JP6875613B1 - Information processing equipment, information processing methods and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique for generating payment data capable of reducing the labor of a debtor. According to one aspect of the present invention, the information processing apparatus includes an acquisition unit, an analysis unit, a generation unit, and an output unit, and the acquisition unit collects payment-related document data. Acquired, the analysis unit analyzes the payment-related document data, the generation unit generates payment data based on the result of analysis by the analysis unit, and the output unit outputs the payment data. An information processing device is provided. [Selection diagram] Fig. 4

Description

The present invention relates to an information processing device, an information processing method and a program.

There is a technology to create payment data based on invoice data. For example, Patent Document 1 discloses a device that performs a predetermined process for payment based on payment guidance data representing a payment schedule by a debtor and after approval by a creditor.

Japanese Unexamined Patent Publication No. 2004-94926

However, the technique described in Patent Document 1 is different from the conventional business practice in which the debtor pays according to the invoice issued by the creditor, and may not be familiar with the conventional business practice. Nowadays, it is widespread for creditors to send an e-mail with an invoice to the debtor, and the debtor who receives the e-mail checks the invoice attached to the e-mail and manually. It is common to create payment data in. However, there may be multiple creditors for a particular debtor, and if there are multiple accountants within the debtor company, the operation will determine who will put together which invoice. It can be complicated.

The present invention has been made in view of such circumstances, and an object of the present invention is to provide a technique for generating payment data that can reduce the labor of the obligor.

According to one aspect of the present invention, the information processing apparatus includes an acquisition unit, an analysis unit, a generation unit, and an output unit, and the acquisition unit acquires payment-related document data and is described as described above. The analysis unit analyzes the payment-related document data, the generation unit generates payment data based on the result of analysis by the analysis unit, and the output unit outputs the payment data. Provided.

According to one of the present inventions, payment data is generated based on the result of analysis by the analysis unit, so that the time and effort of the debtor can be reduced.

FIG. 1 is a diagram showing an example of a system configuration of a system. FIG. 2 is a diagram showing an example of the hardware configuration of the information processing device. FIG. 3 is a diagram showing an example of the software configuration of the information processing device. FIG. 4 is an activity diagram showing an example of information processing by the information processing device. FIG. 5 is a diagram showing an example of payment data. FIG. 6 is a diagram showing an example of the software configuration of the information processing apparatus of the modified example 4. FIG. 7 is an activity diagram showing an example of information processing by the information processing device of the modified example 4. FIG. 8 is a diagram showing an example of the software configuration of the information processing apparatus of the modified example 5. FIG. 9 is a diagram showing an example of a warning setting file. FIG. 10 is an activity diagram showing an example of information processing by the information processing device of the modified example 5. FIG. 11 is a diagram showing an example of the software configuration of the information processing apparatus of the modified example 7. FIG. 12 is a diagram showing an example of the software configuration of the information processing apparatus of the modified example 8. FIG. 13 is a diagram showing an example of the software configuration of the information processing apparatus of the modified example 9. FIG. 14 is a diagram showing an example of future cash flow displayed on the display unit.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The various features shown in the embodiments shown below can be combined with each other.

As used herein, the term "part" may include, for example, a combination of hardware resources implemented by circuits in a broad sense and information processing of software that can be specifically realized by these hardware resources. Further, in this embodiment, various information is handled, and these information are represented by high and low signal values as a bit set of binary numbers composed of 0 or 1, and communication / calculation is executed on a circuit in a broad sense. Can be done.

A circuit in a broad sense is a circuit realized by at least appropriately combining a circuit, a circuit, a processor, a memory, and the like. That is, an integrated circuit for a specific application (Application Special Integrated Circuit: ASIC), a programmable logic device (for example, a simple programmable logic device (Simple Programmable Logical Device: SPLD), a composite programmable logic device (Complex Programg)). It includes a programmable gate array (Field Programmable Gate Array: FPGA) and the like.

