JP4914669B2 - Monetary trust type fund procurement system and method - Google Patents

Description

  The present invention relates to a movable property trust type fund procurement system and method, and more particularly, a movable property trust type fund that establishes a trust for a product traded in a product purchase transaction and raises the funds by transferring the trust beneficiary rights. Procurement system and method.

  Currently, there is a VMI (Vendor Managed Inventory) transaction system as a transaction system for reliably procuring necessary items when necessary, while keeping the amount of inventory low in the purchase of goods such as materials and parts. In this VMI transaction, a procurement company that procures goods opens its warehouse to a supplier company that is a supplier, and the delivery company carries goods into the warehouse of the procurement company. Procurement companies can purchase as much as they need without procuring extra inventory by procuring as much as they need from there. In other words, for the procurement company, not everything in the warehouse is in stock, but only the amount purchased after the procurement is decided is in stock, so the stock burden is reduced.

  In addition, the procurement company has an inventory information management system that can know in real time what is in which warehouse, and the quantity of products brought into the warehouse by tracking the location and number of products. Is optimized.

  However, since the delivery company incurs the stock burden until the procurement company actually procures the goods after the warehouse is brought in, the delivery company is responsible for its own creditworthiness or asset collateral of real estate, etc. It is necessary to procure the necessary working capital by receiving a loan from a financial institution, etc., with collateral for credit claims.

  Therefore, in order to improve the fund procurement efficiency of the delivery company, Patent Document 1 calculates the loan upper limit based on the warehousing data when the delivery company has received the goods in the warehouse, and the finance is based on the loan upper limit data. There is disclosed a system that calculates a balance amount from a loan balance received from an institution and a funding amount that can be received by a delivery company based on product procurement of the procurement company.

JP 2005-55935 A

  However, when a supplier raises funds, it takes time and effort to receive a loan from a financial institution with its own creditworthiness, asset collateral of real estate, etc. or receivable collateral. Loans are procured when commodities are sold, and there is a problem that it is difficult to procure early. Furthermore, although Patent Document 1 shows the calculation of the loan amount related to VMI transactions, if there is a shortage in the amount of accounts receivable used for loan repayment, the paying company will further pay the shortage amount, or factoring or selling There is a problem that there is a trouble of applying for loan collateral financing. Furthermore, since the procurement company receives a large number of requests from each delivery company, there is a problem that the payment work becomes complicated.

  The present invention has been made in view of such problems, and its purpose is to procure a larger amount of funds at an earlier stage and at a time than a loan method secured by accounts receivable generated at the time of sale of goods. A trust that can be used as a property and a trust beneficiary right is used to set up a trust in the product, which can finely adjust the funding cost in units of transaction establishment according to the payment timing of the product price payment by the procurement company It is to provide a procurement system and method. Furthermore, the billing of each supplier company is put together and billed to the procurement company to make the payment business of the procurement company more efficient.

In order to achieve such an object, the invention described in claim 1 is a personal property trust type fund procurement system having storage means for raising funds in a commodity purchase transaction using an inventory information management system. Inventory management information is periodically acquired from the management system, and when it is confirmed from the inventory management information of the product that the product before sale has been received is stored in a predetermined warehouse, the storage means is stored in units of warehousing numbers assigned in the warehouse. An inventory management master that creates an inventory management master, acquires inventory management information of the product from the inventory information management system according to the movement of the product, and periodically updates the inventory management master; A trust beneficiary right management means for creating a trust beneficiary right management table for setting a trust for a product in the storage number unit in the storage means based on the trust setting information, and a storage means When a trust beneficiary right management table that is flagged for transfer is detected, a beneficiary right transfer table is created in the storage means in association with the trust beneficiary right management table, and the trust beneficiary right transfer price paid to the delivery company is calculated and the trust is calculated. When the beneficiary rights transfer management means for recording the beneficiary rights transfer price in the beneficiary rights transfer table and the shipping information for notifying that the goods have been shipped from the predetermined warehouse to the predetermined factory are acquired from the inventory information management system, the storage means Trading management means to create a trading management table that records shipping information, and when the purchase price of a product is confirmed to be entered into a predetermined account from a procurement company based on the trading management table, a redemption data management table is created in the storage means And calculate the difference between the discount fee initially set for the transfer of trust beneficiary rights and the discount fee up to the date of receipt of the purchase price. Characterized in that a redemption data management means for recording the adjustment money is difference amount redemption data management table.

