JP6726462B2 - Dividend payment management system and dividend payment management method - Google Patents

Description

This invention is a dividend payment management in which a financial institution, which is a shareholder register administrator who manages a shareholder register and pays dividends, judges whether or not to pay dividends based on a dividend receipt issued by the company. The present invention relates to a system and a dividend payment management method.

Conventionally, when a company pays a dividend to a shareholder, a certificate called a “dividend receipt” is issued to the shareholder, which awards the shareholder's concrete right to claim the dividend. The shareholders will bring the dividend receipt received from the company to a designated financial institution entrusted by the company and receive cash in exchange for the dividend receipt. Many companies have designated Japan Post Bank as such designated financial institution.

In this way, the dividend receipt is brought by the shareholder to the designated financial institution, but the shareholder may indicate that the “designated financial institution can receive the dividend receipt (refer to If the dividend receipt is brought to the designated financial institution after the lapse of "the period"), the designated financial institution will not accept the dividend receipt. However, for a certain period after the handling period of the dividend receipt (the exclusion period described later), the shareholders pay the dividend by bringing the dividend receipt to the financial institution that is the shareholder register administrator. Can receive.

Here, the designated financial institution and the financial institution that is the shareholder register administrator, for example, suffer damage if they pay cash in exchange for the forged dividend receipt, so the dividend receipt is genuine. After determining whether or not it is one, cash is paid in exchange for the dividend receipt.

However, since the format of dividend receipts is not uniform in all companies, it is difficult for a person to visually judge whether or not it is authentic. For this reason, there is known a technique for determining whether or not a certificate having various formats such as a dividend receipt is authentic. For example, in Patent Document 1, it is determined whether or not a stock certificate having various formats, like a dividend receipt, is authentic, by reading the identification information printed on the stock certificate by OCR or the like and checking the identification information. A technique is disclosed which is based on checking whether or not there is a history of occurrence of an accident such as theft of a digit or read identification information.

Patent No. 4433596

However, when a designated financial institution and a financial institution that is a shareholder registry administrator judge whether payment is possible based on the dividend receipt, it is not enough to judge whether or not it is a genuine dividend receipt. , Whether or not payment is possible based on the dividend receipt must be determined in consideration of the handling period and exclusion period.

Explaining this in detail with reference to FIG. 12, the designated financial institution can handle the dividend receipt during the handling period (from the handling start date to the last handling period day) described in the dividend receipt. However, dividend receipts cannot be handled during other periods. In addition, a financial institution that is a shareholder registry administrator can handle dividend receipts during the exclusion period after the handling period and the payment period after the exclusion period until the final payment date after the exclusion period. Dividend receipts cannot be handled during periods other than.

However, although the exclusion period is written on the back of the dividend receipt, the final payment date set for each company is not usually written on the dividend receipt. For this reason, in particular, a financial institution, which is a shareholder register administrator, must determine whether or not to pay the dividend by examining the final payment date set by the company when the exclusion period has passed.

Also, since designated financial institutions and shareholder register managers differ depending on the company, a financial institution that has received a dividend receipt must confirm whether it is the designated financial institution or shareholder register administrator for the dividend receipt received by itself. Whether or not the dividend can be paid must be judged.

Here, the designated financial institution is listed on the back of the dividend receipt, but the shareholder register administrator is often listed in the text on the back of the dividend receipt, so the shareholder register For the financial institution that is the manager, it cannot be determined unless the person in charge of the financial institution reads the text on the back of the dividend receipt.

In this way, financial institutions, especially shareholder registry managers, need to read the text on the reverse side of the dividend receipt in order to determine whether or not to pay the dividend based on the dividend receipt. However, depending on the case, it is necessary to check the contents that are not described in the dividend receipt, so there is a problem that it is not possible to efficiently determine whether or not the dividend can be paid.

From these things, when a financial institution that is a shareholder registry administrator receives a dividend payment request from a customer in exchange for a dividend receipt, how efficiently and appropriately determines whether or not the dividend can be paid Is an important issue.

The present invention has been made in order to solve the above-mentioned problems of the prior art, and in the case where a financial institution that is a shareholder registry administrator receives a dividend payment request from a customer in exchange for a dividend receipt. An object of the present invention is to provide a dividend payment management system and a dividend payment management method capable of efficiently and appropriately determining whether or not a dividend can be paid.

In order to solve the above-mentioned problems and achieve the object, the present invention accepts the dividend receipt by the designated financial institution in association with the receipt identification information for identifying the dividend receipt for which the dividend is not paid. From the dividend payment receipt received from the customer, and the unpaid data storage means for storing the available handling period and the payment end date indicating the final date of the payable period after the exclusion period after the handling period. securities agency code of securities agency is a stock registry administrator to handle the dividend receipt, company code indicating the company that issued the dividend receipt, pay in exchange for a receipt identification information and the dividend receipt of the dividend receipt Reading means for reading a receipt number including information on dividend amount, and the handling period and the final payment date corresponding to the receipt identification information included in the receipt number read from the dividend receipt by the reading means by the unpaid data. The read means for reading from the storage means and the handling date of the dividend receipt are after the lapse of the handling period read from the unpaid data storage means by the read means, and the unpaid by the read means. A determination means for determining whether or not the dividend can be paid to the dividend receipt by the securities agency, based on whether or not the final payment date read from the data storage means has elapsed. Characterize.

Further, in the present invention according to the above-mentioned invention, the determining means determines that the handling date of the dividend receipt is within the handling period corresponding to the receipt identification information read from the unpaid data storage means by the reading means. In one case, it is characterized in that it is determined that the payment of the dividend with respect to the dividend receipt by the securities agency is not possible.

