JP6838008B2 - Dividend payment system, dividend payment device, dividend payment method, and dividend payment program - Google Patents

Description

The present invention relates to a dividend payment system, a dividend payment device, a dividend payment method, and a dividend payment program.

Conventionally, in the stock dividend payment business, the financial institution transfers the dividend to the shareholders who have registered the transfer account, and the dividend payment notice is sent to the shareholders who have not registered the transfer account. I paid cash by sending it to a financial institution to visit the store.

However, in the conventional dividend payment business, it is necessary to request a financial institution to perform the transfer business to the shareholders who have registered the transfer account. Therefore, the business company, etc., which is the issuer of the stock certificate, transfers a large amount as the number of shareholders increases. It is necessary to bear the fee, and for shareholders who have not registered a transfer account, there is a burden of completing the dividend payment work in addition to cash payment of each person, and shareholders need to take the trouble of visiting a financial institution. There was a problem that it was.

The present invention has been made in view of the above problems, such as improving the efficiency of dividend payment business in securities agency business, making shareholders retail customers for the financial institution in charge, saving fees, and issuing shares. The purpose is to provide a dividend payment system, a dividend payment device, a dividend payment method, and a dividend payment program that can improve the convenience of operating companies and shareholders.

In order to solve the above-mentioned problems and achieve the object, the dividend payment system according to the present invention includes a farm banking system, a terminal device including a photographing unit, and a dividend payment system including a storage unit and a control unit. It is a dividend payment system in which the devices are communicably connected, and the storage unit stores dividend payment schedule data including the prospective recipient identification data of the prospective recipient of the stock dividend and the scheduled payment amount. The control unit includes a money payment schedule storage means and a registration storage means for storing registration data including registrant identification data and bank account data of a registrant who receives dividends on the terminal device. Based on the dividend payment notice taken by the photographing unit of the apparatus, the read data of the dividend payment notice including the recipient identification data and the payment amount of the dividend recipient of the stock is acquired. The read data acquisition means, the payment schedule determination means for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the dividend payment schedule data corresponding to the read data by the payment schedule determination means. When it is determined that there is, the recipient identification means for determining whether or not the recipient identification data and the registrant identification data match, and the recipient identification data and the registrant by the recipient determination means. If it is determined that the identification data matches, the payment request means for transmitting the payment request for the dividend to the bank account of the registrant to the farm banking system based on the registration data is provided. It is a feature.

Further, in the dividend payment system according to the present invention, the dividend payment schedule storage means further stores a confirmation code, and the control unit uses the payee determination means to identify the payee and the registrant. When it is determined that the data matches, the approval screen display control means for controlling the terminal device to display the approval screen for inputting the confirmation code, and the input input to the approval screen by the user of the terminal device. When the code determining means for determining whether or not the code and the confirmation code match is further provided, and the payment requesting means determines that the input code and the confirmation code match by the code determining means. It is characterized in that a request for payment of the dividend to the bank account of the registrant is transmitted to the farm banking system based on the registration data.

Further, in the dividend payment system according to the present invention, the read data acquisition means distributes the stocks based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. It is characterized in that the reading data of the dividend payment notice including the payee identification data of the payee of money and the payment amount is acquired.

Further, in the dividend payment system according to the present invention, the dividend payment schedule storage means further stores a confirmation code, and the control unit causes the terminal device to display a confirmation screen for inputting the confirmation code. The payment is further provided with a confirmation screen display control means for controlling the payment, and a code determination means for determining whether or not the input code input to the confirmation screen by the user of the terminal device matches the confirmation code. The schedule determination means is characterized in that when it is determined by the code determination means that the input code and the confirmation code match, it is determined whether or not there is the dividend payment schedule data corresponding to the read data. To do.

Further, in the dividend payment system according to the present invention, the control unit is further provided with a confirmation code transmitting means for transmitting the confirmation code to the expected recipient corresponding to the recipient.

Further, in the dividend payment system according to the present invention, the recipient identification data includes a recipient telephone number, and the control unit controls the terminal device to display a confirmation screen for inputting the telephone number. The payment schedule is further provided with a screen display control means and a code determination means for determining whether or not the input telephone number input to the confirmation screen by the user of the terminal device matches the recipient telephone number. When the code determination means determines that the input telephone number and the recipient telephone number match, the determination means determines whether or not there is the dividend payment scheduled data corresponding to the read data. It is a feature.

Further, in the dividend payment system according to the present invention, the storage unit further includes a dividend payment storage means for storing dividend payment data, and the payment request means makes a payment request for the dividend to the farm. When transmitted to the banking system, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule storage means, and the dividend payment schedule data is used as the dividend payment data to pay the dividend. It is characterized by further providing a means for updating dividend payment data stored in a storage means.

Further, in the dividend payment system according to the present invention, the control unit is provided with a setting screen display control means for controlling the terminal device to display a setting screen for setting new registration data, and a user of the terminal device. When the new registration data is input to the setting screen, the registration setting means for storing the registration data with the user as the registrant is further provided in the registration storage means.

Further, in the dividend payment system according to the present invention, when the read data is acquired by the read data acquisition means, the control unit displays an application screen on the terminal device for inputting an application instruction for receiving the dividend. The payment schedule determination means further includes an application screen display control means for controlling the operation, and the payment schedule determination means receives the dividend corresponding to the read data when the receipt application instruction is input to the application screen by the user of the terminal device. It is characterized in that it is determined whether or not there is data for payment of money.

Further, in the dividend payment system according to the present invention, when the control unit determines that the payment schedule determination means does not have the dividend payment schedule data corresponding to the read data, the control unit pays the dividend. It is further provided with a payment notification screen display control means for controlling the payment notification screen to be notified to be displayed on the terminal device.

Further, in the dividend payment system according to the present invention, when the control unit determines that the payee identification data and the registrant identification data do not match by the payee determination means, the control unit cannot receive the dividend. The terminal device is further provided with a non-notification screen display control means for controlling the display of the non-notification screen.

Further, in the dividend payment system according to the present invention, when the code determination means determines that the input code and the confirmation code do not match, the control unit notifies the non-receipt of the dividend. It is further provided with a non-notification screen display control means for controlling the screen to be displayed on the terminal device.

