JP5986958B2 - Information processing system, information processing method, and program - Google Patents

Description

  The present invention relates to a remittance process based on a slip.

  Conventionally, in a remittance system of a financial institution, for example, after a remittance based on a payment handling slip etc. is processed, a transfer receipt notification slip showing the status of payment or a copy of the payment handling slip etc. is printed on paper, and the remittance account Was mailed to the owners. The payment handling slip is provided with a communication column as a free entry column that does not affect the contents of the remittance processing in the remittance system of the financial institution. In this communication column, contents to be notified from the payer to the holder of the remittance account, such as transaction details related to remittance and identification information of the payer, are entered.

  Further, in order to read the contents such as the account number entered in the payment handling slip, OCR (Optical Character Recognition) technology related to the slip may be adopted. As for OCR related to forms, there are technologies described in Patent Documents 1 to 5, for example.

JP 2003-006712 A JP 2008-199357 A JP 2009-124594 A JP 2004-005551 A JP 2009-009357 A

  For example, information such as a membership number for the holder of the remittance account to identify the payer may be entered in the communication column of the payment handling slip described above. In this case, the holder of the remittance account should confirm the presence or absence of the scheduled payment from the payer by visually checking the description in the communication column of the payment handling slip sent from the financial institution. There is. This confirmation is sometimes referred to as erasure.

  However, since the operations accompanying the remittance using the communication column such as the confirmation operation of the deposit are visually, there is a problem that when the number of remittance is large, the operation takes a long time. There is also a problem that an error in confirmation is likely to occur.

  In view of such a problem, the present invention relates to remittance to an account using a slip of a financial institution such as a payment handling slip, and the account holder is entered in a communication column of a slip that is not referred to in the remittance processing in the financial institution. It is an object of the present invention to provide an information processing technique that can support appropriately performing work associated with remittance using content.

In order to solve the above problems, the present application discloses the following information processing system.
An information processing system that performs remittance processing to an account based on an image of a slip,
Format information storage means for storing format information for each specific value of format identification information uniquely determined from the slip description;
When the specific value of the format identification information is detected from the image, the format information corresponding to the detected specific value is acquired, and the information that is not referred to in the remittance process entered in the slip according to the acquired format information, Reading means for reading from the image;
With
The format identification information is determined according to the identification information of the remittance account described in the slip.
Information processing system.

The present application also discloses the following information processing method.
An information processing method for performing remittance processing to an account based on an image of a slip,
By a computer having a format information storage unit that stores format information for each specific value of format identification information uniquely determined from the description of the slip,
When the specific value of the format identification information is detected from the image, the format information corresponding to the detected specific value is acquired, and the information that is not referred to in the remittance process entered in the slip according to the acquired format information, A reading step to read from the image is performed,
The format identification information is determined according to the identification information of the remittance account described in the slip.
Information processing method.

Moreover, this application discloses the following program.
A program for performing remittance processing to an account based on an image of a slip,
Computer
Format information storage means for storing format information for each specific value of format identification information uniquely determined from the slip description;
When the specific value of the format identification information is detected from the image, the format information corresponding to the detected specific value is acquired, and the information that is not referred to in the remittance process entered in the slip according to the acquired format information, Reading means for reading from the image;
Function as
The format identification information is determined according to the identification information of the remittance account described in the slip.
program.

  In addition, in order to solve the above-described problem, a program in which such a program is recorded on a recording medium readable by a computer, other devices, machines, or the like may be employed. Here, a computer-readable recording medium is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Say.

  According to one aspect of the information processing system disclosed in the present application, with regard to remittance to an account using a slip of a financial institution such as a payment handling slip, the account holder or the like can enter the communication column of the slip that is not referred to in the remittance processing at the financial institution. Using the written contents, it is possible to assist in favorably performing work associated with remittance.

It is a figure which illustrates the composition of the information processing system concerning an embodiment. It is a figure which illustrates the slip concerning an embodiment. It is a figure which illustrates the payment handling slip preprinted. It is a figure which illustrates the payment handling slip completed. It is a figure which shows another example of the completed payment handling slip. 1 is a diagram illustrating a functional configuration and a database of an information processing system according to an embodiment. It is a figure which illustrates the data of the format details table of a format database. It is a figure which illustrates the data of the payment table of a payment payment handling slip database. It is a figure which illustrates the data of the communication column table of a payment payment payment slip database. It is a figure which illustrates the data of the consumption key setting table of a consumption database. It is a figure which illustrates the data of the consumption table of a consumption database. It is a figure which illustrates the data of the description condition table of a verification database. It is a figure which illustrates a payment handling slip data acquisition screen. It is a figure which illustrates the output data of a payment handling slip data list. It is a figure which illustrates the output data of a consumption result. It is a figure which illustrates the output data of a verification result. It is a figure which illustrates the flow of a remittance process. It is a figure which illustrates the flow of the reading process of a communication column, and the memory | storage process of the payment slip information. It is a figure which illustrates the flow of a consumption process. It is a figure which illustrates the flow of the verification process of description content. It is a figure which illustrates the payment handling slip which concerns on another embodiment.

  Embodiments of an information processing system according to the present invention will be described below with reference to the drawings. The embodiment described below shows an example for carrying out the present invention, and the present invention is not limited to the specific configuration described below. In practicing the present invention, it is preferable to adopt a specific configuration according to the embodiment as appropriate.

  The slip in this embodiment is implemented as a payment handling slip for requesting a financial institution such as a bank to deposit money into an account. However, the slip may be used not only at a financial institution but also at a store such as a convenience store that performs the same business as the window business of a financial institution. The slip may be a transfer request form, a transfer form, a payment form, or other name slip. The slip is not limited to a paper-medium slip and may be realized on a computer by a digital image or the like.

  The information processing system according to the present embodiment performs remittance processing to an account based on image data obtained by copying a payment handling slip. In the information processing system according to the present embodiment, a payer delivers a completed payment handling slip and cash to an ATM (Automatic Teller Machine) installed at a counter of a store such as a financial institution or at various locations. It will be described as a system for realizing a remittance method for depositing money into a remittance destination account. The information processing system may be a system that realizes remittance between accounts without using cash.

<Hardware configuration>
FIG. 1 is a diagram illustrating a configuration of an information processing system according to this embodiment. The information processing system 1 includes a server 2, a payment terminal 3, a billing system 4, and a network 5. The server 2, the payment terminal 3, and the billing system 4 can communicate with each other via the network 5. The server 2 and the payment management terminal 6 are connected via the Internet 7 and can communicate with each other.

The server 2 includes a CPU (Central Processing Unit) 21, a RAM (Random Access Memory) 22, a ROM (Read Only Memory) 23, an auxiliary storage device 24 such as a HDD (Hard Disk Drive), and a NIC (Network Interface) connected to the network 5. Card) 25 and a NIC 26 connected to the Internet 7. In FIG. 1, the server 2 is exemplified by one computer, but the server 2 is not limited to one computer. For example, the server 2 may be a plurality of computers connected via a network.