<Embodiment 1>
1. 1. Outline of System 1 FIG. 1 is a diagram showing an example of a system configuration of System 1. The system 1 includes an information processing device 100 on the debtor side (hereinafter, simply referred to as an information processing device 100) and an information processing device 110 on the creditor side (hereinafter, simply referred to as an information processing device 110). The information processing device 100 and the information processing device 110 are communicably connected via the network 120. The information processing device 100 and the information processing device 110 are composed of, for example, a computer such as a server, an e-mail server, or a PC used by a company.
<Outline of processing>
The information processing device 100 acquires invoice data from the information processing device 110 and analyzes the invoice data. The information processing device 100 generates payment data based on the analysis result and outputs the generated payment data. Here, the invoice data is an example of payment-related document data. Invoice data is data related to invoices, such as payment due date, breakdown of goods or services for payment, quantity, amount, payment destination identification information (company name, etc.), payment destination bank account information, payment deadline. Etc. are included. Further, the payment data is payment data related to an invoice or the like, and when there are a plurality of payments, it is data that summarizes the data of the plurality of payments. For example, by recording information on these payments in a spreadsheet and uploading it to Internet banking or the like, it becomes possible to make a plurality of payments at once. An example of payment data is shown in FIG. 5, which will be described later.

2. Hardware Configuration of Information Processing Device 100 FIG. 2 is a diagram showing an example of the hardware configuration of the information processing device 100. The information processing device 100 includes a control unit 201, a storage unit 202, an input unit 203, a display unit 204, and a communication unit 205 as a hardware configuration. The control unit 201 is a CPU (Central Processing Unit) or the like, and controls the entire information processing apparatus 100. The storage unit 202 is an HDD (Hard Disk Drive), a ROM (Read Only Memory), a RAM (Random Access Memory), or the like, and is a program, data or the like used when the control unit 201 executes processing based on the program. Remember. By executing the process based on the program stored in the storage unit 202, the control unit 201 functions the information processing device 100 of FIGS. 3, 6, 8, 11, 12, and 13, which will be described later. The configuration and the processing of the activity diagrams of FIGS. 4, 7, and 10 described later are realized. The input unit 203 is a button or the like, and inputs a user operation to the control unit 201. The display unit 204 is a display or the like, and displays the processing result or the like of the control unit 201. The communication unit 205 is a NIC (Network Interface Card) or the like, and connects the information processing device 100 to the network. The storage unit 202 stores various programs and data, and is composed of, for example, a memory, a hard disk, an SSD, or the like.

The information processing device 110 also has the same hardware configuration as the information processing device 100. The function of the information processing device 110 is realized by the control unit of the information processing device 110 executing processing based on the program stored in the storage unit of the information processing device 110.

3. 3. Functional configuration of the information processing device 100 FIG. 3 is a diagram showing an example of a software configuration of the information processing device 100. The information processing device 100 includes an acquisition unit 301, an analysis unit 302, a generation unit 303, and an output unit 304.

<Acquisition unit 301>
The acquisition unit 301 acquires payment-related document data. In the present embodiment, the payment-related document data is data related to payment, for example, data representing a quotation, a purchase order, a purchase order, a delivery note, a receipt (receipt), an invoice, a payment, and a receipt. is there.

<Analysis unit 302>
The analysis unit 302 analyzes the payment-related document data acquired by the acquisition unit 301. When the payment-related document data is invoice data, the analysis unit 302 determines the payment date included in the invoice data, the breakdown of goods or services for which payment is made, the number of items, the amount of money, and the identification information of the payee (company name, etc.). , Payment destination bank account information, payment deadline, etc. are analyzed. In addition, it is preferable to analyze the contents of journals to be entered in the company's accounting system from the breakdown of goods or services included in the invoice data as consideration for payment.

<Generator 303>
The generation unit 303 generates payment data based on the result of analysis by the analysis unit 302. In the present embodiment, various information analyzed by the analysis unit is used to generate payment data that can be used for transfer processing. That is, the payment data conventionally created manually is automatically generated by the cooperation of the analysis unit 302 and the generation unit 303.

Further, when the payment-related document data is invoice data, the generation unit 303 may generate the journal data based on the analysis result of the journal content by the analysis unit 302. By inputting such journal data into an arbitrary accounting system, the journal content is automatically input to the accounting system after receiving the invoice data.

