Program, processing apparatus, and processing method

Abstract

To provide a program, a processing apparatus and a processing method which can make it possible to preferably make transfer of money based on voucher information.SOLUTION: In a computer having at least one processor, a program according to the present invention makes the at least one processor function to execute processing for receiving voucher information indicating a monetary amount, specifying a transfer destination on the basis of the voucher information, generating instructions to transfer the monetary amount of money to the transfer destination, and transmitting the instructions to a bank server apparatus managed by a bank.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to a program, a processing device, and a processing method for transferring money based on voucher information. [Background technology]

[0002] Conventionally, systems for performing transfer processing based on voucher information such as invoices have been known. For example, Patent Document 1 describes a program for implementing a function to extract a combination of multiple documents as candidates for vouchers for one invoice, a function to compare the total amount of each candidate with the amount of the invoice, and a function to present each candidate together with the result of the comparison to a user. However, the technology disclosed in Patent Document 1 does not clearly explain how to handle the result of the comparison, and there is room for further improvement. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-133739 A Summary of the Invention [Problem to be solved by the invention]

[0004] In light of the above-mentioned technology, the present disclosure provides a program, a processing device, and a processing method that enable a money transfer based on certificate information to be suitably carried out. [Means for solving the problem]

[0005] According to one aspect of the present disclosure, there is provided a "program for causing a computer having at least one processor to execute a process for receiving voucher information indicating an amount, identifying a transfer destination based on the voucher information, generating instructions to transfer the amount of money to the transfer destination, and transmitting the instructions to a bank server device managed by the bank."

[0006] According to one aspect of the present disclosure, there is provided a processing device having at least one processor, the at least one processor being configured to execute a process of receiving voucher information indicating an amount, identifying a transfer destination based on the voucher information, generating instructions to transfer the amount of money to the transfer destination, and transmitting the instructions to a bank server device managed by a bank.

[0007] According to one aspect of the present disclosure, there is provided a "processing method executed by at least one processor in a computer having the at least one processor, the processing method including the steps of receiving voucher information indicating an amount, identifying a transfer destination based on the voucher information, generating an instruction to transfer the amount of money to the transfer destination, and transmitting the instruction to a bank server device managed by a bank." Effect of the Invention

[0008] According to the present disclosure, it is possible to provide a program, a processing device, and a processing method for suitably transferring money based on voucher information.

[0009] It should be noted that the above effects are merely illustrative for the convenience of explanation and are not limiting. In addition to or in place of the above effects, any effect described in this disclosure or any effect obvious to a person skilled in the art may be achieved. [Brief description of the drawings]

[0010] [Figure 1] FIG. 1 is a conceptual diagram illustrating a schematic configuration of a processing system 1 according to the present disclosure. [Figure 2A] FIG. 2A is a block diagram illustrating an example of a configuration of a terminal device 100 according to an embodiment of the present disclosure. [Figure 2B] FIG. 2B is a block diagram showing an example of the configuration of the transfer server device 200 according to the present disclosure. [Figure 3A]FIG. 3A is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 3B] FIG. 3B is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 3C] FIG. 3C is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 3D] FIG. 3D is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 3E] FIG. 3E is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 3F] FIG. 3F is a diagram conceptually showing an information table stored in the transfer server device 200 according to the present disclosure. [Figure 4] FIG. 4 is a diagram showing a processing sequence executed in the processing system 1 according to the present disclosure. [Figure 5A] FIG. 5A is a diagram showing a process flow executed in the transfer server device 200 according to the present disclosure. [Figure 5B] FIG. 5B is a diagram showing a process flow executed in the transfer server device 200 according to the present disclosure. [Figure 5C] FIG. 5C is a diagram showing a process flow of the update process executed in the transfer server device 200 according to the present disclosure. [Figure 6] FIG. 6 is a diagram showing a process flow executed in the applicant terminal device 100-1 according to the present disclosure. [Figure 7] FIG. 7 is a diagram showing a process flow executed in the bank server device 300 according to the present disclosure. [Figure 8A] FIG. 8A is an example of an image displayed on the display of applicant terminal device 100-1 according to the present disclosure. [Figure 8B] FIG. 8B is an example of an image displayed on the display of the approver terminal device 100-2 according to the present disclosure. [Figure 8C]FIG. 8C is an example of an image displayed on the display of the approver terminal device 100-2 according to the present disclosure. [Figure 8D] FIG. 8D is an example of an image displayed on the display of the approver terminal device 100-2 according to the present disclosure. [Figure 9A] FIG. 9A is a diagram showing a process flow executed in a transfer server device 200 according to another embodiment of the present disclosure. [Figure 9B] FIG. 9B is a diagram showing a process flow executed in the bank server device 300 according to another embodiment of the present disclosure. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Various embodiments of the present disclosure will now be described with reference to the accompanying drawings, in which common elements are designated by the same reference numerals.

[0012] 1. Overview of the Processing System According to the Present Disclosure The processing system according to the present disclosure mainly includes an applicant terminal device, an approver terminal device, a transfer server device, and a bank server device. In one example of the processing system, when an applicant receives a voucher document such as an invoice, the applicant terminal device accepts voucher information obtained by photographing the voucher document. When the transfer server device receives the voucher information accepted by the applicant terminal device, the transfer server device generates first setting information based on the voucher information and transmits it to the applicant terminal device. In the first setting information, a category for at least one item is set based on the voucher information. The applicant terminal device accepts a change operation by the applicant for the first setting information, and transmits an approval request including second setting information to the approver terminal device. The approver terminal device accepts a change and approval operation by the approver for the second setting information, and transmits an approval response including third setting information to the transfer server device. Then, the transfer server device executes a transfer process for the bank server device based on the third setting information.

[0013] In this way, the processing system according to the present disclosure can reduce the applicant's work of setting categories by photographing a voucher document to obtain voucher information on which an amount is written, and by setting a category for at least one item based on the voucher information. In this disclosure, "money" is not limited to Japanese yen, but can include any currency having economic value such as foreign currency, virtual currency, and so-called points in place of cash. In addition, "amount" is not limited to Japanese yen, but can include any currency having economic value such as foreign currency, virtual currency, and so-called points in place of cash in place of cash, as long as it is equivalent to the amount of money.

[0014] Furthermore, in this disclosure, "certificate information" simply means information for a specified certification. This "certificate information" may include not only photographed information of a paper certificate document, but also electronic information of an electronic certificate document, photographed information of a paper receipt, electronic information of an electronic receipt, and e-mails. In other words, "certificate information indicating an amount" may be information that certifies a monetary transaction that has occurred in the past, present, or will occur in the future. Furthermore, "certificate information" may include, in addition to invoices and receipts, estimates, purchase orders, delivery notes, contracts, purchase orders, and pay slips, but is not limited to these.

[0015] Furthermore, in this disclosure, an "item" merely means a product or service. Furthermore, an "item" may be one that is clearly stated in the "certificate information", or one that is inferred from the "certificate information". Furthermore, in this disclosure, a "category" merely means information for classifying an "item". Examples of this "category" include, but are not limited to, account headings, sub-headings, and tax classifications.

[0016] In addition, in this disclosure, the "transfer destination" simply means an entity that accepts the amount of money stated in the "certificate information." One example of this "transfer destination" is a bank account. However, the "transfer destination" is not limited to a bank account, and may be a virtual currency account, an electronic currency account, an address for accepting money by mail, etc.

[0017] In addition, in this disclosure, the "processing device" may include any of the applicant terminal device, the approver terminal device, the transfer server device, and the bank server device. Although the applicant terminal device, the approver terminal device, the transfer server device, and the bank server device are described as separate devices, they may also be used as an integrated processing device.

[0018] In addition, in this disclosure, the term "user" simply means a person involved in the processing system according to the present disclosure. Examples of the "user" include, but are not limited to, an applicant for the processing system according to the present disclosure, an approver, an administrator of a transfer server device, and an administrator of a bank server device.

