JP2002032585A - Procedure method for bank transfer and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To save the trouble from the generation of a bill to the transfer of requested data. SOLUTION: A selling company 20 transfers bill data by a communication terminal 21 of the selling company 20 through a Web server 41 on the Internet 40 in response to an order from a buyer 10, and the buyer 10 receives the bill data by a communication terminal 12 of the buyer 10 through the Web server 41 on the Internet 40, authenticates the bill data and transfers payment details to the selling company 20, and transfers transfer data to the host computer 31 of a bank by using bank software assisting the transfer of the bank 30. Then the host computer 31 of the bank 30 confirms the transfer data and pays money corresponding to the transfer data to the selling company 20 when there is not error.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank transfer procedure method and a recording medium for performing a bank transfer procedure using Internet homepages or e-mail billing data.

[0002]

2. Description of the Related Art Conventionally, for example, when goods are ordered and delivered, a requester prepares a paper bill and mails it to a transfer person who is an orderer of the goods. The transfer person issues a payment slip from the received invoice, and transfers the data of the transfer request using bank software that supports the transfer on the bank side.

[0003]

However, in the above-described conventional bank transfer procedure, not only does the requester need to prepare a paper bill every time a request is made, but the prepared bill is also transferred to the transferor. Need to be mailed to Further, the transfer person needs to issue a payment slip from the received invoice and transfer the data of the transfer request using bank software that supports the transfer on the bank side.

[0004] For this reason, there is a problem that it takes a lot of time from creation of a bill to transfer of transfer request data.

[0005] The present invention has been made in view of such a situation, and a bank transfer procedure method and record that can greatly reduce the labor from the creation of an invoice to the transfer of transfer request data. A medium can be provided.

[0006]

According to the bank transfer procedure described in claim 1, the sales company transmits billing data to a communication terminal of the sales company via a Web server on the Internet in response to an order from the buyer. A first step of transferring and transferring the billing data from the purchaser via the Internet Web server using the communication terminal of the buyer, and approving the billing data and transferring the payment statement data to the sales company A second step of transferring the transfer data to the bank's host computer using bank software that supports the bank transfer, and the bank's host computer confirms the transfer data, and if there is no mistake, transfers the transfer data to the sales company. And a third step of making a deposit according to the above. In the first step, a fourth step of inputting the input format of EDI data, which is EDI data, by the request data input unit, and a predetermined input field of the input format of the request data is input by the request data posting unit. After inputting the items, a fifth step of transferring the billing data may be included. In the fourth step, ED
A sixth step of capturing the input format of the billing data, which is I data, from the purchaser's homepage is included.
In the process, post the billing data on the homepage.
Step can be included. Also, the second
The eighth step is to capture the billing data from the sales company by the billing data capturing unit, and to transfer the payment details data corresponding to the billing data to the sales company by the payment details transferring unit. 9 steps can be included. In the second step, a bank software receiving unit takes in the banking software supporting the transfer, and a transfer data transfer unit transfers the banking software to the host computer using the banking software taken in. First to transfer data
1 step can be included. Also,
In the third step, when there is a request from the buyer side by the bank software transfer unit, a twelfth step of transferring the bank software supporting the transfer to the purchaser side, and by the transfer data confirmation unit
A thirteenth step of confirming the transfer data from the purchaser side may be included. In the first and fifth steps, when billing data is transferred, ftp (File Transfer Protocol) which is a TCP / IP file transfer protocol is used.
Protocol). The recording medium according to claim 8 is the recording medium according to claim 1.
A program capable of executing the bank transfer procedure method according to any one of the above-mentioned items is recorded. In the bank transfer procedure method and the recording medium according to the present invention, the sales company uses the communication terminal of the sales company to transmit the billing data to the W on the Internet in response to an order from the purchaser.
The data is transferred via an e-server, and the purchaser fetches the billing data from the communication terminal of the purchaser via a Web server on the Internet, approves the billing data, and transfers the payment details data to the sales company. When the transfer data is transferred to the bank host computer using bank software that supports the bank transfer, the bank host computer checks the transfer data and if there is no mistake, makes a payment to the sales company according to the transfer data. To do.

