JP6307641B1 - Banking system and the method implemented in the banking system - Google Patents

Abstract

Provided is a processing method capable of efficiently processing a large amount of bills and reducing erroneous input. A banking system including a customer terminal and an Internet banking system, wherein the customer terminal extracts billing amount information, payment destination information, and designated transfer date information associated with imaging data selected by a login user; In response to the terminal displaying the extracted billing amount information, payee information and transfer designated date information and imaging data simultaneously on the customer terminal and in response to a positive instruction from the logged-in user, the Internet banking system Receiving billing amount information, payee information and transfer specified date information from the terminal, and generating general transfer data based on the received billing amount information, payee information and transfer specified date information Is done. [Selection] Figure 5

Description

  The present invention relates to a bank system and a method executed in the bank system. More particularly, the present invention relates to a corporate internet banking system provided by a banking system and a method performed by the corporate internet banking system.

  In recent years, many financial institutions (for example, banks) have provided Internet banking services for corporations so that corporate customers can receive the services provided by financial institutions without having to go to the counter of each branch office or ATM. ing. The corporate internet banking system can be accessed from a network-capable device such as a personal computer (PC), a tablet terminal, a mobile phone, or a smartphone owned by a corporate customer. Corporate customers can use various services provided by corporate internet banking systems (for example, transfer, transfer, general transfer, salary / bonus transfer, tax / payment of various charges) through these devices. it can.

  In large companies, there are companies that have introduced an invoice processing system (see Patent Document 1) for business transactions between companies, but in the case of SMEs and medium-sized companies, the burden of investment costs is large, so corporate internet Using a banking system, employees manually entered invoice data and processed payments for invoices. In other words, when a corporate customer of a small or medium-sized company receives an invoice from a business partner, it accesses the corporate internet banking system from a device such as a PC, and enters the necessary data on the application screen prepared in advance. , Creating transfer data. When there are a plurality of invoices, a corporate customer can use a “total transfer” service that can collectively transmit a plurality of transfer data of the same designated date to the bank system.

JP 2004-206253 A

  However, when corporate customers of small and medium-sized businesses receive a large amount of invoices at a time, the amount of work is large when generating transfer data from paper invoices using the Internet banking system. In addition, human error such as erroneous input sometimes occurred. Although the application screen provided by the conventional corporate internet banking system provided a function to enter the transfer data one by one, so that a large amount of invoices can be efficiently made and input errors can be reduced. Did not provide the correct processing function.

  The present invention has been made in view of such problems, and a processing method in which a corporate customer using a corporate internet banking system can efficiently process a large amount of bills and reduce erroneous input. It is an object of the present invention to provide a corporate internet banking system and a method executed by the corporate internet banking system.

  In order to solve the above-mentioned problem, according to one aspect of the present invention, there is provided a banking system including a customer terminal and an internet banking system, wherein the customer terminal is associated with imaging data selected by a logged-in user. Extracting the payee information and the designated transfer date information, and the customer terminal simultaneously displays the extracted billing amount information, the payee information and the designated transfer date information, and the imaging data on the customer terminal. And in response to a positive instruction by the logged-in user, the Internet banking system receives the bill amount information, the payee information, and the designated transfer date information from the customer terminal. Based on the billed amount information, the payee information and the designated transfer date information, Configured to perform generating a, characterized in that.

  According to one aspect of the present invention, a method executed in a bank system including a customer terminal and an internet banking system includes billing amount information, payee information, and transfer associated with imaging data selected by a login user. Extracting specified date information; simultaneously displaying the extracted billing amount information, the payee information and the transfer specified date information, and the imaging data on the customer terminal; In response to a positive instruction by the user, the Internet banking system receives the billed amount information, the payee information and the designated transfer date information from the customer terminal, and the received billed amount information, Generate comprehensive transfer data based on the payee information and the specified transfer date information. Obtain, characterized in that.

  According to another aspect of the present invention, a bank system that is communicably connected to a customer terminal extracts and extracts billing amount information, payment destination information, and transfer designation date information associated with imaging data selected by a login user. The billing amount information, the payee information and the designated transfer date information, and the imaging data are simultaneously displayed on the customer terminal, and in response to a positive instruction from the logged-in user, the billing from the customer terminal Receiving the amount information, the payee information and the designated transfer date information, and generating the total transfer data based on the received bill amount information, the payee information and the designated transfer date information; It is characterized by.

