JP7579294B2 - Automatic deposit processing device, automatic deposit processing method, and automatic deposit processing program - Google Patents

Description

The present invention relates to an automatic deposit processing device, an automatic deposit processing method, and an automatic deposit processing program.

There are cases where credit agreements are made individually with group companies, including other corporations, or with companies with multiple locations, and claims for those credits are billed collectively to a management company for the group company, etc., and those claims are paid collectively from the management company. It is necessary to carry out a clearing process for the credits received, but because the rules for appropriation of credits differ depending on the nature of the business partner, the clearing process is carried out manually while checking the rules for each credit, which is inefficient and leads to operational errors.

Patent Document 1 proposes an automatic deposit processing device that compares the total invoice amount calculated by tallying up invoices related to one or more transactions with a specified business partner with the amount of payment received from that business partner, and, if the amount of payment received is equal to or greater than the invoice amount, settles the payment against the invoice amount.

JP 2017-182793 A

In the system of Patent Document 1, if the amount received is equal to or greater than the amount invoiced, the payment is settled against the invoiced amount, but if the amount received is less than the amount invoiced, the payment settlement is restricted and it is necessary to manually settle the amount separately.

The present invention has been made in consideration of the above problems, and aims to provide an automatic deposit processing device, an automatic deposit processing method, and an automatic deposit processing program that assign a deposit key to each corporation that makes a lump-sum invoice, and can automatically process deposits based on the allocation rules linked to the deposit key, regardless of the difference between the invoice amount and the deposited amount.

In order to solve the above problems and achieve the objective, the automatic deposit processing device of the present invention is an automatic deposit processing device equipped with a control unit, and is capable of accessing a deposit key master that stores a deposit key, which is an appropriation rule for deposits from a group company or a management company of a company with multiple locations, customer information data that is linked to and stored with the same deposit key for each group company or company with multiple locations, and credit information data that stores information including the advance payment date, advance payment amount, and billing amount for credit contracts, and the control unit is characterized by having a deposit information acquisition means that acquires deposit information from the management company for a lump sum billing for the credit contract of the group company or company with multiple locations, and an automatic deposit processing means that performs automatic deposit processing for each credit in accordance with the set appropriation rule, referring to the customer data and the credit information data, based on the deposit information acquired by the acquisition means.

The automatic deposit processing device according to the present invention also includes a display means for displaying a customer inquiry screen, and allows the customer to inquire about the deposit amount and remaining balance of the credit contract by inputting a deposit key into the customer inquiry screen.

The automatic deposit processing method according to the present invention is an automatic deposit processing method executed by an automatic deposit processing method device having a control unit, and is capable of accessing a deposit key master that stores a deposit key, which is an appropriation rule for deposits from a management company of a group company or a company having multiple locations, customer information data that links and stores the same deposit key for each group company or company having multiple locations, and credit information data that stores information including the advance payment date, advance payment amount, and billing amount for the credit contract, and the control unit includes a deposit information acquisition step that acquires deposit information from the management company for a lump sum billing for the credit contract of the group company or the company having multiple locations, and an automatic deposit processing step that performs automatic deposit processing for each credit in accordance with the set appropriation rule, referring to the customer data and the credit information data, based on the deposit information acquired by the acquisition means.

The automatic deposit processing program of the present invention is an automatic deposit processing program executed by an automatic deposit processing device equipped with a control unit, and is capable of accessing a deposit key master that stores a deposit key, which is an appropriation rule for deposits from a management company of a group company or a company with multiple locations, customer information data that links and stores the same deposit key for each group company or company with multiple locations, and credit information data that stores information including the advance payment date, advance payment amount, and billing amount for the credit contract, and the control unit executes on a computer a deposit information acquisition step that acquires deposit information from the management company for a lump sum billing for the credit contract of the group company or the company with multiple locations, and an automatic deposit processing step that performs automatic deposit processing for each credit in accordance with the set appropriation rule based on the deposit information acquired by the acquisition means, referring to the customer data and the credit information data.

The present invention has the advantage that a deposit key is assigned to each corporation making a lump sum invoice, and the deposit process can be carried out automatically based on the allocation rules linked to the deposit key, regardless of the amount of the deposit.

FIG. 1 is a diagram showing an example of the configuration of an automatic deposit processing device 100 according to the present embodiment. FIG. 2 is a diagram showing an example of the deposit key master 106a. FIG. 3 is a diagram showing an example of the customer information data 106b. FIG. 4 is a diagram for explaining an example of a corporation to which the same deposit key is assigned. FIG. 5 is a diagram showing an example of the claim information data 106c. FIG. 6 is a diagram showing an example of the deposit data 106d. FIG. 7 is a diagram showing an example of the bond information data 106c. FIG. 8 is a diagram for explaining the process flow of the automatic deposit processing device 100 according to this embodiment. FIG. 9 is a diagram for explaining the flow of the automatic deposit process. FIG. 10 is a diagram showing an example of the customer inquiry screen MA.