  The invention described in claim 2 is the movable property trust type fund procurement system according to claim 1, wherein the redemption data management means calculates a discount fee at each redemption date when the trust beneficiary right is divided and redeemed. The amount of the adjustment money is recorded in the redemption data management table.

The invention described in claim 3 is the movable trust type fund procurement system according to claim 1 or 2 , wherein the trust beneficiary right management means transmits the transferable trust beneficiary right data to the supplier company, and the transferable trust beneficiary right Based on the data, the trust beneficiary right data transmitted from the supplier is received, and a transfer execution flag is set in the trust beneficiary right management table based on the trust beneficiary right data.

The invention described in claim 4 is the movable property trust type fund procurement system according to any one of claims 1 to 3 , wherein the trade management means transmits a sales invoice based on the trade management table to each procurement company. It is characterized by that.

The invention according to claim 5 is the personal property trust type fund procurement system according to any one of claims 1 to 4 , wherein the merchandise purchase transaction is a VMI transaction.

The invention according to claim 6 is a method executed by a personal property trust type fund raising system having a storage means for raising funds in a product purchase transaction using the inventory information management system, and the inventory management information is transferred from the inventory information management system. Is acquired periodically, and it is confirmed from the inventory management information of the product that the product before the sale has been received has arrived in the specified warehouse, and an inventory management master is created in the storage means for each warehousing number assigned at the warehouse. The inventory management step of acquiring the inventory management information of the product from the inventory information management system according to the movement of the product and periodically updating the inventory management master, and the inventory management master and the predetermined trust setting information A trust beneficiary right management step for creating a trust beneficiary right management table for setting a trust for a product in units of warehousing numbers in the storage means, and transfer execution from the storage means When a trust beneficiary right management table with a lag is detected, a beneficiary right transfer table is created in the storage means in association with the trust beneficiary right management table, and the trust beneficiary right transfer price paid to the supplier is calculated and transferred to the trust beneficiary right The beneficiary rights transfer management step for recording the price in the beneficiary rights transfer table, and the purchase and sale for recording the shipping information when the shipping information for notifying that the product has been shipped from the predetermined warehouse to the predetermined factory is acquired from the inventory information management system. When a purchase management step for creating a management table in the storage means and confirming that the purchase price of the product from the procurement company has been deposited into a predetermined account based on the sale management table, a redemption data management table is created in the storage means and the trust Calculate the difference between the discount rate initially set for the transfer of the beneficial interest and the discount fee up to the date of receipt of the purchase price. And having a redemption data management step of recording the adjustment money is forehead redemption data management table, the.

The invention according to claim 7 is the method according to claim 6 , wherein the redemption data management step calculates the discount amount at each redemption date and calculates the amount of the adjustment when the trust beneficiary right is redeemed in installments. It is recorded in the redemption data management table.

The invention according to claim 8 is the method according to claim 6 or 7 , wherein the merchandise purchase transaction is a VMI transaction.

  According to the present invention, by using a trust beneficiary right for a product brought into a predetermined warehouse before the sale is established and using the trust beneficiary right, a loan method using as a collateral the accounts receivable generated when the sale of the product is established Will be able to raise funds early. In addition, since the unit of the commodity subject to the trust beneficiary right is larger than the unit in which the sale is established, it is possible to increase the procurement amount that can be procured at one time as compared with the method of securing the accounts receivable. In addition, it becomes possible to finely adjust the funding cost in units of sales formation according to the payment time of the commodity price payment by the procurement company. Furthermore, it becomes possible to collect the bills of the delivery company and charge it to the procurement company, and the payment business of the procurement company can be made more efficient.

  FIG. 1 shows an outline of fund procurement in a VMI transaction according to an embodiment of the present invention. In the present embodiment, it is assumed that a contract relating to a transaction for performing a VMI transaction is made between a delivery company 101 that supplies a product and a procurement company 102 that is an orderer of the product. It is assumed that a contract relating to a personal property trust is signed between three parties including a company 102 and a financial institution 106.

