Bank transfer fee confirmation device, bank transfer fee confirmation method, and bank transfer fee confirmation program

Abstract

To provide a bank transfer fee confirmation device, a bank transfer fee confirmation method, and a bank transfer fee confirmation program capable of reducing a fee in bank transfer in payment business.SOLUTION: When the registration button of the monitor is pressed in the payment confirmation registration screen, the bank transfer fee confirmation device of the present embodiment refers to the bank check master at the time of payment and determines a combination of the bank account bank and the transfer destination bank for each payment code in which the confirmation check box is checked, and when there is a payment code in which it is determined that there is no combination of the bank account bank and the transfer destination bank, displays a warning message regarding the payment details corresponding to the payment code in which there is no combination of the bank account bank and the transfer destination bank on the monitor.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a bank transfer fee confirmation device, a bank transfer fee confirmation method, and a bank transfer fee confirmation program. [Background technology]

[0002] Patent document 1 discloses a technology that creates and manages forms and reduces the burden of form processing at financial institutions by setting fees for transactions using forms based on print form information, based on information related to fees when a user conducts a transaction using a form at a financial institution and information related to bringing a form created by the user from print form information to the financial institution. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2023-42370 Summary of the Invention [Problem to be solved by the invention]

[0004] Incidentally, in payment operations for real estate rental businesses and the like, there are a wide variety of payees, such as payments to various contractors for the operation and repair of real estate, remittances by owners of rent collected on behalf of managed real estate, and refunds of security deposits to tenants when tenants request termination, and the volume of payment transactions tends to increase depending on the number and size of real estate being managed.For this reason, in payment operations for real estate rental businesses and the like, if the bank used by the company and the account designated as the transfer destination are different, transfer fees can be more expensive than for transfers to the same bank, which creates the problem of fees increasing as the volume of transactions increases.

[0005] Furthermore, businesses engaged in real estate rental and other businesses may have multiple company accounts that they use for payments, but no consideration has been given to reducing bank transfer fees, leaving room for improvement.

[0006] The present invention has been made in consideration of the above, and aims to provide a bank transfer fee confirmation device, a bank transfer fee confirmation method, and a bank transfer fee confirmation program that can reduce fees for bank transfers in payment operations. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the bank transfer fee confirmation device of the present invention is a bank transfer fee confirmation device equipped with a control unit, and is capable of accessing a payment bank check master in which the transfer destination bank code of a bank that allows transfers is associated with each company's account bank code, a bank account master in which the company's account bank code, company's account branch code, deposit type, account number and account holder are associated with each account code, and payment detail data in which at least the relevant month, main amount, payment method, company's account code, company's account bank code and transfer destination bank code are associated with each payment code, the control unit comprises an acquisition unit that acquires from the payment detail data payment detail data that determines the payment details corresponding to the specified relevant month input from outside and a bank code from the bank account master based on the company's account in the payment detail data, and a payment detail data acquisition unit that acquires from the payment detail data The system is characterized by comprising: a display control unit that displays on a monitor a payment confirmation registration screen including, for each payment, at least a payment confirmation display table including at least the company's account, the company's account bank, the transfer destination bank, and a confirmation check box that accepts input of an instruction signal for whether or not to confirm the transfer destination bank from the company's account bank, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation confirmation display table; and a determination unit that, when the registration button is pressed, refers to the payment bank check master and determines the combination of the company's account bank and the transfer destination bank for each payment code for which the confirmation check box is checked, and if there is a payment code for which the determination unit has determined that there is no combination of the company's account bank and the transfer destination bank, the display control unit displays on the monitor a warning message regarding payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank.

[0008] The bank transfer fee confirmation method according to the present invention is a bank transfer fee confirmation method executed by a bank transfer fee confirmation device having a control unit, wherein the bank transfer fee confirmation device has access to a payment bank check master in which the transfer destination bank code of a bank that allows transfers is associated with each of the company's account bank codes, a bank account master in which the company's account bank code, the company's account branch code, the deposit type, the account number, and the account holder are associated with each of the account codes, and payment detail data in which at least the relevant month, the main amount, the payment method, the company's account code, the company's account bank code, and the transfer destination bank code are associated with each of the payment codes, and the control unit executes an acquisition step of acquiring, from the payment detail data, payment detail data that determines the payment details corresponding to the specified relevant month input from outside and a bank code from the bank account master based on the company's account in the payment detail data, and based on the above, the system includes a display control step of displaying on the monitor, for each payment, a payment confirmation registration screen including at least the company's account, the company's account bank, the transfer destination bank, and a payment confirmation display table including a confirmation check box that accepts input of an instruction signal for confirming whether or not to confirm the transfer destination bank from the company's account bank, and a registration button that accepts input of a registration signal for registering the contents of the payment confirmation display table; and a determination step of, when the registration button is pressed, referring to the payment bank check master and determining the combination of the company's account bank and the transfer destination bank for each payment code for which the confirmation check box is checked, wherein, if there is a payment code for which it is determined by the determination step that there is no combination of the company's account bank and the transfer destination bank, the display control step displays on the monitor a warning message regarding payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank.

