JPH01236358A - Approving apparatus, automatic payment machine using thereof, and payment system using automatic payment machine - Google Patents

Abstract

PURPOSE:To cause a person who makes a business trip to settle his travel expense by using the title system as a travel expense settling device without using any settling form by confirming items to be approved by means of a display section and when the items are approved, storing the approved content inputted to an input section for approval. CONSTITUTION:A input section 3 for inputting items to be approved, display section 5 which displays the inputted content of the section 3, input section for approval 4 for inputting the items to be approved when the items to be approved are approved while the items are confirmed on the display section 5, and storing section 7 for describing the approved content inputted to the input section 4 are provided. Therefore, when the items to be approved confirmed on the display section 5 are inputted to the input section 4 after approval, the items to be approved are stored as approved content. Moreover, when an apparatus for approval is used, the inputted approved items are detected and necessary payment is made automatically. Therefore, settling of the travel expense of a person who makes a business trip becomes simpler and the account settlement against the advance on the travel expense can be performed quickly and accurately.

Description

DETAILED DESCRIPTION OF THE INVENTION (Field of the Invention) The present invention relates to equipment used for business trip expense settlement, etc., an automatic payment machine using the equipment, and furthermore, an automatic payment machine configured using the automatic payment machine. Regarding payment processing nostem.

(Prior art and its problems) Conventional companies usually use an advance payment system to settle business travel expenses, and business travelers receive a certain amount of advance payment before the business trip, and after the business trip, they have to submit the payment form to the manager. If the amount used is greater than the provisional payment amount, the shortfall amount will be taken, and if it is less than the amount used, the surplus amount will be repaid.

Therefore, there is a problem in that a payment form is required and it takes time and effort for business travelers to fill out the payment form.

Furthermore, on the administrator's side, there is a problem in that it takes time and effort to pay by cash and process the payment data.

(Object of the Invention) The present invention has been made in view of the above-mentioned problems.
The purpose of the present invention is to provide an authorization device that can be used as a business trip expense settlement device that can settle business trip expenses including provisional payment details.

Another object of the present invention is to provide an automatic payment machine that allows payments for business travel expenses, etc., including provisional payments, to be made easily and accurately.

A further object of the present invention is to provide a payment processing system that allows, for example, payment of business trip expenses including provisional payment details and processing of the payment data to be performed quickly and accurately.

(Structure and Effects of the Invention) In order to achieve such an object, the present invention includes: an approved item input section; a display section that displays input contents in the approved item input section; An authorization device is provided, comprising: an authorization input section for inputting information when checking and authorizing on a display section; and a storage section for storing authorization manual content in the authorization input section.

Furthermore, the present invention provides an automatic payment machine that performs a payment operation by detecting that authorization input contents are stored in the storage section of the authorization device.

Furthermore, there is provided a payment processing system comprising the above-mentioned automatic payment machine and a data processing machine that processes payment data provided from the automatic payment machine.

According to the authorization device of the present invention, when the authorized item confirmed on the display section is inputted for authorization in the authorization input section, the authorized item is stored as authorization content.

According to the automatic payment machine of the present invention, when the authorization device is used, the authorization input item is detected and automatic payment is performed.

In the payment processing system of the present invention, by using the above-mentioned authorization device, payment is made at the automatic payment machine, and the payment data is processed by the data processing machine.

Therefore, according to the approval device of the present invention, it is possible to easily and quickly approve items to be approved without using paper or the like (paperless).

Furthermore, according to the automatic payment machine of the present invention, the automatic payment machine can quickly and
Payment operations are performed accurately.

Further, according to the payment processing system of the present invention, payment operations are performed quickly and accurately in an automatic payment machine, and processing of the payment data is automatically, quickly and accurately performed in a data processing machine. It will be done.

By using the authorization device, automatic payment machine, and payment processing system of the present invention to pay business travel expenses including provisional payments, it becomes easier for business travelers to settle their business travel expenses, and to pay provisional payments and settlements. Payment data will be processed quickly and accurately.

(Description of Examples) Hereinafter, the present invention will be described in detail based on examples shown in the drawings. FIG. 1 is a front view showing the outer shape of the approval device of the present invention, and FIG. 2 is a simplified diagram of its configuration.

In these figures, the symbol l is a business travel expense settlement card (IC card) as an approval device, and on one side of the - side there is an alphabet key 2 (authorized item input section) for station name input, and in the center. A numeric keypad (authorized item input section) 3 is provided as a key to enter the amount, and various function keys (authorized item input section, authorization input section) 4 such as business trip expense item keys are provided on the other side. There is a CRT on the top of the
(Display section) 5 is provided. 6 is a connector section.