  When a reservation order for goods is entered from the procurement company 102 to the delivery company 101 (1), the delivery company 101 carries the goods into the first VMI warehouse 103 (2). When it is confirmed that the goods have been received in the first VMI warehouse 103, the procurement company 102 creates warehousing result data via the first VMI warehouse 103, and transmits the warehousing result data to the financial institution 106. However, this warehousing result data may be created by the delivery company 101 and transmitted to the financial institution 106. In this specification, the VMI warehouse refers to a warehouse in which inventory information is managed by an inventory information management system.

  The financial institution 106 sets the trust for the product based on the received warehousing result data (3-1, 3-2), receives the data relating to the location of the product from the procurement company 102, and the location and state of the trust property. Record history. In this embodiment, since the procurement company 102 applies for the establishment of a trust on behalf of the delivery company 101 as a consignor and initial beneficiary, the ownership of the product is transferred from the delivery company 101 to the financial institution 106 along with the trust establishment. At the same time, the delivery company 101 acquires the trust beneficiary right.

  Thereafter, the financial institution 106 transmits the trust beneficiary right data that can be transferred to the delivery company 101. For the beneficiary trust beneficiary right data that can be transferred, the delivery company 101 creates transfer beneficiary trust beneficiary right data and sends the desired beneficiary right data to the financial institution 106 (5-1). ). The financial institution 106 performs transfer processing of the trust beneficiary right to the investor based on the trust beneficiary right data desired to be transferred, creates the documents and transfer data necessary for the trust beneficiary right transfer procedure, and transfers the beneficiary right paid by the investor. The money is transferred as a beneficiary right transfer price to the designated account of the delivery company 101 as a substitute (5-2). At this time, the beneficiary rights transfer price paid by the investor 107 is paid to the delivery company 101 by subtracting the initial discount fee calculated from the longest payment date from the trust principal amount. When the trust beneficiary right is redeemed before the longest payment date, the difference between the discount fee calculated on the redemption date and the initial discount fee is refunded to the delivery company 101 as an adjustment when the trust is settled.

  In the embodiment according to the present invention, the beneficiary rights are transferred with the redemption date indefinite by setting a discount fee based on the longest payment date set longer, so that it is possible to raise funds with the product before the sale is completed. It has become.

  The investor may be a special purpose company (SPC) or the procurement company itself, but in this embodiment, the SPC is an investor.

  When an official order for a product is issued from the overseas factory 105 to the procurement company 102 (6-1), the product is shipped to the overseas factory 105 via the second VMI warehouse 104 (6-2), and trading of the shipped product is performed. To establish.

  The financial institution 106 transmits to the procurement company 102 a sales invoice for the product whose sale is confirmed, and receives payment for the purchase price of the product from the procurement company 102. The financial institution 106 remits this product purchase price to the SPC 107 as a redemption for the trust beneficiary right and transmits redemption data (8-1). If the trust beneficiary right has not been transferred to the investor, the redemption money will be sent to the supplier (8-2). If the redemption amount is paid to the SPC 107 before the longest payment date, an adjustment amount that is the difference between the discount fee calculated on the redemption date and the initial discount fee will be generated, so the adjustment amount based on the redemption data will be delivered via the financial institution 106 Remit money to the company 101 (9).

  FIG. 2 shows the configuration of a movable property financing system according to an embodiment of the present invention. A client (PC, etc.) of a delivery company 101, an inventory information browsing system 109 that interfaces with an external system connected to an inventory information management system 110 that manages inventory information in a VMI transaction, and a reception system 111 of a financial institution 106 are connected to the Internet. Data can be viewed and transmitted / received via each other. The reception system 111 is a device that interfaces the internal system of the financial institution 106 with external systems such as the delivery company 101 and the procurement company 102. The delivery company 101 can browse various data related to the trust managed by the VMI support system 112 via the reception system 111 on a web basis.

  The reception system 111 is connected to a VMI support system 112 that sets trust for a product and manages the set trust. The VMI support system 112 is connected to an EB (Electronic Bank) system 113 and a trust accounting system 114 that provide transfer request data approval and account deposit / withdrawal information.

