 and transmits the bill data and the personal code to the storage processing server 14. When the bill data and the personal code are received, the storage processing server 14 starts the storage process.
[0086]
In step S10, the storage processing server 14 performs a service point calculation process. The service point calculation process is performed according to the following procedure. First, the storage processing server 14 determines whether or not the prepaid payment due date calculated by the reception date and time information is the same as in step S1 of FIG.
[0087]
If the reception date and time information is before the calculated prepaid payment due date, the storage processing server 14 calculates the first service point using the amount charged in the invoice data. The storage processing server 14 calculates the first service point using, for example, the following formula (1).
[0088]
First service point = billing amount x savings deposit interest rate x fixed coefficient (2)
The fixed coefficient can be set to an arbitrary value. Further, the service point may be calculated from a service point table in which staged service points proportional to the billing amount are set, or may be a fixed service point. On the other hand, the storage processing server 14 does not calculate the first service point unless the reception date and time information is before the prepaid payment due date.
[0089]
Further, the storage processing server 14 reads out the institution name corresponding to the institution code of the invoice data from the storage destination information table 46, and creates storage input data as shown in FIG. 12 using the read out institution name and invoice data. To do.
[0090]
FIG. 12 shows a configuration diagram of another example of storage input data. The storage input data of FIG. 12 includes, as items, an invoice number, an institution name, an institution code, a payment due date, a payment date, a billing amount, a storage institution code, a dealer code, a handling terminal code, and a personal code.
[0091]
Progressing to step S11 following step S10, the storage processing server 14 performs a fee calculation process. The fee calculation process is performed according to the following procedure. First, the storage processing server 14 reads storage input data. The storage processing server 14 selects a corresponding record from the fee information table 51 as shown in FIG. 13 using the engine code of the storage input data as key information.
[0092]
FIG. 13 shows a configuration diagram of an example of the fee information table. The fee information table 51 in FIG. 13 includes an engine code, a storage amount lower limit, a storage amount upper limit, a storage fee, and a service point as items. The storage processing server 14 further selects a record whose billing amount is within the storage amount lower limit and the storage amount upper limit in the same manner as the fee calculation process of FIG.
[0093]
Further, the storage processing server 14 reads the fee discount condition information from the fee discount condition table 48 as shown in FIG. The storage processing server 14 compares the reception date and time information with the discount start time and the discount end time, as in step S2 of FIG. 3, and whether the reception date and time information is included in the time zone of the discount start time and the discount end time. Determine whether or not.
[0094]
If the reception date / time information is included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee and the second service point of the selected record from the fee information table 51. If the reception date / time information is not included in the time zone of the discount start time and the discount end time, the storage processing server 14 reads the storage fee of the selected record from the fee information table 51, while setting the second service point to 0. To do.
[0095]
The storage processing server 14 transmits the billed amount, the storage fee, the first service point, and the second service point to the window terminal 11. The window terminal 11 displays the billing amount, the storage fee, the first service point, the second service point, and the like on the display unit 42. The customer who requested the storage service confirms, for example, the billing amount, the storage fee, the first service point, the second service point, and the like displayed on the display unit 42, and pays the billing amount and the storage fee to the window.
[0096]
When the payment of the billing amount and the storage fee is completed, the window terminal 11 uses the printing unit 44 to notify that the bill data, the billing amount, the storage fee, the first service point, the second service point, etc. are printed. Issue a certificate.
[0097]
Progressing to step S12 following step S11, the storage processing server 14 performs storage information creation processing. The storage information creation process is performed according to the following procedure. First, the storage processing server 14 reads storage input data, a storage fee, a first service point, and a second service point. Similar to step S3 in FIG. 3, the storage processing server 14 uses the read storage input data, storage fee, first service point, and second service point to obtain normal and urgent storage information for each billing institution. create.