  According to another aspect of the present invention, a method executed by a bank system communicatively connected to a customer terminal includes billing amount information, payment destination information, and transfer designation date information associated with imaging data selected by a login user. And extracting the billed amount information, the payee information and the transfer designated date information, and the imaged data simultaneously on the customer terminal, and responding to a positive instruction from the login user. Receiving the billed amount information, the payee information, and the designated transfer date information from the customer terminal, and making a comprehensive transfer based on the received billed amount information, the payee information, and the designated transfer date information Comprising generating data.

  According to the present invention, it is possible to efficiently transfer a large number of invoices by using an application for a corporate internet banking system and reduce erroneous input, and then perform a transfer.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.
It is a block diagram of the whole system containing the internet banking system for corporations concerning this invention. It is a system block diagram of IB system and a customer terminal. It is a figure explaining an example of the data structure of a customer master. It is a figure explaining an example of the data structure of transfer basic information. It is a processing flow performed by a customer terminal and an IB system. It is a figure which shows an example of the screen of IB application.

  Hereinafter, embodiments of the present invention will be described in detail. The corporate internet banking application described in this specification may be a native application (an application downloaded to a tablet terminal or a smartphone) or a web application (via a browser installed on a personal computer). Application that can be accessed on the Internet. The native application is not executed on the customer terminal stand-alone, but is executed while appropriately communicating with the corporate internet banking system 100. For example, the validity check of the bank code, branch code, account code, and account number of the transfer destination may be performed by communicating with the Internet banking system, and other functions may also be communicated with the Internet banking system. May be performed.

  The term “bank” used in the present specification is used to indicate a financial institution capable of transferring funds through the Zengin Network, for example, to exclude a credit union or a credit union. Not used.

(overall structure)
FIG. 1 is a configuration diagram of the entire system including a corporate internet banking system 100 (hereinafter referred to as “IB system 100” in the present specification) according to the present invention. The financial institution 1 has an IB system 100 and a billing system host 110 that are interconnected. The IB system 100 can transmit and receive various data by communicating with the billing system host 110. The account host 110 is a system conventionally used by the financial institution 1 and is a system capable of executing a transfer process such as a comprehensive transfer. The IB system 100 can be connected to one or a plurality of customer terminals 120 via the network 130, and various services (for example, inquiry of balance and deposit / withdrawal details, transfer, etc.) via an application as described herein. Transfers, time deposits, reserve applications, etc.) can be provided to the corporate customer 2. The network 130 may be any well-known network that can communicate with each other, including the Internet, and is not particularly limited.

  The customer terminal 120 can be a tablet terminal, a smartphone, or any other type of device that can operate in a wired or wireless environment that can download and use applications from the IB system 100. Alternatively, the customer terminal 120 may be a device such as a personal computer (PC) that can use an application provided by the IB system 100. That is, the customer terminal 120 may be a device that can use a native application or a device that can use a web application. In FIG. 1, only one customer terminal 120 is shown for convenience of explanation, but there may be more customer terminals 120 than the number of corporate customers 2 using the IB system 100 (employees among one corporate customer 2 are employees). Multiple terminals may be used depending on the role of the user).

(System configuration)
FIG. 2 is a system configuration diagram of the IB system 100 and the customer terminal 120. As shown in FIG. 2, the IB system 100 includes a control unit 201, a main storage unit 202, an auxiliary storage unit 203, an interface (IF) unit 204, and an interconnected unit such as a bus 210, as in a general computer. An output unit 205 can be provided. Further, the IB system 100 can include a customer master 206 and general transfer data 207. The IB system 100 receives data of the customer master 206 from the account host 110 by communicating with the account host 110, and also updates the data of the customer master 206 updated in the IB system 100. The data of the customer master 206 can be synchronized. The IB system 100 can transmit the data stored in the comprehensive transfer data 207 at a predetermined cycle to the account system host 110, and the account system host 110 can receive the data based on the received general transfer data 207. Transfer processing can be performed.

  As shown in FIG. 2, the customer terminal 120 includes a control unit 211, a main storage unit 212, an auxiliary storage unit 213, an interface (IF) unit 214, and the like connected to each other via a bus 220, as in a general computer. An output unit 215 can be provided. Further, the customer terminal 120 can include photo data 216 and transfer basic information 217. The customer terminal 120 can transmit the data of the photo data 216 and the data of the transfer basic information 217 to the IB system 100 by communicating with the IB system 100. The data of the photo data 216 and the data of the transfer basic information 217 transmitted to the IB system 100 are stored in the main storage unit 202 and used when executing processing as described later. In one embodiment of the present invention, the IB system 100 may be configured to permanently store the received photo data 216 data and transfer basic information 217 data.

