JP4459538B2 - Reorganization fund management system, reorganization fund management system program, and recording medium recording the program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a fund management system that collectively manages funds of companies belonging to a group in a group to which a plurality of companies belong, and more particularly, a fund management system improved in response to a reorganization, and a program for the system The invention relates to a recording medium on which the program is recorded and a recombination data format that can be used in the system, in the field of business management technology using a computer.
[0002]
[Prior art]
In this specification, “group” includes, for example, a group consisting of a parent company and a subsidiary company having a capital relationship, an affiliated company and an affiliated company, etc. This includes groups composed of customer companies.
[0003]
2. Description of the Related Art A system that collectively manages funds of companies belonging to a group in a company group composed of a plurality of companies is known. For example, in Patent Document 1, a centralized account set up in a financial institution is linked to an account of a group company, and funds are transferred between these accounts so that the account balance of the group company is always zero or a fixed amount. Such a cash management system is disclosed. In addition, a money management system has been proposed in which a payment agent service is provided from a company belonging to the group to a company outside the group. In such a case, if a plurality of payment cases requested by a plurality of group companies are paid together, the payment agent business efficiency can be improved, the number of payments for the entire group can be reduced, and fees can be reduced.
[0004]
[Patent Document 1]
JP 2000-339391 A
[0005]
[Problems to be solved by the invention]
By the way, when multiple payment cases from multiple group companies are paid together as described above, for example, when there is an error in the account number or account name of the payee and recombination occurs, the following Is required. First, it is necessary to specify which group company belongs to the reimbursement. In addition, the identified group company must be notified that reorganization has occurred. Furthermore, it is necessary for the identified group company to correct the error information that caused the reorganization or to select a method for processing the repaid payment item.
[0006]
However, in the conventional system, since the person in charge collated the data himself and specified the company belonging to the group, it took time to cope with the reorganization, and the burden on the person in charge was heavy. Next, after identifying the company belonging to the group, the person in charge clicks on the system display screen one by one, notifies the group affiliated company that the reorganization has occurred, corrects error information, and selects a processing method. If the work such as the above is proceeding, the recombination response is not smooth and efficient.
[0007]
Accordingly, the present invention provides a fund management system that acts as a proxy for a group affiliated company, improves the response when recombination occurs, reduces the burden on the person in charge, and provides a smooth and efficient combination. The challenge is to provide a return response. Hereinafter, the present invention will be described in detail including other problems.
[0008]
[Means for Solving the Problems]
  The invention according to claim 1 of the present application is provided in a cash center of a company group, and collectively manages the funds of the group affiliated company, and is connected to a group financial institution through a communication network. A cash management system for recombination that provides payment to companies outside the group,
  Payment request data recording means in which payment request data including payment request company information, payment destination information, payment amount information and payment date information related to payment requests from group affiliated companies is recorded for each payment matter;
  Payment request company information, payment destination information, payment amount information, and payment date information are paid by extracting payment request data that matches a predetermined condition from a plurality of payment request data recorded in the payment request data recording means. Payment agency data creation means for creating payment agency data to be included for each case,
  Payment agency data transmission means for transmitting the payment agency data created by the payment agency data creation means to the transaction financial institution via the communication network;
  A first clearing means for clearing a lending relationship between the payment requesting company and the cash center when the payment proxy data is transmitted to the transaction financial institution by the transmission means;
  Retrieval data acquisition for acquiring reimbursement data including payment request company information, payee information, payment amount information and payment date information regarding reimbursement transmitted from the transaction financial institution via the communication network for the payment agent data Means,
  Payment request company information included in the return data acquired by the return data acquisition means, or the payment request company information and the payment destination information, payment amount information, and payment date information included in the return data Identifying which payment item of which group affiliated company relates to which reorganization by searching a plurality of payment request data recorded in the payment request data recording means with at least one piece of information Means,
  A second clearing means for liquidating again the lending relationship cleared by the first clearing means when the payment item is specified by the specifying means;,
  Correct the error information that caused the reorganization on the computer of the group affiliated company identified by the above identification means, and reprocess it as a method of processing the reimbursed payment item, or by the payment requesting company or cash center Screen transmission means for transmitting a screen for selecting one of the transfer via a communication network in the group;
  The third clearing means for clearing the lending relationship between the payment requesting company and the cash center when reprocessing is selected on the screen and when transfer by the cash center is selected.It is characterized by having.
[0009]
According to this invention, payment request data is recorded in response to a payment request from a company belonging to a group, payment agent data in which a plurality of payment items are collected based on the payment request data, and the payment agent data is It is transmitted to a financial institution and processed on behalf of it.
[0010]
  In that case, the above payment request data includes at leastPayment request company informationIn other words, the information of the group company that made the payment request is included, while the reconstitution data created when recombination occurs also includes at leastPayment request company informationIs included, so if you combine these reorganization data and payment request data, they will be included in both dataPayment request company informationBased on the above, it is possible to reliably identify which group affiliated company's payment item is related to this reorganization.
[0011]
  Moreover,setThe system automatically performs tasks such as matching return data and payment request data, and identifying group affiliated companies, without the need for human intervention. The response is smooth and efficient, improving both time and accuracy.
