JP2001338149A - Acting system for debt arrangement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an acting system for debt arrangement to enable a buyer to achieve reduction of man power and cost in a clerical work of payment of purchasing cost and to enable a supplier to flexibly procure funds by early collection of merchandise cost. SOLUTION: The system is constituted so that plural pieces of buying information regarding merchandise purchased by credit account are transmitted from a buying content data base on the buyer's side to a settlement server on the side of banking facilities having financial power, the settlement server waits for offer of transfer of accounts receivable by the supplier only for prescribed period, performs a money transfer processing to the supplier by confirming the contents of the offer from the buying information, on the other hand, sums up the total amount of debts receivable purchased in fixed period and creates claim information from the banking facility to the buyer when the offer of the transfer is made and returns claim information to which no offer is made to the buying content data base on the buyer's side as unpaid accounts payable data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention resides between a purchaser such as a large-scale retail store or a manufacturer who purchases a large amount of goods, and a supplier who supplies goods or parts to these purchasers. The present invention relates to a debt processing agency system for reducing the clerical work labor and supporting flexible financing in credit transactions between these traders.

[0002]

2. Description of the Related Art For example, a large-scale retail store handles tens of thousands of products, and the retail store has business relationships with a large number of suppliers existing for each product. Usually, this type of transaction is a credit transaction, that is, a transaction in which the goods are paid for later, and when the goods have been delivered or purchased, the receivables are provided to the supplier, and the receivables are provided to the supplier. Will have accounts payable.

[0003] However, the paperwork of paying for the goods to hundreds of suppliers is enormous, and the purchasers are forced to invest a great deal of labor and expense in paying the accounts payable and managing the due date. I have. In addition, if the purchaser expands the business scale with its growth, the number of traders will increase accordingly, and more labor and expense will be required for the processing of payment of accounts payable and the management of due dates, which leads to the expansion of the business scale It is one of the factors that hinders.

On the other hand, if the supplier has a business relationship with a large number of suppliers, the burden of the supplier on the payment of the commodity price increases, and therefore, the above-mentioned credit transaction requires payment of the commodity price to the supplier. Is 1 from delivery
The general scheme of ~ 2 months ahead is common. For example,
If the settlement condition is cash payment at the end of the month following the end of each month,
As shown in FIG. 7, the payment of the commodity price (account payable) for the credit transaction that occurred in the current month is the end of the following month. For this reason, even the supplier who delivered the product immediately before the deadline cannot receive the product price for one month, and the supplier who delivered the product immediately after the deadline cannot receive the product price for almost two months. If the payment is by bill, the period until cashing is further lengthened.

[0005] For this reason, collection of accounts receivable is delayed for the supplier. For example, even if raw materials for producing goods are available at low prices on the market, it is difficult to prepare funds for purchasing them. You will miss out on business opportunities. In addition, while working capital is being procured from financial institutions such as banks until the collection of accounts receivable, it is difficult to raise funds in a severe financial environment during a recession. Even if the working capital is borrowed from a financial institution, if the receivable cannot be collected due to the bankruptcy of the purchaser or the like, only the debt remains and there is a risk of chain bankruptcy. Such difficulty in financing is a serious problem for small and medium-sized suppliers that deliver products to large-scale retailers, and subcontractors and grandchildren that deliver parts and the like to major manufacturers.

[0006]

SUMMARY OF THE INVENTION The present invention has been made in view of the above problems, and has as its object to reduce the labor required for a purchaser in the clerical work of paying the purchase price. Debt processing agency system that enables financing and cost reductions, reduces the burden of funds on payment of accounts payable, and enables flexible financing to suppliers by promptly collecting product prices Is to do.

[0007]

In order to achieve the above-mentioned object, a debt processing agency system according to the present invention comprises: a purchase content database of a purchaser to which a plurality of purchase information relating to goods purchased in a credit transaction is input; While the purchase information stored in the purchase content database on the purchaser side is periodically transferred to the financial institution side server and updated while the purchase information stored in the purchaser content database on the purchaser side is updated. If an offer to sell the receivable corresponding to one purchase information is made by the supplier of the product to the financial institution, the settlement server of the financial institution decides to purchase the receivable, and from the purchase fund account While processing the transfer of the purchase price to the supplier,
The total amount of receivables purchased within a certain period is summed up to create billing information from the financial institution to the above-mentioned purchaser, and the purchase information that has not been transferred within a predetermined period is used as unpaid accounts receivable data. It is characterized in that it is sent back to the purchase contents database of the purchaser.

According to the configuration of the present invention, the purchaser sends his / her purchase information, that is, information on the accounts payable to the settlement server at the financial institution from the purchase content database, so that the financial institution can make the purchase. The status of a plurality of accounts payable held by a trader can be grasped sequentially, and when a supplier offers to sell trade receivables corresponding to these payables, the financial The existence and its contents can be confirmed. When the settlement server confirms the contents of the receivables, it decides to purchase them, and performs a transfer process to the bank to pay the purchase price to the supplier from the purchase fund account held by the financial institution. Do. In other words, the financial institution can immediately purchase the receivables held by the supplier with its own financial power, and the supplier can see that the receivable is paid before the payment date of the goods price (receivable) by the supplier. Since it can be collected, it is possible to procure funds on its own by early collection of the price of the goods delivered by itself without financing by borrowing or the like. In addition, from the viewpoint of the purchaser, it is not necessary to prepare funds for paying the accounts payable immediately after the purchase of the product, and the business can be continued with the burden on the funds being extremely reduced.

