JP6933998B2 - Electronically recorded loan management methods, management devices, and programs - Google Patents

Description

The present invention relates to an electronically recorded claim management method, a management device, and a program.

There is "Densai (registered trademark)" provided by Zengin Electronic Credit Network Co., Ltd. (Densai Net (registered trademark)). Electronically recorded claims can be settled by the creditor or debtor by making an occurrence record, transfer record, discount, or collateral application to Densai Net through their respective counter financial institutions. It is used as an infrastructure.

Japanese Unexamined Patent Publication No. 2017-107367

For factoring-targeted receivables (discounted receivables), the creditor may be set as a factoring company and the paying company may generate the receivables. In this case, the paying company requests the occurrence record on the Densai Net via the window financial institution. Then, on the settlement date, the transfer is made from the settlement account of the paying company to the settlement account of the factoring company, and after deducting the fee from the factoring settlement account, it is sent to the settlement account of the true creditor who entrusted the factoring. The transfer is made.

In other words, the transfer of this settlement date requires a two-step settlement of settlement from the debtor to the factoring company, and further, after deducting the fee from the factoring company, settlement to the true creditor, as a settlement procedure. Is a roundabout.

An object of the present invention is to realize one-step settlement when the debtor makes a payment to a factoring company on the settlement date, and then the payment is made to a true creditor after deducting a fee from the factoring company. Make one.

According to one embodiment of the present invention, the electronically recorded claim identification information, the transferee information, the settlement date information, and the split amount information indicating the amount corresponding to the split amount are received, and the split transfer record is recorded before the settlement date. To request, a method of transmitting identification information, transferee information and amount information indicating the amount based on the split amount information is provided to the server.

Information on the settlement date may be received from the server.

The settlement date information may be received from the transferor's terminal device.

The split amount information may be received from the storage area provided in the electronically recorded claim management device.

The split amount information may be received from the transferor's terminal device.

The information on the amount of the electronically recorded claim and the amount information may be further received, and the amount information may be calculated based on a predetermined calculation method using the information on the amount of the electronically recorded claim and the split amount information.

If the financial institution server used by the transferor and the financial institution server used by the transferee are different, the split transfer record may be requested.

According to one embodiment of the present invention, a receiving unit that receives identification information of an electronically recorded claim, transferee information, settlement date information, and split amount information indicating an amount corresponding to the split amount, and a split transfer record before the settlement date. To request, a device is provided that includes a split record requesting unit that transmits identification information, transferee information, and monetary amount information indicating the monetary amount based on the split monetary amount information to the server.

Information on the settlement date may be received from the server.

The settlement date information may be received from the transferor's terminal device.

The split amount information may be received from the storage area provided in the electronically recorded claim management device.

The split amount information may be received from the transferor's terminal device.

The receiving unit further receives the information on the amount of the electronically recorded claim and the calculation unit that calculates the amount information based on the predetermined calculation method using the information on the amount of the electronically recorded claim and the split amount information. You may also prepare for it.

If the financial institution server used by the transferor and the financial institution server used by the transferee are different, the split transfer record may be requested.

According to one embodiment of the present invention, the computer receives the identification information of the electronically recorded claim, the transferee information, the settlement date information, and the split amount information indicating the amount according to the split amount, and records the split transfer before the settlement date. Is provided, a program for executing a process of transmitting identification information, transferee information, and amount information indicating an amount based on the split amount information to the server is provided.

Information on the settlement date may be received from the server.

The settlement date information may be received from the transferor's terminal device.

The split amount information may be received from the storage area provided in the electronically recorded claim management device.

The split amount information may be received from the transferor's terminal device.

The information on the amount of the electronically recorded claim and the amount information may be further received, and the amount information may be calculated based on a predetermined calculation method using the information on the amount of the electronically recorded claim and the split amount information.

If the financial institution server used by the transferor and the financial institution server used by the transferee are different, the split transfer record may be requested.

By implementing the present invention, one-step settlement is realized when the debtor makes a payment to the factoring company on the settlement date, and the payment is made to the true creditor after deducting the commission from the factoring company. be able to.

It is a block diagram which shows the structure of the system including the management apparatus which concerns on one Embodiment of this invention. It is a block diagram which shows the functional structure of the management apparatus which concerns on one Embodiment of this invention. It is a figure which shows the management table which the storage part of the management apparatus which concerns on one Embodiment of this invention has. It is a communication flow diagram which shows the process of the management apparatus which concerns on one Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on one Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on one Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on one Embodiment of this invention.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. The embodiments shown below are examples of embodiments of the present invention, and the present invention is not limited to these embodiments.

