JP2002352078A - Method for generating and using firm banking data with payment information in distributed accounting system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for generating and using FB data with payment information in a distributed accounting system, by which a sufficient information exchange function is arranged at the both sides of a request source company and a payment company, a request money amount from the request source company is made to coincide with a received money amount from the payment company and, then, a negation processing is adequately and efficiently performed at the side of the request source company. SOLUTION: In the distributed accounting system applying the method, the accounting system 2 of the payment company B generates FB data with payment information as a payment processing based on bill data transmitted from the accounting system 1 of the request source company A via an external network 100 by way of a bill issuing processing. The accounting system 1 of the request source company A which receives FB data via a financial institution network 200 by way of a transfer bank performs an automatic negation processing with money reception concerning bill data toward the payment company B after a reception/payment information check based on payment information obtained via the external network 100.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method of producing payment bank information-added firm banking data (hereinafter referred to as "banking data") based on invoice data transmitted from an accounting system of a billing company via an external network.
FB data), and the accounting system of the billing company that has received the FB data with payment information via the transfer bank via the financial institution network receives the billing data from the accounting system of the paying company. The present invention relates to a method for creating and using FB data with payment information in a decentralized accounting system for applying payments based on payment information.

[0002]

2. Description of the Related Art Conventionally, as a well-known technique related to a general accounting system, there is, for example, a transfer processing system disclosed in Japanese Patent No. 3029421 (JP-A-2000-82101). This transfer processing system can specify a payer when processing a transfer from an ATM (automated teller machine) or the like in a bank. The transferor (payer) sets an individual account for each case, It implements a service that facilitates payment checks.

[0003] In an accounting system with an automatic journalizing function for payment data disclosed in Japanese Patent Application Laid-Open No. 11-161722, even if there are a plurality of billing data for a billing party, the billing source is related to the amount of money transferred from the billing party. In order to be able to automatically allocate the billing data, the invoicing company A gathers the invoiced amount of the invoice on the scheduled payment date of the paying company B to create the payment schedule information, and It proposes a method for reconciling an invoice in which the amount of money received from the paying company B and the date of payment are collated and matched.

Further, as other well-known technologies related to the accounting system, for example, an FB service method for effectively providing new arrival information to customers disclosed in JP-A-2000-40115 and a FB service method disclosed in JP-A-2000-57233 are disclosed. Electronic banking system capable of automatically creating transfer data from another business system using a computer terminal and immediately transmitting the data directly to the bank from the computer terminal
Journalizing of transactions occurring across companies disclosed in 00-99576, reconciliation of receivables / debt accounts, billing,
A distributed accounting system that supports a payment operation, a deposit operation, and the like by a computer system is exemplified.

[0005]

When the above-described accounting system or a system related thereto is applied to a decentralized accounting system, a plurality of bills of a billing company are collectively paid by a paying company. The invoicing company needs to make an input from the payment management terminal based on the payment guide arriving from the house bank, or automatically based on the FB data sent from the house bank (transfer destination bank) Regardless of the situation in which the payment information was supposed to be created, the billing company erased the invoice because no information was given as to which invoice it corresponds to. There is a problem that it becomes unclear which invoice is to be paid by the incorporation process.

[0006] In addition, if the paying company has paid a part of the amount of the specific invoice in the invoice to be paid or has deducted the transfer fee amount, Does not match the total of the deposit, the invoicing company uses the amount of the invoice and the identification information of the expected date of the deposit to apply for the invoice that can be deemed to be approximately compatible when applying the deposit After processing, it was difficult to automate the reconciliation process due to the need for ambiguous processing such as adding the fractional amount that could not be applied to the deposit and adjusting the fraction, etc. However, there is a problem that the user has to rely on a complicated erasing operation at the terminal.

[0007] In short, when the above-described accounting system or a system related thereto is applied to a decentralized accounting system, in any case, the paying company deposits the amount according to the scheduled payment information prepared by the billing company. In such a case, or when the payment information includes transfer fee deduction information, although there is a certain amount of difference, there is a possibility that the reconciliation process will not be performed because matching at the billing company can not be obtained In addition, clarify details such as which invoice was paid for or the amount of the deposit due to insufficient information exchange function in both the invoicing company and the paying company. There is an inconvenience that it is not possible, and after matching the billing data (billing amount) in the invoice from the billing company with the deposit amount from the paying company, There is a problem that the processing scrub to an appropriate probability on the side efficiently hard run.

The present invention has been made to solve such a problem. The technical problem is that both the billing company and the paying company have a sufficient information exchange function, Of the FB data with payment information in a decentralized accounting system in which the billing company is able to execute the reconciliation process accurately and efficiently after matching the billing amount of the billing company with the amount of money received from the paying company. To provide.

