JP2017191550A - Payment work support system and payment work support method - Google Patents

Abstract

[PROBLEMS] To improve the efficiency of various operations associated with payment operations in both financial institutions and their customers. In a payment business support system 100, a storage device 101 that stores a table 125 that stores processing rules according to the contents of each payment business, such as taxes and transfers, and scan data for a payment document presented by a customer, From the ATM 200 that has obtained the payment content described in the payment slip by character recognition, the information on the payment content is received, and the payment content information is checked against the table 125 to determine whether or not the payment business indicated by the payment content can be performed. Then, it is configured to include an arithmetic unit 104 that cooperates with the ATM 200 to execute the payment work that can be performed by the determination according to a predetermined procedure. [Selection] Figure 2

Description

  The present invention relates to a payment business support system and a payment business support method, and specifically relates to a technique for improving the efficiency of various operations associated with payment business in both financial institutions and their customers.

  Recently, so-called high-function ATMs, which are equipped with scanners and printers in addition to conventional ATMs, have appeared. In such a high-performance ATM, it is possible to acquire image data of a transfer form of the financial institution and execute a settlement process or the like based on the value of each item obtained from the image data.

  As such a technique, for example, in a payment processing system including a payment medium and a processing device that performs a payment process based on the payment medium, the payment medium has an IC tag storing payment information There has been proposed a payment processing system (see Patent Document 1), and the like, wherein the processing device includes an IC tag reading unit that reads the payment information stored in the IC tag.

JP 2007-128252 A

  The prior art is configured to perform determination and processing according to the type of form or the like. However, customers who use financial institutions desire payment procedures from various backgrounds, and it is difficult to sort out all transactions based on the form type and execute them appropriately.

  For example, in the current situation where the regulations for handling public money payments differ depending on the local government, even if the payment operation is simply determined by the type of payment, for example, income tax, consumption tax, local tax, etc., a call from the sales office to the local government The actual work at the site does not match the processing contents of the conventional technology, such as cases where confirmation or confirmation between the teller and the payer is necessary / unnecessary, or cases where processing rules such as receipts are different when payment is completed A situation exists.

  As a result, the payment operation is complicated, which may lead to an increase in the time and effort associated with the customer of the financial institution and the person in charge.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a technique for improving the efficiency of various operations associated with payment operations in both financial institutions and their customers.

  The payment business support system of the present invention that solves the above problems is a storage device that stores a table storing processing rules according to the contents of each payment business such as tax and transfer, and scan data for a payment document presented by a customer, The information on the payment content is received from the ATM that has obtained the payment content described in the payment notice by character recognition, the payment content information is checked against the table, and whether or not the payment operation indicated by the payment content is performed is determined. And an arithmetic unit that cooperates with the ATM in accordance with a predetermined procedure to perform the payment operation that is determined and can be performed by the determination.

  Further, according to the payment business support method of the present invention, the information processing system including a storage device that stores a table that stores processing rules according to the contents of each payment business such as tax and transfer includes scan data for a payment document presented by a customer. From the ATM that has obtained the payment content described in the payment notice by character recognition, the payment content information is received, the payment content information is checked against the table, and the payment operation indicated by the payment content is performed. It is characterized in that it is determined whether it is possible or not, and a payment operation that can be performed by the determination is executed in cooperation with the ATM according to a predetermined procedure.

  ADVANTAGE OF THE INVENTION According to this invention, the various operations accompanying a payment operation can be made efficient in both financial institutions and their customers.

It is a network block diagram including the payment business support system of this embodiment. It is a figure which shows the hardware structural example of the payment business assistance system in this embodiment. It is a figure which shows the hardware structural example of ATM in this embodiment. It is a figure which shows the example of a data structure of the prescription | regulation table of this embodiment. It is a figure which shows the example of a flow of the payment business assistance method in this embodiment.

--- Network configuration ---

  Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a network configuration diagram including a payment business support system 100 of the present embodiment. The payment business support system 100 shown in FIG. 1 is a computer system that improves the efficiency of various operations associated with payment business in both financial institutions and their customers.

