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 Art

[0002] Patent Document 1 discloses a technology that, based on information related to fees when a user conducts a transaction using a form at a financial institution and information related to bringing the form created by the user from print form information to the financial institution, sets the fees for transactions using the form based on the print form information, thereby enabling form creation and management and reducing the form processing load at the financial institution.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of Invention

Problems to be Solved by the Invention

[0004] By the way, in payment operations such as real estate leasing business, the destinations of payments are diverse, including payment of outsourcing fees related to real estate operation and repair to various contractors, remittance of rent collected on behalf of the owner for real estate under management outsourcing, and refund of security deposits to lessees when a lessee submits a cancellation notice, and the transaction volume of payments tends to increase depending on the number and scale of managed real estate properties. For this reason, in payment operations such as real estate leasing business, if the bank of the account used by the company itself is different from the bank of the account specified by the transfer destination, the transfer fee will be higher than that for transfers within the same bank, leading to the problem that the fees will increase as the transaction volume increases.

[0005] Furthermore, business operators engaged in real estate leasing and the like may hold multiple company accounts for use in payments, but no consideration has been given to reducing transfer fees, leaving room for improvement.

[0006] The present invention has been made in view 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 bank transfer fees in payment operations. [Means for solving the problem]

[0007] To solve the above-mentioned problems and achieve the objective, the bank transfer fee confirmation device according to the present invention is a bank transfer fee confirmation device equipped with a control unit, which is able to access a payment bank check master that associates the recipient bank code of a bank authorized to make transfers with each of the company's own account bank codes, a bank account master that associates the company's own account bank code, the company's own account branch code, deposit type, account number, and account holder name with each account code, and payment detail data that associates at least the relevant month, the principal amount, payment method, the company's own account code, the company's own account bank code, and the recipient bank code with each payment code, and the control unit is able to access payment detail data that determines the payment details corresponding to a specified relevant month input from an external source and an acquisition unit that acquires a bank code from the bank account master based on the company's own account in the payment detail data, and based on the payment detail data acquired by the acquisition unit, The system includes a display control unit that displays a payment confirmation registration screen on a monitor, which for each payment includes at least the company's own account, the company's bank, the recipient bank, and a confirmation checkbox that accepts input of an instruction signal to confirm the recipient bank from the company's bank; and a registration button that accepts input of a registration signal to register the contents of the payment 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 bank and the recipient bank for each payment code in which the confirmation checkbox is checked, wherein the display control unit displays a warning message on the monitor regarding the payment details corresponding to the payment code for which no combination of the company's bank and the recipient bank exists if the determination unit determines that no combination of the company's bank and the recipient bank exists for any payment code.

[0008] Furthermore, 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 equipped with a control unit, wherein the bank transfer fee confirmation device has access to a payment bank check master which associates the recipient bank code of a bank authorized to make transfers with each of the company's own account bank codes, a bank account master which associates the company's own account bank code, the company's own account branch code, deposit type, account number, and account holder name with each account code, and payment detail data which associates at least the relevant month, the principal amount, payment method, the company's own account code, the company's own account bank code, and the recipient bank code with each payment code, and the control unit executes an acquisition step which obtains payment detail data which determines the payment details corresponding to a specified relevant month input from an external source and obtains a bank code from the bank account master based on the company's own account in the payment detail data, and the payment detail data obtained in the acquisition step Based on this, the system includes a display control step that displays a payment confirmation registration screen on a monitor for each payment, which includes at least a payment confirmation display table that accepts input of an instruction signal to confirm the company's account, the company's bank, the recipient bank, and a confirmation checkbox that accepts input of an instruction signal to confirm the recipient bank from the company's bank, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table, and a determination step that, when the registration button is pressed, refers to the payment bank check master and determines the combination of the company's bank and the recipient bank for each payment code in which the confirmation checkbox is checked, wherein the display control step displays a warning message on the monitor regarding the payment details corresponding to the payment code for which no combination of the company's bank and the recipient bank exists, if the determination step determines that no combination of the company's bank and the recipient bank exists for any payment code.