<Output unit 304>
The output unit 304 outputs the payment data generated by the generation unit 303. Specifically, the output unit 304 may output the payment data by displaying it on the display unit 204, may output it by storing it in a predetermined storage area of the storage unit 202, or may output the communication. It may be output by transmitting to a predetermined external device via unit 205. Further, the output unit 304 may upload the payment data to the Internet banking system, send it to the accounting staff or the accounting manager by e-mail or the like, and upload it to a predetermined storage location on the server. ..

4. Information Processing FIG. 4 is an activity diagram showing an example of information processing by the information processing apparatus 100. In the example of FIG. 4, a case where payment-related document data is attached to an e-mail will be described.

In the A400, the acquisition unit 301 waits for receiving an e-mail from the information processing device 110. When the information processing device 110 receives the e-mail and the payment-related data is attached, the acquisition unit 301 of the A402 acquires the payment-related document data from the e-mail as the analysis target of the analysis unit 302.

Here, it is possible to determine whether or not the payment-related document data is attached to the e-mail received by the information processing apparatus 110 by various methods. In the example of FIG. 4, when the destination of the e-mail includes a preset address, the acquisition unit 301 determines that the e-mail is the target of payment, and proceeds to process A402. Obtain payment-related document data from e-mail. For example, among the recipients (debtors) of payment-related document data, the address of a specific accounting person can be a preset address. This is because the destination of payment-related document data may be specified by the other party in a general business flow. On the other hand, if the destination of the e-mail does not include a preset address, the acquisition unit 301 determines that the e-mail is not related to payment and returns the process to A400. As another example, when the address set as the sender of the e-mail is included, the acquisition unit 301 may determine that the e-mail is the target e-mail related to the invoice. For example, among the senders (creditors) of payment-related document data, the address of a specific accounting person can be a preset address. This is because, in a general business flow, a person in charge of transmitting payment-related document data to the other party may be specified.

In A403, the analysis unit 302 analyzes the payment-related document data acquired in A402. For example, the analysis unit 302 analyzes the layout of payment-related document data, cuts out a row or column, extracts characters from the cut out row or column, performs character recognition, and performs payment due date, an article or service to be paid for payment. The breakdown, quantity, amount of money, identification information of payee (company name, etc.), bank account information of payee, payment deadline, etc. are analyzed. The analysis method is not limited to this, and the payment date, the breakdown of goods or services that are the consideration for payment, the number of items, the amount of money, the identification information of the payee (company name, etc.), and the payee's Any analysis method may be used as long as information such as bank account information and payment deadline can be obtained.

In A404, the generation unit 303 generates payment data based on the result of the analysis in A403. FIG. 5 is a diagram showing an example of payment data. The payment data includes an ID, a payee, a payee's account, an amount, and a due date. The ID is identification information that identifies individual payment data. The payee is the company name of the payee. The account is the bank account information of the payee. The due date is the due date of payment.

Here, when the payment-related document data is invoice data, the generation unit 303 may generate the journal data based on the analysis result of the journal content by the analysis unit 302.

Returning to the description of FIG. In A405, the output unit 304 outputs the payment data generated in A404. Here, in A404, when the generation unit 303 has generated the journal data, the output unit 304 outputs the journal data together with the payment data. The output unit 304 may output the payment data or the journal data by displaying it on the display unit 204, or may output it by storing it in a predetermined storage area of the storage unit 202, or communication. It may be output by transmitting to a predetermined external device via unit 205. This saves the accounting staff from manually creating payment data, and the accounting staff only needs to confirm the payment data output by the output unit 304. In addition, the confirmation by the accounting staff may be omitted, and the payment data may be uploaded as it is to Internet banking or the like. Further, when the journal data is output by the output unit 304, the content of the journal data is automatically reflected in an arbitrary accounting system, and a part of the accounting process can be automated.

According to the processing of the present embodiment, it is not necessary for the accounting staff to manually create the payment data, and the labor of the debtor can be reduced. In addition, creditors and debtors need only exchange in accordance with conventional business practices, and do not need to make new arrangements when introducing a system or the like.

