JPH11272765A - Itemized charge data delivery processing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To save official work by simplifying procedures of transfer processing and payment acknowledgment of public utilities charges and also eliminating unnecessary operation of funds even in a user enterprise having many base offices. SOLUTION: A transfer processing and editing means 3 and a demand and itemized detail editing means 4 which convert and edit itemized charge data of receiving agents and electronic demand and itemized detail data of a user enterprise to edit account transfer data of banking agents, a transfer processing means 5 which totalizes account transfer data with respect to each of preliminarily determined days of payment and delivers this data to the user enterprise in accordance with days of payment to perform the account transfer processing, and a demand detail delivery means 6 which delivers electronic demand and itemized detail data to the user enterprise in accordance with preliminarily determined days of payment are provided. The recording medium where charge detailed data including banking agents and accounts related to charged demanded by receiving agents and information of detailed items of demands is recorded is inputted to deliver account transfer data, electronic demand and itemized detail data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account transfer method for a financial institution by inputting a financial institution or an account related to a charge to be charged by a storage institution, and a recording medium on which is recorded charge detail data including information on a breakdown item of the charge. The present invention relates to a billing statement data distribution processing system which creates electronic billing and breakdown statement data including information on billing items for each billing item, and distributes the billing statement detail data to the user company for each billing item.

[0002]

2. Description of the Related Art FIG. 8 is a diagram for explaining an example of a conventional utility bill payment system, and FIG. 9 is a diagram showing a configuration example of a toll payment system. With cashlessness and automatic payment of fees, payment of utilities such as electricity, telephone, gas, water, and television reception by automatic debit from a bank account has become widespread among individuals. These utility bills are collected by each business office of the billing organization (service provider), check the meter and send the data to the bank, issue a statement of use to the user, and the user submits the statement to the bank account. By providing the funds, payment is made from a particular debit account.

[0003] However, the automatic transfer of public utilities and the like as described above has been widely used by individuals, but is not often used by companies. In particular, remittances that are not adopted by large-scale companies that have many business bases such as stores, sales offices, and branch offices nationwide, and that perform payment procedures using payment slips issued by service providers as shown in FIG. And payment slip payment is becoming mainstream. The reason is that
The company receives the invoice, checks the bill and the amount, and pays. Since prepaid approval is the principle of business accounting,
Debits that are post-authorized are not compatible with the company, and debits are based on the date of debit,
Since the debit amount is not fixed, it is not possible to raise funds in a company's cash flow, resulting in a loss of funds in which the funds are kept on a regular basis.

[0004] For this reason, for example, even if an average of four companies pay a fee for one business establishment, 35
For a company with 00 bases (offices), 1680
The procedure for payment notice of 00 sheets is executed. Also, in one office, every month, the power is 2 high and low voltage, the telephone is 3-5 including facsimile, mobile phone, 2nd electric, etc., and the water is 1 every other month. It will be 6 to 8 payment slips. In addition, the utility bill alone has nationwide a total of 921 companies including 9 electric power companies, 12 telephone companies, 100 gas companies and 800 water companies, including local governments (property tax, city planning tax, automobile tax), If the payment of broadcasting stations, newspapers, leasing fees, rents, various dues, etc. is included, the amount of work will be enormous.

[0005] On the other hand, in the case of a mobile industry in which a construction site is set up only until the completion of a structure, the integration and abolition of transactions are intense, and the management seems to be complicated at first glance. I have. As a result, the number and types of billing agencies are large, and even if they are consolidated in a central location, they are not managed properly, and the work of collating with the burden account after being debited is as easy as the case of payment slip payment. There is also. In addition, the post-processing automatic transfer system for bank service products has a limited capacity. Due to such circumstances and the fact that the automatic debit procedure takes time, there is a mixture of automatic debit and payment payment,
In general, payment processing of public utilities etc. in large companies
It's complicated.

Accordingly, the present inventors have developed and proposed a system for notifying and paying in advance a lump sum billing statement of charges (for example, Japanese Patent Application Laid-Open No. 9-325998, a publication "Business" published on November 1, 1996). Research "
No. 869 (Corporate Study Group) P64-71 "Planning and Development of a Preliminary Billing Statement Notification and Lump-sum Payment System for Utilities and Taxes"). FIG. 9 shows the system configuration, and the outline is as follows.