Further, in the dividend payment device according to the present invention, the dividend payment device includes a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device including a photographing unit. The storage unit is a dividend payment schedule storage means for storing dividend payment schedule data including data for identifying a recipient of stock dividends and a payment schedule amount, and dividend receipt on the terminal device. The control unit includes a registration storage means for storing registration data including registrant identification data and bank account data of the registrant of the above, and the control unit is a dividend payment notice photographed by the photographing unit of the terminal device. Based on the above, a read data acquisition means for acquiring read data of the dividend payment notice including the payee identification data and the payment amount of the dividend of the stock, and the dividend corresponding to the read data. When the payment schedule determination means for determining whether or not there is payment schedule data and the payment schedule determination means determine that there is the dividend payment schedule data corresponding to the read data, the payee identification data and the said When the recipient determination means for determining whether or not the registrant identification data matches and the recipient determination means determines that the recipient identification data and the registrant identification data match, the registered data is used. Based on this, it is characterized by including a payment request means for transmitting the payment request of the dividend to the bank account of the registrant to the farm banking system.

Further, the dividend payment method according to the present invention is a dividend payment system in which a farm banking system, a terminal device provided with a photographing unit, and a dividend payment device provided with a storage unit and a control unit are communicably connected. It is a dividend payment method for execution, and the storage unit stores the dividend payment schedule data including the prospective recipient identification data of the prospective recipient of the stock dividend and the scheduled payment amount. The terminal device includes a storage means and a registration storage means for storing registration data including registrant identification data and bank account data of a registrant who receives dividends on the terminal device, and is executed by the control unit. Based on the dividend payment notice taken by the photographing unit of the above, the reading data of the dividend payment notice including the recipient identification data and the payment amount of the dividend recipient of the stock is acquired. The data acquisition step, the payment schedule determination step for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the dividend payment schedule data corresponding to the read data in the payment schedule determination step. When it is determined that there is, the recipient identification data and the registration are determined in the recipient determination step for determining whether or not the recipient identification data and the registrant identification data match, and in the recipient determination step. If it is determined that the person identification data matches, the payment request step of transmitting the payment request of the dividend to the bank account of the registrant to the farm banking system based on the registration data is included. It is a feature.

Further, the dividend payment method according to the present invention is to be executed by a farm banking system and a dividend payment device provided with a storage unit and a control unit, which is communicably connected to a terminal device provided with a photographing unit. The storage unit is a method for storing dividend payment schedules, which stores dividend payment schedule data including data for identifying prospective recipients of stock dividend recipients and the amount to be paid. The photographing of the terminal device, which is provided with a registration storage means for storing registration data including registrant identification data and bank account data of a registrant who receives dividends on the terminal device, and is executed by the control unit. Based on the dividend payment notice taken by the department, the read data acquisition step of acquiring the read data of the dividend payment notice including the recipient identification data and the payment amount of the dividend recipient of the stock. And, there is a payment schedule determination step for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the dividend payment schedule data corresponding to the read data in the payment schedule determination step. When it is determined, the recipient determination step for determining whether or not the recipient identification data and the registrant identification data match, and the recipient identification data and the registrant identification data in the recipient determination step. When it is determined that the data matches, the payment request step of transmitting the payment request of the dividend to the bank account of the registrant to the farm banking system based on the registration data is included. ..

Further, the dividend payment program according to the present invention is executed by a farm banking system and a dividend payment device provided with a storage unit and a control unit, which is communicably connected to a terminal device provided with a photographing unit. In the dividend payment program of the above, the storage unit is a dividend payment schedule storage means for storing dividend payment schedule data including data for identifying prospective recipients of stock dividend recipients and the planned payment amount. A registration storage means for storing registration data including registrant identification data and bank account data of a registrant who receives dividends on the terminal device is provided, and in the control unit, the photographing unit of the terminal device is provided. Based on the dividend payment notice taken, the read data acquisition step of acquiring the read data of the dividend payment notice including the recipient identification data and the payment amount of the dividend of the stock, and the read data acquisition step. In the payment schedule determination step for determining whether or not there is the dividend payment schedule data corresponding to the read data, and the payment schedule determination step, it is determined that there is the dividend payment schedule data corresponding to the read data. If so, the recipient determination step for determining whether or not the recipient identification data and the registrant identification data match, and the recipient identification data and the registrant identification data in the recipient determination step If it is determined that they match, the payment request step of transmitting the payment request of the dividend to the bank account of the registrant to the farm banking system based on the registration data is executed.

According to the present invention, it is possible to realize real-time dividend delivery and cost reduction. Further, according to the present invention, there is an effect that the conventionally incurred fee can be saved. Further, according to the present invention, it is possible to provide a service for the financial institution in charge to appeal to the retail customers of the shareholders. Further, according to the present invention, there is an effect that the convenience of the business company can be improved. Further, according to the present invention, it is possible to improve the efficiency of the dividend payment affairs in the securities agency affairs. Further, according to the present invention, it is possible to improve the convenience of shareholders.

FIG. 1 is a diagram showing an example of a conventional dividend payment process. FIG. 2 is a diagram showing an example of dividend payment processing in the present embodiment. FIG. 3 is a block diagram showing an example of the configuration of the dividend payment system according to the present embodiment. FIG. 4 is a flowchart showing an example of processing of the dividend payment system in the present embodiment. FIG. 5 is a flow chart showing an example of dividend payment processing in the present embodiment. FIG. 6 is a flow chart showing an example of dividend payment processing in the present embodiment. FIG. 7 is a flow chart showing an example of dividend payment processing in the present embodiment.

Embodiments of the present invention will be described in detail with reference to the drawings. The present invention is not limited to the present embodiment.

[1. Overview]
First, the outline of the present invention will be described with reference to FIGS. 1 and 2. FIG. 1 is a diagram showing an example of a conventional dividend payment process. FIG. 2 is a diagram showing an example of dividend payment processing in the present embodiment.

As shown in FIG. 1, conventionally, the securities agency has calculated the dividend of the stock and notified the deposit amount (total dividend) to the business company which is the issuer of the stock certificate. Then, as shown in FIG. 1, the operating company collected the total dividend amount and deposited it into the bank A, which is the bank, and notified the transfer amount of each shareholder's transfer account to the registered destination bank. Then, as shown in FIG. 1, Bank A transfers dividends to each shareholder whose transfer account has been registered via the destination bank (account transfer route), and to shareholders who have not registered the transfer account. The bank A notified the dividend payment notice for receiving the dividend, and paid the dividend to the shareholders who did not register the transfer account who visited the store (cash payment route). As shown in Fig. 1, Bank A refunds the dividend to the securities agency if the shareholders who have not registered the transfer account do not visit the store within the specified payment period, and the securities agency refunds the dividend to the shareholders. Payment was made, and after a certain period of time, refunds were made to the operating company. As described above, since transaction fees including personnel expenses were generated at each processing stage of the conventional dividend payment processing shown in FIG. 1, the cost burden on the operating company becomes larger as the number of shareholders increases. Was there.