Below, an embodiment of the automatic deposit processing device, automatic deposit processing method, and automatic deposit processing program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the present embodiment.

[1. Configuration]
An example of the configuration of the automatic deposit processing device 100 according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a diagram showing an example of the configuration of the automatic deposit processing device 100 according to this embodiment.

The automated deposit processing device 100 is constructed based on a commercially available desktop personal computer. Note that the automated deposit processing device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may also be constructed based on a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The automatic deposit processing device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the automatic deposit processing device 100 is connected to each other so as to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the automatic deposit processing device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the automatic deposit processing device 100 and the server device 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the memory unit 106 may be stored in the server device 200, for example.

An input device 400 and an output device 500 are connected to the input/output interface unit 108. The output device 500 may include a monitor (including a home television) that displays the customer inquiry screen MA, as well as a speaker and a printer. The input device 400 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to achieve a pointing device function. In the following, the output device 500 may be referred to as the monitor 500, and the input device 400 may be referred to as the keyboard 400 or the mouse 400.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records computer programs that work in cooperation with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like.

The memory unit 106 stores, for example, a deposit key master 106a, customer information data 106b, claim information data 106c, and deposit data 106d.

The deposit key master 106a is a master of allocation rules for automatic deposit processing for each group company or company with multiple locations, and as shown in an example in FIG. 2, stores the deposit key, partial deposit FLG, excess deposit FLG, first allocation FLG, allocation order parameter 1, ascending/descending order of allocation order parameter 1, allocation order parameter 2, ascending/descending order of allocation order parameter 2, etc. The partial deposit FLG is related to the decision whether to deposit part of the receivable when the deposit is less than the invoiced amount, with "0" indicating that partial deposit is not possible and "1" indicating that partial deposit is possible. The excess deposit FLG is related to the decision whether to deposit the receivable when the deposit is greater than the invoiced amount, with "0" indicating that deposit is not possible and "1" indicating that deposit is possible. The first allocation FLG is related to the decision whether to deposit the surplus to the next month's invoice when the deposit is greater than the invoiced amount and excess deposit is possible, with "0" indicating that allocation is not possible and "1" indicating that allocation is possible. The allocation order parameter relates to the order of allocation of receivables when partial payment or prior allocation is possible; if the allocation order parameter is the advance payment date, allocation is performed in ascending or descending order of the advance payment date, and if it is an advance payment, allocation is performed in ascending or descending order of the advance payment amount. In addition, as allocation order parameters other than the advance payment date and advance payment, the receivable contract date, a category arbitrarily set by the customer, and a numerical value arbitrarily set can be used. The deposit key master 106a is a mechanism that can hold general categories or numerical values for categories arbitrarily set by the customer, and can register the deposit key registered when registering customer information.

Customer information data 106b is customer data of companies that have signed credit contracts, and includes customer number, customer name, deposit key, etc., as shown in an example in FIG. 3. In customer information data 106b, the same deposit key is assigned to each group company or company with multiple locations that handles credit claims collectively. FIG. 4 is a diagram explaining an example of a corporation that is assigned the same deposit key. For example, as shown in FIG. 4, XXX Airlines Co., Ltd. (customer number 901) and XXX Airlines Services Co., Ltd. (customer number 902) belong to the same group of companies, and they both make collectively claims for the credits of the companies that belong to the group company to XXX Airlines Co., Ltd., the management company, and receive credits collectively from XXX Airlines Co., Ltd., so they are assigned the same deposit key 101. In addition, △△△ Tokyo Head Office Co., Ltd. (customer number 903), △△△ Nagoya Branch Co., Ltd. (customer number 904), and △△△ Fukuoka Branch Co., Ltd. (customer number 905) are multiple locations of △△△ Co., Ltd., and the receivables of the multiple locations are billed collectively to △△△ Tokyo Head Office Co., Ltd., the management company, and are deposited collectively from △△△ Tokyo Head Office Co., Ltd., so they are assigned the same deposit key 102. Here, deposit key 101 is the application rule that partial deposit FLG is not allowed, excessive deposit FLG is not allowed, and prior application FLG is not allowed, and deposit key 102 is the application rule that partial deposit FLG is allowed, excessive deposit FLG is allowed, and prior application FLG is allowed.

The credit information data 106c is data related to credit information for which there is a contract, and includes the customer number, branch number, customer name, advance payment date, advance payment, billing amount, allocation order, and appropriated amount, as shown in an example in FIG. 5. The billing amount is the lump sum amount billed to the management company of a group company or a company with multiple locations, that is, the total amount of advance payments for group companies or companies with multiple locations, is stored. When credit information data 106c is first created, the allocation order and allocation amount are zero or null, and after deposit data is created and automatic deposit processing is performed, the allocation order and allocation amount are set as shown in FIG. 7.

