Invoice reading settlement system, invoice reading settlement device, invoice reading settlement method, and invoice reading settlement program

Abstract

To provide an invoice reading settlement system, an invoice reading settlement device, an invoice reading settlement method, and an invoice reading settlement program capable of presenting an invoice demand content confirmation screen to a user while an AI automatically reads the demand content of the invoice or the like even when there is no bar code or QR code (R) on the invoice or the like held by a user being a person to be requested, or it cannot be read.SOLUTION: It is so controlled that invoice image data of the invoice is acquired, invoice items contained in the invoice is specified by using a machine learning method on the basis of an invoice master and the invoice image data, demand detail data for each of the invoice items is acquired, and a demand detail confirmation screen in which pieces of the demand detail data are arranged is displayed on an input / output section of a terminal device on the basis of an output format.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a bill reading and settlement system, a bill reading and settlement device, a bill reading and settlement method, and a bill reading and settlement program. [Background technology]

[0002] The smartphone payment application described in Non-Patent Document 1 discloses a technology in which a user reads a barcode or QR code (registered trademark) with a smartphone to call up a payment processing screen and complete the payment. [Prior art documents] [Non-patent literature]

[0003] [Non-Patent Document 1] PayB (https: / / payb.jp / ) Summary of the Invention [Problem to be solved by the invention]

[0004] However, the conventional smartphone payment application described in Non-Patent Document 1 had an issue in that in order to execute the payment process, the user needed to have a physical invoice or a displayed screen with a barcode or QR code (registered trademark) in hand, and to read the barcode or QR code (registered trademark) with the smartphone camera.

[0005] The present invention has been made in consideration of the above problems, and aims to provide an invoice reading and settlement system, an invoice reading and settlement device, an invoice reading and settlement method, and an invoice reading and settlement program that can automatically read the billing contents of an invoice or other document held by a user who is the invoice recipient, even if the invoice or other document held by the user does not have a barcode or QR code (registered trademark) or is in a state where it cannot be read, using AI (Artificial Intelligence), and present the user with a billing details confirmation screen. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the objective, the invoice reading and settlement system of the present invention is an invoice reading and settlement system in which a terminal device having an input / output unit and an invoice reading and settlement device having a memory unit and a control unit are communicatively connected, wherein the memory unit comprises an invoice master in which invoice items are set, and an invoice storage means for storing the output format of the invoice, and the control unit comprises an invoice image acquisition means for acquiring invoice image data of an invoice, a invoice detail acquisition means for identifying the invoice items contained in the invoice based on the invoice master and the invoice image data using a machine learning technique and acquiring invoice detail data for each invoice item, and a invoice detail confirmation screen display control means for controlling the input / output unit of the terminal device to display a invoice detail confirmation screen on which the invoice detail data is arranged based on the output format.

[0007] In addition, in the invoice reading and settlement system of the present invention, the memory unit further comprises a biller memory means for storing biller data of a biller who wishes to pay the invoice online, the control unit further comprises an invoice determination means for determining whether the invoice can be paid online based on the biller data and the invoice detail data, the invoice detail confirmation screen display control means controls, when the invoice determination means determines that the invoice can be paid online, to display, on the input / output unit of the terminal device, the invoice detail data on which is arranged based on the output format and on which payment processing for the invoice can be executed, and the control unit further comprises a payment instruction means for, when a payment transition instruction is input via the input / output unit of the terminal device, sending a payment instruction including the payment data of the invoice to a collection agency system connected to and communicatively connected with the invoice reading and settlement device.

[0008] In addition, in the invoice reading and payment system of the present invention, the invoice image acquisition means is characterized in that when the invoice is photographed via the input / output unit of the terminal device, it acquires the invoice image data of the invoice.

[0009] In addition, in the invoice reading and payment system of the present invention, the invoice image acquisition means is characterized in that when the invoice image data of the invoice is acquired by the terminal device via a network, the invoice image data is acquired.

[0010] In addition, in the invoice reading and payment system of the present invention, the invoice details confirmation screen display control means is characterized in that when the invoice determination means determines that the invoice is not eligible for online payment, the invoice details confirmation screen, on which the invoice details data is arranged, is controlled to be displayed on the input / output section of the terminal device based on the output format.

[0011] In addition, in the invoice reading and payment system of the present invention, the memory unit of the collection agency system further comprises a registration memory means for storing registration data including a registered PIN number of the person registered for the online payment on the terminal device, and the control unit of the collection agency system comprises a payment execution means for, when a payment execution instruction including a PIN number is input to the payment screen via the input / output unit of the terminal device, confirming that the PIN number matches the registered PIN number and executing payment processing for the payment data of the invoice.

[0012] In addition, in the invoice reading and payment system of the present invention, the control unit of the collection agency system is characterized in that it is equipped with a payment execution means which, when biometric data serving as a payment execution instruction is input via the input / output unit of the terminal device and biometric authentication is performed, executes payment processing for the payment data of the invoice.

[0013] In addition, in the invoice reading and payment system of the present invention, the memory unit of the collection agency system further comprises a registration memory means for storing registration data including a registered PIN number of the person registered for the online payment on the terminal device, and the control unit of the collection agency system comprises a payment execution means for, when biometric data serving as a payment execution instruction is input via the input / output unit of the terminal device and biometric authentication is performed, and when a payment execution instruction including a PIN number is input on the payment screen, confirming that the PIN number matches the registered PIN number and executing payment processing for the payment data of the invoice.

[0014] In addition, in the invoice reading and settlement system of the present invention, the control unit is further characterized by comprising: a remittance confirmation screen display control means for, when the invoice determination means determines that the invoice is not eligible for online payment, using a machine learning technique to identify the invoice items contained in the invoice based on the invoice master and the invoice image data, creating remittance data to the biller of the invoice, and controlling a remittance confirmation screen including the remittance data to be displayed on the input / output unit of the terminal device; and a remittance means for, when payment approval is input via the input / output unit of the terminal device, transmitting the remittance data to a bank system connected to and communicatively connected with the invoice reading and settlement device.

[0015] In the bill reading and settlement system according to the present invention, the remittance data includes a remittance amount and a remittance fee amount.

[0016] In addition, in the invoice reading and settlement system of the present invention, the memory unit further comprises a biller memory means for storing biller data of a biller who wishes to pay the invoice online, and the control unit further comprises a payee-specific billing acquisition means for acquiring payee-specific billing data for each payee based on the biller data and the billing detail data, a payee-specific billing confirmation screen display control means for controlling the input / output unit of the terminal device to display a payee-specific billing confirmation screen including the payee-specific billing data, and a remittance means for, when payment approval is input via the input / output unit of the terminal device, creating remittance data based on the payee-specific billing data and transmitting the remittance data to a bank system connected to the invoice reading and settlement device so as to be able to communicate with the invoice reading and settlement device.

[0017] In addition, in the invoice reading and settlement system of the present invention, the control unit further comprises a payment confirmation acquisition means for acquiring payment confirmation data that rearranges and / or summarizes the payee-specific billing data when the payment approval is input via the input / output unit of the terminal device, and a payment confirmation confirmation screen display control means for controlling the input / output unit of the terminal device to display a payment confirmation confirmation screen including the payment confirmation data, and the remittance means is characterized in that, when remittance approval is input via the input / output unit of the terminal device, it creates the remittance data based on the payment confirmation data and transmits the remittance data to the bank system that is communicatively connected to the invoice reading and settlement device.