Here, the information processing apparatus 100 can be realized by a computer in which a program for realizing each functional unit shown in FIG. 3 is installed. In addition, instead of installing the program on the debtor's computer, each function is configured on the server operated by the service provider, and the analysis result of e-mail is sent from the server to the computer, so-called cloud computing. It may be realized by. In this case, although not shown in FIG. 1, an e-mail is transferred from the information processing device 100 to another server, and the analysis result and payment data of the e-mail are transmitted from the server to the information processing device 100. Will be done.

(Modification example 1)
Modification 1 will be described. When the subject of the e-mail includes a preset character string, the acquisition unit 301 of the modification 1 determines that the e-mail is an e-mail to which payment-related document data is attached. Then, the acquisition unit 301 acquires the invoice data from the e-mail. As another example, if the body of the e-mail contains a preset character string, the acquisition unit 301 determines that the e-mail is an e-mail with payment-related document data attached, and invoice data from the e-mail. May be obtained. Here, the preset character string is, for example, "invoice, payment, billing" or the like.

(Modification 2)
Modification 2 will be described. When the data name of the data attached to the e-mail includes a preset character string, the acquisition unit 301 of the modification 2 determines that the e-mail is the e-mail to which the payment-related document data is attached. Then, the acquisition unit 301 acquires payment-related document data from the e-mail. As another example, when the metadata of the data attached to the e-mail contains a preset character string, the acquisition unit 301 determines that the e-mail is the e-mail to which the payment-related document data is attached. Payment-related document data may be obtained from e-mail.

(Modification example 3)
Modification 3 will be described. When the acquisition unit 301 of the modification 3 includes information indicating a storage location of payment-related document data in the body of the e-mail or the file attached to the e-mail (example: URL (Uniform Resource Locator)). Determined to be an e-mail with payment-related document data attached. Then, the acquisition unit 301 acquires payment-related document data from the storage location indicated by the information.

(Modification example 4)
Modification 4 will be described. FIG. 6 is a diagram showing an example of the functional configuration of the information processing apparatus 100 of the modified example 4. The functional configuration of the information processing device 100 of the modified example 4 newly includes the decoding unit 601 as compared with the functional configuration of the information processing device 100 of FIG. When the e-mail is encrypted, the decryption unit 601 acquires information for decrypting the e-mail (hereinafter referred to as decryption information), and decrypts the e-mail based on the acquired decryption information. .. The acquisition unit 301 of the modification 4 acquires payment-related document data from the decrypted e-mail.

FIG. 7 is an activity diagram showing an example of information processing by the information processing apparatus 100 of the modified example 4. The activity diagram of the modified example 4 newly includes A700 and A701 as compared with the activity diagram of the first embodiment.

In the A700, the decoding unit 601 acquires the decoding information. More specifically, the decryption unit 601 sets the decryption information (for example,) from the e-mails before and after the encrypted e-mail sent from the same e-mail address as the e-mail address of the encrypted e-mail. , Password).
In A701, the decryption unit 601 decrypts the encrypted e-mail by using the decryption information acquired in A700.
In A402, the acquisition unit 301 acquires payment-related document data from the e-mail decrypted in A701.
In the fourth modification, the encrypted e-mail includes not only the encrypted file attached to the e-mail but also the encrypted body of the e-mail.

According to the fourth modification, payment-related document data can also be obtained from an encrypted e-mail.

(Modification 5)
Modification 5 will be described. FIG. 8 is a diagram showing an example of the functional configuration of the information processing apparatus 100 of the modified example 5. The functional configuration of the information processing device 100 of the modified example 5 newly includes the determination unit 801 as compared with the functional configuration of the information processing device 100 of FIG. The determination unit 801 determines whether or not to output warning information based on the result of analysis by the analysis unit 302. More specifically, the determination unit 801 can acquire the payment destination identification information (company name in the example of the modification 5) from the analysis unit 302 as a result of the analysis of the analysis unit 302. The determination unit 801 acquires a warning setting file set for each payee based on the acquired identification information of the payee. FIG. 9 is a diagram showing an example of the warning setting file 901. The warning setting file 901 describes conditions for determining a warning for each payee. In the example of the warning setting file 901 of FIG. 9, if an account other than 602xxxyyyz, 602xxxyyayaa, and 602xxxyyqqq is described, it is determined as a warning, and if the amount is described as 1,000,000 yen or more, it is determined as a warning. It describes what to do. Here, as for the amount of money, in addition to the one-time payment amount, the total payment amount in a predetermined period (one month) may be used as a warning condition. The determination unit 801 determines whether or not to output the warning information based on the analysis result of the analysis unit 302 (for example, the bank account information of the payee, the amount of money) and the warning setting file 901.