[0007]

Embodiments of the present invention will be described below.

FIGS. 1 and 2 are diagrams for explaining an outline of a bank transfer system according to an embodiment of the bank transfer procedure method of the present invention, and FIGS. 3 and 4 are diagrams illustrating the bank transfer system of FIG. And FIG. 5 to FIG. 9 are diagrams for explaining a bank transfer procedure method in the bank transfer system of FIG.

The bank transfer system shown in FIGS. 1 and 2 comprises, for example, a purchaser 10 such as a company, a sales company 20,
The communication with the bank 30 can be performed via the Internet 40.

[0010] A purchaser 10 such as a company has an in-house server 11 and a communication terminal 12. Here, as the communication terminal 12, a personal computer, WebTV, PDA
(A personal information terminal) or the like can be used.

The in-house server 11 includes a billing data capturing unit 12a, a payment details transferring unit 13, and a bank software capturing unit 1.
4. The transfer data transfer unit 15 is provided. In FIG. 1, the billing data capture unit 12 a captures billing data transferred from the sales company 20 via the Web server 41 of the Internet 40. When the buyer 10 requests the sales company 20 to place an order,
The sales company 20 is transferred upon delivery.

The payment details transfer unit 13 transfers the payment details data to the sales company 20 after approving the billing data.

The bank software take-in unit 14 provides bank software supporting the transfer of the bank 30 to the Internet
The data is fetched via the b server 41.

The transfer data transfer section 15 transfers the transfer data to the host computer 31 of the bank 30 by using the taken-in bank software.

The sales company 20 has a communication terminal 21. Here, a personal computer, a WebTV, a PDA (personal information terminal), or the like can be used as the communication terminal 21 as described above.

The communication terminal 21 includes a billing data capturing unit 22 and a billing data posting unit 23. The billing data capturing unit 22 is provided with an EDI (Electronic Data Proc
An abbreviation of essing interface, a processing method using electronic data) Importing the input format of billing data, which is data.

After inputting predetermined items in the input field of the input format of the billing data, the billing data posting section 23 writes the billing data to, for example, a homepage of the purchaser 10 side.
eb posting.

Here, when transferring the billing data,
Not only by posting, but also by e-mail. Also, when posting to the Web, ftp (File Transfer Prot.
ocol: TCP / IP file transfer protocol)
Is used.

The bank 30 has a host computer 31. The host computer 31 includes a bank software transfer unit 32 and a transfer data confirmation unit 33.

The bank software transfer section 32 transfers bank software that supports transfer at the request of the purchaser 10. The transfer data confirmation unit 33 confirms the transfer data from the purchaser 10 side.

The Internet 40 is a Web server 41
To support communication between the buyer 10, the sales company 20, and the bank 30.

Next, a method of performing a bank transfer in the bank transfer system having such a configuration will be described.

First, as shown in FIG. 3, the sales company 20 accesses the Web server 41 of the Internet 40 using the communication terminal 21 and opens the home page of the purchaser 10 upon delivery of the purchaser 10 by placing an order. (Step 30
1). At this time, an initial screen of the home page of the buyer 10 is displayed on the display of the communication terminal 21 of the sales company 20, for example, as shown in FIG. 5 (step 30).
2). Here, for example, an index such as a company profile and a request to the company is displayed.

There are two types of requests to our company: individual and collective. Here, individual is a charge for one delivery,
A lump sum is a charge for multiple deliveries.

When, for example, individual is selected (step 303), a screen for inputting individual billing data as shown in FIG. 6 is displayed (step 304).

The input format is an EDI (Electr
onic Data Processing Interface, which is a processing method using electronic data).

