JP6482599B2 - Storage support system - Google Patents

Description

  The present invention relates to a storage support technology for a payment receipt received by a financial institution such as a bank, and more particularly to a technology for comprehensively managing and supporting a storage business including an MPN payment slip and a non-MPN payment slip.

  Storage institutions (private / local public organizations / government offices) issue payment notices, and financial institutions accept the brought-in payment notices (payments) at the counter. The storage institution performs the work of erasing the payment slip issued by itself as the funds transferred for the payment received at each financial institution.

  Payment notices accepted by financial institutions are classified into MPN payment notices corresponding to Pay-easy (registered trademark) storage services (for example, Non-Patent Document 1) and non-MPN payment notices.

  In the MPN payment slip, the batch application data (batch transmission method) is transmitted from the financial institution (or the office center) that has received the MPN payment slip to the receiving organization via the multi-payment network (MPN). The MPN payment slip is pre-printed with code information indicating the storage information used for the pay-easy storage service at a predetermined location. Data is generated and transmitted to the storage organization via the MPN. The storage organization receives batch application data of the batch transmission method from the MPN, matches the billing information for managing the issued payment slip, and performs the consumption operation as a computer process. The code information is a two-dimensional code such as a character code, bar code or QR code (registered trademark) in which storage information is digitized.

  On the other hand, the non-MPN payment form includes an OCR payment form (non-MPN-OCR payment form) in which encoded storage information is printed at a predetermined position, and a handwritten payment form in which encoded storage information is not printed. And non-OCR payment notices. Non-MPN payment slips differ from MPN payment slips, and financial institutions send received payment slips to a storage institution (or a designated financial institution designated by the storage institution) as funds are transferred to the payment institution. It is necessary to (transport). The non-MPN payment agent's storage agency service requires the transport of a physical receipt receipt, and the storage organization issues the payment slip issued by itself and the physical payment receipt received by the financial institution in accordance with the transfer of funds. Add together and erase.

Japan Multipayment Network Promotion Association (JAMPA), “About Pay-easy Storage Service”, [July 11, 2016 search date], Internet <URL: https://www.jampa.gr.jp/payeasy /payeasyOverview.html>

  Since the MPN payment notice is notified to the storage organization through the multi-payment network built in advance, the actual receipt payment is not transported (moved) compared to the non-MPN payment notice. The data can be consumed, and the burden of storage work is reduced.

  However, in the MPN system, it is necessary to introduce a communication server or system for connecting to an MPN or a shared use center (a center that provides a function for connecting to an MPN) to a financial institution or an administrative center of a financial institution. The infrastructure for connecting to the MPN and the shared use center is expensive to introduce and maintain. Also, taking into account costs such as introduction costs and maintenance costs, financial institutions do not use the MPN method of storing work, and treat MPN payment forms in the same way as non-MPN payment forms. There is also the actual situation.

  In addition, the storage organization also needs to perform a non-MPN payment note in the same manner as the MPN payment note. Traditionally, the storage organization has manually applied the payment notice issued by itself and the receipt receipt that has been transported, but in recent years it has been paid non-MPN like the MPN payment notice. It is also possible to perform the revocation work by computer processing that creates the revocation data of the certificate and matches the billing information for managing the issued payment slip.

  However, in any of the financial institution, designated financial institution, or storage institution that received the non-MPN payment notice, it is necessary to create the application data for the non-MPN payment notice, resulting in a heavy work load. For example, the designated financial institution designated by the storage institution will receive the actual non-MPN payment form from the administrative center and each of the multiple financial institutions, and create the application data manually while viewing the actual non-MPN payment form. The consumption data was created by doing.

  In the case of an OCR payment note, if the code information is subjected to OCR processing, it is possible to create consumption data from the read storage information. However, it is costly to introduce a scanner device that performs OCR processing for a non-MPN. There was a problem of the introduction cost and the maintenance cost.

  Therefore, the object of the present invention is that it is possible to introduce a storage service corresponding to MPN at a low cost by the financial institution that performs the storage agent business without requiring special infrastructure development, and it is possible to control only the MPN by controlling the handling type. Provided is a storage support system capable of providing consumption data corresponding to non-MPN to a storage institution or designated financial institution.

(1) The storage support system of the present invention is installed in an office center where receipt payments received at each store of a financial institution are transported and aggregated, and continuously reads a plurality of receipt payments. Based on the OCR device that reads the code information of the storage information printed on the receipt receipt and the code information that is installed in the office center and is output from the OCR device, Provided is a terminal device that generates read transmission data to be created, and a function for connecting to the multi-payment network via the multi-payment network to which the storage organization is connected or the multi-payment network connected to the terminal device through the network. Connected to the shared use center and connected to the storage institution or storage institution via the network That having an accommodation assisting device connected to a predetermined system of designated financial institution.

  The terminal device supports the MPN for each handling type, and a data reading control unit that controls the OCR device so as to read a plurality of received receipts continuously for each MPN and non-MPN which are the handling types of payment slips. A transmission data generation unit that generates MPN read transmission data and non-MPN read transmission data corresponding to non-MPN, and a transmission control unit that transmits each of MPN read transmission data and non-MPN read transmission data to the storage support device And comprising.

  In addition, the storage support device uses the MPN read transmission data received from the office center, a billing information data generation unit that generates batch application data for transmission to the storage organization via the multi-payment network, and batch application data To transmit data to a storage institution or designated financial institution via a network using a batch data transmission control unit that performs transmission control for transmitting each to a multi-payment network or a shared use center and non-MPN read transmission data received from an office center A non-MPN consumption data generation unit that generates non-MPN consumption data, and a non-MPN consumption data transmission control unit that performs transmission control for transmitting each of the non-MPN consumption data to a storage institution or a designated financial institution. It is characterized by that.

(2) In the above (1), the terminal device corrects until the receipt payment is transported to the office center for processing on the receipt date when the payment is accepted at each store of the financial institution. A storage unit may be provided for storing receipt date definition information that defines a time in advance. At this time, the transmission data generation unit automatically uses the receipt date definition information to automatically calculate the receipt date calculated by subtracting the correction time from the current date when the read transmission data is generated at the office center. The MPN read transmission data and the non-MPN read transmission data including the receipt date calculated and automatically calculated may be generated.

(3) In the above (1) or (2), the data reading control unit sets image capture as a handling type other than the MPN and the non-MPN, and reads a plurality of the receipt payments continuously. Thus, the OCR device can be controlled. At this time, the OCR device converts each receipt received into image data and outputs it to the terminal device in the reading process in which the image capture is set, and the transmission data generation unit includes an image including the image data. Captured transmission data can be generated. The transmission control unit can be configured to transmit the image capture transmission data to the storage support device.

(4) In said (1), the said terminal device is correction | amendment until the said receipt payment notice is conveyed to the said office center and processed with respect to the receipt date when the payment notice was received in each store of a financial institution. A storage unit may be provided for storing receipt date definition information that defines a time in advance. At this time, the transmission data generation unit automatically uses the receipt date definition information to automatically calculate the receipt date calculated by subtracting the correction time from the current date when the read transmission data is generated at the office center. The MPN read transmission data and the non-MPN read transmission data including the receipt date calculated automatically are generated.

  The data reading control unit sets image capture as a handling type other than the MPN and the non-MPN, controls the OCR device to continuously read a plurality of the receipts received, and controls the OCR. The apparatus converts the received payment notices into image data and outputs them to the terminal device in the reading process in which the image capture is set. The transmission data generation unit generates image capture transmission data including the image data, and the transmission control unit transmits the image capture transmission data to the storage support device.

  Here, the storage support system further includes an arrearage charge control unit that compares the automatically calculated receipt date with the read due date of the storage information to determine whether or not an arrearage amount has occurred. The transmission data generation unit can exclude the receipt payment that has been determined that the arrears have occurred from the reading transmission data constituting the MPN reading transmission data or the non-MPN reading transmission data, The handling type can be controlled to be processed as the image capture.

(5) In the above (1) to (4), the storage support device uses the collective application data to confirm the collective application data transmitted to the storage institution via the multi-payment network. For this purpose, it is possible to further include a cooperation confirmation data generation unit for generating data for cooperation confirmation. At this time, the collective data transmission control unit performs first transmission control for transmitting each of the collective application data to the multi-payment network or the joint use center, and performs the collective application to the multi-payment network or the joint use center. In synchronization with the data transmission timing, the second transmission control can be configured to transmit the cooperation confirmation data to a destination designated by the financial institution.