[0009] Furthermore, 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 equipped with a control unit, wherein the bank transfer fee confirmation device has access to a payment bank check master which associates the recipient bank code of a bank authorized to make transfers with each of the company's own account bank codes, a bank account master which associates the company's own account bank code, the company's own account branch code, deposit type, account number, and account holder name with each account code, and payment detail data which associates at least the relevant month, the principal amount, payment method, the company's own account code, the company's own account bank code, and the recipient bank code with each payment code, and the control unit has access to an acquisition step which obtains payment detail data which determines the payment details corresponding to a specified relevant month input from an external source and a bank code from the bank account master based on the company's own account in the payment detail data, and based on the payment detail data obtained in the acquisition step The system is characterized by the following steps: a display control step in which, for each payment, a payment confirmation display table is displayed on a monitor, which includes at least the company's own account, the company's bank, the recipient bank, and a confirmation checkbox that accepts input of an instruction signal to confirm the recipient bank from the company's bank; and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table; and when the registration button is pressed, a determination step is performed which refers to the payment bank check master and determines the combination of the company's bank and the recipient bank for each payment code in which the confirmation checkbox is checked; and if the display control step determines that there is no combination of the company's bank and the recipient bank for any payment code, a warning message regarding the payment details corresponding to the payment code for which there is no combination of the company's bank and the recipient bank is displayed on the monitor. [Effects of the Invention]

[0010] According to the present invention, the effect of reducing bank transfer fees in payment operations is achieved. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a schematic diagram showing an overview of an example of the configuration of a bank transfer fee confirmation device according to an embodiment. [Figure 2] Figure 2 shows an example of a customer master table in the customer master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 3] Figure 3 shows 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] Figure 4 shows an example of a customer transfer destination master table in the customer transfer destination master stored in the storage unit of the bank transfer fee confirmation device according to the embodiment. [Figure 5] Figure 5 shows 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] Figure 6 shows 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] Figure 7 shows 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] Figure 8 shows 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] Figure 9 shows 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] Figure 10 shows 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] Figure 11 illustrates a comparative example of transfer fees for transfers to the same bank and to other banks. [Figure 12]Figure 12 is a flowchart showing an outline of processing executed by the bank transfer fee confirmation device according to the embodiment. [Figure 13] Figure 13 is a diagram showing an example of the bank check maintenance screen at the time of payment displayed by the monitor. [Figure 14] Figure 14 is a diagram showing an example of a bank check master table at the time of payment in the bank check master at the time of payment that has undergone bank check master maintenance at the time of payment by the registration unit of the control unit included in the bank transfer fee confirmation device according to the embodiment. [Figure 15] Figure 15 is a diagram schematically showing an outline of registration of payment detail data. [Figure 16] Figure 16 is a diagram showing an example of a payment detail data table in the payment detail data acquired by the acquisition unit of the control unit included in the bank transfer fee confirmation device according to the embodiment. [Figure 17] Figure 17 is a diagram showing an example of the payment detail data table in the payment detail data after storing the bank code. [Figure 18] Figure 18 is a diagram showing an example of the payment confirmation registration screen displayed by the monitor. [Figure 19] Figure 19 is a diagram showing an example of a warning target list table in the warning target list generated by the generation unit of the control unit included in the bank transfer fee confirmation device according to the embodiment. [Figure 20] Figure 20 is a diagram showing an example of a warning message displayed by the monitor. [Figure 21] Figure 21 is a diagram showing another example of the payment confirmation registration screen displayed by the monitor. [Figure 22] Figure 22 is a diagram showing an example of the payment detail data table in the payment detail data after confirmation. [Mode for Carrying Out the Invention]

[0012] In the following, embodiments of the bank transfer fee confirmation device, the bank transfer fee confirmation method, and the bank transfer fee confirmation program according to the present invention will be described in detail based on the drawings. The present invention is not limited by the present embodiment.

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

[0014] The bank transfer fee confirmation device 100 shown in Figure 1 is a commercially available desktop personal computer. However, the bank transfer fee confirmation device 100 is not limited to stationary information processing devices such as desktop personal computers, but may also be portable information processing devices such as commercially available notebook personal computers, PDAs (Personal Digital Assistants), smartphones, or tablet personal computers.

[0015] The bank transfer fee verification device 100 comprises a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the bank transfer fee verification device 100 is connected to communicate via any communication path.

[0016] The communication interface unit 104 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 the function of communicating data with other devices and via the communication line. Here, the network 300 has the 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 storage unit 106 may be stored in, for example, the server 200.

[0017] The input / output interface unit 108 is connected to an input device 112 and an output device 114. The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that works in conjunction with the mouse to provide pointing device functionality. 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 mouse 112.