  The payment business support system 100 assumes a server device operated by a financial institution. This server device may include functions of existing servers in financial institutions, such as a branch office server and an ATM management server.

  Such a payment business support system 100 is connected to a secure network 10 provided in a financial institution, and is connected to an ATM 200 of each branch office so as to be communicable. The ATM 200 in the present embodiment is an ATM device called a so-called high function ATM. In addition to the configuration of a conventional ATM, a high-function ATM includes a scanner that captures a form and acquires image data, and a printer that issues a receipt.

The payment business support system 100 according to the present embodiment cooperates with such a high-function ATM 200 to appropriately perform the payment business. Therefore, it is preferable that the payment business support system 100 includes the ATM 200.
--- Hardware configuration ---

  The hardware configuration of the payment business support system 100 is as follows. FIG. 2 shows a hardware configuration example of the payment business support system 100 of the present embodiment.

The payment business support system 100 is stored in a storage device 101 composed of an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive, a memory 103 composed of a volatile storage element such as a RAM, and the storage device 101. A computer 102 such as a CPU that performs various determinations, computations, and control processes, and performs overall control of the device itself by reading the program 102 to the memory 103 and executing it.
And a communication device 105 that performs communication processing with the ATM 200.

  The storage device 101 stores at least a regulation table 125 in addition to the program 102 for implementing functions necessary for the payment business support system 100 of the present embodiment. A specific data structure of the regulation table 125 will be described later.

  FIG. 3 shows a hardware configuration example of the ATM 200 of this embodiment. The ATM 200 according to the present embodiment is held in a storage device 201 configured by an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive, a memory 203 configured by a volatile storage element such as a RAM, and the storage device 201. The computer 202 is executed by reading out the program 202 to the memory 203 and performing overall control of the device itself, as well as an arithmetic device 204 such as a CPU for performing various determinations, computations and control processing, receiving input operations from the user and displaying processing data. An input / output device 205 such as a touch panel to perform, and a communication device 206 connected to the network 10 and responsible for communication processing with the payment business support system 100 are provided.

  The ATM 200 is a high-functional ATM as described above, and further includes a scanner 207 and a printer 208.

  Needless to say, the ATM 200 includes a cash processing mechanism 210 that generally includes a cash deposit / withdrawal port and its opening / closing control mechanism, cash transport, and storage mechanisms that should be generally provided as an automatic teller machine. In addition, the ATM 200 in this embodiment includes a plurality of stackers 220 in addition to such a general cash processing mechanism 210.

  The plurality of stackers 220 are composed of at least two types of stackers: a stacker 2201 for other organizations and a stacker 2202 for staff.

  Among them, the stacker 2201 for other organizations performs a payment operation without any problem by the cooperation of the payment operation support system 100 and the ATM 200, and takes out a payment slip to be sent to another financial institution or local government, for example. It is a stacker that can be accommodated. On the other hand, the staff correspondence stacker 2202 is a stacker that detachably accommodates a payment slip that has been determined to be unexecutable for a payment operation based on the determination result.

Any payment document read by the ATM 200 is controlled by the arithmetic unit 204 that receives an instruction from the payment business support system 100 via the payment document transport mechanism 230, and the stacker 2201 for other organizations or staff support It is discharged to one of the direction stackers 2202.
--- Data structure example ---

  Next, tables used by the payment business support system 100 of this embodiment will be described. FIG. 4 shows an example of the definition table 125 in this embodiment. The regulation table 125 is a table that stores processing regulations according to the contents of each payment business such as tax and transfer.

The data structure is a set of records in which values such as a job type, a target organization that can accept the job, and a payment deadline are associated at least.
--- Flow example ---

  Hereinafter, the actual procedure of the payment business support method in the present embodiment will be described with reference to the drawings. Various operations corresponding to the payment business support method described below are realized by a program that the payment business support system 100 reads into the memory or the like and executes. And this program is comprised from the code | cord | chord for performing the various operation | movement demonstrated below.