(6) In the above (1) to (5), the billing information data generation unit uses the batch reading / transmitting data, and the number and the total of the plurality of receipt receipts that are the target of the batch application data. Aggregate payment amount to generate first aggregate information, the first aggregate information and the object of the batch application data generated at the office center, which is acquired through the terminal device or other communication device The batch application data generation process can be performed based on the matching result with the second totaled information including the number of receipt receipts and the total payment amount. In addition, the non-MPN consumption data generation unit uses the non-MPN read / transmit data to tabulate the number of receipt receipts and the total payment amount that are the targets of the non-MPN read / transmit data. A plurality of receipts which are targets of the non-MPN read transmission data generated at the office center, which is acquired via the terminal device or another communication device, The non-MPN read transmission data can be generated based on the matching result with the fourth total information including the number of completed payment documents and the total payment amount.

(7) In the above (6), when the billing information data generation unit has a matching result in which the first tabulation information and the second tabulation information do not match, the terminal device again reads the OCR device. A message for prompting generation of the batch reading transmission data can be transmitted. The non-MPN consumption data generation unit may cause the terminal device to re-read the non-MPN read from the read of the OCR device when the third summary information and the fourth summary information are a matching result. A message prompting generation of transmission data can be transmitted.

  According to the present invention, it is possible to introduce a storage service corresponding to the MPN at a low cost on the financial institution side that performs the storage agent business only by installing the OCR device and the terminal device without requiring special infrastructure maintenance, The handling type can be controlled to provide consumption data corresponding to not only MPN but also non-MPN to a storage institution or designated financial institution.

  This will provide comprehensive support for the storage of all payment forms handled by financial institutions, including non-MPN payment forms, and in-kind payment receipts from the administrative center to the storage or designated financial institution. It is possible to reduce the influence of the transportation time and to support storage operations such as smooth and quick payment processing.

It is a system configuration figure of the storage support system of an embodiment. It is a network block diagram of the whole MPN batch transmission system including the storage assistance system of embodiment. It is a network block diagram of the whole non-MPN consumption data transmission system including the storage assistance system of embodiment. It is a figure which shows the system configuration | structure of the office center of the financial institution of embodiment, and the structural block of a terminal device. It is a figure which shows an example of OCR reading data (code information) of MPN payment notice and MPN batch reading transmission data of the embodiment. It is a figure which shows an example of the OCR reading data (code information) of the non-MPN payment notice and non-MPN reading transmission data of the embodiment. It is a figure which shows an example of the non-OCR payment notice (handwritten payment notice) of embodiment. It is a figure for demonstrating the receipt date matter setting function of embodiment. It is a block diagram of the storage support device of the embodiment. It is a figure which shows an example of the financial institution information (a) of embodiment, storage organization information (b), and MPN collective transmission cooperation information (c) according to financial institution. It is a figure which shows an example of MPN collective consumption data (a) and cooperation confirmation data (b) of an embodiment. It is a figure which shows an example of the non-MPN consumption data of embodiment. It is a flowchart which shows the production | generation process and transmission process of the reading transmission data in the office center of embodiment. It is a flowchart which shows the processing flow of the MPN batch transmission system in the storage assistance apparatus of embodiment. It is a flowchart which shows the processing flow of the non-MPN consumption data transmission system in the storage assistance apparatus of embodiment. It is a flowchart which shows the consumption data processing flow of the image taking-in payment notice in the storage assistance apparatus of embodiment.

  Hereinafter, embodiments will be described with reference to the drawings.

(First embodiment)
1 to 16 are diagrams showing a first embodiment. FIG. 1 is a system configuration diagram of the storage support system of the present embodiment. The storage support system includes a storage support device 100, a terminal device 200, and an OCR device 300.

  The office center is an organization that collects receipt payments received at multiple financial institutions (branches) at the same time. The receipts received from each store are transported (conveyed) to the office center for aggregation. Is done. The office center is a place where receipt payments are transported and aggregated, and is a place where storage operations are aggregated. Therefore, a predetermined store may serve as the office center or may be a facility different from the store.

  The terminal device 200 and the OCR device 300 are installed in the office center of each financial institution. The OCR device 300 is an information reading device having an OCR function that continuously reads a plurality of (receipted) payment slips, reads code information representing storage information printed on each payment slip, and converts it into character data. . The OCR device 300 is connected to the terminal device 200 by wire or wirelessly, and outputs the read character data to the terminal device 200.

  In addition to the character code information in which the storage information is digitized, the OCR device 300 has a barcode and two-dimensional code reading function in which the storage information is encoded, and stores the barcode and the two-dimensional code by reading them. It can also be converted into information.

  Based on the code information output from the OCR device 300, the terminal device 200 generates various read transmission data for creating the consumption data of the storage organization that issued the payment notice, and transmits the generated read transmission data to the storage support device 100. To do. The terminal device 200 can be connected to the storage support device 100 in a wired or wireless manner with an IP network such as the Internet, and by applying encryption technology such as SSL or VPN connection as necessary, various kinds of read transmission data can be obtained. It can be transmitted to the storage support device 100.

  It should be noted that the OCR device 300 may have an OCR function (automatic character recognition function) and other code information reading function provided on the terminal device 200 side. For example, the OCR device 300 has only a scanner function, generates image data of a read payment slip, and outputs the image data to the terminal device 200. The terminal device 200 can convert character information in the image data into character data, or can read a barcode or two-dimensional barcode in the image data and convert it into character data. Necessary information can be converted into character data from image data.

  The storage support device 100 is connected to a multi-payment network (MPN) to which a storage institution (a communication server of the storage institution) is connected, or a shared use center that provides a function for connecting to the multi-payment network (MPN). Further, it is connected via a network to a predetermined system (such as a communication server or billing-related basic system) of a storage institution or a predetermined system (such as a summary institution server) of a designated financial institution.

  FIG. 2 is a network configuration diagram of the entire MPN batch transmission system of the present embodiment. The example of FIG. 2 shows a connection mode via a shared use center. The storage support apparatus 100 according to the present embodiment has previously established connection paths of a plurality of financial institutions with the shared use center, and MPN batch reading and transmission sent from each office center via the IP network. Based on the data, MPN collective application data for transmission to the storage organization via the MPN is generated for each financial institution. Then, MPN batch application data of each of the plurality of financial institutions is transmitted through a connection path with the MPN constructed for each financial institution.

  Note that the network and system from the MPN to the storage institution side are the same as the mechanism of the conventional batch transmission method described in Non-Patent Document 1, and thus detailed description is omitted, but as shown in FIG. On the institution side, apart from financial institutions, there is a shared use center that provides a function for connecting to the MPN. Each storage institution connects to the MPN directly or through a shared use center, receives batch application data transmitted from the financial institution, and performs a predetermined application process (for example, a payment number corresponding to an invoice number). Etc. as a key, the billing master information corresponding to the payment slip can be matched with the batch application data, and the receipt payment slip can be deleted).

  In the present embodiment, the financial institution only needs to introduce the terminal device 200 and the OCR device 300, and develop a system environment in which special system construction and payment slips are collectively read and MPN batch consumption data is generated and transmitted. Can be easily and inexpensively introduced into a batch transmission system.

  More specifically, the MPN is a mechanism for improving the efficiency of storage operations operated by the Japan Multipayment Network Management Organization, and is a dedicated network constructed to connect financial institutions and storage institutions. Conventionally, financial institutions have been required to construct a one-to-one dedicated network connection environment with the MPN by introducing a communication server when performing a collective transmission system storage operation using the MPN.

  On the other hand, there is a shared use center that provides a network connection environment to the MPN. Since the shared use center provides an environment in which each financial institution can jointly use the MPN, it is not necessary to introduce a communication server for establishing a one-to-one dedicated network connection environment with the MPN.

  However, financial institutions need to establish a one-to-one communication environment for the shared use center, and infrastructure such as a system construction similar to a communication server is required. That is, a financial institution needs to cooperate with a dedicated system for a shared use center, and it is necessary to construct a special system environment when introducing a collective transmission type storage operation like MPN.

  In addition, the MPN and the shared use center only provide a dedicated network connection with the storage organization and its environment. In addition to the development of the communication environment, it is necessary to develop (introduce) an environment for collectively reading payment forms and generating / transmitting batch consumption data. For this reason, financial institutions cannot easily and inexpensively introduce storage operations of a batch transmission method, and hurdles are high for each financial institution.

  On the other hand, the storage support system according to the present embodiment provides a system environment in which a batch transmission system storage operation can be introduced simply by connecting a financial institution to the storage support apparatus 100 via an IP network such as the Internet. 100 performs the connection with the MPN or the joint use center on behalf of each financial institution. In other words, each financial institution needs to register with the MPN or the shared use center on the dedicated network related to the storage operation of the batch transmission method as before, but the connection environment to the registered dedicated network is as follows: The storage support apparatus 100 manages and operates all together, and each financial institution only needs to connect to the storage support apparatus 100 via an IP network such as the Internet.