Further, in the present invention according to the above-mentioned invention, the determination means determines that the date of handling the dividend receipt is the final payment date corresponding to the receipt identification information read from the unpaid data storage means by the reading means. If it is after the lapse of time, it is characterized that it is determined that the payment of the dividend on the receipt of the dividend by the securities agency cannot be performed.

Further, the present invention according to the above-mentioned invention, further comprises payment stop data storage means for storing a company code of a company that has stopped paying the dividend, and the determining means reads the dividend receipt by the reading means. The payment stop data storage means is searched based on the company code included in the read receipt number, and when the company code is stored in the payment stop data storage means, the dividend payment for the dividend receipt is calculated . It is characterized by determining that payment is not possible.

Further, the present invention is a dividend payment management method in a dividend payment management system in which a sales office terminal and a server device are communicatively connected to each other, wherein the server device does not pay the dividend. Corresponding to the receipt identification information that identifies the receipt, the final payment period that indicates the handling period during which the designated financial institution can accept the dividend receipt and the last day of the payable period after the exclusion period after the handling period. a storage step of storing and day to accrued data storage unit, the office terminal is, dividend receipts, securities agency code of securities agency is a stock registry administrator to deal with the dividend receipt received from the customer, step reading company codes indicating companies which issued the dividend receipt reads the receipt number, including information of the receipt identification information and dividend amount to pay in exchange for the dividend receipt of the dividend receipt, transmitting to the server device And a reading step in which the server device reads from the unpaid data storage unit the handling period and the last payment date corresponding to receipt identification information included in the receipt number received from the sales office terminal, and the server device. However, the handling date of the dividend receipt is after the handling period read from the unpaid data storage unit in the reading step, and is read from the unpaid data storage unit in the reading step. A decision step of deciding whether or not the dividend can be paid to the receipt of the dividend by the securities agency, based on whether or not the final day of payment has passed.

According to the present invention, in the financial institutions that are shareholders registry administrator, it is possible to determine the payment possibility of efficiently and properly dividends in the case that has received the payment request of the dividend in exchange for dividends receipt from the customer it can.

FIG. 1 is a diagram for explaining an outline of a process performed by a financial institution, which is a shareholder register administrator, according to the present invention to determine whether or not a dividend can be paid in exchange for the brought-in dividend receipt. FIG. 2 is a diagram showing a system configuration of the dividend payment management system according to the present embodiment. FIG. 3 is a diagram for explaining the print contents on the front surface of the dividend receipt according to the present embodiment. FIG. 4 is a block diagram showing a functional internal configuration of the branch office terminal shown in FIG. 2 according to the present embodiment. FIG. 5 is a diagram showing a data configuration according to the present embodiment of the sales office terminal shown in FIG. FIG. 6 is a block diagram showing a functional internal configuration of the center server shown in FIG. 2 according to the present embodiment. FIG. 7 is a diagram showing a data configuration of the center server shown in FIG. 6 according to the present embodiment. FIG. 8 is a diagram showing a configuration of a screen displayed at the time of a process of determining whether or not a dividend can be paid with respect to the dividend receipt according to the present embodiment of the branch terminal shown in FIG. FIG. 9 is a diagram showing the print contents of the acceptance result slip that is output by the process of determining whether or not to pay the dividend with respect to the dividend receipt according to the present embodiment of the branch terminal shown in FIG. FIG. 10 is a flowchart showing a processing procedure of a process of determining whether or not a dividend can be paid with respect to the dividend receipt according to the present embodiment of the sales office terminal shown in FIG. FIG. 11 is a diagram showing the print contents of the summary table output from the sales office terminal shown in FIG. FIG. 12 is a diagram for explaining the period during which the designated financial institution and the shareholder register administrator can pay the dividend corresponding to the dividend receipt.

Hereinafter, preferred embodiments of a dividend payment management system and a dividend payment management method according to the present invention will be described in detail with reference to the accompanying drawings.

First, an outline of a process for determining whether or not a dividend can be paid in exchange for a dividend receipt brought in performed by a financial institution which is a shareholder registry administrator according to the present invention will be described with reference to FIG.

As shown on the left side of FIG. 1, many dividend receipts are printed with a 30-digit receipt number. This receipt number is a securities agency code indicating the shareholder register manager who handles the dividend receipt, a company code indicating the company that issued the dividend receipt, receipt identification information identifying the dividend receipt, and the dividend receipt. And information such as the dividend amount paid in exchange.

Further, the dividend payment management system according to the present embodiment has unpaid master data 14a and payment stop data 14b as shown on the right side of FIG. The unpaid master data 14a is associated with the receipt number of the dividend receipt for which the dividend has not been paid, and is associated with the handling period in which the designated financial institution entrusted by the company for the dividend receipt pays the dividend. It stores the start date and the final date, and the final payment date when the stock transfer agent, which is the shareholder registry administrator, makes payment after the handling period ends. In addition, the payment suspension data 14b is registered with the information of the company code of the company whose payment of the dividend is suspended.

The flowchart shown in FIG. 1 is a sales office terminal installed in a sales office of a stock transfer agent, which is a shareholder registry administrator, and uses a dividend receipt, unpaid master data 14a, and payment suspension data 14b received from a customer. The processing procedure of the determination processing as to whether or not the payment of the dividend on the received dividend receipt is permitted is shown.

First, the sales office terminal reads the receipt number printed on the received dividend receipt by OCR or the like. Next, based on the securities agency agency code included in the receipt number read from the dividend receipt, it is checked whether or not the dividend receipt can be handled by the bank. Further, the unpaid master data 14a is searched based on the receipt number and it is checked whether or not the dividend for the received dividend receipt is unpaid depending on whether or not there is a corresponding record. If the record corresponding to the receipt number exists, it is determined that the payment has not been made, but if the record corresponding to the receipt number does not exist, the payment has been made and it is determined that the payment cannot be made.