  FIG. 5 is a diagram showing a flow example of the payment business support method in the present embodiment. In this case, the ATM 200 performs an image scan by the scanner 207 on the payment slip presented by the customer using the ATM 200, and acquires image data (s100).

  Further, the ATM 200 executes character recognition processing on the acquired image data by a predetermined OCR function (adopting an existing one as appropriate), and describes the contents of the payment notice, that is, each value of the payment contents (including text data). ) Is specified (s101).

  For example, as payment information, tax type such as prefectural tax, municipal tax, consumption tax, etc. listed in the tax payment document to be paid to the country or local government, name of local government subject to tax payment such as Tokyo Metropolitan Government, Kanagawa Prefecture, etc. The amount, due date, taxpayer's name, etc. can be assumed. Alternatively, it is possible to envisage the description (eg, store number, subject, account number, transfer amount, etc.) of the transfer form addressed to a predetermined account of another financial institution. Of course, the payment notice targeted by the payment business support in the present embodiment is not limited to these.

  The ATM 200 transmits the payment content information obtained in s101 to the payment business support system 100 via the network 10 (s102).

  On the other hand, the payment business support system 100 receives the payment content information described in the payment notice from the above-described ATM 200 and stores it in the memory 103 (s103).

  Next, the payment business support system 100 collates the payment content information held in the memory 103 with the regulation table 125 (s104).

  For example, the applicable payment form is a payment form for tax payment to the local government, and the information on the payment contents recognized from there is the tax type “municipal tax”, the target local government “Yokohama City”, the payment amount “20000 yen”, the payment deadline If the taxpayer is “2016/03/11” or taxpayer “Taro Taro”, tax payment related to “Citizen Tax” of “Yokohama City” is acceptable, and the due date “2016/03/11” It can be determined that the current state is excessive.

  In this way, if the payment processing support system 100 results in no problem with any of the regulations of the tax type, the target local government, and the due date for payment (s105: y), for example, the payment form is confirmed. The payment operation related to is specified as being feasible, and the process is shifted to s110.

  In the s110, the payment business support system 100 instructs the ATM 200 to execute a settlement process according to the payment contents obtained for the payment notice.

  On the other hand, the ATM 200 receives this instruction, accepts cash or the like according to the amount paid from the taxpayer user, and executes a settlement process for tax payment with a predetermined account system in the financial institution. (S111).

  When the accounting process with the accounting system is completed successfully, the ATM 200 outputs a receipt printed with the processing result on the printer 208 (s112), and ends the process. At this time, the ATM 200 collects the payment slip by the payment slip transport mechanism 230, and transports and discharges it to the stacker 2201 for other organizations in the stacker 220.

On the other hand, if there is a problem regarding at least the tax type and the target local government among the regulations of the tax type, the target local government, and the payment deadline, for example, by the above-described collation processing in s104, that is, the payment slip is the financial institution. If it is found in the regulation table 125 that the payment is an unacceptable payment slip (s105: n1), the payment business support system 100 specifies that the payment business related to the payment payment cannot be performed, and shifts the processing to s120.

  In step s120, the payment business support system 100 instructs the ATM 200 to display that the payment business cannot be performed with respect to the payment notice.

  On the other hand, in response to this instruction, the ATM 200 displays a message in the input / output device 205 to the user who is a taxpayer that the contents of the payment slip cannot be handled by the financial institution. (S121). In addition, the ATM 200 conveys and discharges the payment slip collected by the payment slip transport mechanism 230 to the staff-compatible stacker 2202 in the stacker 220.

  Alternatively, if, for example, the tax processing, the target local government, and the payment due date are exceeded with respect to the payment due date rule (s105: n2) by the above-described collation processing at s104, the payment business support system 100 causes the process to transition to s130.

  In s130, the payment business support system 100 executes arrearage payment calculation based on the payment contents of the payment slip based on a predetermined rule corresponding to the tax type. Such arrearage calculation logic shall be implemented in accordance with existing tax calculation rules.