[0019] 2. Configuration of Processing System 1 Fig. 1 is a conceptual diagram showing an outline of the configuration of a processing system 1 according to the present disclosure. Referring to Fig. 1, processing system 1 includes applicant terminal device 100-1, approver terminal device 100-2, transfer server device 200, and bank server device 300. Furthermore, applicant terminal device 100-1, approver terminal device 100-2, transfer server device 200, and bank server device 300 are communicatively connected to each other via a wireless and / or wired network.

[0020] An example of the applicant terminal device 100-1 and the approver terminal device 100-2 is a portable terminal device capable of wireless communication, such as a smartphone. The transfer server device 200 stores and manages various information required to execute the processing system 1, such as voucher information and setting information inputted in the applicant terminal device 100-1 and the approver terminal device 100-2, and transmits and receives various information between the applicant terminal device 100-1 and the approver terminal device 100-2. The detailed configuration and processing will be described later. The bank server device 300 is a server device managed by a bank. Specifically, when the bank server device 300 receives an instruction such as a money transfer from a user via the Internet, it executes the transfer process in accordance with the instruction.

[0021] 1, only one applicant terminal device 100-1 and one approver terminal device 100-2 are shown, but it is possible to include two or more of each device. Also, although the transfer server device 200 and the bank server device 300 are shown as single devices, it is also possible to distribute the components and processes of each server device to multiple server devices or cloud server devices.

[0022] 1, the applicant terminal device 100-1 and the approver terminal device 100-2 are described separately from each other, but they may be collectively referred to as terminal device 100. However, even in such a case, each terminal device is merely referred to collectively, and does not mean that the applicant terminal device 100-1 and the approver terminal device 100-2 have the same process or configuration.

[0023] 3. Configuration of the Terminal Device 100 Fig. 2A is a block diagram showing an example of the configuration of a terminal device 100 according to an embodiment of the present disclosure. The terminal device 100 does not need to include all of the components shown in Fig. 2A, and may have a configuration in which some components are omitted, or other components may be added. Note that, although the configurations of the applicant terminal device 100-1 and the approver terminal device 100-2 are described here as terminal device 100, the applicant terminal device 100-1 and the approver terminal device 100-2 may have the same configuration or different configurations.

[0024] The terminal device 100 is typically a terminal device capable of wireless communication, such as a smartphone, but is not limited to this device. For example, the terminal device may be a feature phone, a personal digital assistant, a PDA, a laptop computer, a desktop computer, a portable game machine, a stationary game machine, or any other device capable of executing the program according to the present disclosure. In addition, the terminal device 100 in the processing system 1 may include a plurality of terminal devices, but each terminal device does not have to be the same type of terminal device, and may be a different type of terminal device. According to FIG. 2A, the terminal device 100 includes an output interface 111, a processor 112, a memory 113 including a RAM, a ROM, or a non-volatile memory (in some cases, an SSD), etc., a communication interface 114 including a communication processing circuit and an antenna, and an input interface 115 including a touch sensor and a hard key. These components are electrically connected to each other via a control line and a data line.

[0025] The output interface 111 functions as an output unit that outputs images captured by a camera included in the input interface 115 and various displays output by executing the program according to the present disclosure to devices such as a display or a printer in response to an instruction from the processor 112. Note that such a display is, for example, a liquid crystal display, an organic EL display, or electronic paper.

[0026] Processor 112 is composed of a CPU (microcomputer) and functions as a control unit that controls other connected components based on various programs stored in memory 113. Specifically, processor 112 reads out from memory 113 a program for executing an application according to the present disclosure and a program for executing an OS, and executes them. In the present disclosure, processor 112 particularly executes each process and the like described in the process flow of FIG. 6 (details of the process are described in FIG. 6 and the like). Processor 112 may be composed of a single CPU, or may be composed of a combination of multiple CPUs and GPUs.

[0027] The memory 113 includes a main storage device such as a ROM, a RAM, a non-volatile memory, and an auxiliary storage device such as a HDD or an SSD, and functions as a storage unit. The ROM stores instructions for executing the application and the OS according to the present disclosure as a program. The RAM is used for writing and reading data while the program stored in the ROM is being processed by the processor 112. The non-volatile memory is a memory into which data is written and read by the execution of the program, and the data written therein is saved even after the execution of the program is terminated. In the present disclosure, the memory 113 particularly stores a program for executing each process and the like described in the process flow of FIG. 6 (details of the process are described in FIG. 6 and the like).

[0028] The communication interface 114 functions as a communication unit that transmits and receives information to and from the remotely installed transfer server device 200 via a communication processing circuit and an antenna. The communication processing circuit processes the programs and various information used in the processing system 1 to transmit and receive information from the transfer server device 200 according to the progress of processing. In the present disclosure, the applicant terminal device 100-1, as an example of the terminal device 100, transmits image data of the certificate document 400 as certificate information to the transfer server device 200 via the communication interface 114, receives first setting information from the transfer server device 200, and transmits second setting information to the transfer server device 200. Also, in the present disclosure, the approver terminal device 100-2, as an example of the terminal device 100, receives second setting information based on certificate information from the transfer server device 200 via the communication interface 114, and transmits third setting information to the transfer server device 200.

[0029] The communication processing circuit processes based on a wideband wireless communication system such as the 5G system, but can also process based on a system related to narrowband wireless communication such as wireless LAN such as IEEE802.11 or Bluetooth (registered trademark) or a system related to non-contact wireless communication. Also, wired communication can be used instead of or in addition to wireless communication.

[0030] The input interface 115 is composed of a touch panel, hard keys, a camera, a microphone, etc., and functions as an input unit that accepts instruction inputs related to the execution of the program according to the present disclosure and operation inputs for registering various information. The touch panel is arranged to cover the output interface 111, and transmits position coordinate information corresponding to image data output from the output interface 111 to the display to the processor 112. As the touch panel method, known methods such as a resistive film method, a capacitive coupling method, and an ultrasonic surface acoustic wave method can be used. In the present disclosure, the touch panel detects a swipe operation or a tap operation on each icon, etc. displayed on the output interface 111 by an indicator. In the present disclosure, the input interface 115 inputs image data of the certificate document 400 as the certificate information by activating the camera. Note that, although the input interface 115 provided in the terminal device 100 is used in the present disclosure, it is also possible to use an input interface 115 connected wirelessly or by wire to a main body provided with the processor 112, etc., such as a mouse. The camera and microphone included in the input interface 115 are devices that can detect external images and sounds. The camera and microphone may be built into the terminal device 100, or may be external devices connected to the terminal device 100 so as to be capable of communicating wirelessly or via wires.

[0031] 4. Configuration of the Transfer Server Device 200 Fig. 2B is a block diagram showing an example of the configuration of the transfer server device 200 according to the present disclosure. The transfer server device 200 does not need to include all of the components shown in Fig. 2B, and may have a configuration in which some components are omitted, or other components may be added. In addition, the transfer server device 200 may include the components shown in Fig. 2B distributed across multiple devices.

[0032] 2B, the transfer server device 200 includes memory 211 including RAM, ROM, non-volatile memory, HDD, etc., processor 212 including a CPU, etc., output interface 213, and communication interface 214. These components are electrically connected to each other via control lines and data lines. In this embodiment, database 215 storing various information may be connected via communication interface 214. In this disclosure, the memory included in the server device may mean any of the following cases, except where specified: memory 211 only, database 215 only, or both memory 211 and database 215.

[0033] The memory 211 includes a RAM, a ROM, a non-volatile memory, and a HDD, and functions as a storage unit. The memory 211 stores instructions for executing the application and the OS according to this embodiment as a program. Such a program is loaded and executed by the processor 212. The memory 211 also stores the voucher information table shown in FIG. 3A and FIG. 3B, the applicant information table shown in FIG. 3C, the customer information table stored in FIG. 3D, the item information table stored in FIG. 3E, and the category information table stored in FIG. 3F. Furthermore, the memory 211 (particularly the RAM) is temporarily used to execute data writing and reading while the above programs are executed by the processor 212. In this embodiment, the memory 211 particularly stores programs for executing a process of accepting voucher information via the communication interface 214, a setting process based on the accepted voucher information, a process of storing a transfer reservation in the memory 211, and a transfer process.