  FIG. 3 shows a configuration of a VMI support system according to an embodiment of the present invention. The VMI support system 112 includes a communication unit (not shown), a control unit (not shown) that controls the entire system, an inventory management unit 201 that manages the location information of a product for which trust is set, and information on the beneficial interests of the set trust Trust beneficiary rights management unit 202 that manages the beneficiary rights transfer beneficiary rights, the beneficiary right transfer management unit 203 that manages the transferee, etc. It consists of a redemption data management unit 205 that manages information related to redemption of trust beneficiary rights accompanying the sale, and a trust management database 206. The trust management database 206 includes an inventory management master 207 that records data processed by the inventory management unit 201, a trust beneficiary right management table 208 that records data processed by the trust beneficiary right management unit 202, and a beneficiary right transfer management unit. Beneficial right transfer table 209 that records the data processed in 203, trading management table 210 that records data processed in the trading management unit 204, and redemption data management table 211 that records data processed in the redemption data management unit 205 Have

  FIG. 4 shows items included in the inventory management master 207 according to the present embodiment. The data recorded in the inventory management master is the receipt number, vendor code, product code, order number, product quantity, product unit price, inventory take-in date, first VMI warehouse delivery date, the longest dated when the first VMI warehouse was received. Payment date, currency code, applicable exchange rate, 1st VMI warehouse code, 2nd VMI warehouse code, factory code, delivery date, transferable date, data acquisition date, trading (Pull) remaining quantity, location, etc.

  FIG. 5 shows items included in the trust beneficiary right management table 208 according to the present embodiment. The data recorded in the trust beneficiary rights management table 208 includes the fund number, the warehousing number assigned at the time of warehousing the first VMI warehouse, the trust start date, the trust end date, the discount rate, the consumption tax, the trust contract amount, the trust amount (priority) Portion), trust amount (subordinated portion), balance of accounts receivable, current balance of accounts receivable minus accumulated redemption amount, balance at the end of previous month, transfer category, transferable category, partial redemption category, redemption category, accumulated adjustment amount, settlement of accounts Date, trust cancellation date, etc.

  FIG. 6 shows items included in the beneficial interest transfer table 209 according to the present embodiment. Data recorded in the beneficiary right transfer table 209 includes a fund number, a beneficiary right transfer date, a transfer destination code, a longest redemption date, a transfer balance, a sale amount, an initial discount fee, a remittance fee, and the like.

  FIG. 7 shows items included in the trade management table 210 according to the present embodiment. The data recorded in the trading management table 210 includes the warehousing number, the trading (Pull) number, the trading (Pull) branch number, the sale date (Pull date), the sale price (Pull amount), The data includes a payment due date, a pull data acquisition date, and a status of the trade management table 210 as one of new, changed, deleted, and confirmed.

  FIG. 8 shows items included in the redemption data management table 211 according to the present embodiment. Data recorded in the redemption data management table 211 includes a fund number, redemption date, priority subordination classification, redemption amount, adjustment amount, and the like.

  The EB system 113 is linked to a billing system and remittance system (not shown) based on the approval of remittance of the beneficiary rights transfer received from the SPC 107 to the delivery company 101 and various details created in the VMI support system 112. Remit the beneficiary rights transfer price, redemption money, adjustment money, etc. to the company 101 and SPC 107.

  The trust accounting system 114 can manage trust accounting linked data and the like based on the details regarding the trust created in the VMI support system.

  FIG. 9 shows an example of the movement of goods and the movement of funds in the movable property trust type fund procurement system according to the present embodiment. The system according to the present embodiment will be described with reference to FIG.

FIG. 10 shows processing steps of the movable property trust type fund procurement system according to the present embodiment.
(Stage A)
The delivery company 101 receives an order from the overseas factory 105 via the inventory information browsing system 109 of the procurement company 102, and carries the product to the first VMI warehouse 103 based on the order (S301).

(Stage B)
The goods carried out from the delivery company 101 are not necessarily received in the first VMI warehouse in order units, but may be received separately. When warehousing in a divided manner, the warehousing numbers assigned at the time of warehousing are different numbers. That is, in the case of FIG. 9, since the goods are divided into 10 pieces on June 10 and 6 pieces on June 20, they are given different warehousing numbers A and B, respectively.