  Further, the payment business support system 100 determines whether the arrears amount obtained by this calculation exceeds the payment amount described in the payment statement (s131).

  As a result of this determination, if it becomes clear that the arrears amount does not exceed the payment amount (s132: y), the payment operation support system 100 specifies that the payment operation relating to the payment statement can be performed, and the processing is performed as described above in s110. And the subsequent steps are executed in the same manner.

  On the other hand, if it is determined as a result of the above-described determination that the arrears amount exceeds the payment amount (s132: n), the payment business support system 100 determines that the payment business cannot be performed, and the process is performed as described above in s120. And the subsequent steps are executed in the same manner. Therefore, when such arrears amount exceeds the payment amount described in the payment slip, the payment slip is transported and discharged to the staff correspondence stacker 2202 in the stacker 220 by the payment slip transport mechanism 230.

  Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the scope of the invention.

  According to this embodiment, it is possible to improve the efficiency of various operations associated with payment operations in both financial institutions and their customers.

  At least the following will be clarified by the description of the present specification. That is, in the payment business support system according to the present embodiment, when determining whether or not the execution is possible, the arithmetic device checks the payment content information against the table, and the payment date indicated by the payment content is determined in the payment business. If the payment date is over and the payment date is over the payment date, the arrearage calculation based on the payment details of the payment slip is executed based on the prescribed rule, and the arrearage amount obtained by the calculation is When the amount of payment indicated by the payment details is exceeded, it may be determined that the payment operation cannot be performed and a predetermined process is executed.

According to this, regarding the payment notice in which arrears are due, there is a discrepancy between the late payment amount and the payment amount described in the payment notice, and the payment business support system and ATM cannot directly perform the payment business as it is. Can respond to the situation. In this case, the payment business support system 100 performs a process of notifying the ATM of an instruction to discharge such a payment slip to a stacker for collecting a payment slip that requires staff correspondence among the stackers in the ATM. .

  Further, in the payment business support system according to the present embodiment, the computing device, based on a result of the determination as to whether or not it is possible to perform the payment, determines whether the payment business cannot be performed, among the plurality of stackers provided in the ATM. It is also possible to send an instruction to the ATM to the effect that the payment is to be collected in the payment document collection stacker for the staff of the financial institution to which the company belongs.

  According to this, a payment notice that is not subject to processing by the processing rules of the above-mentioned regulation table, that is, that the business cannot be performed by the cooperation of the payment business support system and the ATM is surely collected, and this is collected by the staff of the financial institution. It can be used for such processing.

  In addition, in the payment business support system according to the present embodiment, when the discharge instruction is received, a payment slip that is determined to be unsuccessful in performing the payment business is used as a financial statement to which the ATM belongs among a plurality of stackers provided in the ATM. It may further include an ATM that is discharged to a payment document collection stacker for the staff of the institution.

  According to this, the payment business support system cooperates efficiently with the ATM, and reliably collects the payment notice that is impossible to perform the business by the cooperation of the payment business support system and the ATM, Can be used for the processing of staff.

  Further, in the payment business support method of the present embodiment, when the information processing system determines whether or not the payment is possible, the information on the payment content is checked against the table, and the payment date indicated by the payment content is the payment business. If the payment date is over the payment deadline, the arrearage calculation based on the payment details of the payment notice is executed based on the prescribed rule, and the arrearage amount obtained by the calculation is If the payment amount indicated by the payment details is exceeded, it may be determined that the payment operation cannot be performed, and a predetermined process may be executed.

  Further, in the payment business support method of the present embodiment, among the plurality of stackers provided in the ATM, the information processing system determines, based on the result of the determination as to whether or not the payment can be performed, among the plurality of stackers provided in the ATM. An instruction may be transmitted to the ATM to the effect that it is to be discharged to a payment document collection stacker for staff of financial institutions to which the ATM belongs.