[0034] The processor 212 is composed of a CPU (microcomputer) and functions as a control unit for controlling other connected components based on various programs stored in the memory 211. In this embodiment, the memory 211 particularly executes a process for accepting voucher information via the communication interface 214, a setting process based on the accepted voucher information, a process for storing a transfer reservation in the memory 211, a transfer process, etc. The processor 312 may be composed of a single CPU, or may be composed of multiple CPUs.

[0035] For example, the communication interface 214 functions as a communication unit that performs processes such as modulation and demodulation in order to transmit and receive programs and various information used in the system according to the present disclosure with the applicant terminal device 100-1 and the approver terminal device 100-2 via a network, or with other server devices via a network. The communication interface 214 communicates with each terminal device and other server devices according to the above-mentioned wireless communication method or a known wired communication method. In the present disclosure, the transfer server device 200 receives voucher information from the applicant terminal device 100-1 via the communication interface 214. In the present disclosure, the transfer server device 200 transmits first setting information to the applicant terminal device 100-1 and receives second setting information from the applicant terminal device 100-1 via the communication interface 214. In the present disclosure, the transfer server device 200 transmits second setting information to the approver terminal device 100-2 via the communication interface 214. In addition, in the present disclosure, information communication based on the confirmation process and the transfer process is executed with the bank server device 300 via the communication interface 214.

[0036] The output interface 213 functions as an information input / output unit for inputting and outputting information to and from various external devices such as a printer, a display, etc. The output interface 213 can adopt a known connection format such as a serial port, a parallel port, a USB, etc. as desired.

[0037] 5. Information stored in memory 211 3A to 3F are diagrams conceptually showing information tables stored in the transfer server device 200 according to the present disclosure. In the present disclosure, a case will be described in which various information tables are stored in the transfer server device 200, but the various tables may also be stored in the applicant terminal device 100-1 and the approver terminal device 100-2, and the bank server device 300, or the various tables may be stored in a database 215 communicably connected to the transfer server device 200 via a network. In this case, the transfer server device 200 temporarily reads out the information stored in the database 215 into the memory 211 in the transfer server device 200 as the processing progresses, and processes it.

[0038] 3A and 3B, the certificate information table stores, in association with the certificate ID information, applicant ID information, customer ID information, transfer amount information, billing date information, scheduled transfer date information, payment deadline information, item name information, category ID information, status information, approver information, and the like. "Certificate ID information" is identification information that is generated, for example, when the transfer server device 200 receives certificate information from the applicant terminal device 100-1. "Applicant ID information" is identification information that is set in advance in association with the applicant. Note that the "applicant ID information" may be associated with the applicant terminal device 100-1, and thus associated with the applicant who is the owner of the applicant terminal device 100-1. "Customer ID information" is identification information that indicates the claimant who will be billed for expenses using the certificate information. This "customer ID information" is newly generated, for example, when the transfer server device 200 receives voucher information and the customer name is not stored in the customer information table described below, and is identified based on the customer information table if the customer name is stored in the customer information table. Also, as for the "customer ID information," the applicant ID is registered when the claimant is the applicant, as described in detail below.

[0039] "Transfer amount information" is information indicating the amount of money to be transferred to the transfer destination of the business partner in the transfer process described below. "Billing date information" is information indicating the creation date of the voucher document 400. Note that the "billing date information" may be the date on which the transfer server device 200 received the voucher information. "Scheduled transfer date information" is information indicating the date on which money will be transferred to the transfer destination of the business partner in the transfer process in an amount based on the "transfer amount information". Note that the "scheduled transfer date information" may be set to detailed times such as the hour, minute, and second of the transfer date. "Payment deadline information" is information indicating the payment deadline for money based on the voucher information. As an example, the "payment deadline information" indicates the date and time of the payment deadline written on the voucher document 400.

[0040] "Item name information" is information indicating, for example, a single or multiple item names written on the certificate document 400. Note that the "item name information" may be an item name estimated from the contents of the certificate information, etc. "Category ID information" is identification information for the category to which the item in the "item name information" belongs. In other words, a category is information for classifying items. For example, a category includes account items, sub-items, and tax classifications. "Status information" is information indicating the current status of the corresponding certificate ID. As an example, the "status information" is set to any one of "awaiting approval request", which indicates the state (period) from when the transfer server device 200 receives the certificate information from the applicant terminal device 100-1 until when it receives the approval request, "awaiting approval response", which indicates the state (period) from when the transfer server device 200 transmits the approval request to the approver terminal device 100-2 until it receives the approval response described below, "awaiting transfer processing", which indicates the state (period) from when the transfer server device 200 receives the approval response until when the transfer processing described below is completed, and "transfer completed", which indicates that the transfer processing is completed. "Approver information" is information indicating an individual who approves the execution of the payment processing in response to a request for payment processing for the certificate document 400 by the applicant. Specific examples of approvers include the applicant's superior and an accountant in the company to which the applicant belongs.

[0041] According to FIG. 3C, the applicant information table stores name information, payment source information, company name information, department name information, approval authority information, target approver information, item history information, and the like, in association with applicant ID information. "Name information" is information indicating the name of the applicant. "Payment source information" is information indicating a bank account, etc., from which money corresponding to the transfer amount information is withdrawn in a transfer process. This "payment source information" is, for example, the account number of the bank account of the company to which the applicant belongs. Note that the "payment source information" is not limited to the account number of a bank account, and may be a so-called credit card number, a virtual currency identification number, an account number for electronic currency, and the like. "Company name information" is information indicating the name of the company to which the applicant belongs. "Department name information" is information indicating the name of the department in the company to which the applicant belongs. "Approval authority information" is information for determining whether or not the applicant corresponding to the applicant ID has the authority as an approver. In other words, if an applicant has authority as an approver for other applicants, the "approval authority information" will be "yes", and if the applicant does not have authority as an approver, the "approval authority information" will be "no". "Target approver information" is information for identifying the approver who will approve the application by the applicant. For example, the applicant ID corresponding to the approver is set in advance as this "target approver information". "Item history information" is information indicating items in voucher information applied for in the past by an applicant associated with the applicant ID. This "item history information" can store multiple items. In other words, the "item history information" can store items set in applications by past applicants by the applicant applying for transfer processing using voucher information multiple times.

[0042] 3D, the customer information table stores customer name information, transfer destination information, etc. in association with customer ID information. "Customer name information" is information indicating the name of the customer (e.g., company name). "Transfer destination information" is, for example, the bank account of the customer listed on the certificate document 400.

[0043] According to FIG. 3E, the item information table stores item name information, initial category ID information, historical category ID information, etc., in association with applicant ID information. "Item name information" is information indicating the item related to the certificate. For example, it indicates the item written in the "item name information." The item may be set based on the context of the certificate document 400, the name of the claimant (i.e. the name of the business partner), the amount, etc. "Initial category ID information" is information identifying a category that the operator has set in advance in association with the "item name information." "Historical category ID information" is information identifying a category corresponding to the item information, which has been set based on a category ID that was previously set.

[0044] As shown in FIG. 3F, the category information table stores account item information, sub-account item information, tax category information, etc., in association with category ID information. "Account item information" is information indicating the classification items of items assigned to a specific item. "Sub-account item information" is information indicating the classification items that further classify "account item information." "Tax category information" is information indicating whether or not something is subject to taxation, and if so, the tax category. In other words, "category" is a general term for all of these.

[0045] 6. Processing sequence executed in the processing system 1 Fig. 4 is a diagram showing a processing sequence executed in the processing system 1 according to the present disclosure. Specifically, Fig. 4 is a diagram showing a processing sequence executed from when an applicant obtains a new certificate document to when the applicant is notified that the amount of money stated on the certificate document has been transferred to the transfer destination, among various processes executed between the applicant terminal device 100-1, the approver terminal device 100-2, the transfer server device 200, and the bank server device 300.