The input format includes, for example, billing company name, your company code, amount, currency, desired payment date, billing department, billing number, contents (unit price / quantity), billing department / person in charge, There is an entry field for Tel.

Then, predetermined items are entered in these input fields (step 305). Also, since a list box is set in the input fields for your company code and billing department, you can enter your company code and billing department from the list box. Also,
In the currency input field, any one of yen, USD, and EUR can be selected.

When the digital signature button is pressed after these inputs are completed (step 306), the digital ID issued by the certification organization is attached to the billing data in FIG. 5 (step 307). Next, when the mailing button is pressed (step 308), the billing data of FIG.
Uploaded to the eb server 41 (step 30)
9). In this case, the billing data in FIG.
Is encrypted by

Also, for example, url: http: // w
When file transfer of billing data to ww ..... / Directory .., security is ensured by inputting a password at the time of transmission.

On the other hand, when the purchaser 10 accesses the Web server 41 on the Internet 40 using the communication terminal 12 (step 310), the uploaded billing data of FIG. 5 is downloaded to the in-house server 11 (step 310). 311).

After displaying the downloaded billing data on the display of the communication terminal 12 and confirming it, the purchaser 10 confirms the payment details data (FIG. 7) as shown in FIG.
Is displayed on the display of the communication terminal 12 (step 312).

The data of the payment details include the payee company name, your company code, amount, currency, payment date, department in charge of our company, billing number, contents (unit price / quantity), department in charge of your company /
There are input fields for the contact person and our contact information.

Then, predetermined items are input in these input fields. In this case, what is common to the input items of the payment details data and the billing data may be such that the input items of the billing data are pasted in the input fields of the payment details.

After completing the input of the payment details data into the respective input fields, the communication terminal 12 is used to access the W
access the web server 41, and store the payment statement data on We
b is posted (step 313).

Then, the sales company 20 can access the Web server 41 of the Internet 40 using the communication terminal 21 and receive the data of the payment details (step 314).

The purchaser 10 accesses the host computer 31 of the bank 30 using the communication terminal 12 via the Web server 41 of the Internet 40 (step 315). Alternatively, a method in which the purchasing company 10 mechanically transmits payment details data for which payment has been approved to the sales company 20 can be selected. Regardless of which method is selected, the sales company 20 can prepare an environment in which bank payment data can be allocated and stored by a program by using the payment details data obtained from the purchasing company 10.

When the host computer 31 of the bank 30 receives the access, it transfers bank software for supporting the transfer (steps 316 and 317). Alternatively, the purchaser 10 downloads the bank software from the Web or purchases / installs the bank software from the bank in advance, and
It is also possible for the system to check the communication password of the transfer data and immediately transfer the transfer data to the host computer of the bank 30.

The purchaser 10 fetches bank software for supporting the transfer of the host computer 31 of the bank 30 and transfers the transfer data to the host computer 31 of the bank 30 using the bank software (step 318, step 318).
319).

When the bank 30 receives the transfer data, the transfer data is confirmed, and if there is no error, payment is made to the sales company 20 based on the transfer data (step 3).
20, 321).

When a batch is selected on the screen shown in FIG. 5 (step 322), a screen for inputting billing data as shown in FIG. 8, for example, is displayed (step 323).

The input format of the collective billing data is for a plurality of deliveries.
DI (Electronic Data Processing Interface) processing data using electronic data.

As described above, the input format includes, for example, a billing company name, your company code, an amount,
A plurality of input fields are provided for currency, desired payment date, billing department, billing number, content (unit price / number), billing department / person in charge, and Tel.

Then, predetermined items are entered in these input fields (step 305). Although the list box shown in FIG. 6 is not set in the input fields for your company code and billing department, you can enter your company code and billing department from the list box as described above. You may be able to. In the currency input field, as shown in FIG. 6, a list box for selecting any one of yen, USD, and EUR is not set. Any currency that can be settled can be specified as the settlement currency.