Reference numeral 7 denotes a storage section, the storage area of which is configured as shown in FIG.

In the storage unit 7, 20 is a first storage area for storing a personal identification number unique to this business trip expense payment card (owner), 21 is a second storage area for storing bank-related data, and 8 is a storage area for storing a personal identification number unique to this business trip expense payment card (owner). A third storage area stores the user's name and name code data, a fourth storage area 22 stores provisional payment data, and a fifth storage area 23 stores payment data. The fourth storage area 22 includes a provisional payment amount data area 22a, an authorization flag area 22b, and a processed flag area 22c, and the fifth storage area 23 includes a settlement amount data area 23a and an authorization flag area. 23b, and a processed flag area 23c.

As shown in FIG. 4, 9 is a sixth storage area for storing business travel expense data stored by input at the time of a business trip, IO is a seventh storage area for storing train fare calculation data, and 11 is a shortened code fare. This is an eighth storage area that stores calculation data.

The seventh storage area IO is composed of a departure station data area 10a, an arrival station data area 10b, a distance data area 10c between the departure station and the arrival station, a fare corresponding distance data area 10d, a fare data area 10e, and a preliminary data area 10f. The eighth storage area 11 is the shortened code data area 1.
1a, a business trip destination data area 11b corresponding to the shortened code data area 11a, a distance data area 11C1, a charge data area d, and a preliminary data area lie.

Each of the preliminary data areas 10f and 11e is used when adding data items.

Reference numeral 13 denotes a control unit (authorization/permission unit) composed of a CPU, which responds to input commands from keys 2, 3, and 4, as well as commands from an external device when connected to the external device, to settle business trip expenses. It is configured to control the operation of the card l so that it performs a predetermined function.

FIG. 5 shows the overall configuration of a business trip expense payment processing system in which the business trip expense settlement card 1 is used, in which 30 is a computer (data processing machine) installed in the company, a keyboard 31. A printer 32 and an automatic payment machine 33 to which the business trip expense settlement card 1 is attached and used are connected. Further, the computer 30 is connected to a central computer 40 (management machine) of the bank, and an automatic payment machine 41 of the bank is connected to this central computer 40. The business trip expense settlement card 1 allows payments to be made at both automatic payment machines 33 and 41.

The configuration of the automatic payment machine 41 will be explained with reference to FIGS. 6 and 7.

In FIG. 6, reference numeral 50 denotes a control section constituted by a CPU, and 51 a storage section constituted by a ROMSRAM. 5
4. A card processing section 55 including a league of business trip expense settlement cards 1, a passbook printer 56, a banknote processing section 57, a coin processing section 58, a slip processing section 59, and a communication processing section that sends and receives signals to and from the central computer 40. 60 are connected to form the automatic payment machine 41.

In FIG. 7, reference numeral 61 indicates a guidance composed of the CRT 53 and the touch panel 54, 62 is a bankbook insertion slot, 63 is a card insertion slot, 64 is a bill receptacle, and 65 is a coin receptacle.

The automatic payment machine 41 installed on the bank side is configured to handle all payment operations related to banking operations, but the automatic payment machine 33 installed on the company side mainly operates on business trip expense settlement cards l. A communication processing unit corresponding to the communication processing unit 60 is configured to send and receive signals to and from the in-house computer 30.

Next, the provisional payment processing operation in the business trip expense settlement card 1 shown in the above embodiment will be explained based on the flowchart of FIG. 8.

The business traveler processes the advance payment before going on a business trip.He presses the input selection function key 4 and the advance payment function key 4 in sequence (Step 1) (Step 2), and then inputs the desired advance payment amount using the numeric keypad 3. (Step 3
). As a result, the provisional payment amount will be displayed on the CRT5 (
Step 4) The business traveler confirms the preliminary payment amount and confirms the EN.
When the T funk scissor key is pressed (step 5),
The provisional payment amount is stored in the storage unit 7 (step 6).

In this way, the business trip expense settlement card l in which the provisional payment amount is stored is one in which the stored content (provisional payment amount) is approved by the manager of the business traveler. The explanation will be based on.

Step 1) of sequentially pressing the input selection function key 4 and the authorization function key 4 (step 2), and then inputting the password using the numeric keypad 3 (step 3). This password corresponds to the password stored in the first storage area 20 of the storage section 7 of the business trip expense settlement card 1,
Only the manager of the department knows the password for a business traveler.