In the drawings referred to in the present embodiment, the same parts or parts having similar functions are designated by the same reference numerals or similar reference numerals, and the repeated description thereof may be omitted. In addition, a part of the configuration may be omitted from the drawing.

(composition)
FIG. 1 is a block diagram showing a configuration of a system including a management device according to an embodiment of the present invention. The system consists of a recording institution server DN, a first financial institution server B1, a second financial institution server B2, a third financial institution server B3, and a first creditor c1 connected via a network NW such as the Internet or a communication line. It has a first creditor terminal C1 which is a terminal, a second creditor terminal C2 which is a terminal of a second creditor c2, and a debtor terminal D1 which is a terminal of a debtor d1. For example, the first creditor c1 is a person who collects debts under consignment from the second creditor c2, and the second creditor c2 is a creditor who entrusts the first creditor c1 with debt collection. ..

The first creditor c1 uses the first creditor terminal C1 to send and receive various information regarding the electronically recorded creditor to and from the recording institution server DN via the first financial institution server B1. The transmission and reception of various types of information include at least the reception of information for notifying the contents of the occurrence record of the electronically recorded claim and the transmission of the information for requesting the divisional transfer record of the electronically recorded claim.

The debtor d1 uses the debtor terminal D1 to send and receive various information regarding the recording institution server DN and the electronically recorded claim via the second financial institution server B2. The transmission and reception of various types of information includes at least the transmission of information for requesting the occurrence record of electronically recorded claims and the reception of information for notifying the contents of the occurrence record.

The second creditor c1 uses the second creditor terminal C2 to send and receive various information regarding the electronically recorded creditor to and from the recording institution server DN via the third financial institution server B3. The transmission and reception of various information includes at least the reception of information that a request for a divisional transfer record of an electronically recorded claim has been made. The second financial institution server B2 and the third financial institution server B3 may be the same.

The recording institution server DN is a server of the recording institution of electronically recorded claims. For example, the recording institution server DN is Densai Net. The first financial institution server B1, the second financial institution server B2, and the third financial institution server B3 are connected to the recording institution server DN via the network NW.

The first financial institution server B1 is a server of the window financial institution used by the first creditor c1. The first financial institution server B1 has an electronically recorded claim management device MD, as will be described later. The first creditor terminal C1 communicates information with the first financial institution server B1 via the electronically recorded bond management device MD.

The second financial institution server B2 is a server of the window financial institution used by the debtor d1. The second financial institution server B2 has an electronically recorded claim management device. The debtor terminal D1 communicates with the second financial institution server B2 via the electronically recorded claim management device.

The third financial institution server B3 is a server of the window financial institution used by the second creditor c2. The third financial institution server B3 has a management device for electronically recorded receivables. The second creditor terminal C2 communicates with the third financial institution server B3 via the electronically recorded bond management device.

(Functional configuration of management device)
FIG. 2 is a block diagram showing a functional configuration of a management device according to an embodiment of the present invention. The electronically recorded credit management device MD of the first financial institution server B1 has a communication unit 102, a storage unit 104, and a control unit 106.

The communication unit 102 is a communication module that communicates with other devices. In this example, the communication is the Internet, a communication line. Other devices to be communicated are the recording institution server DN, the second financial institution server B2, the third financial institution server B3, and the first creditor terminal C1.

The storage unit 104 is a logical storage area for storing an operating system (OS), application software, data, and the like. Specifically, it is a storage area inside the CPU, a main storage device, and an auxiliary storage device. The storage unit 104 stores application software that realizes various functions of the control unit 106 of the management device MD and a management table T1 that manages electronically recorded claims, which will be described later. The management device MD may have the management table T1 as an external device.

The application software that realizes various functions of the control unit 106 may be provided in a state of being stored in a computer-readable recording medium such as a magnetic recording medium, an optical recording medium, an optical magnetic recording medium, or a semiconductor memory. Further, each application software may be downloaded via the network NW.

Here, the management table T1 for managing the electronically recorded receivables will be described with reference to FIG. FIG. 3 is a diagram showing a management table T1 included in the storage unit 104 of the management device MD according to the embodiment of the present invention.