Next, the payment suspension data 14b is searched based on the company code included in the receipt number to check whether the payment of the dividend is suspended. Further, when the record corresponding to the receipt number read from the dividend receipt is present in the unpaid master data 14a, the handling period for the receipt number is acquired from the unpaid master data 14a, and today is within the handling period. In some cases, it is determined that the dividend payment on the dividend receipt cannot be paid.

Finally, if it is determined that the dividend cannot be paid by the checks up to that point, the unpaid master data 14a is set as the final payment date indicating the exclusion period for the receipt number and the final payment period after the exclusion period. If the current date is past the handling period and before the final payment date, it is determined that the dividend can be paid on the dividend receipt.

As described above, in the dividend payment management system according to the present embodiment, the handling period that cannot be handled and the handling period that can be handled by the user in association with the receipt number of the dividend receipt for which the dividend is not paid. And the payment stop data 14b that stores a list of company codes that include the company code in the receipt number and that stop paying dividends on the dividend receipt. When the gold receipt is received, the receipt number is read from the received dividend receipt, and whether the dividend can be paid to the dividend receipt based on the receipt number, the unpaid master data 14a, and the payment suspension data 14b. Therefore, when a financial institution that is a shareholder registry administrator receives a dividend payment request from a customer in exchange for a dividend receipt, it is possible to efficiently and appropriately determine whether or not the dividend can be paid. You can

Next, the system configuration of the dividend payment management system according to the present embodiment will be described with reference to FIG. As shown in FIG. 2, in the dividend payment management system, a center server 10 and a center terminal 20 are arranged in a data center. The center server 10 is connected to the center terminal 20 through a LAN (Local Area Network), an intranet, or the like. Is connected to the business office terminals 30 arranged in a plurality of business offices.

Further, the center server 10 is connected to a dividend management joint system that manages the issue status of the dividend receipt and the payment status of the dividend with respect to the issued dividend receipt, and corresponds to the unpaid master data 14a shown in FIG. Acquire information from the dividend management joint system. The center terminal 20 accepts input of information related to suspension of payment for the issued dividend receipt and registers it in the suspension of payment data 14b of the center server 10 or inquires about various information registered in the center server 10. It is a terminal.

A scanner 33 for acquiring an image of the dividend receipt brought into the sales office is connected to the sales office terminal 30. The branch terminal 30 acquires the image of the dividend receipt obtained by the scanner 33, and reads the receipt number printed on the dividend receipt based on the obtained image. Further, the branch office terminal 30 transmits an unpaid master search request including the receipt number read from the dividend receipt to the center server 10. When the center server 10 receives the unpaid master search request, the center server 10 searches the unpaid master data 14a with the receipt number included in the unpaid master search request, and returns the search result to the sales office terminal 30. When the branch terminal 30 receives the search result for the unpaid master search request from the center server 10, the branch terminal 30 determines whether or not to pay the dividend on the dividend receipt according to the received search result. The details of the determination process will be described later.

Further, the branch office terminal 30 transmits to the center server 10 a payment suspension data search request including the company code specified from the receipt number read from the dividend receipt. When the center server 10 receives the payment stop data search request, the center server 10 searches the payment stop data 14b with the company code included in the payment stop data search request, and returns the search result to the sales office terminal 30. When the branch terminal 30 receives the search result for the payment suspension data search request from the center server 10, the branch terminal 30 determines whether or not the dividend can be paid for the dividend receipt according to the received search result. The details of the determination process will be described later.

Next, the printed contents on the surface of the dividend receipt according to the present embodiment will be described with reference to FIG. FIG. 3 shows an example of a print image of a typical dividend receipt that is handled by this system. Most dividend receipts are similar to the dividend receipt shown in Fig. 3, but the printing format is not determined in detail, so even if the same elements are used, the position, size, color, etc. It is different for each accounting period.

At the top of the dividend receipt, the fiscal year of the dividend receipt and the type of dividend (year-end dividend, interim dividend, etc.) are printed. Further, the stock code of the stock corresponding to the dividend receipt is printed on the upper right side. Further, the portion surrounded by the dotted rectangle is the receipt number, which is printed at the position shown in FIG. Although the receipt number of the dividend receipt shown in FIG. 3 is 30 digits, it is 28 digits in the old system. However, although the number has increased by two digits, the 28-digit receipt number used in the old system can be converted into a 30-digit receipt number.

Below the receipt number, the subscriber account number indicating the shareholder identification information is arranged. Further, below the subscriber account number, the name and address of the shareholder corresponding to the subscriber account number are printed. On the right side of the receipt number, the payment amount paid in exchange for the dividend receipt is printed. Further, below the payment amount, a handling period in which the dividend is paid out at a designated financial institution entrusted by the company that issued the dividend receipt is printed.

On the right side of the payment amount, the number of shares held by the shareholder, the dividend per share, the income tax rate, and the resident tax rate, which are the basis for calculating the payment amount, are printed. Further, the lower right area of the dividend receipt is an area as a receipt, and is provided with a receipt date entry column and a column for stamping the receipt stamp of the shareholder. When receiving the dividend, the shareholders can receive the payment of the dividend by imprinting it on the area of the receipt stamp and presenting it to a predetermined financial institution. Information such as a logo indicating the designated financial institution is printed on the right side of the receipt stamp column.

In this embodiment, an image of the surface of the dividend receipt is acquired, and the receipt number is read from the acquired image by OCR or the like. Other information such as payment amount, handling period, stock code and subscriber account number will not be obtained from the image.