[0046] According to FIG. 4, the processing sequence is started when the applicant accepts the certificate document 400 and launches an accounting application (first application) for executing the processing related to the present disclosure in the applicant terminal device 100-1 (S11). When the accounting application is launched, the applicant terminal device 100-1 controls to acquire certificate information (S12). Specifically, the applicant terminal device 100-1 activates the camera by the applicant's operation to photograph the certificate document 400 and accepts the image data as the certificate information. The applicant terminal device 100-1 then controls to transmit the accepted image data as the certificate information via the communication interface 114 (T11). Note that the certificate information may be acquired, for example, by scanning with a scanner capable of communicating with the applicant terminal device 100-1 via wired or wireless communication, by receiving electronic data of the certificate information via the Internet, or by the applicant's operation to input character information into the applicant terminal device 100-1, etc.

[0047] When the transmitted image data is received by the transfer server device 200 via the communication interface 214, the transfer server device 200 executes an extraction process to extract character information from the image data (S13). After executing the extraction process, the transfer server device 200 executes a setting process to generate first setting information (S14). Specifically, in the setting process, the transfer server device 200 first sets a billing ID in the voucher information table. Next, the transfer server device 200 sets each item corresponding to the set billing ID based on the character information extracted by the extraction process (FIGS. 3A and 3B). The extraction process and the setting process will be described in detail later.

[0048] After the setting process, the transfer server device 200 transmits the first setting information generated by the setting process to the applicant terminal device 100-1 (T11). The applicant terminal device 100-1, which has received the first setting information, displays an image based on the first setting information on a display and accepts operations by the applicant (S15). Operations by the applicant include modification of the first setting information generated by the setting process and change operations such as adding items that could not be extracted in the extraction process. The applicant terminal device 100-1 then transmits an approval request including second setting information based on the change operation to the transfer server device 200 (T13). The approval request is received by the transfer server device 200 and then transferred to the approver terminal device 100-2 (T14). The approver terminal device 100-2, which has received the approval request, accepts an approval response through the approver's operation (S16). When receiving the approval response, the approver terminal device 100-2 accepts any corrections to the second setting information made by the approver's operation, and generates third setting information, in the same manner as in step S15.

[0049] Thereafter, the approver terminal device 100-2 transmits an approval response including the third setting information to the transfer server device 200 (T15). The transfer server device 200 executes a confirmation process based on the approval response, and then stores the transfer reservation (S17). Specifically, the confirmation process, which will be described in detail later, is a process in which the approver terminal device 100-2 and the bank server device 300 communicate with each other to confirm that the transfer reservation is as intended by the approver. The transfer server device 200 also stores the difference between the second setting information stored when the approval request was received and the third setting information included in the approval response. The transfer server device 200 then transmits an approval response to the approval request to the applicant terminal device 100-1 (T16). That is, by transmitting the approval response to the applicant terminal device 100-1, the transfer server device 200 can, for example, pop up an image related to the approval response on the display of the applicant terminal device 100-1, thereby notifying the applicant that the application related to the application request has been approved by the approver. Note that in step S17, the information stored in the voucher information table may be replaced with the third setting information included in the approval response (T15).

[0050] Thereafter, as time passes and the date becomes the scheduled transfer date, the transfer server device 200 executes the transfer process by communicating with the bank server device 300 (S18). When the transfer process is completed normally, the transfer completion information is transmitted to the applicant terminal device 100-1 and the approver terminal device 100-2 (T17 and T18). Having received the transfer completion information, the applicant terminal device 100-1 and the approver terminal device 100-2 each display on their display that the transfer process has been completed normally (S19 and S20). This completes the processing sequence. In the above explanation, the transfer completion information is transmitted to the applicant terminal device 100-1 and the approver terminal device 100-2 after the transfer process is completed normally (T17 and T18), but such processing does not have to be performed, and the transfer completion information may be transmitted in response to a request from the applicant terminal device 100-1 and the approver terminal device 100-2.

[0051] 7. Processing flow executed by the transfer server device 200 5A and 5B are diagrams showing a process flow executed in the transfer server device 200 according to the present disclosure. The process flow is started by the processor 212 of the transfer server device 200 reading and executing a program stored in the memory 211 upon receipt of the certificate information from the applicant terminal device 100-1. When the certificate information is received from the applicant terminal device 100-1 (S101), the processor 212 executes an extraction process (S102). Specifically, the extraction process includes a so-called OCR (Optical Character Recognition / Reader) process for extracting characters written on the certificate document 400 as character information, a process for extracting the position of the character information in the certificate document 400, the size of the character information, and the like. Note that, for example, if the extraction process is for an electronic medium that already contains character information, it is not necessary to execute an OCR process, and the above-mentioned processes in the extraction process are merely examples, and it is not necessary to include all of them, and only a part of them may be executed, and it may not be executed depending on the form of the certificate information.

[0052] After executing the extraction process, the processor 212 executes a setting process (S103 to S109). In the setting process, the processor 212 sets each item in the certificate information table, such as the "certificate ID", based on the extracted information extracted by the extraction process (S103). Specifically, the processor 212 generates and sets a new "certificate ID", identifies an "applicant ID" based on the applicant terminal device 100-1 that transmitted the certificate information to the transfer server device 200, and sets the "applicant ID" in the certificate information table in association with the "certificate ID". The processor 212 also identifies and sets the "certificate type" based on, for example, an operation of selecting the "certificate type" by the applicant. The processor 212 may identify and set the "certificate type" based on, for example, a character string, a position and a size of the characters, and the like, included in the extracted information. Specifically, the processor 212 may identify the "certificate type" as "invoice" when it determines, for example, from the certificate information that the word "invoice" is written relatively large in the upper center of the certificate document 400. Also, for example, if it is determined from the certificate information that the word "receipt" is written relatively large in the upper center of the certificate document 400, the "certificate type" may be identified as "receipt." The method of identifying the "certificate type" is not limited to the above. If the certificate information contains words requesting payment such as "demand" or "please pay," the "certificate type" may be identified as "invoice," or if it is determined that the certificate document 400 has an elongated outer shape like a receipt, the "certificate type" may be identified as "receipt." Furthermore, the "certificate type" is not limited to "invoice" and "receipt," and if the certificate document 400 is a "transfer statement" indicating that money has been transferred via a bank or the like, the "certificate type" may be identified as a "transfer confirmation."

[0053] After setting the "Certificate ID" and other items in the certificate information table in step S103, the processor 212 sets each item in the certificate information table except for the "Category ID" in accordance with steps S104 to S106. In step S104, if the "Certificate Type" is an invoice (Yes), the process proceeds to step S105, and if the "Certificate Type" is not an invoice (No), the process proceeds to step S106. In step S105, the processor 212 identifies the business partner name based on the character string, character position, character size, and other information included in the extracted information, and sets the "Business Partner ID", "Transfer Amount", "Invoice Date", "Payment Deadline", and "Item Name" in the certificate information table in association with the "Certificate ID". The processor 212 also sets the day corresponding to the "Payment Deadline" as the "Scheduled Transfer Date" in association with the "Certificate ID" in the certificate information table. The processor 212 also sets the "Target Approver" corresponding to the "Applicant ID" as the "Approver" in association with the "Certificate ID" based on the applicant information table. The processor 212 also sets the "status" as "waiting for approval request" in the voucher information table in association with the "voucher ID."

[0054] On the other hand, in step S106, the processor 212 sets the "applicant ID" to the "client ID", and sets the "transfer amount", "billing date", and "item name" in the voucher information table in correspondence with the "voucher ID" based on the character string, character position, and size, etc., included in the extracted information. In addition, if the applicant is a company employee, the processor 212 sets the "scheduled transfer date" and "payment deadline" to dates that are set in advance, for example, by the applicant operating the applicant terminal device 100-1 or the approver operating the approver terminal device 100-2. Examples of such dates include the applicant's payday, the 25th, and the end of the month, etc., of the relevant month. The "scheduled transfer date" and "payment deadline" may be changed, for example, by the applicant operating the applicant terminal device 100-1 in the above-mentioned step S15, or by the approver operating the approver terminal device 100-2 in the above-mentioned step S16. Furthermore, processor 212 sets the "target approver" corresponding to the "applicant ID" as the "applicant" in the voucher information table in association with the "certificate ID" based on the applicant information table. Processor 212 also sets the "status" as "waiting for approval request" in association with the "certificate ID" in the voucher information table. Note that, as an example, in the above description, if the "certificate type" is not an invoice (No in step S103), it is set as a receipt (S106), but different processes may be executed depending on the certificate type, and depending on the certificate type, this flow may end without executing the processes from step S103 onwards.