[0018] In addition, in the invoice reading and settlement system of the present invention, the payment confirmation acquisition means is characterized in that when the payment approval is input via the input / output unit of the terminal device, it acquires the payment confirmation data which is sorted and / or summarized by the payee-specific invoice data for each payment due date and / or for each payee.

[0019] In addition, in the invoice reading and settlement system of the present invention, the payment confirmation acquisition means, when the payment approval is input via the input / output unit of the terminal device, acquires the payment confirmation data which rearranges and / or summarizes the payee-specific billing data for each payment due date, and the remittance means, when the remittance approval is input via the input / output unit of the terminal device, creates the remittance data for each payment due date based on the payment confirmation data and transmits the remittance data for each payment due date to the bank system which is communicatively connected to the invoice reading and settlement device.

[0020] In addition, in the invoice reading and settlement system of the present invention, the payee-specific invoice acquisition means is characterized in that, when detail approval of the invoice detail data is input via the input / output unit of the terminal device, it acquires the payee-specific invoice data for each payee based on the biller data and the invoice detail data.

[0021] In addition, in the invoice reading and settlement system of the present invention, the control unit is further characterized by having a payment result screen display control means which, when payment result data is received from the bank system, controls the input / output unit of the terminal device to display the payment result data.

[0022] In addition, the invoice reading and settlement device of the present invention is an invoice reading and settlement device equipped with a memory unit and a control unit communicatively connected to a terminal device equipped with an input / output unit, wherein the memory unit comprises an invoice master in which invoice items are set, and an invoice storage means for storing an output format of the invoice, and the control unit comprises an invoice image acquisition means for acquiring invoice image data of an invoice, an invoice detail acquisition means for identifying the invoice items contained in the invoice based on the invoice master and the invoice image data using a machine learning technique and acquiring invoice detail data for each invoice item, and an invoice detail confirmation screen display control means for controlling the input / output unit of the terminal device to display a invoice detail confirmation screen on which the invoice detail data is arranged based on the output format.

[0023] In addition, the invoice reading and settlement method of the present invention is an invoice reading and settlement method to be executed by an invoice reading and settlement system in which a terminal device having an input / output unit and a invoice reading and settlement device having a memory unit and a control unit are communicatively connected, the memory unit having an invoice master in which invoice items are set, and an invoice storage means for storing the output format of the invoice, and the method is characterized in that it includes an invoice image acquisition step to be executed by the control unit, an invoice detail acquisition step to identify the invoice items contained in the invoice using a machine learning technique based on the invoice master and the invoice image data, and to acquire invoice detail data for each invoice item, and a invoice detail confirmation screen display control step to control the input / output unit of the terminal device to display a invoice detail confirmation screen in which the invoice detail data is arranged based on the output format.

[0024] In addition, the invoice reading and settlement method of the present invention is an invoice reading and settlement method to be executed by an invoice reading and settlement device having a memory unit and a control unit communicatively connected to a terminal device having an input / output unit, wherein the memory unit has an invoice master in which invoice items are set, and an invoice storage means for storing the output format of the invoice, and is characterized in that the method includes an invoice image acquisition step to be executed by the control unit, an invoice detail acquisition step to identify the invoice items contained in the invoice using a machine learning technique based on the invoice master and the invoice image data, and to acquire invoice detail data for each invoice item, and a invoice detail confirmation screen display control step to control the input / output unit of the terminal device to display a invoice detail confirmation screen on which the invoice detail data is arranged based on the output format.

[0025] In addition, the invoice reading and settlement program of the present invention is an invoice reading and settlement program to be executed by an invoice reading and settlement device having a memory unit and a control unit communicatively connected to a terminal device having an input / output unit, wherein the memory unit has an invoice master in which invoice items are set, and an invoice storage means for storing the output format of the invoice, and the control unit executes an invoice image acquisition step of acquiring invoice image data of an invoice, a invoice detail acquisition step of identifying the invoice items contained in the invoice using a machine learning technique based on the invoice master and the invoice image data, and acquiring invoice detail data for each invoice item, and a invoice detail confirmation screen display control step of controlling the input / output unit of the terminal device to display a invoice detail confirmation screen on which the invoice detail data is arranged based on the output format. Effect of the Invention

[0026] According to the present invention, it is possible to obtain an effect that, regardless of the format of the invoice, the invoice details for each company can be recorded as data from an image of the entire invoice taken with a camera such as a smartphone, using AI deep learning, and rearranged and displayed in the same invoice format. Also, according to the present invention, it is possible to obtain an effect that, from the PDF (Portable Document Format) or image data of the invoice received by email or SNS, the invoice details for each company can be recorded as data from AI deep learning, and rearranged and displayed in the same invoice format. Also, according to the present invention, it is possible to perform payment processing based on the invoices of each company that are all in the same data format. [Brief description of the drawings]

[0027] [Figure 1] FIG. 1 is a diagram showing an example of an outline of an invoice reading and settlement process according to the present embodiment. [Diagram 2] FIG. 2 is a block diagram showing an example of the configuration of the invoice reading and settlement system according to this embodiment. [Diagram 3] FIG. 3 is a flowchart showing an example of the processing of the invoice reading and settlement system in this embodiment. [Figure 4] FIG. 4 is a flow diagram showing an example of the invoice reading and settlement process in this embodiment. [Diagram 5] FIG. 5 is a flow diagram showing an example of the invoice reading and settlement process in this embodiment. [Figure 6] FIG. 6 is a diagram showing an example of a conventional invoice handling process. [Figure 7] FIG. 7 is a flowchart showing an example of the processing of the invoice reading and settlement system in this embodiment. [Figure 8] FIG. 8 is a diagram showing an example of a process for improving the efficiency of invoice handling operations according to the present embodiment. [Figure 9] FIG. 9 is a diagram showing an example of a process for improving the efficiency of invoice handling operations according to the present embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0028] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the drawings. However, the present invention is not limited to the embodiment.

[0029] [1. Overview] First, an overview of the present invention will be described with reference to Fig. 1. Fig. 1 is a diagram showing an example of an overview of an invoice reading and settlement process in this embodiment.

[0030] As shown in FIG. 1, in this embodiment, an invoice scanned by a camera or the like is converted to PDF using AI deep learning, and detailed data for each scanned item is created, rearranged according to a preset format, and recorded as an invoice for the billing company (step SA-1). As shown in FIG. 1, in this embodiment, the detailed data is displayed on the screen according to the preset format, and the user is made to compare and confirm the detailed data displayed on the screen with the contents of the invoice, and if there is a difference, the user is made to correct and register (step SA-2). As shown in FIG. 1, in this embodiment, the user is made to reconfirm the billing amount and enter a PIN number, and payment processing is executed (step SA-3). As shown in FIG. 1, in this embodiment, a confirmation of payment completion is displayed on the screen, and the payment detailed data is stored as payment confirmation data (step SA-4).

[0031] [2. Configuration of the invoice reading and payment system] An example of the configuration of an invoice reading and settlement system in which a terminal device 100, a server (invoice reading and settlement device) 200, and a collection agency system 600 according to this embodiment are communicatively connected will be described with reference to Fig. 2. Fig. 2 is a block diagram showing an example of the configuration of the invoice reading and settlement system in this embodiment.

[0032] [Configuration of terminal device 100] In FIG. 2, the terminal device 100 may be a mobile terminal such as a mobile phone, a smartphone, a tablet terminal, a PHS, or a PDA (Personal Digital Assistant), or an information processing device such as a commercially available desktop or notebook personal computer.