[0009] The bank transfer fee confirmation program according to the present invention is a bank transfer fee confirmation program to be executed by a bank transfer fee confirmation device having a control unit, the bank transfer fee confirmation device being able to access a payment bank check master in which the transfer destination bank code of a bank that is permitted to transfer is associated with each company's account bank code, a bank account master in which the company's account bank code, company's account branch code, deposit type, account number and account holder are associated with each account code, and payment statement data in which at least the relevant month, main amount, payment method, company's account code, company's account bank code and transfer destination bank code are associated with each payment code, and the control unit is provided with an acquisition step of acquiring from the payment statement data payment statement data that determines the payment details corresponding to the specified relevant month input from outside and a bank code from the bank account master based on the company's account in the payment statement data, and a processing step of executing a processing step based on the payment statement data acquired in the acquisition step. and a display control step of displaying on the monitor, for each payment, a payment confirmation registration screen including at least the company's account, the company's account bank, the transfer destination bank, and a payment confirmation confirmation display table including a confirmation check box that accepts input of an instruction signal for confirming or not confirming the transfer destination bank from the company's account bank, and a registration button that accepts input of a registration signal for registering the contents of the payment confirmation confirmation display table; and, when the registration button is pressed, a determination step of referring to the payment bank check master and determining the combination of the company's account bank and the transfer destination bank for each payment code for which the confirmation check box is checked, wherein, when there is a payment code for which it is determined by the determination step that there is no combination of the company's account bank and the transfer destination bank, the display control step displays on the monitor a warning message regarding payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank. [Effects of the Invention]

[0010] According to the present invention, it is possible to reduce bank transfer fees in payment operations. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of a bank transfer fee confirmation device according to an embodiment. [Figure 2] FIG. 2 is a diagram showing an example of a supplier master table in the supplier master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 3] FIG. 3 is a diagram showing an example of a bank master table in the bank master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 4] FIG. 4 is a diagram showing an example of a supplier transfer destination master table in the supplier transfer destination master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 5] FIG. 5 is a diagram showing an example of a bank branch master table in the bank branch master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an example of a property master table in the property master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 7] FIG. 7 is a diagram showing an example of a bank account master table in the bank account master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 8] FIG. 8 is a diagram showing an example of a management item master table in the management item master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 9] FIG. 9 is a diagram showing an example of a payment method master table in the payment method master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an example of a payment bank check master table in the payment bank check master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 11] FIG. 11 is a diagram illustrating a comparison example of transfer fees for transfers to the same bank and to other banks. [Figure 12]FIG. 12 is a flowchart showing an outline of the process executed by the bank transfer fee confirmation device according to the embodiment. [Figure 13] FIG. 13 is a diagram showing an example of a payment bank check master maintenance screen displayed on the monitor. [Figure 14] FIG. 14 is a diagram showing an example of a payment bank check master table in the payment bank check master maintained by the registration unit of the control unit provided in the bank transfer fee confirmation device according to the embodiment. [Figure 15] FIG. 15 is a diagram showing a schematic overview of the registration of payment statement data. [Figure 16] FIG. 16 is a diagram showing an example of a payment details data table in the payment details data acquired by the acquisition unit of the control unit included in the bank transfer fee confirmation device according to the embodiment. [Figure 17] FIG. 17 is a diagram showing an example of a payment details data table in the payment details data after the bank code has been stored. [Figure 18] FIG. 18 is a diagram showing an example of a payment confirmation registration screen displayed on the monitor. [Figure 19] FIG. 19 is a diagram showing an example of a warning target list table in the warning target list generated by the generating unit of the control unit included in the bank transfer fee confirmation device according to the embodiment. [Figure 20] FIG. 20 is a diagram showing an example of a warning message displayed on the monitor. [Figure 21] FIG. 21 is a diagram showing another example of the payment confirmation registration screen displayed on the monitor. [Figure 22] FIG. 22 is a diagram showing an example of a payment details data table in the payment details data after confirmation. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, embodiments of a bank transfer fee confirmation device, a bank transfer fee confirmation method, and a bank transfer fee confirmation program according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to these embodiments.

[0013] [1. Configuration] An example of the configuration of a bank transfer fee confirmation device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of a bank transfer fee confirmation device.

[0014] The bank transfer fee confirmation device 100 shown in Fig. 1 is a commercially available desktop personal computer. Note that the bank transfer fee confirmation device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0015] The bank transfer fee confirmation device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The units comprised in the bank transfer fee confirmation device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0016] The communication interface unit 104 communicably connects the bank transfer fee confirmation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the bank transfer fee confirmation device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the memory unit 106 may also be stored in the server 200, for example.