[0013]
  In particular, according to the present invention, when the payment agent data is transmitted to the transaction financial institution, the first clearing means clears the lending relationship between the payment requesting company and the cash center, and the payment In the case of acquiring reversal data from a transaction financial institution for proxy data, if the reorganization is related to which payment item of which group company, the second clearing means uses the first clearing means. The cleared loan relationship will be cleared again.
[0014]
  Further, according to the present invention, the computer of the group company identified by the identifying means corrects the error information that caused the reorganization, and the reprocessing or the processing as a method of processing the reimbursed payment item. A screen for selecting either payment request company or transfer by cash center is transmitted, and when reprocessing is selected on this screen and when transfer by cash center is selected, that is, the second settlement means When a new loan relationship is generated after the loan relationship is restored in step (b), the loan relationship between the payment requesting company and the cash center is cleared again by the third clearing means.
[0019]
  next,Claim 2The invention described in the aboveClaim 1The payee information recording means in which the payee information included in the payment agent data is recorded for each company outside the group and the payee information on the screen transmitted by the screen transmission means. And a payment destination information updating means for updating the payment destination information recorded in the payment destination information recording means with the corrected information.
[0020]
  According to this invention, when the payee information is corrected by the identified group company, the system updates the payee information recorded in the payee information recording means. The burden of is reduced.
[0021]
  on the other hand,Claim 3The invention described in (1) is provided in a cash center of a company group, and collectively manages the funds of the group affiliated company, and is connected to the group's transaction financial institution via a communication network. A program for a funds management system that supports payments on behalf of recombination,
  Payment request data recording means in which payment request data including payment request company information, payment destination information, payment amount information and payment date information related to payment requests from group affiliated companies is recorded for each payment case,
  Payment request company information, payment destination information, payment amount information, and payment date information are paid by extracting payment request data that matches a predetermined condition from a plurality of payment request data recorded in the payment request data recording means. Payment agency data creation means to create payment agency data included for each case,
  Payment agency data transmission means for transmitting the payment agency data created by the payment agency data creation means to the transaction financial institution via the communication network;
  A first clearing means for clearing a lending relationship between the payment requesting company and the cash center when the payment agent data is transmitted to the transaction financial institution by the transmission means;
  Retrieval data acquisition for acquiring reimbursement data including payment request company information, payee information, payment amount information and payment date information regarding reimbursement transmitted from the transaction financial institution via the communication network for the payment agent data means,
  Payment request company information included in the return data acquired by the return data acquisition means, or the payment request company information and the payment destination information, payment amount information, and payment date information included in the return data Identifying which payment item of which group affiliated company relates to which reorganization by searching a plurality of payment request data recorded in the payment request data recording means with at least one piece of information means,
  The second clearing means for liquidating the lending relationship cleared by the first clearing means again when the payment item is specified by the specifying means,
  Correct the error information that caused the reorganization on the computer of the group affiliated company identified by the above identification means, and reprocess it as a method of processing the reimbursed payment item, or by the payment requesting company or cash center Screen transmission means for transmitting a screen for selecting one of the transfer via a communication network in the group; and
  The third clearing means for clearing the lending relationship between the payment requesting company and the cash center when reprocessing is selected on the screen and when transfer by the cash center is selected.It is made to function as.
[0025]
  next,Claim 4The invention described in the aboveClaim 3In the program for restructuring fund management system described in 1., the computer is a payment destination information recording means for recording payment destination information included in the payment agent data for each company outside the group, and a screen transmitted by the screen transmission means. When the payee information is corrected, the payee information is updated to function as a payee information update means for updating the payee information recorded in the payee information recording means.
[0026]
  theseClaims 3 and 4The invention described in claim 1 is the above-mentioned claim 1.And claim 2The above-described operation for the corresponding system can be obtained by applying the program to a computer and executing the program.
[0027]
  And the invention of claim 5 is the above-mentionedClaim 3 or claim 4With respect to a computer-readable recording medium in which the program for reorganization corresponding money management system described in 1 is recorded, the recording medium is applied to a computer,Claim 3 or claim 4By executing the program according to claim 1,Or claim 2The same action as the system described in (1) can be obtained.
[0029]
DETAILED DESCRIPTION OF THE INVENTION
The computer program for causing the restructuring-compatible fund management system to function according to the embodiment of the present invention constitutes the embodiment of the program for restructuring-compatible fund management system according to the present invention.
[0030]
As shown in FIG. 1, in the present embodiment, the restructuring-compatible fund management system 10 is provided in a corporate group A including a parent company a and a plurality of subsidiaries a1, a2,. The fund management system 10 is composed of a computer provided in the cash center (finance department) of the parent company a, and has a central processing unit 11, a recording device 12, and a communication control device 13. The funds management system 10 is connected to the terminal computer of the parent company a, the terminal computers of the subsidiaries a1, a2,. Further, the fund management system 10 can exchange information with the business banks A, B, C, etc. of the corporate group A (or the parent company a) via the communication information network 30 such as the Internet or an individual network laid independently. Connected.