[0033] The terminal device 100 includes a control unit 102, a storage unit 106, and an input / output unit 112, and each unit included in the terminal device 100 is communicatively connected via an arbitrary communication path.

[0034] The input / output unit 112 may have a function of inputting and outputting data (I / O). Here, the input / output unit 112 may be, for example, a key input unit, a touch panel, a control pad (for example, a touch pad, a game pad, etc.), a mouse, a keyboard, a microphone, etc. The input / output unit 112 may also be a display unit (for example, a display, a monitor, a touch panel, etc., made of liquid crystal or organic EL, etc.) that displays (input / output) information of an application, etc. The input / output unit 112 may also be an audio output unit (for example, a speaker, etc.) that outputs audio information as audio. The input / output unit 112 may also be an image input unit (for example, a camera, etc.) that records images (still images and videos) captured by an imaging element such as a CCD image sensor or a CMOS image sensor as digital data. The input / output unit 112 may also be a fingerprint sensor, a camera (for example, an infrared camera, etc.) that can be used for iris authentication or face authentication, etc., and / or a biosensor such as a vein sensor.

[0035] The terminal device 100 has a function of communicatively connecting to other devices via a network 300 and communicating data with the other devices. Here, the network 300 has a function of communicatively connecting the terminal device 100 to the other devices, and is, for example, the Internet and / or a LAN (Local Area Network), etc.

[0036] The storage unit 106 stores various databases, tables, and / or files. The storage unit 106 records computer programs for cooperating with an operating system (OS) to give instructions to a central processing unit (CPU) to perform various processes. For example, a random access memory (RAM), a read only memory (ROM), a hard disk drive (HDD), and / or a solid state drive (SSD) can be used as the storage unit 106. The storage unit 106 may store image data recorded in the input / output unit 112, data received via the network 300, and / or input data input via the input / output unit 112.

[0037] The control unit 102 is a CPU or the like that performs overall control of the terminal 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 based on these stored programs. For example, the control unit 102 may execute various processes such as obtaining image data recorded in the input / output unit 112, reading character data (such as a URL) included in the image data, transmitting and receiving data via the network 300, obtaining input data input via the input / output unit 112, and displaying data (on a screen) on the input / output unit 112.

[0038] [Server 200 configuration] 2, the server 200 may be an information processing device such as a personal computer or a workstation. The server 200 includes a control unit 202 and a storage unit 206, and each unit included in the server 200 is connected to each other so as to be able to communicate with each other via an arbitrary communication path. The server 200 is connected to other devices via a network 300 so as to be able to communicate with each other.

[0039] The memory unit 206 stores various databases, tables, and / or files. The memory unit 206 records computer programs for working with the OS to give instructions to the CPU to perform various processes. The memory unit 206 is a storage means such as a RAM, a ROM, a HDD, and / or an SSD, and stores various databases and tables. In terms of function and concept, the memory unit 206 includes a billing database 206a and a biller database 206b.

[0040] The invoice database 206a stores an invoice master in which invoice items are set, and an output format of the invoice. Here, the invoice master may be a master in which the invoice number, invoice date, payment deadline, invoice destination, person in charge identifier including the person in charge name, invoicer name, invoicer email address, invoicer address and / or invoicer telephone number, invoiced person name, invoiced person email address, invoiced person address and / or invoiced person telephone number, invoiced person identifier including the item name, invoice (total) amount, consumption tax amount, and / or purchase details including the detail number, quantity, unit price and / or subtotal, etc. are set. In addition, the output format may be set to the arrangement of each invoice item. In addition, the invoice may be a payment slip or a payment slip, etc. In addition, the invoice database 206a may store invoice image data of the invoice. Here, the invoice image data may be in PDF format. In addition, the invoice database 206a may store the settlement result of the invoice (payment completion data). Additionally, the invoice database 206a may store payment details data for invoices that have been paid.

[0041] The biller database 206b stores biller data of billers who wish to make online payment (bill reading payment) of bills. Here, the biller data may include biller identification data and / or payment method data of a payment method acceptable to the biller. Here, the payment method may be bank payment, credit card payment, mobile carrier payment, electronic money payment, point payment, and / or coupon payment, etc. In addition, the biller identification data may include biller name (e.g., billing company name and / or billing department name, etc.), biller account number (e.g., account number of a receiving bank account, etc.), biller account name, branch number, deposit type code, biller code (e.g., company code, etc.), biller address, biller telephone number, and / or biller email address, etc.

[0042] The control unit 202 is a CPU or the like that performs overall control of the server 200. The control unit 202 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. In terms of functional concepts, the control unit 202 includes an invoice image acquisition unit 202a, a billing details acquisition unit 202b, an invoice judgment unit 202c, a settlement instruction unit 202d, a payee-specific invoice acquisition unit 202e, a payment settlement acquisition unit 202f, a remittance unit 202g, and a display control unit 202h.

[0043] The invoice image acquisition unit 202a acquires invoice image data of an invoice. Here, when an invoice is photographed via the input / output unit 112 of the terminal device 100, the invoice image acquisition unit 202a may acquire the invoice image data of the invoice. Also, when the invoice image data of an invoice is acquired by the terminal device 100 via the network 300, the invoice image acquisition unit 202a may acquire the invoice image data. Also, the invoice image acquisition unit 202a may store the invoice image data in the invoice database 206a.

[0044] The billing details acquisition unit 202b identifies bill items included in the bill based on the bill master and the bill image data by using a machine learning technique, and acquires billing details data for each bill item. Here, the billing details acquisition unit 202b may store the billing details data in the bill database 206a. Here, the machine learning may be a neural network, a decision tree learning, an association rule learning, a genetic programming, an induction programming, a support vector machine, a clustering, a Bayesian network, a reinforcement learning, and / or a representation learning, etc.

[0045] The invoice judgment unit 202c judges whether or not the invoice can be paid online based on the invoicer data and the invoice detail data.

[0046] The payment instruction unit 202d transmits a payment instruction including the payment data of the invoice. Here, the payment instruction unit 202d may transmit a payment instruction including the payment data of the invoice to the collection agency system 600. The payment data may include biller identification data and the billing amount. When a payment shift instruction is input via the input / output unit 112 of the terminal device 100, the payment instruction unit 202d may transmit a payment instruction including the payment data of the invoice to the collection agency system 600. When a payment shift instruction is input to the billing details confirmation screen via the input / output unit 112 of the terminal device 100, the payment instruction unit 202d may transmit a payment instruction including the payment data of the invoice to the collection agency system 600. When a payment shift instruction is input to the billing details confirmation screen via the input / output unit 112 of the terminal device 100, the payment instruction unit 202d may transmit a payment instruction including the payment data of the invoice to the collection agency system 600. The payment instruction unit 202d may receive a payment result (payment completion data) and store the payment result and / or payment details data based on the payment result in the invoice database 206a. The payment instruction unit 202d may receive a payment shift instruction (data).

[0047] The payee-specific billing acquisition unit 202e acquires payee-specific billing data for each payee. Here, the payee-specific billing acquisition unit 202e may acquire payee-specific billing data for each payee based on the biller data and billing detail data. Furthermore, when a detail approval of the billing detail data is input via the input / output unit 112 of the terminal device 100, the payee-specific billing acquisition unit 202e may acquire payee-specific billing data for each payee based on the biller data and the billing detail data. Furthermore, the payee-specific billing acquisition unit 202e may store the payee-specific billing data in the invoice database 206a. Furthermore, the payee-specific billing acquisition unit 202e may receive a detail approval (data).