  Next, FIG. 3 is a network configuration diagram of the entire non-MPN consumption data transmission method of the present embodiment. The example of FIG. 3 shows a connection mode with a designated financial institution (collecting institution server). The storage support apparatus 100 according to the present embodiment is configured in advance with each connection path with one or a plurality of management servers, and is connected to a non-MPN network of a predetermined communication protocol separately from the MPN. .

  The storage support device 100 stores, on a storage organization basis, non-MPN consumption data for transmission to the storage organization via the non-MPN network based on the non-MPN read transmission data sent from each office center via the IP network. Generate. Then, the corresponding non-MPN consumption data is transmitted to each designated financial institution through the connection path of the non-MPN network.

  In addition, as shown by a one-dot chain line in FIG. 3, the storage support apparatus 100 can be directly connected to a storage organization (such as a communication server or a billing-related backbone system) via a non-MPN network instead of a designated financial institution. In this case, the storage support apparatus 100 can directly transmit the corresponding non-MPN consumption data through the connection path of the non-MPN network to the storage organization. The storage engine side can receive non-MPN consumption data and perform a predetermined consumption process in the same manner as MPN.

  In this embodiment, the financial institution does not need the special infrastructure described above, can introduce a storage operation corresponding to MPN at low cost, and uses the introduced terminal device 200 and OCR device 300 as they are. Therefore, it is possible to realize an environment in which consumption data corresponding to not only MPN but also non-MPN is provided to a storage institution or designated financial institution.

  FIG. 4 is a diagram illustrating a system configuration of a business center of a financial institution and a configuration block of the terminal device 200 according to the present embodiment. A plurality of receipt payment forms are conveyed from each store to the office center, and the receipt payment forms are first manually sorted at the office center.

  Here, storage information is described in the payment form. The storage information includes storage date (payment date), storage destination code (storage organization), subject code (subject), storage amount, payment deadline, type (national treasury) Information such as money, local taxes, utility charges, other private storage billing charges), arrears, revenue stamps, fees, etc. The subject code is a billing item that is charged by the storage institution, and is, for example, a city tax (local tax), a city water rate (public utility charge), an insurance premium, or the like. In addition, the classification is a high-level classification of the subject code. For example, the national treasury (national tax), which is the storage organization of the Ministry of Health, Labor and Welfare, includes national pension insurance premiums, welfare pension insurance premiums, sailor insurance premiums, “National tax” is a type, and each insurance premium such as “national pension insurance premium”, “welfare pension insurance premium”, “sailor insurance premium” associated with it is a subject (code). The same applies to the type “local tax”, and each city tax is classified as a subject (code) into the type “local tax”. For the type “public charges”, for example, water charges for each municipality, electricity charges for each electric power company, etc. are classified into the type “public charges”.

  In the administrative center, sorting work can be performed in several stages. For example, as shown in FIG. 4, sorting is performed according to types such as national tax, local tax, and public charges (sorting work 1). Each received payment bundle (group) is further sorted into local public bodies (by prefecture, municipality) (sorting operation 2). Each receipt payment group (group) sorted by local government is further sorted based on a predetermined sorting rule as to whether or not it is a handling target of the storage support system of this embodiment (sorting operation 3). . Note that the sorting operation 3 is a sorting operation based on a rule decided with the storage organization such as whether or not the data can be sent to the storage organization as consumption data, and the operation is optional. That is, the sorting operation 3 can be omitted.

  The sorting operation 4 sorts (classifies) the MPN, the non-MPN, and the image capture into the handling types, for example, for the receipts of receipts of the local tax and the Tokyo Metropolitan Government. The encoded storage information is printed at a predetermined position, and the MPR (Pay-easy (registered trademark)) OCR payment (MPN payment) is classified into the handling type “MPN”. In addition, the storage information encoded in the same way as the MPN payment form is printed at a predetermined position, but the OCR payment form (non-MPN payment form) that is not subject to MPN is classified into the handling type “non-MPN”. Is done. Further, non-OCR payments such as handwritten payments that are not printed with encoded storage information (image acquisition payments) are classified into the handling type “image acquisition”.

  In the present embodiment, all payment forms that can be accepted at a financial institution are sorted into these three types of handling, and the handling types “MPN” and “non-MPN” are printed on the payment form by the OCR device 300. The code information of the storage information is read, and read transmission data (MPN read transmission data, non-MPN read transmission data) for generating consumption data of the storage organization that issued the payment notice is generated. For the handling type “image capture”, the OCR device 300 generates image data (image data) of a received payment receipt, and generates image capture transmission data including the image data. Although the sorting operations 1 to 4 are performed in descending order, the present invention is not limited to this, and the sorting operations 4 to 1 may be performed in ascending order.

  Further, the sorting work other than the sorting work 4 of the present embodiment is arbitrary. In other words, without sorting by the above-mentioned types or local public entities, only the handling types “MPN”, “non-MPN”, and “image capture” are sorted, and when generating read transmission data, the type or local public It is also possible to classify by group (storage organization).

  Next, a bundle of a plurality of receipt payments sorted through the sorting operation 4 is set in the OCR device 300, and the plurality of receipt payments are continuously read to generate read transmission data.

  The terminal device 200 includes a communication device 210 that controls connection and data communication with the storage support device 100 via the IP network, a control device 220, and a storage device 230. The control device 220 includes a data reading control unit 221 that controls the reading operation of the OCR device 300, a transmission data generation unit 222 that generates read transmission data using the storage information or image data output from the OCR device 300, and A transmission control unit 223 that transmits the generated read transmission data to the storage support device 100 via the communication device 210, a reception control unit 224 that receives cooperation confirmation data described later from the storage support device 100, and a totaling unit 225. , Including.

  The data reading control unit 221 includes a handling type setting unit 221A that performs setting control of the handling type, and the transmission data generation unit 222 includes a late payment control unit 222A. Note that these processing units may be configured as independent processing units.

  First, after setting a plurality of receipt receipts sorted into the OCR device 300, the operator performs a reading operation input for starting a reading process from the terminal device 200. At this time, the handling type setting unit 221A displays a predetermined screen for setting the handling type for the receipt receipt to be read, and can select one of the handling types “MPN”, “non-MPN”, and “image capture”. To control. It should be noted that the handling types “MPN”, “non-MPN”, “image capture” are not applied to the screen input but to other input means such as a button device, a keyboard, or a numeric keypad provided integrally or separately with the terminal device 200. It is also possible to configure so that the handling type can be set by setting a button or key corresponding to the button and the operator pressing the corresponding button or key.

  After the handling type is set, the data reading control unit 221 outputs a control signal for starting a reading operation to the OCR device 300, and the OCR device 300 starts a continuous reading operation.

  The OCR device 300 discriminates the set handling type, and when the handling type “MPN” or “non-MPN” is set, the OCR device 300 reads the code information indicating the storage information of the received payment slip, and reads each OCR read data. Output to the terminal device 200. Here, the OCR read data will be described with reference to FIG. FIG. 5 is a diagram showing an example of OCR read data (code information) and MPN batch read transmission data of an MPN payment slip.

  The OCR read data is a character code in which storage information preliminarily printed on a payment slip is digitized. The character code is code information representing standardized storage information printed in advance at a predetermined position on the payment slip.

  As shown in FIG. 5, the character code is an enumeration of numerical values, and is delimited by a predetermined number of characters. Storage information in the character code includes check digit 1 (CD1), subscriber account number, public money number, payment amount, arrears payment, payment burden classification, storage organization number, stamp tax classification, tax item / fee number, subscriber Used digits, check digit 2 (CD2), payment number, confirmation number, subscriber used digits, and the like are included. In this embodiment, among these storage information, at least a payment amount, a storage organization number that is identification information of a storage organization that is a billing source, and a character code that includes a payment number for identifying a payment note issued by the storage organization , MPN-compatible OCR read data can be extracted.

  The terminal device 200 can set a financial institution code given in advance in order to identify the financial institution of MPN (collective) read transmission data. In the storage device 230, identification information for each financial institution as shown in FIG. As shown in FIG. 5, the transmission data generation unit 222 receives a plurality of MPR-compatible OCR read data as shown in FIG. 5 automatically with respect to the reading operation of the OCR device 300 or based on an operation input of a reading transmission data generation instruction. MPN read transmission data can be generated by adding a header portion including a set financial institution code to the listed data portions. The header portion includes the date of receipt (the date received at the financial institution's window).

  FIG. 6 is a diagram illustrating an example of OCR read data (code information) of non-MPN payment slip and non-MPN read transmission data. The non-MPN payment form OCR reading data basically has the same structure as the MPN payment form OCR reading data described above, and includes year, subject, period, payment number, payment amount, arrears, receipt date, check Digit (CD) is included. In this embodiment, among these pieces of storage information, at least a payment amount, a storage organization number that is identification information of the storage organization that is a billing source, and a character code that includes a payment slip number for identifying a payment slip issued by the storage organization Can be extracted as non-MPN compatible OCR read data.