[0007] First, when a public service organization or the like, which is a billing institution, grasps the usage amount by meter reading or the like, prepares detailed billing data, and brings it to a business center such as a bank in the form of magnetic data. The data of the company is extracted, and the billing statement data summarized on a payment date basis is created. By reading the contractor number from this billing statement data by a filter organization and converting it to the registered contractor number of the company, the base office and accounting department match the contractor number and burden account master with the burden account master who registered the burden account Submit a transfer list / slip. By this process, the accounting process and funding are simplified and the burden is reduced.

[0008]

However, according to the conventional system, as described above, a public service organization or the like, which is a billing institution, uses a recording medium on which detailed billing data is recorded, for example, a magnetic tape as a financial institution such as a bank. In addition to this, a billing notice is created and sent individually to the company that is responsible for it. Therefore, in addition to the creation of the billing statement data,
The burden of preparing the invoice is incurred, and the labor and cost involved in sending it is not negligible.

[0009] In addition, for a company that is a burden institution, a transfer list and a slip based on billing detail data from a bank or the like are issued by accounting, whereas a billing notice from a public service organization or the like is sent to a base office. Transfer list
A slip and an invoice notice cannot be managed collectively. Furthermore, even if the same detailed billing data of a public service institution or the like is used, the expense items may differ depending on the base office, its use, and the breakdown, but there is a problem that it is not possible to deal with the accounting process in such a case. For example, in the case of telephone charges, ordinary domestic call charges are subject to consumption tax, whereas international call charges are exempt from consumption tax. In addition, call charges are based on communication expenses,
The telegram fee uses the expense item of the expense. Therefore,
There is a need to be able to identify these in corporate accounting.

[0010]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems, and can simplify the transfer processing of public utilities and payment approval procedures even for a user company having many base offices, and can manage funds. This eliminates waste and enables labor savings.

[0011] For this purpose, the present invention provides a method for inputting a financial institution or an account relating to a charge charged by a storage institution, and a recording medium on which is recorded charge information data including information on a breakdown item of the charge. A billing statement data distribution processing system that creates electronic billing and breakdown detail data including billing details for each billing item and billing details for each billing item, and distributes the billing data to a user company. Account transfer editing means for converting and editing the data from the data to the account transfer data of the financial institution, and billing / editing for converting and editing the data from the billing data of the storage institution to the electronic billing / detailed billing data of the user company. A breakdown statement editing unit, and a transfer process for summing up the account transfer data for each predetermined payment date, distributing the account transfer data to the user company according to the payment date, and performing an account transfer process. Means, is characterized in that a billing distribution means for distributing to the user company in response to the electronic billing and itemized data predetermined payment date.

The account transfer editing means and the billing / detailed statement editing means convert and edit the data from the billing statement data of the storage institution into the account transfer data of the financial institution and the electronic billing / detailed statement data of the user company. The billing statement distribution means distributes the electronic billing / detailed statement data in response to a request from the user company.

[0013]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing an embodiment of a charge detail data delivery processing system according to the present invention, and FIG. 2 is a view for explaining the flow of the entire processing by the charge detail data delivery processing system. In the figure, 1 is a charge statement data input section, 2 is an editing table, 3 is a fund transfer editing section, 4
Is the electronic billing and breakdown statement editing unit, 5 is the account transfer processing unit, 6
Denotes a communication control unit, 11 denotes a storage institution, 12 denotes a charge statement data distribution processing system, and 13 denotes a user company.

In FIG. 1A, a bill detail data input unit 1 reads and inputs bill detail data including information on a financial institution, an account, and a breakdown item of a bill charged by a storage institution. The billing statement data is stored as electronic data on a magnetic tape, floppy disk, or other recording medium.The recording medium is a telephone company, a power company, a gas company, a leasing company, a tax office, a local government, other various charges, It is brought in from the organization that requests taxes. The editing table 2 converts and edits the billing data in the data format of each storage institution into account transfer data having information necessary for the account transfer of the financial institution, thereby editing each financial institution such as a bank. Creates bank transfer data in a data format that is processed in the same manner as above, and similarly converts and edits the billing detail data into electronic billing / breakdown detail data including information on billing items for each billing item. It is a table for creating electronic billing and breakdown detail data in a data format processed by (billing address, paying company). The account transfer editing unit 3 refers to the editing table 2 to convert and edit data for each financial institution, such as a bank, from the billing detail data input by the billing detail data input unit 1 and process the data at each financial institution. This is to create fund transfer data for the transfer. Electronic Billing / Breakdown Detail Editing Unit 4
Refers to the editing table 2, converts and edits the data for each user from the charge statement data input in the charge statement data input unit 1, and edits the data to be processed by each user. Create the data. The account transfer processing unit 5 performs processing for each user based on the account transfer data created by the account transfer editing unit 3 and notifies a fee on a predetermined day, for example, 2 to 7 days before the payment date, Pays out the amount of the billing data for each payment day from the withdrawal account (account for exclusive use of electronic billing) of the user company on the payment day based on the funding of, and deposits it into the transfer account of the storage organization. The communication control unit 6 distributes the electronic billing / detailed statement data created by the electronic billing / detailed statement editing unit 4 to the accounting department of the user company a predetermined date before the payment date, for example, 10 to 15 days before.