  The CPU 21 is a central processing unit, and controls the RAM 22, the auxiliary storage device 24, the NIC 25, and the like by processing instructions and data of various programs developed on the RAM 22 and the like. The RAM 22 is a main storage device and is controlled by the CPU 21 to write and read various commands and data. The auxiliary storage device 24 is a non-volatile storage device, and information to be retained even when the computer is turned off, such as various programs and databases loaded in the RAM 22, is written and read. The database may be stored in a database server device connected to the server 2 so as to be communicable.

  The payment terminal 3 includes a CPU 31, a RAM 32, a ROM 33, an auxiliary storage device 34, a deposit / withdrawal device 35 for receiving and delivering cash, a NIC 36 connected to the network 5, an operation unit 37 that is a touch panel that receives operations from the user. The computer includes a display unit 38 that is a display device such as a display, and an image scanner 39. The payment terminal 3 is provided with an insertion slot for inserting the payment handling slip 8. The image scanner 39 images the payment handling slip 8 inserted into the insertion slot and copies the payment handling slip 8. Images can be acquired. Specifically, the payment terminal 3 is a terminal installed at a window of a store such as an ATM or a financial institution operated by the payer.

  The accounting system 4 is a computer system that manages information such as account transactions in financial institutions and performs accounting processing. The billing system 4 is composed of one or more computers. The billing system 4 provides the server 2 with functions such as deposit processing for an account via the network 5.

  The network 5 is a communication network constructed by a dedicated line or the like. The server 2, the payment terminal 3, and the billing system 4 can communicate with each other via the network 5. The network 5 may be an intranet, a VPN (Virtual Private Network), or the like.

  The payment management terminal 6 is a computer provided with a CPU, RAM, ROM, auxiliary storage device and the like. The payment management terminal 6 is a personal computer, a tablet terminal, a smartphone, or another computer. The payment management terminal 6 is operated by an account holder who is equipped with a web browser and opens and holds a remittance account at a financial institution, or an employee of the account holder when the account holder is a corporation. . The account holder may be referred to as a “transfer subscriber” or “subscriber” in the remittance using the payment handling slip 8.

  The server 2 and the payment management terminal 6 are connected to the Internet 7. The information processing system 1 and the payment management terminal 6 can communicate with each other by a predetermined protocol such as HTTP (Hyper Text Transfer Protocol) or HTTPS (HTTP over Secure Socket Layer). Instead of the Internet 7, an intranet, a dedicated network, or other networks may be employed.

  FIG. 2 is a diagram illustrating a slip according to the embodiment. The slip shown in FIG. 2 is an example of the payment handling slip 8. The payment handling slip 8 is a paper in a predetermined format, an account number column 801 for entering the account number of the remittance destination account, a payment amount column 802 for entering the amount requested for payment, a communication column 803, a payer A payer column 804 for entering the address, name, telephone number, and the like, and a subscriber column 805 for entering the subscriber name. The account number column 801 and the paid-in amount column 802 are predetermined columns in which information referred to in the remittance processing of the information processing system 1 is entered. The communication column 803 is a free entry column in which information that is not referred to in the remittance processing of the information processing system 1 is entered.

  The payer fills in each column of the payment handling slip 8. However, part of the contents entered in each column of the payment handling slip 8 may be printed in advance. For example, an account holder or the like may create a payment handling slip 8 in which an account number is printed in an account number column 801 and distribute it to the payer. By doing in this way, when a payer fills in an account number, effort can be reduced and entry errors can be suppressed. Printing performed in advance may be referred to as pre-printing. In addition, for example, an account holder or the like pays in a communication field 803 in which the contents of an entry or an entry frame are printed in order to inform the payer of the information items expected to be entered in the communication field 803 and the entry position. A handling slip 8 may be created and distributed to the payer.

  FIG. 3A is a diagram illustrating a preprinted payment handling slip 8. The payment handling slip 8 shown in FIG. 3A is a payment handling slip 8 used by a member of “Aiueo Supporters Association” to pay the annual membership fee. In FIG. 3A, pre-printing is performed in the account number column 801 and the subscriber column 805. In the communication field 803, a member number field 821 for entering a member number and a member type field 822 for entering a member type are printed together with an explanation.

  FIG. 3B is a diagram illustrating a completed payment handling slip 8. FIG. 3B is an example in which the payer enters information in the pay-in amount column 802, the member number column 821 and the member type column 822 in the communication column 803, and the payer column 804 regarding the payment handling slip 8 shown in FIG. 3A. is there. In FIG. 3B, information is written in printed characters, but may be written in handwriting.

  FIG. 4 is a diagram showing another example of the completed payment handling slip 8. The payment handling slip 8 shown in FIG. 4 is a payment handling slip 8 used by an orderer who places an order for a product to “ABCDE sales” to remit money. The payment handling slip 8 shown in FIG. 4 is one in which pre-printing is performed in the account number column 801 and the subscriber column 805 as in the payment handling slip 8 shown in FIG. 3A. The communication column 803 includes a product code 1 column 831A, a unit price 1 column 831B, a quantity 1 column 831C, a subtotal 1 column 831D, a product code 2 column 832A, a unit price 2 column 832B, a quantity 2 column 832C, a subtotal 2 column 832D, The total field 833 is printed as an entry field for entering the order contents and the order amount. In FIG. 4, up to two types of products can be ordered. The product code 1 column 831A, the unit price 1 column 831B, the quantity 1 column 831C, and the subtotal 1 column 831D are columns for entering the product code, unit price, quantity, and subtotal amount of the first type of product, respectively. The product code 2 column 832A, the unit price 2 column 832B, the quantity 2 column 832C, and the subtotal 2 column 832D are columns for entering the product code, unit price, quantity, and subtotal amount of the second type of product. The total column 833 is a column for entering the total order amount.

<Data structure>
FIG. 5 is a diagram illustrating a functional configuration and a database of the information processing system 1 according to the present embodiment. Here, the database will be described. The functional configuration will be described later. The databases stored in the auxiliary storage device 24 of the server 2 include a format database D1, a paid-in payment handling slip database D2, an application database D3, and a verification database D4. Each database in the present embodiment is a relational database. Each database may be a database of another method.

(Format database D1)
In the format database D1 of the present embodiment, format information indicating the format of the entry items entered in the communication column 803 is managed. In the present embodiment, the account number is handled as format identification information for identifying format information. In the format database D1 of the present embodiment, format information for each specific value of the account number is stored. That is, the format information for each specific account is stored in the format database D1 of this embodiment. The format information stored in the format database D1 does not necessarily store format information corresponding to the account number values of all accounts opened in the financial institution. The format database D1 has a format detail table.

  FIG. 6 is a diagram illustrating data in the format detail table of the format database D1. In the format detail table, format detail information indicating the format of each entry entered in the communication field 803 is stored. One format information includes one or more format details information. In FIG. 6, one line represents one record, and one record represents one format detail information.

  The record of the format detail table includes fields of account number, item ID, item name, reference coordinates, size, character type, and number of digits. The account number identifies the format information and takes the value of the account number. The item ID identifies each entry item in one format information. That is, the item ID is information for identifying each entry item in the communication field 803 managed according to the format information. The item name indicates the name of the entry. The reference coordinates indicate a reference position where an entry field for entry items in the communication field 803 is provided. The dimension indicates the size of the entry field of the entry item in the communication field 803. The character type indicates the type of character entered in the entry, and is used for reading the entered character. The number of digits indicates the number of digits or characters entered in the entry column of the entry. The entry fields such as the member number field 821 in FIG. 3A, which are printed in the communication field 803, are provided corresponding to the reference coordinate and dimension data in the format detail table.