[0017] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that functions as a pointing device in cooperation with a mouse. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0018] The memory unit 106 stores various databases, tables, files, etc. The memory unit 106 stores computer programs that cooperate with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The memory unit 106 may be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The memory unit 106 stores a customer master data set 106a, a bank master data set 106b, a customer transfer destination master data set 106c, a bank branch master data set 106d, an asset master data set 106e, a bank account master data set 106f, a management item master data set 106g, a payment method master data set 106h, a payment bank check master data set 106i, and payment statement data set 106j.

[0019] Supplier master 106a stores supplier names in association with each supplier code. Fig. 2 is a diagram showing an example of a supplier master table in supplier master 106a. As shown in the first row of supplier master table T1 in Fig. 2, supplier code "T001" is stored in association with supplier name "Vendor A."

[0020] The bank master 106b stores a bank name in association with each bank code. Fig. 3 is a diagram showing an example of a bank master table in the bank master 106b. As shown in the first row of the bank master table T2 in Fig. 3, the bank code "00001" is stored in association with the bank name "XX Bank."

[0021] The customer transfer destination master 106c stores, for each customer code, a payee bank code, a payee branch code, a deposit type, an account number, and a kana account holder name. Figure 4 shows an example of a customer transfer destination master table in the customer transfer destination master 106c. As shown in the first row of the customer transfer destination master table T3 in Figure 4, the customer code "T001" is stored in association with the payee bank code "00001: XX Bank," the payee branch code "0011: XX Branch," the deposit type "1: Regular," the account number "9000001," and the account holder name in kana "Gyosha A."

[0022] The bank branch master 106d stores a branch code and a branch name in association with each bank code. Fig. 5 is a diagram showing an example of a bank branch master table in the bank branch master 106d. As shown in the first row of the bank branch master table T4 in Fig. 5, the bank code "00001" is stored in association with the branch code "0011" and the branch name "XX branch."

[0023] The property master 106e stores property codes and property names in association with each other. Fig. 6 is a diagram showing an example of a property master table in the property master 106e. As shown in the first row of the property master table T5 shown in Fig. 6, the property code "BK01" is stored in association with the property name "XX Building."

[0024] The bank account master 106f stores, for each account code, the company's account bank code, company's account branch code, deposit type, account number, and account holder name in kana, in association with each other. Fig. 7 is a diagram showing an example of a bank account master table in the bank account master 106f. As shown in the first row of the bank account master table T6 in Fig. 7, the company's account bank code "00001: XX Bank," company's account branch code "0011: XX Branch," deposit type "1: Regular," account number "1000001," and account holder name in kana "Ka)XX Fudo San Kanri" are stored in association with the account code "K01."

[0025] The control item master 106g stores control item codes in association with control item names. Fig. 8 is a diagram showing an example of a control item master table in the control item master 106g. As shown in the first row of the control item master table T7 shown in Fig. 8, the control item code "KAN001" is stored in association with the control item name "outsourcing fee."

[0026] The payment method master 106h stores payment method codes and payment method names in association with each other. Figure 9 is a diagram showing an example of a payment method master table in the payment method master 106h. As shown in the first row of the payment method master table T8 in Figure 9, the payment method code "01" is stored in association with the payment method name "transfer."

[0027] The payment bank check master 106i stores a transfer destination bank in association with each company's account bank. Figure 10 is a diagram showing an example of a payment bank check master table in the payment bank check master 106i. As shown in the first row of the payment bank check master table T9 in Figure 10, the company's account bank "00001:XX Bank" is stored in association with the transfer destination bank "00001:XX Bank."

[0028] The payment details data 106j stores the payment SEQ, payee code, property code, scheduled payment date, management item code, applicable month, base amount, consumption tax, tax-inclusive amount, payment confirmation FLG, payment method, company account code, company account bank, transfer bank code, payee branch code, deposit type, account number, and account holder name in kana. Details of the payment details data 106j will be described later.

[0029] Returning to FIG. 1, the description of the configuration of the bank transfer fee confirmation device 100 will continue. The control unit 102 is a CPU or the like that comprehensively controls the bank transfer fee confirmation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. The control unit 102 has a display control unit 102a, a registration unit 102b, an acquisition unit 102c, a determination unit 102d, a generation unit 102e, an update unit 102f, and an output control unit 102g.

[0030] The display control unit 102a displays a payment bank check master maintenance screen on the monitor 114. The display control unit 102a also displays, based on the payment detail data, a payment confirmation registration screen for each payment on the monitor 114, which includes at least the company's account, the company's account bank, the transfer destination bank, and a confirmation check box that accepts input of an instruction signal indicating whether or not to confirm the transfer destination bank from the company's account bank, and a registration button that accepts input of a registration signal that registers the contents of the payment confirmation display table.

[0031] The registration unit 102b registers payment statement data 106j of payment statements generated by the real estate management business in accordance with the details of the operation of the input device 112 by the worker or the details input from outside via the communication interface unit 104.