[0098]
The storage processing server 14 stores the first service point and the second service point in the service point storage information table as shown in FIG. FIG. 14 shows a configuration diagram of an example of a service point accumulation information table. The service point accumulation information table 52 of FIG. 14 includes items such as a personal code, name, address, service point, and storage organization code.
[0099]
The storage processing server 14 searches for a record in the service point accumulation information table 52 using the personal code of the storage input data as key information, and sets the first service point and the second service item in the item “service point” of the record selected by the search. Service points are updated by adding service points. When the item “personal code” of the storage input data is “personal code no”, the service point accumulation information table 52 is not updated.
[0100]
The service points stored in the service point storage information table 52 can be used by the billing organization or the storage organization for various benefits and conveniences. The service point accumulation information table 52 may be held by either the billing organization or the storage organization.
[0101]
The storage processing server 14 sequentially transmits urgent storage information to a data center 16 such as a billing institution via the network 15, while normal storage information is gathered for a predetermined period (for example, one day) for a magnetic tape (MT) or the like. To the recording medium. A recording medium on which normal storage information is recorded is conveyed to a data center 16 such as a billing institution.
[0102]
The data center 16 such as a billing institution performs storage information processing using, for example, a billing terminal or a storage information processing server. Normal storage information is read from the transported recording medium and batch processed. The urgent storage information is processed in real time each time it is received via the network 15.
[0103]
FIG. 15 shows a block diagram of a second embodiment of the system for realizing the storage processing method of the present invention. The system 2 in FIG. 15 is the same as the system 1 in FIG. 1 except for a part thereof, and the same parts are denoted by the same reference numerals and description thereof is omitted.
[0104]
In the system 2, the automatic storage devices 61a to 61n are used instead of the window terminals 11a to 11n of the system 1. The automatic storage devices 61a to 61n are realized by, for example, an automatic teller machine (ATM). One or more automatic storage devices 61a to 61n may be installed in stores 10a to 10n of storage institutions such as financial institutions that provide storage services. The automatic storage devices 61a to 61n are operated by a customer, for example.
[0105]
In the system 2, the host computer 62 is used instead of the storage processing server 14 of the system 1. The host computer 62 has the function of the storage processing server 14. The automatic storage devices 61a to 61n are configured as shown in FIG. 16, for example.
[0106]
FIG. 16 shows a configuration diagram of an embodiment of an automatic storage device. The automatic storage device 61 is configured to include a card reader unit 71, an operation screen unit 72, a deposit / withdrawal unit 73, a passbook entry unit 74, a main control unit 75, and a communication control unit 78.
[0107]
For example, a billing organization such as a public company or a company may request an invoice printed with information required for storage services, such as an organization code corresponding to the billing organization, a customer code corresponding to the customer, a due date for payment, a billing amount, etc. A billing card 70 that magnetically records information printed on the certificate is created and sent to the customer requesting payment of the fee. The billing card 70 is made of a material and shape similar to, for example, a telephone card in consideration of the convenience of carrying or manufacturing costs.
[0108]
A customer who uses the storage service inserts the billing card 70 sent from the billing institution into the card reader unit 71 of the automatic storage device 61. The card reader unit 71 reads information necessary for a storage service such as an institution code, a customer code, a payment due date, and a billing amount from the billing card 70 as bill data. Further, the billing data may be read from the bill by providing the automatic storage device 61 with functions such as a barcode and a two-dimensional barcode. Further, if the billing card 70 is not sent, the customer may input information necessary for the storage service from the operation screen unit 72.
[0109]
The automatic storage device 61 temporarily stores the billing data read from the billing card 70 and transmits it to the host computer 62 via the main control unit 75 and the communication control unit 78. When the invoice data is received, the host computer 62 starts the storage process in the same manner as the storage processing server 14 in FIG. Note that the storage process performed by the host computer 62 is the same as that of the storage processing server 14, and a description thereof will be omitted.