Then, it is determined whether the manually entered PIN number and the stored PIN number match (Step 4). If they do not match, an error message is displayed on the CRT 5 (Step 5); if they match, an error message is displayed. If not, the temporary payment function key 4 is input (step 6). The temporary payment amount entered by the business traveler is displayed on the CRT 5 by inputting the temporary payment function key 4 (step 7), and when the business traveler confirms the amount and inputs the ENT function key 4 (step 8), the temporary payment approval flag is set. As a result, the authorization input contents are stored (step 9).
.

By setting the provisional payment approval flag in this manner, the business trip travel expense settlement card 1 enters the provisional payment authorization state, and it becomes possible to receive provisional payment. Business travelers are
Using this business trip expense settlement card l for which provisional payment has been approved, a provisional payment is received at the above-mentioned bank or in-house automatic payment machine 33, 41 before the business trip.

The provisional payment operation in the automatic payment machine 41 on the bank side will be explained based on the flowchart of FIG. 10.

First, the transaction selection details are displayed on the CRT5 (Step 1
), when the temporary payment key is pressed (step 2), a card insertion display is displayed on the CRT 5 (step 3). When the business trip expense settlement card l is inserted (step 4), the stored contents are read (step 5), and if it is determined that the card cannot be read (step 6), an error is displayed on the CRT 5 (step 7). ). If it is readable,
The CRT 5 prompts you to enter your PIN number (step 8).
), when the card PIN number known to the business traveler (the PIN number stored in the second storage area 21) is input (step 9), a match is determined between the PIN numbers (step 10).
), if they match, it is determined whether the advance payment authorization flag is set (step 11), and if the above authorization process is accepted, if the advance payment authorization flag is set, it is determined whether the advance payment processing completed flag is set. It is determined whether or not (step 12).

If the PIN numbers do not match in step IO above,
Step 11. If the flag is not set in step 12, an error display is performed on the CRT 5 (step 13) (step 14) (step 1
5). Since the provisional payment processing completed flag is not set when the provisional payment has not been received, the provisional payment amount is read out (step 16), and after a standby display is performed on the CRT 5 (step 17), the provisional payment is processed. Send the processing content signal to the central computer 40 (step 18)
.

When the temporary payment permission signal is received from the central computer 40 (step 19), the temporary payment is released.Step 20), the temporary payment processing completed flag of the business trip expense settlement card l is set.Step 2I), the business trip expenses settlement card 1 (step 22), the business trip expense settlement card 1 is extracted and displayed on the CRT 5 (step 23), and when the business trip expense settlement card 1 is extracted (step 24), the cash is extracted and displayed (step 25), Once the cash has been withdrawn (step 26), the operation ends. If the provisional payment permission signal is not received within a predetermined time in step 19, an error is displayed on the CRT 5 (step 27).

FIG. 11 shows the automatic payment machine 41 of the central computer 40.
This is a flowchart showing the operation in response to the provisional payment processing content signal given in step 18 above.When receiving the provisional payment processing content signal (step 1), first, the company account amount, etc. is determined in accordance with the provisional payment processing content. It is determined whether payment is possible (step 2), and if it is determined that payment is possible, a provisional payment permission signal is sent back to the automatic payment machine 41 (step 3), and a data signal of provisional payment processing details is sent to the company computer 30. (Step 4).

FIG. 12 is a flowchart showing the operation of the in-house computer 30 in response to the data signal given from the central computer 40 in step 4. When the in-house computer 30 receives the provisional payment processing data (step Edit and file by individual and department (Step 2).

Next, the operation of storing business trip expense data during a business trip using the business trip expense settlement card 1 will be explained based on the flowchart of FIG. 13.

When an input is made using the input selection function key 4 at a business trip destination (Step I), the cRT 5 displays a message saying "Keep the data" (Step 2).
), when the business traveler next inputs the date function key 4 (step 3), the CRT 5 displays the message "Hizuke New Ryoku" (step 4), and when the business traveler inputs the date using the numeric keypad 3 (step 5). ), the date is displayed on the CRT 5 and is stored as business trip expense data (step 6). By looking at the above display,
Business travelers confirm the input contents.

Next, the corresponding business trip expense item function key 4 is appropriately selected and input.

For example, if you frequently travel to that destination,
Step 7 when short function key 4 is input
), the CRT 5 displays and guides you with [Code Bangalore] (Step 8).

Next, when the pre-known code number corresponding to the business trip destination is input using the numeric keypad 3 (step 9), the business trip destination data, distance data, and fee data corresponding to that code number are read out and used as business trip expense data. Store (step 10). It is not necessary to perform the above-mentioned four-person shortcut function key operation at the business trip destination, but it can be performed before submitting the business trip expense settlement card l after the business trip to settle the business trip expenses.