When the digital signature button is pressed after completing these inputs (step 306), the digital ID issued by the certification organization is attached to the billing data in FIG. 8 (step 307). Next, when the mailing button is pressed (step 308), the billing data of FIG.
Uploaded to the eb server 41 (step 30)
9). In this case, the billing data in FIG. 8 is encrypted by, for example, SSL, as described above.

Also, for example, url: http: // w
When file transfer of billing data to ww ..... / Directory .., security is ensured by inputting a password at the time of transmission.

On the other hand, when the purchaser 10 accesses the Web server 41 on the Internet 40 using the communication terminal 12 (step 310), the uploaded billing data of FIG. 8 is downloaded to the in-house server 11 (step 310). 311).

After displaying and confirming the downloaded billing data on the display of communication terminal 12, purchaser 10 displays, for example, data of payment details as shown in FIG. 9 on the display of communication terminal 12 (step). 312).

In the data of the payment details, as described above,
A plurality of input fields are provided for the payee company name, your company code, amount, currency, payment date, department in charge of our company, invoice number, contents (unit price / quantity), department / person in charge of your company, and our contact information. I have.

Then, predetermined items are entered in these input fields. In this case, what is common to the input items of the payment details data and the billing data may be such that the input items of the billing data are pasted in the input fields of the payment details.

After the input of the payment details data into the respective input fields is completed, the communication terminal 12 is used to access the W
access the web server 41, and store the payment statement data on We
b is posted (step 313).

Then, the sales company 20 can access the Web server 41 of the Internet 40 using the communication terminal 21 and receive the data of the payment details (step 314). Alternatively, a method in which the purchasing company 10 mechanically transmits payment details data for which payment has been approved to the sales company can be selected. Regardless of which method is selected, the sales company 20 uses the payment details data acquired from the purchasing company 10 to allocate and receive bank deposit data by a program.
An environment in which storage processing can be performed can be prepared.

The purchaser 10 accesses the host computer 31 of the bank 30 using the communication terminal 12 via the Web server 41 of the Internet 40 (step 315).

When the host computer 31 of the bank 30 receives the access, it transfers bank software for supporting the transfer (steps 316 and 317). Alternatively, the purchaser 10 downloads the bank software from the Web or purchases / installs the bank software from the bank in advance, and
It is also possible for the bank to check the communication password of the bank transfer data and immediately capture the bank transfer data into the host computer at the bank.

The purchaser 10 fetches bank software that supports the transfer of the host computer 31 of the bank 30, and transfers the transfer data to the host computer 31 of the bank 30 using the bank software (step 318, step 318).
319).

When the bank 30 receives the transfer data, the transfer data is confirmed, and if there is no mistake, payment is made to the sales company 20 based on the transfer data (step 3).
20, 321).

As described above, in the present embodiment, the sales company 20 responds to the order from the purchaser 10
The billing data is transmitted to the Internet 4 by the communication terminal
The purchaser 10 receives the billing data via the communication terminal 12 of the purchaser 10 through the Web server 41 of the Internet 40, and approves the billing data to transfer the billing data to the sales company 20. Transfer the payment details data to the bank and transfer the transfer data to the bank host computer 31 using bank software that supports the transfer of the bank 30. The host computer 31 of the bank 30 checks the transfer data and makes a mistake. Otherwise, payment is made to the sales company 20 in accordance with the transfer data, so that the labor from the creation of the bill to the transfer of the transfer request data can be greatly reduced.

Further, in the present embodiment, since all of the work from the creation of the bill to the transfer of the transfer request data is performed by exchanging data via the Internet 40, it is possible to make paperless. Not only that, the above-mentioned work can be performed anytime and anywhere for 24 hours.

Further, in the present embodiment, it is possible to specify a transfer date by inputting a payment date in the payment details input column shown in FIGS. 7 and 9, for example.

