JP7018773B2 - Electronic bond management methods, management devices, and programs - Google Patents

Description

The present invention relates to an electronic 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)). Electronic claims are used as a settlement infrastructure because creditors or debtors can settle payments to Densai Net through their respective counter financial institutions by recording the occurrence and transfer. ..

Japanese Unexamined Patent Publication No. 2017-107367

When applying for factoring of electronic creditors, after recording the occurrence of the factoring company designated as the creditor on Densai Net, transfer record to Densai Net based on the discount application of the true creditor. Discounts on factored loans will be implemented. Debtor's window The financial institution withdraws the settlement funds from the settlement account recorded as the obligor settlement account on the due date and transfers the funds to the settlement account of the transferee of the electronic claim.

If the settlement account of the debtor's window financial institution is not the settlement account of the factoring company's window financial institution, the debtor does not use the settlement system of the factoring company's window financial institution. Therefore, the debtor can change or cancel the discounted receivables from Densai Net through another window financial institution different from the window financial institution used by the factoring company.

According to the present invention, when a factoring company purchases an electronic claim generated by an obligor who has a settlement account at another window financial institution, the settlement system of the other window financial institution is used for a certain period including a discount date. One of the purposes is to prevent changes and cancellation requests by the obligor who used it.

According to one embodiment of the present invention, the identification information for identifying the electronic bond and the desired discount date for the electronic bond are received, and the reservation for the transfer record of the electronic bond corresponding to the identification information is made on the reservation request date before the desired discount date. An electronic bond management method is provided in which information for making a claim is transmitted to a server that restricts the change and cancellation of the electronic bond record until the transfer of the electronic bond is executed after the reservation of the transfer record is executed.

The information for requesting the reservation of the transfer record may include the information on the transfer record date of the electronic claim based on the desired discount date.

The information for requesting the reservation of the electronic bond generation record may be received, and the electronic bond generation record date may be set as the desired discount date.

A reservation request date retroactive from the desired discount date may be specified based on a predetermined calculation method.

The identification information for identifying the electronic bond and the information of the predetermined calculation method may be received, and the reservation request date retroactive from the desired discount date may be specified based on the predetermined calculation method.

According to one embodiment of the present invention, the communication unit that receives the identification information for identifying the electronic bond and the desired discount date of the electronic bond, and the transfer of the electronic bond corresponding to the identification information on the reservation request date before the desired discount date. An electronic reservation requesting unit that sends information for requesting a reservation for a record to a server that restricts the change and cancellation of the record of the electronic bond until the transfer of the electronic bond is executed after the reservation of the transfer record. A credit management device is provided.

The information for requesting the reservation of the transfer record may include the information on the transfer record date of the electronic claim based on the desired discount date.

The communication unit may receive information for requesting a reservation for the electronic claim generation record, and may set the electronic bond generation recording date as the desired discount date.

A specific unit that specifies a reservation request date retroactive from the desired discount date based on a predetermined calculation method may be provided.

The communication unit may receive the identification information for identifying the electronic bond and the information of the predetermined calculation method, and the specific unit may specify the reservation request date retroactive from the desired discount date based on the predetermined calculation method.

According to an embodiment of the present invention, the computer receives the identification information for identifying the electronic bond and the desired discount date of the electronic bond, and the electronic bond corresponding to the identification information is transferred on the reservation request date before the desired discount date. A program for executing a process of transmitting information for requesting a reservation of a record to a server that restricts the change and cancellation of the record of the electronic bond until the transfer of the electronic bond is executed after the reservation of the transfer record is executed. Provided.

The information for requesting the reservation of the transfer record may include the information on the transfer record date of the electronic claim based on the desired discount date.

You may receive the information for requesting the reservation of the electronic bond generation record and execute the process in which the electronic bond generation record date is set as the desired discount date.

A reservation request date retroactive from the desired discount date may be specified based on a predetermined calculation method.

It is possible to receive the identification information for identifying the electronic bond and the information of the predetermined calculation method, and execute the process of specifying the reservation request date retroactive from the desired discount date based on the predetermined calculation method.

By implementing the present invention, when a factoring company purchases an electronic claim generated by an obligor who has a settlement account at another counter financial institution, the other counter financial institution will purchase it for a certain period including the discount date. It is possible to prevent changes and cancellation requests by the debtor using the settlement system of.