If train function key 4 is input, step 11), "R Exhaust Station" will be displayed on CRT 5. Step 12), input the departure station and arrival station with alphabet key 2 (step 13), the departure station and arrival station will be displayed. Display the station on the CRT 5 (Step 14), select the corresponding fare data from the distance data corresponding to the departure station data and arrival station data (Step 15), and combine the fare data, departure station data, and arrival station data with business trip expense data. (step 16).

If the bus function key 4 is input (step 17), the CRT5
When the business traveler enters the fee using the numeric keypad 3 (step 19), the fee is displayed on the CRT 5.
(
Step 20).

Taxi - Operation when function key 4 is input (Step 21) (Step 22) (Step 23) (
Step 24), Operation when hotel function key 4 is input (Step 25) (Step 26) (Step 27) (Step 28), Other transfer keys 4
Operation when is input (Step 29) (Step 3
0) (step 31) and (step 32) are performed in the same way as when the bus function key 4 is input.

At the end of the business trip, when the total function key 4 is input (step 33), the charges corresponding to each item stored in the business trip expense data are totaled (step 34), and the total amount used is displayed on the CRT 5. At the same time, it is stored as business trip expense data (step 35).
). If the business trip continues and the total function key 4 is not input, the process returns from step 33 to step l.

Then, after the business trip, the business trip traveler submits the business trip expense settlement card l in which the business trip expense data is stored as described above to the manager, and the settlement approval process is performed by the department manager.

The payment authorization processing operation will be explained based on the flowchart of FIG. 14.

The user presses the input selection function key 4 and the authorization function key 4 in sequence (step 1) (step 2), and then inputs the password corresponding to the business traveler using the numeric keypad 3 (step 3).

Then, a judgment is made whether the PIN numbers match (
Step 4) If they do not match, an error is displayed on the CRT 5 (Step 5), and if they match and no error is displayed, an input is made using the payment function key 4 (Step 6). The business travel expense data including the total amount of money input by the business traveler by inputting the payment function key 4 is displayed in C.
is displayed on the RT5 (step 7), confirm its contents and enter the ENT function key 4 (step 8).
), the authorization input content is stored by setting the settlement authorization flag (step 9).

When the settlement approval flag is set in this manner, the business trip expense settlement card l enters the settlement approval state.

Business travelers use the approved business travel expense payment card to pay at the bank or in-house automatic payment machine 41.3.
3. Receive payment of settlement fee.

The settlement payment processing operation in the automatic payment machine 41 on the bank side will be explained based on the flowchart of FIG. 15.

First, the transaction selection details are displayed on the CRT5 (Step 1
), press payment function key 4 (step 2)
, a card insertion display is displayed on the CRT5 (step 3)
. When Business Trip Expense Settlement Card 1 is inserted (Step 4)
, the memory contents are read (step 5), and if it is determined that reading is not possible (step 6), the CRT
5, an error is displayed (step 7). If reading is possible, a display for entering the PIN number is displayed on the CRT 5 (Step 8), and when the card PIN number is input (Step 9), a match is determined (Step IO), and a match is made. Then, a standby display is displayed on the CRT 5 (Step II), and then it is determined whether the settlement approval flag is set (Step 12). It is determined whether the completed flag is set (step 13).

If the PIN number does not match in step 10 above,
If the flag is not set in step 12 or step I3, an error display is performed on the CRT 5 (step 14) (step 15) (step 16). In the state where payment has not been received, the payment completed flag is not set, so the business trip expense data including the provisional payment amount and the total amount used is read (
Step 17), and transmits the read payment processing content signal to the central computer 40 (Step 18).

When a settlement permission signal is received from the central computer 40 (step 19), a comparison is made between the provisional payment amount and the total usage amount (step 20), and if the provisional payment amount is less than the total usage amount, the difference is To release the corresponding cash, step 21), to set the payment completed flag on the business trip expense payment card l, step 22), and to send a signal for setting the completed flag to the central computer 40 (step 23). This set processing signal is further sent from the central computer 40 to the in-house computer 30, where it is processed as a file as data.

Then, the business trip expense data stored in the storage unit 7 is cleared and all flags are reset (step 24). After that, the business trip expense settlement card 1 is released (step 25), and the business trip expense settlement card 1 is extracted and displayed on the CRT 5.Step 26), and when the business trip expense settlement card 1 is extracted (step 27), the business trip expense settlement card 1 is extracted and displayed. (Step 28), when the cash is withdrawn (step 2), the operation ends.