According to the charge statement data distribution processing system according to the present invention having the above-described configuration, the storage institution, the financial institution, and the user company use a telephone company, an electric power company, or a power company as shown in FIG.
A gas company, a leasing company, a tax office, a local government, and other storage agencies 11 that charge for various charges and taxes, etc., store the charge details data as electronic data in a recording medium and bring it in. To create and transfer account transfer data and electronic billing / detailed statement data, and create and notify and distribute necessary data according to the financial institution and the user company 13. The charge statement data distribution processing system 12 includes a plurality of storage institutions,
A financial institution and a use company can be targeted, and each financial institution exists as the fund transfer processing unit 5. Therefore, other input units, tables, processing units, etc. (1 to 4,
6) becomes a common institution for each financial institution, and the fund transfer data corresponding to each financial institution created by the fund transfer editing unit 3 is sent to the fund transfer processing unit 5. And use company 1
In step 3, the electronic billing / detailed statement data is transferred from a server of a financial institution (account transfer processing unit 5) to a firm banking service (FB service) about 10 to 15 days before the payment date, for example.
Can be received by the C system (FB software of the bank).
It can be received by the C system (communication control unit 6) seven days ago.

Therefore, in the accounting department of the user company 13,
Send the electronic billing and breakdown statement to the dispersed offices using the company intranet and e-mail to execute the payment approval, confirm the payment approved at the office, and place it in the dedicated account for electronic bill payment The same amount as the billed amount can be paid. As described above, the user company 13 uses the personal computer software provided by the financial institution to set the service number (for example, telephone number, contracted machine number, etc.) contracted by the establishment and the service number of the electronic bill as one record. The replacement process can be performed by matching each time. Further, accounting can be performed by tax exemption and by expense item. On the other hand, the financial institution may pay out the billing amount from the account dedicated to electronic billing of the user company 12 on the payment day, and deposit the billing amount into the account of the storage institution 11 after the processing.

Next, the overall processing flow will be described. As shown in FIG. 2, first, when a recording medium is brought in from a storage institution, the charge statement data of the electronic data stored in the recording medium is read as shown in FIG. Enter (Step S1
1) Recognizing the storage institution, the financial institution, and the user company (step S12). And recognized storage institutions, financial institutions,
With reference to the editing table based on the user company (step S13), account transfer data for processing by the financial institution is created for each financial institution (step S14), and subsequently processed by the user company for each user. The electronic billing / detailed detail data for the request is created (step S15). In the account transfer data created in step S14, it is determined whether or not there is a predetermined payment date for each user, for example, the account transfer data two days after the payment date, that is, the account transfer data two days before the payment date (step S14). S16) If there is the applicable fund transfer data, the fee is notified to the user based on the account transfer data (step S17), and if there is no applicable fund transfer data, the process proceeds to the next step. Of the electronic billing / detailed detail data created in step S15, a predetermined payment date for each user, for example, electronic billing / detailed detail data on the payment date after 10 days, that is, electronic billing / detailed detail data 10 days before the payment date It is checked whether or not there is any (step S18). If there is the corresponding electronic billing / detailed detail data, the electronic billing / detailed detail data is distributed (step S19). I do.

Next, the configuration of data and tables will be described. FIG. 3 is a diagram showing an example of the structure of fee detail data brought in from a storage institution, FIG. 4 is a diagram showing an example of the structure of account transfer data, FIG. 5 is a diagram showing an example of the structure of electronic billing and breakdown detail data, and FIG. FIG. 3 is a diagram illustrating a configuration example of an editing table.