[0048] The payment confirmation acquisition unit 202f acquires payment confirmation data in which the payee-specific billing data is rearranged and / or organized. Here, when payment approval is input via the input / output unit 112 of the terminal device 100, the payment confirmation acquisition unit 202f may acquire payment confirmation data in which the payee-specific billing data is rearranged and / or organized. When payment approval is input via the input / output unit 112 of the terminal device 100, the payment confirmation acquisition unit 202f may acquire payment confirmation data in which the payee-specific billing data is rearranged and / or organized for each payment due date and / or for each payee. When payment approval is input via the input / output unit 112 of the terminal device 100, the payment confirmation acquisition unit 202f may acquire payment confirmation data in which the payee-specific billing data is rearranged and / or organized for each payment due date. The payment confirmation acquisition unit 202f may store the payment confirmation data in the invoice database 206a. The payment confirmation acquisition unit 202f may receive payment approval (data).

[0049] The remittance unit 202g transmits remittance data. Here, when payment approval is input (by the payer) via the input / output unit 112 of the terminal device 100, the remittance unit 202g may transmit the remittance data (transfer data) to the bank system 700 communicatively connected to the server 200. The remittance data may include the remittance amount (transfer amount) and / or the remittance fee amount (transfer fee amount), etc. In addition, the remittance unit 202g may create remittance data based on the payee-specific billing data and transmit the remittance data to the bank system 700 communicatively connected to the server 200. Here, when payment approval is input via the input / output unit 112 of the terminal device 100, the remittance unit 202g may create remittance data based on the payee-specific billing data and transmit the remittance data to the bank system 700 communicatively connected to the server 200. Furthermore, when remittance approval is input via the input / output unit 112 of the terminal device 100, the remittance unit 202g may create remittance data based on the payment confirmation data and transmit the remittance data to the bank system 700 communicably connected to the server 200. Furthermore, when remittance approval is input via the input / output unit 112 of the terminal device 100, the remittance unit 202g may create remittance data for each payment due date based on the payment confirmation data and transmit the remittance data for each payment due date to the bank system 700 communicably connected to the server 200. Furthermore, the remittance unit 202g may store the remittance data in the invoice database 206a. Furthermore, the remittance unit 202g may receive payment approval (data) and / or remittance approval (data).

[0050] The display control unit 202h controls the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which billing detail data is arranged, based on the output format of the invoice. Here, when the invoice determination unit 202c determines that the invoice is an invoice that can be paid online, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which billing detail data is arranged, based on the output format of the invoice, and on which payment processing of the invoice can be executed. Furthermore, when the invoice determination unit 202c determines that the invoice is not an invoice that can be paid online, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which billing detail data is arranged, based on the output format of the invoice.

[0051] Furthermore, when the invoice determination unit 202c determines that the invoice is not an invoice that can be paid online, the display control unit 202h may use a machine learning technique to identify invoice items included in the invoice based on the invoice master and invoice image data, create remittance data (transfer data) to the requester of the invoice, and control the input / output unit 112 of the terminal device 100 to display a remittance confirmation screen including the remittance data. Furthermore, the display control unit 202h may perform display control to correct the transfer data included in the remittance confirmation screen displayed on the input / output unit 112 of the terminal device 100. Furthermore, when the transfer data is corrected, the display control unit 202h may perform display control to display a remittance confirmation screen including the corrected transfer data on the input / output unit 112 of the terminal device 100. Furthermore, the display control unit 202h may perform display control to correct the billing detail data included in the billing detail confirmation screen displayed on the input / output unit 112 of the terminal device 100. Furthermore, when billing detail data is modified, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which the modified billing detail data is arranged and on which payment processing for the bill can be executed. Furthermore, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display a payee-specific billing confirmation screen including payee-specific billing data. Furthermore, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display a payment confirmation confirmation screen including payment confirmation data. Furthermore, when payment result data is received from the bank system 700, the display control unit 202h may control the input / output unit 112 of the terminal device 100 to display the payment result data.

[0052] [Configuration of collection agent system 600] 2, the collection agency system 600 may be an information processing device such as a personal computer or a workstation. The collection agency system 600 includes a control unit 602 and a storage unit 606, and each unit included in the collection agency system 600 is connected to be able to communicate with each other via any communication path. The collection agency system 600 is connected to other devices via the network 300 so that they can communicate with each other.

[0053] The storage unit 606 stores various databases, tables, and / or files. The storage unit 606 records computer programs for working with the OS to give instructions to the CPU to perform various processes. The storage unit 606 is a storage means such as a RAM, a ROM, a HDD, and / or an SSD, and stores various databases and tables. The storage unit 606 conceptually includes a registration database 606a.

[0054] The registration database 606a stores the registration data of the registrant of the online payment at the terminal device 100. Here, the registration data may include the registrant identification data and / or the online account. Here, the registrant identification data may include the registrant name, the registrant address, the registrant telephone number, the registrant passport number, the registrant My Number, the registrant driver's license number, the registration PIN, the registrant terminal identification data (MAC address, etc.), the registrant email address, the registrant account number, the registrant account name, the deposit type, the registrant credit card number, the registrant credit card security code, and / or the registrant credit card expiration date data, etc. Furthermore, the registrant identification data may include the registrant's biometric authentication data, such as vein authentication data, fingerprint authentication data, voiceprint authentication data, and / or face authentication data, etc. Furthermore, the online account may be an email account, a telephone number, and / or an SNS account, etc.

[0055] The control unit 602 is a CPU or the like that performs overall control of the collection agency system 600. The control unit 602 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 based on these stored programs. The control unit 602 conceptually includes a payment execution unit 602a.

[0056] The payment execution unit 602a executes a payment process for the payment data of the invoice. Here, when a payment execution instruction is input via the input / output unit 112 of the terminal device 100, the payment execution unit 602a may execute a payment process for the payment data of the invoice. Also, when a payment execution instruction including a PIN is input to the payment screen via the input / output unit 112 of the terminal device 100, the payment execution unit 602a may confirm that the PIN matches the registered PIN and execute a payment process for the payment data of the invoice. Also, when biometric data serving as a payment execution instruction is input via the input / output unit 112 of the terminal device 100 and biometric authentication is performed, the payment execution unit 602a may execute a payment process for the payment data of the invoice. Also, when biometric data serving as a payment execution instruction is input via the input / output unit 112 of the terminal device 100 and biometric authentication is performed, and when a payment execution instruction including a PIN is input to the payment screen, the payment execution unit 602a may confirm that the PIN matches the registered PIN and execute a payment process for the payment data of the invoice. Here, the payment execution unit 602a may create a payment result (payment completion data) and transmit the payment result to the server 200. Furthermore, when the payment execution unit 602a receives a payment instruction including payment data of an invoice from the server 200, the payment execution unit 602a may control the input / output unit 112 of the terminal device 100 to display a payment screen based on the payment data of the invoice. Furthermore, the payment execution unit 602a may receive a payment execution instruction (data).

[0057] [Configuration of bank system 700] 2, the bank system 700 may be an information processing device such as a personal computer or a workstation. The bank system 700 includes a control unit 702 and a storage unit 706, and each unit included in the bank system 700 is communicatively connected via any communication path. The bank system 700 is communicatively connected to other devices via the network 300.