  In FIG. 6, records R001 and R002 indicate format details information included in the format information corresponding to the account number “9911091234567”. The format details information shown in the records R001 and R002 correspond to the member number column 821 and the member type column 822 in the payment handling slip 8 of FIG. 3A, respectively. The records R011 to R019 indicate the format details information included in the format information corresponding to the account number “9911091234567”. The format detail information shown in these records is the product code 1 column 831A, unit price 1 column 831B, quantity 1 column 831C, subtotal 1 column 831D, product code 2 column 832A, unit price 2 in the payment handling slip 8 of FIG. This corresponds to the field 832B, the quantity 2 field 832C, the subtotal 2 field 832D, and the total field 833.

  In this embodiment, the server 2 has a format information registration function. For example, when the account holder applies for the format of the payment handling slip 8 that is pre-printed at the financial institution's window, the data in the format column D1 of the format database D1 is sent to the server 2 by the financial institution based on the application. Entered and registered.

  In this embodiment, the account number is handled as the format identification information. However, a correspondence table between the format identification information and the account number may be provided, and the format identification information may be determined according to the account number according to the correspondence table. In this way, for example, a plurality of account numbers can be associated with common format information. In this case, the account holder or the like can determine the format of the communication column 803 of the payment handling slip 8 using common format information registered in advance.

(Deposited payment handling slip database D2)
In the paid-in payment handling slip database D2 of the present embodiment, the paid-in slip information that is information related to the paid-in payment handling slip 8 is managed. One deposit slip information corresponds to one deposit. The paid slip information includes information related to the description of the paid payment handling slip 8 and information related to remittance processing based on the payment handling slip 8. The deposited slip information is uniquely identified by the combination of the account number of the remittance destination account and the notification number. The notification number is a number assigned to the deposited slip information. The paid-in payment handling slip database D2 includes a payment table, a communication column table, an image table, a payer table, and a memo table.

FIG. 7 is a diagram exemplifying data in the deposit table of the paid-in payment handling slip database D2. In the deposit table, information related to deposit among the deposited slip information is stored. In FIG. 7, one line is one record, and one record represents information related to payment of one deposited slip information. The record of the deposit table includes fields for an account number, a notification number, a payment amount, a handling date, and a dealer number. The account number is the account number of the account that has been entered and entered in the account number field 801 of the payment handling slip 8. The notification number is a number for identifying the deposited slip information in the same account. The paid-in amount is the amount that has been entered and paid in the paid-in amount column 802 of the payment handling slip 8. The handling date is the date when the deposit was made, and the deposit time in days. The store number is a number for identifying the store of the financial institution where the payment handling slip 8 is handled, and the combination of the account number and the notification number is a key in the deposit table. Here, the key means information for uniquely identifying a record in the table.

  FIG. 8 is a diagram exemplifying data in the communication column table of the paid-in payment handling slip database D2. In the communication column table, information regarding the contents entered in the communication column 803 is stored out of the deposited slip information. In FIG. 8, one line is one record, and one record represents one entry content of a specific entry item entered in the communication field 803. The record in the communication column table includes an account number, a notification number, an item ID, and a value field. The account number and the notification number are the same as the account number and the notification number of the deposit table, respectively. The item ID indicates an entry and corresponds to the item ID of the format detail table of the format database D1. The value indicates the entry contents of the entry. A combination of an account number, a notification number, and an item ID is a key in the communication column table.

  The image table stores image data showing the paid payment handling slip 8. In the image table, a set of an account number and a notification number is used as a key, and an image bitmap is stored in each record. However, the image table may store the address in the auxiliary storage device 24, the file name, and the like indicating the storage location of the bitmap of the image, using the combination of the account number and the notification number as a key.

  The payer table stores information related to the payer. The memo table stores memo information related to the payment handling slip. In both the payer table and the memo table, a set of an account number and a notification number is a key.

  Among records such as a deposit table, a communication column table, and an image table, records having the same account number and notification number indicate information included in one deposited slip information. For example, the record R101 in FIG. 7 and the records R201 and R202 in FIG. 8 have an account number “9911091234567” and a notification number “5138”, and each indicates information included in one deposited slip information.

(Consumption database D3)
In the application database D3, application information is managed for each account. The application information means a deposit schedule to the account, and is used to confirm whether or not the deposit is performed as scheduled. The application information is described as a condition regarding the deposited slip information. In the present embodiment, the condition is described by a condition related to the contents entered in the communication field 803, a condition related to the date of handling, and a condition related to the paid-in amount.

  The application database D3 includes an application key setting table and an application table.

  FIG. 9 is a diagram illustrating data in the application key setting table of the application database D3. In the application key setting table, the setting of application keys used in the conditions relating to the contents entered in the communication field 803 is stored for each account. The application key means which of the entries in the communication field 803 is an item that distinguishes payment. In FIG. 9, one line is one record, and one record indicates the setting of an application key for one account.

  The record of the application key setting table includes an account number and an application key field. The account number indicates an account for which an application key is set. The application key indicates the setting of which entry the entry key is in the communication field 803, and takes the value of the item ID of the format details information stored in the format details table. For example, the record R301 in FIG. 9 means that the application key of the account number “9911091234567” is an entry for the member number indicated by the record R001 in FIG.

  In the present embodiment, a single entry in the communication field 803 is set in the application key, but a set of entries in a plurality of communication fields 803 may be set. By doing so, it is possible to describe the payment specified by the entries in the plurality of communication fields 803. For example, when the payment handling slip 8 is used to pay the monthly membership fee, the entry number of the membership number and the entry item of the payment membership fee month are provided in the communication field 803, and the set of both entries is used as the application key. It is possible to set. Depending on the contents entered in both entries, it is possible to specify which deposit using the payment handling slip 8 is for which monthly membership fee from which member. Therefore, it becomes possible to confirm whether each member has received payment for the monthly membership fee.

  FIG. 10 is a diagram illustrating data in the consumption table of the consumption database D3. Application information is stored in the application table. In FIG. 10, one line is one record, and one record indicates one piece of consumption information.

  The record of the application table includes fields of account number, application key value, amount, and deadline. The account number indicates an account for which the application information is targeted. The application key value is a value of the application key set in the application key setting table, and means that the entry item set as the application key is the value. For example, if the entry set as the application key is a member number, the member number of each member is set as the application key value, and the presence or absence of payment from each member is managed. The amount is an amount to be deposited, and means that the amount to be deposited is the amount. The deadline is a deadline for deposit expressed by a daily deposit time, and means that the deposit is before the deadline.

  In FIG. 10, for example, a record R401 describes payment under the following conditions. Conditions: (1) Deposit to account number “9911091234567”, and (2) Account key value is “1234”, that is, member number field in communication field 803 of payment handling slip 8 used for payment “1234” is entered in 821, (3) the amount is “5000” yen, and (4) is before December 31, 2012.