Next, a functional internal configuration of the sales office terminal 30 shown in FIG. 2 according to the present embodiment will be described. FIG. 4 is a block diagram showing a functional internal configuration of the branch office terminal 30 according to the present embodiment.

As shown in FIG. 4, the branch terminal 30 has a display unit 31 such as a liquid crystal display for displaying an input screen and a processing result, an operation unit 32 such as a keyboard and a mouse, a scanner 33 for acquiring an image of a dividend receipt, and A printer 34 for outputting processing results and the like is connected. Further, the branch office terminal 30 has a communication unit 35, a storage unit 36, and a control unit 37. The communication unit 35 is an interface unit for performing data communication with the center server 10.

The storage unit 36 is a storage device such as a hard disk device or a non-volatile memory, and has check result data 36a and receipt image data 36b. The check result data 36a is the result of determining whether or not the dividend can be paid for each received dividend receipt. If the series of determination processing relating to the dividend receipt brought in for each customer is completed, the check result data 36a is displayed in the center server 10. It is sent and initialized. The receipt image data 36b is data in which images of dividend receipts acquired by the scanner 33 are accumulated. The image is deleted at a predetermined timing (for example, when the system first starts up on the day).

The control unit 37 is a control unit that controls the entire sales office terminal 30, and includes a receipt check processing unit 37a, a check result printing unit 37b, an aggregation processing unit 37c, and an inquiry processing unit 37d. Actually, programs corresponding to these functional units are stored in a ROM or a non-volatile memory (not shown), and these programs are loaded into a CPU (Central Processing Unit) and executed to execute processes corresponding to the respective programs. Will be executed.

The receipt check processing unit 37a determines whether or not to pay the dividend with respect to the received dividend receipt, and registers the determination result in the check result data 36a. When a plurality of dividend receipts are received, the receipt check processing unit 37a acquires images of all the received dividend receipts, and pays dividends based on the acquired images of the respective dividend receipts. Whether or not it is possible is judged, and the judgment result is registered in the check result data 36a. Detailed processing contents will be described later.

The check result printing unit 37b outputs to the printer 34 the contents of the check result data 36a, which is the determination result of whether or not to pay the dividend with respect to the dividend receipt received by the receipt check processing unit 37a. Further, the check result printing unit 37b initializes the check result data 36a when the contents of the check result data 36a are output to the printer 34. Detailed output contents will be described later.

When the tallying processing unit 37c receives the tallying instruction operation from the operation unit 32 or the like, the tallying processing unit 37c transmits a tallying result acquisition request corresponding to the received tallying instruction operation to the center server 10 and displays the tallying result received in the response. Output to the display unit 31 or the printer 34.

When the inquiry processing unit 37d receives an inquiry instruction operation related to the determination processing result of the payment of the dividend on the dividend receipt from the operation unit 32 or the like, the inquiry processing unit 37d issues an inquiry request according to the received inquiry instruction operation. The inquiry result received by the response to the server 10 is output to the display unit 31 or the printer 34.

Next, the data structure of the branch office terminal 30 shown in FIG. 4 according to the present embodiment will be described with reference to FIG.

The check result data 36a is based on the date and time when the process of determining whether or not the dividend can be paid with respect to the received dividend receipt is performed, the operator ID of the person who performed the operation, the store number, and the received dividend receipt. The case number, which is a serial number for each processing date for the dividend payment request, the number of dividend receipts received from the customer, of which the number of dividend receipts determined to be payable, and the dividend It includes the total amount of dividends corresponding to the dividend receipt that is determined to be payable, and information related to the determination for each received dividend receipt. The information related to the determination for each dividend receipt received includes the processing sequence number uniquely assigned to each dividend receipt within the same receipt number, and the receipt number data corresponding to the receipt number read from the dividend receipt. It includes a determination result of whether or not the dividend can be paid, and information on whether or not it is necessary to confirm the identity when it is determined that the dividend can be paid. Further, the receipt number data includes a securities agency code indicating the shareholder register administrator, the company code of the company that issued the dividend receipt, receipt identification information identifying the dividend receipt, the dividend amount, and a check digit. Including. The securities agency code is coded data, "0" indicates that it is an own agency, "1" is an agency that can handle the agency, and "2" is an agency that can handle the agency. In the securities agency B, "3" indicates that it is a securities agency C that cannot be handled by itself.

In the example of the check result data 36a in FIG. 5, the date when the determination processing of whether or not the dividend is payable with respect to the received dividend receipt is "2013/6/10", the time is "12:30:45", and the operation is performed. The person ID is "01015", the store number is "005", the case number is "0025", the number of dividend receipts accepted is "6", and the number of dividend receipts determined to be payable within Indicates that the total amount of dividends corresponding to the four dividend receipts is “5,200” yen. Further, in the case of the case number “0025”, the securities agency code for the dividend receipt with the processing serial number “0001” is “1”, and the agency is the securities agency A that can handle it by itself, the company code is “2345”, and the receipt is If the identification information is "67890...", the payout amount is "2,724" yen, the check digit is "0", the result of the payment of the dividend is "payable", and the identification is "unnecessary". It shows that there is.

The receipt image data 36b is data having record items of the date and time when the image of the corresponding dividend receipt is acquired, the corresponding case number and processing serial number, and the image data of the dividend receipt. An example of the receipt image data 36b shown in FIG. 5 is that of the dividend receipt corresponding to the case number “0001” and the processing number “0001” at the time “10:30:10” on the date “2013/6/10”. It indicates that the image data is registered.

Next, a functional internal configuration of the center server 10 shown in FIG. 2 according to the present embodiment will be described. FIG. 6 is a block diagram showing the functional internal configuration of the center server 10 according to this embodiment.