[0110]
The host computer 62 transmits the discount storage amount, storage fee, and storage fee discount amount to the automatic storage device 61. The automatic storage device 61 displays a discount storage amount, a storage fee, a storage fee discount amount, and the like on the operation screen unit 72. The customer who uses the storage service, for example, confirms the discount storage amount, storage fee, storage fee discount amount, etc. displayed on the operation screen section 72, and the storage fee obtained by subtracting the discount storage amount and the storage fee discount amount is the deposit / withdrawal unit. 73 is inserted.
[0111]
When a storage fee obtained by subtracting a discount storage amount and a storage fee discount amount is inserted into the deposit / withdrawal unit 73, the automatic storage device 61, for example, pays out notification in which invoice data, discount storage amount, storage fee, storage fee discount amount, etc. are printed. Issue a certificate. Note that the processing after the payment notice is issued is the same as the processing of the storage processing server 14 described above, and thus the description thereof is omitted.
[0112]
Note that the present invention is not limited to this embodiment, and various forms such as a combination of a discount for a billing amount and a service point for a storage fee, and a combination of a service point for a billing amount and a discount for a storage fee are possible.
[0113]
【The invention's effect】
As described above, according to the present invention, by appropriately setting the prepaid due date and the discount amount, it is possible to distribute the reception dates for receiving the storage service request from the payer, and the storage organization providing the storage service (for example, Financial institutions, etc.) can level the workload.
[0114]
Further, the payer can reduce the cost for paying the billing amount by a discount amount according to the request date of the storage service. Accordingly, storage organizations that provide storage services can expect an increase in the number of storage services handled and an increase in fee income.
[0115]
Further, according to the present invention, the biller can receive a large amount of billing before the prepaid payment deadline date, and the collection risk and financial burden can be reduced.
[0116]
Further, according to the present invention, it is possible to calculate a discount amount of at least one of the charged amount and the storage fee.
[0117]
Further, according to the present invention, by appropriately setting a discount time zone and a discount amount, it is possible to distribute the reception time for receiving a storage service request from a payer, and the storage organization providing the storage service leveles the work load. can do.
[0118]
Further, the payer can reduce the cost for paying the billing amount by the discount amount according to the request time of the storage service. Accordingly, storage organizations that provide storage services can expect an increase in the number of storage services handled and an increase in fee income.
[0119]
In addition, according to the present invention, the storage service providing the storage service can set the time when the window service is relatively vacant, for example, as a discount time band, thereby making it possible to level the load on the window service.
[0120]
Further, according to the present invention, it is possible to calculate a discount amount of at least one of the charged amount and the storage fee.
[0121]
Further, according to the present invention, the payer can receive service points according to the request date of the storage service, and can receive various benefits in exchange for the received service points, for example.
[0122]
Therefore, by appropriately setting the prepaid due date and the service point, it is possible to distribute the reception dates for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. Storage organizations that provide storage services can be expected to increase the number of storage services handled and increase commission income.
[0123]
According to the present invention, the payer can receive service points according to the storage service request time, and can receive various benefits in exchange for the received service points, for example.
[0124]
Accordingly, by appropriately setting the prepaid payment due date and the service point, it is possible to distribute the reception time for receiving the storage service request from the payer, and the storage organization providing the storage service can level the work load. Storage organizations that provide storage services can be expected to increase the number of storage services handled and increase commission income.
[0125]
Further, according to the present invention, the discount amount is calculated according to the result of comparing the prepaid payment due date provided to correspond to the supplied billing information and the reception date for receiving the storage service request from the payer. can do.
[0126]
Further, according to the present invention, the discount amount can be calculated according to the result of comparing the prepaid payment due date provided so as to correspond to the supplied billing information and the reception date of the storage service from the payer. .
[0127]
[Brief description of the drawings]
FIG. 1 is a configuration diagram of a first embodiment of a system for realizing a storage processing method of the present invention.
FIG. 2 is a configuration diagram of an embodiment of a storage processing server according to the present invention.
FIG. 3 is a flowchart of an embodiment of processing related to a storage processing server.
FIG. 4 is an image diagram of an example of an invoice.