Deposit data 106d is data regarding deposits from a group company or a management company of a company with multiple locations, and includes the customer number, deposit amount, deposit key, etc., as shown in an example in Figure 6. Deposits from the management company are determined to be from which customer based on matching conditions according to the repayment method, such as a virtual account for transfers or a barcode key, and the customer number and deposit key are linked to the deposit.

The control unit 102 is a CPU or the like that provides overall control of the automatic deposit processing device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing operations based on these stored programs.

The control unit 102 conceptually includes a deposit information acquisition unit 102a, an automatic deposit processing unit 102b, etc.

The deposit information acquisition unit 102a acquires deposit information from a management company of a group company or a company with multiple locations for a lump sum invoice for a credit contract of the group company or a company with multiple locations, and creates deposit data 106d.

Based on the deposit information acquired by the deposit information acquisition unit 102a, the automatic deposit processing unit 102b refers to the customer data 106b and the claim information data 106c, and performs automatic deposit processing for each claim according to the allocation rules set in the deposit key.

2. Processing
Here, a specific example of the process executed by the automatic deposit processing device 100 will be described with reference to FIGS.

Figure 8 is a diagram explaining the processing flow of the automated deposit processing device 100. When the automated deposit processing device 100 enters into a credit agreement with a new company, it registers the allocation parameters on a deposit key master maintenance screen (not shown) and sets and registers the deposit key master 106a that links the allocation parameters to the deposit key (step S-1).

After that, on a customer information registration screen (not shown), customer information data 106b including the customer number, customer name, and deposit key of the contracted company is set and registered (step S-2). If the customer is a group company or a company with multiple locations, the same deposit key is linked.

The accounts receivable are billed in bulk to the management company of a group company or a company with multiple locations, and when the payment for the bill is confirmed by the payment information acquisition unit 102a, the automatic payment processing unit 102b performs automatic payment processing based on the allocation parameters linked to the payment key (step S-3).

Figure 9 is a diagram explaining the flow of the automatic deposit process. If the billing amount and the deposit amount match (step S-301: Yes), automatic deposit process is performed to allocate the full amount on a deposit key basis (step S-302). If the billing amount and the deposit amount do not match (step S-301: No), it is determined whether the deposit amount is less than the billing amount (step S-303). If the deposit amount is less than the billing amount (step S-303: Yes), it is determined whether the partial deposit FLG of the deposit key master 106a is "1" (step S-304). If the partial deposit FLG is "1" and possible (step S-304: Yes), a partial allocation of the advance is performed according to the allocation order on a deposit key basis (step S-305). If the partial deposit FLG is "0" and deposit is not possible (step S-304: No), the automatic deposit process is terminated without partial allocation of the advance (step S-306).

If the amount received is not less than the amount billed (step S-303: No), it is determined whether the amount received is greater than the amount billed (step S-307). If the amount received is greater than the amount billed (step S-307: Yes), it is determined whether the excess deposit FLG in the deposit key master 106a is "1" (step S-308). If the excess deposit FLG is "1" (step S-308: Yes), it is determined whether the pre-appropriation FLG is "1" (step S309). If the pre-appropriation FLG is "1" and possible (step S309: Yes), an automatic deposit process is performed for the full amount of the advance for this month, and the excess amount is applied to next month's bill in accordance with the application order (step S310). If the pre-allocation flag is "0" and not possible (step S309: No), the full amount of this month's invoice is automatically deposited, and the excess amount is recorded as a deposit in the last claim in the allocation order (step S-311).

If the excess deposit flag is "0" and not possible (step S-308: No), the automatic deposit process ends without applying the current month's advance payment (step S-312).

For example, when 300,000 yen is billed to customer number 901 shown in FIG. 5 and 300,000 yen is deposited as shown in FIG. 6, the automatic deposit processing unit 102b performs automatic deposit processing according to the appropriation rules of deposit key 101. Since the billed amount and the deposited amount match, an appropriated amount equal to the advance payment is automatically deposited for the receivables of customer numbers 901 and 902, as shown in FIG. 7.

The deposit key 102 for customer number 903 has an allocation rule of partial deposit allowed, excess deposit allowed, and first allocation allowed, and partial deposit processing is automatically performed even if the amount received is less than the amount invoiced. As shown in Figures 5 and 6, if a bill is made to customer number 903 for 1,200,000 yen and 1,000,000 yen is deposited, partial deposit processing is automatically performed because the allocation rule is partial deposit allowed. Since the allocation order parameter 1 for the deposit key 102 is the advance payment date and the allocation order parameter 2 is the advance payment amount, automatic deposits are made starting with the receivable with the earliest advance payment date and the smallest advance payment amount. As shown in Figure 7, the allocation order for customer numbers 903, 904, and 905 is 1, 2, and 3, in order of earliest advance payment date and smallest advance payment amount. Customer number 905, which has the lowest allocation order, will be partially deposited.