If it is determined in step 20 that the provisional payment amount is not less than the total usage amount, it is further determined whether it is greater (step 30), and if it is greater, the difference is displayed on the CRT 5 (step 31). , When cash is deposited (step 32), the steps 33, 34, 35, 36, 37 are performed.
, step 38, and the operation ends. If the payment amount and the usage amount are the same, the process moves from step 30 to step 33.

In this way, in the automatic payment machine 41, if the provisional payment amount is less than the total usage amount actually required, an additional payment is made for the difference, and if it is more, the business traveler refunds the difference. There is.

In the settlement payment operation of the automatic payment machine 41, the response operations of the bank's central computer 40 and in-house computer 30 in response to the settlement processing content signal transmitted in step 18 are performed in the same manner as in the case of provisional payment. .

FIG. 16 and FIG. 17 are flowcharts showing the payment operation at the in-house automatic payment machine 33.

The payment operation in the automatic payment machine 33 is almost the same as the operation of the automatic payment machine 41 of the bank described above, but the processing content signal in step 17 at the time of provisional payment and settlement is transmitted directly to the in-house computer 30. In this case, the in-house computer 30 only processes the data file and does not make any payment decisions. Therefore, since the in-house computer 30 does not transmit the permission signal to the automatic payment machine 33, the reception judgment operation in step 19 of the automatic payment machine 4I is not performed. Further, the transmission in steps 21 and 32 at the time of settlement payment is performed to the in-house computer 30.

[Brief explanation of the drawing]

1 to 17 relate to embodiments of the present invention, in which FIG. 1 is a plan view of a business trip expense settlement card, FIG. 2 is a simplified configuration diagram thereof, and FIG. 3 is an overall configuration diagram of the storage unit, and FIG. Figure 4 is a partial configuration diagram of the storage unit, Figure 5 is a configuration diagram of the business trip expense payment system,
Figure 6 is a configuration diagram of the automatic payment machine, Figure 7 is a perspective view of the automatic payment machine, Figure 8 is a flowchart showing the temporary payment processing operation of the business trip expense settlement card, and Figure 9 is the temporary payment of the business trip expense settlement card. Flowchart showing the authorization processing operation, Figure 10 is a flowchart showing the automatic payment machine's temporary payment operation, Figure 11 is a flowchart showing the central computer's temporary payment support operation, and Figure 12 is the in-house computer's temporary payment support. Flowchart showing the operation, Figure 13 is a flowchart showing the operation when using the business trip expense settlement card, Figure 14 is a flowchart showing the settlement authorization processing operation of the business trip expense settlement card, and Figure 15 is the bank automatic payment machine settlement. FIG. 16 is a flowchart showing the temporary payment operation of the in-house automatic teller machine, and FIG. 17 is a flowchart showing the settlement money payment operation of the in-house automated teller machine. 1... Business trip expense settlement card (equipment for approval), 3... Numeric keypad (authorized item input section, PIN number input section), 4... Function keys (authorized item input section, authorization input section), 5 ...CRT (display section), 7. Storage section, 13... Control section (authorization section), 30... Computer (data processing [), 40...
Central computer (management machine), 33.41...Automated payment machine. Figure 3 Near 4 Figure i6 Figure 47 Bunmi 8 Figure 9 Figure 11 Figure 12

Claims (10)

[Claims] (1) an approved item input section; a display section that displays the input content in the approved item input section; an authorization input section that is input when confirming and authorizing the approved item on the display section; An authorization device comprising: a storage section that stores authorization input contents in the authorization input section; (2) A PIN storage section in which a PIN is stored, a corresponding PIN input section into which a corresponding PIN corresponding to the PIN is input, and the PIN and the corresponding PIN to be input match. 2. The authorization device according to claim 1, further comprising: an authorization section that permits storage of authorization input contents when the authorization input is performed. (3) The authorization device according to claim (1) or (2), wherein the authorized item is the payment amount. (4) The authorization device according to claim (3), wherein the payment amount is for provisional payment or settlement. (5) The approval device according to claim (4), which is used to calculate business travel expenses. (6) The authorization device according to claim (3), which is card-shaped. (7) An automatic payment machine that detects that authorization input contents are stored in the storage section of the authorization device according to claim (3) and performs a payment operation. (8) An automatic payment machine that detects that authorization input contents are stored in the storage section of the authorization device according to claim (4) and performs a payment operation. (9) A payment processing system comprising the automatic payment machine according to claim (7) and a data processing machine that processes payment data provided from the automatic payment machine. (10) Payment processing comprising the automatic payment machine according to claim (7), a management machine of the automatic payment machine, and a data processing machine that processes payment data given from the automatic payment machine via the management machine. system.