Therefore, as shown in FIG. 2, in the present embodiment, the operating company sends the total dividend amount of the shares calculated by the securities agency to the bank (smartphone receipt collecting bank) that collects the receipts by the terminal device such as a smartphone. Make a deposit. Then, as shown in FIG. 2, the smartphone receiving collection bank makes a payment request from the dividend receiving application (dividend receiving application) to the dividend receiving application setting receiving account of the dividend receiving application registrant via the communication network. By automatically transferring the dividend of the dividend receiving application registrant to the dividend receiving application setting receiving account, it is possible to reduce the occurrence of transaction fees that occur during the dividend payment process. I am trying to do it. As described above, in the present embodiment, the smartphone receiving coordinating bank keeps the dividend payment fund of the operating company separately from the conventional coordinating bank and executes the dividend payment processing. As described above, in the present embodiment, the dividend receiving application setting receiving account of each bank is the transfer target of the coordinating bank. Further, in the present embodiment, when the dividend receiving application setting receiving account is a smartphone receiving collection bank account, the cost is low in real time because the fund delivery is an intrabank transfer, depending on the function and ability of the bank's accounting system. Can be handled.

[2. Dividend payment system configuration]
See FIG. 3 for an example of a configuration of a dividend payment system in which a financial institution system (farm banking system) 600, a terminal device 100, and a server (dividend payment device) 200 are communicably connected according to the present embodiment. I will explain. FIG. 3 is a block diagram showing an example of the configuration of the dividend payment system according to the present embodiment.

[Configuration of terminal device 100]
In FIG. 3, the terminal device 100 is a mobile phone, a smartphone, a tablet terminal, a mobile terminal such as a PHS or PDA (Personal Digital Assistants), or an information processing device such as a desktop or notebook personal computer that is generally commercially available. It may be.

The terminal device 100 includes a control unit 102, a storage unit 106, a photographing unit 110, and an input / output unit 112, and each unit included in the terminal device 100 is communicably connected via an arbitrary communication path. There is.

The input / output unit 112 may have a function of inputting / outputting (I / O) data. Here, the input / output unit 112 may be, for example, a key input unit, a touch panel, a control pad (for example, a touch pad, a game pad, etc.), a mouse, a keyboard, a microphone, or the like. Further, the input / output unit 112 may be a display unit (for example, a display, a monitor, a touch panel, etc. composed of a liquid crystal or an organic EL, etc.) that displays (input / output) information of an application or the like. Further, the input / output unit 112 may be an audio output unit (for example, a speaker or the like) that outputs audio information as audio.

The photographing unit 110 may be a camera or the like that records images (still images and moving images) taken by an image sensor such as a CCD image sensor or a CMOS image sensor as digital data.

The terminal device 100 has a function of communicably connecting to another device via the network 300 and communicating data with the other device. Here, the network 300 has a function of connecting the terminal device 100, the server 200, and the financial institution system 600 in a communicable manner, and is, for example, the Internet and / or a LAN (Local Area Network).

Various databases, tables, and / or files are stored in the storage unit 106. In the storage unit 106, a computer program for giving a command to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), and / or an SSD (Solid State Drive) can be used. The storage unit 106 may store image data recorded by the photographing unit 110, data received via the network 300, and / or input data input via the input / output unit 112. ..

The control unit 102 is a CPU or the like that collectively controls the terminal device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. For example, the control unit 102 acquires image data recorded by the photographing unit 110, reads data of character data (URL or the like) included in the image data, transmits / receives data via the network 300, and via an input / output unit 112. Each process such as acquisition of input input data and data (screen) display on the output unit 114 may be executed.

[Configuration of server 200]
In FIG. 3, the server 200 may be an information processing device such as a personal computer or a workstation. The server 200 includes a control unit 202 and a storage unit 206, and each unit included in the server 200 is communicably connected via an arbitrary communication path. The server 200 is communicably connected to the terminal device 100 or the financial institution system 600 via the network 300.

Various databases, tables, and / or files are stored in the storage unit 206. A computer program for giving instructions to the CPU to perform various processes in cooperation with the OS is recorded in the storage unit 206. The storage unit 206 is a storage means such as a RAM, a ROM, an HDD, and / or an SSD, and stores various databases and tables. Functionally, the storage unit 206 includes a dividend payment schedule database 206a, a dividend payment database 206b, and a registration database 206c.

The dividend payment schedule database 206a stores dividend payment schedule data including the recipient identification data of the prospective recipient of the stock dividend and the payment schedule amount. Here, the dividend payment schedule data may include the payer's name and / or the amount to be received. Further, the dividend payment schedule database 206a may store the confirmation code. In addition, the prospective recipient identification data may include the name of the prospective recipient, the address of the prospective recipient, the telephone number of the prospective recipient, the email address of the prospective recipient, and / or the shareholder number of the prospective recipient.

The dividend paid database 206b stores the dividend paid data. Here, the dividend paid data may be dividend payment scheduled data related to the paid dividend.

The registration database (dividend receiving application registration database) 206c stores registration data including registrant identification data and bank account data of registrants who receive dividends on the terminal device 100. Here, the registrant identification data may include the registrant name (name), the registrant address, the registrant telephone number, the registrant terminal identification data (MAC address, etc.), and / or the registrant e-mail address. Good.

The control unit 202 is a CPU or the like that collectively controls the server 200. The control unit 202 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. The control unit 202 functionally conceptually includes a read data acquisition unit 202a, a setting screen display control unit 202b, a registration setting unit 202c, an application screen display control unit 202d, a confirmation code transmission unit 202e, and a confirmation screen display control. Unit 202f, payment schedule determination unit 202g, recipient determination unit 202h, approval screen display control unit 202i, code determination unit 202j, payment notification screen display control unit 202k, and non-notification screen display control unit 202m. , A payment request unit 202n and a dividend payment data update unit 202p are provided.