[0009]

According to the present invention, the accounting system of the paying company, which receives the invoice data transmitted from the accounting system of the invoicing company via the external network, receives the invoice data. After approving the payment of the invoice to be paid by using, set an identification code that is unique as a collective payment process for the invoice that will be due in the header information item After creating a payment information file, the same identification code as the identification code set in the payment information is set as a spare item to create FB data, and then the payment information is requested via an external network. And transmitting the FB data to the accounting system of the billing company via a transfer bank via a financial institution network. Creating use method of payment information with FB data in a distributed accounting system can be obtained.

Further, according to the present invention, in the method of creating and using FB data with payment information in the above-mentioned distributed accounting system, the accounting system of the payment source company B may be used when the transfer fee is deducted as payment information. FB with payment information in a decentralized accounting system that has fee deduction information and invoice information to be paid and sets an identification code for the deduction amount indicated by the fee deduction information
A method for creating and using data is obtained.

Further, according to the present invention, in the method for creating and using FB data with payment information in the decentralized accounting system, the accounting system of the paying company determines whether or not the transfer fee is deducted. FB with payment information in a decentralized accounting system that adds the transfer fee amount to the payment information when the transfer fee is deducted at
A method for creating and using data is obtained.

On the other hand, according to the present invention, in any one of the above-described methods of creating and using FB data with payment information in the distributed accounting system, the accounting system of the billing company performs the payment / payment information check as the payment company. After receiving the FB data transmitted from the accounting system side via the bank transfer via the bank transfer via the financial institution network, the FB data is transmitted via the external network based on the identification code set in the spare item. Checking the existence of payment information to check the consistency of the payment information, and initiating an automatic reconciliation process for the invoice data for the paying company, the payment information-added F in the distributed accounting system.
A method for creating and using B data is obtained.

[0013] On the other hand, according to the present invention, in the method for creating and using FB data with payment information in the above-mentioned decentralized accounting system, the accounting system of the billing company sends the FB data from the accounting system of the paying company via a transfer bank. When the FB data is received, it is checked whether or not there is an identification code set in the spare item in the header information item in the payment information, and if it exists, it is written in the payment information. Invoice data for the paying company is read using the received invoice number as key information, and the read invoice data is applied for the total amount of payment based on the payment information, thereby automatically applying the payment. A method of creating and using FB data with payment information in a distributed accounting system that performs processing is obtained.

Further, according to the present invention, in the method of creating and using FB data with payment information in the distributed accounting system, the accounting system of the billing company has fee deduction information in the payment information at the time of the automatic clearing process. In this case, a method of creating and using FB data with payment information in a decentralized accounting system that adjusts the deduction amount of the transfer fee by deducting the transfer fee amount is obtained.

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A method for creating and using FB data with payment information in a distributed accounting system according to the present invention will be described in detail with reference to the drawings.

First, a technical outline of a method for creating and using FB data with payment information in the distributed accounting system of the present invention will be briefly described. The method of creating and using the FB data with payment information is based on the billing data (bill number, billing year, etc.) transmitted from the accounting system of the billing source (also referred to as the payee) via an external network such as the Internet or e-mail. The accounting system of the payment source (which can also be called the billing party) that receives the information (month, date, transfer date, business partner name, billing amount, etc.) receives the billing of the payment target using the bill data. After authorizing the payment for the invoice, create a payment information file by setting a unique identification code in the header information item as a collective payment process for the invoice due date By setting the same identification code as the identification code set in the payment information in a spare item (at this time, it is recorded how much and how much invoice was paid). After creating the data, the payment information is transmitted to the billing company's accounting system via the external network, and the FB data is transmitted to the billing company's accounting system via the transfer bank via the financial institution network. (The FB data transmitted to the transfer bank is usually transmitted from the transfer bank to the billing company via the financial information network after updating the balance of the account, etc.).

However, on the accounting system side of the paying company,
In addition to having the fee deduction information when the transfer fee is deducted as payment information and the invoice information to be paid, the identification code is also set for the deduction amount indicated by the fee deduction information, and the transfer fee After determining whether or not the deduction is performed, the transfer fee amount when the deduction of the transfer fee is performed is added to the payment information.