[0058] The memory unit 706 stores various databases, tables, and / or files. The memory unit 706 records computer programs for working with the OS to give instructions to the CPU to perform various processes. The memory unit 706 is a storage means such as a RAM, a ROM, a HDD, and / or an SSD, and stores various databases and tables. Here, the memory unit 706 may store remittance data, transfer data, and / or payment result data, etc.

[0059] The control unit 702 is a CPU or the like that performs overall control of the bank system 700. The control unit 702 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. The control unit 702 may execute payment processing based on remittance data (transfer data) and create payment result data.

[0060] [3. Processing of bill reading and payment system] [3-1. Invoice reading and payment processing] An example of the processing of the invoice reading and settlement system according to this embodiment will be described with reference to Fig. 3 to Fig. 9. Fig. 3 is a flowchart showing an example of the processing of the invoice reading and settlement system according to this embodiment.

[0061] As shown in FIG. 3, when a user photographs a bill via the input / output unit 112 of the terminal device 100, or when invoice image data of an invoice is acquired by the terminal device 100 via the network 300, the invoice image acquisition unit 202a of the server 200 acquires the invoice image data of the invoice and stores the invoice image data in the invoice database 206a (step SB-1).

[0062] Then, the billing detail acquisition unit 202b of the server 200 uses machine learning techniques to identify invoice items contained in the invoice based on the invoice master and the invoice image data, acquires billing detail data for each invoice item, and stores the billing detail data in the invoice database 206a (step SB-2).

[0063] Then, the invoice judgment section 202c of the server 200 judges whether or not the invoice can be paid online (by the user) based on the invoice data stored in the invoice database 206b and the invoice detail data (step SB-3).

[0064] If the invoice determination section 202c of the server 200 determines that the invoice is not an invoice that can be paid online (step SB-3: No), the invoice determination section 202c shifts the process to step SB-4A.

[0065] Then, the display control unit 202h of the server 200 uses machine learning techniques to identify invoice items included in the invoice based on the invoice master and invoice image data, creates transfer data including the transfer amount to the biller of the invoice and the remittance fee amount, and controls the input / output unit 112 of the terminal device 100 to display a remittance confirmation screen including the transfer data (step SB-4A).

[0066] Then, the remittance unit 202g of the server 200 judges whether or not the user has input a payment approval via the input / output unit 112 of the terminal device 100 (step SB-4B).

[0067] If the remittance unit 202g of the server 200 determines that payment approval has been input (step SB-4B: Yes), it shifts the process to step SB-4C.

[0068] Then, the remittance unit 202g of the server 200 transmits the transfer data to the bank system 700 communicably connected to the server 200 (step SB-4C), and the process ends.

[0069] On the other hand, if the remittance unit 202g of the server 200 determines that payment approval has not been input (step SB-4B: No), it shifts the process to step SB-4D.

[0070] Then, the display control unit 202h of the server 200 controls the display to allow the user to modify the transfer data included in the remittance confirmation screen displayed on the input / output unit 112 of the terminal device 100 via the input / output unit 112 of the terminal device 100 (step SB-4D).

[0071] Then, when the user modifies the transfer data via the input / output unit 112 of the terminal device 100, the display control unit 202h of the server 200 controls the input / output unit 112 of the terminal device 100 to display a remittance confirmation screen including the modified transfer data (step SB-4E), and transitions to step SB-4B.

[0072] In this way, in this embodiment, a function is provided that enables individuals or corporations who use a payment application (AP) provided by a collection agency providing this service or an affiliated payment AP, or individuals or corporations who have entered into a payment agency contract with a collection agency providing this service, to create transfer data online and execute a transfer payment even when they receive an invoice from a biller with whom they do not have a collection agency contract.

[0073] On the other hand, if the invoice judgment section 202c of the server 200 judges that the invoice is an invoice that can be paid online (step SB-3: Yes), it shifts the process to step SB-5.

[0074] Then, the display control unit 202h of the server 200 controls the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which the billing detail data is arranged based on the output format of the bill stored in the bill database 206a and on which the billing detail confirmation screen can be processed for payment (step SB-5).

[0075] Then, the payment instruction unit 202d of the server 200 judges whether or not a payment transfer instruction has been input by the user via the input / output unit 112 of the terminal device 100 (step SB-6A).

[0076] Then, when the settlement instruction unit 202d of the server 200 determines that a payment transfer instruction has not been input (step SB-6A: No), it transfers the process to step SB-6B.

[0077] Then, the display control unit 202h of the server 200 controls the display to allow the user to modify the billing detail data contained in the billing detail confirmation screen displayed on the input / output unit 112 of the terminal device 100 via the input / output unit 112 of the terminal device 100 (step SB-6B).

[0078] Then, when the user modifies the billing detail data via the input / output unit 112 of the terminal device 100, the display control unit 202h of the server 200 controls the input / output unit 112 of the terminal device 100 to display a billing detail confirmation screen on which the modified billing detail data is arranged and on which the bill payment process can be executed (step SB-6C), and transitions the processing to step SB-6A.

[0079] On the other hand, if the settlement instruction unit 202d of the server 200 determines that a payment transfer instruction has been input (step SB-6A: Yes), it shifts the process to step SB-7.

[0080] Then, the payment instruction unit 202d of the server 200 transmits a payment instruction including the billing data, including the billing person identification data and the billing amount, to the collection agency system 600 (step SB-7).

[0081] Then, the payment execution unit 602a of the collection agency system 600 controls the input / output unit 112 of the terminal device 100 to display a payment screen based on the payment data included in the payment instruction sent from the server 200, and when the user inputs biometric data serving as a payment execution instruction via the input / output unit 112 of the terminal device 100 and biometric authentication is performed, and when a payment execution instruction including a PIN is input on the payment screen, it confirms that the PIN matches the registered PIN stored in the registration database 606a, executes payment processing for the payment data of the invoice, creates a payment result, and sends the payment result to the server 200 (step SB-8).

[0082] Then, the payment instruction unit 202d of the server 200 receives the payment result sent from the collection agency system 600, stores the payment result and payment detail data based on the payment result in the invoice database 206a (step SB-9), and ends the process.

[0083] A specific example of the invoice reading and settlement process in this embodiment will now be described with reference to Figures 4 and 5. Figures 4 and 5 are flow diagrams showing an example of the invoice reading and settlement process in this embodiment.

[0084] In this embodiment, the billing company of the invoice has already signed a collection agency contract, and the collection agency has registered the company name, business name, department name, bank account name, account number, and company code, etc., written on the invoice, so that the payment target is clarified and the invoice to be paid can be identified. In addition, in this embodiment, an invoice ID for uniquely identifying the invoice is written on the invoice to be issued. Here, as shown in FIG. 4, in this embodiment, when there are various invoices, the contents of the invoice read by the user with the app are organized as billing detail data using a machine learning method, and it is determined whether or not the invoice is from a company with which the user has a contract (step SC-1). Then, as shown in FIG. 4, in this embodiment, in the case of an invoice from a company with no contract, the read contents are displayed on the screen and the process ends, and in the case of an invoice from a company with a contract, the read contents are displayed on the screen and the user is asked to confirm whether or not to pay by online payment (step SC-2). Then, as shown in FIG. 4, in this embodiment, (1) the user is asked to confirm the payment amount, (2) the user is asked to enter a PIN, and (3) the payment is completed (step SC-3).