The reading data acquisition unit 202a pays the dividend including the payee identification data of the payee of the stock dividend and the payment amount based on the dividend payment notice taken by the photographing unit 110 of the terminal device 100. Acquire the read data of the notification. Here, the read data acquisition unit 202a determines the dividend of the stock based on the two-dimensional code (QR code (registered trademark), etc.) on the dividend payment notice photographed by the photographing unit 110 of the terminal device 100. The read data of the dividend payment notice including the payee identification data and the payment amount of the payee may be acquired. In addition, the payee identification data may include a payer name, a payment amount, a payee name, a payee address, a payee telephone number, a payee shareholder number and / or a payee amount.

The setting screen display control unit 202b controls the terminal device 100 to display a setting screen for setting new registration data.

When new registration data is input to the setting screen by the user of the terminal device 100, the registration setting unit 202c stores the registration data with the user as the registrant in the registration database 206c.

When the read data is acquired by the read data acquisition unit 202a, the application screen display control unit 202d controls the terminal device 100 to display an application screen for inputting a dividend receipt application instruction.

The confirmation code transmission unit 202e transmits the confirmation code to the prospective recipient corresponding to the recipient. Here, the confirmation code transmission unit 202e is the recipient's e-mail address or the recipient's telephone number stored in the dividend payment schedule database 206a of the recipient corresponding to the recipient identification data included in the read data. A confirmation code may be sent to SMS). Further, the confirmation code transmission unit 202e may generate the confirmation code each time before transmission. The confirmation code transmission unit 202e may store the transmitted confirmation code in the dividend payment schedule database 206a.

The confirmation screen display control unit 202f controls the terminal device 100 to display a confirmation screen for inputting the confirmation code. Here, the confirmation screen display control unit 202f may control the terminal device 100 to display a confirmation screen for inputting a telephone number.

The payment schedule determination unit 202g determines whether or not there is dividend payment schedule data corresponding to the read data. Here, when the code determination unit 202j determines that the input code and the confirmation code match, the payment schedule determination unit 202g stores the dividend payment schedule data stored in the dividend payment schedule database 206a corresponding to the read data. It may be determined whether or not there is. Further, when the code determination unit 202j determines that the input telephone number and the recipient telephone number match, the payment schedule determination unit 202g plans to pay the dividend stored in the dividend payment schedule database 206a corresponding to the read data. It may be determined whether or not there is data. Further, when the user of the terminal device 100 inputs the receipt application instruction to the application screen, the payment schedule determination unit 202g has the dividend payment schedule data stored in the dividend payment schedule database 206a corresponding to the read data. It may be determined whether or not.

The recipient determination unit 202h determines whether or not the recipient identification data and the registrant identification data match. Here, when the payee determination unit 202h determines that there is dividend payment schedule data corresponding to the read data by the payment schedule determination unit 202g, whether or not the payee identification data and the registrant identification data match. To judge.

When the recipient determination unit 202h determines that the recipient identification data and the registrant identification data match, the approval screen display control unit 202i causes the terminal device 100 to display an approval screen for inputting a confirmation code.

The code determination unit 202j determines whether or not the input code input to the approval screen by the user of the terminal device 100 and the confirmation code match. Here, the code determination unit 202j may determine whether or not the input code input to the confirmation screen by the user of the terminal device 100 matches the confirmation code. Further, the code determination unit 202j may determine whether or not the input telephone number entered on the confirmation screen by the user of the terminal device 100 and the recipient telephone number match.

The payment notification screen display control unit 202k displays a payment notification screen for notifying the payment of dividends when the payment schedule determination unit 202g determines that there is no dividend payment schedule data corresponding to the read data. It is controlled to be displayed in.

The non-delivery notification screen display control unit 202m controls the terminal device 100 to display a non-cancellation notification screen for notifying the non-receipt of dividends. Here, when the recipient determination unit 202h determines that the recipient identification data and the registrant identification data do not match, the non-notification screen display control unit 202m displays a non-receipt notification screen for notifying the non-receipt of dividends. It may be controlled so that it may be displayed on the device 100. Further, when the code determination unit 202j determines that the input code and the confirmation code do not match, the non-notification screen display control unit 202m causes the terminal device 100 to display a non-delivery notification screen notifying that the dividend cannot be received. It may be controlled to.

When the payee determination unit 202h determines that the payee identification data and the registrant identification data match, the payment request unit 202n finances the payment request of the dividend to the registrant's bank account based on the registration data. It is transmitted to the engine system 600. Here, when the code determination unit 202j determines that the input code and the confirmation code match, the payment request unit 202n requests the registrant to pay the dividend to the bank account based on the registration data. It may be transmitted to 600.

When the dividend payment request is transmitted to the financial institution system 600 by the payment request unit 202n, the dividend payment data update unit 202p deletes the dividend payment schedule data corresponding to the read data from the dividend payment schedule database 206a. , The dividend payment schedule data is stored in the dividend payment database 206b as the dividend payment data.

[3. Dividend payment system processing]
An example of processing of the dividend payment system according to the present embodiment will be described with reference to FIGS. 4 to 7. FIG. 4 is a flowchart showing an example of processing of the dividend payment system in the present embodiment.

As shown in FIG. 4, when the user scans the QR code (registered trademark) of the dividend payment notice using the photographing unit 110 of the terminal device (smartphone) 100, the control unit 102 of the smartphone 100 scans. By transmitting the read data of the dividend payment notice including the payee identification data of the dividend of the stock read from the QR code (registered trademark) and the payment amount to the server 200, the read data of the server 200 The acquisition unit 202a acquires the read data (step SA-1).

Then, the application screen display control unit 202d of the server 200 causes the input / output unit 112 of the smartphone 100 to display an application screen (menu screen) for inputting a dividend receiving application instruction or a dividend receiving application setting instruction. Control (step SA-2).

Then, the application screen display control unit 202d of the server 200 determines whether or not the dividend receiving application instruction has been input by the user who has registered the dividend receiving application via the input / output unit 112 of the smartphone 100 (step SA). -3). In the present embodiment, for example, based on whether or not the MAC address of the access source matches the registrant terminal identification data, whether or not the user who has registered the dividend receiving application instructs to receive the dividend is determined. It may be determined automatically.

Then, the application screen display control unit 202d of the server 200 does not input the dividend receiving application instruction by the user who has registered the dividend receiving application, and the dividend receiving application setting instruction (dividend) by the user who has not registered the dividend receiving application. When it is determined that the payment instruction (installation instruction of the money receiving application) has been input (step SA-3: No), the process is shifted to step SA-4.