It is a block diagram which shows the structure of the system which includes the management apparatus which concerns on 1st Embodiment of this invention. It is a block diagram which shows the functional structure of the management apparatus which concerns on 1st Embodiment of this invention. It is a figure which shows the management table which the storage part of the management apparatus which concerns on 1st Embodiment of this invention has. It is a communication flow diagram which shows the process of the management apparatus which concerns on 1st Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 1st Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 1st Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 1st Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 1st Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 2nd Embodiment of this invention. It is a communication flow diagram which shows the process of the management apparatus which concerns on 2nd 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 the 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.

<First Embodiment>
The management device according to the first aspect of the present invention will be described in detail with reference to the drawings.

(Constitution)
FIG. 1 is a block diagram showing a configuration of a system including a management device according to a first embodiment of the present invention. The system is a recording institution server DN, a first financial institution server B1, a second financial institution server B2, and a terminal of a first creditor who is a transferor of electronic creditors, which is connected via a network NW such as the Internet and a communication line. It has a first creditor terminal C1, a second creditor terminal C2 which is a terminal of a second creditor who is a transferee who receives electronic claims from the first creditor, and a debtor terminal D1. The first creditor uses the first creditor terminal C1, the second creditor uses the second creditor terminal C2, and electronic claims are generated on the recording institution server DN via the first financial institution server B1, respectively. Request records, request transfer records, etc. The debtor uses the debtor terminal D1 to request the recording institution server DN to record the occurrence of electronic claims via the second financial institution server B2.

The recording institution server DN is a server of an electronic claim recording institution. For example, the recording institution server DN is Densai Net. The recording institution server DN restricts the change or cancellation of the electronic bond until the transfer of the electronic bond is executed by the transfer reservation to the recorded electronic bond. The first financial institution server B1 and the second financial institution server B2 are connected to the recording institution server DN via the network NT.

The restrictions on the change and cancellation of electronic claims are, for example, when the obligor uses the obligor terminal D1 and connects to the recording institution server DN via the second financial institution server B2, the recording institution server DN changes. 2 Information with restrictions on changes and cancellations of electronic claims is transmitted to the debtor terminal D1 via the financial institution server B2, and restrictions on changes and cancellations of electronic claims are sent to the debtor terminal that has received the information. The debtor will be notified by the indication that it has been done. The same applies to the first creditor and the second creditor.

The first financial institution server B1 is a server of the window financial institution of the first creditor terminal C1 and the second creditor terminal C2. The first financial institution server B1 has an electronic bond management device BD1 as described later. The first creditor terminal C1 and the second creditor terminal C2 communicate information with the first financial institution server B1 via the electronic creditor management device BD1.

The second financial institution server B2 is a server of the window financial institution of the debtor terminal D1. The second financial institution server B2 has an electronic bond management device. The debtor terminal D1 communicates with the second financial institution server B2 via the electronic bond management device.

(Functional configuration of management device)
FIG. 2 is a block diagram showing a functional configuration of the management device according to the first embodiment of the present invention. The electronic bond management device BD1 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. Communication is, in this example, the Internet, a communication circuit. Other devices to be communicated are the recording institution server DN, the second financial institution server B2, the first creditor terminal C1, and the second creditor terminal C2.

The storage unit 104 is a logical storage area, and is a memory such as a storage area inside the CPU, a main storage device, and a secondary storage device. The storage unit 104 stores a program that realizes various functions of the control unit 106 of the management device BD1 and a management table T1 that manages an electronic bond described later. The management table T1 may be provided as an external device.

The program 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 program may be downloaded via the network NW.

Here, the management table T1 for managing the electronic bond will be described with reference to FIG. FIG. 3 is a diagram showing a management table T1 included in the storage unit of the management device according to the first embodiment of the present invention. In the management table T1, regarding the electronic claims of the first creditor, the debtor terminals D1 to D9, other financial institutions B2 to B4 including the second financial institution server B2 other than the first financial institution server B1, and the first creditor The desired discount dates entered by the terminal C1 into the first financial institution server B1 are associated and stored. Information about the electronic bond, the debtor of the electronic bond, the financial institution at which the debtor is contacted, and the settlement date is referred to as the identification information of the electronic bond.

For example, when the first creditor terminal C1 transmits the desired discount date of December 8, 2017 to the first financial institution server B1 with respect to the electronic creditor to the debtor terminal D1 using the second financial institution server B2, it will be described later. , The input unit 108 of the first financial institution server B1 inputs the desired discount date December 8, 2017 in the management table T1 stored in the storage unit 104, and the specific unit 110 of the first financial institution server B1 requests a discount. The day two business days before the day is specified as the reservation request date.