  Further, in the payment business support method of the present embodiment, when the ATM having the plurality of stackers receives the discharge instruction, a plurality of payment slips determined to be unexecutable for the payment business are provided in the ATM. It is good also as discharging to the payment document collection | recovery stacker for staff correspondence of the financial institution to which the said ATM belongs among stackers.

10 Network 100 Payment Business Support System 101 Storage Device 102 Program 103 Memory 104 Arithmetic Device 105 Communication Device 125 Regulation Table 200 ATM
201 Storage Device 202 Program 203 Memory 204 Arithmetic Device 205 Input / Output Device 206 Communication Device 207 Scanner 208 Printer 210 Cash Processing Mechanism 220 Stacker 2201 Stacker 2202 for Other Organizations Stacker 230 for Staff Staff Payment Delivery Mechanism

Claims (8)

A storage device for storing a table storing processing rules according to the contents of each payment business such as tax and transfer;
From the scan data for the payment document presented by the customer, the payment content information is received from the ATM obtained by character recognition of the payment content described in the payment statement, the payment content information is collated with the table, An arithmetic device that determines whether or not to perform the payment business indicated by the payment content, and executes the payment business that can be performed by the determination in cooperation with the ATM according to a predetermined procedure;
A payment business support system characterized by comprising: The arithmetic unit is
When determining whether or not the payment can be performed, the payment content information is checked against the table to determine whether the payment date indicated by the payment content is within the payment due date in the payment operation, and the payment date indicates the payment due date. If overdue, the arrearage calculation based on the payment details of the payment notice is executed based on the prescribed rules, and if the arrearage amount obtained by the calculation exceeds the payment amount indicated by the payment details, the payment operation is performed. It is determined to be impossible, and predetermined processing is executed.
The payment business support system according to claim 1. The arithmetic unit is
Based on the result of the determination as to whether or not the payment can be performed, the payment slip determined to be unsuccessful in paying out is discharged to a payment slip collection stacker for the staff of the financial institution to which the ATM belongs, among a plurality of stackers provided in the ATM An instruction to do so is sent to the ATM.
The payment business support system according to claim 1. When the payment instruction is received, the payment slip determined to be unsuccessful in performing the payment operation is sent to a payment slip collection stacker for the staff of the financial institution to which the ATM belongs, out of a plurality of stackers provided in the ATM. Further including ATM to discharge,
The payment business support system according to claim 3. An information processing system comprising a storage device for storing a table storing processing rules according to the contents of each payment business such as tax and transfer,
From the scanned data for the payment slip presented by the customer, the payment content described in the payment slip is received from the ATM that obtained the payment content by character recognition.
The information on the payment details is checked against the table to determine whether or not the payment business indicated by the payment details can be performed,
The payment business that can be performed by the determination is executed in cooperation with the ATM according to a predetermined procedure.
A payment business support method characterized by that. The information processing system is
In determining whether or not the performance can be performed, the payment content information is checked against the table to determine whether the payment date indicated by the payment content is within the payment due date in the payment operation,
If the payment date exceeds the payment deadline, the arrearage calculation based on the payment details of the payment notice is executed based on a predetermined rule,
If the arrears amount obtained by the calculation exceeds the payment amount indicated by the payment details, it is determined that the payment operation cannot be performed, and predetermined processing is executed.
The payment business support method according to claim 5, wherein: The information processing system is
Based on the result of the determination of whether or not it can be performed, the payment notice determined to be unable to perform the payment operation,
An instruction is sent to the ATM indicating that the ATM is to be discharged to a payment document collection stacker for the staff of the financial institution to which the ATM belongs, among the plurality of stackers provided in the ATM.
The payment business support method according to claim 5, wherein: The ATM comprising the plurality of stackers is
When the payment instruction is received, the payment slip determined to be unsuccessful in performing the payment operation is sent to a payment slip collection stacker for the staff of the financial institution to which the ATM belongs, out of a plurality of stackers provided in the ATM. Discharge,
The payment business support method according to claim 7.

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