(Verification database D4)
In the verification database D4, the description conditions regarding the description contents of the payment handling slip 8 are managed for each account. The description condition is used to confirm the validity of the description contents of the payment handling slip 8. The verification database D4 has a description condition table.

  FIG. 11 is a diagram illustrating data in the description condition table of the verification database D4. In FIG. 10, one line is one record, and one record represents one description condition. The record of the description condition table has an account number and a conditional expression field. The account number is an account that is described in the description condition. The conditional expression is an expression that is described with the entry items in the communication field 803 and information related to payment as elements.

The description condition of the record R501 in FIG. 11 is for the payment handling slip 8 shown in FIG. The conditional expression of the record R501 is “unit price 1 × quantity 1 + unit price 2 × quantity 2 = total AND total = paid amount”, and the conditional expression “unit price 1 × quantity 1 + unit price 2 × quantity 2 = total” and the conditional expression Indicates the logical product of “total = paid amount”. The former is the product of the numerical value of the entry contents of the entry “Unit Price 1” and the numerical value of the entry contents of the entry “Quantity 1”, the numerical value of the entry contents of the entry “Unit Price 2”, and the entry “Quantity 2”. The sum of the numerical value of the entry content and the product of the numerical value indicates that the entry content of the entry “total” is equal to the numerical value. The latter indicates that the value entered in the entry “total” is equal to the amount entered in the paid-in amount column 802. In the entry contents of the payment handling slip 8 shown in FIG. 4, the values of unit price 1, quantity 1, unit price 2, quantity 2, total, and paid-in amount are 500, 2, 2000, 1, 3000, and 3000, respectively. Therefore, the description of the payment handling slip 8 satisfies the description condition indicated by the record R501 because the conditional expression of the record R501 is true.

<Functional configuration>
FIG. 5 is a diagram illustrating a functional configuration and a database of the information processing system 1 according to the present embodiment. FIG. 5 illustrates the main functions of the server 2 and the payment terminal 3 together with the database relationship. Functions will be described in the order of the payment terminal 3 and the server 2.

(Functional configuration of payment terminal 3)
The payment terminal 3 reads out a program stored in the auxiliary storage device 34 to the RAM 32 and executes it by the CPU 31, whereby an image acquisition unit 301, a remittance information reading unit 302, a remittance processing unit 303, and format information acquisition It functions as a computer including the unit 304 and the reading unit 305.

  In this embodiment, each function of the computer is executed by the CPU 31 that is a general-purpose processor, but part or all of these functions are executed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be. Here, the hardware arithmetic circuit refers to, for example, an adder circuit, a multiplier circuit, a flip-flop, etc. combined with logic gates. Some or all of these functions may be executed in the server 2.

  In the present embodiment, the image acquisition unit 301 of the payment terminal 3 acquires image data in which the payment handling slip 8 is copied. Specifically, the image acquisition unit 301 acquires image data obtained by copying the payment handling slip 8 inserted into the insertion slot from the image scanner 39.

  In this embodiment, the remittance information reading unit 302 of the payment terminal 3 reads remittance information, which is information referred to in the remittance process, from the image data acquired by the image acquisition unit 301. Specifically, the remittance information reading unit 302 converts the character strings entered in the account number column 801 and the payment amount column 802 of the payment handling slip 8 of the payment handling slip 8 copied by the image data into account numbers of remittance information, respectively. , Read by OCR as the payment amount. The characters entered in the account number column 801 and the payment amount column 802 may be printed or handwritten.

  For example, a part of information referred to in the remittance process, such as a payment amount, may be input by a user operation or the like without being read by the OCR.

  In the present embodiment, the remittance processing unit 303 of the payment terminal 3 performs remittance processing to an account based on image data obtained by copying the payment handling slip 8. Specifically, the remittance processing unit 303 transmits remittance information to the server 2 when cash corresponding to the amount paid for the remittance information read by the remittance information reading unit 302 is inserted into the deposit / withdrawal device 35. The server 2 is requested to perform a deposit process. Here, the cash corresponding to the paid-in amount is money of an amount obtained by adding a predetermined fee to the paid-in amount. Next, the remittance processing unit 303 receives the deposit process result as a result of the deposit process request from the server 2.

  In the present embodiment, the format information acquisition unit 304 of the payment terminal 3 detects the specific value of the account number for identifying the format information stored in the format information storage unit 201 of the server 2 from the image data obtained by copying the payment handling slip 8. If it is, format information corresponding to the specific value of the detected account number is acquired.

  Specifically, the format information acquisition unit 304 transmits the account number value read by the remittance information reading unit 302 from the image data obtained by copying the payment handling slip 8 to the server 2 and requests the server 2 for format information. To do. In response to the request for format information, the format information acquisition unit 304 causes the server 2 to search for format information corresponding to the value of the account number, and to transmit the format information found by the search to the payment terminal 3. The format information acquisition unit 304 acquires the format information transmitted from the server 2. The case where the format information is found in the server 2 corresponds to the above-mentioned “case where it is detected”. In addition, when the format information is not found in the server 2, the format information acquisition unit 304 does not acquire the format information.

  In the present embodiment, the format database D1 is stored in the auxiliary storage device 24 of the server 2, but the data is periodically distributed to the payment terminal 3, and a copy of the format database D1 is stored in the payment terminal 3. May be. In this case, the format information acquisition unit 304 of the payment terminal 3 may acquire the format information from a copy of the format database D1 of the payment terminal 3 without transmitting a request for format information to the server 2.

  In the present embodiment, the reading unit 305 of the payment terminal 3 communicates the payment handling slip 8 according to the acquired format information when the format information acquisition unit 304 acquires the format information corresponding to the specific value of the account number. The information entered in the field 803 is read from the image data obtained by copying the payment handling slip 8. Here, the information entered in the communication column 803 is information that is not referred to in the remittance process. Specifically, the reading unit 305 reads information on each entry as character data by OCR from the image data in accordance with each format detail information included in the format information.

  Part or all of the information entered in the communication field 803 may be entered using a mark sheet, a barcode, or the like. In this case, the reading unit 305 may read information represented by a mark sheet, a barcode, and the like.

(Functional configuration of server 2)
The server 2 reads the program stored in the auxiliary storage device 24 into the RAM 22 and executes it by the CPU 21, so that the format information storage unit 201, the format information search unit 202, the deposit processing unit 203, and the deposited slip It functions as a computer including an information storage unit 204, a deposited slip condition input unit 211, a deposited slip existence confirmation unit 212, a description condition input unit 221, and a description condition confirmation unit 222. In this embodiment, each function of the computer is executed by the CPU 31 that is a general-purpose processor, but part or all of these functions are executed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be. Some or all of these functions may be executed at the payment terminal 3.

  The server 2 also functions as a Web server and provides various screens as Web pages to the payment management terminal 6 and the like. The server 2 also functions as an authentication unit for confirming that the user accessing the Web server is an account holder or the like who has the authority to manage a specific account by logging in to the account using the user ID and password. . A specific account is linked to the login target account. The server 2 also functions as a database management system that manages various databases.