[0085] 5, in this embodiment, when a user launches the app and reads an invoice in PDF format (step SD-1), all items on the invoice that have been read are converted to a specified format using deep learning by AI (step SD-2). Then, in this embodiment, the billing detail data converted to the specified format is stored in the invoice database 206a for each billing company as a set with the PDF of the invoice (step SD-3), and payment management is performed using the billing detail data for which payment has been confirmed.

[0086] [3-2. Improving the efficiency of invoice handling operations] An example of the efficiency improvement of an invoice handling operation according to the present embodiment will be described with reference to Figures 6 to 9. Figure 6 is a diagram showing an example of a conventional invoice handling operation.

[0087] As shown in FIG. 6, conventionally, various companies send invoices to invoice recipients (step SE-1), and each department in charge of a store or business receives the invoice, checks the contents of the invoice, approves the payment, and entrusts the accounting department with payment processing (step SE-2). As shown in FIG. 6, the accounting department checks the contents of the invoice received by the store or each department and the payment approval of each department, and registers and manages the payment schedule data including payment details, payment deadline, payment amount, etc. in a database based on the invoice data (step SE-3). As shown in FIG. 6, the accounting department sorts and summarizes the payment schedule data by payee, creates transfer confirmation data to companies for each payment due date, and issues a transfer instruction to the bank system 700 as remittance data (step SE-4). As shown in FIG. 6, the accounting department receives payment result data from the bank system 700, reflects the transfer result in the transfer confirmation data to companies for each payment due date, and manages and stores the payment result data (step SE-5).

[0088] As such, traditionally, invoice data was registered by the store or department that received the invoice, or by the accounting department in charge of payment processing, the store or department or the accounting department was responsible for checking the content of the registered invoice data and approving the payment, while the accounting department was responsible for creating the remittance data, transmitting the remittance data to the bank, and processing the payment, such as allocating the necessary funds and approving the remittance, as well as confirming the transfer with the bank, and managing the data on the results of the remittance.

[0089] Therefore, in organizations of a certain size or larger, there are separate departments for receiving invoices, approving payments, and processing payments, and each department functions to handle their own business processes. Therefore, in this embodiment, a mechanism is provided in which the department that receives the invoice (the operations department or accounting department, etc.) uploads a PDF of the invoice created using a copy machine or scanner to the AI ​​system, allowing this invoice data and corresponding payment result data to be accumulated for each company and saved and searched as accounting data.

[0090] Here, an example of the process for improving the efficiency of invoice handling operations according to this embodiment will be described with reference to Fig. 7. Fig. 7 is a flow chart showing an example of the process of the invoice reading and settlement system in this embodiment.

[0091] As shown in FIG. 7, when an invoice is photographed or scanned by the invoice recipient's operational department via the input / output unit 112 of the terminal device 100, the invoice image acquisition unit 202a of the server 200 acquires invoice image data of the invoice and stores the invoice image data in the invoice database 206a (step SF-1).

[0092] Then, the billing detail acquisition unit 202b of the server 200 uses machine learning techniques to identify invoice items contained in the invoice based on the invoice master and the invoice image data, acquires billing detail data for each invoice item, and stores the billing detail data in the invoice database 206a (step SF-2).

[0093] Then, the display control unit 202h of the server 200 controls the input / output unit 112 of the terminal device 100 in the operational department of the billing recipient to display a billing detail confirmation screen on which the billing detail data is arranged, based on the output format of the bill stored in the billing database 206a (step SF-3).

[0094] Then, the payee-specific bill acquisition unit 202e of the server 200 determines whether or not the billing detail data approval has been input by the operational department of the billing destination via the input / output unit 112 of the terminal device 100 (step SF-4).

[0095] If the payee-specific bill acquisition unit 202e of the server 200 determines that the detailed approval has not been input (step SF-4: No), it ends the process.

[0096] On the other hand, if the payee-specific bill acquisition unit 202e of the server 200 determines that a detailed approval has been input (step SF-4: Yes), it shifts the process to step SF-5.

[0097] Then, the payee-specific billing acquisition unit 202e of the server 200 acquires payee-specific billing data for each payee based on the biller data and the billing detail data, and stores the payee-specific billing data in the bill database 206a (step SF-5).

[0098] Then, the display control section 202h of the server 200 controls the input / output section 112 of the terminal device 100 in the operational department of the billing recipient to display a bill-by-payee confirmation screen including the bill-by-payee data (step SF-6).

[0099] Then, the payment confirmation acquisition unit 202f of the server 200 judges whether or not the operation department has input a payment approval via the input / output unit 112 of the terminal device 100 (step SF-7).

[0100] If the payment confirmation acquisition unit 202f of the server 200 determines that payment approval has not been input (step SF-7: No), the process ends.

[0101] On the other hand, if the payment confirmation acquisition unit 202f of the server 200 determines that payment approval has been input (step SF-7: Yes), it shifts the process to step SF-8.

[0102] Then, the payment settlement acquisition unit 202f of the server 200 acquires payment settlement data in which the payee-specific billing data is sorted and / or organized by payment due date and / or by payee (step SF-8).

[0103] Then, the display control unit 202h of the server 200 controls the input / output unit 112 of the terminal device 100 in the accounting department of the billing destination to display a payment confirmation screen including the payment confirmation data (step SF-9).

[0104] Then, the remittance unit 202g of the server 200 judges whether or not the accounting department has input remittance approval via the input / output unit 112 of the terminal device 100 (step SF-10).

[0105] If the remittance unit 202g of the server 200 determines that the remittance approval has not been input (step SF-10: No), the process ends.

[0106] On the other hand, if the remittance unit 202g of the server 200 determines that remittance approval has been input (step SF-10: Yes), it shifts the process to step SF-11.

[0107] Then, the remittance unit 202g of the server 200 creates remittance data based on the payment confirmation data, and transmits the remittance data to the bank system 700 that is communicatively connected to the server 200 (step SF-11).

[0108] Then, when the display control unit 202h of the server 200 receives payment result data from the bank system 700, it controls the payment result data to be displayed on the input / output unit 112 of the terminal device 100 in the accounting department of the billing recipient (step SF-12), and terminates the processing.

[0109] A specific example of the process for improving the efficiency of invoice operations according to this embodiment will be described with reference to Fig. 8 and Fig. 9. Fig. 8 and Fig. 9 are diagrams showing an example of the process for improving the efficiency of invoice operations according to this embodiment.

[0110] As shown in FIG. 8, in this embodiment, various companies send invoices to billing destinations (step SG-1), and the invoices are received by stores and departments in charge of operations, scanned into PDF format, and uploaded using an application (AP) (step SG-2). Then, as shown in FIG. 8, in this embodiment, AI is used to identify invoice items included in the invoice based on the scanned PDF, and billing detail data for each invoice item is obtained (step SG-3). Then, as shown in FIG. 8, in this embodiment, when the billing detail data is confirmed and / or corrected by the AP by the stores and departments in charge of operations and the details are approved, billing data by payee is created (step SG-4). Then, as shown in FIG. 8, in this embodiment, when the billing data by payee is confirmed by the AP by the stores and departments in charge of operations, and payment is approved, payment confirmation data (transfer data) sorted and / or summarized by payment due date and / or by payee of the customer company is created (step SG-5). Then, as shown in Fig. 8, in this embodiment, the accounting department confirms the payment approval and budget of each department, confirms the payment confirmation data using the AP, and if the remittance is approved, the remittance data is created and sent to the bank system 700 (step SG-6). Then, as shown in Fig. 8, in this embodiment, when payment result data is received from the bank system 700, the payment result data is managed, the transfer result is reflected in the transfer data addressed to the company for each payment due date, and the payment result data is stored (step SG-7).