  The control unit 201 is also called a central processing unit (CPU), performs control of each component in the IB system 100 and computation of data, and stores various programs stored in the auxiliary storage unit 203 into the main storage unit 202. Can be read and executed. The main storage unit 202 is also called a main memory, and can store various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device typified by a hard disk (HDD) and is used when data and programs are stored for a long period of time.

  Each of the control unit 211, the main storage unit 212, and the auxiliary storage unit 213 can perform the same functions as the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 in the customer terminal 120.

  In the embodiment of FIG. 2, an embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided in the same server computer will be described. However, as another embodiment, the IB system 100 includes the control unit 201, By using a plurality of main storage units 202 and auxiliary storage units 203, parallel distributed processing by a plurality of server computers can be realized. As another embodiment, a plurality of servers for the IB system 100 may be installed, and a plurality of servers may share one auxiliary storage unit 203.

  The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. Can do. The output unit 205 can provide a display screen for displaying the processed data, a printing unit for printing the data, and the like.

  The IF unit 214 can perform the same function as the IF unit 204, and the output unit 215 can display various screens and various data of the application.

  The customer master 206 is a customer master file that stores basic information and contract information of the corporate customer 2 that is dealing with the financial institution 1. The basic information can include a corporate identifier, corporate name, address, contact information, etc., and the contract information includes the arrangement items when using the IB system 100 (for example, the designation of an account used at the time of transfer, the system user) Designations, etc.), but is not limited to the information presented herein. FIG. 3 is a diagram for explaining an example of the data structure of the customer master 206. As shown in FIG. 3, the customer master 206 can include a customer ID 301, a password 302, a withdrawal account 303, a transfer designation date 304, a transfer destination designation 305, and an approver notification destination 306. It is not limited, and other data items (for example, attribute information such as customer name and address) can be included. The customer master 206 can also function as a common master for providing common data items of the corporate customer 2 in the system controlled by the financial institution 1. In such a case, the customer master 206 is executed by the system controlled by the financial institution 1. It can be used in multiple applications.

  The customer ID 301 is an identifier for identifying the corporate customer 2 and can be used as a user ID when accessing the IB system 100. The password 302 is authentication information for accessing the IB system 100. A plurality of customer IDs 301 and passwords 302 may be assigned to the corporate customer 2. The withdrawal account 303 is a transaction account established by the corporate customer 2 in the financial institution 1, and information on an account that becomes a withdrawal account (transfer source account) at the time of transfer, that is, a bank code, a branch code, Shows the course code, account number, and account name (Kana).

  The designated transfer date 304 indicates a default transfer date when the corporate customer 2 makes a transfer, and indicates information such as the next business day, two business days after the transfer data arrives at the account host 110, for example. In the present invention, when the information on the designated transfer date is not described in the invoice, the information on the designated transfer date 304 is used as the date on which the customer performs the transfer. On the other hand, if the information on the designated transfer date is listed on the invoice, the transfer designated date displayed on the application screen (or the modified designated transfer date) will be transferred by the customer, as will be described later. Used as the date to perform

  The transfer destination specification 305 is information indicating which transfer destination account is specified when the invoice includes a plurality of transfer destination accounts. For example, priority is given to the bank, priority on the top row, leftmost column. Priority of description. If bank transfer priority is specified, and the transfer destination account is the account of the financial institution 1, the transfer is made to the transfer destination account of the financial institution 1. The priority given to the top row and the priority given to the leftmost column are properly used depending on how a plurality of bank accounts are described in the invoice (see Pattern A and Pattern B below).

(Pattern A: “Top row” priority)
Bank name A Branch name a Subject Account number Account Kana name Bank name B Branch name b Subject Account number Account Kana name Bank name C Branch name c Subject Account number Account Kana name

(Pattern B: “Leftmost column” priority)
Bank name A Bank name B Bank name C
Branch name a Branch name b Branch name c
Subject Subject Subject Account number Account number Account number Account name Kana name Account name Kana name Name Kana

  In the pattern A, the bank name A row is described at the top, so the information described in the bank name A row is used as the information on the bank account. In the pattern B, since the bank name A column is described in the leftmost column, the information described in the bank name A column is used as information on the bank account.

  The approver notification destination 306 indicates notification destination information (for example, an e-mail address) of an approver in the position of approving the transfer contents inside the corporate customer 2. The approver may be a senior person inside the corporate customer 2.