In this example, since the desired discount date is December 8, 2017, the reservation request date is December 6, 2017, which is the day two business days before the reservation request date. That is, when the first creditor terminal C1 transmits the desired discount date to the first financial institution server B1, the desired discount date-2 business days is specified as the reservation request date. The same applies to the other debtor terminals D2 to D9. The number of days that the specific unit 110 of the first financial institution server B1 goes back to specify the reservation request date from the desired discount date does not have to be two business days ago, and the number of days that go back for each electronic claim may be changed. ..

The control unit 106 is a CPU (Central Processing Unit).

The control unit 106 executes the program stored in the storage unit 104 by the CPU, and realizes various functions in the management device BD1. The control unit 106 has an input unit 108, a specific unit 110, and a reservation request unit 112.

The input unit 108 is an input module for inputting the desired discount date input by the first creditor terminal C1 into the management table stored in the storage unit 104.

The specific unit 110 is a module for determining a reservation request date retroactive from the desired discount date with reference to the management table T1 stored in the storage unit 104.

The reservation requesting unit 112 is a module that requests the recording institution server DN to make a reservation for the transfer record on the reservation request 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 8.

FIG. 4 is a communication flow diagram showing processing of the management device according to the first embodiment of the present invention. First, the debtor terminal D1 transmits information for requesting a reservation for an electronic claim generation record to the second financial institution server B2 (step S102). At this time, the debtor terminal D1 inputs a future date as the generation record date of the electronic claim to the second financial institution server B2, and transmits information for requesting a reservation for the generation record.

When the debtor terminal D1 transmits information for requesting a reservation for an electronic bond generation record, the second financial institution server B2 receives information for requesting a reservation for an electronic bond generation record, and the recording institution server DN. Information for requesting a reservation for recording the occurrence of electronic claims is transmitted to the server (step S104).

When the second financial institution server B2 transmits information for requesting the recording institution server DN to reserve the electronic claim generation record, the recording institution server DN records the reservation of the electronic claim generation record in the recording ledger. (Step S106).

When the recording institution server DN records the reservation of the generation record of the electronic claim in the recording ledger, the recording institution server DN transmits the recorded contents to the first financial institution server B1 (step S108). The first financial institution server B1 that has received the recorded contents transmits the recorded contents to the creditor terminal C1 (step S110).

Further, the recording institution server DN transmits the recorded contents to the second financial institution server B2 (step S112). The second financial institution server B2 that has received the recorded contents transmits the recorded contents to the debtor terminal D1 (step S114).

FIG. 5 is a communication flow diagram showing processing of the management device according to the first embodiment of the present invention. Hereinafter, the communication flow after the communication flow of FIG. 4 will be described. After the first creditor terminal C1 receives the recorded contents, when the first creditor decides the desired discount date, the communication flow of FIG. 5 starts.

The first creditor terminal C1 transmits the identification information of the electronic claim and the information of the desired discount date of the electronic claim to the first financial institution server B1 (step S116).

When the first financial institution server B1 receives the identification information of the electronic credit and the information of the desired discount date of the electronic credit, the first financial institution server B1 is a management table stored in the storage unit 104 of the first financial institution server B1. The input unit 108 inputs the desired discount date in T1, and the specific unit 110 specifies the reservation request date retroactive from the desired discount date (step S118).

FIG. 6 is a communication flow diagram showing processing of the management device according to the first embodiment of the present invention. Hereinafter, the communication flow after the communication flow of FIG. 5 will be described. After the first financial institution server B1 specifies the reservation request date, when it is determined that the reservation request date for the electronic bond has arrived, the flow of FIG. 6 starts (step S120).

When the reservation request date for the electronic bond arrives, the reservation requesting unit 112 that requests the reservation of the transfer record of the electronic bond of the first financial institution server B1 tells the recording institution server DN the transfer record including the transfer record date information. Information for requesting a reservation is transmitted (step S122). In this example, the reservation requesting unit 112 of the first financial institution server B1 transmits the information for requesting the reservation of the transfer record to the recording institution server DN, as described above, 2 on the desired discount date. It is before business days.

When the reservation requesting unit 112 of the first financial institution server B1 transmits information for requesting the reservation of the transfer record to the recording institution server DN, the recording institution server DN makes the reservation of the transfer record of the electronic claim in the recording ledger. Record (step S124).

The recording institution server DN transmits the recorded contents to the first financial institution server B1 (step S126). The first financial institution server B1 that has received the recorded contents transmits the recorded contents to the first creditor terminal C1 (step S128).