  The procurement company 102 creates warehousing result data for each warehousing number and transmits the warehousing result data to the VMI support system 112 via the reception system 111 of the financial institution 106. Alternatively, the delivery company 101 may create warehousing result data and transmit it to the financial institution 106, or inventory management information acquired from the inventory information management system 110 may be used as warehousing result data. When the reception system 111 receives the warehousing result data (S302), the VMI support system 112 sets funds A and B for the warehousing numbers A and B, respectively, and performs trust setting for each warehousing number. That is, when the VMI support system 112 receives the warehousing result data, the trust setting based on the contract concerning the property trust that has been exchanged in advance with the inventory management master 201 that tracks the movement of the goods for each warehousing number and manages the information on the location is performed. A trust beneficiary right management table 202 is created for managing trust status information according to the location of the goods and the trust setting information (S303).

  When receiving the warehousing result data, the inventory management unit 201 stores the warehousing number, which is the inventory management information acquired from the inventory information management system 110, the supplier code for specifying the delivery company 101, the product code, the order number, in the inventory management master 207. , Product quantity, product unit price, inventory acquisition date, date of receipt of receipt data, 1st VMI warehouse delivery date, longest payment date, currency code, applicable exchange rate, 1st VMI warehouse code, 2nd VMI warehouse code, factory code, Record the remaining Pull amount and location value. The pull remaining quantity is the quantity obtained by subtracting the quantity bought and sold from the inventory quantity, and is initially set to the same quantity as the inventory quantity. The values to be recorded as the location are mainly the first VMI warehouse, during transportation, the second VMI warehouse, and overseas factories. The inventory management unit 201 periodically acquires inventory management information related to the location of products from the inventory information browsing system 109 and updates each value.

  Similarly, when receiving the warehousing performance data, the trust beneficiary rights management unit 202 adds the fund number, warehousing number, trust start date, trust end date, discount rate, consumption tax rate, trust contract amount, trust trust table to the trust beneficiary rights management table. Record the amount (priority portion), trust amount (subordinated portion), and current balance value. The trust can be canceled until the trust beneficiary rights are transferred, and the trust beneficiary rights management department can cancel the trust by entering the date of canceling the trust setting.

  When the inventory management master 207 and the trust beneficiary right management table 208 are created in this way, the VMI support system 112 creates a “trust agreement content notice and beneficiary right statement” regarding the newly created details, Along with all the trust setting data of all transactions for which the trust has not ended, it is transmitted to the procurement company 102 (S304).

  The VMI support system 112 aggregates the detailed data of the trust beneficiary rights management table 208 with the trust start date as the trust start date at the time of daily tightening and transmits it to the trust accounting system 114, and a database (not shown) in the trust accounting system 114 The trust accounting link data corresponding to the detailed data of the trust beneficiary right management table 208 is created (S305).

  By setting trust in the product in this way, ownership of the product received in the first VMI warehouse 103 is transferred to the financial institution 106, and the delivery company 101 obtains a trust beneficiary right in which the product in stock is the trust property. Can do.

(Stage C)
When the goods received in the first VMI warehouse 103 are subsequently delivered to the second VMI warehouse 104 (S306), the trust beneficiary rights management unit 202 tracks the status of the start of the partial delivery of goods and the completion of the goods delivery, and the trust beneficiary rights. The value of the transfer category in the management table 208 is updated each time (S307). The trust beneficiary right management unit 202 can transfer the transferable category of the beneficiary right management table 208 in which the value of the transfer category has been determined and the transfer category value has been completed. The determined date is the transferable date.

  When goods having the same warehousing number are divided into several parts and issued, for example, as shown in FIG. 9, 10 goods with warehousing number A are 4 on June 12 and on June 27. In the case of shipping in two parts such as six, the inventory management unit 201 sets June 27, which is the subsequent shipping date, as the final shipping date, and sets the shipping date, the transferable date, and the data acquisition date to the inventory management master 207. (S308).