[0009] On the other hand, the settlement server of the financial institution that has purchased the receivables receivables sums up the total amount of receivables purchased within a certain period and creates billing information from the financial institution to the purchaser. . At the same time, the settlement server simultaneously purchases information corresponding to the accounts receivable that has not been offered for purchase,
That is, data on accounts payable that has not been paid yet is created and sent back to the purchasing content database of the purchasing company. This means that, from the point of view of the purchaser, the information (purchase information) relating to the large number of accounts payable sent to the settlement server at the financial institution has one large amount of billing data and the number of In other words, it has been returned in the form of debt data. For this reason, after the data is returned from the settlement server, the purchaser only has to make one large payment corresponding to the billing data to the financial institution, and perform the payment processing only for the remaining accounts payable, The labor and cost required for such paperwork can be significantly reduced. In addition, even if the supplier receives such services by the financial institution, the supplier only needs to perform payment processing to the financial institution and the remaining suppliers at the same timing as the payment date for the conventional accounts payable, No additional administrative burden is incurred.

[0010] In the present invention, the settlement server does not purchase all of the offered receivables, but purchases the contents of such receivables from the purchaser's database in advance. ), And a purchase decision is preferably made only when the corresponding purchase information exists. With such a configuration, the financial institution that purchases never buys a loan whose content has not been determined, so that the security of the transaction is ensured.

Further, in the present invention, the settlement server returns the purchase information that has not been purchased in the predetermined institution to the purchaser as data on the accounts payable, so that the purchaser can use his / her own data based on this data. Payment processing can be performed. At this time, from the viewpoint of efficient payment processing for the remaining accounts payable,
It is preferable that a processing server that performs payment processing based on the contents of the unpaid accounts payable data returned from the financial institution is provided in the purchaser.

[0012] Further, from the viewpoint of labor saving of the purchase operation at the financial institution, it is preferable that the offer of the seller to the financial institution be sold to the settlement server via a telecommunication line. At this time, the contents of the offer sent by the supplier to the settlement server include information for identifying that the supplier has a transaction with the supplier sending the purchase information to the settlement server, and information of the supplier. It can be composed of the delivery slip number, and as long as the delivery information described in the delivery slip does not conflict with the information stored in the purchaser's purchase content database, these two information are input to the settlement server and delivered You can check the contents of accounts receivable held by the trader.

Further, when the settlement server decides to purchase a receivable, the settlement server can determine the purchase rate according to a predetermined condition without purchasing the receivable at the face value. For example, taking into account factors such as the length of the period from the receivable receivable purchase date to the purchaser's payment date to the financial institution, the face value of the receivable, the frequency of use of the system by the supplier and the history of use, etc. Determine the purchase rate.

Further, in this system, if the desired purchase amount of the receivables exceeds the scheduled purchase amount of the financial institution, it is not desirable to continue the purchase process any more. When it is determined that the balance of the purchase fund account is insufficient according to the notification from the bank, it is preferable to stop accepting the purchase processing.

According to the present invention, the financial institution prepares its own purchase fund different from the purchaser's fund and purchases the accounts receivable of the supplier using this own purchase fund. However, financial institutions must procure the purchased funds themselves, and if the number of suppliers using this system increases, it is expected that the burden and risk of financing will increase. Therefore, from this point of view, a depositary account that temporarily collects the sales proceeds of the purchasers is set up, and when the supplier wishes to purchase the accounts receivable, the settlement server of the financial institution sets up this depositary account. , A transfer processing of the purchase price may be performed. In this way, if the sales of the purchaser are deposited and used to fund the purchase of accounts receivable, the financial institution will be free from the labor of procuring the purchaser's own funds, and the purchaser will go bankrupt. In this case, it is possible to avoid the risk that the receivables purchased may become uncollectible. Further, if it is a purchaser, the sales can be diverted for other purposes before the due date for payment to the supplier, and sound management can be achieved.

[0016] When a deposit account is provided to purchase the accounts receivable of a supplier as described above, the purchase price paid to the supplier is directly paid from the sales of the supplier, so the settlement server is fixed. Rather than invoice the purchaser for the total amount of receivables purchased during the period, add the total amount obtained by subtracting the actual purchase price from the total amount of receivables purchased, and use this as a fee to the purchaser. Billing information will be created. It should be noted that sending purchase information that has not been transferred within a predetermined period of time as unpaid accounts payable data to the purchase content database of the purchaser is the same as when a deposit account is provided.