On the other hand, on the accounting system side of the billing company,
After receiving the FB data transmitted from the accounting system side of the paying company via the transfer bank via the transfer bank as a payment information check via the financial institution network, the FB data is transmitted to the identification code set in the spare item. After checking the existence of the payment information transmitted via the external network based on the information, the consistency is confirmed, and then the automatic clearing process for the invoice data for the payment source company is started. That is, when the accounting system of the billing company receives the FB data from the accounting system of the paying company via the transfer bank, the identification code set in the spare item is set to the header information item in the payment information. After confirming that there is an invoice, read the invoice data for the paying company using the invoice number described in the payment information as key information if it exists, and read the invoice data The automatic payment process is performed by performing the payment for the total payment amount based on the payment information. At this time, the accounting system of the invoicing company adjusts the transfer fee deduction amount so as to deduct the transfer fee amount when there is fee deduction information in the payment information during the automatic clearing process.

In a decentralized accounting system to which such a method of creating and using FB data with payment information is applied, both the billing company and the paying company have sufficient information exchange functions, After matching the billing amount with the payment amount from the paying company, the billing company can appropriately execute the clearing process efficiently.

FIG. 1 is a block diagram showing a basic configuration of a distributed accounting system according to an embodiment to which a method for creating and using FB data with payment information according to the present invention is applied. This decentralized accounting system includes an accounting system 1 of a billing company A,
The accounting system 2 of the payment source company B, an in-house network 100 and a financial institution network 200 interconnecting these accounting systems 1 and 2 are configured.

The accounting system 1 of the billing company A is
Has a function of transmitting invoice data for the paying company B to the accounting system 2 of the paying company B via the in-house network 100,
0, a function of receiving the FB data transmitted from the payment source company B via the transfer bank via the financial institution network 200 from the payment source company B, and a bill based on the payment information from the payment source company B. It has a function to automatically erase data.

The accounting system 2 of the paying company B has a function of receiving invoice data transmitted from the invoicing company A via the in-house network 100, and a due date for the invoice to be paid based on the invoice data. Create a payment information file by setting a unique identification code in the header information item as a collective payment process for those that will become a payment process, and then use the same identification code as the identification code set in the payment information as a spare The function of creating FB data by setting the item and the payment information are transmitted to the accounting system 1 of the billing company A via the in-house network 100, and the FB data is billed via the transfer bank via the financial institution network 200. It has a function of transmitting to the accounting system 1 of the former company A.
Here, the identification code is used for uniquely associating the payment information with the FB data when creating the FB data.

FIG. 2 is a functional block diagram including processing functions in the distributed accounting system. In the case of this distributed accounting system, referring to FIG. 2, the accounting system 1 in the invoicing company A can access the invoice data accumulated as a database, and executes the invoice data as invoice issuing processing. Is transmitted to the accounting system 2 of the paying company B via the external network 100. As a format of the invoice data filed as a database, for example, the use of XML is used. The accounting system 1 in the billing company A receives the FB data transmitted via the financial institution network 200 as the payment / payment information check, and transmits the FB data from the payment company B via the external network 100. A function to check whether or not the payment information to be associated with the identification code,
As the automatic clearing process, the FB data is paid by company B
A function of automatically erasing the invoice data for the payment source company B when the identification information is associated with the payment information transmitted from the company via the external network 100. In this connection, the automatic reconciliation process here extracts the item to be reconciled in the invoice data of the invoicing company A based on the payment information transmitted from the accounting system 2 of the invoicing company B. Deduct the transfer fee amount, but if the payment information includes the fee deduction information indicating that the transfer fee has been deducted, the transfer fee deduction to deduct the transfer fee amount It has a function to adjust the amount.

On the other hand, the accounting system 2 of the paying company B stores the invoice data transmitted from the accounting system 1 of the invoicing company A via the external network 100 as a database, and the transfer. It is possible to access the transfer fee master, which is a master file in which the name of the partner company from which the fee is to be deducted and the amount of the transfer fee are set as a database. If you are a company that should deduct the transfer fee based on the invoice number and payment amount that was the payment source and the transfer fee master as a payment process, A function to create a payment information file that contains information such as the transfer fee deduction amount, and a payment processing Outside network 10 the payment information
0 to the invoicing company A and the created F
And a function of transmitting the B data to the billing company A via the transfer bank via the financial institution network 200.
The format of the bill data filed as a database or the payment information created in a file includes, for example, the use of XML.

In short, in the case of this distributed accounting system, as a basic operation, the payment source company B is executed based on the invoice data transmitted from the accounting system 1 of the invoice source company A via the external network 100 through the invoicing process. Accounting system 2 creates FB data with payment information as a payment process, and the accounting system 1 of the billing company A receives the FB data via the bank transfer via the financial institution network 200, and the billing system for the billing company B Based on the payment information obtained via the network 100, the data is subjected to a payment / payment information check and then automatically applied to the payment amount (payment).