As shown in FIG. 6, a display unit 11 such as a liquid crystal display and an operation unit 12 such as a keyboard and a mouse are connected to the center server 10. Further, the center server 10 has a communication unit 13, a storage unit 14, and a control unit 15. The communication unit 13 is an interface unit for performing data communication with the center terminal 20 and the branch office terminal 30.

The storage unit 14 is a storage device such as a hard disk device or a non-volatile memory, and has unpaid master data 14a, payment suspension data 14b, and check result data 14c. The unpaid master data 14a stores data acquired from the dividend management joint system as described in FIG. 2, and is associated with the receipt number of the dividend receipt in which the dividend is not paid, The start date and end date of the handling period in which the designated financial institution entrusted by the company to pay the dividend receipt pays the dividend, and the final date when the stock transfer agent, the shareholder registry administrator, can make the payment after the handling period ends. The last payment date indicating the date is stored.

The payment suspension data 14b is data having a company code that has stopped payment of dividends registered by the center terminal 20 and information such as a payment suspension period associated with the company code. The check result data 14c is data in which the check result data 36a transmitted from the branch office terminal 30 is accumulated.

The control unit 15 is a control unit that controls the entire center server 10, and includes an unpaid master management unit 15a, a payment suspension data management unit 15b, and a check result data management unit 15c. In practice, the programs corresponding to these functional units are stored in a ROM or a non-volatile memory (not shown), and these programs are loaded into the CPU and executed to execute the processes corresponding to the respective programs. Become.

The unpaid master management unit 15a acquires information corresponding to the unpaid master data 14a from the dividend management shared system and updates the content of the unpaid master data 14a. Further, when the payment master management unit 15a receives an unpaid master search request including a receipt number from the branch office terminal 30, the payment master management unit 15a searches the unpaid master data 14a with the receipt number included in the unpaid master search request, and the search result. To the branch terminal 30.

The payment suspension data management unit 15b performs registration and update processing of the payment suspension data 14b based on the registration operation and the update operation from the center terminal 20. Further, when the payment suspension data management unit 15b receives the payment suspension data search request including the company code from the branch office terminal 30, the payment suspension data management unit 15b searches the payment suspension data 14b with the company code included in the payment suspension data search request, and the search result. To the branch terminal 30.

The check result data management unit 15c receives the check result data 36a transmitted from the branch office terminal 30 and registers it in the check result data 14c. In addition, when the check result data management unit 15c receives a count result acquisition request related to the check result data 14c from the sales office terminal 30, the check result data management unit 15c performs the check result data 14c calculation based on the received count result acquisition request. , And returns the totalized result to the requesting branch office terminal 30. In addition, when the check result data management unit 15c receives an inquiry request relating to the check result data 14c from the sales office terminal 30, the check result data management unit 15c returns an inquiry result corresponding to the received inquiry request to the requesting sales office terminal 30. ..

Next, the data structure of the center server 10 shown in FIG. 6 according to this embodiment will be described with reference to FIG.

The unpaid master data 14a is data in which the record holding item is the handling period and the final payment date associated with the receipt number of the dividend receipt. The receipt number of the dividend receipt includes the securities agency code indicating the shareholder register administrator, the company code of the company that issued the dividend receipt, the receipt identification information that identifies the dividend receipt, the dividend amount, and the check digit. (CD) and. The securities agency code is coded data and has the same code system as the securities agency code of the check result data 36a shown in FIG. The handling period includes the start date and the final date of the handling period.

In the example of the unpaid master data 14a of FIG. 7, the securities agency code is "1" and the securities agency A that can be handled by own bank, the company code is "2345", the receipt identification information is "67890... ", The payout amount is “2,724” yen, the check digit (CD) is associated with the receipt number “0”, the start date of the handling period is “2013/6/1”, and the final date is “2013/7”. “/31” indicates that a record indicating that the final payment date is “2016/7/31” is included.

The payment suspension data 14b is data having a payment suspension period associated with the company code as a record item. The payment suspension period includes the start date and the termination date of the payment suspension. The example of the payment suspension data 14b in FIG. 7 includes a record indicating that the payment of the dividend to the company code “7890” is in the payment suspension period from the start date “2013/5/10”. Represents.

The check result data 14c is data composed of a plurality of records with the check result data 36a of the sales office terminal 30 shown in FIG. 5 as one record. The example of the check result data 14c shown in FIG. 7 is an example showing a state in which the check result data 36a of the sales office terminal 30 shown in FIG. 5 is registered as one record of the check result data 14c.

Next, the configuration of the screen displayed at the time of the process of determining whether or not to pay the dividend with respect to the dividend receipt according to the present embodiment of the branch terminal 30 shown in FIG. 2 will be described with reference to FIG.

FIG. 8A is an example of a screen displayed on the display unit 31 when the dividend receipt is read by the scanner 33. FIG. 8B is an example of a screen for confirming the determination processing result, which is displayed after the determination of whether or not the dividend can be paid for all the dividend receipts received from the customer is completed. When a plurality of dividend receipts are received from the customer, the financial institution that has received the receipts determines whether or not the dividends can be paid for all the dividend receipts, and makes all the dividend receipts as shown in FIG. 8B. A summary of the processing result for the money receipt is output to the display unit 31.

As shown in FIG. 8A, when the dividend receipt is read by the scanner 33, an image display area for displaying the image of the dividend receipt read by the scanner 33 is provided in an area extending from the center of the screen to the left. To the right of the image display area, the transaction number assigned to the customer, the dividend receipt processing number for the displayed image, and whether or not the dividend can be paid for the displayed dividend receipt The judgment result is displayed. Further, below the image display area, a receipt number read by OCR from the displayed image is displayed. Further, when the receipt number cannot be read correctly, the displayed OCR result can be corrected by operating the operation unit 32.