[0018] The storage unit 106 stores various databases, tables, and files. The storage unit 106 also stores computer programs that work in cooperation with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. The storage unit 106 stores customer master 106a, bank master 106b, customer transfer destination master 106c, bank branch master 106d, property master 106e, bank account master 106f, management item master 106g, payment method master 106h, payment bank check master 106i, and payment details data 106j.

[0019] The customer master table 106a stores customer names associated with each customer code. Figure 2 shows an example of a customer master table in customer master table 106a. As shown in the first row of customer master table T1 in Figure 2, the customer name "Vendor A" is associated with the customer code "T001".

[0020] The bank master 106b stores the bank name associated with each bank code. Figure 3 shows an example of a bank master table in bank master 106b. As shown in the first row of bank master table T2 in Figure 3, the bank name "○○ Bank" is associated with the bank code "00001".

[0021] The customer transfer destination master 106c records the payee bank code, payee branch code, deposit type, account number, and account holder name in katakana for each customer code. Figure 4 shows an example of the customer transfer destination master table in 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 associated with the payee bank code "00001: ○○ Bank", the payee branch code "0011: ○○ Branch", the deposit type "1: Ordinary", the account number "9000001", and the account holder name in katakana "GYOSHA A".

[0022] The bank branch master 106d stores the branch code and branch name associated with each bank code. Figure 5 shows an example of the bank branch master table in the bank branch master 106d. As shown in the first row of the bank branch master table T4 in Figure 5, the bank code "00001" is associated with the branch code "0011" and the branch name "○○ Branch".

[0023] Property master 106e stores property names associated with property codes. Figure 6 shows an example of a property master table in property master 106e. As shown in the first row of property master table T5 in Figure 6, the property name "○○ Building" is associated with the property code "BK01".

[0024] The bank account master 106f stores the company's bank code, branch code, deposit type, account number, and account holder's name in katakana, associated with each account code. Figure 7 shows an example of the bank account master table in the bank account master 106f. As shown in the first row of bank account master table T6 in Figure 7, the account code "K01" is associated with the company's bank code "00001: XX Bank", the company's branch code "0011: XX Branch", the deposit type "1: Ordinary", the account number "1000001", and the account holder's name in katakana "Ka) XX Fudousan Kanri".

[0025] The management item master 106g stores management item names associated with management item codes. Figure 8 shows an example of a management item master table in management item master 106g. As shown in the first row of management item master table T7 in Figure 8, the management item name "Outsourcing Fee" is associated with the management item code "KAN001".

[0026] The payment method master 106h stores payment method names associated with payment method codes. Figure 9 shows an example of a payment method master table in payment method master 106h. As shown in the first row of payment method master table T8 in Figure 9, the payment method code "01" is associated with the payment method name "Bank Transfer".

[0027] The payment bank check master 106i stores the recipient bank associated with each of the company's own account banks. Figure 10 shows an example of the 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 recipient bank "00001: ○○ Bank" is associated with the company's own account bank "00001: ○○ Bank".

[0028] The payment details data 106j stores the following information associated with the payment sequence: payee code, property code, payment due date, management item code, applicable month, base amount, consumption tax, tax-inclusive amount, payment confirmation FLG, ..., payment method, company account code, company account bank, recipient bank code, payee branch code, deposit type, account number, and account holder name (in katakana). Further details of the payment details data 106j will be described later.

[0029] Returning to Figure 1, we will continue the explanation of the configuration of the bank transfer fee verification device 100. 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 the OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs. The control unit 102 includes 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 the payment bank check master maintenance screen on the monitor 114. The display control unit 102a also displays a payment confirmation registration screen on the monitor 114 for each payment based on the payment details data, which includes a payment confirmation display table that accepts input of an instruction signal to confirm the company account, the company account bank, the recipient bank, and whether or not to confirm the recipient bank from the company account bank, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table.

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

[0032] The acquisition unit 102c acquires payment details data from the payment details data 106j table to determine the target (e.g., item code, payment due date, or relevant month) for which the payment details specified by the operator's operation of the input device 112 are to be finalized.

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

[0034] The generation unit 102e generates a list of items to be flagged for warning. Specifically, the generation unit 102e generates a list of items to be flagged for warning using the relevant business number, property code, property name, payee code, and payee name as variables.