  Returning to FIG. 2, the comprehensive transfer data 207 is a database that can store a data set in a comprehensive transfer format generated by the IB system 100. As is well known to those skilled in the art, the general transfer data 207 indicates transfer data according to the Zenginkyo establishment format, and includes a header record, a data record, a trailer record, and an end record. The header record includes information on the transfer client and withdrawal account, the data record includes information on the bank account and transfer amount, the trailer record includes information on the total number of transfers and the total amount, The end record includes information indicating the end of data. Further, the general transfer data 207 includes a flag (approval flag) indicating whether or not the approval by the approver of the corporate customer 2 has been made, and a flag (account link flag) indicating whether or not data transmission to the account host 110 has been performed. Can have. When the approval flag of the general transfer data 207 indicates unapproved, the IB system 100 can make an approval request indicating the data to the approver of the corporate customer 2, while if indicating approval. Can transmit the data to the accounting host 110. The value of the account linkage flag can be set in response to the data of the general transfer data 207 being transmitted from the IB system 100 to the account host 110.

  The photograph data 216 can store imaging data. In the description of the present specification, it is described that the photograph data 216 stores the imaging data of the bill, but there is no problem even if other imaging data is stored. When the customer terminal 120 is a device such as a smartphone, the imaging data stored in the photo data 216 is stored at the time of imaging with a built-in camera or the like, while when the customer terminal 120 is a device such as a PC, For example, data captured by an external device such as a digital camera or a smartphone is stored after being received by wire or wireless. The photograph data 216 may be a known storage existing in the customer terminal 120.

  The basic transfer information 217 is basic transfer information generated based on the imaging data of the invoice in the photo data 216 (for example, bank name, branch name, subject name, account number, account name, transfer amount, transfer date, etc.) Can be stored. The transfer basic information 217 is displayed on the display of the customer terminal 120 and can be corrected by the person in charge of the corporate customer 2. The corrected information can be stored in the transfer basic information 217. As illustrated in FIG. 4, the basic transfer information 217 can include a customer ID 301, imaging data identification information 401, a billing amount 402, payment destination information 403, and a designated transfer date 404.

  In the present invention, the user of the corporate customer 2 logs in to the IB system 100, specifies the photo data 216 via the application provided by the IB system 100, and the transfer basic information 217 is generated based on the specified photo data 216. Therefore, the customer ID 301 of the transfer basic information 217 indicates the customer ID 301 of the logged-in corporate customer 2.

  The imaging data identification information 401 is imaging data stored in the photo data 216, and is a source from which the transfer basic information 217 is generated via an application (native application, Web application) provided by the IB system 100. This is identification information for identifying imaging data.

  The invoiced amount 402, the payee information 403, and the designated transfer date 404 are the invoiced amount information and the payee information (bank, branch) acquired from the imaging data (invoice data) from which the basic transfer information 217 is generated. , Subject, account number, account name) and transfer designated date information. Some invoices do not have a designated transfer date. In such a case, the NULL value may be set as the initial value for the designated transfer date 404. When it is a NULL value, the transfer designated date 404 may be input by the user of the corporate customer 2 or may be set based on the information of the transfer designated date 304.

  Next, referring to FIG. 5 and FIG. 6, the processing flow from capturing an invoice to automatically generating transfer data is shown in the embodiment using the native application (first embodiment) and the web application. Both of the embodiments to be used (second embodiment) will be described. As a precondition of the first embodiment, an application for using the IB system 100 (a native application referred to as “first IB application” in this specification) is downloaded to a customer terminal 120 such as a smartphone or a tablet terminal. It is assumed that As a precondition of the second embodiment, a customer terminal 120 such as a PC accesses and uses a Web application provided by the IB system 100 (a Web application referred to as a “second IB application” in this specification). It shall be possible.

  The first IB application is a program stored in the auxiliary storage unit 213 of the customer terminal 120, and is read out and executed by the control unit 211 of the customer terminal 120 in the main storage unit 212 at the time of execution. The first IB application can activate an imaging device (for example, a camera) incorporated in a smartphone or a tablet-type terminal, and discriminates information that matches a specific condition from photo data 216 generated by the imaging device. The determined data can be stored in the transfer basic information 217. Further, the first IB application can provide various functions of Internet banking to the corporate customer 2 through communication with the IB system 100. The customer terminal 120 can access the customer master 206 and the general transfer data 207 via the first IB application, and can transmit the data of the photo data 216 and / or basic transfer information 217 to the IB system 100. it can. The IB system 100 may be configured to store the data of the photo data 216 and / or basic transfer information 217 in the main storage unit 202, or the IB system 100 may include the data of the photo data 216 and basic transfer information 217. May be configured to be stored permanently.