In the present embodiment, the format information storage unit 201 of the server 2 stores format information for each specific value of an account number as format identification information. Specifically, the format information storage unit 20 of the present embodiment.
1 stores format information in the format database D1 described above.

  According to the format information storage unit 201 of the present embodiment, format information for each account number value entered in the payment handling slip 8 is stored, so the format of the free entry column such as the communication column 803 of the payment handling slip 8 Can be prepared according to the destination account. Therefore, the account holder or the like of the remittance destination account can provide the payer or the like with the desired payment handling slip 8 in which the format of the communication field 803 is customized.

  In this embodiment, when the format information search unit 202 of the server 2 receives the value of the account number from the payment terminal 3 and is requested for the format information, the format information search unit 202 displays the format information corresponding to the value of the account number in the format database. Search using D1. When the format information is found, the format information search unit 202 transmits the format information to the requester of the format information.

  In the present embodiment, the deposit processing unit 203 of the server 2 performs a deposit process when remittance information is received from the payment terminal 3. Specifically, the deposit processing unit 203 refers to the account number and the paid amount included in the received remittance information, and performs the deposit processing of the paid amount to the account identified by the account number to the account system 4. Ask. The deposit processing unit 203 transmits the deposit processing result regarding the success or failure of the deposit processing to the payment terminal 3 that is the transmission source of the remittance information.

  In this embodiment, the deposited slip information storage unit 204 of the server 2 stores information on the payment handling slip 8 as paid slip information when the depositing to the account regarding the payment handling slip 8 is successful. Specifically, when the deposit to the account is successful, the deposit slip information storage unit 204 generates one deposit slip information for the deposit, and pays the generated deposit slip information to the deposit payment. Store in the handling slip database D2. The deposited slip information storage unit 204 assigns a notification number to the generated deposited slip information so that it is unique for each account.

  The payment slip information includes the contents entered in the communication field 803 read by the reading unit 305, the amount paid, the date of payment, and the like. However, regarding the payment handling slip 8, when there is no entry content in the communication field 803 read by the reading unit 305, the described content is not included in the paid slip information. Further, the paid slip information includes image data of the payment handling slip 8. The contents entered in the communication field 803 and the image data of the payment handling slip 8 are transmitted from the payment terminal 3 to the server 2 and included in the paid slip information.

  The account holder or the like can operate the payment management terminal 6 to view and acquire the deposited slip information stored in the deposited slip information storage unit 204. The server 2 provides the payment handling slip data acquisition screen as a Web page to the payment management terminal 6. Further, the server 2 outputs the paid slip information relating to the designated account as a payment handling slip data list and provides it to the payment management terminal 6.

  FIG. 12 is a diagram illustrating a payment handling slip data acquisition screen SC1. The payment handling slip data acquisition screen SC1 displays data related to one piece of deposited slip information stored in the deposited slip information database. With the payment handling slip data acquisition screen SC1, the account holder can acquire the paid slip information regarding the held account. In the payment handling slip data acquisition screen SC1 in FIG. 12, data relating to the paid slip information generated and stored for the payment by the payment handling slip 8 shown in FIG. 3B is displayed.

In the image browsing part SC11 provided on the left part of the payment handling slip data acquisition screen SC1, image data showing the payment handling slip is displayed. In the payment handling slip data column SC12 provided in the right part of the payment handling slip data acquisition screen SC1, information on the payment handling slip is displayed as character data. In the payment handling slip data column SC12, a payment information column SC121 in which information related to payment is displayed, a payer information column SC122 in which the contents of entry in the payer column 804 are displayed, and a communication column 80 are displayed.
3 is displayed, and a memo information field SC124 for displaying memo information about the payment handling slip 8 is provided. In addition, an operation button SC13 for changing the payment slip information to be displayed is provided below the image browsing unit SC11.

  The communication column information column SC123 is displayed based on the communication column table of the paid-in payment handling slip database D2 when there is an entry in the communication column 803 read by the reading unit 305. When the format information corresponding to the remittance destination account is not stored by the format information storage unit 201, the entry content of the communication column 803 is not read, and therefore the communication column information column SC123 is not displayed.

  The payment information column SC121, the payer information column SC122, and the memo information column SC124 are provided with a form that allows input and editing of character data. The account holder can input and edit data in the payment information column SC121, the payer information column SC122, and the memo information column SC124 while viewing the image data displayed on the image browsing unit SC11. In accordance with the input and editing, the deposited slip information stored in the deposited payment handling slip database D2 is changed. For example, the account holder inputs the entry contents of the communication column 803 into the communication column information column SC123 and the memo information column SC124 while referring to the display of the communication column 803 of the payment handling slip 8, or the communication column information column SC123. The character data entered in can be edited. According to such input and editing, character data related to the payment handling slip 8 can be input and edited easily and efficiently while referring to the display of the payment handling slip 8. Further, according to such input and editing, paper resources can be saved as compared with the case where character data is input with reference to a copy of the payment handling slip 8 printed on paper.

  FIG. 13 is a diagram illustrating output data of a payment handling slip data list. The payment handling slip data list is downloaded to the payment management terminal 6 as, for example, a CSV (Comma-Separated Values) file. The payment handling slip data list is a list of character data related to the deposited slip information of the specified account, which are collectively output from the deposited slip information database. In addition, when there is input and edited data on the payment handling slip data acquisition screen SC1, the input and edited character data is output.

  The deposited slip information output in the payment handling slip data list may be a list of deposited slip information that satisfies a certain condition. For example, a list of deposited voucher information that satisfies a certain condition may be a list of deposited voucher information having a handling date value corresponding to a payment date specified by the user from a user interface such as a calendar display or the like. It may be a paid slip information having a handling date value within a specified period. Further, the deposited slip information output in the payment handling slip data list may be all the deposited slip information related to the specified account. Moreover, the display format etc. of the item of the deposited slip information output in the payment handling slip data list, the value of each item, etc. may be adjusted and output based on a user's specification. For example, it may be output based on the designation of not outputting the item of “Memo 1”, the designation of displaying the date of handling in the Western calendar, the designation of the column width of the item of the amount to be paid. By doing in this way, the user can acquire desired payment slip information in a desired format.

  In the present embodiment, the deposited slip condition input unit 211 of the server 2 inputs conditions regarding the deposited slip information by specifying an account. The condition is represented by the consumption information described above. Further, the condition includes a condition related to the entry contents of the communication column 803 read by the reading unit 305, and is compared with the entry contents of the read communication column 803 included in the deposited slip information.

Specifically, the deposited slip condition input unit 211 provides a Web page for inputting application information to the payment management terminal 6 operated by the user who is logged in by the authentication unit. The deposited slip condition input unit 211 receives from the payment management terminal 6 an upload of a data file in which one or more pieces of application information are described in a table format via the Web page. At this time, the account associated with the logged-in account is the designated account. Upon receipt of the data file, the deposited slip condition input unit 211 stores the application information described in the data file in the application database D3 as application information of the designated account.

  Note that the deposited slip condition input unit 211 may accept the input of the application information by inputting into a form provided on the Web page or the like without uploading the data file.

  In the present embodiment, the deposited slip existence confirmation unit 212 of the server 2 determines whether the deposited slip information storage unit 204 stores the deposited slip information satisfying the condition input by the deposited slip condition input unit 211. To check.