FIG. 10 is an activity diagram showing an example of information processing by the information processing device 100 of the modified example 5. The activity diagram of the modified example 5 newly includes A1000 and A1001 as compared with the activity diagram of the first embodiment.
In A1000, the determination unit 801 determines whether or not to output the warning information based on the analysis result of the analysis unit 302 and the warning setting file 901 of the corresponding payee. If the determination unit 801 determines that the warning information is not output, the process proceeds to A404, and if it determines that the warning information is output, the process proceeds to A1001.
In A1001, the output unit 304 of the modification 5 outputs warning information. The output unit 304 may display the warning information on the display unit 204, store it in a predetermined storage area of the storage unit 202, or transmit the warning information to a predetermined external device via the communication unit 205. May be good. Here, the output by the output unit 304 is not limited to these, and the warning content may be output as voice, or may be printed on paper by a printer. For example, the output unit 304 outputs warning information including the corresponding payment-related document data, information on items determined to be warning targets and their values among payment-related document data, as warning contents.

According to the modification 5, warning information can be output based on the analysis result of the analysis unit 302 and the like. That is, a warning can be output for each payee when the bank account information of the payee is incorrect or the amount is larger than the set value.

(Modification 6)
A modification 6 will be described. In the modified example 5, the determination unit 801 determines whether or not to output the warning information based on the analysis result of the analysis unit 302 and the warning setting file 901 of the corresponding payee. The determination unit 801 of the modification 6 determines whether or not to output the warning information based on the analysis result of the analysis unit 302 and the history information of the analysis result of the corresponding payee. For example, if the amount of the analysis result of the analysis unit 302 differs from the average value of the amount of the invoice so far obtained from the history information of the corresponding payee by a predetermined amount or more, the determination unit 801 provides warning information. Judge to output. The average value is an example and may be the median value or the like. That is, the determination unit 801 determines whether or not to output the warning information based on the analysis result of the analysis unit 302 and the statistical value obtained from the historical information of the analysis result of the corresponding payee. Do. Here, in addition to using the statistical information, the necessity of outputting the warning information may be determined by using machine learning.

According to the modification 6, the warning information can be output based on the history information of the analysis result for each payee even if there is no warning setting file for each payee.

(Modification 7)
Modification 7 will be described. FIG. 11 is a diagram showing an example of the functional configuration of the information processing apparatus 100 of the modified example 7. The functional configuration of the information processing device 100 of the modified example 7 newly includes the selection unit 1101 as compared with the functional configuration of the information processing device 100 of FIG. The selection unit 1101 selects, among the plurality of bank accounts, the account with the lowest transfer fee in relation to the payee's bank account as the payment account for the payment data of the corresponding payee. More specifically, the information processing apparatus 100 has information on a plurality of bank accounts on the debtor side and information on a plurality of bank accounts on each of the plurality of creditors. Further, the information processing device 100 also has information on the transfer fee between each bank account. The selection unit 1101 is based on information on a plurality of bank accounts on the debtor side, information on a plurality of bank accounts of the corresponding creditor (payee), and information on a transfer fee between each bank account. The bank account with the lowest transfer fee is selected as the bank account for payment related to payment data among the multiple bank accounts on the side of the person. When a bank account on the creditor side is specified, the selection unit 1101 uses information on a plurality of bank accounts on the debtor side, information on the designated bank account on the creditor side, and between each bank account. Based on the transfer fee information and the debtor's bank account, the bank account with the lowest transfer fee is selected as the bank account for payment regarding payment data.

According to the modification 7, the bank account with the lowest transfer fee can be selected as the bank account for payment regarding the payment data, and the transfer fee can be reduced. Moreover, since the person in charge does not have to manually select the bank account, the time and effort of the person in charge can be reduced.