  The terminal device 200 sets a predetermined financial institution code for identifying the financial institution in the non-MPN read transmission data, and the transmission data generation unit 222 automatically performs the reading operation of the OCR device 300. Or, based on the operation input of the read transmission data generation instruction, as shown in FIG. 6, a header portion including a set financial institution code is added to the data portion in which a plurality of non-MPN-compliant OCR read data is listed. It is possible to generate MPN read transmission data by giving the data.

  In addition, when reading a plurality of sorted payment notices in a plurality of times, the transmission data generation unit 222 stores a data group of each read OCR read data in the storage device 230, for example, read transmission data Based on the operation input of the generation instruction, a group of data of each OCR read data is concatenated to generate a group of data portions, and one read transmission data with a financial institution code attached to the header can be generated.

  The read / transmit data can also be divided. That is, a plurality of read transmission data can be generated by adding a financial institution code to each data group of each OCR read data read a plurality of times. In this case, the terminal device 200 transmits a plurality of read transmission data to the storage support device 100 at a time, or transmits the read transmission data individually every time the read transmission data is generated, thereby generating a read generated at an arbitrary timing. Control can be performed so that data is transmitted to the storage support apparatus 100. Further, the terminal device 200 can store the read transmission data transmitted to the storage support device 100 in the storage device 230.

  In this embodiment, the terminal device 200 is provided with a totaling unit 225, and transmits the totaling information of each payment slip of the read transmission data to the storage support device 100. In the storage operation, the payment money is transferred to the storage organization together with the application of the payment slip to the storage organization. For this reason, the office center sorts the payment slips collected from each store, totals the number of payment slips to be erased and the total payment amount, and creates tabulation information.

  The aggregation unit 225 performs control to transmit the aggregation information corresponding to each read transmission data to the storage support apparatus 100, and the aggregation information can be generated by various methods. As a first example, as described above, a sheet on which the created total information is described is set as a header card of a bundle of receipt payments read by the OCR device 300, and a header card together with a plurality of receipt payment notices. The total number can be generated by causing the OCR device 300 to read the number of cases and the total amount paid. Further, as a modified example of the first example, the number and the total number described in the total information already created according to the bundle of receipts received by the OCR device 300 (when the read transmission data is generated) The payment amount can also be input to the terminal device 200 by a worker through a predetermined screen. The totaling unit 225 can perform input control of total information through a predetermined screen.

  As a second example, the counting unit 225 refers to the read transmission data generated by the transmission data generation unit 222, counts the number of OCR read data, calculates the number of cases, and adds each OCR read data to each OCR read data. The total payment amount can be calculated by summing the included payment amounts.

  Furthermore, as a third example, a FAX apparatus (not shown) is installed in the office center, and the FAX apparatus transmits the total information of each payment notice of the read transmission data to the operator who operates the storage support apparatus 100. it can. In this case, the aggregate information transmitted by FAX can be taken into the storage support apparatus 100 as FAX data, or can be input to the storage support apparatus 100 while the operator looks at the FAX paper.

  In this embodiment, as will be described later, aggregate information is provided from the office center (financial institution) to the storage support apparatus 100 (operator) for a plurality of payment notices that are desired to be erased, and the storage support apparatus 100 side also provides information. By counting the number of payment slips and the total payment amount from the received read transmission data and matching the two, the consistency of the application to the transfer of funds is ensured.

  FIG. 7 is a diagram illustrating an example of a non-OCR payment notice (handwritten payment notice) according to the embodiment. As shown in FIG. 7, the OCR reading data in which the storage information is encoded is not printed on the handwritten payment notice, and the payment person column, payment amount, payment deadline, description, storage organization, receipt date stamp column, etc. Have been described. Such a handwritten payment notice is classified into the handling type “image capture” in the sorting operation 4 shown in FIG. 4, acquired as image data from the OCR device 300 to the terminal device 200, and one or more pieces of image data The read transmission data including is generated.

  That is, the data reading control unit 221 sets “image capture” as the handling type other than “MPN” and “non-MPN”, and controls the OCR apparatus so as to continuously read a plurality of receipts. Then, the OCR device 300 converts each receipt received into image data and outputs it to the terminal device 200 in the reading process in which “image capture” is set, and the transmission data generation unit 222 captures the image including the image data. Generate transmission data. The transmission control unit 223 transmits the image capture transmission data to the storage support device 100.

  Next, the receipt date automatic setting function of this embodiment will be described.

<Receipt date automatic setting function>
FIG. 8 is a diagram for explaining the automatic receipt date setting function of the present embodiment. Receipt date stamps are stamped on payment slips received at financial institutions. Conventionally, in order to convert the receipt date into data, the receipt date stamp has been OCR processed into text, or manually entered while looking at the actual receipt receipt.

  The receipt date is the date when the payment is accepted at the window and is also the starting date for calculating the arrears. For this reason, it is important for the storage institution issuing the payment notice to grasp the receipt date accurately in order to grasp whether or not the arrears are generated. However, the conventional method cannot reduce the erroneous recognition rate of the OCR process due to rubbing or tilting of the receipt date stamp, and it is difficult to automatically grasp the accurate receipt date.

  Therefore, in the present embodiment, the relationship between the date of receipt at the counter of each store of the financial institution (counter reception date) is transferred to the office center and the processing date for generating the read transmission data is defined in advance, and the receipt of the payment slip is received. Automatically calculate the day.

  As shown in FIG. 8, for each office center, a correction time (correction value) until the receipt payment is transported to the office center and processed for the receipt date when the payment is accepted at each store of the financial institution. ) Is previously stored in the storage device 230. Then, the transmission data generation unit 222 uses the receipt date definition information to automatically calculate the receipt date obtained by subtracting the correction time from the current date at which the read transmission data is generated at the office center, and includes the automatically calculated receipt date. Read transmission data (MPN read transmission data, non-MPN read transmission data) is generated.

  In the example of FIG. 8, the receipt date definition master has a correction value set for each store handled by the office center. In other words, each store (branch) is classified for each correction value. Therefore, in the sorting work described with reference to FIG. 4, each sorting work can be performed for each store or in the same correction value group, and a bundle of receipt payments to which the same correction value is applied. Can be set in the OCR device 300 and read continuously. Further, when setting the handling type, the receipt date definition master is referred to, and the correction value and the store (branch code) associated with the correction value are controlled from a predetermined screen and read by the OCR device 300. It can be configured to perform an operation.

  In this way, by using the automatically calculated receipt date, it is possible to determine whether or not an arrearage charge has occurred compared to the payment deadline of the read storage information. In this embodiment, depending on whether the arrears are collected or the convenience of the storage organization, such as handling the arrears separately from the receipts received, the type of handling the receipts where the arrears are generated Excluded from “MPN” and “Non-MPN”, process as handling type “image capture”, send image data to storage support device 100, and write-off data according to request of storage organization on storage support device 100 side Is created based on image data. For this reason, MPN consumption data and non-MPN consumption data can be handled separately for consumption data that cannot be handled by the storage organization due to the convenience of the storage organization. Can support business.

  Therefore, the arrears money control unit 222A compares the automatically calculated receipt date with the payment deadline of the read storage information to determine whether or not the arrears money has occurred, and as a result of the determination, the arrears money Is generated, the transmission data generation unit 222 excludes the receipt of payment, which has been determined that the arrears have occurred, from the reading transmission data constituting the MPN reading transmission data or the non-MPN reading transmission data. Thus, it is possible to control the handling type to be processed as “image capture”.

  FIG. 9 is a configuration block diagram of the storage support device 100 of the present embodiment. The storage support device 100 includes an MPN batch transmission device 100A and a non-MPN consumption data transmission device 100B. Note that these apparatuses 100A and 100B can be realized by a single apparatus, and can be configured by integrating and separating the processes as necessary.

  First, the MPN batch transmission apparatus 100A will be described. The MPN batch transmission apparatus 100A includes a communication device including a reception unit 111A, a first transmission unit 112A, and a second transmission unit 113A, a control device 120A, and a storage device 130A.

  The receiving unit 111A is connected to each of a plurality of financial institutions via the IP network, and receives MPN (collective) read transmission data transmitted from each of the plurality of financial institutions. The first transmitting unit 112A connects to the shared use center through a communication path in which a connection channel is established in advance for each financial institution, and sends the batch application data of each financial institution to the MPN. The second transmission unit 113A is connected to a predetermined server or other information communication terminal designated by the financial institution, and transmits cooperation confirmation data.