  Specifically, the receipt slip confirmation unit 212 receives the application request from the payment management terminal 6 operated by the logged-in user, and among the application information stored in the application database D3, Confirm all the information related to the account information linked to the logged-in account. The application request is transmitted from the payment management terminal 6 via the Web page provided by the server 2.

  More specifically, first, the deposited voucher presence / absence confirmation unit 212 acquires all pieces of application information from the application database D3 using the account number of the account to be confirmed as a search key. Next, the payment slip presence check unit 212 generates a search expression for the condition represented by each of the acquired application information, and issues a query for searching the paid-in payment handling slip database D2. As a result of the search, when the deposited slip information is found, the deposited slip information is stored, and when the deposited slip information is not found, the deposited slip information is not stored. . Here, the paid slip information to be searched satisfies the following conditions. Conditions: (1) The account number of the deposited slip information is equal to the account number of the application information, and (2) the value of the entry in the communication column 803 set in the application key in the application information is It is the same as the application key value of the application information, and (3) the payment amount of the received slip information is equal to the amount of the application information, and (4) the date of handling of the received slip information is the application information. Is before the deadline.

  Next, the payment slip presence check unit 212 generates output data of the application result based on the search result of the payment processing document database D2 and outputs it to the payment management terminal 6.

  FIG. 14 is a diagram illustrating output data of the consumption result. In the present embodiment, the output data is represented in a table format, and is downloaded to the payment management terminal 6 as a CSV file, for example.

  In the table of FIG. 14, the account number “9911091234567” based on the data of the paid-in payment handling slip database D2 shown in FIG. 7 and the data of the application database D3 shown in FIG. 9 and FIG. The consumption result is shown. The table of FIG. 14 has columns of membership number, amount, deadline, date of handling, and application result. Information related to the application information is output in the column of member number, amount, and time limit. In the column of the consumption result, information on the consumption result is output.

For example, the erase result on the first line is “OK”. This means that the record R40 in FIG.
It shows that the deposited slip information satisfying the condition represented by the one application information is stored in the deposited slip information storage unit 204. That is, it means that there was a deposit under the following conditions. Conditions: (1) Deposit to account number “9911091234567” and (2) “1234” is entered in member number column 821 of communication column 803 of payment handling slip 8 used for deposit, and (3) The amount is “5000” yen, and (4) before December 31, 2012. For example, the consumption result of the second line is “NG”. This indicates that the deposited slip information that satisfies the condition indicated by the application information of the record R402 in FIG. 10 has not been stored by the deposited slip information storage unit 204.

  In this embodiment, binary values “OK” and “NG” are output as the application result. However, “insufficient amount” indicating that the amount of money received is insufficient, or payment exceeding the time limit. “Exceeding the time limit” or the like indicating that this has been done may also be output. In this case, the deposited slip presence / absence confirmation unit 212 generates a search formula that takes into account the amount of money and the value of the time limit.

  In the present embodiment, the description condition input unit 221 of the server 2 inputs the description condition regarding the description contents of the payment handling slip 8 by designating an account. The description conditions include conditions regarding the contents entered in the communication field 803 read by the reading unit 305.

  Specifically, the description condition input unit 221 provides a Web page for inputting description conditions to the payment management terminal 6 operated by the user who has logged in by the authentication unit. The description condition input unit 221 receives an input of a conditional expression describing the description condition from the payment management terminal 6 via the Web page. At this time, the account associated with the logged-in account is the designated account. The description condition input unit 221 stores the received conditional expression in the verification database D4 as the description condition of the designated account.

  In the present embodiment, the description condition confirmation unit 222 of the server 2 is the account specified for the description condition input by the description condition input unit 221 out of the received slip information stored in the received slip information storage unit 204. It is confirmed whether or not each of the deposited slip information of the item satisfies the description condition. Specifically, when the written condition confirmation unit 222 receives a written condition confirmation request from the payment management terminal 6 operated by the logged-in user, the paid slip information stored in the paid payment handling slip database D2 Among them, the confirmation is performed for all the deposited slip information of the account linked to the account that is logged in.

  More specifically, first, the description condition confirmation unit 222 acquires the description condition from the verification database D4 using the account number of the account to be confirmed as a search key. Next, the description condition confirmation unit 222 acquires a list of deposited slip information from the deposited payment handling slip database D2 using the account number of the account to be confirmed as a search key. Next, the description condition confirmation unit 222 determines whether or not the acquired description condition is satisfied for each of the acquired deposited slip information. Here, the authenticity of the conditional expression of the description condition is determined. The description condition confirmation unit 222 transmits the determined result to the payment management terminal 6 as a verification result described in the payment handling slip 8 and outputs it.

  FIG. 15 is a diagram illustrating output data of the verification result. In the present embodiment, the output data is represented in a table format, and is downloaded to the payment management terminal 6 as a CSV file, for example. In the present embodiment, the verification result is output together with the character data of the deposited slip information.

The table of FIG. 15 shows the verification result for the account with the account number “99123474654321” based on the data of the paid-in payment handling slip database D2 shown in FIG. 7 and the data of the verification database D4 shown in FIG. Has been. The table in FIG. 15 includes columns of a notification number, a verification result, a payment amount, a handling date, a dealer number, a product, a code 1, a unit price 1, a quantity 1, and a subtotal 1. Of these columns, the verification result is output to the verification result column. In the other columns, the character data of the deposited slip information is output.

  In FIG. 15, for example, the verification result in the first row is “OK”. This indicates that the deposited slip information represented by the record R111 in FIG. 7 satisfies the description condition represented by the record R501 in FIG. For example, the verification result of the second row is “NG”. This indicates that the deposited slip information represented by the record R112 in FIG. 7 does not satisfy the description condition represented by the record R501 in FIG.

  According to the description condition input unit 221 and the description condition confirmation unit 222 of the present embodiment, since the conditions regarding the description contents of the communication field 803 of the payment handling slip 8 input by the user are confirmed by computer processing, general remittance The validity of the contents described in the communication field 803, which is not confirmed by the system of, can be confirmed quickly and efficiently.

<Process flow>
The flow of processing of the information processing system 1 according to the present embodiment will be described with reference to FIGS. It should be noted that the specific contents and order of the processes shown in these drawings are examples, and it is preferable that processes suitable for the embodiment are appropriately adopted as the process contents and order.

  FIG. 16 is a diagram illustrating the flow of remittance processing. The flow of processing shown in FIG. 16 is described in an activity diagram of UML (Unified Modeling Language). This processing flow is triggered by, for example, the payment handling slip 8 being inserted into the insertion slot of the payment terminal 3 after the remittance menu is selected from the operation screen displayed on the display unit 38 of the payment terminal 3. Start.

  In step S101, the image acquisition unit 301 of the payment terminal 3 acquires image data in which the payment handling slip 8 is copied.

  In step S <b> 102, the remittance information reading unit 302 of the payment terminal 3 reads remittance information including the account number and the payment amount from the image data acquired by the image acquisition unit 301. At this time, a process for confirming whether the reading result is correct or incorrect may be performed.