[0032] The acquisition unit 102c acquires payment details data from the table of payment details data 106j for the object (for example, property code, scheduled payment date or month, etc.) for which payment details are to be determined, which is specified by the worker operating the input device 112.

[0033] The determining unit 102d refers to the payment bank check master 106i and determines the combination of the company's account bank and the transfer destination bank for each payment in the payment details data.

[0034] The generating unit 102e generates a warning target list. Specifically, the generating unit 102e generates a warning target list with the relevant business number, property code, property name, payee code, and payee name as variables.

[0035] The update unit 102f confirms the payment statement data. Specifically, the update unit 102f confirms the payment statement data in accordance with the content corrected and confirmed on the payment confirmation registration screen.

[0036] The output control unit 102g creates banking data to be uploaded to firm banking based on the payment statement data.

[0037] [2. Background of payment operations in the real estate rental business] Next, the background of payment procedures in the conventional real estate rental business will be explained. Traditionally, payment procedures for real estate rental businesses have involved a wide range of payment recipients, as shown in (1) to (3) below. (1) Payment of commission fees to various contractors related to real estate management and repairs (2) For properties under management, we collect rent and transfer it to the owner. (3) If the landlord requests termination, the security deposit will be refunded to the tenant. The various businesses mentioned above include security, cleaning, inspection, construction, etc.

[0038] In this way, in the payment operations for real estate rental business, the volume of payment transactions tends to increase depending on the number and size of the properties under management. For this reason, in the payment operations for real estate rental business, if the bank for the company's account and the bank for the transfer recipient are different, the transfer fee will be higher than if the transfer were to the same bank (same bank).

[0039] Figure 11 is a diagram illustrating a comparison of transfer fees for transfers to the same bank and to other banks. As shown in comparison table T100 in Figure 11, in the case of transfers to the same bank, the fee is 330 yen when the transfer is from the company's account bank "00001:XX Bank" to the transfer destination bank "00001:XX Bank". In contrast, in the case of transfers to other banks, the fee is 660 yen when the transfer is from the company's account bank "00001:XX Bank" to the transfer destination bank "00002:△△ Bank".

[0040] In this way, when it comes to payment operations for real estate rental businesses, if the volume of payment transactions increases due to the number and size of properties under management, and the bank for the company's account and the bank for the transfer recipient are different, the transfer fee will be more expensive than if the transfer were to the same bank (same bank), resulting in an increase in fees.

[0041] Furthermore, real estate management companies conduct business operations to reduce bank transfer fees. Specifically, they visually check the bank of the transfer destination account, and have established business rules to make payments from that account if the company has an account with that bank. Furthermore, before finalizing the payment details in the property management system, the person in charge of inputting the payment, a senior reviewer, and an accounting department staff member visually check that the combination of the transfer destination and the company's account complies with the above rules. For this reason, in conventional payment operations for real estate rental businesses, payment details are visually checked by humans, which has the problem of increasing workload as the transaction volume increases. Therefore, the bank transfer fee confirmation device 100 aims to reduce bank transfer fees in payment operations while reducing the workload of workers.

[0042] [3. Processing performed by the bank transfer fee confirmation device] Next, a description will be given of the processing executed by the bank transfer fee confirmation device 100. Fig. 12 is a flowchart showing an outline of the processing executed by the bank transfer fee confirmation device 100.

[0043] As shown in FIG. 12, first, the display control unit 102a displays a payment bank check master maintenance screen on the monitor 114 (step S101).

[0044] Figure 13 is a diagram showing an example of a payment bank check master maintenance screen displayed on the monitor 114. The payment bank check master maintenance screen P1 shown in Figure 13 includes an input cell K1 in which the company's account bank code can be entered, an input cell K2 in which the transfer destination bank code can be entered, a register button B1 for registering the combination of the company's account and the transfer destination bank in the payment bank check box master, and a close button B2 for ending the display of the payment bank check master maintenance screen P1.

[0045] The worker operates the input device 112, enters the desired input code into input cell K1 and input cell K2, and presses the register button B1. As shown in FIG. 13, the user enters "00001" into input cell K1 and "00001" into input cell K2. In this case, the display control unit 102a refers to the bank master 106b and displays the bank name corresponding to the bank code entered into input cell K1 and input cell K2, for example, "XX Bank," on the payment bank check master maintenance screen P1. This allows the worker to confirm the combination of their company's account and the transfer destination bank.

[0046] Returning to FIG. 12, the description of step S103 and subsequent steps will be continued. In step S103, if the registration button B1 is pressed (step S102: Yes), the registration unit 102b executes a payment bank registration process to register a combination of banks that are permitted to transfer using the bank code of the company's account.

[0047] FIG. 14 shows an example of a payment bank check master table in the payment bank check master 106i maintained by the registration unit 102b. As shown in the payment bank check master table T9 in FIG. 14, the registration unit 102b registers a combination of banks to which transfers are permitted, based on the bank code of the company's bank account. Note that in the fourth row of the payment bank check master table T9 in FIG. 14, the company's account bank "00003: □□ Bank" and the transfer destination bank "00004: □□ Trust Bank" are different banks. However, since "□□ Trust Bank" is a "group company of □□ Bank," the transfer fee is more favorable, so the registration unit 102b can register the combination in the payment bank check master table T9. After step S103, the bank transfer fee confirmation device 100 proceeds to step S104, which will be described later.