[0111] In this way, in this embodiment, the billing recipient company only needs to confirm the payment details, approve the payment, manage the budget, and approve the remittance, which significantly reduces the amount of work required for stores, departments in charge of operations, and the accounting department, and also makes it easier to manage data after payment has been made.

[0112] Also, as shown in Fig. 9, in "(1) Initial Settings" of this embodiment, when a user company applies to use this service (step SH-1), the system approves the use of the service (step SH-2), and an ID (Identification) and PW (Password) for using the AP of this service are sent to the user company (step SH-3). Then, as shown in Fig. 9, in "(1) Initial Settings" of this embodiment, the AP file is set as the destination for the PDF created by the user company using a scanner or copy machine (step SH-4).

[0113] In this way, in this embodiment, system usage can be reviewed simply by applying via the Web, making the application not only simple, but also allowing the user to start using the system simply by downloading the application from the specified URL when the application ID and password are sent to the user, completing basic registration, and configuring usage settings such as system settings.

[0114] Then, as shown in Fig. 9, in "(2) Reading of invoice" of this embodiment, the invoice is scanned by the store or each department of the user company that receives the invoice from the business partner, a PDF is created, and the data is registered from the AP of a PC or tablet (step SH-5). Then, as shown in Fig. 9, in "(2) Reading of invoice" of this embodiment, the user company checks the registration data based on the PDF from the AP screen, corrects any errors from the AP screen, and approves the data registration if there are no problems (step SH-6).

[0115] In this way, in this embodiment, an invoice is scanned using a scanner or copier configured in the app, the PDF of the invoice is loaded into the app, the user checks the invoice contents, and if the contents are correct, they are registered as OK, and if they are incorrect, they are corrected and then registered as OK.The invoice is then registered as scheduled payment data, and thereafter the user can check the billing details in the app at any time.

[0116] Then, as shown in FIG. 9, in "(3) Payment approval and remittance instruction" of this embodiment, when the user company's stores and each department confirm the payee-specific billing data from the AP and approve the payment (step SH-7), and the user company's accounting department confirms the payment approval and budget for the store and each department and approves the remittance of the payment confirmation data for each customer company, which is sorted and summarized by payment due date and payee from the AP, as shown in FIG. 9, the remittance data is sent to the bank system 700 (step SH-9).

[0117] In this manner, in this embodiment, when each company's scheduled payment data is approved for payment by the person with payment approval authority, it is registered as payment confirmation data, and the payment confirmation data is sorted and summarized by payee up to two business days before the payment due date to create remittance data, and when the remittance is approved by the person with remittance authority, the amount required to be remitted is debited from the designated account, and the remittance data is set in the bank at the same time as the deduction.

[0118] As shown in FIG. 9, in "(4) Confirmation of results, accounting management" of this embodiment, the transfer data reflecting the payment result data transmitted from the bank system 700 is managed (step SH-10).

[0119] In this manner, in this embodiment, the person in charge at the service applying company can search and confirm the registration status of their company's invoices, payment confirmation data, payment schedule data, paid data, and unpaid data, etc., and can import and store this data in their company's system.

[0120] In addition, in this embodiment, the user company can reduce the transportation costs and time required to go to the bank, and can also reduce bank fees for internet remittances. Furthermore, in this embodiment, the user company's workload is significantly reduced, data accuracy is improved, and payment data can be searched and analyzed, and linked to the accounting system.

[0121] [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.

[0122] 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 known methods.

[0123] In addition, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

[0124] Moreover, with regard to the terminal device 100, the server 200, etc., the components shown in the figures are merely conceptual functional components, and do not necessarily have to be physically configured as shown in the figures.

[0125] For example, the processing functions of the terminal device 100 and the server 200, etc., 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 in a non-transient computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the terminal device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into a RAM, and cooperates with the CPU to form a control unit.

[0126] In addition, this computer program may be stored in an application program server connected to the terminal device 100, the server 200, etc. via an arbitrary network 300, and it is also possible to download all or part of it as needed.

[0127] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) Disc.

[0128] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a configuration that is distributed as a plurality of modules or libraries, and a program that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0129] The various databases etc. stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files etc. used for various processes and providing websites.

[0130] The terminal device 100 and the server 200 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The terminal device 100 and the server 200 may be realized by installing software (including programs or data) that causes the device to realize the processing described in this embodiment.

[0131] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in any unit according to 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. [Industrial Applicability]

[0132] The present invention is useful in the financial industry, where mobile payment services are carried out. [Explanation of symbols]

[0133] 100 Terminal Equipment 102 Control section 106 Storage section 112 Input / output section 200 Servers 202 Control section 202a Invoice image acquisition unit 202b Billing Details Acquisition Department 202c Bill Judgment Department 202d Payment Instructions Section 202e Payment destination billing acquisition section 202f Payment Confirmation Acquisition Department 202g Money Transfer Department 202h Display control unit 206 Memory section 206a Invoice Database 206b Claimant Database 300 Network 600 Collection Agent System 602 Control section 602a Payment Execution Department 606 Storage section 606a Registration Database 700 Banking System 702 Control section 706 Storage section

Claims

1. A bill reading and settlement system in which a terminal device having an input / output unit and a bill reading and settlement device having a memory unit and a control unit are communicatively connected, The storage unit is an invoice storage means for storing an invoice master in which invoice items are set; a biller storage means for storing biller data of a biller who wishes to make an online payment of a bill; Equipped with The control unit is a bill image acquisition means for acquiring bill image data of the bill; a billing detail acquisition means for identifying the bill items included in the bill using a machine learning technique based on the bill master and the bill image data, and acquiring billing detail data for each of the bill items; an invoice determination means for determining whether or not the invoice can be paid online based on the invoicer data and the invoice detail data; a billing details confirmation screen display control means for controlling, when the bill determination means determines that the bill is one that can be paid online, to display a billing details confirmation screen on the input / output unit of the terminal device that allows payment processing of the bill; A bill reading and settlement system comprising:

2. The control unit is a payment instruction means for transmitting, when a payment transfer instruction is input via the input / output unit of the terminal device, a payment instruction including the payment data of the invoice to a receiving agent system communicably connected to the invoice reading and settlement device; 2. The bill reading and settlement system according to claim 1, further comprising:

3. The invoice image acquisition means includes:

3. The bill reading and settlement system according to claim 1, wherein when the bill is photographed via the input / output unit of the terminal device, the bill image data of the bill is acquired.

4. The invoice image acquisition means includes:

3. The bill reading and settlement system according to claim 1, wherein when the bill image data of the bill is acquired by the terminal device via a network, the bill image data is acquired.

5. The billing details confirmation screen display control means The invoice reading and payment system described in claim 1, characterized in that if the invoice determination means determines that the invoice is not eligible for online payment, the invoice detail confirmation screen on which the invoice detail data is arranged is controlled to be displayed on the input / output unit of the terminal device.