(Modification 8)
Modification 8 will be described. FIG. 12 is a diagram showing an example of the functional configuration of the information processing apparatus 100 of the modified example 8. The functional configuration of the information processing device 100 of the modified example 8 newly includes the remittance unit 1201 as compared with the functional configuration of the information processing device 100 of the modified example 7. If the balance of the account selected as the payment account by the selection unit 1101 is less than the amount related to the payment data generated by the generation unit 303, the remittance unit 1201 tells the remittance unit 1201 that the balance of the account selected by the selection unit 1101 is the amount related to the payment data. As described above, remittance is made from another account to the account selected by the selection unit 1101. The remittance unit 1201 may perform the above-mentioned remittance processing when the remittance fee from another account to the account selected by the selection unit 1101 is lower than the transfer fee. Further, the remittance unit 1201 may transfer money to the account selected by the selection unit 1101 from the account with the lowest remittance fee to the account selected by the selection unit 1101 among other accounts. ..

According to the modification 8, even if the account selected by the selection unit 1101 does not have the amount of money for the payment data, the money is transferred from another account to the account selected by the selection unit 1101. be able to.

(Modification 9)
A modification 9 will be described. FIG. 13 is a diagram showing an example of the functional configuration of the information processing apparatus 100 of the modified example 9. The functional configuration of the information processing device 100 of the modified example 9 newly includes the prediction unit 1301 as compared with the functional configuration of the information processing device 100 of FIG. The prediction unit 1301 predicts the future cash flow of the payment source (that is, the debtor side such as an invoice) based on the history information and the like of the payment data generated by the generation unit 303. The output unit 304 of the modification 9 outputs the future cash flow of the payer predicted by the prediction unit 1301. The output unit 304 may display the future cash flow on the display unit 204, store it in a predetermined storage area of the storage unit 202, or transmit it to a predetermined external device via the communication unit 205. You may. FIG. 14 is a diagram showing an example of future cash flow displayed on the display unit 204. In FIG. 14, the horizontal axis represents the date and time, and the vertical axis represents the total balance of the account. In the example of FIG. 14, payment is made to the payee at the end of each month.

Here, when the payment-related document data is invoice data, the payment is substantially fixed, so that the future cash flow can be predicted with high accuracy. On the other hand, payment-related document data includes quotations, purchase orders, purchase orders, invoices, receipts (receipts), payments, and receipts in addition to invoice data. Of these, for quotations, purchase orders, purchase orders, invoices, and acceptances (receipts), the actual invoice amount is undecided, so quotations, purchase orders, purchase orders, invoices, and acceptances. In many cases, the actual billing amount (payment amount) approaches in the order of (receipt). Thereby, it is preferable to predict the future cash flow by using the payment-related document data other than the invoice data in consideration of the weighting according to the receipt phase of the payment-related document data.

In this case, the forecasting unit 1301 predicts the future cash flow of the payment source based on the type of payment-related document data. Further, the forecasting unit 130 may predict the future cash flow of the payee based on the type of payment-related document data. In this case, it can be used for the credit check of the payee.

According to the modified example 9, the future cash flow of the payer can be predicted. Therefore, for example, when the cash flow is likely to be negative, the payment collection after the sale can be accelerated or the sale after the purchase can be made. It will be possible to take measures as soon as possible, such as speeding up the process so as not to increase the inventory.

As another example, the forecasting unit 1301 predicts the future cash flow of the payee (that is, the creditor side of the invoice) based on the history information of the payment data for each payee generated by the generation unit 303. You may do so. The output unit 304 outputs the future cash flow of the payee predicted by the prediction unit 1301.

(Modification example 10)
Modification 10 will be described. The acquisition unit 301 of the modification 10 analyzes the text of the e-mail or the ruled line of the attached data of the e-mail, and determines whether the e-mail is related to the invoice. For example, the acquisition unit 301 determines that the e-mail is related to the invoice if the format of the ruled line of the invoice is the same or similar as a result of the analysis of the ruled line. If it is determined that the e-mail is related to the invoice, the acquisition unit 301 acquires the invoice data from the e-mail. This makes it possible to determine whether the email is related to an invoice by analyzing the ruled lines.