[0035] The update unit 102f confirms the payment details data. Specifically, the update unit 102f confirms the payment details data according to the content that has been corrected and confirmed on the payment confirmation registration screen.

[0036] The output control unit 102g creates banking data for uploading to the firm banking system based on the payment details data.

[0037] [2. Background of Payment Operations in the Real Estate Rental Business] Next, I will explain the background of payment procedures in the traditional real estate rental business. Traditionally, payment operations in real estate rental businesses have involved a wide range of recipients, as shown in (1) to (3) below. (1) Payment of outsourcing fees to various contractors related to the management and repair of real estate. (2) For properties under management, the rent collected on behalf of the owner will be sent to the owner. (3) If the landlord requests termination of the contract, the security deposit will be refunded to the tenant. The various types of businesses mentioned above include security, cleaning, inspection, and construction services.

[0038] Thus, in real estate rental payment operations, the volume of payment transactions tends to increase with the number and scale of properties managed. For this reason, in real estate rental payment operations, if the company's account and the recipient's account are at different banks, the transfer fees will be higher compared to transfers to the same bank.

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

[0040] Thus, in real estate rental payment operations, when the volume of payment transactions increases due to the number and scale of properties managed, if the company's account and the recipient's account are at different banks, the transfer fees will be higher compared to transfers to the same bank, resulting in increased fees.

[0041] Furthermore, real estate management companies are implementing operational procedures to reduce bank transfer fees. Specifically, real estate management companies have established operational rules to visually verify the bank of the recipient account and, if they have an account with the same bank, to make payments from that account. In addition, before the payment details are finalized in the real estate management system, the data entry staff, senior verifiers, and accounting department staff visually verify that the combination of the recipient account and the company's account conforms to the above rules. As a result, in the conventional payment operations for real estate rentals, the manual visual verification of payment details led to a problem where the workload increased as the volume of transactions increased. Therefore, the bank transfer fee verification device 100 aims to reduce bank transfer fees in payment operations while reducing the workload on workers.

[0042] [3. Processes performed by the bank transfer fee verification device] Next, we will describe the processes performed by the bank transfer fee confirmation device 100. Figure 12 is a flowchart showing an overview of the processes performed by the bank transfer fee confirmation device 100.

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

[0044] Figure 13 shows an example of the payment bank check master maintenance screen displayed by monitor 114. The payment bank check master maintenance screen P1 shown in Figure 13 includes an input cell K1 where the company's own account bank code can be entered, an input cell K2 where the recipient bank code can be entered, a registration button B1 for registering the combination of the company's account and the recipient 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 operator operates the input device 112, enters the desired input codes into input cells K1 and K2, and presses the registration button B1. As shown in Figure 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 codes entered in input cells K1 and K2, for example, "○○ Bank," on the payment bank check master maintenance screen P1. This allows the operator to confirm the combination of their own account and the recipient bank.

[0046] Returning to Figure 12, we will continue the explanation from step S103 onwards. 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 the combination of banks that are permitted to make transfers using the bank code of the company's own account.

[0047] Figure 14 shows an example of the 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 Figure 14, the registration unit 102b registers combinations of banks that are permitted to make transfers, using the bank codes of the company's own bank accounts. Note that in the fourth row of the payment bank check master table T9 in Figure 14, the company's own bank "00003: □□ Bank" and the recipient bank "00004: □□ Trust Bank" are different banks. However, since "□□ Trust Bank" is a "group company of □□ Bank", the transfer fees are 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] If the registration button B1 is not pressed in step S102 (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 details data 106j for payment details generated from real estate management business, corresponding to the operations of the input device 112 by the worker and the content entered from the outside via the communication interface unit 104.

[0050] Figure 15 is a schematic diagram illustrating the overview of the registration of payment details data. As shown in Figure 15, the registration unit 102b registers payment details generated from real estate management business into payment details data 106j in response to the operation of the input device 112 by the operator. In Figure 15, examples of payment details generated from real estate management business are shown, including the sources of registration for payments to contractors, rent remittances to owners, and security deposit refunds to tenants.

[0051] Next, the acquisition unit 102c acquires payment details data from the payment details data 106j table to determine the target for confirming the payment details specified by the operator's operation of the input device 112 (for example, the item code, the scheduled payment date, or the relevant month, etc.) (step S105).