[0031]
The communication information network 30 is connected to business partners X, Y, Z of subsidiaries a1, a2,... And business banks X, Y, Z of the business partners X, Y, Z. Further, the banks A... Z are connected to each other via the Zengin Data Communication Network 40 so that they can exchange information with each other. Here, the form of the business partners X, Y, and Z is not limited. It may be a company group or a single company.
[0032]
The person in charge of the cash center of the company group A operates the terminal of the system 10 (may be different from the terminal of the parent company a or the same) using the communication information network 30. Inquires about the bank account of the corporate group A opened in the bank A, B, C, and makes money online from the account to the bank account of the business partner X, Y, Z opened in the bank X, Y, Z. You can transfer money.
[0033]
As shown in FIG. 2, the recording device 12 of the money management system 10 includes a program recording unit 12a and a data recording unit 12b. A program that operates the system 10 so as to realize a predetermined function is installed in the program recording unit 12a. The data recording unit 12b includes a subsidiary master, a supplier master, a payment request table, a reorganization table, and the like.
[0034]
As illustrated in FIG. 3, various information regarding the subsidiaries a1, a2,... Are registered in the subsidiary master. Information to be registered includes a master ID (code A), company code, company name, business unit code, business unit name, person in charge name, mail address of the person in charge, system 10 and banks A, B, and C. The communication company code (symbol number), the communication company name (symbol key), etc., which are determined in advance, are included. Since information is registered in units of business units in this manner, different master IDs are given if the subsidiaries are different, and different master IDs are given if the business units are different even if the subsidiaries are the same. In FIG. 3, for example, the master ID “KS001” is assigned to the information related to the “first design unit” of “a1 corporation”.
[0035]
As illustrated in FIG. 4, various information regarding the business partners X, Y, and Z are registered in the business partner master. Information to be registered includes a master ID (code C), company code, company name, business unit code, business unit name, contact name, contact address, telephone number, facsimile number, bank number (code), Bank name (code number), branch number, branch name, item number, deposit type, account number, account name, etc. are included. Since information is registered in units of business units in this way, different master IDs are given if the business partners are different, and different master IDs are given if the business units are different even if the business partners are the same. In FIG. 4, for example, the master ID “TH001” is assigned to the information regarding “General Affairs Department” of “X Corporation”.
[0036]
  As illustrated in FIG. 5, in the payment request table, various information related to payment requests from subsidiaries a1, a2,. Information to be recorded includes a payment request subsidiary ID (symbol A), a table ID (symbol A), a business partner ID (the ID of the business partner that receives the payment, that is, the ID of the paying company: code C), D), payment date (symbol O),Payment request subsidiaryThe name of the person in charge, the input date and time, the name of the approver, the date and time of approval, etc. are included. In this way, information is recorded for each payment item, and a different table ID is assigned to each payment item. In FIG. 5, for example, “500,000” yen is added from the first design department of the payment request subsidiary ID “KS001”, that is, the a1 corporation to the customer ID “TH001”, that is, the general affairs department of the X corporation. The table ID “SI501” is assigned to the case to be paid on “January 20th”.
[0037]
Here, the payment request table includes a column for a paid flag. In this paid flag column, when a payment completion notice is transmitted from the bank A, B, C, “1” indicating the payment completion is automatically recorded by the system 10. In the illustrated example, “0” is recorded, so that each payment item has not yet been paid.
[0038]
As illustrated in FIGS. 6 and 7, in the reorganization table, various information relating to recombination transmitted from the transaction banks A, B, and C when recombination occurs is recorded. Information to be recorded includes a payment request subsidiary ID (symbol A), a table ID, a payment request ID (symbol A), a supplier ID (payee company ID: symbol C), a payment request subsidiary code (subsidiary in FIG. 3). Bank communication company code described in the master: code name), payment request subsidiary name (also bank communication company name: code key), payment date (code O), date and time of occurrence, reference number (banks A, B, C) Any number), payee bank number (sign code), bank name (code number), branch number, branch name, deposit type, account number, account name, payment amount (code d), error code, E-mail notification flag, e-mail transmission date / time, correction status, processing method, corrected payment date, bank number, bank name, branch number, branch name, item name, account number, account name, correction memo, reimbursement fee, corrector Name, modification date, approver name, approval date It is included. In this way, information is recorded for each reorganization item (that is, payment item), and a different table ID is assigned to each reorganization item. In FIG. 6, for example, in order to reconstitute a payment request ID “SI501”, that is, a case in which 500,000 yen is paid on January 20, 2003 from the first design department of a1 corporation to the general affairs department of X corporation. A table ID “KM001” is assigned.
[0039]
  Here, in the error code column, “1” indicating a bank number error, “2” indicating an account number error, and “3” indicating a branch number error are shown as the types of errors causing the reorganization. ”Or“ 11 ”indicating a mismatch of account names is recorded. In the email notification flag field, the payment item for which reorganization occurredPayment request subsidiary"1" indicating that the notification of the occurrence of recombination for "1" has been completed, or "0" indicating that it has not been completed yet is recorded. In the correction status column, “1” indicating that the error information has been corrected or “0” indicating that the error information has not been corrected is recorded. In the processing method column, “1” indicating that online reprocessing using the information communication network 30 has been selected as the processing method of the payment item in which the reorganization has occurred.Payment request subsidiaryEither “2” indicating that a separate transfer was selected in “3”, “3” indicating that a separate transfer was selected by the parent company (cash center), or “0” indicating that it was not yet selected Is recorded.