Further, as shown in FIG. 8A, in the lower part of the screen, a "previous" button, a "next" button, a "scale" button, a "rotate" button, a "delete" button, a "return" button, and a "confirm" button are displayed. A button and a "scan" button are arranged. The “previous” button and the “next” button are buttons for switching the image of the dividend receipt displayed in the image display area. The “enlarge/reduce” button is a button for designating an enlarged or reduced display of the image of the dividend receipt displayed in the image display area, and when the “enlarge/reduce” button is pressed, the full-fit display and the double fit display are performed. Switch the display alternately. The "rotate" button is a button for rotating and displaying the image of the dividend receipt displayed in the image display area, and when the "rotate" button is pressed, the image is rotated by 180 degrees. The “delete” button is a button for instructing to invalidate the image of the dividend receipt displayed on the dividend receipt displayed in the image display area. The “return” button is a button for instructing to return to the display of the image of the dividend receipt displayed immediately before in the image display area. The “confirm” button is a button for accepting an operation of confirming the determination result for the dividend receipt displayed in the image display area, and when the operation of the “confirm” button is accepted, the image display area is displayed. The image of the next dividend receipt is displayed. Further, when the image displayed in the image display area is the image for the last dividend receipt, when the operation of the “confirm” button is accepted, the screen transitions to the screen of FIG. 8B. The “scan” button is a button for instructing to start scanning the dividend receipt set in the scanner 33.

On the screen of FIG. 8B, as a summary of the determination result of whether or not the dividend can be paid with respect to the dividend receipt confirmed on the screen of FIG. 8A, the case number and the dividend obtained by scanning the image with the scanner 33 are displayed. The total number of receipts, the number of dividend receipts that have been determined to be payable from the dividends scanned by the image, and the total amount, and the dividends during the handling period that can be paid by the designated financial institution. The number of receipts and the total amount of the receipts, the number of dividend receipts that are required confirmation that it is determined that the dividends cannot be paid for reasons other than during the handling period, and the customer's identity confirmation when paying any of the dividends. The determination result of whether it is necessary or not is displayed. For dividend receipts classified as “during period”, it is necessary to individually confirm whether the bank is a designated financial institution that pays during the handling period. In addition, for dividend receipts classified as "needs to be confirmed", the result of determination in accordance with the principle is that payment is not possible, so it is necessary to manually confirm whether or not the application of an exception determined by a company or the like is necessary. However, as described above, there are very few cases classified into “during period” and “need to be confirmed”. Therefore, if “payable” is automatically determined, it is possible to determine whether or not to pay the dividend on the dividend receipt. The effect of such efficiency improvement is sufficiently large.

Further, as shown in FIG. 8B, a “return” button and a “completion” button are arranged at the bottom of the screen. The “return” button is a button for instructing to return to the screen for reading the dividend receipt as shown in FIG. The “completion” button is a button for inputting that the confirmation of the content displayed in FIG. 8B has been completed.

Next, the print contents of the acceptance result slip output by the process of determining whether or not to pay the dividend with respect to the dividend receipt according to the present embodiment of the branch terminal 30 shown in FIG. 2 will be described with reference to FIG. The acceptance result vote shown in FIG. 9 is output from the printer 34 when the “Complete” button is operated on the dividend receipt reading result confirmation screen as shown in FIG. 8B.

As shown in FIG. 9, in the upper right corner of the acceptance result vote, the date and time of the process for determining whether or not the dividend can be paid for the dividend receipt, the store number and the store name of the business office that performed the determination process, and the operation The person in charge ID and the person in charge name are output. Further, below that, a case number and a total area in which a summary of determination results corresponding to the case number are output are arranged. In addition to the information relating to the determination result shown in FIG. 8B, the person in charge of the receipt of dividends that has been confirmed to be required or determined to be in the period re-checks whether or not the dividend can be paid manually in the total area. As a result of the judgment, the column for entering the total amount of dividend receipts determined to be payable, the sum of the amount judged to be payable by the system and the amount judged to be payable by the person in charge again And a column for entering a total payment amount.

If the reception result vote as shown in FIG. 9 is output, the operator re-determines whether or not the dividend can be paid for the dividend receipt that is in confirmation or during the period, and the determination result is paid. If it is determined that payment is possible, enter the total amount of dividend receipts that are determined to be payable by handwriting in the column where the amount determined to be payable by re-determination provided in the aggregation area is entered. The amount will be calculated and filled in by hand.

In addition, below the total area, a result display area for displaying the determination result of whether or not the dividend can be paid is provided for each of the read dividend receipts. In each result display area, an image including the name of the issuing company of the dividend receipt based on the receipt number read from the dividend receipt, the processing serial number, the receipt number, and the receipt number portion of the dividend receipt read by the scanner 33 and the determination Contains the resulting information.

Next, a processing procedure of processing for determining whether or not the dividend can be paid with respect to the dividend receipt according to the present embodiment of the branch terminal 30 shown in FIG. 2 will be described with reference to the flowchart shown in FIG.

The receipt check processing unit 37a acquires the receipt number of the dividend receipt by OCR based on the image of the dividend receipt read by the scanner 33 (step S101). If the received receipt number is 30 digits (step S102; Yes), the receipt check processing unit 37a performs a check digit check according to the 30-digit receipt number format (step S103). If there is a problem in the check digit check (step S104; No), the determination result is set to "need confirmation" (step S121), and the process is ended.