[0052] Figure 16 shows an example of a payment details data table in the payment details data acquired by the acquisition unit 102c. As shown in the first row of the payment details data table T10 in Figure 16, the payment sequence "1" is associated with the following information: payee code "T001: Contractor A", property code "BK01: ○○ 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", tax-inclusive amount "110,000", payment confirmation FLG "0: Unconfirmed", ..., payment method "01: Bank transfer", company account code "K01", company account bank " ", transfer destination bank code "00001: ○○ Bank", payee branch code "0011: ○○ Branch", deposit type "1: Ordinary", account number "9000001", and account holder name in katakana "Gyosha A".

[0053] Subsequently, the acquisition unit 102c refers to the bank account master 106f and obtains the bank code from the company's account code in the payment details data for each payment sequence, and stores it in the payment details data (step S106).

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

[0055] Next, the display control unit 102a displays a payment confirmation registration screen on the monitor 114 based on the payment details data, which includes a payment confirmation display table that accepts input of an instruction signal to confirm the company account, the company account bank, the recipient bank, and the recipient bank from the company account bank, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table (step S107).

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

[0057] The Payment Confirmation Display Table T20 includes, for each payment, the item, payee, management item, applicable month, payment method, company account, amount, consumption tax, tax-inclusive amount, company account bank, transfer destination bank, and a confirmation checkbox. The operator 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 selects the confirmation checkbox if they wish to confirm the payment.

[0058] Subsequently, the control unit 102 determines whether or not the registration button B11 has been pressed by the operator operating the input device 11 (step S108). If the registration button B11 has been pressed (step S108: Yes), the bank transfer fee confirmation device 100 proceeds to step S109. Conversely, 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 determination unit 102d refers to the payment bank check master 106i and determines the combination of the company's account bank and the recipient bank for each payment in the payment details data. Specifically, the determination unit 102d refers to the payment bank check master 106i and, for each payment detail in the payment confirmation display table T20 in Figure 18 where the confirmation check box is turned on, it performs a combination check of the company's account bank and the recipient bank by looping through each row. For example, as shown in Figure 18, the determination unit 102d determines that there is no combination of the company's account bank and the recipient bank in the payment bank check master 106i for the payments in rows 4 to 6 of the payment confirmation display table T20, while determining that there is a combination of the company's account bank and the recipient bank in the payment bank check master 106i for the payments in rows 1 to 3 of the payment confirmation display table T20, and determines them as 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 list of items to be warned about (step S111). Conversely, 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, we will explain how the warning target list generated by the generation unit 102e is generated. First, the generation unit 102e refers to the payment bank check master 106i and identifies available accounts based on the recipient bank codes in rows 4 to 6 of the payment confirmation display table T20 in Figure 18. Specifically, the generation unit 102e extracts recipient bank codes from the payment bank check master 106i based on the following condition (1). Specifically, it extracts recipient bank codes from the payment bank check master 106i that match the recipient bank codes on the payment confirmation registration screen (condition (1)).

[0062] Next, we will explain the processing results for rows in the payment confirmation display table T20 where no combination exists.

[0063] First, let's explain the processing result for the fourth row in the payment confirmation display table T20. The generation unit 102e refers to the payment bank check master 106i and identifies the company's own account bank code "00001: ○○ Bank" from the recipient bank code "00001: ○○ Bank".

[0064] Next, we will explain the processing result for the 5th row in the payment confirmation display table T20. The generation unit 102e refers to the payment bank check master 106i and identifies the company's own account bank code "00002:△△ Bank" from the recipient bank code "00002:△△ Bank".

[0065] Finally, we will explain the processing result for row 6 in the payment confirmation display table T20. The generation unit 102e refers to the payment bank check master 106i and identifies the corresponding company account bank code as none from the recipient bank code "00005: XX Bank".

[0066] Thus, the generation unit 102e refers to the payment bank check master 106i and identifies available accounts based on the respective recipient bank codes in rows 4 to 6 of the payment confirmation display table T20 in Figure 18.

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

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

[0069] Next, we will explain the processing result for the 5th row in the payment confirmation display table T20. The generation unit 102e refers to the bank account master 106f and identifies the account code "K02" from the company's own account bank code "00002: △△ Bank".

[0070] Finally, we will explain the processing result for row 6 in the payment confirmation display table T20. The generation unit 102e was unable to identify the corresponding company account bank code and therefore identified 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 own bank account code.

[0072] Finally, the generation unit 102e generates a list of items to be flagged, with the relevant row number, item code, item name, payee code, payee name, and available account as variables, according to the information identified by the above-described process.