[0040]
Of the many fields provided in the reorganization table, the payment request subsidiary ID field (symbol a), the payment request ID field (symbol a), and the supplier ID field (symbol code) shown in FIG. ) Does not exist in the reorganization data of FIG. 14 to be described later, and is automatically recorded by the system 10 sequentially in the course of the specific work of the payment requesting subsidiary and the payment item.
[0041]
Next, with reference to the business flow shown in FIG. 8 and the flowchart shown in FIG. 9, the payment proxy process by the reorganization corresponding fund management system 10 and the system program according to the present embodiment will be described. In this case, the payment request is from the subsidiaries a1, a2,..., And the payment account is the account of the parent company a in the banks A, B, C.
[0042]
First, the person in charge of the subsidiaries a1, a2,... Operates the subsidiary terminal to access the fund management system 10 (reference a in FIG. 8). When a payment request is selected in the initial menu, a payment request screen as illustrated in FIG. 10 is displayed. The person in charge of the subsidiary inputs necessary items such as the payment requesting subsidiary, the business unit, the payee company, the business unit, the payment date, the payment amount, the person in charge, and the approver on this screen. Thereafter, when the OK button 51 is clicked, payment request data based on this input data is recorded in the payment request table of FIG. 5 (reference symbol b in FIG. 8 and step S11 in FIG. 9). Here, the input data shown in FIG. 10 corresponds to the table ID “SI501” in the payment request table of FIG.
[0043]
That is, the system 10 assigns a table ID (symbol A in FIG. 5) to the payment request, and then checks the input payment request subsidiary and the business division with respect to the subsidiary master in FIG. A) and the payment company ID (symbol c) is determined by checking the inputted payment company and the business division against the customer master in FIG. 4, and these IDs are used for the payment request in FIG. Recorded in the payment request subsidiary ID column and supplier ID column in the table (in this example, “KS001” and “TH001”). The other payment date (symbol E), payment amount (symbol D), etc. are recorded in the payment request table as input data. In this way, payment request data corresponding to payment requests from subsidiaries a1, a2,... Is accumulated in the payment request table with the passage of time.
[0044]
Next, the person in charge of the cash center operates the terminal of the system 10 to access the money management system 10 (reference c in FIG. 8). When a payment instruction is selected in the initial menu, a payment instruction screen as illustrated in FIG. 11 is displayed. The person in charge of the cash center designates the payment date on this screen. Then, out of the plurality of payment request data recorded in the payment request table of FIG. 5, only the payment request data that matches the specified condition (that is, payment date) is extracted and summarized on the payment agent instruction screen of FIG. Displayed. In that case, the total payment amount is displayed for each payment requesting subsidiary on the payment agent instruction screen. In addition, the total number of payments and the total payment amount are displayed for confirmation. At the same time, the bank name (bank A, B, C of company group A), branch name, deposit type, and account number are displayed, and for each bank A, B, C, the number of payments and the amount of payment are displayed. Is displayed. Then, when the cash center person confirms these display contents and clicks the OK button 52, payment agency data is created by combining the extracted payment request data into one, and the data is stored in the bank It is transmitted to A, B, and C (symbol d in FIG. 8 and steps S12 to S13 in FIG. 9).
[0045]
As illustrated in FIG. 12, the payment agent data includes a header record, a data record, a trailer record, and an end record. However, in the present embodiment, the header record, the data record, and the trailer record are set as one unit, and after this unit is repeated a plurality of times, one end record is finally added. More specifically, each unit has a common payment date and is linked by a payment requesting subsidiary and a payment source bank (more specifically, an account of a parent company as a payment source).
[0046]
The header record includes data classification, payment request subsidiary code (for bank communication), payment request subsidiary name (for bank communication), payment date, parent bank's transaction bank number, bank name, branch number, branch name, Items of deposit item and account number are set. In the data section, “1” indicating that the record is a header record is input. In the payment request subsidiary code and the payment request subsidiary name, the bank communication company code (symbol K) and the company name (symbol key) described in the subsidiary master of FIG. 3 are input.
[0047]
One data record is created for each payment item. For example, in the first unit shown in FIG. 12, since there are three payment items, three data records are created. In the data record, items of data classification, payee bank number, bank name, branch number, branch name, deposit type, account number, account name, payment amount and new code are set. In the data section, “2” indicating that the record is a data record is input. In the new code, “1” indicating that the payment item is the first payment agent process is input (in this case, if the payment item is the second payment agent process, that is, “2” ”Is input, and“ 0 ”is input when the payment item is a payment item obtained by dividing the payment amount into two or more). Here, the payee bank data is created with reference to the basic information registered in the supplier master of FIG.