Further, the recording institution server DN transmits the recorded contents to the second financial institution server B2 (step S130). The second financial institution server B2 that has received the recorded contents transmits the recorded contents to the debtor terminal D1 (step S132).

In this way, the recording institution server DN restricts the change and cancellation of the electronic claim until the transfer of the electronic claim is executed by the transfer reservation to the recorded electronic claim, so that the recording institution server DN makes a reservation request for the transfer record. By accepting, it will not be possible to change or cancel the electronic claim for which the reservation of the occurrence record has been requested through a window financial institution other than the first financial institution server B1 such as the second financial institution server B2. ..

FIG. 7 is a communication flow diagram showing the processing of the management device according to the first embodiment of the present invention. Hereinafter, the communication flow after the communication flow of FIG. 6 will be described. When the server DN of the recording institution determines that the transfer recording date of the electronic bond has arrived, the flow of FIG. 7 starts (step S134).

When the server DN of the recording institution determines that the transfer record date of the electronic claim has arrived, the recording institution server DN transmits the record contents of the occurrence record of the electronic claim and the transfer record to the first financial institution server B1 ( Step S136). When the first financial institution server B1 receives the recorded content, the first financial institution server B1 transmits the recorded content to the first creditor terminal C1 (step S138).

When the first financial institution server B1 receives the recorded content, the first financial institution server B1 transmits the recorded content to the second creditor terminal C2 (step S140).

FIG. 8 is a communication flow diagram showing processing of the management device according to the first embodiment of the present invention. Hereinafter, the communication flow after the communication flow of FIG. 7 will be described. When the server DN of the recording institution determines that two business days before the settlement date of the electronic bond has arrived, the flow of FIG. 8 starts (step S142).

When the recording institution server DN determines that two business days before the settlement date of the electronic bond has arrived, the recording institution server DN transmits the settlement information to the second financial institution server B2 (step S144).

The second financial institution server B2 withdraws the settlement funds from the account recorded as the debtor settlement account and settles to the account recorded as the creditor transfer account of the first financial institution which is the window financial institution of the second creditor. Transfer the funds (step S146).

As described above, when the first financial institution server B1, which is the contact financial institution of the first creditor, makes a reservation request for the transfer record to the recording institution server DN, the recording institution server DN accepts the reservation request for the transfer record. When the recording institution server DN accepts the reservation request for the transfer record, the debtor terminal D1 makes a reservation request for the occurrence record via a window financial institution other than the first financial institution server B1 such as the second financial institution server B2. It will not be possible to change or cancel the electronic claims that have been made. Therefore, when a creditor purchases an electronic bond generated by a debtor who has a settlement account at another counter financial institution, the debt using the settlement system of the other counter financial institution for a certain period including the discount date. It is possible to prevent changes and cancellation requests by persons.

<Second Embodiment>
Unlike the first embodiment, the first creditor requests the server of the first financial institution to record the occurrence of electronic claims, and at this time, the identification information of the electronic claims and the information on the desired discount date of the electronic claims. Also send. Hereinafter, a part of the configuration for realizing this, which is different from the first embodiment, will be described.

FIG. 9 is a communication flow diagram showing the processing of the management device according to the second embodiment of the present invention. First, the first creditor terminal D1 transmits information for requesting the generation record of electronic claims to the first financial institution server B1 (step S202). At this time, the first creditor terminal D1 also transmits the identification information of the electronic claim and the information of the desired discount date of the electronic claim to the first financial institution server B1.

When the first creditor terminal D1 transmits the information for requesting the occurrence record of the electronic claim and the information on the desired discount date of the electronic claim, the first financial institution server B1 requests the occurrence record of the electronic claim. The information is received, and the information for requesting the generation record of the electronic claim is transmitted to the recording institution server DN (step S204).

When the first financial institution server B1 transmits information for requesting the electronic claim generation record to the recording institution server DN, the recording institution server DN records the electronic claim generation record in the recording ledger (step S206). ).

When the recording institution server DN records the occurrence record of the electronic claim in the recording ledger, the recording institution server DN transmits the recorded contents to the first financial institution server B1 (step S208). The first financial institution server B1 that has received the recorded contents transmits the recorded contents to the creditor terminal C1 (step S210).

Further, the recording institution server DN transmits the recorded contents to the second financial institution server B2 (step S212). The second financial institution server B2 that has received the recorded contents transmits the recorded contents to the debtor terminal D1 (step S214).

FIG. 10 is a communication flow diagram showing processing of the management device according to the second embodiment of the present invention. Hereinafter, the communication flow after the communication flow of FIG. 9 will be described.