Then, the setting screen display control unit 202b of the server 200 controls the setting screen for setting new registration data (dividend receiving application registration data) to be displayed on the input / output unit 112 of the smartphone 100, and the user uses the smartphone 100. It is determined whether or not the dividend receiving application registration has been carried out via the input / output unit 112 of the above (step SA-4).

Then, when it is determined that the dividend receiving application registration has been performed (step SA-4: Yes), the setting screen display control unit 202b of the server 200 controls so that the installation of the dividend receiving application is completed on the smartphone 100. Then, the process is shifted to step SA-5.

Then, the registration setting unit 202c of the server 200 stores the registration data in which the user of the dividend receiving application registration implemented on the smartphone 100 is the registrant in the dividend receiving application registration database 206c (step SA-5). The process shifts to step SA-2.

On the other hand, when the setting screen display control unit 202b of the server 200 determines that the dividend receiving application registration has not been performed and has been canceled (step SA-4: No), the process shifts to step SA-6.

Then, the non-delivery notification screen display control unit 202m of the server 200 controls so that the non-receipt notification screen for notifying the non-receipt of dividends is displayed on the input / output unit 112 of the smartphone 100 (step SA-6), and ends the process. To do.

On the other hand, when the application screen display control unit 202d of the server 200 determines that the dividend receiving application instruction has been input by the user who has registered the dividend receiving application (step SA-3: Yes), the dividend is paid by the smartphone 100. Start the receiving application and shift the process to step SA-7.

Then, the payee determination unit 202h of the server 200 matches the payee identification data of the dividend recipient and the registrant identification data of the dividend receiving application setting account holder stored in the dividend receiving application registration database 206c. Whether or not it is determined (step SA-7).

Then, in the recipient determination unit 202h of the server 200, the payee identification data of the dividend recipient and the registrant identification data of the dividend receiving application setting account holder stored in the dividend receiving application registration database 206c do not match. If it is determined (step SA-7: No), the process is shifted to step SA-6.

On the other hand, when the payee determination unit 202h of the server 200 matches the payee identification data of the dividend recipient and the registrant identification data of the dividend receiving application setting account holder stored in the dividend receiving application registration database 206c. If it is determined (step SA-7: Yes), the process shifts to step SA-8.

Then, the approval screen display control unit 202i of the server 200 displays the approval screen for inputting the confirmation code (password) as the receipt authentication in the dividend receiving application on the input / output unit 112 of the smartphone 100, and determines the code of the server 200. Unit 202j determines whether or not the input code input to the approval screen by the user of the smartphone 100 matches the confirmation code (step SA-8). As described above, in the present embodiment, the user is made to confirm the receipt amount and the deposit account displayed on the smartphone screen, and the password is input for the receipt approval.

Then, when the code determination unit 202j of the server 200 determines that the input code input on the approval screen and the confirmation code do not match (step SA-8: No), the process shifts to step SA-6.

On the other hand, when the code determination unit 202j of the server 200 determines that the input code input on the approval screen and the confirmation code match (step SA-8: Yes), the process shifts to step SA-9.

Then, the payment request unit 202n of the server 200 sends a dividend payment request to the registrant's dividend receiving application setting account to the financial institution system 600, and the financial institution system 600 distributes the dividend to the dividend receiving application setting account. The money transfer is executed (step SA-9), and the process is completed.

Here, a specific example of the dividend payment processing in the present embodiment will be described with reference to FIGS. 5 to 7. 5 to 7 are flow charts showing an example of dividend payment processing according to the present embodiment.

[Dividend payment processing (1)]
As shown in FIG. 5, in the present embodiment, when the user scans the QR code (registered trademark) of the stock dividend payment notice using the smartphone 100, the dividend receipt application instruction or the dividend Display the dividend receiving menu screen on the smartphone 100 for inputting the money receiving application setting instruction (step SB-1).

Then, in the present embodiment, when a user who has not registered the dividend receiving application selects a dividend receiving application instruction on the dividend receiving menu screen, a message prompting the dividend receiving application setting (registration) and dividend receiving are performed. When the screen displaying the hyperlink to the menu screen is displayed on the smartphone 100 (step SB-2) and the user selects the hyperlink to the dividend receiving menu screen, in order to set the dividend receiving application, Display the dividend receiving menu screen on the smartphone 100 (step SB-3).

On the other hand, in the present embodiment, when a user who has registered a dividend receiving application selects a dividend receiving application instruction (dividend smartphone receiving application) on the dividend receiving menu screen, the dividend receiving application is used on the smartphone 100. Is activated, and a confirmation code is sent to the prospective recipient's e-mail address or the prospective recipient's telephone number corresponding to the recipient of the dividend stated in the dividend payment notice (step SB-4).

Then, in the present embodiment, when the confirmation screen for inputting the confirmation code is displayed on the smartphone 100, the confirmation code is input by the user on the confirmation screen, and the execution button is selected (step SB-5), the payer (step SB-5). Company) Dividend payment details including name, receipt amount and recipient name, and return to dividend receipt menu screen By displaying a screen with a check box on the smartphone 100, the user can confirm the amount and process it. To continue, select the execute button (step SB-6). As described above, in the present embodiment, the payee confirmation is executed by the dividend receiving application.

Then, in the present embodiment, when an approval screen for inputting a confirmation code as receipt authentication in the dividend receiving application is displayed on the smartphone 100, the confirmation code is input by the user on the approval screen, and the execute button is selected ( Step SB-7), the dividend request is completed.

[Dividend payment processing (2)]
As shown in FIG. 6, in the present embodiment, when the user activates the dividend receiving application of the smartphone 100, a confirmation screen for inputting the confirmation code is displayed on the smartphone 100, and the confirmation code is input by the user on the confirmation screen. , When the execute button is selected (step SC-1), the dividend payment details including the payer name, the received amount and the payee name read by the dividend receiving application, and the check box for returning to the dividend receiving menu screen. Is displayed on the smartphone 100, and the execution button is selected in the case of approval (step SC-2).

Then, in the present embodiment, by confirming that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a match, the dividend payment schedule corresponding to the read data is confirmed. It is determined whether or not there is dividend payment schedule data stored in the database 206a (step SC-3).

Then, in the present embodiment, when it is not possible to confirm the match between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a (step SC-3: mismatch). The payment notification screen for notifying the payment of dividends is displayed on the smartphone 100 (step SC-4).

On the other hand, in the present embodiment, when it is confirmed that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a can be confirmed (step SC-3: match), the dividend is paid. Confirm that the name and address of the recipient of the payment notice match the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c (step SC). -5).