[0048]
In the trailer record, items of data classification, total number of payments and total payment amount are set. In the data section, “8” indicating that the record is a trailer record is input. In the end record, only the data section item is set, and “9” indicating that the record is the end record is input to the data section.
[0049]
Banks A, B, and C receive this payment agency data, process each payment item based on the contents of the payment agency data, and transmit a payment completion notice to system 10 when payment is completed. Then, the system 10 receives this payment completion notification, and records “1” indicating payment completion in the paid flag column of the payment request table of FIG. 5 as described above. Further, since the loan from the cash center to the payment requesting subsidiary increases by the amount of the current payment, the system 10 clears the lending relationship (reference e in FIG. 8).
[0050]
Next, with reference to the business flow shown in FIG. 8 and the flowchart shown in FIG. 13 as well, reorganization processing by the reorganization corresponding fund management system 10 and the system program according to this embodiment, The work to identify which payment item of the payment request subsidiary is related.
[0051]
First, the cash management system 10 automatically acquires reorganization data from the banks A, B, and C at appropriate timing (for example, at regular time intervals or at a predetermined time every day), and performs the reorganization shown in FIGS. The contents are developed and recorded in the table (reference f in FIG. 8 and step S21 in FIG. 13). However, when no reorganization has occurred, the banks A, B, and C do not create recombination data, so that recombination data is not transmitted to the system 10.
[0052]
As illustrated in FIG. 14, the recombination data includes a header record, a data record, a trailer record, and an end record. The configuration described below shown in FIG. 14 constitutes one preferred embodiment of a reorganization data format that can be used in a reorganization-compatible fund management system according to the present invention.
[0053]
The header record includes data classification, type code, creation date, account date (self), account date (to), parent company's transaction bank number, bank name, branch number, branch name, deposit type, account number And the item of account name is set. In the type code, “09” indicating that the data is recombination data is input. In this example, since the same date (January 20, 2003) is entered in the account date (self) and account date (to), all the following data records occurred on the above date It relates to reorganization projects. In this case, since the reorganization case is bundled with the account date (self), the account date (to) and the bank account of the parent company, different payment cases to different customers of different payment requesting subsidiaries are mixed together. Needless to say.
[0054]
One data record is created for each reorganization item. For example, in the example shown in FIG. 14, since there are three reorganization cases, three data records are created. The data record includes data classification, payment request subsidiary code (for bank communication), payment request subsidiary name (for bank communication), payment date, reorganization date, reorganization date, reference number (banks A, B, C) Are arbitrarily set), payee bank number, bank name, branch number, branch name, deposit type, account number, account name, payment amount and error code are set. In this example, “11” indicating a mismatch of account names is input to the error code as the cause of reorganization. In the trailer record, items of data classification, total number of reorganizations and total amount of reorganization are set. Only data classification items are set in the end record.
[0055]
The system 10 receives this reassembly data and records the contents in the reassembly table (particularly the portion shown in FIG. 6) shown in FIGS. However, as described above, the reorganization data in FIG. 14 includes the items of the payment request subsidiary code and the payment request subsidiary name for bank communication, but the payment request subsidiary ID item, the payment request ID item, and the transaction There is no item of destination ID (payee company ID). These items (symbols a, b, and c in FIG. 6) are sequentially added in the process in which the system 10 specifies which payment item of which subsidiary is reorganized as described below. Automatically record in the reorganization table.
[0056]
  That is, the system 10 collates the content (combination data) recorded in the reorganization table of FIG. 6 with the content (payment request data) recorded in the payment request table of FIG. 5 and is included in both data.Payment request company informationThat is, based on the payment requesting subsidiary information, it is specified which reorganization is related to which payment item of which subsidiary (step S22 in FIG. 13).
[0057]
  Specifically, first, in the recombination data of FIG.Payment request company information3 includes a payment request subsidiary code (symbol number) and a payment request subsidiary name (symbol key), so that the company master in FIG. 3 is searched to identify the company master ID (symbol number). Next, the payment request table in FIG. 5 is searched with this company master ID, and the payment request table ID (symbol A) is specified. However, in this example, there are three corresponding payment request table IDs (SI501, SI502, SI503), and it cannot be narrowed down to one. In other words, there are multiple payments for the specified subsidiary. Therefore, the system 10Payment request company informationIn addition to the above, the additional information (payee information, payment amount information, payment date information, etc.) included in both the reorganization data and the payment request data is used as a base, and reorganization is included in multiple payment cases. Which payment item is associated with is identified (step S23 in FIG. 13).
[0058]
Specifically, the payback information includes the payee bank number (code number), the payee bank name (code number), etc. in the reorganization data of FIG. The destination master is searched and the supplier master ID (symbol c) is specified. Next, the payment request table in FIG. 5 is searched with this supplier master ID, and the payment request table ID (symbol A) is specified. If it still cannot be narrowed down to one, it is further narrowed down to one by payment amount (symbol D), payment date (symbol O), and the like.