[0048] In step S102, if the registration button B1 has not been pressed (step S102: No), the bank transfer fee confirmation device 100 returns to step S101.

[0049] In step S104, the registration unit 102b refers to the customer master 106a, bank master 106b, customer transfer destination master 106c, bank branch master 106d, property master 106e, and bank account master 106f, and registers payment detail data 106j of payment details generated by the real estate management business in accordance with the operation details of the input device 112 by the worker and the details input from outside via the communication interface unit 104.

[0050] Fig. 15 is a diagram showing a schematic overview of the registration of payment detail data. As shown in Fig. 15, the registration unit 102b registers payment details generated by the real estate management business in the payment detail data 106j in response to an operator's operation of the input device 112. Note that Fig. 15 shows examples of payment details generated by the real estate management business, including registration sources for payments to contractors, remittance of rent to owners, and security deposit returns to tenants.

[0051] Next, the acquisition unit 102c acquires payment details data from the table of payment details data 106j for the object (e.g., property code, scheduled payment date or month, etc.) for which payment details are to be determined, as specified by the worker's operation of the input device 112 (step S105).

[0052] FIG. 16 is a diagram showing an example of a payment statement data table in the payment statement data acquired by the acquiring unit 102c. As shown in the first row of the payment details data table T10 in Figure 16, the payment SEQ "1" is stored in association with the payee code "T001: Contractor A", property code "BK01: XX Building", scheduled payment date "2024 / 7 / 31", management item code "KAN001: Outsourcing fee", applicable month "2024 / 7", base amount "100,000", consumption tax "10,000", amount including tax "110,000", payment confirmation FLG "0: Unconfirmed", ..., payment method "01: Transfer", company account code "K01", company account bank " ", transfer bank code "00001: XX Bank", payee branch code "0011: XX Branch", deposit type "1: Regular", account number "9000001", and account holder name in kana "Gyosha A".

[0053] Thereafter, the acquiring unit 102c refers to the bank account master 106f, acquires the bank code from the company's account code in the payment statement data for each payment SEQ, and stores the bank code in the payment statement data (step S106).

[0054] Figure 17 is a diagram showing an example of a payment statement data table in the payment statement data after the bank code has been stored. As shown in the payment statement data table T10 shown in Figure 17, the acquisition unit 102c stores the company's account bank code corresponding to the bank code in each SEG. For example, as shown in the first row of the payment statement data table T10, the acquisition unit 102c acquires and stores the company's account bank code "00001:XX Bank" corresponding to the company's account code "K01" from the bank account master 106f.

[0055] Next, based on the payment details data, the display control unit 102a displays on the monitor 114 a payment confirmation registration screen including, for each payment, at least the company's account, the company's account bank, the transfer destination bank, and a confirmation check box that accepts input of an instruction signal indicating whether or not to confirm the transfer destination bank from the company's account bank, and a registration button that accepts input of a registration signal that registers the contents of the payment confirmation display table (step S107).

[0056] Figure 18 is a diagram showing an example of a payment confirmation registration screen displayed on the monitor 114. The payment confirmation registration screen P2 shown in Figure 18 includes a payment confirmation confirmation display table T20 corresponding to the payment detail data acquired by the acquisition unit 102c, a registration button B11, and a close button B12 for terminating the display of the payment confirmation registration screen P2.

[0057] The payment confirmation display table T20 includes, for each payment, the property, payee, management item, applicable month, payment method, company account, amount, consumption tax, amount including tax, company account bank, transfer destination bank, and confirmation check box. The worker operates the input device 112 to check each payment, company account bank, and transfer destination bank displayed in the payment confirmation display table T20, and if the worker wishes to confirm the payment, selects a check in the confirmation check box.

[0058] Thereafter, the control unit 102 determines whether or not the operator has pressed the registration button B11 by operating the input device 11 (step S108), and if the registration button B11 has been pressed (step S108: Yes), the bank transfer fee confirmation device 100 proceeds to step S109. On the other hand, if the registration button B11 has not been pressed (step S108: No), the bank transfer fee confirmation device 100 returns to step S107.

[0059] In step S109, the judgment unit 102d refers to the payment bank check master 106i and determines the combination of the company's account bank and the transfer destination bank for each payment in the payment detail data. Specifically, the judgment unit 102d refers to the payment bank check master 106i and loops through the combination of the company's account bank and the transfer destination bank for each payment detail for which the confirmation check box is checked in the payment confirmation confirmation display table T20 of Figure 18, making the combination determination. For example, in the case shown in Figure 18, the judgment unit 102d determines that the payments in the fourth to sixth rows in the payment confirmation confirmation display table T20 do not have a combination of the company's account bank and the transfer destination bank in the payment bank check master 106i, while determining that the payments in the first to third rows in the payment confirmation confirmation display table T20 do have a combination of the company's account bank and the transfer destination bank in the payment bank check master 106i, and therefore determines them to be normal data.