[0073] Figure 19 shows an example of a warning target list table in the warning target list generated by the generation unit 102e. As shown in Figure 19, as shown in the warning target list table T30, the 4th and 5th rows of the payment confirmation display table T20 are associated with the available accounts "K01" and "K02", respectively, and the 6th row of the payment confirmation display table T20 is associated with the available account "Not Registered".

[0074] Returning to Figure 12, we will continue the explanation from step S112 onwards. In step S112, the display control unit 102a displays a warning message, including the list of items to be warned about, generated by the generation unit 102e, on the monitor 114.

[0075] Figure 20 shows an example of a warning message displayed by the monitor 114. As shown in Figure 20, the display control unit 102a displays the warning target list R1 generated by the generation unit 102e, a yes button B31 that accepts an input of an instruction signal to confirm the payment details, a no button B32 that accepts an input of an instruction signal to modify the payment details, a warning message M1, and a warning message screen P3 on the monitor 114. This allows workers to be aware of the increased fees for transfers to other banks even if they have their own bank account, and to intuitively understand which of their company's accounts are available.

[0076] Next, 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 no instruction signal to confirm the payment details is 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 and corrects the company's bank account in the warning list R1 on the payment confirmation registration screen P2.

[0077] Figure 21 shows another example of the payment confirmation registration screen displayed by monitor 114. As shown in Figure 21, the operator operates the input device 112 to change the company's account to "K01" and "K02" for each payment detail of payee "Vendor D" (payment SEQ4, payment SEQ5) and "Vendor E", and to the company's bank accounts to "00001: ○○ Bank" and "00002: △△ Bank". Note that, because the combination is not registered in the payment bank check master 106i, the operator confirms the payment for the payment detail of "Vendor F" (payment SEQ6) without changing the company's bank account code and presses the registration button B11.

[0078] Subsequently, the update unit 102f confirms the payment details data (step S114). Specifically, the update unit 102f updates and confirms the payment details data according to the content corrected and confirmed on the payment confirmation registration screen P2 shown in Figure 21. Figure 22 shows an example of a payment details data table in the confirmed payment details data. As shown in the payment details data table T10 in Figure 22, the update unit 102f updates and confirms the company's account bank for each of payment SEQ4 and payment SEQ5 to "00001: ○○ Bank" and "00002: △△ Bank". Furthermore, the update unit 102f updates the payment confirmation FLG for each payment SEQ to "1: Confirmed". Note that since the combination is not registered in the payment bank check master 106i, the payment is confirmed without changing the company's account bank code for payment SEQ6.

[0079] Next, the output control unit 102g creates banking data to be uploaded to the firm banking system based on the payment details 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 terminates this process.

[0080] According to the embodiment described above, if the display control unit 102a determines by the determination unit 102d that there is no combination of the company's own bank account and the recipient bank for a payment code, it displays a warning message on the monitor 114 regarding the payment details corresponding to the payment code for which no combination of the company's own bank account and the recipient bank exists. As a result, the operator can identify the payment code before paying the surcharge for transfers to other banks, even though they have their own bank account, thus reducing bank transfer fees 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 funds using the bank code of the company's own account in the payment bank check master 106i, thereby reducing the workload of verifying the combination of the recipient account and the company's own account.

[0082] Furthermore, according to this embodiment, the output control unit 102g creates banking data for uploading to farm banking based on the payment details data confirmed by the update unit 102f, thus reducing bank transfer fees without requiring workers to perform complicated tasks.

[0083] Furthermore, according to this embodiment, the display control unit 102a displays the list of items to be warned on the monitor 114, so that the worker can intuitively understand the combination of the recipient account and the company's own account without having to check the combination of the recipient account and the company's own account.

[0084] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving operational efficiency and promoting appropriate management decisions within companies, thereby enabling contributions to SDGs Goals 8 and 9.

[0085] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and digital processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0086] Furthermore, this embodiment can contribute to strengthening control and governance, thereby enabling contributions to SDG Goal 16.

[0087] [5. Other Embodiments] In addition to the embodiments described above, the present invention may be implemented in various different embodiments within the scope of the technical idea described 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 by known methods.

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

[0090] Furthermore, with respect to the bank transfer fee confirmation device 100, each component shown in the illustration is a functional concept and does not necessarily need to be physically configured as shown.