[0059]
  Thus, both payment request data and reorganization dataPayment request company(Payment request subsidiary) Information (f), (ki), (a) is included, so if you combine these reorganization data and payment request data, bothPayment request company informationBased on (f), (ki), and (a), it is surely specified from among multiple payment requesting subsidiaries and multiple payment cases that this reorganization relates to which payment item of which subsidiary. It becomes possible to do.
[0060]
In addition, the fund management system 10 automatically performs operations such as acquisition of the reorganization data, matching of the reorganization data and the payment request data, and identification of a subsidiary or payment item without bothering human hands. This reduces the burden on the cash center staff and improves the time series and accuracy of the series of operations that should be performed when recombination occurs.
[0061]
In addition, each of the payment request data and the reorganization data includes at least one of payee information (ku), (ke), (c), payment amount information (d), and payment date information (v). Therefore, if these reorganization data and payment request data are matched, based on both additional information, even if there are multiple payment cases for the specified subsidiary, It is possible to reliably identify which of these payment items is related.
[0062]
Next, with reference to the business flow shown in FIG. 8 and the flowchart shown in FIG. 15 as well, reorganization processing by the reorganization corresponding fund management system 10 and the system program according to the present embodiment, A series of other operations to be performed after identifying which payment item of the group company belongs to will be described.
[0063]
First, when the funds management system 10 identifies which payment item of which subsidiary the reorganization relates to, the fund management system 10 automatically notifies the identified payment requesting subsidiary by e-mail that the reorganization has occurred. (Sign g in FIG. 8 and step S31 in FIG. 15). At this time, “1” is recorded in the mail notification flag column of the reorganization table of FIG. At that time, the fund management system 10 transmits recombination data related to the payment requesting subsidiary. Then, the reorganization occurrence screen illustrated in FIG. 16 is displayed on the terminal of the payment request subsidiary. When the person in charge of the subsidiary clicks the forward button 53, a reorganization list screen as illustrated in FIG. 17 is displayed. The processing method column of the reorganization list screen indicates whether or not the processing method of the payment item in which the reorganization has occurred has been selected, and the final processing date / time column indicates the selected processing method. The processing date (including the schedule) is shown.
[0064]
When the person in charge of the subsidiary checks the selection box on this reorganization list screen and clicks the detail button 54, detailed information on the checked reorganization item is displayed on the screen (reference symbol h in FIG. 8). FIG. 18 shows a preferred specific example of the reorganization detail screen displayed on the subsidiary terminal. At the center of the reassembly details screen, the current status of each item (ie, the state when reassembly occurs) is displayed vertically, and a correction field is provided on the side.
[0065]
For example, the person in charge of the subsidiary (the corrector shown in FIG. 7) inputs the correct account name in the correction field because the error content does not match the account name in this example. Here, “Zet” is corrected to “Zee” in the account name of payee bank Z. The person in charge of the subsidiary sets the next new payment date because the regular payment date has been completed. Here, February 20, 2003 after January is designated as the new payment date. The person in charge of the subsidiary also selects the processing method by pulling down. When the person in charge clicks on the correction completion button 55 (symbol i in FIG. 8), the system 10 is registered in the supplier master in FIG. 4 with the corrected information (name of account of the payee bank Z). The basic information is updated (step S32 in FIG. 15).
[0066]
When the person in charge of the subsidiary clicks the processing method selection completion button 56 (reference symbol j in FIG. 8), the system 10 reprocesses this payment item based on the corrected information (step S33 in FIG. 15). . This reprocessing starts from, for example, re-recording of payment request data in the payment request table of FIG. 5 or re-creation of payment agent data of FIG. 12 depending on the situation. However, as indicated by the symbol k in FIG. 8, the system 10 returns and settles the lending relationship with the payment requesting subsidiary once performed before reprocessing. As described above, the new code in the payment proxy data in FIG. 12 is changed to “2” indicating reprocessing.
[0067]
On the other hand, when the person in charge of the subsidiary selects another transfer at the subsidiary, the subsidiary does not rely on this information and communication network 30 and goes to the bank (bank Z in the example of FIG. 18) for example. Then, transfer is made at a bank ATM or bank counter (reference numeral m in FIG. 8). In this case, there is no liquidation of the loan relationship with the cash center. On the other hand, when the person in charge of the subsidiary selects another transfer at the parent company (cash center), the parent company does not rely on this information communication network 30 and goes to the bank itself, for example, to go to the bank ATM or bank Transfer is performed at the counter (reference n in FIG. 8). In this case, since the loan from the cash center to the payment requesting subsidiary increases by the amount of the current payment, the lending relationship is cleared (symbol o in FIG. 8).
[0068]
The cash center can continue to monitor this reorganization incident (reference symbol z in FIG. 8). FIG. 19 shows a preferred specific example of the reorganization generation screen displayed on the terminal of the cash center system 10. When the person in charge at the cash center clicks the forward button 57, a list screen as illustrated in FIG. 20 is displayed, and the response status of each recombination case is known. If there is an unprocessed reorganization case, the cash center staff can promptly respond to the subsidiary staff by email or direct phone call. The cash center staff only receives and tracks post-processing and post-processing reports for re-combination performed by the subsidiary automatically identified by the system 10 without any trouble even if re-combination occurs. The burden is extremely light.