FIG. 3 shows an example of the structure of charge detail data relating to telephone charges brought in from a certain telephone company. The file structure includes a management record and a billing number as shown in FIG. Records 1, 2, ..., N,
Consists of company totals records. Here, the management record is
It consists of data with information such as the date and time, the code of the destination company and the issuing company, and the billing number record contains the telephone number, total billed amount, number of billed items, financial institution, account,
It consists of data having information such as payment address, call charge, billing details, and the like. The company total record is composed of data having information such as a destination, a total amount of billing, and the number of billing cases. That is, the bill creation number record has a plurality of billing breakdowns for each telephone number, and the billing breakdowns consist of a breakdown code and a breakdown amount as shown in FIG. Figure 3 for telephone charges
Since the items are classified into a large number of subjects, such as a basic usage fee, a wiring usage fee, a telegram fee, and a construction fee shown in (C), these are included in the billing breakdown as breakdown codes. In accounting at a user company, for example, an expense item differs depending on these subjects, for example, a basic usage fee, a telegram fee, or a call fee. Therefore, the breakdown code and the breakdown amount are information necessary for accounting process at the user company. .

With respect to the above-mentioned charge detail data, the account transfer data of a certain financial institution uses a format including a key part and a data part, and the key part is composed of a collection / delivery code, a company code, a type code, and a distribution reference date. The data section includes a header record, a plurality of data records, a trailer record, an end record, and a total record, as shown in FIG. The header record has information such as data classification, type code, creation date, transfer date, bank code, bank name, branch code, branch name, deposit type, account number, account name, etc., as shown in FIG. 4 (B). The data record consists of data, and each data record has a data classification, reference number, transfer date, transfer result code, charge code, debit amount, charge code, billing institution code, billing institution name, customer number as shown in FIG. And the like. On the other hand, as shown in FIG. 4 (D), the trailer record has a data classification, a total number, a total amount, a transferred number, a transferred amount, a non-transferable number, a non-transferable amount, an A total number, and an A transferred number. , A total number of non-transferable numbers, B total number of data,..., Data having information such as the number of data records, and the end record includes information such as data division, total number of records, number of accounts, etc. as shown in FIG. The total record is composed of data having information on the data division and the total number of records as shown in FIG.

As shown in FIG. 5, the electronic billing / detailed statement data delivered to the user company includes the billing amount, the breakdown information, and the telephone numbers (meter numbers for electricity, gas, water, etc., machine numbers for lease, etc.). Consists of data with information. As mentioned above, for example, in the case of telephone charges, the cost items of the user company will differ depending on whether the breakdown is the basic charge, telephone charge or construction fee, etc., but it is added as breakdown information to the electronic billing / breakdown detail data doing. As the breakdown information, for example, the call charge / basic charge is A, the telephone construction fee is B, the telegram fee is C, and the international call fee is AT.
If A is set to be processed as a communication cost, B is set as a construction cost, C is set as a tax expense, and T is set as a tax-exempt cost item, it can be processed as shown in FIG. . That is, in the case of a call charge / basic charge, the breakdown information is set to A as shown in FIG.
411111 ”can be processed as an account item of“ Headquarters operating expenses and funds section ”, and an expense item of“ Communication expenses ”from“ A ”of the breakdown information. Similarly, in the case of telephone construction costs,
By setting the breakdown information to B as shown in FIG. 5 (B), as the account item of “Head office operating expenses and finance department” and the expense item of “Construction cost”, in the case of a telegram fee, FIG.
By setting the breakdown information to C as shown in (C), as an account item of the “head office operating expenses fund department” and an expense item of the “compensation expense”, in the case of an international call rate, FIG.
By setting the breakdown information to AT as shown in
Account for "Headquarters operating expenses fund department", "Tax-free for communication expenses"
Cost items.

The data is converted from the billing statement data of each storage institution into account transfer data of each financial institution, and electronic billing / detailed statement data of each user, edited and edited, and the account transfer data for each financial institution and the electronic billing for each user are converted. The editing table used to create the billing and breakdown detail data has, for example, editing data corresponding to each storage institution, financial institution, and user company as shown in FIG. For example, when a recording medium is brought in from a storage institution and the charge detail data shown in FIG. 3 is read and input, the edit data is stored in the edit table storage facility, financial information, and the source, destination, and financial institution information. It can be read out by referring to the institution and the user company. Then, based on this editing data, the information in the data section shown in FIG. 4 is converted from the billing detail data shown in FIG. 3 and edited to create account transfer data for each financial institution. Similarly, the billing amount, the breakdown information, the telephone number, etc. shown in FIG. 5 are converted from the billing detail data shown in FIG. 3 and edited to create electronic billing / breakdown detail data for each user company.