  In step S <b> 103, the remittance processing unit 303 of the payment terminal 3 accepts cash corresponding to the payment amount via the deposit / withdrawal device 35.

  In step S104, the remittance processing unit 303 of the payment terminal 3 transmits remittance information to the server 2 and requests the server 2 for a deposit process.

  In step S105, the deposit processing unit 203 of the server 2 receives the remittance information from the payment terminal 3, and performs a deposit process. The deposit processing unit 203 transmits the deposit processing result to the payment terminal 3.

  In step S <b> 106, the remittance processing unit 303 of the payment terminal 3 receives the payment processing result from the server 2. At this time, the payment terminal 3 displays the received payment processing result on the display unit 38 to notify the user.

  If the deposit process result received in step S106 indicates that the deposit process is successful, the process proceeds to a reading process in the communication column 803 (symbol A). If the deposit process result indicates that the deposit process has failed, the process does not proceed to the reading process in the communication field 803 but ends as an error.

FIG. 17 is a diagram illustrating the flow of the reading process of the communication column 803 and the storage process of the deposited slip information. The process flow shown in FIG. 17 is described in the UML activity diagram.
The flow of this process starts when the deposit process result indicates the success of the deposit process after step S106 in FIG.

  In step S <b> 201, the payment terminal 3 transmits the image data of the payment handling slip 8 acquired by the image acquisition unit 301 to the server. In step S <b> 202, the deposited slip information storage unit 204 of the server 2 receives image data from the payment terminal 3.

  In step S <b> 203, the format information acquisition unit 304 of the payment terminal 3 transmits the value of the account number read by the reading unit 305 to the server 2 as format identification information, and requests the format information from the server 2.

  In step S204, the format information search unit 202 of the server 2 receives the value of the account number from the payment terminal 3, and searches for format information corresponding to the value of the account number using the format database D1.

  In step S205, the format information search unit 202 of the server 2 determines the search result of the format information. When it is determined in step S205 that the format information has been found, the format information search unit 202 transmits the found format information to the payment terminal 3 that requested the format information. In this case, the format information acquisition unit 304 of the payment terminal 3 acquires format information, and the process proceeds to step S206. If it is determined in step S205 that format information has not been found, the format information search unit 202 proceeds to step S207.

  In step S206, the reading unit 305 of the payment terminal 3 reads the information entered in the communication field 803 of the payment handling slip 8 from the image data obtained by copying the payment handling slip 8 according to the acquired format information. The payment terminal 3 transmits the information entered in the communication field 803 read by the reading unit 305 to the server 2.

  In step S207, the deposited slip information is generated and stored. Specifically, the deposited slip information storage unit 204 of the server 2 succeeds in the information received from the payment terminal 3 and the information entered in the communication column 803, the image data of the payment handling slip 8, and step S105 in FIG. Based on the information related to the deposit process, one deposited slip information is generated. Next, the deposited slip information storage unit 204 stores the generated deposited slip information in the deposited payment handling slip database D2.

  After step S207, the account holder of the remittance destination account can view and acquire the paid slip information stored in the paid payment handling slip database D2 on the payment handling slip data acquisition screen SC1 of FIG. become.

  FIG. 18 is a diagram illustrating the flow of the consumption process. The process flow shown in FIG. 18 is described in the UML activity diagram. This process is executed in the server 2. Also, this processing flow starts when the server 2 receives the application request from the payment management terminal 6 when the application information is input and stored in the application database D3. In this processing flow, for each piece of application information for the target account, an application result is determined according to the payment status at the time of processing, and a list of the determined application results is output.

  In step S301, the deposit voucher presence / absence confirmation unit 212 uses the account number of the target account, that is, the account number of the account linked to the logged-in account, as a search key to delete it from the application database D3. Get a list of included information. With respect to all the pieces of application information included in the list of application information acquired here, the application result is determined by the loop process constituted by steps S302 and S307.

  From step S302 to step S306, the consumption result is determined for one piece of consumption information.

  First, in step S302, the received slip existence confirmation unit 212 determines one application information whose application result has not been determined in the application process from the list of acquired application information. It is determined as the target consumption information. Next, in step S303, the payment slip presence confirmation unit 212 generates a search formula corresponding to the condition represented by the application information for the application result determination target, and searches the payment application document database D2.

  Next, in step S304, the deposited slip existence confirmation unit 212 determines the search result. If it is determined in step S304 that the deposited slip information has been found, the process proceeds to step S305. If it is determined in step S304 that no deposited slip information has been found, the process proceeds to step S306.

  In step S <b> 305, the deposited slip existence confirmation unit 212 determines that the application result is “OK” with respect to the application information for the application result determination target. In step S <b> 306, the deposited slip existence confirmation unit 212 determines the application result as “NG” with respect to the application information for the application result determination target. With regard to the application result determined in step S305 or S306, in the process flow of FIG. 18, the application result corresponding to all the application information is sent and output to the payment management terminal 6 in a batch in step S308. The In step S305 or S306, the determination result for one determined determination result may be immediately transmitted to the payment management terminal 6 and output.

  In step S307, the deposited slip existence confirmation unit 212 determines whether there is application information whose application result is undetermined in the application information list acquired in step S301. If it is determined in step S307 that there is consumption information whose determination result is undetermined, the process returns to step S302. If it is determined in step S307 that there is no undetermined consumption information, the process proceeds to step S308.

  In step S308, the deposited slip existence confirmation unit 212 generates output data of the application result illustrated in FIG. 14 based on the application result determined in step S305 or S306, and transmits the output data to the payment management terminal 6. To output.

  According to the flow of the above-described application process, the latest paid-in payment handling slip database D2 is referred to, and the application result determined according to the status of payment at that time is output. Further, when the server 2 receives the application request again from the payment management terminal 6 at a later date, the application result determined according to the payment status at that time is output again. Therefore, the account holder or the like can easily and quickly grasp the latest situation as to whether or not the deposit has been made as scheduled.

  FIG. 19 is a diagram illustrating the flow of the verification process of the description content. The process flow shown in FIG. 19 is described in the UML activity diagram. This process is executed in the server 2. This processing flow starts when the server 2 receives a description condition confirmation request from the payment management terminal 6 when the description condition is input and stored in the verification database D4. In this processing flow, a verification result is determined for each deposited slip information for the target account, and a list of the determined verification results is output.

  In step S401, the description condition confirmation unit 222 uses the account number of the account to be confirmed, that is, the account number of the account linked to the logged-in account, as a search key to set the description condition from the verification database D4. get.

  In step S402, the description condition confirmation unit 222 obtains a list of deposited slip information from the deposited payment handling slip database D2 using the account number of the account to be confirmed as a search key. With respect to all the deposited slip information included in the list of the deposited slip information acquired here, the verification result is determined by the loop processing configured in steps S402 and S407.

  In steps S403 to S406, the verification result is determined for one piece of deposited slip information.

  First, in step S403, the description condition checking unit 222 selects one piece of the received slip information that has not been verified in the verification process from the list of the received slip information acquired in step S402. Determine as information.

  Next, in step S404, the description condition confirmation unit 222 determines whether or not the payment slip information to be verified satisfies the description condition. If it is determined in step S404 that the verified slip information to be verified satisfies the description condition, the process proceeds to step S405. If it is determined in step S404 that the verified slip information to be verified does not satisfy the description condition, the process proceeds to step S406.