[0060] Next, if the determination unit 102d determines that there is payment detail data for which no combination exists (step S110: Yes), the generation unit 102e generates a warning target list (step S111). On the other hand, if the determination unit 102d determines that there is no payment detail data for which a combination exists (step S110: No), the bank transfer fee confirmation device 100 proceeds to step S114, which will be described later.

[0061] Here, a method for generating the warning target list by the generating unit 102e will be described. First, the generation unit 102e refers to the payment bank check master 106i and identifies the available accounts based on the transfer destination bank codes in the fourth to sixth rows of the payment confirmation display table T20 in Figure 18. Specifically, the generation unit 102e extracts the transfer destination bank codes from the payment bank check master 106i based on the transfer destination bank codes under the following condition (1): Specifically, the generation unit 102e extracts the transfer destination bank codes in the payment bank check master 106i that will be the transfer destination bank codes on the payment confirmation registration screen (condition (1)).

[0062] Next, the processing results for rows in which no combination exists in the payment confirmation display table T20 will be described.

[0063] First, the processing result of the fourth row in the payment confirmation display table T20 will be described. The generation unit 102e refers to the payment bank check master 106i and identifies the company's account bank code "00001:XX Bank" from the transfer destination bank code "00001:XX Bank".

[0064] Next, the processing result of the fifth row in the payment confirmation display table T20 will be described. The generation unit 102e refers to the payment bank check master 106i and identifies the company's account bank code "00002: △△ Bank" from the transfer destination bank code "00002: △△ Bank".

[0065] Finally, the processing result of the sixth row in the payment confirmation display table T20 will be described. The generation unit 102e refers to the payment bank check master 106i and determines that there is no corresponding company account bank code from the transfer destination bank code "00005: XX Bank."

[0066] In this way, the generation unit 102e refers to the payment bank check master 106i and identifies the available accounts based on the transfer destination bank codes in the fourth to sixth lines of the payment confirmation display table T20 in FIG.

[0067] Next, the generation unit 102e refers to the bank account master 106f and identifies the account code based on the company's account bank code.

[0068] First, the processing result of the fourth row in the payment confirmation display table T20 will be described. The generation unit 102e refers to the bank account master 106f and identifies the account code "K01" from the company's account bank code "00001:XX Bank".

[0069] Next, the processing result of the fifth row in the payment confirmation display table T20 will be described. The generation unit 102e refers to the bank account master 106f and identifies the account code "K02" from the company's account bank code "00002: △△ Bank".

[0070] Finally, the processing result of the sixth row in the payment confirmation display table T20 will be described. The generating unit 102e was unable to identify the corresponding company's account bank code, and therefore identifies the available account code as "unregistered."

[0071] In this way, the generation unit 102e refers to the bank account master 106f and identifies the account code based on the company's account bank code.

[0072] Finally, the generating unit 102e generates a warning target list with the relevant line number, property code, property name, payee code, payee name, and available account as variables, in accordance with the content identified by the above-mentioned process.

[0073] 19 is a diagram showing an example of a warning target list table in the warning target list generated by generation unit 102e. As shown in Fig. 19, as shown in warning target list table T30, the fourth and fifth rows in payment confirmation display table T20 are associated with usable accounts "K01" and "K02," respectively, and the sixth row in payment confirmation display table T20 is associated with the usable account "unregistered."

[0074] Returning to FIG. 12, the description of step S112 and subsequent steps will be continued. In step S112, the display control unit 102a displays on the monitor 114 a warning message including the warning target list generated by the generation unit 102e.

[0075] Fig. 20 is a diagram showing an example of a warning message displayed by the monitor 114. As shown in Fig. 20, the display control unit 102a displays a warning message screen P3 on the monitor 114, which includes the warning target list R1 generated by the generation unit 102e, a Yes button B31 that accepts input of an instruction signal to confirm the payment details, a No button B32 that accepts input of an instruction signal to modify the payment details, and a warning message M1. This allows the worker to understand the additional fee that will be charged by transferring money to another bank before making the payment, even if the worker has an account with the company, and also allows the worker to intuitively understand the company's available accounts.

[0076] Subsequently, if the Yes button B31 is selected and an instruction signal to confirm the payment details is input from the Yes button B31 (step S113: Yes), the bank transfer fee confirmation device 100 proceeds to step S114. On the other hand, if the Yes button B31 is not selected and an instruction signal to confirm the payment details is not input from the Yes button B31 (step S113: No), the bank transfer fee confirmation device 100 returns to step S107. In this case, the operator operates the input device 112 to correct the company's account bank in the warning target list R1 on the payment confirmation registration screen P2.