If there is no problem in the check digit check (step S104; Yes), the receipt check processing unit 37a performs a securities agency check on the receipt number acquired in step S101 (step S105). Specifically, the receipt check processing unit 37a refers to the securities agency code included in the receipt number acquired in step S101 to determine whether or not the receipt is to be handled by itself. In the present embodiment, it is assumed that the company is entrusted with a dividend payment business corresponding to a securities agency other than its own bank, and the securities agency code corresponding to its own bank and the dividend payment business It is also determined that the securities agency code corresponding to the securities agency that has been entrusted is also subject to handling. When it is determined in the securities agency period check in step S105 that the transaction is not a handling target (step S106; No), the process proceeds to step S121.

If it is determined in the securities agency period check in step S105 that the receipt will be handled by the bank itself (step S106; Yes), the receipt check processing unit 37a performs an unpaid master check for the receipt number acquired in step 101 (step S107). ). Specifically, the receipt check processing unit 37a transmits an unpaid master search request including the receipt number acquired in step S101 to the center server 10. The search result for the unpaid master search request was accepted from the center server 10, and the response was that there was no record corresponding to the unpaid master data 14a shown in FIG. 7 as the search result for the accepted unpaid master search request. In that case (step S108; No), the process proceeds to step S121.

When the record of the unpaid master data 14a searched as the search result for the unpaid master search request transmitted in step S107 is returned (step S108; Yes), the receipt check processing unit 37a acquires in step S101. The payment stop check is performed on the receipt number (step S109). Specifically, the receipt check processing unit 37a identifies the company code from the receipt number acquired in step S101, and sends a payment suspension data search request including the identified company code to the center server 10. The search result for the payment suspension data search request is received from the center server 10, the record retrieved from the payment suspension data 14b is received as the search result, and the payment suspension period is based on the information of the payment suspension period included in the received record. If it is determined that (step S110; Yes), the process proceeds to step S121.

If the record indicating that there is no record corresponding to the unpaid master data 14a as the search result for the payment suspension data search request transmitted in step S109, or if the record retrieved from the payment suspension data 14b is received as the search result, When it is determined that the payment suspension period is not in progress based on the information on the payment suspension period included in the received record (step S110; No), a determination process of whether it is the handling period is performed (step S111). .. Specifically, based on the information on the handling period included in the information of the record of the unpaid master data 14a for the receipt number acquired in response to the unpaid master search request in step S107, today is the amount of the dividend paid by the designated financial institution. Judge whether it is within the payment handling period. When it is determined in the handling period check process of step S111 that today is within the handling period (step S112; Yes), the receipt check processing unit 37a determines that the determination result is “within period” (step S120), and executes the process. To finish.

When it is determined in the handling period check process of step S111 that today is not within the handling period (step S112; No), the checking process relating to the final payment date is performed (step S113). Specifically, if today is past the handling period and is before the final payment date included in the information of the record of the unpaid master data 14a for the receipt number acquired in response to the unpaid master search request in step S107 ( In step S114; Yes), the receipt check processing unit 37a sets the determination result to "payable" (step S115), and ends the processing. If today is not within the handling period or the final payment date has passed (step S114; No), the process proceeds to step S121.

If the receipt number read in step S101 has 28 digits (step S102; No, step S116; Yes), the receipt check processing unit 37a performs a check digit check according to the receipt number 28 digit format. Perform (step S117). If there is a problem in the check digit check (step S118; No), the process proceeds to step S121. If there is no problem in the check digit check corresponding to the 28-digit receipt number format (step S118; Yes), the receipt check processing unit 37a formats the 28-digit receipt number read in step S101 into a 30-digit format. After conversion (step S119), the process proceeds to step S107. If the receipt number read in step S101 is not 28 digits (step S116; No), the process proceeds to step S121.

Next, the print contents of the summary table output from the sales office terminal 30 shown in FIG. 2 will be described with reference to FIG. In this embodiment, the securities agency code specified by the receipt number is "0", the agency "A" is "A", and the agency "B" is "2". .. If you are paying dividends corresponding to multiple securities transfer agencies in this way, aggregate the dividends paid by each securities transfer agency as part of the daily closing process related to dividend payment processing. There is a need to do. FIG. 11 is a print example of a summary table of the handled dividend receipts for each securities agency.

As shown in FIG. 11, the date and time of aggregation, the business office number and the business office name of the business office to be aggregated are output at the upper right of the summary table. In addition, the number of dividend receipts determined to be payable by the system and the total amount of dividends for each securities agency are output to the top row of the summary table. In addition, the total number of dividend receipts and the total amount of dividends corresponding to all the securities transfer agencies handled are output to the far right of the summary table.

In addition, of the dividend receipts that were not determined to be payable by this system, the number of dividend receipts that were determined to be payable by the re-judgment by the bank staff and the total amount of dividends are entered by handwriting for each securities agency. A column for inputting and a column for writing by hand the total value of the automatically determined amount and the amount determined to be payable by re-determination are also output. If there is a dividend receipt that was determined to be payable by the bank staff, the number of dividend receipts and the total amount of dividends that were determined to be payable by each securities agency can be re-determined. It is possible to write by hand in the box for the amount of time and the total value for the automatic judgment in the box for total.

As described above, in the present embodiment, information on the handling period that cannot be handled by the owner and the period during which the participant can handle the dividend is stored in association with the receipt number of the dividend receipt for which the dividend is not paid. It has unpaid master data 14a and payment stop data 14b that stores a list of company codes that include the company code in the receipt number and that has stopped paying dividends to the dividend receipt, and accepted the dividend receipt. In that case, the receipt number is read from the received dividend receipt, and it is determined whether or not the dividend can be paid to the dividend receipt based on the receipt number, the unpaid master data 14a, and the payment suspension data 14b. Therefore, when the financial institution, which is the shareholder registry administrator, receives a dividend payment request from the customer in exchange for the dividend receipt, it is possible to efficiently and appropriately determine whether or not the dividend can be paid.