  The storage device 130A stores the financial institution information shown in FIG. 10A, the storage institution information in FIG. 10B, and the collective transmission cooperation information for each financial institution in FIG. 10C. The financial institution information in FIG. 10A is shared with the terminal device 200, and can be assigned in advance from the storage support device 100 to the terminal device 200, for example. The storage organization information shown in FIG. 10B is also shared with the terminal device 200, and is composed of information such as the storage organization number assigned to each storage organization and the name of the storage organization.

  The financial institution information can also be positioned as identification information for the office center. In other words, the collective transmission system storage operation is performed at the business center where receipts are collected at the financial institution, and the MPN or shared use center only needs to be able to identify (identify) the business center designated by the financial institution. It is. Therefore, when a single financial institution has a plurality of business centers, one financial institution code can be assigned and shared by the financial institution codes.

  In addition, an office center that handles storage operations using a batch transmission method can be regarded as a store of a financial institution. In this case, the financial institution code and the store code of the office center can be stored in association with each other in advance, and can be used as information for specifying the office center that has handled the collective transmission type storage operation. In addition, as will be described later, the batch application data (data record part) composed of the data format standardized in advance in the batch transmission system via MPN includes the store code of the office center separately from the financial institution code. It can also be configured.

  The control device 120A includes a billing information data generation unit 121A, a cooperation confirmation data generation unit 122A, and a batch data transmission control unit 123A.

  The billing information data generation unit 121A generates MPN batch application data for transmission to the storage organization via the MPN for each financial institution using the MPN read transmission data received from the plurality of office centers. FIG. 11A shows an example of MPN batch application data.

  The MPN batch consumption data is configured in a data format standardized in advance by a batch transmission method via MPN. The MPN batch application data mainly includes a header part, a data record part, and a trailer record part, and OCR read data of a plurality of payment slips is stored in the data record part. As shown in FIG. 11A, the header portion stores a shared use center code, a storage institution number, a financial institution code, and the like. The data record section stores a payment number, a payment, a payment category, a payment amount, a receipt date, etc. for each storage organization number. The trailer record section stores the number of data records stored in the data record section, that is, the total number of payment documents and the amount paid.

  The billing information data generation unit 121A first classifies the OCR read data for each storage organization number using the MPN read transmission data received from the office center, and stores it in the header part and the data record unit for each classified storage organization number. Generate multiple data records to be stored. In addition, the number of records stored in the data record part for each storage institution number is counted, and the total payment amount is calculated by summing the payments of the counted target records, and the total data including the number of records and the total payment amount is calculated. Calculated by storage organization. Moreover, the total data which totaled the number of records of all the storage organizations and the total payment amount can also be calculated.

  The cooperation confirmation data generation unit 122A uses the generated MPN collective application data to generate cooperation confirmation data for the financial institution to confirm the MPN collective application data transmitted to the storage organization via the MPN. . FIG. 11B is an example of cooperation confirmation data, which is substantially the same data as MPN batch application data. The cooperation confirmation data generation unit 122A, for example, copies the generated MPN batch application data, adds the transmission destination (destination) of the cooperation confirmation data specified by the financial institution to the header part, and cooperates with the data for cooperation confirmation. Can be generated. Note that it is possible to generate the MPN batch application data itself as cooperation confirmation data without adding or editing anything.

  Here, as shown in FIG. 10C, the storage device 130A stores the collective transmission cooperation information for each financial institution, and the destination of the cooperation confirmation data is set for each financial institution. This destination can be designated by a financial institution, for example, a predetermined server or other information communication terminal of a basic system of a financial institution (including an office center) can be designated. Moreover, the terminal device 200 of this embodiment can also be designated. In addition, an e-mail address can be designated, and cooperation confirmation data can be attached and transmitted to a specific person of a financial institution.

  Then, the collective data transmission control unit 123A performs the first transmission control for transmitting the MPN collective consumption data to the MPN or the shared use center, and is synchronized with the timing of sending the MPN collective consumption data to the MPN or the shared use center. Thus, the second transmission control is performed to transmit the cooperation confirmation data to each destination designated by each financial institution. At this time, the cooperation confirmation data can be transmitted to the server or the like designated by the financial institution via the second transmission unit 113A simultaneously with the transmission timing of the MPN batch application data.

  In the collective transmission cooperation information for each financial institution of FIG. 10C, the closing time information predetermined for each financial institution is stored as the transmission timing of the first transmission control. In the present embodiment, the MPN batch read data is generated by using the MPN batch read transmission data received before the closing time, and the batch data transmission control unit 123A performs the MPN batch consumption data at each timing of the closing time. 1st transmission control is performed so that each may be transmitted to MPN or a joint use center. This closing time can be specified by the financial institution.

  In the present embodiment, the cooperation confirmation data is transmitted to the financial institution at the same timing as the storage support device 100 sends the MPN batch application data to the MPN. For this reason, it is possible to receive the link confirmation data almost simultaneously with the timing of transmitting the MPN batch application data to the joint use center, and the financial institution itself sends the MPN batch application data directly to the MPN or joint use center. In the same manner as above, it is possible to confirm the completion of the batch data transmission processing of the billing information data.

  In addition, a closing time is set for each financial institution, and a plurality of financial institutions can perform batch transmission at different timings. For this reason, it is possible to smoothly introduce the MPN batch transmission method without changing the own time schedule (system).

  Next, the non-MPN consumption data transmission apparatus 100B will be described. The non-MPN consumption data transmission device 100B includes a communication device including a reception unit 111B and a transmission unit 112B, a control device 120B, and a storage device 130B.

  The receiving unit 111B is connected to each of a plurality of financial institutions via the IP network, and receives non-MPN read transmission data transmitted from each of the plurality of financial institutions. As shown in FIG. 3, the first transmission unit 112B is connected to one or a plurality of designated financial institutions (collecting institution servers) by a predetermined communication protocol (non-MPN network) separately from the MPN network. Non-MPN consumption data is sent to each designated financial institution.

  The storage device 130B also stores various types of information shown in FIG. Note that the storage devices 130A and 130B can be configured as one storage device. Description of various information is omitted with the above description.

  The control device 120B includes a non-MPN consumption data generation unit 121B, a consumption data registration unit 122B, and a non-MPN consumption data transmission control unit 123B.

  The non-MPN consumption data generation unit 121B uses the non-MPN read transmission data received from each of the plurality of office centers to transmit to the designated financial institution (or storage institution) via the non-MPN network. Data is generated for each financial institution. FIG. 12 is a diagram illustrating an example of non-MPN consumption data.

  The non-MPN batch application data is configured in a data format standardized in advance with a designated financial institution or storage institution. The non-MPN consumption data mainly includes a header part, a data record part, and a trailer record part, and OCR read data of a plurality of payment notices are stored in the data record part. As shown in FIG. 12, the header part stores a transmission date, a designated financial institution number (storage organization), a financial institution code, and the like. The data record part stores the year, subject, period, payment number, payment amount, arrears, receipt date, etc. of the payment. The trailer record section stores the number of data records stored in the data record section, that is, the total number of payment documents and the amount paid.

  The non-MPN consumption data generation unit 121B first classifies the OCR read data for each storage institution number corresponding to the designated financial institution using the non-MPN read transmission data received from the office center, and the classified storage institution number A plurality of data records stored in the header part and the data record part are generated every time. In addition, the number of records stored in the data record part for each storage institution number is counted, and the total payment amount is calculated by summing the payments of the counted target records, and the total data including the number of records and the total payment amount is calculated. Calculated by storage organization. Moreover, the total data which totaled the number of records of all the storage organizations and the total payment amount can also be calculated.

  The non-MPN consumption data transmission control unit 123B performs transmission control for transmitting each non-MPN consumption data to each designated financial institution via a non-MPN network. At this time, similarly to the MPN batch transmission method, a non-MPN consumption data transmission deadline is set in advance for each financial institution, and the non-MPN read transmission data received by the deadline is used to store the non-MPN consumption data. At the same time, the non-MPN consumption data transmission control unit 123B can perform transmission control so that each non-MPN consumption data is transmitted to the designated financial institution at each timing of the closing time. This closing time can also be specified by the financial institution.

  In addition, the non-MPN consumption data transmission apparatus 100B of this embodiment includes an application data registration unit 122B, and can register a receipt of payment based on image capture transmission data received from the terminal apparatus 200. .

  The application data registration unit 122B displays each receipt received included in the image acquisition transmission data on a predetermined screen, and generates an application data registration screen for generating the non-MPN application data shown in FIG. To control the registration process. The application data registration unit 122B can also control the printer to print each received payment notice that has been converted into image data, and the operator can check the payment data while checking the payment data. Application data can be registered (created) through the registration screen. In addition, as described above, the application data registration function performs registration processing based on image capture read data for MPN payment documents and non-MPN payment documents (both OCR payment documents) for which arrears have occurred. Therefore, the handling type is provided as the registration type of the consumption data, and the consumption data is registered according to the handling type. By configuring in this way, each piece of application data to be registered is sent to the designated financial institution. Note that a terminal 150 is connected to the storage support apparatus 100, and editing such as input, correction, and deletion on the application data registration screen can be performed through the terminal 150. In addition, after receiving each transmission data of MPN payment slip and non-MPN payment slip, the consumption data registration unit 122B can control to read the received read data and display it on the consumption data registration screen. Corrections and deletions can be made on the application data registration screen.