Further, in this embodiment, since all of the billing from the sales company 20 and the payment details from the buyer 10 are digitized, these data are recorded on a predetermined recording medium. By doing so, it is possible to output the list as appropriate.

Further, in this embodiment, as shown in FIG. 8, for example, it is possible to make a batch request,
(Electronic Data Processing) processing can be easily performed.

[0062]

As described above, according to the bank transfer procedure method and the recording medium according to the present invention, the billing data is transmitted to the Internet Web server by the sales terminal using the communication terminal of the sales terminal in accordance with the order from the purchaser. Forward through
The buyer fetches the billing data from the communication terminal of the buyer via a web server on the Internet, approves the billing data, transfers the payment details data to the sales company, and supports bank transfer. When the transfer data was transferred to the bank's host computer using the bank software, the bank's host computer confirmed the transfer data and if there was no mistake, made a payment according to the transfer data to the sales company, so The labor from creation to transfer of the transfer request data can be greatly reduced.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an outline of a bank transfer system according to an embodiment of a bank transfer procedure method of the present invention.

FIG. 2 is a diagram for explaining an outline of a bank transfer system according to an embodiment of a bank transfer procedure method of the present invention.

FIG. 3 is a flowchart for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

FIG. 4 is a flowchart for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

FIG. 5 is a view for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

6 is a diagram for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

FIG. 7 is a view for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

FIG. 8 is a diagram for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

FIG. 9 is a diagram for explaining a bank transfer procedure method in the bank transfer system of FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Purchaser 11 In-house server 12, 21 Communication terminal 12a, 22 Billing data capture unit 13 Payment details transfer unit 14 Bank software capture unit 15 Transfer data transfer unit 20 Sales company 23 Billing data posting unit 30 Bank 31 Host computer 32 Bank Software transfer unit 33 Transfer data confirmation unit 40 Internet 41 Web server

Claims (8)

[Claims] 1. A first step in which a sales company transfers billing data via a Web server on the Internet by a communication terminal of the sales company in response to an order from a purchaser, And a bank that supports the transfer of the payment details to the sales company by approving the billing data and receiving the billing data through the Internet Web server by the communication terminal of the buyer. A second step of transferring the transfer data to the host computer of the bank using software; and confirming the transfer data by the host computer of the bank, and if there is no mistake, transfer a payment corresponding to the transfer data to the sales company. Performing a bank transfer procedure. 2. The first step includes: a fourth step of taking in an input format of EDI data, which is EDI data, by a billing data capturing unit; and the billing data input format by a billing data posting unit. 5. The method according to claim 1, further comprising a step of transferring the billing data after inputting a predetermined item in the input field of the bank transfer. 3. The fourth step includes a sixth step of acquiring an input format of the billing data, which is the EDI data, from a homepage of the purchaser. The fifth step includes: The method according to claim 2, further comprising a seventh step of posting billing data to the homepage. 4. The second step is an eighth step of receiving the billing data from the sales company by the billing data capturing section, and the billing data is handled by a payment detail transferring section. Transferring a payment statement data to the sales company in a ninth step. 5. In the second step, a tenth step of capturing bank software supporting the transfer by a bank software capture unit, and using the captured bank software by a transfer data transfer unit. And transferring the transfer data to the host computer. 11. The bank transfer procedure method according to claim 1, further comprising the steps of: 6. The twelfth step of the third step is to transfer bank software supporting the transfer to the purchaser by a bank software transfer unit upon request of the purchaser by the bank software transfer unit. The bank transfer procedure method according to claim 1, further comprising a thirteenth step of checking the transfer data from the purchaser by a transfer data check unit. 7. The first and fifth steps include a fourteenth step using ftp (File Transfer Protocol) which is a TCP / IP file transfer protocol when transferring the billing data. The bank transfer procedure according to claim 1 or 2, wherein: 8. A recording medium on which a program capable of executing the bank transfer procedure method according to claim 1 is recorded.