In the above embodiment, the unpaid master data 14a and the payment suspension data 14b are managed by the center server 10, and the branch office terminal 30 acquires information from the center server 10 as necessary. The present invention is not limited to this. For example, the unpaid master data 14a and the payment suspension data 14b are downloaded from the center server 10 and stored in the sales office terminal 30 at a predetermined timing such as when the sales office terminal 30 is started up. The processing may be performed based on the stored information. Further, when downloading, all the records may not be downloaded each time, but only the differences may be downloaded, and the contents stored in the sales office terminal 30 may be updated based on the downloaded differences.

Further, in the above-described embodiment, in the determination process of whether or not the dividend can be paid with respect to the dividend receipt, if it is determined that confirmation is required or within the period, if it is determined that the payment is possible by re-determination by the bank employee, Although the determination result is not reflected, the present invention is not limited to this. For example, when it is determined that the clerk can be paid by re-determination, the fact that the clerk has determined that payment is possible is reflected in the information of the determination result for each dividend receipt of the check result data 14c. If possible, the system may automatically calculate and output the “payable and determined by re-determination” column and the total column of the summary table shown in FIG. 11.

Further, in the above-described embodiment, the system does not check that the receipt stamp is pressed, but the present invention is not limited to this. For example, based on the image of the dividend receipt received by the scanner 33, the receipt stamp field is specified, and the system determines whether or not the stamp stamp is present in the receipt stamp field. A message for confirmation may be displayed.

In addition, each configuration illustrated in the above-described embodiments is a schematic functional diagram, and does not necessarily have to be physically the configuration illustrated. That is, the form of distribution/integration of each device is not limited to that shown in the figure, and all or a part of them may be functionally or physically distributed/integrated in arbitrary units according to various loads and usage conditions. Can be configured.

As described above, the dividend payment management system and the dividend payment management method according to the present invention can be applied to a case where a financial institution, which is a shareholder registry administrator, receives a dividend payment request from a customer in exchange for a dividend receipt. It is suitable for determining whether or not dividends can be paid efficiently and appropriately.

10 center server 11, 31 display unit 12, 32 operation unit 13, 35 communication unit 14, 35 storage unit 14a unpaid master data 14b payment suspension data 14c, 36a check result data 15, 37 control unit 15a unpaid master management unit 15b Payment stop data management unit 15c Check result data management unit 20 Center terminal 30 Branch office terminal 33 Scanner 34 Printer 36b Receipt image data 37a Receipt check processing unit 37b Check result printing unit 37c Aggregation processing unit 37d Inquiry processing unit

Claims (5)

Corresponding to receipt identification information that identifies dividend receipts for which dividends have not been paid, the handling period during which the designated financial institution can accept the dividend receipts, and the exclusion period after the handling period has passed. An unpaid data storage means for storing the last payment date indicating the last payment date of
From dividend receipts received from the customer, the securities agency code of securities agency is a stock registry administrator to handle the dividend receipt, company code indicating the company that issued the dividend receipt, receipt identification of the dividend receipt reading means for reading the receipt number which contains information dividend amount to be paid to exchange for the information and the dividend receipt,
Reading means for reading from the unpaid data storage means the handling period and the last payment date corresponding to the receipt identification information included in the receipt number read from the dividend receipt by the reading means;
The handling date of the dividend receipt is after the lapse of the handling period read from the unpaid data storage unit by the reading unit, and is read from the unpaid data storage unit by the reading unit. A dividend payment management system, comprising: a determination unit that determines whether or not a dividend can be paid to the dividend receipt by the securities agency based on whether or not the final payment date has passed. .. The determination means is
When the handling date of the dividend receipt is within the handling period corresponding to the receipt identification information read from the unpaid data storage means by the reading means, the dividend receipt by the securities agency is The dividend payment management system according to claim 1, wherein the payment of the dividend is determined to be impossible. The determination means is
When the handling date of the dividend receipt is after the final payment date corresponding to the receipt identification information read from the unpaid data storage unit by the reading unit, the dividend by the securities agency. The dividend payment management system according to claim 1 or 2, wherein it is determined that the payment of the dividend with respect to the gold receipt is impossible. Further comprising payment stop data storage means for storing the company code of the company that has stopped paying the dividend,
The determination means is
When the payment stop data storage means is searched based on the company code included in the receipt number read from the dividend receipt by the reading means, and the company code is stored in the payment stop data storage means, The dividend payment management system according to any one of claims 1 to 3, wherein it is determined that payment of the dividend with respect to the dividend receipt is impossible. A dividend payment management method in a dividend payment management system in which a sales office terminal and a server device are communicatively connected,
The server device associates with the receipt identification information for identifying the dividend receipt for which the dividend has not been paid, the handling period during which the designated financial institution can accept the dividend receipt, and the handling period has passed. A storage step of storing, in the unpaid data storage section, the payment end date indicating the end date of the payable period after the exclusion period
The branch office terminal, company code indicating dividend receipt received from the customer, securities agency code of securities agency is a stock registry administrator to deal with the dividend receipt, the company that issued the dividend receipt, the dividend read the receipt numbers including information of dividend amount to be paid to exchange for receipt identification information and said dividend receipts gold receipt, a reading step of transmitting to said server device,
A reading step in which the server device reads, from the unpaid data storage unit, the handling period and the final payment date corresponding to the receipt identification information included in the receipt number received from the sales office terminal;
In the server device, the handling date of the dividend receipt is after the handling period read from the unpaid data storage unit in the reading step, and the unpaid data storage unit is read in the reading step. A determination step of determining whether or not a dividend can be paid to the dividend receipt by the securities agency based on whether or not the final payment date has been read from Dividend payment management method.

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