[0055] After setting each item in the certificate information table except for the "category ID" in step S105 or step S106, processor 212 sets the "category ID" in accordance with steps S107 to S109. It is determined whether the "item name" in the extracted information is an item that has not been set based on the certificate information previously received from applicant terminal device 100-1 (i.e., it is a first item) (S107). Specifically, in step S107, it is determined whether the "item history information" corresponding to the "applicant ID" related to applicant terminal device 100-1 includes an "item name" corresponding to the "certificate ID" based on the applicant information table. If it is determined to be a first item (Yes), an initial category ID is set in the "category ID" of the certificate information table based on the category information table (S108), and if it is determined to be not a first item (No), a "history category ID" is set in the "category ID" of the certificate information table based on the category information table (S109). The initial category ID is a category ID that is set in advance to correspond to the "item name" by, for example, an operator of the processing system 1 according to the present disclosure. The history category ID is a category ID that is set in advance to correspond to the "item name" based on a category that was previously set by the applicant by operating the applicant terminal device 100-1. The update process for setting the history category ID will be described later.

[0056] When the items in the certificate information table are set by the setting process (S103 to S109) and the first setting information is generated, the first setting information is transmitted to the applicant terminal device 100-1 (S110). Thereafter, when an approval request is received from the applicant terminal device 100-1 by operation of the applicant (S111), the changes in the second setting information included in the approval request are stored in the certificate information table (S112), and the approval request is transferred to the approver terminal device 100-2 (S113). Thereafter, when an approval response to the approval request is received from the approver terminal device 100-2 (S114), the transfer reservation is stored (S115), and the approval response is transferred to the applicant terminal device 100-1 (S116). Here, storing the transfer reservation includes storing the difference between the second setting information stored by the processor 212 when the approval request was received and the third setting information included in the approval response, as described above. Furthermore, storing the transfer reservation includes changing the "status" in the voucher information table to "waiting for transfer processing."

[0057] Thereafter, processor 212 repeats step S117 over time until the date becomes the scheduled transfer date (No in step S117), and when the date becomes the scheduled transfer date (Yes in step S117), it determines whether the status is "waiting for transfer processing" or not (step S118). If it determines that the status is not "waiting for transfer processing" (No), it ends this processing flow, and if it determines that the status is "waiting for transfer processing" (Yes), it executes the transfer processing (S119). Specifically, in the transfer processing, processor 212 first extracts the payment source information, transfer destination information, and transfer amount from each information table based on the voucher ID, and transmits an instruction including this information to bank server device 300 to transfer the transfer amount from the payment source to the transfer destination.

[0058] Upon receiving this information, the bank server device 300 transfers an amount equivalent to the transfer amount from the bank account specified from the payment source information to the bank account specified from the transfer destination information. Thereafter, the processor 212 of the transfer server device 200 transmits to the applicant terminal device 100-1 transfer completion information indicating that the bank server device 300 has completed the transfer process for transferring an amount equivalent to the transfer amount to the transfer destination (S120). This concludes the series of processing flows executed by the processor 212 of the transfer server device 200.

[0059] 8. Processing flow executed by applicant terminal device 100-1 FIG. 6 is a diagram showing a process flow executed in the applicant terminal device 100-1 according to the present disclosure. According to FIG. 6, the processor 112 of the applicant terminal device 100-1 acquires image data as the certificate information by, for example, activating a camera to capture the certificate document 400 (S121). The certificate document 400 may be acquired not only as a paper medium but also as electronic data such as PDF, and not only as a predetermined format or form but also as text via e-mail or the like. The certificate information is not limited to an invoice but may be a receipt as described above. Receipts may include receipts, withdrawal slips, and usage statements. Although the certificate information is acquired by capturing an image with a camera as an example, it may also be acquired by a scanner, by receiving electronic data of the certificate information via the Internet, or by inputting character information into the applicant terminal device 100-1 through the applicant's operation. Thereafter, the processor 112 transmits the acquired certificate information to the transfer server device 200 (S122) and receives the above-mentioned first setting information (S123). Furthermore, processor 112 displays the first setting information and the like on the display (S124), and accepts operations by the applicant (S125).

[0060] FIG. 8A is an example of an image displayed on the display of the applicant terminal device 100-1 according to the present disclosure. An image related to the received first setting information is displayed on the display of the applicant terminal device 100-1. Specifically, the transfer reservation display section 11 and the certificate image display section 13 are displayed side by side on the display of the applicant terminal device 100-1. The transfer reservation display section 11 displays the first setting information extracted by the above-mentioned extraction process. Specifically, the transfer reservation display section 11 displays the business partner indicating the requester of the certificate document 400, the billing date indicating the issue date of the certificate document 400, the above-mentioned transfer reservation date, the payment deadline of the request by the certificate document 400, the transfer amount indicating the amount of the request by the certificate document 400, the transfer destination such as a bank account for the business partner, and the items and categories described in the certificate document 400. For example, when the voucher document 400 is a receipt such as a receipt, the applicant operates the voucher document 400 to specify the applicant's bank account (transfer destination) or a bank account (transfer destination) specified by the applicant. Specifically, for example, when the applicant operates the terminal device 100 to transmit the voucher information via the communication interface 114 (T11 in FIG. 4), the applicant can specify the applicant's own bank account (transfer destination) by selecting himself / herself as the applicant who should receive the advance payment. On the other hand, when a user other than the applicant operates the terminal device 100 to transmit the voucher information via the communication interface 114 (T11 in FIG. 4), the other user can specify the applicant's bank account (transfer destination). That is, for example, when another user applies on behalf of the applicant, the transfer destination can be changed to the applicant.

[0061] A correction button 17 with the words "Exclude Saturdays, Sundays, and holidays" is displayed near the payment due date. When the correction button 17 is tapped, the processor 112 of the applicant terminal device 100-1 executes a process to correct the payment due date to the nearest weekday that is before the day before, if the payment due date is a Saturday, Sunday, or holiday. As an example, if the payment due date before correction is August 27, 2023, August 27, 2023 is a Sunday and the previous day is a Saturday, so the payment due date is corrected to August 25, 2023 (Friday). In addition, by correcting the payment due date, the processor 212 corrects the day corresponding to the "payment due date" to the "scheduled transfer date". As a result, even if the payment due date and the scheduled transfer date are Saturday, Sunday, or a holiday, the applicant can easily correct the payment due date and the scheduled transfer date to the nearest weekday that is before the day before by tapping the correction button 17. The correction button 17 may be displayed near the scheduled transfer date, and only the scheduled transfer date may be corrected. The correction button 17 may also be a button for causing the processor 112 of the applicant terminal device 100-1 to execute a process for correcting the payment due date, scheduled transfer date, etc. to the end of the relevant month and the beginning and end of the following month, etc., as long as the applicant can easily correct the payment due date, scheduled transfer date, etc.

[0062] The category includes an account title, a sub-item, and a tax classification. Specifically, for example, the applicant terminal device 100-1 identifies the account title, the sub-item, and the tax classification corresponding to the category ID based on the category information table and displays them on the display. The certificate image display unit 13 displays an image of the certificate document 400. The certificate image display unit 13 highlights the parts corresponding to the items of the transfer schedule display unit 11 by highlighting or the like. Specifically, the certificate image display unit 13 highlights the transfer schedule display unit 11 with different colors for "P1 Company" corresponding to the business partner, "U1" corresponding to the payment deadline, "D1" corresponding to the transfer amount, and "Q1" corresponding to the transfer destination. Similarly, the transfer schedule display unit 11 highlights the items corresponding to the highlighted items of the certificate image display unit 13 with the corresponding colors. This allows the applicant to check whether the contents written in the transfer schedule display unit 11 are correct while referring to the highlighted parts of the certificate image display unit 13. It has been explained that the certificate image display unit 13 displays an image of the certificate document 400, but for example, photographed information of an estimate may be stored in advance in the memory 211 of the transfer server device 200, and photographed information of the estimate corresponding to the certificate document 400 may be displayed alongside the certificate document 400, or the estimate may be displayed instead of the certificate document 400. In this case, for example, although not shown, a button for switching between display and non-display of the photographed information of the estimate may be displayed on the edge of the certificate image display unit 13, and the display and non-display may be switched based on a switching operation by the applicant, or a button for downloading the photographed information of the estimate may be displayed, and the photographed information of the estimate may be transmitted from the transfer server device 200 to the applicant terminal device 100-1 based on a switching operation by the applicant.