  FIG. 13 is a flowchart showing the generation processing and transmission processing of the read transmission data in the office center of the present embodiment. Note that the steps surrounded by a dotted line indicate the sorting work by the operator shown in FIG.

  Each store of the financial institution performs a transportation process of sending the receipt payment received at the window to the office center (S101). The office center performs a sorting operation for sorting receipt receipts transported from each store (S301, S302). Note that, in the sorting work in steps S301 and S302, the worker totals the number of the payment notices of the read transmission data and the total payment amount, and creates total information.

  Next, the worker sets a plurality of receipts sorted into the OCR device 300, and performs a reading operation input for starting a reading process from the terminal device 200. The operator selects one of “NPN”, “Non-MPN”, and “Image capture” as the handling type (S304), and the store used in the automatic receipt date setting function along with the selection of the handling type ( A store where a bundle of set receipt payments has been conveyed) and a correction value group for each store are designated (S303, S304).

  The OCR device 300 starts the reading operation after setting at least the handling type in the terminal device 200, and if the handling types “MPN” and “non-MPN” are set, the OCR read data of each of the payment slips read. Is output to the terminal device 200 (S305), and if the handling type “image capture” is set, each read image data of the payment slip is output to the terminal device 200 (S318).

  When the handling types “MPN” and “non-MPN” are set, the terminal device 200 performs a data check process of the storage information read using the check digit included in the OCR read data (S306). If the result of the data check process is check NG (NO in S307), the OCR read data determined to be check NG is displayed on the terminal device 200, for example, a payment slip that cannot be handled by “MPN” or “non-MPN” This can be notified to the worker (S315, error processing). The data check process using the check digit is performed based on a predetermined algorithm designed in advance according to the code information.

  If it is determined in step S307 that the check is OK, a delinquency check process is further performed (S308). First of all, it is confirmed whether or not arrears have occurred. The terminal device 200 automatically calculates the receipt date according to each store by the receipt date automatic calculation function, and compares it with the due date included in the OCR read data. As a result of the comparison, if the receipt date exceeds the payment due date (receipt date> payment due date), it is determined that the arrears have occurred (NO in S309). That is, it is determined that there is an arrears check NG and the process proceeds to step S315.

  When the terminal device 200 reads with the handling types “MPN” and “non-MPN” set, the terminal device 200 performs an error process for excluding the receipt of payment that has been determined to be late (S315). A message or warning is output to the terminal device 200 so as to process with the type “image capture”.

  In the case of the late payment check OK, that is, when the late payment has not occurred (YES in S309), the terminal device 200 uses the OCR read data to read and transmit data (MPN, non-MPN) corresponding to the handling type. Are respectively generated (S310) and stored in the storage device 230 (S311). At this time, the terminal device 200 performs generation processing so that the automatically calculated receipt date is automatically given to the read transmission data.

  The terminal device 200 transmits the generated read transmission data to the storage support device 100 based on the operator's operation input (YES in S312) (S313). Further, as described above, aggregate data including the number of receipt receipts included in the read transmission data transmitted to the storage support apparatus 100 and the total payment amount is transmitted to the storage support apparatus 100 (S314). The timing at which the total data is transmitted to the storage support apparatus can be arbitrarily set according to the consumption data generation and transmission process on the storage support apparatus 100 side. When the end instruction is input (YES in S316), the terminal device 200 ends the process (S317).

  On the other hand, when the handling type “image capture” is set in step S304 and the image data of each payment slip is output from the OCR device 300 (S318), the terminal device 200 transmits the image capture transmission data including the image data. Is generated (S319). At this time, the terminal device 200 can generate the image capture transmission data so that the receipt date calculated by the receipt date automatic calculation function is included. The terminal device 200 stores the generated image capture transmission data in the storage device 230 (S320), and supports storage of the generated image capture transmission data based on the operation input of the operator (YES in S321). It transmits to the apparatus 100 (S322). Also in this case, aggregate data including the number of receipt receipts included in the image capture transmission data and the total payment amount is transmitted to the storage support apparatus 100 (S323).

  FIG. 14 is a flowchart showing a processing flow of MPN batch transmission of the storage support apparatus 100 of this embodiment.

  The storage support apparatus 100 receives the MPN batch reading transmission data from each office center, and executes the steps shown in FIG. The storage support device 100 (the control device 120A) performs a check process including a check of the handling storage organization in addition to the data check using the check digit on the office center side (S501).

  As shown in FIG. 10B, a storage organization number (identification information of the storage organization) that can be transmitted in a batch is stored. The storage support apparatus 100 refers to the storage organization number that can be collectively transmitted, and uses the storage organization number included in each OCR read data (code information) of the received MPN batch reading transmission data, and the OCR corresponding to each payment slip. It is determined whether or not the read data can be transmitted in MPN batch (S502). When the OCR read data corresponding to the storage organization number that cannot perform MPN batch transmission is included (NO in S502), the storage support apparatus 100 performs error processing (S503) and converts the MPN batch read transmission data into error data. Then, the processing is interrupted, and a retransmission notification of MPN batch reading transmission data is transmitted to the terminal device 200 of the office center (S504).

  In the present embodiment, when the MPN batch reading / transmitting data includes error data such as data other than the handling storage organization, the office center is requested to retransmit the MPN batch reading / transmitting data not including the error data again. To control. For example, the storage support apparatus 100 can remove the error data and generate MPN batch consumption data that does not include the error data. However, the MPN batch reading transmission data and the MPN batch consumption data transmitted by the office center are available. Does not match. That is, the storage support system according to the present embodiment uses the MPN batch-read transmission data generated on the financial institution side as a reference, and MPN from reading the OCR device 300 again without editing the data on the storage support device 100 side. Outputs a message prompting generation / transmission of batch reading transmission data. With this configuration, in the MPN batch transmission storage process via the storage support apparatus 100, it is ensured that the data is complete (not tampered with or changed by a person other than the financial institution). )).

  If the check process is OK in step S502, the storage support apparatus 100 (billing information data generation unit 121A) counts the number of records for each storage organization number using the MPN batch reading transmission data received from the office center. At the same time, the total amount of payment that is the sum of the payments of the target records to be counted is calculated, and total data (first total information) is generated (S505).

  Here, on the office center side, aggregate data (second aggregate information) for a plurality of payment documents desired to be erased by the MPN batch transmission method created in the sorting operation in steps S301 and S302 is stored in the storage support device 100. This is transmitted to the operator (S314). The timing at which the aggregate data is transmitted from the office center can be performed at an arbitrary timing, for example, after the MPN batch reading transmission data transmission process and before the closing time. Further, as described above, the second aggregate information can be transmitted from the FAX apparatus to the storage support apparatus 100.

  When receiving the second aggregation information from the office center (S506), the storage support apparatus 100 performs MPN batch application data generation processing based on the matching result between the first aggregation information and the second aggregation information. In the matching of the total information, the operator visually confirms the first total information and the second total information aggregated on the storage support device 100 side, and the operator confirms the confirmation result (matching result). You may comprise so that it may input into.

  As described above, in step S507, the storage support apparatus 100 determines whether the first total information calculated from the received MPN batch reading transmission data matches the second total information individually calculated by the sorting operation from the office center. If it is determined that the first total information and the second total information do not match (NO in S507), error processing is performed in the same manner as in steps S503 and S504, and the MPN batch reading transmission data is retransmitted. Notification processing is performed (S508, S509).

  On the other hand, if they match (YES in S507), the batch consumption data generation process and the linkage confirmation data generation process are performed (S510, S511). Then, when the closing time designated by the financial institution is reached (YES in S512), the storage support device 100 transmits the MPN batch application data to the MPN or the shared use center, and at the same time, the financial institution sends the data for cooperation confirmation. It transmits to the designated destination (S513, S514). The storage support apparatus 100 stores the MPN batch application data and the cooperation confirmation data in the storage device 130A for each financial institution as the processing history of the MPN batch transmission method (S515).

  FIG. 15 is a flowchart showing a processing flow of non-MPN consumption data transmission of the storage support apparatus 100 of this embodiment.

  The storage support apparatus 100 receives the non-MPN batch reading transmission data from each office center, and executes the steps shown in FIG. The storage support device 100 (control device 120B) performs a check process including a check of the handling storage organization in addition to the data check using the check digit on the office center side (S501B).