It may be provided in each of the following aspects.
In the information processing device, the acquisition unit acquires the payment-related document data from the e-mail when the e-mail includes a preset address.
In the information processing device, the acquisition unit acquires the payment-related document data from the e-mail when the e-mail contains a preset character string.
In the information processing apparatus, when the acquisition unit includes a preset character string in the data name of the data attached to the e-mail or the metadata of the data attached to the e-mail, the information processing device said. An information processing device that acquires the payment-related document data from an e-mail.
In the information processing device, when the e-mail contains information indicating a storage location of the payment-related document data, the acquisition unit acquires the payment-related document data from the storage location indicated by the information. Processing equipment.
The information processing apparatus further has a decryption unit, which acquires information for decrypting the e-mail when the e-mail is encrypted, and based on the acquired information. An information processing device that decrypts the e-mail, and the acquisition unit acquires the payment-related document data from the e-mail decrypted by the decoding unit.
The information processing apparatus further has a determination unit, and the determination unit determines whether or not to output warning information based on the result of analysis by the analysis unit, and determines that the determination unit outputs warning information. If so, the output unit is an information processing device that outputs warning information.
In the information processing device, the determination unit determines whether or not to output warning information based on the result of analysis by the analysis unit and the history information of the result of analysis by the analysis unit. ..
The information processing apparatus further has a selection unit, and the selection unit pays the account having the lowest fee in relation to the payee's bank account among a plurality of predetermined bank accounts. Information processing device to be selected as the account of.
If the information processing apparatus further has a remittance unit and the balance of the account selected as the payment account by the selection unit is less than the amount related to the payment data, the remittance unit is the account selected by the selection unit. An information processing device that remits money from another account to the account selected by the selection unit so that the balance of the payment data is equal to or greater than the amount related to the payment data.
In the information processing apparatus, the analysis unit analyzes the contents of the journal from the breakdown of the goods or services that are the consideration for the payment included in the payment-related document data, and the generation unit is based on the analysis result by the analysis unit. An information processing device that generates journal data.
The information processing device further includes a prediction unit, which predicts the future cash flow of a payee or a payer based on the payment data.
The information processing method includes a first step, a second step, a third step, and a fourth step. In the first step, the acquisition unit obtains payment-related document data. In the second step, the analysis unit analyzes the payment-related document data, and in the third step, the generation unit generates payment data based on the result of the analysis in the second step. However, in the fourth step, an information processing method in which the payment data is output by the output unit.
In the program, the information processing device is made to function as an acquisition unit, an analysis unit, a generation unit, and an output unit. The acquisition unit acquires payment-related document data, and the analysis unit acquires the payment-related document data. A program that analyzes related document data, the generation unit generates payment data based on the result of analysis by the analysis unit, and the output unit outputs the payment data.
Of course, this is not the case.

Finally, various embodiments of the present invention have been described, but these are presented as examples and are not intended to limit the scope of the invention. The novel embodiment can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. The embodiments and modifications thereof are included in the scope and gist of the invention, and are included in the scope of the invention described in the claims and the equivalent scope thereof.
The above-described embodiment and a plurality of modifications can be executed in any combination.
In the above-described embodiment and the like, the information processing device 100 has been described as a single unit, but the function of the information processing device 100 may be incorporated in an e-mail server or the like on the debtor side. In this case, the debtor's e-mail server or the like is an example of an information processing device. Further, the function of the information processing device 100 may be implemented on a PC (personal computer) of a person in charge on the debtor side. In this case, the PC of the person in charge on the debtor side is an example of the information processing device. Further, the functions of the information processing apparatus 100 may be distributed and implemented in the server and the PC on the debtor side.