Then, in the present embodiment, the name and address of the recipient of the dividend payment notice, the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c are used. If the match of, cannot be confirmed (step SC-5: mismatch), the smartphone 100 is displayed with a non-receipt notification screen notifying that the dividend cannot be received (step SC-6).

On the other hand, in the present embodiment, the name and address of the recipient of the dividend payment notice, the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c are used. If the match of, can be confirmed (step SC-5: match), the smartphone 100 is displayed with an approval screen for inputting the confirmation code as the receipt authentication in the dividend receiving application, and the user of the smartphone 100 inputs it to the approval screen. It is determined whether or not the input code and the confirmation code match (step SC-7).

Then, in the present embodiment, when it is determined that the input code entered on the approval screen by the user of the smartphone 100 and the confirmation code do not match, the confirmation code is regarded as unapprovable (step SC-7: unapprovable). The process shifts to step SC-6.

On the other hand, in the present embodiment, when it is determined that the input code entered on the approval screen by the user of the smartphone 100 and the confirmation code match, the confirmation code is regarded as approval (step SC-7: approval), and the recipient name. , The transfer confirmation data including the received amount, the receiving bank account and the shareholder number is transmitted to the financial institution system 600, and the financial institution system 600 is made to execute the transfer of the dividend to the designated account (the receiving bank account) (step SC-8). .. In this way, in the present embodiment, the dividend payment transfer data read and approved by the dividend receiving application is created, and the necessary funds are transferred or transferred from the storage account of the smartphone receipt collection bank.

Then, in the present embodiment, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule database 206a, and the dividend payment schedule data is stored in the dividend payment database 206b as the dividend payment data. (Step SC-9), and the process ends.

[Dividend payment processing (3)]
As shown in FIG. 7, in the present embodiment, when the user scans the QR code (registered trademark) of the stock dividend payment notice using the smartphone 100, the dividend receipt application instruction or the dividend Display the dividend receiving menu screen for selecting the money receiving application setting instruction on the smartphone 100 (step SD-1).

Then, in the present embodiment, when the dividend receiving application instruction (dividend smartphone receiving application) is selected on the dividend receiving menu screen, the dividend receiving application is started on the smartphone 100 and the telephone number is input. When the confirmation screen is displayed on the smartphone 100, the telephone number is input by the user on the confirmation screen, and the execute button is selected, the telephone number included in the read data of the dividend payment notice and the dividend payment schedule database 206a are stored. It is confirmed whether or not the given telephone number matches (step SD-2). Here, in the present embodiment, it may be set to allow the user to make a mistake in inputting the telephone number on the confirmation screen up to three times.

Then, in the present embodiment, the telephone number is input by the user on the confirmation screen, and it is confirmed that the telephone number included in the read data of the dividend payment notice matches the telephone number stored in the dividend payment schedule database 206a. If it cannot be done, the telephone number is regarded as unapprovable (step SD-2: unapprovable), and a disapproval notification screen for notifying the non-receipt of dividends is displayed on the smartphone 100 (step SD-3).

On the other hand, in the present embodiment, the telephone number is input by the user on the confirmation screen, and it is confirmed that the telephone number included in the read data of the dividend payment notice matches the telephone number stored in the dividend payment schedule database 206a. If it is possible, the phone number is regarded as approved (step SD-2: approval), the dividend payment details including the payer name, the received amount and the payee name read by the dividend receiving application, and the dividend receiving menu screen. Return to Return By displaying the screen displaying the check box on the smartphone 100, the user is made to confirm the amount and select the execute button when continuing the process (step SD-4).

Then, in the present embodiment, by confirming that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a match, the dividend payment schedule corresponding to the read data is confirmed. It is determined whether or not there is dividend payment schedule data stored in the database 206a (step SD-5).

Then, in the present embodiment, when it is not possible to confirm the match between the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a (step SD-5: mismatch). The payment notification screen for notifying the payment of dividends is displayed on the smartphone 100 (step SD-6).

On the other hand, in the present embodiment, when it is confirmed that the read data of the dividend payment notice and the dividend payment schedule data stored in the dividend payment schedule database 206a can be confirmed (step SD-5: match), the dividend is paid. Confirm that the name and address of the recipient of the payment notice match the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c (step SD). -7).

Then, in the present embodiment, the name and address of the recipient of the dividend payment notice, the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c are used. If the match of, cannot be confirmed (step SD-7: mismatch), the process is shifted to step SD-3.

On the other hand, in the present embodiment, the name and address of the recipient of the dividend payment notice, the name of the registrant of the dividend receiving application and the address of the registrant of the dividend receiving application stored in the dividend receiving application registration database 206c are used. If the match of, can be confirmed (step SD-7: match), the approval screen for inputting the confirmation code as the receipt authentication in the dividend receiving application is displayed on the smartphone 100, and the user of the smartphone 100 inputs it to the approval screen. It is determined whether or not the input code and the confirmation code match (step SD-8).

Then, in the present embodiment, when it is determined that the input code input to the approval screen by the user of the smartphone 100 and the confirmation code do not match, the confirmation code is regarded as unapprovable (step SD-8: unapprovable). The process shifts to step SD-3.

On the other hand, in the present embodiment, when it is determined that the input code entered on the approval screen by the user of the smartphone 100 and the confirmation code match, the confirmation code is regarded as approval (step SD-8: approval), and the recipient name. , The transfer confirmation data including the received amount, the receiving bank account and the shareholder number is transmitted to the financial institution system 600, and the financial institution system 600 is made to execute the transfer of the dividend to the designated account (the receiving bank account) (step SD-9). .. In this way, in the present embodiment, the dividend payment transfer data read and approved by the dividend receiving application is created, and the necessary funds are transferred or transferred from the storage account of the smartphone receipt collection bank.

Then, in the present embodiment, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule database 206a, and the dividend payment schedule data is stored in the dividend payment database 206b as the dividend payment data. (Step SD-10), and the process ends.

[4. Other embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical ideas described in the claims.

For example, of each of the processes described in the embodiments, all or part of the processes described as being automatically performed may be manually performed, or all of the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method.

In addition, the processing procedure, control procedure, specific name, information including parameters such as registration data and search conditions of each processing, screen examples, and database configuration shown in the present specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the terminal device 100, the server 200, and the financial institution system 600, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the terminal device 100 and the server 200, particularly each processing function performed by the control unit 102 and the control unit 202, all or any part thereof is interpreted and executed by the CPU and the CPU. It may be realized by a program, or it may be realized as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the process described in the present embodiment, and the terminal apparatus 100 is required. Is read mechanically. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into the RAM, and cooperates with the CPU to form a control unit.