6. The storage unit of the collection agency system includes: a registration storage means for storing registration data including a registration PIN number of a person who has registered for online payment at said terminal device; Further comprising: The control unit of the collection agency system a payment execution means for confirming, when a payment execution instruction including a PIN is input to a payment screen via the input / output unit of the terminal device, that the PIN matches the registered PIN and executing a payment process for the payment data of the invoice; 3. The bill reading and settlement system according to claim 2, further comprising:

7. The control unit of the collection agency system a payment execution means for executing a payment process for the payment data of the invoice when biometric data serving as a payment execution instruction is input via the input / output unit of the terminal device and biometric authentication is performed; 3. The bill reading and settlement system according to claim 2, further comprising:

8. The storage unit of the collection agency system includes: a registration storage means for storing registration data including a registration PIN number of a person who has registered for online payment at said terminal device; Further comprising: The control unit of the collection agency system a payment execution means for, when biometric data serving as a payment execution instruction is input via the input / output unit of the terminal device and biometric authentication is performed, and when a payment execution instruction including a PIN is input to the payment screen, confirming that the PIN matches the registered PIN and executing a payment process for the payment data of the invoice; 3. The bill reading and settlement system according to claim 2, further comprising:

9. The control unit is a remittance confirmation screen display control means for, when the invoice determination means determines that the invoice is not eligible for online payment, using the machine learning technique to identify the invoice items included in the invoice based on the invoice master and the invoice image data, creating remittance data for the invoice to the biller, and controlling the input / output unit of the terminal device to display a remittance confirmation screen including the remittance data; a remittance means for transmitting the remittance data to a bank system communicably connected to the bill reading and settlement device when payment approval is input via the input / output unit of the terminal device; 3. The bill reading and settlement system according to claim 2, further comprising:

10. The remittance data is 10. The bill reading and settlement system according to claim 9, further comprising a remittance amount and a remittance fee amount.

11. The control unit is a payee-specific billing acquisition means for acquiring payee-specific billing data for each payee based on the biller data and the billing detail data; a payee-specific billing confirmation screen display control means for controlling a payee-specific billing confirmation screen including the payee-specific billing data to be displayed on the input / output unit of the terminal device; a remittance means for creating remittance data based on the payee-specific billing data when payment approval is input via the input / output unit of the terminal device, and transmitting the remittance data to a bank system connected to the bill reading and settlement device so as to be able to communicate with the bill reading and settlement device; 2. The bill reading and settlement system according to claim 1, further comprising:

12. The control unit is a payment confirmation acquisition means for acquiring payment confirmation data obtained by rearranging and / or consolidating the payee-specific billing data when the payment approval is input via the input / output unit of the terminal device; a payment confirmation screen display control means for controlling a payment confirmation confirmation screen including the payment confirmation data to be displayed on the input / output unit of the terminal device; Further comprising: The remittance means is The invoice reading and settlement system according to claim 11, characterized in that when remittance approval is input via the input / output unit of the terminal device, the remittance data is created based on the payment confirmation data, and the remittance data is transmitted to the bank system communicatively connected to the invoice reading and settlement device.

13. The payment confirmation acquisition means includes: The invoice reading and settlement system described in claim 12, characterized in that when the payment approval is input via the input / output unit of the terminal device, the payment confirmation data is obtained by sorting and / or consolidating the invoice data by payee for each payment due date and / or for each payee.

14. The payment confirmation acquisition means includes: When the payment approval is input via the input / output unit of the terminal device, the payment determination data is obtained by rearranging and / or summarizing the payee-specific billing data for each payment due date, The remittance means is The invoice reading and settlement system of claim 12, characterized in that when the remittance approval is input via the input / output unit of the terminal device, the remittance data for each payment due date is created based on the payment confirmation data, and the remittance data is transmitted for each payment due date to the bank system that is communicatively connected to the invoice reading and settlement device.

15. The payee-specific billing acquisition means includes: An invoice reading and settlement system as described in any one of claims 11 to 14, characterized in that when detail approval of the billing detail data is input via the input / output unit of the terminal device, the payee-specific billing data for each payee is obtained based on the biller data and the billing detail data.

16. The control unit is a payment result screen display control means for controlling, when payment result data is received from the bank system, to display the payment result data on the input / output unit of the terminal device; 15. The bill reading and settlement system according to claim 11, further comprising:

17. A bill reading and settlement device having a memory unit and a control unit, which is communicably connected to a terminal device having an input / output unit, The storage unit is an invoice storage means for storing an invoice master in which invoice items are set; a biller storage means for storing biller data of a biller who wishes to make an online payment of a bill; Equipped with The control unit is a bill image acquisition means for acquiring bill image data of the bill; a billing detail acquisition means for identifying the bill items included in the bill using a machine learning technique based on the bill master and the bill image data, and acquiring billing detail data for each of the bill items; an invoice determination means for determining whether or not the invoice can be paid online based on the invoicer data and the invoice detail data; a billing details confirmation screen display control means for controlling, when the bill determination means determines that the bill is one that can be paid online, to display a billing details confirmation screen on the input / output unit of the terminal device that allows payment processing of the bill; A bill reading and settlement device comprising:

18. A bill reading and settlement method to be executed by a bill reading and settlement system in which a terminal device having an input / output unit and a bill reading and settlement device having a storage unit and a control unit are communicatively connected, comprising: The storage unit is an invoice storage means for storing an invoice master in which invoice items are set; a biller storage means for storing biller data of a biller who wishes to make an online payment of a bill; Equipped with Executed by the control unit, an invoice image acquisition step of acquiring invoice image data of the invoice; a billing detail acquisition step of identifying the invoice items included in the invoice using a machine learning technique based on the invoice master and the invoice image data, and acquiring billing detail data for each of the invoice items; an invoice determination means for determining whether or not the invoice can be paid online based on the invoicer data and the invoice detail data; a billing details confirmation screen display control step of controlling, when the bill determination means determines that the bill is one that can be paid online, to display a billing details confirmation screen that allows payment processing of the bill to be executed on the input / output unit of the terminal device; A bill reading and settlement method comprising:

19. A bill reading and settlement method to be executed by a bill reading and settlement device having a storage unit and a control unit, the bill reading and settlement device being communicably connected to a terminal device having an input / output unit, The storage unit is an invoice storage means for storing an invoice master in which invoice items are set; a biller storage means for storing biller data of a biller who wishes to make an online payment of a bill; Equipped with Executed by the control unit, an invoice image acquisition step of acquiring invoice image data of the invoice; a billing detail acquisition step of identifying the invoice items included in the invoice using a machine learning technique based on the invoice master and the invoice image data, and acquiring billing detail data for each of the invoice items; an invoice determination means for determining whether or not the invoice can be paid online based on the invoicer data and the invoice detail data; a billing details confirmation screen display control step of controlling, when the bill determination means determines that the bill is one that can be paid online, to display a billing details confirmation screen that allows payment processing of the bill to be executed on the input / output unit of the terminal device; A bill reading and settlement method comprising:

20. A bill reading and settlement program to be executed by a bill reading and settlement device having a storage unit and a control unit, the bill reading and settlement device being communicably connected to a terminal device having an input / output unit, The storage unit is an invoice storage means for storing an invoice master in which invoice items are set; a biller storage means for storing biller data of a biller who wishes to make an online payment of a bill; Equipped with In the control unit, an invoice image acquisition step of acquiring invoice image data of the invoice; a billing detail acquisition step of identifying the invoice items included in the invoice using a machine learning technique based on the invoice master and the invoice image data, and acquiring billing detail data for each of the invoice items; an invoice determination means for determining whether or not the invoice can be paid online based on the invoicer data and the invoice detail data; a billing details confirmation screen display control step of controlling, when the bill determination means determines that the bill is one that can be paid online, to display a billing details confirmation screen that allows payment processing of the bill to be executed on the input / output unit of the terminal device; An invoice reading and payment program for executing the above.

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