  The second IB application is a program stored in the auxiliary storage unit 203 of the IB system 100. At the time of execution, the IB system 100 can provide various screens of the second IB application to the customer terminal 120. . The second IB app can be configured to display the storage location (eg, folder) of the photo data 216 of the customer terminal 120.

  Hereinafter, the processing flow of the embodiment using the native application (first IB application) according to the first embodiment will be described with reference to FIGS. 5 and 6.

  FIG. 5 is a processing flow executed by the customer terminal 120 and the IB system 100. In S501, the user (person in charge) of the corporate customer 2 activates the first IB application on the customer terminal 120 by, for example, tapping the icon of the first IB application, and is assigned. You can enter your login ID and password. The first IB application activated on the customer terminal 120 makes an inquiry to the customer master 206 of the IB system 100 based on the input login ID and password, and the IB system 100 performs authentication processing in response to the inquiry. I do. When the authentication process is successfully performed, the first IB application can display the menu screen 600 illustrated in FIG. 6A on the display of the customer terminal 120. When making an inquiry to the customer master 206, data such as a withdrawal account 303, a transfer designation date 304, a transfer destination designation 305, and an approver notification destination 306 associated with the login ID stored in the customer master 206 are acquired in advance. May be stored in the main storage unit 212.

  In S502, when the user (person in charge) of corporate customer 2 selects the menu for camera activation 601, an imaging device (for example, a camera) built in customer terminal 120 such as a smartphone or a tablet terminal is activated. After the imaging device is activated, the user of the corporate customer 2 images a paper bill one by one. The imaged data is stored in the photo data 216.

  Thereafter, when the user of the corporate customer 2 selects the transfer data creation 602 menu on the menu screen 600, the customer terminal 120 receives the image data stored in the photo data 216 via the first IB application. The screen to select can be displayed. The captured data selection screen may display the captured photographic data 216 side by side or display thumbnail images, and is not particularly limited. When any one photo data 216 is selected by the user of the corporate customer 2, the customer terminal 120 sends the bill amount, the payee, and the transfer included in the selected photo data 216 via the first IB application. Processing to extract information on a specified date can be performed.

  For example, the first IB application can determine that the largest amount of money amount information (numerical information) included in the photo data 216 is the billing amount. Alternatively, the first IB application may determine the amount information described in an area adjacent to predetermined character information (for example, “billed amount”) as the charged amount.

  In addition, the first IB application uses character information indicating a financial institution (for example, “bank”, “credit bank”, etc.) as a landmark, a bank, a branch, a subject, an account number, and an account name in the vicinity of the character information. It can be determined that information such as (Kana) is payee information. When there are a plurality of character information indicating financial institutions, the first IB application can determine a financial institution to be selected according to the information of the transfer destination designation 305 acquired in advance on the customer terminal 120. For example, when there are a plurality of pieces of character information indicating a financial institution, the first IB application can determine the information in the uppermost column or the leftmost column as the payee information. Each piece of information of a financial institution as a payee can be displayed like the pattern A or the pattern B described above depending on the invoice, so the first IB application uses the information in the uppermost column or the leftmost column as the payee. It can be judged as information.

  In addition, the first IB application determines whether or not character information (for example, predetermined character information such as “expiration date”) indicating the designated transfer date is included in the photo data 216. If it is determined, date information in the vicinity thereof can be extracted. For example, when the date information has a notation such as “end of February”, the first IB application specifies specific date information (for example, 2017-02-28) based on available calendar information. be able to. When the information indicating the designated transfer date cannot be read, the first IB application can set the transfer date based on the information of the designated transfer date 304 acquired in advance on the customer terminal 120.

  In S503, the customer terminal 120 displays a basic transfer information editing screen 610 as illustrated in FIGS. 6B and 6C on the display via the first IB application. 6B and 6C show how the display looks according to the inclination of the customer terminal 120. FIG. The transfer basic information editing screen 610 can be configured to simultaneously display the transfer basic information display field 611 and the imaging data display field 612 adjacent to each other. The display positions of the transfer basic information display field 611 and the imaging data display field 612 shown in FIGS. 6B and 6C may be reversed. In the imaging data display field 612, photo data 216 selected by the person in charge of the corporate customer 2 is displayed. The basic transfer information display field 611 can initially display data of the charge amount 402, the payee information 403, and the designated transfer date 404 extracted from the photo data 216 displayed in the captured data display field 612. In the first IB application, from which region of the photograph data 216 (imaging data) displayed in the imaging data display column 612 each of the billing amount 402, the payee information 403, and the designated transfer date 404 data is extracted. Can be configured to specify. For example, the first IB application displays an area on the photo data 216 corresponding to each of the data of the charge amount 402, the payee information 403, and the designated transfer date 404 with a figure such as a rectangle or an ellipse (color-coded for each item). Can be specified).