[0063] The applicant terminal device 100-1 accepts an input operation by the applicant to the transfer schedule display section 11 (S125). For example, if there are items that could not be extracted by the above-mentioned extraction process, such items are displayed as blanks. The applicant performs an input operation on the applicant terminal device 100-1 to input information into such blank items. Since the certificate image display section 13 is displayed alongside the transfer schedule display section 11 on the display of the applicant terminal device 100-1, the applicant can perform an input operation on the applicant terminal device 100-1 so as to fill in the blanks on the transfer schedule display section 11 while checking the contents written on the certificate image display section 13. Furthermore, when accepting an operation by the applicant to the transfer schedule display section 11, the applicant terminal device 100-1 also accepts an input operation for items that are not blank. Specifically, examples of such an input include a case where the contents written on the transfer schedule display section 11 are different from those on the certificate image display section 13, and a case where the contents written on the transfer schedule display section 11 are changed to the contents desired by the applicant.

[0064] For example, since the setting process described above sets the date corresponding to the payment deadline as the scheduled transfer date, the applicant may change the scheduled transfer date to a desired date by performing input operations on the applicant terminal device 100-1. Also, since the setting process described above sets an initial category ID or history category ID and displays the account item, sub-account item, and tax category corresponding to the set category ID on the transfer reservation display unit 11, the applicant may change the account item, sub-account item, and tax category to the desired content by performing input operations on the applicant terminal device 100-1.

[0065] Thereafter, when the approval request button 15 is selected (e.g., tapped) by the applicant's input operation, the processor 112 of the applicant terminal device 100-1 sends an approval request including the second setting information to the approver terminal device 100-2 (S126).

[0066] FIG. 8B is an example of an image displayed on the display of the approver terminal device 100-2 according to the present disclosure. An image including the second setting information included in the received approval request is displayed on the display of the approver terminal device 100-2. Specifically, the approver terminal device 100-2 receives a plurality of the above-mentioned approval requests and displays a plurality of transfer information 21 side by side. The transfer information 21 displays the business partner indicating the requester of the voucher document 400, the transfer destination such as a bank account for the business partner, the transfer amount indicating the amount of the claim by the voucher document 400, the payment deadline and status of the claim by the voucher document 400, an edit button 23, and a check box 25. In addition, a lump-sum transfer button 27 is displayed on the lower right of the display of the approver terminal device 100-2 in the paper view of FIG. 8B, for example.

[0067] The status displayed corresponds to the voucher ID based on the voucher information table. As described above, this status includes "Waiting for approval request", "Waiting for approval response", "Waiting for transfer processing", and "Transfer completed". In other words, "Waiting for approval response" is displayed as the status on the display of the approver terminal device 100-2. The edit button 23 is a button for accepting an operation to display a screen for accepting editing operations by the approver on the transfer information 21. The screen for accepting editing operations is, for example, a screen similar to the example image displayed on the display of the applicant terminal device 100-1 shown in FIG. 8A.

[0068] The check box 25 is a button that can be switched to show or hide a check mark by, for example, a tap by the approver. The lump-sum transfer button 27 is a button for accepting an operation to give a lump-sum approval response for the transfer information 21 for which a check mark is displayed in the check box 25. When the approver confirms the transfer information 21, causes a check mark to be displayed in the check box 25, and selects the lump-sum transfer button 27, the approver terminal device 100-2 transmits an approval response to the applicant terminal device 100-1 via the transfer server device 200. At this time, although not shown in the figure, for example, the approver terminal device 100-2 receives information for authenticating the approver (e.g., a one-time password) from the bank server device 300 and responds. This allows, for example, the bank server device 300 to execute a process of authenticating the approver when transmitting the approval response to the applicant terminal device 100-1. Furthermore, if the approver operates edit button 23 to perform an editing operation, approver terminal device 100-2 transmits an approval response including the third setting information after the change operation to applicant terminal device 100-1 via transfer server device 200. When the approval response is transmitted from approver terminal device 100-2 in this manner, applicant terminal device 100-1 receives the approval response via transfer server device 200 (S127). This completes the series of processing flows executed by processor 112 of applicant terminal device 100-1.

[0069] 9. Update process flow FIG. 5C is a diagram showing a process flow of the update process executed in the transfer server device 200 according to the present disclosure. According to FIG. 5C, the processor 212 judges whether or not an approval request has been received (S131), and if it judges that an approval request has not been received (No), it judges whether or not an approval response has been received (S132), and if it judges that an approval response has not been received (No), it returns to step S131. On the other hand, if it judges that an approval request has been received (Yes) or that an approval response has been received (Yes), it proceeds to step S133. That is, in steps S131 to S132, steps S131 to S132 are repeatedly executed until an approval request or an approval response is received (T13 or T15 in FIG. 4), and if an approval request or an approval response is received, step S133 is executed. In step S133, it is judged whether or not the category information of the setting information (i.e., the second setting information or the third setting information) included in the approval request or the approval response has been changed by the applicant or the approver. That is, in step S133, if at least one of the account items, sub-account items, and tax classifications included in the category has been changed (Yes) in the above-mentioned step S109 or step S112 (see FIG. 5A), the process proceeds to step S134, and if none of them have been changed (No), the process proceeds to step S135 without executing step S134.

[0070] In step S134, the history category ID in the item information table is updated for the changed category. Specifically, the processor 212 identifies the category ID corresponding to the changed account title, sub-account title, and tax classification according to the category information table. Then, the processor 212 replaces the history category ID in the item information table corresponding to the ID (user ID) of the applicant terminal device 100-1 that sent the approval request or the approver terminal device 100-2 that sent the approval response with the identified category ID, and proceeds to step S135. In step S135, if the approver has been changed in the above-mentioned step S109 or step S112 (see FIG. 5A) (Yes), the processor proceeds to step S136, and if the approver has not been changed (No), the processor 212 ends this processing flow without executing step S136.

[0071] In step S136, the target approver in the applicant information table is updated for the changed approver. Here, the approver is preset by the applicant or approver so that the approver is stored as the target approver in the applicant information table in correspondence with the applicant ID. On the other hand, if the applicant or approver performs an operation to change the approver (step S125), the target approver is replaced with the changed approver. Then, this routine ends. By updating the history category ID in the item information table for the changed category in this way, the processor 212 can generate first setting information based on the history category ID when next receiving voucher information with a matching item name (S107). Therefore, in step S106, the processor 212 of the transfer server device 200 can set the category ID based on the history category ID set in the past. Note that the process flow of the update process described above is an example, and the history category ID and the target approver may be updated, for example, by machine learning, or in response to an approval request or approval response by another user.

[0072] 10. Processing flow executed by the bank server device 300 FIG. 7 is a diagram showing a process flow of the confirmation process executed in the bank server device 300 according to the present disclosure. The processor of the bank server device 300 judges whether or not a confirmation request including the third setting information is received from the transfer server device 200 (S141). In step S141, step S141 is repeatedly executed until the confirmation request is received (No), and when it is judged that the confirmation request is received (Yes), the process proceeds to step S142. In step S142, the processor of the bank server device 300 judges whether or not the approver is correct based on the third setting information included in the confirmation request. Specifically, in step S142, the processor of the bank server device 300 identifies the approver based on, for example, the third setting information, and judges whether or not the identified approver matches the approver stored in advance in the bank server device 300. When it is judged that the approver is incorrect (No in step S142), the processor of the bank server device 300 transmits error information to the transfer server device 200 (S143). The transfer server device 200, which has received the error information, notifies the approver terminal device 100-2 that the bank server device 300 has determined that the approver is incorrect, and ends this flow. On the other hand, if the approver is determined to be correct (Yes in step S142), the processor of the bank server device 300 transmits confirmation information to the approver terminal device 100-2 (S143).