The first financial institution server B1 has a management table T1 stored in the storage unit 104 of the first financial institution server B1 based on the already received identification information of the electronic claims and the information of the desired discount date of the electronic claims. The input unit 108 inputs the desired discount date, and the specific unit 110 specifies the reservation request date retroactive from the desired discount date (step S216).

As described above, unlike the first embodiment, the first creditor can also send the information on the desired discount date when requesting the generation record of the electronic credit, as in the first embodiment. The first financial institution server B1 which is the window financial institution of the creditor makes a reservation request for the transfer record to the recording institution server DN, the recording institution server DN accepts the reservation request for the transfer record, and the debtor terminal D1 is the first. (2) It becomes impossible to change or cancel an electronic creditor for which a reservation request for an occurrence record has been made through a window financial institution other than the first financial institution server B1 such as the financial institution server B2. Therefore, when a creditor purchases an electronic bond generated by a debtor who has a settlement account at another counter financial institution, the debt using the settlement system of the other counter financial institution for a certain period including the discount date. It is possible to prevent changes and cancellation requests by persons.

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, C1; first creditor terminal, C2; second creditor terminal, D1 to D9; debtor terminal, NW; network, T1; management table, 102; communication unit, 104; storage unit, 106; control unit, 108; input unit, 110; specific unit, 112; reservation request unit

Claims (12)

The way the computer does
Upon receiving the identification information for identifying the electronic claim and the desired discount date of the electronic claim from the creditor terminal ,
The reservation request date specified by subtracting a predetermined number of days from the received discount desired date is stored in the management table in association with the identification information.
With reference to the management table, the identification information for which the reservation request date has arrived is extracted, and the information for requesting the reservation of the transfer record of the electronic claim corresponding to the extracted identification information is reserved for the transfer record. A method for managing an electronic bond, which is transmitted to a recording institution server having a function of restricting the change and cancellation of the record of the electronic bond until the transfer of the electronic bond is executed after the request is made . The electronic claim management method according to claim 1, wherein the information for making a reservation request for the transfer record includes information on the transfer record date of the electronic claim based on the desired discount date. The electronic bond management method according to claim 1 or 2, wherein the information for making a reservation request for the electronic bond generation record is received, and the electronic bond generation record date is set as the desired discount date. The electronic claim management method according to any one of claims 1 to 3 , wherein the predetermined number of days is determined in accordance with the received identification information . A communication unit that receives identification information for identifying an electronic claim from a creditor terminal and a desired discount date for the electronic claim, and a communication unit.
A storage unit that stores a management table in which a reservation request date specified by subtracting a predetermined number of days from the received discount desired date and the identification information associated with the reservation request date are stored.
With reference to the management table, the identification information for identifying the electronic bond whose reservation request date has arrived is extracted , and the information for making a reservation request for the transfer record of the electronic bond corresponding to the extracted identification information is obtained. , A reservation requesting unit that transmits to a recording institution server having a function of restricting the record change and cancellation of the electronic claim until the transfer of the electronic claim is executed after the reservation request of the transfer record is made.
Electronic credit management device equipped with. The electronic bond management device according to claim 5 , wherein the information for making a reservation request for the transfer record includes information on the transfer record date of the electronic bond based on the desired discount date. The electronic claim according to claim 5 or 6 , wherein the communication unit receives information for making a reservation request for the occurrence record of the electronic claim, and sets the occurrence record date of the electronic claim as the desired discount date. Management device. The electronic claim management device according to any one of claims 5 to 7 , wherein the predetermined number of days is determined in accordance with the received identification information . On the computer
Upon receiving the identification information for identifying the electronic claim and the desired discount date of the electronic claim from the creditor terminal ,
The reservation request date specified by subtracting a predetermined number of days from the desired discount date is stored in the management table in association with the identification information.
With reference to the management table, the identification information for which the reservation request date has arrived is extracted, and the information for requesting the reservation of the transfer record of the electronic claim corresponding to the extracted identification information is reserved for the transfer record. A program for executing a process of transmitting to a recording institution server having a function of restricting record change and cancellation of the electronic bond until the transfer of the electronic bond is executed after the request is made . The program according to claim 9 , wherein the information for making a reservation request for the transfer record includes information on the transfer record date of the electronic claim based on the desired discount date. The program according to claim 9 or 10 , wherein the program for receiving information for making a reservation request for the generation record of the electronic bond and executing the process of setting the generation record date of the electronic bond as the desired discount date. The program according to any one of claims 9 to 11 , wherein the predetermined number of days is determined in accordance with the received identification information .

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