FIG. 5 is a configuration diagram of an example of bill data.
FIG. 6 is a configuration diagram of an example of a storage location information table.
FIG. 7 is a configuration diagram of an example of storage input data.
FIG. 8 is a configuration diagram of an example of a fee information table.
FIG. 9 is a configuration diagram of an example of a fee discount condition table.
FIG. 10 is an image diagram of an example of a payment notice.
FIG. 11 is a flowchart of another embodiment of processing related to the storage processing server.
FIG. 12 is a configuration diagram of another example of storage input data.
FIG. 13 is a configuration diagram of another example of the fee information table.
FIG. 14 is a configuration diagram of an example of a service point accumulation information table.
FIG. 15 is a block diagram of a second embodiment of the system for realizing the storage processing method of the present invention.
FIG. 16 is a configuration diagram of an embodiment of an automatic storage device.
[Explanation of symbols]
1, 2 system
11a-11n Window terminal
14 Storage processing server
12,15 network
17a-17m Requester's terminal
31 Input device
32 display devices
33 Drive device
34 Recording media
35 Auxiliary storage
36 Memory device
37 Arithmetic processing unit
38 Interface device
39 Database (DB)
41 Key input part
42 Display section
43 Bar code reader
44 Printing Department
45 Terminal control unit
46 Storage location information table
47,51 Fee information table
48 Commission Discount Condition Table
50 Magnetic card reader
52 Service Point Accumulation Information Table
70 billing card
71 Card reader
72 Operation screen section
73 Deposit and withdrawal department
74 Passbook entry department
75 Main control unit
76 Screen controller
77 Storage processing section
78 Communication control unit

Claims (8)

A storage processing method executed by a computer ,
A receiving stage for receiving invoice data from a storage institution terminal;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information A day reading stage;
A prepaid payment due date calculating step of calculating a prepaid payment due date using the read out prepaid due date and the payment due date included in the invoice data;
A discount amount calculation that compares the reception date when the storage organization received a storage request from a payer and the calculated prepaid payment due date, and calculates the discount amount if the reception date is before the prepaid payment due date Stages,
A discount storage amount calculation step of calculating a discount storage amount by subtracting the calculated discount amount from the charge amount included in the bill data;
With reference to the fee information table in which the institution identification information corresponding to the entrusted storage organization and the storage fee discount amount are recorded, the storage fee discount amount is read using the institution identification information included in the bill data as key information. A storage fee reading stage;
A fee discount condition reading stage for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded,
Compare the reception time when the storage organization received a storage request from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the read storage fee discount amount, A transmission step of transmitting the calculated discount storage amount to the terminal of the storage organization;
Storage processing method characterized by have a. In the discount amount calculation step, the discount amount is set to 0 if the reception date is not earlier than the advance payment deadline date,
  In the transmission step, the storage fee discount amount is set to 0 if the reception time is not included in the discount time zone.