After the automatic deposit process, the remaining balance and deposit amount are inquired for each deposit key on the customer inquiry screen MA, an example of which is shown in Figure 10 (step S-4). In Figure 10, a customer inquiry is made for deposit key 102, and it is confirmed that the receivable amount for customer number 905 is less than the invoice amount and that the customer has a remaining balance.

As described above, according to this embodiment, a deposit key is assigned to each corporation making a lump sum invoice, and the deposit process can be performed automatically based on the allocation rules linked to the deposit key, regardless of the amount of the deposit, making it possible to automatically perform the deposit reconciliation process without operational errors. In addition, the customer inquiry screen allows the user to inquire about the remaining balance and the amount of the deposit, making it easy to understand the receivables.

[3. Contribution to the United Nations-led Sustainable Development Goals (SDGs)]
This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby making it possible to contribute to goals 8 and 9 of the SDGs.

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

In addition, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

4. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using a known method.

In addition, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

Furthermore, with regard to the automated deposit processing device 100, each component shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the automatic deposit processing device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the automatic deposit processing device 100 as necessary. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) to give instructions to the CPU in cooperation with the OS and perform various processes. This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

This computer program may also be stored in an application program server connected to the automated deposit processing device 100 via any network, and may be downloaded in whole or in part as needed.

In addition, the program for executing the processing described in this embodiment may be stored on a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a Blu-ray (registered trademark) Disc, and a Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit are storage devices such as RAM, ROM, etc., fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

The automatic deposit processing device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The automatic deposit processing device 100 may also be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

The present invention is particularly useful in the financial industry, or when making collective claims against management companies for group companies or companies with multiple locations.

REFERENCE SIGNS LIST 100 Automatic deposit processing device 102 Control unit 102a Deposit information acquisition unit 102b Automatic deposit processing unit 104 Communication interface unit 106 Storage unit 106a Deposit key master 106b Customer information data 106c Credit information data 106d Deposit data 108 Input/output interface unit 200 Server 300 Network 400 Input device 500 Output device

Claims (4)

An automatic deposit processing device having a control unit,
A deposit key master that stores a deposit key, which is an appropriation rule for deposits from a group company or a management company of a company having multiple bases;
Customer information data stored by linking the same deposit key for each of the group companies or companies having multiple bases;
Claim information data storing information including the advance payment date, advance payment amount, and claim amount of the claim contract;
is accessible to
The control unit is
a payment information acquisition means for acquiring payment information from the management company with respect to a lump sum invoice for the credit contract of the group company or a company having multiple bases;
an automatic deposit processing means for performing automatic deposit processing of each claim in accordance with the application rule set by referring to the customer information data and the claim information data based on the deposit information acquired by the acquisition means;
An automatic deposit processing device comprising: Display means for displaying a customer inquiry screen;
Equipped with
2. An automatic deposit processing device according to claim 1, wherein the amount of deposit and the remaining balance of said credit contract can be inquired by inputting a deposit key on said customer inquiry screen. An automatic deposit processing method executed by an automatic deposit processing method device having a control unit,
A deposit key master that stores a deposit key, which is an appropriation rule for deposits from a group company or a management company of a company having multiple bases;
Customer information data stored by linking the same deposit key for each of the group companies or companies having multiple bases;
Claim information data storing information including the advance payment date, advance payment amount, and claim amount of the claim contract;
is accessible to
The control unit executes
a payment information acquisition step for acquiring payment information from the management company for a lump sum invoice for the credit contract of the group company or a company having multiple bases;
an automatic deposit processing step of performing automatic deposit processing of each claim in accordance with the application rule set by referring to the customer information data and the claim information data based on the deposit information acquired by the acquisition means;
containing,
An automated deposit processing method comprising: An automatic deposit processing program executed by an automatic deposit processing device having a control unit,
A deposit key master that stores a deposit key, which is an appropriation rule for deposits from a group company or a management company of a company having multiple bases;
Customer information data stored by linking the same deposit key for each of the group companies or companies having multiple bases;
Claim information data storing information including the advance payment date, advance payment amount, and claim amount of the claim contract;
is accessible to
The control unit is
a payment information acquisition step for acquiring payment information from the management company for a lump sum invoice for the credit contract of the group company or a company having multiple bases;
an automatic deposit processing step of performing automatic deposit processing of each claim in accordance with the application rule set by referring to the customer information data and the claim information data based on the deposit information acquired by the acquisition means;
An automatic deposit processing program characterized by executing the above on a computer.

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