Further, this computer program may be stored in an application program server connected to the terminal device 100 and the server 200 via an arbitrary network 300, and all or a part thereof may be downloaded as needed. Is also possible.

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (registration). Trademarks) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disk), MO (Magnet-Optical Disk), MO (Magnet-Optical Disc), DVD (Digital), DVD (Digital) It shall include any "portable physical medium".

The "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as a plurality of modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium and the installation procedure after reading in each device shown in the present embodiment.

The various databases and the like stored in the storage unit 106 and the storage unit 206 are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and websites. Stores various programs, tables, databases, files for web pages, etc. used for provision.

Further, the terminal device 100 and the server 200 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the terminal device 100 and the server 200 may be realized by mounting software (including a program or data) that realizes the processing described in the present embodiment on the device.

Further, the specific form of the distribution / integration of the device is not limited to the one shown in the drawing, and all or a part thereof may be functionally or physically in an arbitrary unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

The present invention is useful in the financial industry for paying dividends on stocks.

100 Terminal device 102 Control unit 106 Storage unit 110 Imaging unit 112 Input / output unit 200 Server 202 Control unit 202a Read data acquisition unit 202b Setting screen display control unit 202c Registration setting unit 202d Application screen display control unit 202e Confirmation code transmission unit 202f Confirmation screen Display control unit 202g Payment schedule judgment unit 202h Recipient judgment unit 202i Approval screen display control unit 202j Code judgment unit 202k Payment notification screen Display control unit 202m Impossible notification screen display control unit 202n Payment request unit 202p Dividend payment data update unit 206 Storage unit 206a Dividend payment schedule database 206b Dividend payment database 206c Registration database 300 Network 600 Financial institution system

Claims (15)