[0091] For example, the processing functions of the bank transfer fee confirmation device 100, particularly those performed in the control unit, may be implemented in whole or in part by a CPU and a program interpreted and executed by the CPU, or they may be implemented as wired logic hardware. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for 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 storage unit such as ROM or HDD (Hard Disk Drive) contains a computer program that works in cooperation with the OS to give instructions to the CPU and perform various processing tasks. This computer program is executed by being loaded into RAM and works in cooperation with the CPU to constitute the control unit.

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

[0093] Furthermore, the program for executing the processing described in this embodiment may be stored on a non-temporary computer-readable recording medium, or it may be configured as a program product. Here, "recording medium" includes any "portable physical medium" such as memory cards, USB (Universal Serial Bus) memory, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (Registered Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROMs (Compact Disk Read Only Memory), MOs (Magneto-Optical disks), DVDs (Digital Versatile Disks), and Blu-ray (Registered Trademark) Discs.

[0094] Furthermore, "program" refers to a data processing method described in any language or writing method, regardless of its format, such as source code or binary code. Note that "program" is not necessarily limited to a single, monolithic structure; it also includes distributed structures consisting of multiple modules or libraries, and those that work in cooperation with other programs, such as an operating system, to achieve their functions. Regarding the specific configuration and reading procedures for reading the recording medium in each device shown in the embodiments, as well as the installation procedures after reading, well-known configurations and procedures can be used.

[0095] The various databases stored in the memory unit are 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 website provision.

[0096] Furthermore, the bank transfer fee confirmation device 100 may be configured as an information processing device such as a known personal computer or workstation, or as an information processing device to which any peripheral devices are connected. Alternatively, the bank transfer fee confirmation device 100 may be implemented by installing software (including programs or data, etc.) on the device that enables the processing described in this embodiment.

[0097] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the figures, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit according to various additions or functional loads. In other words, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively. [Industrial applicability]

[0098] This invention is useful in industries with a large number of payment recipients and transaction fees, such as the real estate industry. [Explanation of Symbols]

[0099] 100 Bank Transfer Fee Confirmation Device 102 Control Unit 102a Display Control Unit 102b Registration Department 102c Acquisition Department 102d Judgment section 102e Generator 102f Update section 102g Output Control Unit 104 Communication Interface Section 106 Storage section 106a Customer Master 106b Bank Master 106c Customer Bank Transfer Account Master 106d Bank Branch Master 106e Property Master 106f Bank Account Master 106g Management Item Master 106h Payment Method Master 106i Payment Bank Check Master 106j Payment Details Data 108 Input / Output Interface Section 112 Input device 114 Output device 200 servers 300 Networks

Claims

1. A bank transfer fee verification device equipped with a control unit, A payment bank check master that associates the recipient bank codes of banks authorized to make transfers with each of the company's own account bank codes, A bank account master is created that associates each account code with the company's own bank code, company's own branch code, deposit type, account number, and account holder name. For each payment code, payment details data is provided that associates at least the relevant month, the amount, payment method, the company's account code, the company's bank code, and the recipient bank code. Accessible, The control unit, An acquisition unit that obtains the target payment details data from the aforementioned payment details data to determine the payment details corresponding to the specified month entered from an external source, refers to the bank account master, obtains the company's own account bank code corresponding to the company's own account in the target payment details data, and stores it in the blank field for the company's own account bank code in the target payment details data, Based on the target payment details data acquired by the acquisition unit, a display control unit displays a payment confirmation registration screen on a monitor, which includes, for each payment, a payment confirmation confirmation display table that accepts input of an instruction signal to confirm whether or not to confirm the company account, the company's bank account, the recipient bank, and the recipient bank from the company's bank account, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation confirmation display table. When the registration button is pressed, the determination unit refers to the payment bank check master and determines the combination of the company's own bank account and the recipient bank for each payment code for which the confirmation checkbox has been checked. Equipped with, The display control unit, If the determination unit determines that there is no combination of the company's bank account and the recipient bank for a payment code, a warning message regarding the payment details corresponding to the payment code for which no such combination exists will be displayed on the monitor. A bank transfer fee verification device featuring the following characteristics.

2. A bank transfer fee verification device according to claim 1, The control unit, The system further includes a registration unit that combines the company's own account bank code, entered in response to an external operation, and the recipient bank code, also entered in response to an external operation, and registers them in the payment bank check master. A bank transfer fee verification device featuring the following characteristics.