FIG. 7 is a diagram showing a configuration example of the payment date management data file. FIG. 7 shows an example of a payment date management data file used for managing billing data in payment date units.
Here, the payment date management data file is for writing, for each account number, a billing amount per payment date for each contractor code. Such a payment date management data file is used, for example, in an account transfer processing unit corresponding to a financial institution. The billing amount is written when the recording medium is brought in from the storage institution in the payment date column and the billing detail data is read and input. Based on the calendar, for example, when the system is started every morning, each contract is made before a predetermined business day. By reading the billing amount of the customer code, it is possible to issue account transfer data in units of payment days. In this case, a total column may be provided for each type and for each institution, the data may be totaled, and further processing may be performed so as to obtain the total. Further, the billing amount is cleared when the bank transfer data is issued on a payment date basis. It may be processed as follows. Further, all the account transfer data may be created on a payment day basis as required by a command before a predetermined business day, that is, on each day after the next business day.

Note that the present invention is not limited to the above-described embodiment, and various modifications are possible. For example, the data, tables, and the like described and illustrated in FIGS. Further, the processing data to be displayed and printed out while the charge detail data is received and the fund transfer data is transmitted are appropriately changed in accordance with the management system of the institution.

[0025]

As is apparent from the above description, according to the present invention, a recording medium which records financial statement data including information on a financial institution, an account, and a breakdown item of a bill charged by a storage institution is provided. Enter and convert the data to account transfer data of the financial institution and electronic billing / detailed item data of the user company, edit the data, aggregate the account transfer data for each predetermined payment date, or convert the electronic billing / detailed itemized data. Since the delivery is made to the user company in accordance with the predetermined payment date, even the user company having many base offices can simplify the transfer processing of the utility charges and the procedure of the payment approval. In addition, since the invoices are digitized and distributed, electronic billing and breakdown statements can be sent to distributed offices using the company's intranet and e-mail for payment approval, and billing items can be approved. , It is also possible to perform accounting by tax exemption or expense item. Furthermore, since the funds of the dispersed offices can be centralized, the efficiency of the funds can be increased, the waste of the funds management can be eliminated, and the labor of the office work can be saved.

[Brief description of the drawings]

FIG. 1 is a diagram showing an embodiment of a charge statement data distribution processing system according to the present invention.

FIG. 2 is a diagram for explaining the flow of the entire processing performed by the fee detail data distribution processing system.

FIG. 3 is a diagram showing a configuration example of fee detail data brought in from a storage institution;

FIG. 4 is a diagram showing a configuration example of account transfer data.

FIG. 5 is a diagram showing a configuration example of electronic billing / detailed breakdown data.

FIG. 6 is a diagram illustrating a configuration example of an editing table.

FIG. 7 is a diagram showing a configuration example of a payment date management data file.

FIG. 8 is a diagram illustrating an example of a conventional utility bill payment system.

FIG. 9 is a diagram showing a configuration example of a charge lump sum payment system.

[Explanation of symbols]

1 ... Chart statement data input section, 2 ... Editing table, 3 ...
Debit transfer editing department, 4 ... Electronic billing and breakdown statement editing department, 5 ...
Account transfer processing unit, 6: communication control unit, 11: storage organization, 1
2 ... Detailed statement data distribution processing system, 13 ... User company

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Kimio Handa 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu Construction Co., Ltd. (72) Inventor Toshiyuki Furuya 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu Corporation (72) Inventor Takeshi Hamamoto 1-3-2 Shibaura, Minato-ku, Tokyo Shimizu Corporation

Claims (3)

[Claims] Claims 1. An information necessary for a bank account transfer of a financial institution is input by inputting a financial institution and an account related to a charge to be charged by a storage institution, and a recording medium on which a detailed billing data including information on a billing item is recorded. A billing statement data distribution processing system that creates electronic billing and breakdown detail data including billing details for each billing item and distributes the billing detail data to a user company. Account transfer editing means for converting and editing the data into the account transfer data of the customer, and billing / breakdown statement editing means for converting and editing the data from the billing statement data of the storage institution into the electronic billing / breakdown statement data of the user company. Transfer processing means for totalizing the account transfer data for each predetermined payment date, distributing the account transfer data to the user company according to the payment date, and performing an account transfer process; A billing statement data distribution system, comprising: billing statement distribution means for distributing request / detailed statement data to the user company according to a predetermined payment date. 2. Converting and editing the data from the billing statement data of the storage institution to the account transfer data of the financial institution and the electronic billing / breakdown statement data of the user company for the account transfer editing means and the billing / detailed statement editing means. 2. The charge statement data distribution processing system according to claim 1, further comprising an editing table. 3. The charge statement data distribution processing system according to claim 1, wherein said bill statement distribution means distributes said electronic bill / detail statement data in response to a request from said user company.