[0073] 8C and 8D are examples of images displayed on the display of the approver terminal device 100-2 according to the present disclosure. According to FIG. 8C, when the approver terminal device 100-2 receives confirmation information from the bank server device 300, the approver terminal device 100-2 displays a notification image 31 on the display in a so-called pop-up format. When the user taps the notification image 31, the approver terminal device 100-2 starts a pre-stored bank application (second application). Specifically, in the accounting application, as described above, the transfer server device 200 generates first setting information based on the certificate information such as image data of the certificate document 400 (S14 in FIG. 4), the applicant terminal device 100-1 generates second setting information based on a change operation on the first setting information (S15 in FIG. 4), and the approver terminal device 100-2 generates third setting information and an approval response based on a change operation on the second setting information (S16 in FIG. 4). On the other hand, in the case of a banking application, which is an application different from the accounting application, for example, the bank server device 300 sends confirmation information to the approver terminal device 100-2 (S143 in FIG. 7) based on a confirmation request including the third setting information received from the transfer server device 200 (S141 in FIG. 7), so that the approver can reconfirm about executing the transfer process using the banking application, which is different from the accounting application.

[0074] According to FIG. 8D, when the bank application is started, the approver terminal device 100-2 displays an image related to the bank application on the display. On the display, the bank application displays, for example, customer information, transfer date information, and amount information (hereinafter, collectively referred to as customer information, etc. 33) and an approval button 35 side by side. Also, on the display, the bank application displays a lump-sum transfer button 37 above the approval button. The approval button 35 is a button that can be used to approve the transfer reservation for each customer information, etc. in the bank application by, for example, tapping the button. That is, when the approver confirms that each customer information, etc. 33 matches the third setting information through the bank application, the approver taps the approval button 35. The lump-sum transfer button 37 is a button that can be used to approve the transfer reservation for all customer information, etc. in the bank application by, for example, tapping the button. That is, when the approver confirms that each customer information, etc. 33 matches the third setting information through the bank application, the approver taps the lump-sum transfer button 37. When the approval button 35 is tapped, the approver terminal device 100-2 transmits reservation approval for each of the business partner information, etc. to the bank server device 300 by the bank application, and when the lump-sum transfer button 37 is tapped, the approver terminal device 100-2 transmits reservation approval for all of the business partner information, etc. to the bank server device 300 by the bank application. Note that, although the approval button 35 and the lump-sum transfer button 37 have been described as an example, a transfer button may be displayed to execute transfer to a business partner without waiting for the scheduled transfer date.

[0075] Returning to Fig. 7, if the processor of the bank server device 300 has received a reservation approval (Yes in S146), the process proceeds to step S148. In step S148, the processor of the bank server device 300 transmits receipt information indicating that the reservation approval has been received to the transfer server device 200. Specifically, if the processor of the bank server device 300 has received a reservation approval, the processor of the bank server device 300 transmits receipt information to the transfer server device 200 indicating that the transfer will not be executed until the scheduled transfer date. This ends the confirmation processing flow.

[0076] By executing the confirmation process in this manner, even if the transfer server device 200 receives an approval response that has been fraudulently sent by someone masquerading as an approver, a confirmation request is sent from the bank server device 300 to the approver terminal device 100-2 by the bank application, so that a transfer process unintended by the approver can be prevented. Also, in the confirmation process, the bank application determines whether the approver is correct (S142), so that it can determine whether the approver who sent the approval response is the person in question. Furthermore, in the confirmation process, the bank application sends confirmation information directly from the bank server device 300 to the approver terminal device 100-2, so that approval responses fraudulently sent by someone masquerading as an approver can be effectively rejected.

[0077] 11. Processing flow executed by processing system 1 according to another embodiment Next, a processing system 1 according to another embodiment of the above-mentioned processing system will be described with reference to Fig. 9A and Fig. 9B. Fig. 9A is a diagram showing a process flow executed in a transfer server device 200 according to another embodiment of the present disclosure. Note that a description of steps S111 to S114 described above with reference to Fig. 5B will be omitted.

[0078] When the processor 212 of the transfer server device 200 according to another embodiment receives an approval response to the approval request from the approver terminal device 100-2 (S114), it transmits the above-mentioned transfer reservation to the bank server device 300 (S215). Furthermore, the processor 212 of the transfer server device 200 according to another embodiment repeatedly executes step S217 until it receives a transfer completion notification (described later) from the bank server device 300 (No), and when it receives the transfer completion notification (Yes), it transmits transfer completion information to the applicant terminal device 100-1 (S120).

[0079] 9B is a diagram showing a process flow executed in the bank server device 300 according to another embodiment of the present disclosure. When the processor of the bank server device 300 according to another embodiment receives a transfer reservation from the transfer server device 200 (S221), it stores the transfer reservation (S222). Here, storing the transfer reservation includes storing information required for the processor of the bank server device 300 according to another embodiment to execute the transfer process, such as the transfer destination, the transfer amount, and the scheduled transfer date, based on the approval request. Thereafter, the processor of the bank server device 300 according to another embodiment repeatedly executes step S223 until the scheduled transfer date arrives (No), and when the scheduled transfer date arrives (Yes), it proceeds to step S224. In step S224, the processor executes the transfer process based on the transfer reservation stored in step S222 (S224), and transmits a transfer completion notification to the transfer server device 200 (S225).

[0080] In this way, in the processing system 1 according to another embodiment, the processor 212 of the transfer server device 200 according to another embodiment transmits a transfer reservation to the bank server device 300 in advance (S215), and when the scheduled transfer date arrives (Yes in step S223), the processor of the bank server device 300 according to another embodiment executes the transfer process (S224). As a result, the transfer server device 200 according to another embodiment stores the transfer reservation in the bank server device 300 before the scheduled transfer date, so that the bank server device 300 can execute the transfer process without the transfer server device 200 instructing the bank server device 300 to execute the transfer process on the scheduled transfer date.

[0081] As described above, the processing program of the present disclosure functions to execute a process for receiving voucher information on which an amount is written, identifying a transfer destination based on the voucher information, generating an instruction to transfer money to the transfer destination, and transmitting the instruction to a bank server device managed by the bank. That is, the processing program of the present disclosure causes at least one processor in at least one computer of the applicant terminal device 100-1, the approver terminal device 100-2, and the transfer server device 200 to obtain voucher information on which amounts are written on invoices and receipts, identifying a transfer destination corresponding to an applicant ID, etc. based on the voucher information, generating an instruction to transfer money to a transfer destination corresponding to a business partner ID and an applicant ID, etc. based on the voucher information, and transmitting the instruction to the bank server device 300. Thus, the processing program of the present disclosure allows the bank server device 300 to execute a transfer based on the voucher information received from the applicant and the approver, etc.

[0082] Furthermore, since the bank server device 300 transmits a confirmation request to the approver terminal device 100-2 as information indicating that the instruction has been received, it is possible for not only the transfer server device 200 but also the bank server device 300 to confirm that the instruction has reached the bank server device 300 and to exclude instructions due to spoofing, etc. Furthermore, since a terminal device such as the approver terminal device 100-2 accepts an approval operation for the transfer of money based on the confirmation request, it is possible for the approver to determine whether or not to execute the transfer of money.

[0083] Furthermore, since processor 212 sets the time for transferring money based on the voucher information (S104-S106), the process for transferring money can be executed at the set time without user operation, thereby reducing the user's workload and preventing the deadline for transferring money from passing. In particular, since a period included in the day corresponding to the "payment deadline" is set as the time for transferring money (S105), processor 212 can allow the user to change the setting information and suspend the execution of the payment process until the day corresponding to the "payment deadline" even if the status is, for example, "waiting for transfer processing", because the transfer process is not executed until the day corresponding to the "payment deadline" (S118-S119).