1: System 100: Information processing device 110: Information processing device 120: Network 130: Prediction unit 201: Control unit 202: Storage unit 203: Input unit 204: Display unit 205: Communication unit 301: Acquisition unit 302: Analysis unit 303: Generation unit 304: Output unit 601: Decoding unit 801: Judgment unit 901: Warning setting file 1101: Selection unit 1201: Money transfer unit 1301: Prediction unit

Claims (16)

It is an information processing device
It has an acquisition unit, an analysis unit, a generation unit, an output unit, and a prediction unit .
The acquisition department acquires payment-related document data and
The analysis unit analyzes the payment-related document data and
The generation unit generates payment data based on the result of analysis by the analysis unit.
The output unit outputs the payment data,
The forecasting unit predicts the future cash flow of the payee or the payer based on the payment data.
Information processing device. In the information processing apparatus according to claim 1,
When the e-mail contains a preset address, the acquisition unit acquires the payment-related document data from the e-mail.
Information processing device. In the information processing apparatus according to claim 1 or 2.
When the e-mail contains a preset character string, the acquisition unit acquires the payment-related document data from the e-mail.
Information processing device. The information processing apparatus according to any one of claims 1 to 3.
The acquisition unit, the data name of the data attached to an email, or the case where the preset strings metadata of data attached to the e-mail is included, the payment-related than the email Get document data,
Information processing device. The information processing apparatus according to any one of claims 1 to 4.
The acquisition unit, if it contains information that indicates the storage location of the payment related document data to email, and acquires the payment related document data from the storage location where the information indicates,
Information processing device. The information processing apparatus according to any one of claims 1 to 5.
It also has a decoding unit
It said decoding unit, electronic if the mail has been encrypted, acquires information for decrypting said e-mail, decode the e-mail based on the obtained information,
The acquisition unit acquires the payment-related document data from the e-mail decrypted by the decryption unit.
Information processing device. The information processing apparatus according to any one of claims 1 to 6.
It also has a judgment unit
The determination unit determines whether or not to output warning information based on the result of analysis by the analysis unit.
When the determination unit determines that the warning information is output, the output unit outputs the warning information.
Information processing device. In the information processing apparatus according to claim 7,
The determination unit determines whether or not to output warning information based on the analysis result by the analysis unit and the history information of the analysis result by the analysis unit.
Information processing device. The information processing apparatus according to any one of claims 1 to 8.
It also has a selection
The selection unit selects, among a plurality of predetermined bank accounts, the account with the lowest fee in relation to the payee's bank account as the payment account for the payment data.
Information processing device. In the information processing apparatus according to claim 9,
It also has a remittance department
If the balance of the account selected as the payment account by the selection unit is less than the amount related to the payment data, the remittance unit makes the balance of the account selected by the selection unit greater than or equal to the amount related to the payment data. , Send money from another account to the account selected by the selection unit,
Information processing device. The information processing apparatus according to any one of claims 1 to 10.
Wherein the analysis unit analyzes the content of the journal from the article or service breakdown of a consideration for the payment included in the payment-related document data,
The generation unit generates journal data based on the analysis result by the analysis unit.
Information processing device. The information processing apparatus according to any one of claims 1 to 11.
The forecasting unit predicts the future cash flow of the payee or the payer based on the type of the payment-related document data.
Information processing device . In the information processing apparatus according to claim 12,
The payment-related document data is weighted according to the receipt phase.
Information processing device . The information processing apparatus according to any one of claims 1 to 13.
The forecasting unit predicts the future cash flow of the payee or the payer based on the historical information of the payment data.
Information processing device . It is an information processing method executed by an information processing device.
The first step, the second step, the third step, the fourth step, and the fifth step are included.
In the first step, the acquisition unit acquires payment-related document data.
In the second step, the analysis unit analyzes the payment-related document data.
In the third step, the generation unit generates payment data based on the result of the analysis by the second step.
Wherein in the fourth step, the output unit outputs the payment data,
In the fifth step, the forecasting unit predicts the future cash flow of the payee or the payer based on the payment data.
Information processing method. It ’s a program
Information processing device,
It functions as an acquisition unit, an analysis unit, a generation unit, an output unit, and a prediction unit .
The acquisition department acquires payment-related document data and
The analysis unit analyzes the payment-related document data and
The generation unit generates payment data based on the result of analysis by the analysis unit.
The output unit outputs the payment data,
The forecasting unit predicts the future cash flow of the payee or the payer based on the payment data.
program.

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