In the management table T1, the management numbers 1 to 9 (identification information), the debtors d1 to d9, and the financial institution servers B2, B4, and B6 used by the debtor are recorded for the electronically recorded claims of the first creditor c1, respectively. Has been done. In addition, the settlement date of the electronically recorded bond, the creditors c2 to c4, the fees of the financial institution servers B3, B5, and B7 used by the creditors, the first creditor c1 (first amount), and the split transfer record are requested. The amount (second amount) is recorded respectively.

For example, for the electronically recorded claim with control number 1, the information of the second creditor c2, which is the transferee, and the fee of the first creditor c1 (first) are sent from the first creditor terminal C1 to the first financial institution server B1. Information on the amount of money) and information on the amount of money (second amount) for requesting the split transfer record are transmitted.

Then, the input unit 108 of the first financial institution server B1, which will be described later, sends the information of the second creditor c2 and the fee of the first creditor c1 (first) to the management table T1 stored in the storage unit 104. Enter the information of the amount) and the amount (second amount) for requesting the split transfer record.

Then, the split request unit 112 transmits the information of the transferee (second creditor c2) and the information of the amount of money (second amount) for requesting the split transfer record to the recording institution server DN.

The fee for the first creditor c1 (first amount) and the amount for requesting the split transfer record (second amount) are the fee for the first creditor c1 (first amount) based on a predetermined calculation method. ) And the amount of money for requesting the split transfer record (second amount).

For example, when the storage unit 104 of the first financial institution server B1 stores information that the total amount of electronically recorded claims is 100 via the first creditor terminal C1 or the recording institution server DN, the calculation unit 110 described later. However, based on a predetermined calculation method, 10% of the total amount of electronically recorded claims is used as a commission (first amount), and the remaining 90 is used as an amount for requesting a split transfer record (second amount). May be good.

The explanation will be continued by returning to FIG. The control unit 106 is a control module that realizes various functions in the management device MD by operating application software on the OS by a CPU (Central Processing Unit). In this example, the control unit 106 realizes various functions of the input unit 108, the calculation unit 110, and the division request unit 112 in the management device MD.

The input unit 108 requests the information of the second creditor c2, the debt amount, the fee (first amount) of the first creditor c1 received from the first creditor terminal C1, and the split transfer record (the amount of the split transfer record). This is an input module for inputting the information of the second amount of money) into the management table T1 stored in the storage unit 104.

The calculation unit 110 is a module that determines information on the fee (first amount) of the first creditor c1 and information on the amount (second amount) for requesting the split transfer record based on the information stored in the storage unit 104. Is.

The split request unit 112 is a module that requests the recording institution server DN for the split transfer record before the settlement date.

(Operation of management device)
Subsequently, the operation realized in the functional configuration of the management device will be described with reference to the communication flows shown in FIGS. 4 to 7. The following communication flow is performed based on the functions realized by the above-mentioned application software.

FIG. 4 is a communication flow diagram showing processing of the management device according to the embodiment of the present invention. In the following communication flow, the debtor d1 requests the first creditor c1 to record the occurrence of electronically recorded claims. The first creditor c1 may request the obligor d1 to record the occurrence of electronically recorded claims.

When the debtor terminal D1 transmits information for requesting the generation record of the electronically recorded claim to the second financial institution server B2 (step S102), the communication flow of FIG. 4 starts. The debtor terminal D1 may input a future date as the occurrence record date of the electronically recorded claim to the second financial institution server B2 and transmit information for requesting a reservation for the occurrence record.

When the second financial institution server B2 receives the information for requesting the generation record of the electronically recorded claim, it transmits the information for requesting the generation record of the electronically recorded claim to the recording institution server DN ((). Step S104).

When the recording institution server DN receives the information for requesting the occurrence record of the electronically recorded claim, the recording institution server DN records the occurrence record of the electronically recorded claim in the record ledger (step S106).

When the recording institution server DN records the occurrence record of the electronically recorded claim in the record ledger, the recording institution server DN transmits information for notifying the occurrence record contents to the first financial institution server B1 (step S108).

When the first financial institution server B1 receives the information for notifying the occurrence record contents, the first financial institution server B1 stores the information including the settlement date information of the electronically recorded claim (step S110).

When the first financial institution server B1 stores the information for notifying the occurrence record contents including the information on the settlement date of the electronically recorded bond, the first financial institution server B1 transmits the same information to the creditor terminal C1 based on the management table T1. (Step S112).

Further, the recording institution server DN transmits information for notifying the occurrence record contents to the second financial institution server B2 (step S114).

When the second financial institution server B2 receives the information for notifying the occurrence record contents, the second financial institution server B2 transmits the information to the debtor terminal D1 (step S116).