FIG. 3 is a functional block diagram with a flowchart showing the detailed operation processing in the processing function of the distributed accounting system.

Referring to FIG. 3, the operation processing in this distributed accounting system will be described in detail according to the operation procedure.
First, the invoicing company A transmits the invoice data already approved by the invoicing process of the accounting system 1 to the external network 1.
Then, a process of transmitting the payment to the accounting system 2 of the payment source company B via the "00" (step S1) is performed. After this, if necessary, a connection to the slip drafting process may be performed.

Next, at the payment source company B, the person in charge accumulates and uses the received invoice data and approves the payment for the invoice to be paid from the payment terminal or the like. As a batch payment process, the invoice data of the payment target date (or the date in the range from the first day to the last day of the target month in the case of batching by month) is read (step S2), Total the payment amount. still,
Here, if there is no invoice data to be paid, the payment process is not performed.

Subsequently, a unique identification code P is generated and adopted (step S3) as a collective payment process for the payment date of the invoice, and the identification code P is set in the header information item. Then, a file of payment information (invoice number, payment date, payment transfer destination, billing amount, payment amount, etc., to be paid) is created (step S4). The identification code P adopted here is
For example, it is a code that does not overlap with other codes such as date + customer code + unique number. Thereafter, as a payment process, the transfer fee is determined based on whether or not the invoicing company A is a company subject to the transfer fee deduction based on the transfer fee master (whether or not the transfer fee is to be paid by the payee company B). It is determined whether or not to deduct the transfer fee (step S5). If the transfer fee is to be deducted, the transfer fee amount to be deducted is obtained from the transfer fee master, added to the payment information (step S6), written, and paid. This is the sum of the amounts to be paid out of the invoice amount of the target invoice, and if there is a transfer fee deduction, the sum of the amount to be paid minus the transfer fee amount FB data is created by setting the transfer date, payee name, payee account number, etc., and the same identification code P as the identification code P set in the payment information is reserved. Setting (step S7).

However, if the transfer fee is not deducted in the determination of whether or not the transfer fee is to be deducted (step S5) (if the invoicing company A is not a company subject to the transfer fee deduction), the transfer fee amount is set to the payment information. (Step S
6) is not performed. Incidentally, as a specific form of the payment information file created by the payment source company B side,
For example, an image diagram as shown in FIG. 4 can be exemplified.

Further, after performing a process of transmitting the payment information created as a payment process to the accounting system 1 of the billing company A via the external network 100 (step S8), the created FB data is transmitted to the financial institution network. 20
Then, the data is transmitted to the accounting system 1 of the billing company A via the transfer bank via the transfer bank 0 (step S9), and the processing operation is terminated. After the process of transmitting the FB data (step S9), if necessary, a transition may be made to connect the slip invoicing process as described above.

By the way, the transaction bank, which is a transfer bank, sends the FB data, which has been subjected to the process of updating the account balance (step S10) set in advance to the transmitted FB data, to the billing source via the financial institution network 200. After transmitting to the accounting system 1 of the company A, the processing operation ends.

On the other hand, the billing company A accumulates the payment information transmitted from the payment company B via the external network 100 as a payment / payment information check in the accounting system 1 and stores the payment information in the financial institution network 200. When the FB data transmitted through the FB data is received, the identification code P set in the spare item of the FB data is read,
It is checked whether or not the FB data and the payment information having the same identification code P exist based on whether or not the payment information having the identification code P as the header information exists in the payment information stored earlier ( After step S11), the automatic clearing process is started.

However, as a result of checking whether there is FB data and payment information having the same identification code P (step S11), if there is no payment information associated with the FB data, automatic clearing is performed. Do not start the process. In such a case, a connection to another process such as a payment information non-acquisition process may be made.

In the automatic clearing process, the FB data and the payment information associated with the identification code P having the same identification code P as the header information are read by the payment / payment information check. The invoice data is read from the invoice data described in (1) using the invoice number described in the payment information as a key (step S12), and the invoice amount and transfer date set in the invoice data and the invoice amount indicated in the payment information are read. After confirming that they match, by comparing the transfer date, etc., the payment data is applied to the read billing data based on the payment information to thereby apply for payment (step S13). . Thereafter, if necessary, a connection may be made to the slip invoicing process as described above.

Further, in the automatic clearing process, when the process of adding the previous transfer fee amount to the payment information is performed (step S6), the fee deduction information for deducting the transfer fee is described as the payment information. If the transfer fee has been paid, the transfer fee deduction amount is adjusted (Step S14) to deduct the transfer fee amount in a process of issuing a transfer fee slip, and the processing operation is terminated.