[0069]
In this way, the specified payment request subsidiary is notified of the fact that the reorganization has occurred, the method for processing the specified payment item, the correction of the error information that caused the reorganization, and the payment based on the corrected information A series of other response operations that should be performed after the identification of a subsidiary or payment item, such as reprocessing the case and reflecting the corrected information to the master, is automatically performed by the fund management system 10 without any human intervention. Therefore, this also reduces the burden on the person in charge of the cash center, and improves the work at the time of recombination in terms of time and accuracy.
[0070]
The format shown as “combination deposit specification” in FIGS. 21 to 24 is another preferred specific example of the recombination data format (that is, the second embodiment of the recombination data format according to claim 12). Is). Also in this example, as in the configuration of FIG. 14, the reorganization data format includes a header record, a data record, a trailer record, and an end record. Data records are repeatedly created for the number of reorganization cases. In the digit number column, “N” indicates a number, “C” indicates that a character is input, and the number in parentheses indicates the number of digits (number of characters).
[0071]
Compared with the configuration of FIG. 14, the column “3. Code classification” is provided in the header record of FIG. This represents a data use code classification, where “0” indicates a JIS code and “1” indicates an EBCDIC code.
[0072]
In the data record of FIG. 22, a column “2. Transfer source type code” is provided. Here, “11” indicates a salary transfer, “12” indicates a bonus transfer, and “21” indicates other total transfers. Further, “18. New code” is substantially the same as “New code” in the data record of the payment proxy data illustrated in FIG. Furthermore, columns of “19. Customer code 1” and “20. Customer code 2” are provided. This is a column for inputting a customer code for recipient identification determined by the user. Further, a column “21. Transfer designation classification” is provided. Here, “7” or blank (space) indicates that it is handled as telegraph. A column “22. Identification display” is also provided. When this is “Y”, “19. Customer code 1” and “20. Customer code 2” are treated as continuous EDI information.
[0073]
  As described above, the recombination data format illustrated in FIGS.Payment request company information(For example, “3. Transfer source company code (transfer requester code)”, “4. Transfer source company name”, etc. in the data record of FIG. 22) etc. It can be suitably used for the corresponding fund management system 10.
[0074]
【The invention's effect】
As described above in detail with specific examples, the present invention is a fund management system in which a plurality of payment matters of a group affiliated company are collectively processed on behalf of a payment requesting subsidiary when a reorganization occurs. Identification, payment item identification, notification that reorganization has occurred for the specified payment request subsidiary, error information correction for the identified payment request subsidiary, and selection of payment item processing method, etc. Since the above money management system automatically performs a series of tasks that should be handled without human intervention, the burden on the system staff is reduced, the time required for the work is reduced, and the accuracy of the work is improved. Improvements are made. The present invention is expected to have wide industrial applicability in the technical field of a fund management system using an information communication network.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a preferred specific example of the surrounding environment surrounding a reorganization fund management system according to an embodiment of the present invention.
FIG. 2 is an explanatory diagram of recorded contents of a recording device provided in a computer constituting the money management system.
FIG. 3 is an explanatory diagram of a subsidiary master recorded in a data recording unit of the recording apparatus.
FIG. 4 is also an explanatory diagram of a supplier master.
FIG. 5 is an explanatory diagram of a payment request table.
FIG. 6 is an explanatory diagram of a first half portion of the reassembly table.
FIG. 7 is an explanatory diagram of the latter half part.
FIG. 8 is a business flow diagram of payment proxy processing and reorganization processing by the money management system.
FIG. 9 is a flowchart of payment proxy processing by the fund management system.
FIG. 10 is an explanatory diagram of a payment request screen displayed on a terminal of a subsidiary of a company group.
FIG. 11 is an explanatory diagram of a payment instruction screen displayed on a cash center terminal.
FIG. 12 is a structural diagram of payment agent data transmitted from the money management system to a transaction bank.
FIG. 13 is a flowchart of the first half of the reorganization processing by the money management system (identification of payment requesting subsidiary and payment item).
FIG. 14 is a structural diagram of recombination data transmitted from a bank to the fund management system.
FIG. 15 is a flowchart of the second half of reorganization processing by the above-mentioned money management system (notification of reorganization to specified payment requesting subsidiary, correction of error information, selection of processing method, reflection on master, etc.).
FIG. 16 is an explanatory diagram of a reorganization occurrence notification screen displayed on a terminal of a specified payment request subsidiary.
FIG. 17 is an explanatory diagram of a reorganization list screen displayed on the terminal of the specified payment request subsidiary, which is displayed when “Forward” is clicked on the screen of FIG. 16;
18 is an explanatory diagram of a reorganization detail screen that is displayed when the “details” button is clicked on the screen of FIG.
FIG. 19 is an explanatory diagram of a reorganization case monitoring screen displayed on the system terminal of the cash center.
FIG. 20 is an explanatory diagram of a reorganization case monitoring screen that is displayed on the system terminal of the cache center, which is displayed when “forward” is clicked on the screen of FIG. 19;
FIG. 21 is a structural diagram of a reorganization data format (combination payment details) according to the second embodiment, and is a header record part;
FIG. 22 is a structural diagram of the recombination data format, which is a data record portion.