  Similar to the MPN batch transmission process, as shown in FIG. 10B, a preset storage organization number (designated storage organization or storage organization identification information) that can be transmitted in a non-MPN consumption data is stored. . The storage support device 100 refers to a storage organization number that can transmit non-MPN consumption data, and uses each storage organization number included in each OCR read data (code information) of the received non-MPN read transmission data to receive each payment slip. It is determined whether or not the OCR read data corresponding to can transmit non-MPN consumption data (S502B). When the OCR read data corresponding to the storage organization number that cannot transmit the non-MPN consumption data is included (NO in S502B), the storage support apparatus 100 performs error processing (S503B), and the non-MPN read transmission data Is interrupted as error data, and a retransmission notification of non-MPN read transmission data is transmitted to the terminal device 200 of the office center (S504B). With this configuration, in the storage process of the non-MPN consumption data transmission method via the storage support apparatus 100, it is ensured that the data is complete (not tampered with or changed by a person other than the financial institution). Can be guaranteed).

  If the check process is OK in step S502B, the storage support apparatus 100 (non-MPN consumption data generation unit 121B) uses the non-MPN read transmission data received from the office center to calculate the number of records for each storage organization number. In addition to counting, the total amount of payment that is the sum of the payments of the target records to be counted is calculated to generate total data (third total information) (S505B).

  Similar to the MPN batch transmission method, the business center calculates total data (fourth total information) for a plurality of payment notices that are desired to be deleted in the non-MPN application data transmission method created in the sorting operation in steps S301 and S302. Is transmitted to the operator of the storage support apparatus 100 (S314). When receiving the fourth tabulation information from the office center (S506B), the storage support apparatus 100 performs generation processing of non-MPN consumption data based on the matching result between the third tabulation information and the fourth tabulation information.

  In step S507B, the storage support apparatus 100 determines whether or not the third total information calculated from the received non-MPN read transmission data matches the fourth total information individually calculated by the sorting operation from the office center. If it is determined that the third tabulation information and the fourth tabulation information do not match (NO in S507B), error processing is performed in the same manner as in steps S503B and S504B, and retransmission notification processing of non-MPN read transmission data is performed. (S508B, S509B).

  On the other hand, if they match (YES in S507B), non-MPN consumption data generation processing is performed (S510B). Then, when the closing time designated by the financial institution is reached (YES in S511B), the storage support apparatus 100 transmits the non-MPN consumption data to the designated financial institution (combining server) via the non-MPN network (S512B). . The storage support apparatus 100 stores the non-MPN consumption data in the storage device 130B for each financial institution as the processing history of the non-MPN transmission method (S513B).

  Note that the non-MPN consumption data transmission process shown in FIG. 15 may also be configured to transmit cooperation confirmation data to a destination designated by a financial institution, as in the MPN batch transmission method. The same applies to the image capture payment transmission process of FIG.

  FIG. 16 is a flowchart showing a processing flow of image capture payment transmission of the storage support apparatus 100 of the present embodiment.

  The storage support apparatus 100 receives the image capture transmission data from each office center, and executes the steps shown in FIG. The storage support device 100 (the control device 120B) performs the above-described consumption data registration processing as the image data registration processing (S501C).

  The storage support device 100 (consumption data registration unit 122B) displays the image data of the received payment receipt on a predetermined screen and controls registration processing for each handling type via the consumption data registration screen. Also at this time, the application data to be registered can be appropriately selected based on the preset designated storage organization number (identification information of the designated storage organization or storage organization) that can transmit the consumption data.

  In step S501C, when the consumption data registration process ends, the storage support apparatus 100 (non-MPN consumption data generation unit 121B) counts the number of records of the registered consumption target data and pays the counted target records. The total amount of payment that is the sum of the gold is calculated, and total data (fifth total information) is generated (S502C).

  Similar to the MPN batch transmission method and the non-MPN consumption data transmission method, the business center responds to a plurality of payment notices that are desired to be erased by the image capture payment transmission method created in the sorting operation in steps S301 and S302. Total data (sixth total information) is transmitted to the operator of the storage support apparatus 100 (S323). When the sixth summary information is received from the office center (S503C), the storage support apparatus 100 performs a process for generating image capture revocation data based on the matching result between the fifth summary information and the sixth summary information.

  In step S504C, the storage support apparatus 100 determines whether or not the fifth total information and the sixth total information match, and if it is determined that the fifth total information and the sixth total information do not match (S504C). NO), error processing is performed, and image capture transmission data retransmission notification processing is performed (S505C, S506C).

  On the other hand, if they match (YES in S504C), a process for generating image capture data is performed (S507C). Then, when the closing time designated by the financial institution is reached (YES in S508C), the storage support apparatus 100 transmits the image capture revocation data to the designated financial institution (collection server) via the non-MPN network ( S509C). The storage support apparatus 100 stores the image capture revocation data in the storage device 130B for each financial institution as the processing history of the image capture receipt transmission method (S510C). Note that the image capture payment transmission process shown in FIG. 16 may also be configured to transmit cooperation confirmation data to a destination designated by a financial institution, as in the MPN batch transmission method.

  Note that the image capture payment transmission method shown in FIG. 16 can be partly integrated with each of the consumption data transmission processes shown in FIG. 14 or FIG. For example, if the handling type of the application data generated in the application data registration process shown in FIG. 16 is MPN, the corresponding application data is extracted from the storage device 130B in step S510 of FIG. Collective clearing data can be generated. Similarly, if the handling type of the consumption data generated in the consumption data registration process shown in FIG. 15 is non-MPN, the corresponding consumption data is extracted from the storage device 130B in step S510B of FIG. , Non-MPN batch application data can be generated.

  Next, a modification of this embodiment will be described. As described above, since the present embodiment has a receipt date automatic calculation function, it is possible to automatically calculate the arrears amount as well as the presence or absence of the arrears amount.

  The late payment control unit 222A compares the receipt date calculated by the automatic receipt date calculation function with the payment deadline of the read storage information to determine whether or not the late payment has occurred, and the late payment has occurred. Arrears can be automatically calculated based on a predetermined arrears calculation logic set in advance for the determined receipt payment.

  In this case, the transmission data generation unit 222 can generate MPN read transmission data and non-MPN read transmission data including automatically calculated arrears. For example, the automatically calculated arrears are stored in the column “arrears money” of each data record shown in FIGS. 5 and 6, and each transmission data including the automatically calculated arrears can be generated. The predetermined arrearage charge calculation logic can be stored in the storage device 230. For example, as the arrearage charge definition information set in advance for each storage organization, You can set the amount.

  Furthermore, the non-MPN application data generation unit 121B of the storage support apparatus 100 can generate non-MPN application data by controlling the late payment to be stored in the data record unit shown in FIG. In each example of FIGS. 5, 6, and 12, “arrearage charges” are provided in advance in the column of the data record portion, but are arbitrary. If the arrears are not automatically calculated, transmission data and application data set to “0” by default are generated.

  On the other hand, when the arrears are not collected, or the arrears are processed differently on the storage organization side, such as issuing a payment for the arrears separately from the received payment There is. Therefore, for example, in the storage organization information of FIG. 10B, whether or not arrearage charges are collected for each storage organization is stored in advance (not shown), and the received payment notice in which the arrearage amount has occurred is handled as “NPN”. , “Non-MPN” can be excluded from processing, that is, it can be controlled so as to be excluded from MPN read / transmit data or read / transmit data constituting non-MPN read / transmit data.

  In other words, the late payment control unit 222A compares the automatically calculated receipt date with the payment deadline of the read storage information, and stores the received payment notice for which a late payment has occurred. It is determined whether or not the arrears are collected by referring to whether or not arrears are collected in advance for each institution. Then, the arrears are automatically calculated and the arrears are automatically calculated, and if the arrears are not subject to the arrears, the arrears are overdue. The transmission data generation unit 222 is notified that the automatic calculation of gold is not performed and the arrears are not eligible.

  The transmission data generation unit 222 performs error processing for excluding receipt payments that are determined not to be subject to arrearage charges by the arrearage charge control unit 222A when the handling types “MPN” and “non-MPN” are set and read. A message or a warning can be output to the terminal device 200 so as to be processed with the handling type “image capture”.

  Then, as described above, the data reading control unit 221 receives the payment that is not subject to the arrearage fee, although the arrearage fee is generated in the reading operation of the OCR device 300 in which “image capture” is set as the handling type. The payment notice is converted into image data and output to the terminal device 200, and the transmission data generation unit 222 can generate image capture transmission data including a receipt payment that is converted into image data and is not subject to arrears.