The storage processing method according to claim 1. A storage process method executed by a computer,
A receiving stage for receiving invoice data from a storage institution terminal;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information A day reading stage;
A prepaid payment due date calculating step of calculating a prepaid payment due date using the read out prepaid due date and the payment due date included in the invoice data;
The storage organization compares the reception date when the storage request is received from the payer and the calculated prepaid payment due date, and if the reception date is before the prepaid payment due date, the first service point is calculated. A first service point calculation stage;
With reference to the fee information table in which the institution identification information and the second service point corresponding to the entrusted storage organization are recorded, the institution identification information included in the bill data is used as the key information, and the second service point is stored. A storage fee reading stage,
A fee discount condition reading stage for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded,
The storage organization compares the reception time when the storage request is received from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the calculated first and second Transmitting a service point to the terminal of the storage facility;
Storage processing method characterized by have a. 4. The storage processing method according to claim 3 , wherein the service points are accumulated and recorded for each payer in the service point accumulation information table . On the computer,
A receiving procedure for receiving invoice data from a terminal of a storage institution;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information Day reading procedure;
A prepaid payment due date calculation procedure for calculating a prepaid payment due date using the read prepaid due date and the payment due date included in the invoice data;
A discount amount calculation that compares the reception date when the storage organization received a storage request from a payer and the calculated prepaid payment due date, and calculates the discount amount if the reception date is before the prepaid payment due date Procedure and
A discount storage amount calculation procedure for calculating a discount storage amount by subtracting the calculated discount amount from a charge amount included in the invoice data;
With reference to the fee information table in which the institution identification information corresponding to the entrusted storage organization and the storage fee discount amount are recorded, the storage fee discount amount is read using the institution identification information included in the bill data as key information. Storage fee reading procedure,
A fee discount condition reading procedure for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded;
Compare the reception time when the storage organization received a storage request from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the read storage fee discount amount, A transmission procedure for transmitting the calculated discount storage amount to the terminal of the storage organization;
Storage processing program of the order to the execution. On the computer,
A receiving procedure for receiving invoice data from a terminal of a storage institution;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information Day reading procedure;
A prepaid payment due date calculation procedure for calculating a prepaid payment due date using the read prepaid due date and the payment due date included in the invoice data;
The storage organization compares the reception date when the storage request is received from the payer and the calculated prepaid payment due date, and if the reception date is before the prepaid payment due date, the first service point is calculated. A first service point calculation procedure;
With reference to the fee information table in which the institution identification information and the second service point corresponding to the entrusted storage organization are recorded, the institution identification information included in the bill data is used as the key information, and the second service point is stored. A storage fee reading procedure for reading,
A fee discount condition reading procedure for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded;
The storage organization compares the reception time when the storage request is received from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the calculated first and second A transmission procedure for transmitting the service point to the terminal of the storage organization;
Storage processing program of the order to the execution. Receiving means for receiving invoice data from the terminal of the storage organization;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information Day reading means;
A prepayment payment due date calculating means for calculating a prepayment payment due date using the read prepayment due date and the payment due date included in the invoice data;
A discount amount calculation that compares the reception date when the storage organization received a storage request from a payer and the calculated prepaid payment due date, and calculates the discount amount if the reception date is before the prepaid payment due date Means,
Discount storage amount calculation means for calculating a discount storage amount by subtracting the calculated discount amount from the charge amount included in the bill data;
With reference to the fee information table in which the institution identification information corresponding to the entrusted storage organization and the storage fee discount amount are recorded, the storage fee discount amount is read using the institution identification information included in the bill data as key information. Storage fee reading means;
Fee discount condition reading means for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded;
Compare the reception time when the storage organization received a storage request from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the read storage fee discount amount, Transmitting means for transmitting the calculated discount storage amount to the terminal of the storage organization;
Storage processing server which is characterized in that have a. Receiving means for receiving invoice data from the terminal of the storage organization;
A prepayment deadline for reading out the prepayment deadline date with reference to the storage destination information table in which the institution identification information corresponding to the storage commissioning organization and the prepayment deadline date are recorded, using the organization identification information included in the bill data as key information Day reading means;
A prepayment payment due date calculating means for calculating a prepayment payment due date using the read prepayment due date and the payment due date included in the invoice data;
The storage organization compares the reception date when the storage request is received from the payer and the calculated prepaid payment due date, and if the reception date is before the prepaid payment due date, the first service point is calculated. First service point calculating means;
With reference to the fee information table in which the institution identification information and the second service point corresponding to the entrusted storage organization are recorded, the institution identification information included in the bill data is used as the key information, and the second service point is stored. Storage fee reading means for reading
Fee discount condition reading means for reading the discount time zone from the fee discount condition table in which the storage fee discount time zone is recorded;
The storage organization compares the reception time when the storage request is received from the payer and the read discount time zone, and if the reception time is included in the discount time zone, the calculated first and second Transmitting means for transmitting a service point to the terminal of the storage organization;
Storage processing server which is characterized in that have a.

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