FIG. 23 is a structural diagram of the recombination data format, which is a trailer record part.
FIG. 24 is a structural diagram of the same recombination data format and is an end record portion.
[Explanation of symbols]
10 Cash management system for reorganization
20 Corporate Group Network
30 Information communication network
40 Zengin Data Communication Network
a Parent company
a1, a2 ... Subsidiary

Claims (5)

Reorganization that is provided in the cash center of a corporate group, manages the funds of the group's affiliated companies collectively, and is connected to the group's financial institution through a communication network, acting on behalf of the group's affiliated companies for payment to companies outside the group A corresponding cash management system,
Payment request data recording means in which payment request data including payment request company information, payment destination information, payment amount information and payment date information related to payment requests from group affiliated companies is recorded for each payment matter;
Payment request company information, payment destination information, payment amount information, and payment date information are paid by extracting payment request data that matches a predetermined condition from a plurality of payment request data recorded in the payment request data recording means. Payment agency data creation means for creating payment agency data to be included for each case,
Payment agency data transmission means for transmitting the payment agency data created by the payment agency data creation means to the transaction financial institution via the communication network;
A first clearing means for clearing a lending relationship between the payment requesting company and the cash center when the payment proxy data is transmitted to the transaction financial institution by the transmission means;
Retrieval data acquisition for acquiring reimbursement data including payment request company information, payee information, payment amount information and payment date information regarding reimbursement transmitted from the transaction financial institution via the communication network for the payment agent data Means,
Payment request company information included in the return data acquired by the return data acquisition means, or the payment request company information and the payment destination information, payment amount information, and payment date information included in the return data Identifying which payment item of which group affiliated company relates to which reorganization by searching a plurality of payment request data recorded in the payment request data recording means with at least one piece of information Means,
A second clearing means for liquidating again the lending relationship liquidated by the first clearing means when the payment item is specified by the specifying means;
Correct the error information that caused the reorganization on the computer of the group affiliated company identified by the above identification means, and reprocess it as a method of processing the reimbursed payment item, or by the payment requesting company or cash center Screen transmission means for transmitting a screen for selecting one of the transfer via a communication network in the group;
When reprocessing is selected on the screen and when transfer by a cash center is selected, a third clearing means for clearing a lending relationship between the payment requesting company and the cash center is provided. A reorganization-compatible fund management system. Payee information recording means for recording payee information included in payment agency data for each company outside the group;
When the payee information is corrected on the screen transmitted by the screen transmission means, the payee information update means for updating the payee information recorded in the payee information recording means with the corrected information; The fund management system for reorganization corresponding to claim 1, comprising: Reorganization that is provided in the cash center of a corporate group, manages the funds of the group's affiliated companies collectively, and is connected to the group's financial institution through a communication network, acting on behalf of the group's affiliated companies for payment to companies outside the group A program for a corresponding cash management system,
Payment request data recording means in which payment request data including payment request company information, payment destination information, payment amount information and payment date information related to payment requests from group affiliated companies is recorded for each payment case,
Payment request company information, payment destination information, payment amount information, and payment date information are paid by extracting payment request data that matches a predetermined condition from a plurality of payment request data recorded in the payment request data recording means. Payment agency data creation means to create payment agency data included for each case,
Payment agency data transmission means for transmitting the payment agency data created by the payment agency data creation means to the transaction financial institution via the communication network;
A first clearing means for clearing a lending relationship between the payment requesting company and the cash center when the payment agent data is transmitted to the transaction financial institution by the transmission means;
Retrieval data acquisition for acquiring reimbursement data including payment request company information, payee information, payment amount information and payment date information regarding reimbursement transmitted from the transaction financial institution via the communication network for the payment agent data means,
Payment request company information included in the return data acquired by the return data acquisition means, or the payment request company information and the payment destination information, payment amount information, and payment date information included in the return data Identifying which payment item of which group affiliated company relates to which reorganization by searching a plurality of payment request data recorded in the payment request data recording means with at least one piece of information means,
A second clearing means for clearing again the lending relationship liquidated by the first clearing means when the payment item is specified by the specifying means;
Correct the error information that caused the reorganization on the computer of the group affiliated company identified by the above identification means, and reprocess it as a method of processing the reimbursed payment item, or by the payment requesting company or cash center Screen transmission means for transmitting a screen for selecting one of the transfer via a communication network in the group; and
When reprocessing is selected on the screen and when transfer by a cash center is selected, it functions as a third clearing means for clearing a lending relationship between the payment requesting company and the cash center. Program for fund management system for reorganization. When the payee information is recorded on the screen transmitted by the screen transmission means and the payee information recording means in which the payee information included in the payment agent data for each company outside the group is recorded, 4. The program for restructuring fund management system according to claim 3, wherein the program is made to function as a payee information update means for updating payee information recorded in the payee information recording means with the corrected information. A computer-readable recording medium in which the program for fund management system for reorganization according to claim 3 or 4 is recorded.

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