  Based on the beneficiary right management table 208, the VMI support system 112 creates “transferable trust beneficiary right details” and “trust beneficiary right transfer consent form” in a predetermined format and transmits them to the delivery company 101. In addition, the VMI support system 112 creates “Sellable Trust Beneficial Interest Details” and “Trust Beneficial Rights Assignment Consent” corresponding to the above “Transferable Trust Beneficial Interest Details” from the beneficial interest management table 208 to the SPC 107. The information is transmitted by the reception system 111, and the subsequent transfer of trust beneficiary rights is swiftly performed (S309).

  Upon receiving the “transferable trust beneficiary rights details” and “trust beneficiary rights transfer consent form”, the delivery company 101 selects the funds that it wishes to transfer, and enters that fact into the “trust beneficiary rights transfer consent form” to transfer. The desired trust beneficiary right data is transmitted to the VMI support system 112 (S310). Based on the received “trust beneficiary rights transfer consent form”, the trust beneficiary right management unit 202 updates the value of the transferable category to transfer execution and executes transfer to the SPC 107 (S311).

  A beneficiary right transfer table 209 is created based on the details of the trust beneficiary right management table 208 whose transferable category value is assigned (S312). The longest redemption date is a predetermined date such as the same as the longest payment date of the inventory management master. In the present embodiment, the beneficial interest transfer table is calculated as an amount obtained by subtracting the initial discount fee up to the longest payment date from the transferred balance, which is the trust principal balance transferred by the beneficial interest transfer management unit 203, as the amount of beneficial interest sold. (S313).

  The beneficiary right transfer management unit 203 calculates the sale amount recorded in the beneficiary right transfer table 209 of beneficiary rights purchased by the SPC 107, that is, the beneficiary right transfer price for this month (the amount by which the SPC 107 purchases the beneficiary rights), and the beneficiary A “beneficial rights transfer contract establishment guide and sales statement” requesting transfer of the right transfer price is created and transmitted to the SPC 107 (S314).

  Further, the beneficiary right transfer management unit 203 calculates the total sale price of the beneficiary right transfer management table 209, that is, the beneficiary right transfer price paid to the delivery company 101 in the current month, and the SPC transfers the beneficiary right transfer price. Transfer request information for instructing the financial institution 106 is transmitted to the EB system 113. The SPC 107 confirms the transfer request information by the EB system 113 and approves the financial institution 106 to remit the beneficiary rights transfer price corresponding to the total amount sold to the financial institution 106 via the EB system 113. Based on the remittance approval of the SPC 107, the remittance system remits money to the delivery company 101 (S315). Here, the transfer request information is transmitted from the beneficiary right transfer management unit 203 to the EB system 113, but the SPC 107 may generate the transfer request information and transmit it to the EB system 113.

(Stage D)
The goods delivered from the first VMI warehouse 103 are shipped to the overseas factory 105 through the second VMI warehouse 104 (S316), and the formal sale of the goods is established by the shipment to the overseas factory 105. In this way, merchandise sales are established when the merchandise is shipped to a predetermined shipping destination, and the inventory management information at the time of shipping to the predetermined shipping destination is the shipping information. However, here, as shown in FIG. 9, the unit of goods shipped to the overseas factory 105 is two on July 12, five on August 12, and three on September 30. Not shipped per unit. Therefore, the sales management unit 204 creates the sales management table 210 for each unit shipped to the overseas factory 105 (S317). The trading management unit 204 obtains the shipping date data when the goods are shipped from the inventory information management system 110 to the overseas factory 105 from the second VMI warehouse 104, and the Pull number and Pull branch number are allocated to the trading management table 210. A payment date for a predetermined trading price is calculated from the shipping date and recorded in the trading management table 210.

  In this embodiment, commodities are shipped to the factory via two warehouses, but any number of VMI warehouses may be used. That is, the receipt number assigned in the VMI warehouse managed by the inventory information management system 110 of the first procurement company 102 where the goods are received, and the delivery in which the goods are issued from the VMI warehouse where the next transport destination is a factory. It is sufficient that at least the date (shipment date) can be recorded.