  In S <b> 504, the user of the corporate customer 2 displays the charge amount 402 displayed in the transfer basic information display field 611, the payee information 403 and the data of the designated transfer date 404, and the photograph displayed in the imaging data display field 612. The data 216 or the paper bill is checked to determine whether correction is necessary. If it is determined that correction is necessary, the user of the corporate customer 2 corrects one or more of the data of the charge amount 402, the payee information 403, and the transfer designated date 404 displayed in the transfer basic information display field 611. be able to. The correction operation can be performed by an operation method provided by the customer terminal 120 (for example, input through a character input interface built in a smartphone or a tablet terminal). The customer terminal 120 can determine whether there is correction information input by the user of the corporate customer 2 via the first IB application. If it is determined that there is correction information, that is, if it is determined that there is any difference from the initially displayed data, the process proceeds to S505. If there is no correction, the process proceeds to S506.

  In S505, the customer terminal 120 can store data in the transfer basic information 217 based on the corrected information via the first IB application. In this case, the customer ID 301 for identifying the corporate customer 2 and the imaging data identification information 401 for identifying the photograph data 216 displayed in the imaging data display field 612 are also stored in the transfer basic information 217.

  If there is no other invoice to be processed in S506, the user of the corporate customer 2 can press a confirmation button (not shown) on the transfer basic information editing screen 610. Alternatively, the user of the corporate customer 2 can return to S502 and perform processing by pressing a next button (not shown) when there is another invoice. The repeated processing can be performed for the number of bills. In such a case, after all the invoices have been processed, a confirmation button (not shown) may be pressed.

  In response to pressing of a confirmation button (not shown), the customer terminal 120 transmits one or more data of the confirmed transfer basic information 217 to the IB system 100 via the first IB application. can do. The IB system 100 can store one or more received data. The IB system 100 can also receive the photo data 216 from the customer terminal 120.

  In S507, the IB system 100 generates a data set in a comprehensive transfer format for each data whose transfer specified date 404 included in the received transfer basic information 217 is the same date, and stores the generated data set in the comprehensive transfer data 207. can do. More specifically, the IB system 100 generates the header record by acquiring the withdrawal account 303 associated with the customer ID 301 of the data having the same designated transfer date 404 from the customer master 206, and includes it in the basic transfer information 217. An end record can be generated after generating a data record based on the charged amount 402 and the payee information 403 and generating a trailer record from information on the total number and total amount of the generated data record. For this reason, the general transfer data 207 stores a data set in a general transfer format for each customer ID-specific transfer designated date.

  After generating the data set in the comprehensive transfer format, the IB system 100 makes an inquiry to the customer master 206 based on the customer ID 301 included in the basic transfer information 217 and obtains the approver notification destination 306 (for example, an e-mail address). Then, the approver of the corporate customer 2 can be notified that the transfer data to be approved has occurred, that is, an approval request can be made. The notification means is not limited to electronic mail, and may be well-known messaging software.

  In S508, in response to the fact that the approver of corporate customer 2 has logged in, IB system 100 reads a set of unapproved total transfer data from total transfer data 207 and displays it on customer terminal 120 (for example, a PC). Can be displayed above. The approver of the corporate customer 2 performs an approval process on the displayed set of general transfer data (for example, presses an approval button).

  In S <b> 509, the IB system 100 transmits the approved total transfer data set to the account host 110. The set of total transfer data transmitted is processed by the account host 110 so as to be transferred on the date specified on the transfer specified date 404.

  Next, a processing flow of an embodiment using the Web application (second IB application) according to the second embodiment will be described with reference to FIGS. 5 and 6. In the case of the second embodiment using the second IB application, the photo data 216 and the transfer basic information 217 can be stored in the IB system 100. Therefore, the photo data stored on the PC can be stored in the IB system 100 together with the transfer basic information 217 generated based on the photo data 216 after being selected on the screen of the second IB application.