FIG. 5 is a communication flow diagram showing processing of the management device according to the embodiment of the present invention. The following communication flow is a communication flow for specifying the request date of the split transfer record after FIG.

After the debtor terminal D1 receives the information for notifying the occurrence record contents, the first creditor terminal C1 sends the identification information of the electronically recorded creditor to the first financial institution server B1 and the second creditor c2. When the information, the information on the fee (first amount) of the first creditor c1 and the information on the amount for requesting the split transfer record (second amount) are transmitted, the flow of FIG. 5 starts (step S118).

The first financial institution server B1 receives electronically recorded creditor identification information, second creditor c2 information, first creditor c1 fee (first amount) information, and split transfer record from the first creditor terminal C1. When the information on the amount to be charged (second amount) is received, the billing date of the split transfer record before the settlement date is specified based on the information on the settlement date (step S120).

FIG. 6 is a communication flow diagram showing processing of the management device according to the embodiment of the present invention. The following communication flow is a communication flow for requesting the divisional transfer record after FIG.

When the first financial institution server B1 determines that the request date for the split transfer record of the electronically recorded claim has arrived after specifying the request date for the split transfer record, the flow of FIG. 6 starts (step S122).

When the first financial institution server B1 determines that the recording request date of the electronically recorded claim has arrived, the first financial institution server B1 tells the recording institution server DN based on the management table T1 that the identification information of the electronically recorded claim and the second creditor c2. Information, information on the fee (first amount) of the first creditor c1, and information on the amount (second amount) for requesting the split transfer record are transmitted (step S124).

For example, the first financial institution server B1 tells the recording institution server DN based on the management table T1 the identification information of the electronically recorded claim, the information of the second creditor c2, and the fee of the first creditor c1 (first). Information on the amount of money (amount of money) and the amount of money (second amount) for requesting the split transfer record will be transmitted 7 business days before the settlement date.

The first financial institution server B1 may input a future date as the split transfer record date of the electronically recorded claim to the recording institution server DN and send information for requesting a reservation for the split transfer record. ..

When the first financial institution server B1 transmits information for requesting the split transfer record to the recording institution server DN, the recording institution server DN records the split transfer of the electronically recorded claim in the record ledger (step S126). ..

When the first financial institution server B1 transmits information for requesting the split transfer record to the recording institution server DN, the first creditor c1 is used as the electronic record guarantor to request the guarantee record. Information for the purpose may also be transmitted.

When the recording institution server DN records the split transfer of the electronically recorded claim in the record ledger, the recording institution server DN transmits information for notifying the recorded contents to the first financial institution server B1 (step S128).

When the first financial institution server B1 receives the information for notifying the recorded contents, it transmits the recorded contents to the first creditor terminal C1 based on the management table T1 (step S130).

Further, the recording institution server DN transmits information for notifying the recorded contents to the third financial institution server B3 used by the second creditor c2, which is the transferee of the electronically recorded claim (step S132). When the third financial institution server B3 receives the information for notifying the recorded contents, the third financial institution server B3 transmits the recorded contents to the second creditor terminal C2 (step S134).

FIG. 7 is a communication flow diagram showing processing of the management device according to the embodiment of the present invention. The following communication flow is the communication flow for settlement after FIG.

When the recording institution server DN determines that two business days before the settlement date of the electronically recorded claim has arrived, the flow of FIG. 7 starts (step S136).

When the recording institution server DN determines that two business days before the settlement date of the electronically recorded claim has arrived, it transmits the settlement information to the second financial institution server B2 (step S138).

The second financial institution server B2 withdraws the settlement funds from the account recorded as the debtor settlement account, and charges the account recorded as the creditor transfer account of the first financial institution used by the first creditor c1. Transfer the settlement funds corresponding to the first amount) (step S140).

In addition, the second financial institution server B2 withdraws the settlement funds from the account recorded as the debtor settlement account, and transfers the settlement funds to the account recorded as the creditor transfer account of the third financial institution used by the second creditor c2. Transfer the settlement funds corresponding to the amount (second amount) for which the split transfer record is requested (step S142).

In this way, the first financial institution server B1 requests the recording institution server DN for the split transfer record to the second creditor c2 based on the management table T1 before the settlement date of the electronically recorded claim. Send information about. Therefore, on the settlement date of the electronically recorded bond, between the settlement accounts used by the first creditor c1 and the debtor d1 of the electronically recorded bond, and between the settlement accounts used by the second creditor c2 and the debtor d1, respectively. Settlement is made, and one-step settlement can be realized on the settlement date.