[0084] Furthermore, when the certificate information is an invoice, the transfer destination of the "business partner" as the claimant listed on the invoice is set as the "transfer destination" (S104-S105), thereby improving the accuracy of the transfer destination setting in the setting process. On the other hand, when the certificate information is a receipt, the transfer destination of the user who performed the operation to obtain the certificate information (i.e., the applicant who is the owner of the applicant terminal device 100-1 that transmitted the certificate information to the transfer server device 200) is set as the "transfer destination" (S104, S106), allowing the user to use the receipt to make payment for goods purchased on behalf of a company, for example.

[0085] The voucher information may also include image information of vouchers such as invoices and receipts. In other words, the applicant can operate the applicant terminal device 100-1 to take pictures of invoices, receipts, etc. to execute the processing according to the present disclosure based on the pictures. Thus, the processor 112 can improve the user's operability.

[0086] Moreover, approval information (i.e., approval response) for executing the transfer process based on the acquired certificate information is acquired (S114), and the transfer process is executed based on the approval response (S115) (S117 to S120), so the transfer process can be executed after waiting for approval by an approver of the transfer process in the company, for example. In particular, since the approver is set based on an approver set in the past (S135 and S136), the approver can be set according to the user's intention according to the user's past input operation. Furthermore, since at least a part of the certificate information among the plurality of certificate information is selected by, for example, the approver operating the approver terminal device 100-2, and the transfer process is executed based on the selected certificate information, the approver can selectively execute the transfer process while managing the plurality of certificate information. Furthermore, the transfer process includes a process for causing the bank server device 300 to transfer money to the transfer destination. Therefore, by, for example, API linkage between the transfer server device 200 and the bank server device 300, the bank server device 300 can be controlled so that the bank transfers money to the transfer destination.

[0087] The processing program disclosed herein also causes the processor 212 of the transfer server device 200 to function so as to acquire voucher information on which an amount is stated, set a category for at least one item based on the voucher information, and execute a transfer process for transferring the amount of money to a transfer destination based on the voucher information. That is, the processing program disclosed herein causes at least one processor in at least one computer of the applicant terminal device 100-1, the approver terminal device 100-2, the transfer server device 200, and the bank server device 300 to acquire voucher information on which amounts are stated for invoices, receipts, etc., set categories such as account titles, sub-titles, and tax classifications for at least one item based on the voucher information, and execute a transfer process for transferring money to a transfer destination corresponding to the customer ID and applicant ID based on the voucher information. Therefore, the processing program disclosed herein performs the tasks of setting item categories based on voucher information and transferring money to the transfer destination using at least one of the applicant terminal device 100-1, the approver terminal device 100-2, the transfer server device 200, and the bank server device 300, thereby reducing the workload of users such as applicants and approvers.

[0088] In addition, the item categories set based on the voucher information include at least one of account items, sub-items, and tax classifications, which can reduce the workload of, for example, accounting work and tax return filing for the company to which the user belongs. In addition, the categories are set based on categories set in the past (S107 to S109, S133, and S134), so the categories can be set according to the user's intentions in accordance with the user's past input operations.

[0089] 12.Other The processes and procedures described in this specification can be realized not only by those explicitly described in the embodiments, but also by software, hardware, or a combination of these. Specifically, the processes and procedures described in this specification can be realized by implementing logic corresponding to the processes in a medium such as an integrated circuit, a volatile memory, a non-volatile memory, a magnetic disk, or an optical storage device. In addition, the processes and procedures described in this specification can be implemented as computer programs and executed by various computers including terminal devices and server devices. In addition, the information written in the memory 211 of the transfer server device 200 may be stored in the memory 113 of the applicant terminal device 100-1, or may be stored in a remote database device (e.g., database 215). In that case, the database device is also included in the memory.

[0090] The voucher information described in this specification may be acquired not only in paper form such as the voucher document 400, but also in electronic data such as PDF data via the communication interface 114 by the processor 112, may be acquired in text form such as email, not limited to a specific format or form, via the communication interface 114, or may be acquired by the applicant's character input operation via the input interface 115 (e.g., a touch sensor). The voucher information may be extracted by the processor 112 of the applicant terminal device 100-1, which has photographed the voucher document 400 using the camera of the input interface 115, executing an extraction process to extract character information from the voucher document 400, or a part of the character information extracted by the applicant terminal device 100-1 may be transmitted to the transfer server device 200 via the communication interface 114, or the processor 212 of the transfer server device 200 may execute the extraction process. In addition, in this specification, the description has been given using two applications, such as an accounting application as an example of the first application and a banking application as an example of the second application, but the number of applications may be three or more, and the application may be an application that combines an accounting application and a banking application.

[0091] Furthermore, some of the processes such as the approval request and approval response described in this specification (T13 to T16 in FIG. 4) may be omitted or changed. For example, when processes such as the approval operation (S16) and confirmation process (S17) in the approver terminal device 100-2 are omitted, the transfer server device 200 may directly transmit the second setting information to the bank server device 300. In other words, the bank server device 300 may execute the transfer reservation based on the second setting information received directly from the transfer server device 200.

[0092] Even if the processes and procedures described herein are described as being executed by a single device, software, component, or module, such processes or procedures may be executed by multiple devices, multiple software, multiple components, and / or multiple modules. In addition, in this specification, the transfer server device 200 and the bank server device 300 are described as being single, but the components and processes of each server device may be distributed to multiple server devices or cloud server devices, or multiple server devices may be connected to each other offline so as to be configured as a so-called on-premise type in which information can be communicated. In addition, even if the various information described herein is described as being stored in a single memory or storage unit, such information may be stored in a distributed manner in multiple memories provided in a single device or multiple memories distributed and arranged in multiple devices. Furthermore, the software and hardware elements described in this specification may be realized by integrating them into fewer components or by breaking them down into more components. [Explanation of symbols]

[0093] 100-1 Applicant terminal device 100-2 Approver terminal device 200 Transfer Server Device 300 Bank server device 400 Documents

Claims

1. In a computer having at least one processor, the at least one processor is Receive the voucher information indicating the amount, Identifying the transfer destination based on the voucher information; Generate an instruction to transfer the amount of money to the transfer destination; transmitting the instruction to a bank server device managed by the bank; A program that functions to perform processing for

2. the bank server device transmits information indicating that the instruction has been received to a terminal device of an approver of the money transfer based on the instruction; The program according to claim 1.

3. the terminal device accepts an approval operation for the money transfer based on information indicating that the instruction has been received; The program according to claim 2.

4. The at least one processor, setting a time for transferring the money based on the acquired voucher information; The program according to claim 1, which causes the program to function to execute processing for:

5. The time for transferring the money is set to a date corresponding to the payment deadline based on the voucher information. The program according to claim 4.

6. When the voucher information is an invoice, the transfer destination is the transfer destination of the claimant listed on the invoice. The program according to claim 1.

7. When the voucher information is a receipt, the transfer destination is the transfer destination of the user who performed the operation to acquire the voucher information or a transfer destination designated by the user. The program according to claim 1.

8. The at least one processor, establishing a category for at least one item based on said voucher information; The program according to claim 1, which causes the program to function to execute processing for:

9. The at least one processor, obtaining approval information regarding the transmission of the instruction based on the obtained voucher information; Transmitting the instruction based on the approval information. The program according to claim 1, which causes the program to function to execute processing for:

10. The at least one processor, setting an approver who will accept the approval information based on a previously set approver; 10. The program according to claim 9, which causes the computer to execute a process for:

11. The at least one processor, Store multiple pieces of voucher information; selecting at least a part of the voucher information from the stored plurality of voucher information; transmitting the instruction based on the at least a portion of the selected voucher information; The program according to claim 1, which causes the program to function to execute processing for:

12. A processing device comprising at least one processor, The at least one processor: Receive the voucher information indicating the amount, Identifying the transfer destination based on the voucher information; Generate an instruction to transfer the amount of money to the transfer destination; transmitting the instruction to a bank server device managed by the bank; 2. A processing device configured to perform processing for:

13. A processing method executed by at least one processor in a computer having the at least one processor, comprising: receiving voucher information indicating an amount; Identifying a transfer destination based on the voucher information; generating an instruction to transfer the amount of money to the transfer destination; sending said instruction to a bank server device controlled by the bank; A processing method comprising:

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