  In S501, the user (person in charge) of the corporate customer 2 uses the customer terminal 120 to access the site provided by the IB system 100 and displays the login screen of the second IB application. The user of the corporate customer 2 can input the assigned login ID and password on the login screen. The IB system 100 makes an inquiry to the customer master 206 based on the input login ID and password, and performs an authentication process. When the authentication process is successfully performed, the IB system 100 can display the menu screen 600 on the display of the customer terminal 120 via the second IB application. In such a case, the menu screen 600 may be configured such that the menu of the camera activation 601 is not displayed. When making an inquiry to the customer master 206, data such as a withdrawal account 303, a transfer designation date 304, a transfer destination designation 305, and an approver notification destination 306 associated with the login ID stored in the customer master 206 are acquired in advance. It may be stored in the storage unit 202.

  In S502, when the user (person in charge) of corporate customer 2 selects the menu of transfer data creation 602 on menu screen 600, the second IB application uses the imaging data stored in photo data 216 of customer terminal 120. The screen to select can be displayed. The captured data selection screen may display the captured photographic data 216 side by side or display thumbnail images, and is not particularly limited. When any one piece of photo data 216 is selected by the user of the corporate customer 2, the IB system 100 sends a bill amount, a payee, and a transfer included in the selected photo data 216 via the second IB application. Processing to extract information on a specified date can be performed.

  In S503, the IB system 100 can display the basic transfer information editing screen 610 as illustrated in FIGS. 6B and 6C on the display of the customer terminal 120 via the second IB application. it can. The user of the corporate customer 2 can display the transfer basic information editing screen 610 by any display method in FIGS. 6B and 6C. The transfer basic information editing screen 610 can be configured to simultaneously display the transfer basic information display field 611 and the imaging data display field 612 adjacent to each other. The display positions of the transfer basic information display field 611 and the imaging data display field 612 shown in FIGS. 6B and 6C may be reversed. In the imaging data display field 612, photo data 216 selected by the person in charge of the corporate customer 2 is displayed. The basic transfer information display field 611 can initially display data of the charge amount 402, the payee information 403, and the designated transfer date 404 extracted from the photo data 216 displayed in the captured data display field 612. In the second IB application, from which region of the photograph data 216 (imaging data) displayed in the imaging data display field 612 each of the data of the billing amount 402, the payee information 403, and the designated transfer date 404 is extracted. Can be configured to specify. For example, the second IB application displays an area on the photo data 216 corresponding to each of the data of the billing amount 402, the payee information 403, and the designated transfer date 404 by a figure such as a rectangle or an ellipse (color-coded by each item). Can be specified).

  In S <b> 504, the user of the corporate customer 2 displays the charge amount 402 displayed in the transfer basic information display field 611, the payee information 403 and the data of the designated transfer date 404, and the photograph displayed in the imaging data display field 612. The data 216 or the paper bill is checked to determine whether correction is necessary. If it is determined that correction is necessary, the user of the corporate customer 2 corrects one or more of the data of the charge amount 402, the payee information 403, and the transfer designated date 404 displayed in the transfer basic information display field 611. be able to. The correction operation can be performed by an operation method provided by the customer terminal 120 (for example, input through a keyboard or a mouse). The IB system 100 can determine whether there is correction information input by the user of the corporate customer 2. If it is determined that there is correction information, that is, if it is determined that there is any difference from the initially displayed data, the process proceeds to S505. If there is no correction, the process proceeds to S506.

  In S505, the IB system 100 can store data in the transfer basic information 217 based on the information corrected through the second IB application. In this case, the customer ID 301 for identifying the corporate customer 2 and the imaging data identification information 401 for identifying the photograph data 216 displayed in the imaging data display field 612 are also stored in the transfer basic information 217.

  If there is no other invoice to be processed in S506, the user of the corporate customer 2 can press a confirmation button (not shown) on the transfer basic information editing screen 610. Alternatively, the user of the corporate customer 2 can return to S502 and perform processing by pressing a next button (not shown) when there is another invoice. The repeated processing can be performed for the number of bills. In such a case, after all the invoices have been processed, a confirmation button (not shown) may be pressed.

  In response to pressing of a confirmation button (not shown), the IB system 100 can store one or more data of the confirmed transfer basic information 217. The IB system 100 can also store photo data 216.

  In S507, the IB system 100 generates a data set in a comprehensive transfer format for each data whose transfer specified date 404 included in the transfer basic information 217 is the same date, and stores the generated data set in the comprehensive transfer data 207. Can do. After generating the data set in the comprehensive transfer format, the IB system 100 makes an inquiry to the customer master 206 based on the customer ID 301 included in the basic transfer information 217 and obtains the approver notification destination 306 (for example, an e-mail address). Then, the approver of the corporate customer 2 can be notified that the transfer data to be approved has occurred, that is, an approval request can be made. The notification means is not limited to electronic mail, and may be well-known messaging software.