  In step S <b> 405, the description condition confirmation unit 222 determines that the verification result is “OK” regarding the payment slip information to be processed. In step S <b> 406, the description condition confirmation unit 222 determines that the verification result is “NG” regarding the payment slip information to be processed.

  In step S407, the description condition confirmation unit 222 determines whether or not there is unverified payment slip information in the list of payment slip information acquired in step S402. If it is determined in step S407 that there is unverified deposited slip information, the process returns to step S403. If it is determined in step S407 that there is no unverified deposited slip information, the process proceeds to step S408.

  In step S408, the description condition confirmation unit 222 generates output data of the verification result illustrated in FIG. 15 based on the verification result determined in step S405 or S406, and transmits it to the payment management terminal 6 for output. .

  As described above, according to the present embodiment, the contents entered in the communication column 803 of the payment handling slip 8 are read according to the format information corresponding to the account number read from the payment handling slip 8. Therefore, the contents entered in the communication field 803 filled in a format corresponding to the remittance destination account can be accurately read as character data or the like. Therefore, by providing the electronic data of the read information to the account holder of the remittance destination account, the account holder or the like uses the contents entered in the communication column 803 or the like to confirm whether there is a deposit or the communication column 803. It is possible to support suitably performing work associated with remittance, such as conversion of the contents described in 1) into electronic data. According to the present embodiment, it is possible to reduce work mistakes and realize quick processing by a computer, as compared with the case where work associated with remittance is performed by referring to the communication field 803 of the payment handling slip 8 visually.

  Further, according to the present embodiment, since the paid-in payment handling slip database D2 is searched under the conditions represented by the application information, the conditions regarding the contents entered in the communication column 8 included in the application information input by the account holder or the like Is compared with the contents entered in the communication field 803 of the paid-in payment handling slip 8, and the comparison result is output as the application result. Therefore, the payer, the purpose of remittance, etc. can be distinguished according to the contents entered in the communication field 803. For this reason, for example, it is possible to easily confirm the payment result that distinguishes the payer and the like.

In addition, according to the present embodiment, whether or not the contents entered in the communication field 803 of the paid-in payment handling slip 8 entered by the payer satisfies the description condition entered by the account holder of the remittance destination account or the like. Is confirmed. Therefore, it is possible to easily and quickly detect an error in the contents entered in the communication field 803.

≪Modification≫
In the embodiment described above, the format identification information for identifying the format information is an account number. In another embodiment, the format identification information may be a combination of an account number and sub-format identification information described in a predetermined format on the payment handling slip 8.

  FIG. 20 is a diagram illustrating a payment handling slip 8 according to another embodiment. In FIG. 20, the sub-format identification information expressed by the barcode 824 is described at a predetermined position in the communication column 803. The sub-format identification information may be expressed by characters, QR code (registered trademark), or the like.

  In the present embodiment, the format information storage unit 201 of the server 2 stores format information for each specific value of a set of account number and sub format identification information. For example, the value of the set of the account number and the sub format identification information corresponds to the format information corresponding to the account number “9911091234567” and the sub format identification information “1”, and the account number “9911091234567” and the sub format identification information “2”. The format information is stored as separate format information.

  According to the format information storage unit 201 of this embodiment, a plurality of format information can be stored for one remittance destination account.

  The format identification information may be a combination of an account number and a payment amount entered in the payment amount column 802 of the payment handling slip 8. In this way, a plurality of format information can be stored for one remittance destination account.

DESCRIPTION OF SYMBOLS 1 Information processing system 2 Server 3 Payment terminal 4 Account system 5 Network 6 Payment management terminal 7 Internet 8 Payment handling slip D1 Format database D2 Payment payment handling slip database D3 Consumption database D4 Verification database

Claims (10)

An information processing system that performs remittance processing to an account based on an image of a slip,
Format information for each specific value of the format identification information uniquely determined from the description of the slip , and format information storage means for storing format information of an area excluding at least the description column of the specific value among the description columns of the slip ;
The particular value of the format identification information, when it is detected from the characters listed in the default position of the slips caught on the image, acquires the format information corresponding to the detected specific value, according to the obtained format information, Reading means for reading from the image information that is not referred to in the remittance process entered in the slip;
With
The format identification information is determined according to the identification information of the remittance account described in the slip.
Information processing system.   A remittance unit for performing remittance processing of the slip regardless of whether the format information is stored in the format information storage unit;
  The information processing system according to claim 1.   The apparatus further comprises receiving means for outputting a screen for receiving editing of information read from the image by the reading means.
  The information processing system according to claim 1 or 2.   The reading means reads information from each field specified in a plurality of places in the acquired format information in the image.
  The information processing system according to any one of claims 1 to 3. This is a storage process that is executed after the acquisition process of the image showing the slip and the remittance process based on the remittance information read from the acquired image , and the deposit to the account was successful in the remittance process. case, including information read by the reading means from the image taken of the voucher, the information on the document, further comprising a payment completion voucher information storage means to execute a storage process of storing the money already slip information,
The information processing system according to any one of claims 1 to 4 . A payment slip condition input means for inputting a condition related to the received slip information including a condition related to information read by the reading means by designating an account;
A deposited slip existence confirmation unit for confirming whether or not the deposited slip information satisfying the input condition is stored by the deposited slip information storage unit;
The information processing system according to claim 5 , further comprising: The payment slip information includes a payment time indicating a time when money is deposited into the account in the remittance processing related to the slip,
Wherein the condition relates to documents entered by the document condition input means, Ru contains a condition concerning payment time,
The information processing system according to claim 6 . A description condition input means for designating and inputting a description condition regarding the description content of the slip, including a condition regarding information read by the reading means;
Whether or not each of the deposited slip information related to the account specified with respect to the entered description condition satisfies the entered description condition among the deposited slip information stored by the received slip information storage means. Description condition confirmation means for confirming,
The information processing system according to any one of claims 5 to 7 , further comprising: An information processing method for performing remittance processing to an account based on an image of a slip,
A computer comprising format information storage unit for storing format information for each specific value of format identification information uniquely determined from the description of the slip, and storing format information of an area excluding at least the specific value description column among the description columns of the slip By
The particular value of the format identification information, when it is detected from the characters listed in the default position of the slips caught on the image, acquires the format information corresponding to the detected specific value, according to the obtained format information, A reading step of reading information from the image that is not referred to in the remittance process entered in the slip is executed,
The format identification information is determined according to the identification information of the remittance account described in the slip.
Information processing method. A program for performing remittance processing to an account based on an image of a slip,
Computer
Format information for each specific value of the format identification information uniquely determined from the description of the slip , and format information storage means for storing format information of an area excluding at least the description column of the specific value among the description columns of the slip ;
The particular value of the format identification information, when it is detected from the characters listed in the default position of the slips caught on the image, acquires the format information corresponding to the detected specific value, according to the obtained format information, Reading means for reading from the image information that is not referred to in the remittance process entered in the slip;
Function as
The format identification information is determined according to the identification information of the remittance account described in the slip.
program.

Images