  The late payment processing function of this modification is performed in steps S308 and S309 in FIG. 13. In step S309, it is determined that there is no late payment or that it is subject to the late payment even if the late payment has occurred. The OCR read data is determined as an arrearage check OK. In step S310, the terminal device 200 performs a generation process so that the automatically calculated receipt date and arrears (0 or blank if no arrears have occurred) are automatically added to the read transmission data. .

  As described above, in this modified example, in addition to the above-described embodiment, the late payment control unit 222A compares the automatically calculated receipt date with the payment deadline of the read storage information to determine whether late payment has occurred. The arrears can be automatically calculated on the basis of a predetermined arrears calculation logic set in advance for a receipt that has been determined that a delinquency has occurred. The transmission data generation unit 222 can be configured to generate MPN read transmission data and non-MPN read transmission data including automatically calculated arrears.

  In addition, the arrears payment control unit 222A determines whether or not the arrears are subject to collection based on whether or not the arrears are collected in advance for each storage institution, and the received payment notice that is determined to be the arrears On the other hand, the transmission data generation unit 222 calculates the receipt payment that is determined not to be subject to the arrearage charge from the read transmission data constituting the MPN read transmission data or the non-MPN read transmission data. Excluded, the handling type can be controlled to be processed as image capture.

  As described above, in the embodiment, the storage support device 100 and the terminal device 200 have a hardware configuration other than those described above, a display device such as a liquid crystal display, a CPU that controls the entire device (each unit), and a memory (main storage device). In addition, operation input means such as a mouse, keyboard, touch panel, and scanner, output means such as a printer and a speaker, an auxiliary storage device (hard disk or the like), and the like can be provided.

  In addition, each function of the present invention can be realized by a program, a computer program prepared in advance for realizing each function is stored in the auxiliary storage device, and a control unit such as a CPU is stored in the auxiliary storage device. By reading the program into the main storage device and executing the program read into the main storage device, the control unit can cause the computer device to operate the functions of the respective units of the present invention. On the other hand, each function of the present invention can be configured by individual control devices, and a plurality of control devices can be connected directly or via a network.

  Further, the program can be provided to a computer in a state where the program is recorded on a computer-readable recording medium. Computer-readable recording media include optical disks such as CD-ROM, phase change optical disks such as DVD-ROM, magneto-optical disks such as MO (Magnet Optical) and MD (Mini Disk), floppy (registered trademark) disks, Examples include magnetic disks such as removable hard disks, memory cards such as compact flash (registered trademark), smart media, SD memory cards, and memory sticks. A hardware device such as an integrated circuit (IC chip or the like) specially designed and configured for the purpose of the present invention is also included as a recording medium.

100 storage support device 100A MPN batch transmission device 111A reception unit 112A first transmission unit 113A second transmission unit 120A control device 121A billing information data generation unit 122A linkage confirmation data generation unit 123A batch data transmission control unit 130A storage device 100B non-MPN Application data transmission device 111B Reception unit 112B Transmission unit 120B Control device 121B Non-MPN application data generation unit 122B Application data registration unit 123B Non-MPN application data transmission control unit 130B Storage device 150 Terminal 200 Terminal device 210 Communication device 220 Control Device 221 Data reading control unit 221A Handling type setting unit 222 Transmission data generating unit 222A Late payment control unit 223 Transmission control unit 224 Reception control unit 225 Totaling unit 230 Storage device 300 OCR device

Claims (7)

Installed in the office center where the receipts received at each financial institution's store are transported and aggregated, and the receipt receipts printed on the receipts are read continuously. An OCR device that reads the code information of the information;
A terminal device that is installed in the office center and generates read transmission data for creating consumption data of a storage organization that has issued a payment notice, based on each of the code information output from the OCR device;
A first connection function that is connected to the terminal device via a network and that connects to a multi-payment network to which a storage organization is connected or a shared use center that provides a function for connecting to the multi-payment network via a network; A storage support device having a second connection function for connecting to a predetermined system of a storage institution or a designated financial institution related to the storage institution via a network;
The terminal device
A data reading control unit that controls the OCR device so as to continuously read a plurality of the received payment notices for each MPN and non-MPN which is a handling type of the payment notice;
For each handling type, a transmission data generation unit that generates MPN read transmission data corresponding to the MPN and non-MPN read transmission data corresponding to the non-MPN, and
A transmission control unit that transmits the MPN reading transmission data and the non-MPN reading transmission data to the storage support device,
The storage support device includes:
A billing information data generation unit that generates collective application data for transmission to a storage institution via the multi-payment network using the MPN reading transmission data received from the office center;
A batch data transmission control unit for performing transmission control for transmitting each of the batch consumption data to the multi-payment network or the shared use center through the first connection function;
Using the non-MPN read transmission data received from the office center, a non-MPN consumption data generation unit that generates non-MPN consumption data to be transmitted to a storage institution or the designated financial institution via a network;
A non-MPN consumption data transmission control unit that performs transmission control for transmitting each of the non-MPN consumption data to a storage institution or the designated financial institution through the second connection function,
A storage support system characterized by that. The terminal device is a receipt that pre-defines for each store a correction time until the receipt payment is transported to the office center and processed for the receipt date when the receipt is received at each store of the financial institution. A storage unit for storing the day definition information;
The transmission data generation unit automatically calculates the receipt date calculated by subtracting the correction time from the current date when the reading transmission data is generated at the office center, using the receipt date definition information. The storage support system according to claim 1, wherein the MPN read transmission data and the non-MPN read transmission data including the automatically calculated receipt date are generated. The data reading control unit sets image capture as a handling type other than the MPN and the non-MPN, and controls the OCR device so as to continuously read a plurality of the receipt payments.
The OCR device converts each receipt received into image data in the reading process in which the image capture is set, and outputs the image data to the terminal device.
The transmission data generation unit generates image capture transmission data including the image data,
The storage support system according to claim 1, wherein the transmission control unit transmits the image capture transmission data to the storage support device. The terminal device is a receipt that pre-defines for each store a correction time until the receipt payment is transported to the office center and processed for the receipt date when the receipt is received at each store of the financial institution. A storage unit for storing the day definition information;
The transmission data generation unit automatically calculates the receipt date calculated by subtracting the correction time from the current date when the reading transmission data is generated at the office center, using the receipt date definition information. Generating the MPN read transmission data and the non-MPN read transmission data including the automatically calculated receipt date;
The data reading control unit sets image capture as a handling type other than the MPN and the non-MPN, and controls the OCR device so as to continuously read a plurality of the receipt payments.
The OCR device converts each receipt received into image data in the reading process in which the image capture is set, and outputs the image data to the terminal device.
The transmission data generation unit generates image capture transmission data including the image data,
The transmission control unit transmits the image capture transmission data to the storage support device,
An arrears money control unit that compares the automatically calculated receipt date with the read payment deadline of the storage information to determine whether or not the arrears have occurred;
The transmission data generation unit excludes the received payment notice determined to be in arrears from the read transmission data constituting the MPN read transmission data or the non-MPN read transmission data and performs the handling The storage support system according to claim 1, wherein a type is controlled to be processed as the image capture. The storage support device uses the batch application data to generate linkage confirmation data for the bank to confirm the batch application data transmitted to the storage organization via the multi-payment network. A generation unit;
The batch data transmission control unit performs first transmission control for transmitting each of the batch consumption data to the multi-payment network or the joint use center, and transmits the batch application data to the multi-payment network or the joint use center. 5. The storage support system according to claim 1, wherein a second transmission control is performed in synchronization with the timing to perform the second transmission control for transmitting the cooperation confirmation data to a destination designated by a financial institution. The billing information data generation unit
Using the MPN read transmission data, the number of receipt receipts and the total payment amount that are the target of the batch application data are aggregated to generate first aggregate information,
The first total information, the number of receipt receipts and the total payment that are acquired through the terminal device or other communication device and are the target of the batch application data generated in the office center Based on the matching result with the second total information including the amount of money, the batch application data generation process is performed,
The non-MPN consumption data generation unit
Using the non-MPN reading / transmitting data, the number of receipt receipts and the total amount of payment that are the targets of the non-MPN reading / transmitting data are totaled to generate third total information,
The third aggregated information, and the number and total of the plurality of receipt receipts that are the target of the non-MPN read transmission data generated in the office center, acquired through the terminal device or other communication device Based on the matching result with the fourth total information including the payment amount, the non-MPN read transmission data is generated.
The storage support system according to any one of claims 1 to 5, wherein The billing information data generation unit generates the MPN read transmission data from the reading of the OCR device again in the terminal device when the first aggregation information and the second aggregation information indicate a matching result that does not match. Send a prompt message,
The non-MPN consumption data generation unit, when the third aggregation information and the fourth aggregation information are a matching result that does not match, the non-MPN read transmission data from the reading of the OCR device to the terminal device again Send a message prompting to generate,
The storage support system according to claim 6.