3. A bank transfer fee verification device according to claim 2, The control unit, The system further includes a generation unit that refers to the aforementioned payment bank check master and bank account master and generates a warning target list showing a list of usable accounts for payment codes for which the determination unit has determined that no combination of the company's own account bank and the recipient bank exists. The display control unit, Further display the aforementioned list of items to be warned on the monitor. A bank transfer fee verification device featuring the following characteristics.

4. A bank transfer fee verification device according to claim 3, The control unit, When the company's own bank account code is entered into the payment confirmation display table in response to an external operation, and the registration button is pressed and the registration signal is input, the update unit updates the company's own bank account code of the target payment details data corresponding to the payment confirmation display table to the company's own bank account code entered into the payment confirmation display table and confirms it. Based on the target payment details data confirmed by the update unit, an output control unit creates banking data for uploading to farm banking and outputs it externally, To further prepare, A bank transfer fee verification device featuring the following characteristics.

5. A method for verifying bank transfer fees, which is performed by a bank transfer fee verification device equipped with a control unit, The aforementioned bank transfer fee confirmation device is A payment bank check master that associates the recipient bank codes of banks authorized to make transfers with each of the company's own account bank codes, A bank account master is created that associates each account code with the company's own bank code, company's own branch code, deposit type, account number, and account holder name. For each payment code, payment details data is provided that associates at least the relevant month, the amount, payment method, the company's account code, the company's bank code, and the recipient bank code. Accessible, The control unit executes the following: The acquisition step involves obtaining the target payment details data from the aforementioned payment details data to determine the payment details corresponding to the specified month entered externally, referring to the bank account master, obtaining the company's own account bank code corresponding to the company's own account in the target payment details data, and storing it in the blank field for the company's own account bank code in the target payment details data, A display control step that, based on the target payment details data acquired in the acquisition step, displays a payment confirmation registration screen on a monitor for each payment, which includes a payment confirmation display table that accepts input of an instruction signal to confirm whether or not to confirm the company account, the company's bank account, the recipient bank, and the recipient bank from the company's bank account, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table. When the registration button is pressed, the following determination step is performed: Referencing the payment bank check master, and determining the combination of the company's own bank account and the recipient bank for each payment code for which the confirmation checkbox is checked. Includes, The aforementioned display control step is: If, as determined in the aforementioned determination step, there are payment codes for which no combination of the company's bank account and the recipient bank exists, a warning message regarding the payment details corresponding to the payment code for which no combination of the company's bank account and the recipient bank exists shall be displayed on the monitor. A method for checking bank transfer fees that features the following characteristics.

6. A bank transfer fee confirmation program to be executed by a bank transfer fee confirmation device equipped with a control unit, The aforementioned bank transfer fee confirmation device is A payment bank check master that associates the recipient bank codes of banks authorized to make transfers with each of the company's own account bank codes, A bank account master is created that associates each account code with the company's own bank code, company's own branch code, deposit type, account number, and account holder name. For each payment code, payment details data is provided that associates at least the relevant month, the amount, payment method, the company's account code, the company's bank code, and the recipient bank code. Accessible, The control unit, The acquisition step involves obtaining the target payment details data from the aforementioned payment details data to determine the payment details corresponding to the specified month entered externally, referring to the bank account master, obtaining the company's own account bank code corresponding to the company's own account in the target payment details data, and storing it in the blank field for the company's own account bank code in the target payment details data, A display control step that, based on the target payment details data acquired in the acquisition step, displays a payment confirmation registration screen on a monitor for each payment, which includes a payment confirmation display table that accepts input of an instruction signal to confirm whether or not to confirm the company account, the company's bank account, the recipient bank, and the recipient bank from the company's bank account, and a registration button that accepts input of a registration signal to register the contents of the payment confirmation display table. When the registration button is pressed, the following determination step is performed: Referencing the payment bank check master, and determining the combination of the company's own bank account and the recipient bank for each payment code for which the confirmation checkbox is checked. Make it run, The aforementioned display control step is: If, as determined in the aforementioned determination step, there are payment codes for which no combination of the company's bank account and the recipient bank exists, a warning message regarding the payment details corresponding to the payment code for which no combination of the company's bank account and the recipient bank exists shall be displayed on the monitor. To make it happen A bank transfer fee verification program featuring the following characteristics.

Images