It is a dividend payment system in which a farm banking system, a terminal device equipped with a photographing unit, and a dividend payment device equipped with a storage unit and a control unit are communicably connected.
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including shareholder identification data and payment schedule amount of shareholders who are planning to receive stock dividends,
A registration storage means for storing registration data including the shareholder identification data and bank account data of the shareholder who is registered to receive dividends on the terminal device.
With
The control unit
The dividend including the shareholder identification data and the payment amount of the shareholder who receives the dividend of the stock based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. A reading data acquisition means for acquiring the reading data of the payment notice,
Based on the read data, the shareholder identification data of the shareholder who is planning to receive the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock, and the payment corresponding to the payment amount. including planned amount, payment schedule determining means for determining whether Luke been stored in the dividend payment plan data is the dividend payment schedule storage means,
If the payment schedule judgment means by Ri before Symbol dividend payment schedule data is determined to be that have been stored in the dividend payment schedule storage means, included in the registration data and the shareholder identification data contained in the read data Recipient determination means for determining whether or not the shareholder identification data matches
When the beneficiary determination means determines that the shareholder identification data match, the dividend to the bank account of the shareholder who has registered to receive the dividend on the terminal device based on the registration data. Payment request means for sending the payment request to the farm banking system,
Dividend payment system featuring. The dividend payment schedule storage means is
In addition, memorize the confirmation code and
The control unit
When it is determined by the beneficiary determination means that the shareholder identification data match, the approval screen display control means for controlling the terminal device to display the approval screen for inputting the confirmation code, and the approval screen display control means.
A code determining means for determining whether or not the input code input to the approval screen by the user of the terminal device matches the confirmation code, and
With more
The payment request means
When the code determination means determines that the input code and the confirmation code match, the shareholder who has registered to receive the dividend on the terminal device is sent to the bank account based on the registration data. The dividend payment system according to claim 1, wherein the dividend payment request is transmitted to the farm banking system. The dividend payment schedule storage means is
In addition, memorize the confirmation code and
The control unit
A confirmation screen display control means for controlling the terminal device to display a confirmation screen for inputting the confirmation code, and
A code determining means for determining whether or not the input code input to the confirmation screen by the user of the terminal device matches the confirmation code, and
With more
The payment schedule determination means
When the code determination means determines that the input code and the confirmation code match , the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock based on the read data. shareholders shareholders identification data is received appointments, and determining whether said payment including planned amount, Luca whether the dividend payment schedule data is not stored in the dividend payment schedule storage means corresponding to the payment amount The dividend payment system according to claim 1, wherein the dividend payment system is characterized by the above. The control unit
Confirmation code transmission means for transmitting the confirmation code to shareholders who receive dividends on the shares.
The dividend payment system according to claim 2 or 3, further comprising. The shareholder identification data is
Including the recipient's phone number
The control unit
A confirmation screen display control means for controlling the terminal device to display a confirmation screen for inputting a telephone number, and
A code determination means for determining whether or not the input telephone number input to the confirmation screen by the user of the terminal device and the recipient telephone number match.
With more
The payment schedule determination means
When the code determination means determines that the input telephone number and the recipient telephone number match , the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock based on the read data. dividends received will be a shareholder shareholder identification data, and the corresponding payment amount including the payment schedule amount, the dividend payment schedule data is not stored in the dividend payment schedule storage means Rukaina The dividend payment system according to claim 1, wherein the dividend payment system is characterized in that. The storage unit
Dividend payment storage means for storing dividend payment data,
With more
When the dividend payment request is transmitted to the farm banking system by the payment request means, the dividend payment schedule data corresponding to the read data is deleted from the dividend payment schedule storage means, and the dividend payment is made. Dividend payment data updating means, which stores the scheduled data as the dividend paid data in the dividend paid storage means,
The dividend payment system according to any one of claims 1 to 5, further comprising. The control unit
Setting screen display control means for controlling the setting screen for setting new registration data to be displayed on the terminal device, and
When the new registration data is input to the setting screen by the user of the terminal device, the registration setting means for storing the registration data with the user as the registrant and the registration setting means for storing the registration data in the registration storage means.
The dividend payment system according to claim 1, further comprising. The control unit
An application screen display control means for controlling the terminal device to display an application screen for inputting an application instruction for receiving dividends when the read data is acquired by the read data acquisition means.
With more
The payment schedule determination means
When the receipt application instruction is input to the application screen by the user of the terminal device, the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock based on the read data. shareholders shareholders identification data is received scheduled, and determines whether the payment including planned amount, Luca whether the dividend payment schedule data is not stored in the dividend payment schedule storage means corresponding to the payment amount The dividend payment system according to claim 1, wherein the dividend payment system is characterized in that. The control unit
If the payment schedule judgment means by Ri before Symbol dividend payment schedule data is determined not to be stored in the dividend payment schedule storage means, the terminal a paid notification screen to notify the paid of the dividends Payment notification screen display control means, which controls the display on the device,
The dividend payment system according to any one of claims 1 to 7, further comprising. The control unit
When it is determined by the beneficiary determination means that the shareholder identification data do not match, the disapproval notification screen display control means for controlling the terminal device to display the disapproval notification screen for notifying the non-receipt of the dividend
The dividend payment system according to any one of claims 1 to 7, further comprising. The control unit
When it is determined by the code determination means that the input code and the confirmation code do not match, the non-notification screen display control for controlling the terminal device to display the non-receipt notification screen for notifying the non-receipt of the dividend. means,
The dividend payment system according to claim 2, further comprising. A dividend payment device having a storage unit and a control unit, which is communicably connected to a farm banking system and a terminal device having a photographing unit.
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including shareholder identification data and payment schedule amount of shareholders who are planning to receive stock dividends,
A registration storage means for storing registration data including the shareholder identification data and bank account data of the shareholder who is registered to receive dividends on the terminal device.
With
The control unit
The dividend including the shareholder identification data and the payment amount of the shareholder who receives the dividend of the stock based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. A reading data acquisition means for acquiring the reading data of the payment notice, and
Based on the read data, the shareholder identification data of the shareholder who is planning to receive the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock, and the payment corresponding to the payment amount. including planned amount, payment schedule determining means for determining whether Luke been stored in the dividend payment plan data is the dividend payment schedule storage means,
If the payment schedule judgment means by Ri before Symbol dividend payment schedule data is determined to be that have been stored in the dividend payment schedule storage means, included in the registration data and the shareholder identification data contained in the read data Recipient determination means for determining whether or not the shareholder identification data matches
When the beneficiary determination means determines that the shareholder identification data match, the dividend to the bank account of the shareholder who has registered to receive the dividend on the terminal device based on the registration data. Payment request means for sending the payment request to the farm banking system,
A dividend payment device characterized by being equipped with. It is a dividend payment method for causing a dividend payment system that is communicably connected to execute a farm banking system, a terminal device having a photographing unit, and a dividend payment device having a storage unit and a control unit.
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including shareholder identification data and payment schedule amount of shareholders who are planning to receive stock dividends,
A registration storage means for storing registration data including the shareholder identification data and bank account data of the shareholder who is registered to receive dividends on the terminal device.
With
It is executed by the control unit.
The dividend including the shareholder identification data and the payment amount of the shareholder who receives the dividend of the stock based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. The reading data acquisition step to acquire the reading data of the payment notice, and
Based on the read data, the shareholder identification data of the shareholder who is planning to receive the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock, and the payment corresponding to the payment amount. including planned amount, payment schedule determination step determines Luke not been stored in the dividend payment plan data is the dividend payment schedule storage means,
If the payment schedule determined before Symbol dividend payment schedule data Te to step it is determined that is stored in the dividend payment schedule storage means, included in the registration data and the shareholders identification data included in the read data A beneficiary determination step for determining whether or not the shareholder identification data matches, and
If it is determined in the beneficiary determination step that the shareholder identification data match, the dividend to the bank account of the shareholder who has registered to receive the dividend on the terminal device based on the registration data. A payment request step that sends a payment request for money to the farm banking system,
Dividend payment method characterized by including. It is a dividend payment method for executing a farm banking system and a dividend payment device having a storage unit and a control unit, which is communicably connected to a terminal device having a photographing unit.
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including shareholder identification data and payment schedule amount of shareholders who are planning to receive stock dividends,
A registration storage means for storing registration data including the shareholder identification data and bank account data of the shareholder who is registered to receive dividends on the terminal device.
With
It is executed by the control unit.
The dividend including the shareholder identification data and the payment amount of the shareholder who receives the dividend of the stock based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. The reading data acquisition step to acquire the reading data of the payment notice, and
Based on the read data, the shareholder identification data of the shareholder who is planning to receive the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock, and the payment corresponding to the payment amount. including planned amount, payment schedule determination step determines Luke not been stored in the dividend payment plan data is the dividend payment schedule storage means,
If the payment schedule determined before Symbol dividend payment schedule data Te to step it is determined that is stored in the dividend payment schedule storage means, included in the registration data and the shareholders identification data included in the read data A beneficiary determination step for determining whether or not the shareholder identification data matches, and
If it is determined in the beneficiary determination step that the shareholder identification data match, the dividend to the bank account of the shareholder who has registered to receive the dividend on the terminal device based on the registration data. A payment request step that sends a payment request for money to the farm banking system,
Dividend payment method characterized by including. It is a dividend payment program for executing a farm banking system and a dividend payment device having a storage unit and a control unit, which is communicatively connected to a terminal device having a photographing unit.
The storage unit
Dividend payment schedule storage means for storing dividend payment schedule data including shareholder identification data and payment schedule amount of shareholders who are planning to receive stock dividends,
A registration storage means for storing registration data including the shareholder identification data and bank account data of the shareholder who is registered to receive dividends on the terminal device.
With
In the control unit
The dividend including the shareholder identification data and the payment amount of the shareholder who receives the dividend of the stock based on the two-dimensional code on the dividend payment notice photographed by the photographing unit of the terminal device. The reading data acquisition step to acquire the reading data of the payment notice, and
Based on the read data, the shareholder identification data of the shareholder who is planning to receive the dividend of the stock corresponding to the shareholder identification data of the shareholder who receives the dividend of the stock, and the payment corresponding to the payment amount. including planned amount, payment schedule determination step determines Luke not been stored in the dividend payment plan data is the dividend payment schedule storage means,
If the payment schedule determined before Symbol dividend payment schedule data Te to step it is determined that is stored in the dividend payment schedule storage means, included in the registration data and the shareholders identification data included in the read data A beneficiary determination step for determining whether or not the shareholder identification data matches, and
If it is determined in the beneficiary determination step that the shareholder identification data match, the dividend to the bank account of the shareholder who has registered to receive the dividend on the terminal device based on the registration data. A payment request step that sends a payment request for money to the farm banking system,
Dividend payment program to run.

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