  In S508, in response to the fact that the approver of corporate customer 2 has logged in, IB system 100 reads a set of unapproved total transfer data from total transfer data 207 and displays it on customer terminal 120 (for example, a PC). Can be displayed above. The approver of the corporate customer 2 performs an approval process on the displayed set of general transfer data (for example, presses an approval button).

  In S <b> 509, the IB system 100 transmits the approved total transfer data set to the account host 110. The set of total transfer data transmitted is processed by the account host 110 so as to be transferred on the date specified on the transfer specified date 404.

  In the above-described embodiment, it has been described that the user of the corporate customer 2 is performing identity verification by logging in to the IB application. In another embodiment of the present invention, the following method may be employed to verify the identity.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can adopt an embodiment as, for example, a system, apparatus, method, program, or storage medium.

1 Financial Institution 2 Corporate Customer 100 Internet Banking System (IB System)
110 Account host 120 Customer terminal 201, 211 Control unit 202, 212 Main storage unit 203, 213 Auxiliary storage unit 204, 214 Interface (IF) unit 205, 215 Output unit 206 Customer master 207 Total transfer data 210, 220 Bus 216 Photo Data 217 Basic transfer information 600 Menu screen 610 Basic transfer information edit screen

Claims (9)

A banking system including a customer terminal and an internet banking system,
The customer terminal extracts billing amount information associated with the imaging data selected by the logged-in user, payee information and transfer designation date information;
The customer terminal displays the extracted billing amount information, the payee information and the transfer designated date information, and the imaging data simultaneously on the customer terminal;
In response to a positive instruction by the logged-in user, the Internet banking system
Receiving the billed amount information, the payee information and the designated transfer date information from the customer terminal;
A bank system configured to execute generating total transfer data based on the received bill amount information, the payee information, and the designated transfer date information. The internet banking system generates the total transfer data for each date indicated by the received transfer designated date information based on the billed amount information, the payee information, and the withdrawal account information associated with the logged-in user. The banking system of claim 1, further configured to perform:   The customer terminal determines whether any of the billing amount information, the payee information and the transfer designated date information displayed on the customer terminal has been changed. The bank system according to claim 1, further configured to execute sending the bill amount information, the payee information, and the designated transfer date information to the Internet banking system.   When the extracted transfer date information is a NULL value, the customer terminal executes determining the transfer date information based on transfer date determination information previously associated with the login user. The banking system according to claim 1, further configured. For each of the selected imaging data, after performing the extraction and simultaneously displaying on the customer terminal,
In response to an affirmative instruction from the logged-in user, the Internet banking system receives the bill amount information, the payee information, and the designated transfer date information for each of the imaging data from the customer terminal. The banking system of claim 1, further configured to perform.   In response to a positive instruction by the logged-in user, the Internet banking system is configured to send an approval request for the generated general transfer data to an approver associated with the logged-in user. The bank system according to claim 1, further configured to: A method implemented in a banking system including a customer terminal and an internet banking system,
The customer terminal extracts billing amount information associated with the imaging data selected by the logged-in user, payee information and transfer designation date information;
The customer terminal displays the extracted billing amount information, the payee information and the transfer designated date information, and the imaging data simultaneously on the customer terminal;
In response to a positive instruction by the logged-in user, the Internet banking system
Receiving the billed amount information, the payee information and the designated transfer date information from the customer terminal;
Generating total transfer data based on the received billing amount information, the payee information, and the specified transfer date information. A banking system connected to a customer terminal so that it can communicate with
Extract billing amount information, payee information and transfer specified date information associated with the imaging data selected by the logged-in user,
The extracted billing amount information, the payee information and the transfer designated date information, and the imaging data are simultaneously displayed on the customer terminal,
In response to a positive instruction by the logged-in user,
Receiving the billed amount information, the payee information and the designated transfer date information from the customer terminal;
A bank system configured to generate comprehensive transfer data based on the received billing amount information, the payee information, and the specified transfer date information. A method executed by a banking system communicatively connected to a customer terminal,
Extracting billing amount information, payee information and transfer designation date information associated with the imaging data selected by the logged-in user;
Displaying the extracted billing amount information, the payee information and the transfer designated date information, and the imaging data simultaneously on the customer terminal;
In response to a positive instruction by the logged-in user,
Receiving the billed amount information, the payee information and the designated transfer date information from the customer terminal;
Generating total transfer data based on the received billing amount information, the payee information, and the specified transfer date information.

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