[0077] Figure 21 is a diagram showing another example of the payment confirmation registration screen displayed on monitor 114. As shown in Figure 21, the worker operates input device 112 to enter the company's account numbers as "K01" and "K02" for the payment details of payees "Vendor D" (Payment SEQ4, Payment SEQ5) and "Vendor E," respectively, and to correct the company's account bank numbers to "00001: XX Bank" and "00002: △△ Bank." Note that because the combination is not registered in payment bank check master 106i, the worker confirms the payment for "Vendor F" (Payment SEQ6) without changing the company's account bank code, and then presses the register button B11.

[0078] The update unit 102f then confirms the payment detail data (step S114). Specifically, the update unit 102f updates and confirms the payment detail data in accordance with the content corrected and confirmed on the payment confirmation registration screen P2 shown in FIG. 21. FIG. 22 is a diagram showing an example of a payment detail data table in the confirmed payment detail data. As shown in the payment detail data table T10 shown in FIG. 22, the update unit 102f updates and confirms the company account banks of payment SEQ4 and payment SEQ5 to "00001: XX Bank" and "00002: △△ Bank". Furthermore, the update unit 102f updates the payment confirmation FLG of each payment SEQ to "1: Confirmed". Note that because the combination is not registered in the payment bank check master 106i, the payment is confirmed without changing the company account bank code of payment SEQ6.

[0079] Next, the output control unit 102g creates banking data to be uploaded to firm banking based on the payment statement data confirmed by the update unit 102f (step S115). In this case, the output control unit 102g outputs the created banking data to the outside via the communication interface unit 104. After step S115, the bank transfer fee confirmation device 100 ends this process.

[0080] According to the embodiment described above, when there is a payment code for which the judgment unit 102d has determined that there is no combination of the company's own account bank and the transfer destination bank, the display control unit 102a displays a warning message on the monitor 114 regarding the payment details corresponding to the payment code for which there is no combination of the company's own account bank and the transfer destination bank. This allows the worker to understand before paying the additional fee for transferring to another bank, even if there is a company account, and therefore makes it possible to reduce fees for bank transfers in payment operations.

[0081] According to the embodiment described above, the registration unit 102b executes a payment bank registration process to register the combination of banks that are permitted to transfer using the bank code of the company's account in the payment bank check master 106i, thereby reducing the workload of checking the combination of the transfer destination account and the company's account.

[0082] Furthermore, according to the embodiment, the output control unit 102g creates banking data to be uploaded to firm banking based on the payment details data confirmed by the update unit 102f, so that the fees for bank transfers can be reduced without the worker having to perform complicated work.

[0083] Furthermore, according to the embodiment, the display control unit 102a displays the warning target list on the monitor 114, so that the worker can intuitively understand the combination of the transfer destination account and the worker's own account without having to check the combination of the transfer destination account and the worker's own account.

[0084] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0085] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0086] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0087] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0088] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0089] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0090] Furthermore, with regard to the bank transfer fee confirmation device 100, the components shown in the figure are functional concepts, and the device does not necessarily have to be physically configured as shown in the figure.

[0091] For example, all or any part of the processing functions of the bank transfer fee confirmation device 100, particularly the processing functions performed by the control unit, may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the bank transfer fee confirmation device 100 as needed. That is, a computer program for cooperating with the OS to issue instructions to the CPU and perform various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

[0092] In addition, this computer program may be stored in an application program server connected to the bank transfer fee confirmation device 100 via any network, and it is also possible to download all or part of it as needed.

[0093] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0094] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0095] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0096] The bank transfer fee confirmation device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The bank transfer fee confirmation device 100 may also be realized by installing software (including programs or data) that causes the device to realize the processing described in this embodiment.

[0097] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0098] The present invention is useful in industries such as the real estate industry, which have a large number of payment recipients and transaction fees to be paid. [Explanation of symbols]

[0099] 100 Bank transfer fee confirmation device 102 Control section 102a Display control unit 102b Registration Department 102c Acquisition Department 102d Judgment section 102e Generator 102f Update section 102g Output control section 104 Communication interface unit 106 Storage section 106a Customer Master 106b Bank Master 106c Customer transfer destination master 106d Bank branch master 106e Property Master 106f Bank Account Master 106g Management Item Master 106h Payment method master 106i Bank Check Master at Time of Payment 106j Payment details data 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A bank transfer fee confirmation device including a control unit, A payment bank check master that associates the transfer destination bank code of the bank that is permitted to transfer with each company's account bank code, A bank account master that associates the company's account bank code, company's account branch code, deposit type, account number, and account holder name for each account code; Payment statement data that associates, for each payment code, at least the relevant month, the amount of the product, the payment method, the company's account code, the company's account bank code, and the transfer destination bank code; is accessible to The control unit an acquisition unit that acquires, from the payment statement data, payment statement data that determines payment details corresponding to the designated relevant month input from the outside and a bank code from a bank account master based on the company's own account in the payment statement data; a display control unit that displays on a monitor a payment confirmation registration screen including, for each payment based on the payment details data acquired by the acquisition unit, at least a payment confirmation confirmation display table including a confirmation check box that accepts input of an instruction signal indicating whether or not to confirm the transfer destination bank from the company's account bank, the company's account bank, and the transfer details data acquired by the acquisition unit, and a registration button that accepts input of a registration signal that registers the contents of the payment confirmation confirmation display table; a determination unit that, when the registration button is pressed, refers to the payment bank check master and determines the combination of the company's account bank and the transfer destination bank for each payment code for which the confirmation check box is checked; Equipped with The display control unit If there is a payment code for which the determination unit determines that there is no combination of the company's account bank and the transfer destination bank, a warning message is displayed on the monitor regarding payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank. A bank transfer fee confirmation device comprising:

2. 2. The bank transfer fee confirmation device according to claim 1, The control unit The bank code of the bank account of the bank transfer company is inputted in response to an external operation, and a registration unit is further provided for registering the bank code of the bank transfer company inputted in response to an external operation in combination with the bank check master at the time of payment. A bank transfer fee confirmation device comprising:

3. 3. The bank transfer fee confirmation device according to claim 2, The control unit The bank account master and the bank check master are referenced, and a warning list is generated to generate a list of available accounts for a payment code for which the determination unit determines that a combination of the bank account and the transfer destination bank does not exist. The display control unit further displaying the warning target list on a monitor; A bank transfer fee confirmation device comprising:

4. 4. The bank transfer fee confirmation device according to claim 3, The control unit an update unit that updates and confirms the detailed payment data corresponding to the payment confirmation display table when the registration button is pressed and the registration signal is input; an output control unit that creates banking data to be uploaded to firm banking based on the detail control data confirmed by the update unit and outputs the created banking data to the outside; and A bank transfer fee confirmation device comprising:

5. A bank transfer fee confirmation method executed by a bank transfer fee confirmation device having a control unit, The bank transfer fee confirmation device A payment bank check master that associates the transfer destination bank code of the bank that is permitted to transfer with each company's account bank code, A bank account master that associates the company's account bank code, company's account branch code, deposit type, account number, and account holder name for each account code; Payment statement data that associates, for each payment code, at least the relevant month, the amount of the product, the payment method, the company's account code, the company's account bank code, and the transfer destination bank code; is accessible to Executed by the control unit, an acquisition step of acquiring payment statement data for determining payment details corresponding to a specified relevant month input from the outside from the payment statement data and a bank code from a bank account master based on the company's own account in the payment statement data; a display control step of displaying on a monitor a payment confirmation registration screen including, for each payment based on the payment details data acquired in the acquisition step, at least a payment confirmation display table including a company account, company account bank, transfer destination bank, and a confirmation check box for receiving input of an instruction signal for whether or not to confirm the transfer destination bank from the company account bank, and a registration button for receiving input of a registration signal for registering the contents of the payment confirmation display table; a determination step in which, when the registration button is pressed, the payment bank check master is referenced and a combination of the company's account bank and the transfer destination bank is determined for each payment code for which the confirmation check box is checked; Including, The display control step includes: If there is a payment code for which it is determined that there is no combination of the company's account bank and the transfer destination bank in the determination step, a warning message is displayed on the monitor regarding the payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank; A method for checking bank transfer fees.

6. A bank transfer fee confirmation program to be executed by a bank transfer fee confirmation device having a control unit, The bank transfer fee confirmation device A payment bank check master that associates the transfer destination bank code of the bank that is permitted to transfer with each company's account bank code, A bank account master that associates the company's account bank code, company's account branch code, deposit type, account number, and account holder name for each account code; Payment statement data that associates, for each payment code, at least the relevant month, the amount of the product, the payment method, the company's account code, the company's account bank code, and the transfer destination bank code; is accessible to The control unit an acquisition step of acquiring payment statement data for determining payment details corresponding to a specified relevant month input from the outside from the payment statement data and a bank code from a bank account master based on the company's own account in the payment statement data; a display control step of displaying on a monitor a payment confirmation registration screen including, for each payment based on the payment details data acquired in the acquisition step, at least a payment confirmation display table including a company account, company account bank, transfer destination bank, and a confirmation check box for receiving input of an instruction signal for whether or not to confirm the transfer destination bank from the company account bank, and a registration button for receiving input of a registration signal for registering the contents of the payment confirmation display table; a determination step in which, when the registration button is pressed, the payment bank check master is referenced and a combination of the company's account bank and the transfer destination bank is determined for each payment code for which the confirmation check box is checked; Execute The display control step includes: If there is a payment code for which it is determined that there is no combination of the company's account bank and the transfer destination bank in the determination step, a warning message is displayed on the monitor regarding the payment details corresponding to the payment code for which there is no combination of the company's account bank and the transfer destination bank; To execute the A bank transfer fee confirmation program featuring:

Images