  Further, when at least a part of the VMI warehouse and the factory are overseas as in the present embodiment, the inventory management master 207 records the currency code at the time of the sale and sale of the product and the applicable exchange rate that is the Japanese currency conversion rate. On the other hand, if all VMI warehouses and factories are located in the country, it is not necessary to record these currency codes and applicable exchange rates.

  Further, every time a product is shipped to an overseas factory 105, that is, every time a sale is made, the inventory management unit 201 subtracts the number of shipped products from the number of stocks on the inventory management master 207, and a trust beneficiary right management unit 202 updates each statement while adding the accounts receivable balance of the shipped goods to the trust beneficiary rights management table 208 (S318). Data relating to this transaction is transmitted to the trust accounting system 114, and the trust accounting interlocking data and the like are updated (S319).

  The trading management unit 204 determines the trading of each month at a predetermined interval, for example, at the end of the month, and creates and transmits billing data for cumulative trading from the details of the trading management table 210 to the procurement company (S320). This billing data includes the fund number and the total purchase price of the product corresponding to the fund number.

(Stage E)
Check that the redemption money, which is the purchase price of the product, has been transferred from the procurement company 102 to the financial institution 106 by the due date of payment, and the redemption data management unit 205 has been deposited into a predetermined account corresponding to the fund number in the trade management table 210 Then, the redemption data management unit 205 creates the redemption data management table 211 (S321). The redemption data management unit 205 reads the beneficiary right transfer date from the beneficiary right transfer table 209 of the same fund number , reads the value of the redemption amount from the redemption data management table 211, and calculates the period from the beneficiary right transfer date to the redemption date. An adjustment amount that is the difference between the discount fee and the initial discount fee is calculated, and the adjustment amount is recorded in the redemption data management table 211. As shown in Fig. 9, if this adjustment is divided into 200 yen on September 15, 500 yen on October 15, and 300 yen on December 15, the redemption date and its redemption It is calculated according to the amount. Further, when priority / subordinate is set for the trust amount, the redemption data management unit 205 creates the redemption data management table 211 by dividing the priority portion and the subordinate portion.

  When redemption is started, the trust beneficiary right management unit 202 starts partial redemption in the trust beneficiary right management table 208, and the adjustment amount accumulated in the trust beneficiary right management table 208 is added to the accumulated amount of redemption data in each redemption data management table 211. The value of the adjustment money is added (S322).

  When the entire purchase price of the product is paid from the procurement company 102 and the full redemption is established, the trust beneficiary rights management department sets the redemption category of the trust beneficiary rights management table 208 to the completion of the settlement, records the settlement execution date, and closes the fund At the same time, a “trust property status report” is sent to the beneficiary holder. When the adjustment money has been generated, an “adjustment money calculation form” is created and transmitted to the delivery company 101, and the adjustment money is sent from the SPC 107 (S324).

  In this embodiment, a VMI transaction is assumed as a product purchase transaction. However, what is important in the present invention may be other transaction forms as long as the product purchase transaction ensures the traceability of the product to be traded. In this embodiment, the inventory information management system 110 is placed in the procurement company 102, but the inventory information management system 110 may be placed in the delivery company 101. Further, the master, the table, or items included in them are not limited to those shown in this embodiment, and other arbitrary information can be added.

It is a figure which shows the outline | summary of the VMI finance service which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the movable property type fund procurement system which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the VMI support system which concerns on one Embodiment of this invention. It is a figure which shows the item contained in the inventory management master 207 which concerns on this embodiment. It is a figure which shows the item contained in the trust beneficiary right management table 208 which concerns on this embodiment. It is a figure which shows the item contained in the beneficiary right transfer table 209 which concerns on this embodiment. It is a figure which shows the item contained in the sales management table 210 which concerns on this embodiment. It is a figure which shows the item contained in the redemption data management table 211 which concerns on this embodiment. It is a figure which shows an example of the movement of goods and the movement of a fund in the movable property trust type fund procurement system concerning one embodiment of the present invention. It is a flowchart which shows the trust setting process of the movable property trust type | mold funding system which concerns on this embodiment. It is a flowchart which shows the beneficiary rights transfer process of the movable property trust type fund procurement system which concerns on this embodiment. It is a flowchart which shows the redemption process of the movable property trust type | mold funding system which concerns on this embodiment.