[0037]

As described above, according to the method of creating and using FB data in the distributed accounting system according to the present invention, the FB data is transmitted from the accounting system of the billing company via the invoicing process through the external network. The accounting system of the paying company creates FB data with payment information as a payment process based on the invoice data, and the accounting system of the billing company that received the FB data via the transfer bank via the financial institution network is the paying company. Incoming payment data is checked automatically based on the payment information obtained via the network for the invoice data destined for the customer, and the automatic application process with the payment is performed. To provide a sufficient information exchange function, and match the amount billed from the invoicing company with the amount paid in from the paying company. The process scrub to an appropriate probability under company so effectively may well run. In particular, by comparing the invoice data issued by the invoicing company with the FB data associated with the identification code transmitted from the paying company and the invoice information of the payment information,
Alternatively, it is necessary to clarify how much the deposit amount is, and to make the payment by subtracting the transfer fee in the payment by the paying company, the FB data and the payment information associated with the identification code when performing the payment. The included fee deduction information (transfer fee amount) ensures that the invoice amount in the invoice data issued by the invoicing company matches the deposit amount by the paying company, and the invoice at the invoicing company Since the object to be erased is clear, efficient automation of the erase process is realized, and the smooth execution of business is promoted.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a basic configuration of a distributed accounting system according to an embodiment to which a method for creating and using FB data with payment information according to the present invention is applied.

FIG. 2 is a functional block diagram including processing functions in the distributed accounting system shown in FIG. 1;

FIG. 3 is a functional block diagram with a flowchart showing detailed operation processing in processing functions of the distributed accounting system described in FIG. 2;

FIG. 4 is an image diagram specifically illustrating a payment information file created by the payment source company in the flowchart shown in FIG. 3;

[Explanation of symbols]

 1, 2 Accounting system 100 Outside network 200 Financial institution network A Billing company B Payment company

Claims (6)

[Claims] Claims: 1. An accounting system of a paying company, which receives invoice data transmitted from an accounting system of the invoicing company via an external network, uses the invoice data to process an invoice to be paid. After approving the payment, create a payment information file by setting a unique identification code in the header information item as a collective payment process for the invoice that will be the due date of the invoice, After setting firm banking data by setting the same identification code as the identification code set in the payment information in a spare item, the payment information is transmitted to the accounting system side of the billing company via an external network. And transmitting the firm banking data to the billing company's accounting system via a transfer bank via a financial institution network. Creating and using farm banking data with payment information in a distributed accounting system. 2. The method according to claim 1, wherein the payment system includes payment information.
In addition to having the fee deduction information when the transfer fee deduction is performed as the payment information, and the invoice information to be paid, the identification code is also set for the deduction amount indicated by the fee deduction information. Creating and using farm banking data with payment information in a decentralized accounting system. 3. The method for creating and using firm banking data with payment information in the decentralized accounting system according to claim 2, wherein the accounting system of the payment source company comprises:
Determining whether or not the transfer fee is to be deducted, and adding a transfer fee amount when the transfer fee is to be deducted to the payment information; firm banking with payment information in a decentralized accounting system, How to create and use data. 4. The method for creating and using firm banking data with payment information in the decentralized accounting system according to claim 1, wherein the accounting system of the billing company checks the payment / payment information. The identification set in the spare item after receiving the firm banking data transmitted from the accounting system side of the paying company via the transfer network via the transfer bank via the financial institution network. Checking the existence of the payment information transmitted via the external network based on a code to confirm the consistency, and then activating an automatic clearing process for the invoice data for the paying company. How to create and use farm banking data with payment information in a distributed accounting system. 5. The method for creating and using firm banking data with payment information in a decentralized accounting system according to claim 4, wherein the accounting system of the billing company comprises:
When receiving the firm banking data from the accounting system side of the paying company via the transfer bank, having the identification code set in the spare item in the header information item in the payment information Is read after confirming whether or not exists, reads invoice data for the payment source company using the invoice number described in the payment information as key information, and reads the invoice data with respect to the read invoice data. A method for generating and using payment information-attached firm banking data in a decentralized accounting system, wherein the automatic reconciliation process is performed by reconciling the total amount of payment based on the payment information. 6. The method for creating and using payment banking data with payment information in a decentralized accounting system according to claim 5, wherein the accounting system of the billing company comprises:
Payment information in a decentralized accounting system, wherein the transfer fee deduction amount is adjusted to deduct the transfer fee amount when the fee deduction information is present in the payment information during the automatic clearing process. How to create and use farm banking data.