Further, even if the settlement account of the first creditor c1 and the settlement accounts of the debtor d1 and the second creditor c2 are different, the settlement can be realized in one step. According to one embodiment of the present invention, when the settlement account of the second creditor c2 and the settlement account of the debtor d1 are settlement accounts of the same financial institution, an internal process of settlement between settlement accounts at the same financial institution. It is possible to realize one-step payment.

Furthermore, when the first creditor c1 is a factoring company for electronically recorded claims, from the viewpoint of asset management using electronically recorded claims and protection of the transferee of electronically recorded claims, not at the same time as the request for recording the occurrence of electronically recorded claims. It is necessary to hold an electronically recorded claim for a certain period of time and then transfer the electronically recorded claim to a true creditor. According to one embodiment of the present invention, while holding an electronically recorded claim for a certain period of time, a factoring company requests a true creditor to record the transfer of the electronically recorded claim before the settlement date, thereby performing one-step settlement. It can be realized.

Those skilled in the art who have appropriately added, deleted, or changed the design of components and processes based on the above-described embodiments are also included in the scope of the present invention as long as the gist of the present invention is provided.

DN; Recording Institution Server, B1; First Financial Institution Server, B2; Second Financial Institution Server, B3; Third Financial Institution Server, c1; First Creditor, C1; First Creditor Terminal, c2; Second Credit Person, C2; second creditor terminal, d1 to d9; debtor, D1 to D9; debtor terminal, NW; network, T1; management table, 102; communication unit, 104; storage unit, 106; control unit, 108 Input unit, 110; Calculation unit, 112; Split billing unit

Claims (18)

The way the computer does
Receives the identification information of the electronically recorded claim, the transferee information, the settlement date information , the split amount information indicating the amount according to the split amount , and the amount information of the electronically recorded claim .
To request a split transfer recorded on the settlement date before, it calculates the identification information, information of the assignee, and using the information of the amount of the electronic recording receivables and the divided amount information, and based on the predetermined calculation method how to send the amount of money information to the server. The method according to claim 1, wherein the settlement date information is received from the server. The method of claim 1, wherein the settlement date information is received from the transferor's terminal device. The method according to any one of claims 1 to 3, wherein the split amount information is received from a storage area included in the electronically recorded claim management device. The method according to any one of claims 1 to 3, wherein the split amount information is received from the terminal device of the transferor. The method according to any one of claims 1 to 5 , which requests the split transfer record when the financial institution server used by the transferor and the financial institution server used by the transferee are different. A receiving unit that receives identification information of the electronically recorded claim, transferee information, settlement date information , split amount information indicating the amount according to the split amount, and information on the amount of the electronically recorded claim.
A calculation unit that calculates amount information based on a predetermined calculation method using the split amount information and the amount information of the electronically recorded claim.
To request a split transfer recorded on the settlement date before, the identification information, device having a dividing recording requesting unit that transmits the assignee of the information, and the pre-Kikin amount information to the server. The device according to claim 7 , wherein the payment date information is received from the server. The device according to claim 7 , wherein the information on the settlement date is received from the terminal device of the transferor. The device according to any one of claims 7 to 9 , which receives the split amount information from a storage area included in the electronically recorded claim management device. The device according to any one of claims 7 to 10 , which receives the split amount information from the terminal device of the transferor. The device according to any one of claims 7 to 11 , which requests the split transfer record when the financial institution server used by the transferor and the financial institution server used by the transferee are different. On the computer
Receives the identification information of the electronically recorded claim, the transferee information, the settlement date information , the split amount information indicating the amount according to the split amount, and the amount information of the electronically recorded claim .
To request a split transfer recorded on the settlement date before, it calculates the identification information, information of the assignee, and using the information of the amount of the electronic recording receivables and the divided amount information, and based on the predetermined calculation method A program to execute the process of sending the amount information to the server. The program according to claim 13 , wherein the payment date information is received from the server. The program according to claim 13 , wherein the information on the settlement date is received from the terminal device of the transferor. The program according to any one of claims 13 to 15 , which receives the split amount information from a storage area included in the electronically recorded claim management device. The program according to any one of claims 13 to 16 , which receives the split amount information from the terminal device of the transferor. The program according to any one of claims 13 to 17 , which requests the split transfer record when the financial institution server used by the transferor and the financial institution server used by the transferee are different.

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