Claims (8)

A personal property trust type fund procurement system having a storage means for raising funds in a product purchase transaction using an inventory information management system,
The inventory management information from inventory information management system periodically acquires, when goods before transaction conclusion from inventory management information items is confirmed that the goods receipt in a predetermined storage, warehousing numbers are numbered in the warehouse An inventory management unit that creates an inventory management master in the storage unit in units and updates the inventory management master according to the movement of the product;
Trust beneficiary right management means for creating a trust beneficiary right management table for setting a trust for the commodity in the storage number unit in the storage means based on the inventory management master and predetermined trust setting information;
When the trust beneficiary right management table flagged for transfer is detected from the storage means, a beneficiary right transfer table is created in the storage means in association with the trust beneficiary right management table, and the trust beneficiary rights paid to the delivery company A beneficiary right transfer management means for calculating the transfer price and recording the trust beneficiary right transfer price in the beneficiary right transfer table;
Trading information management means for creating a sales management table for recording the shipping information in the storage means, when shipping information notifying that the product has been shipped from a predetermined warehouse to a predetermined factory is acquired from the inventory information management system; ,
Upon confirming that the purchase price of the product has been deposited into a predetermined account from the procurement company based on the trading management table, a redemption data management table was created in the storage means and was initially set for the transfer of trust beneficiary rights It is provided with redemption data management means for calculating the difference between the discount fee and the discount fee up to the date of receipt of the purchase price and recording the adjustment amount as the difference in the redemption data management table. Movable trust type fund raising system. The redemption data management means, when trust beneficiary rights are redeemed in installments, calculates a discount fee on each redemption date and records the amount of the adjustment money in the redemption data management table, respectively. personal property trust-type financing system described in 1. The trust beneficiary right management means transmits the transferable trust beneficiary right data to the delivery company, receives the transfer beneficiary trust beneficiary right data transmitted from the delivery company based on the transferable trust beneficiary right data, and The personal property trust type fund raising system according to claim 1 or 2 , wherein a transfer execution flag is set in the trust beneficiary right management table based on trust beneficiary right data. The trading management means, movables trust type financing system as claimed in any one of claims 1 to 3, characterized in that transmitting the sales invoice based on the trading management table to each procurement company. The movable property trust type fund procurement system according to any one of claims 1 to 4 , wherein the commodity purchase transaction is a VMI transaction. A method executed by a personal property trust type fund raising system having a storage means for raising funds in a product purchase transaction using an inventory information management system,
When inventory management information is periodically acquired from the inventory information management system and it is confirmed from the inventory management information of the product that the product before the sale has been received has entered the predetermined warehouse, the warehousing number assigned in the warehouse An inventory management step of creating an inventory management master in the storage means in units, and updating the inventory management master according to the movement of the product;
A trust beneficiary right management step for creating a trust beneficiary right management table in the storage means for setting a trust for the commodity in units of the warehousing number based on the inventory management master and predetermined trust setting information;
When the trust beneficiary rights management table flagged for transfer is detected from the storage means, a beneficiary rights transfer table is created in the storage means in association with the trust beneficiary rights management table, and the trust beneficiary rights to be paid to the delivery company A beneficiary rights transfer management step of calculating a transfer price and recording the trust beneficiary rights transfer price in the beneficiary rights transfer table;
A trading management step of creating a trading management table for recording the shipping information in the storage means when acquiring shipping information from the inventory information management system to notify that the product has been shipped from a predetermined warehouse to a predetermined factory; ,
After confirming that the purchase price of the product has been deposited into a predetermined account from the procurement company based on the trading management table, a redemption data management table was created in the storage means and was initially set for the transfer of trust beneficiary rights A redemption data management step of calculating a difference between the discount fee and the discount fee up to the date of receipt of the purchase price, and recording an adjustment money as the difference in the redemption data management table ; How to do . The redemption data management step, when the trust beneficiary right is divided and redeemed, calculates a discount fee on each redemption date and records the amount of the adjustment money in the redemption data management table, respectively. 6. The method according to 6 . The method according to claim 6 or 7 , wherein the product purchase transaction is a VMI transaction.

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