[0017]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing a debt settlement system according to the present invention. FIG. 1 is a conceptual diagram showing a debt processing agency system of the present invention. This system acts as a substitute for debt processing between the supplier and the supplier that conducts the credit transaction, and is roughly based on the purchase content database of the supplier who has input multiple purchase information related to the products purchased in the credit transaction. And a settlement server of a financial institution having financial power.

It is possible for the above-mentioned financial institution to conclude a debt settlement agreement with a plurality of suppliers, and in order to clarify the agreement, FIG. Is represented. Many suppliers deliver goods to each supplier, and each supplier purchases goods from these suppliers by credit transactions. In FIG. 1, suppliers a1 and a2 are suppliers having a business relationship with supplier A,
The suppliers b1, b2, and b3 represent suppliers having a business relationship with the supplier B, and the supplier c1 represents a supplier having a business relationship with the supplier C. That is, supplier A
When the goods are delivered from the suppliers a1 and a2,
You have accounts payable to these suppliers. Conversely, the supplier a
1, a2 has a receivable from the supplier A.

The supplier who has received the goods from each supplier stores the purchase information in its own purchase contents database in order to manage the payment due date for the accounts payable generated by the delivery and to perform the payment processing. I do. As described above, there are a plurality of suppliers for each supplier, and products are delivered every moment, so a plurality of purchase information is accumulated in the purchase content database at any time. Will go on. Conventionally, information stored in the purchase content database is extracted on the date of purchase information set at a predetermined period such as the end of the month, for example, and each purchaser himself / herself based on the extracted information. The company had to pay accounts payable to suppliers with whom it did business.

In this system, the purchase information stored in the purchase contents database of each supplier is sent to the settlement server of the financial institution before the deadline, and the same purchase server as the purchase contents database is sent to the settlement server. I will enter the information. The transfer of the purchase information to the settlement server is preferably shorter than the interval of the cutoff date of the purchase information in each supplier, and more preferably is transferred every day, whereby the purchase information in the settlement server is It is always kept up to date.

FIG. 2 exemplifies the purchase information stored in the purchase content database of each supplier and the storage state of the data in the settlement server to which the purchase information has been transferred. In the purchase content database of the supplier A, the identification information of the supplier who performs the delivery and the breakdown of the delivery content of each supplier are described. The breakdown of the contents of delivery includes the date, quantity, unit price, total amount, and the like related to the delivery, and these information are recorded together with the slip number of the supplier. Naturally, there is a case where one supplier delivers different products at different dates and times.
With respect to 1, a plurality of different slip numbers are described in the purchase content database of the supplier A. In the settlement server of the financial institution that has received the purchase information from the suppliers A, B, and C, the purchase information is stored separately for each supplier. When the purchase information is transferred from each supplier to the settlement server every day, the purchase information, which can be called the accounts payable data, exists in the settlement server of the financial institution immediately after the delivery by the supplier. become.

As described above, in this system, immediately after the delivery by the supplier, the purchase information corresponding to the delivery exists in the settlement server of the financial institution. It becomes possible to grasp all the contents of accounts payable held by the trader. This allows
The delivery company can sell its own accounts receivable to the above-mentioned financial institution to a specific supplier without waiting for the purchaser to pay for the goods. For example, as shown in FIG. 3, when a supplier a1 having a business relationship with a supplier A proposes to sell the receivables related to his / her own slip numbers 008 and 021 to the above-mentioned financial institution, the financial institution becomes a supplier. By inputting the identification information of the receivable and the slip number of the supplier, the existence and the contents of the receivable can be immediately changed. The same applies to the case where the supplier b1 having a business relationship with the supplier B offers to sell his / her slip number 009.

Then, the settlement server is composed of suppliers a1 and b
If the existence of the receivables proposed in 1 is confirmed, the purchase of such receivables is determined, and the purchase amount is remitted to the above-mentioned suppliers a1 and b1 from the receivables purchased by the financial institution. . That is, the settlement server instructs the bank to transfer money from the purchase fund account to the suppliers a1 and b1, and completes the receivable purchase processing. The remittance instruction to the bank can be made directly from the settlement server using a telecommunication line such as the Internet.

In addition, the settlement server determines the purchase amount by, for example, the number of days from the date when the supplier proposes to sell the receivable to the scheduled payment date of the supplier for the receivable, the face value of the receivable, Based on the data input in advance to the settlement server, such as the business scale and financial status of the supplier who is the debtor of the receivable, the frequency of use of the system by the supplier who offered to sell the receivable, etc. Can be determined.

Further, if the balance of the purchase fund account of the financial institution is insufficient, it is impossible to perform the remittance processing to the supplier immediately after the purchase decision is made. The balance data is input in advance, and when it is determined that the bank balance is insufficient at the time of the purchase decision, the acceptance of the purchase processing is terminated without making the purchase decision.

It is also possible for the supplier to directly transmit the offer to sell the receivables to the settlement server by using a telecommunication line such as the Internet.
For example, a dedicated homepage (HP) is provided on the Internet for applying for the sale of the above-mentioned receivables, and a supplier who wishes to sell directly makes an offer to the HP from his own terminal. In the HP, enter the identification information to identify the supplier that has a business relationship with the supplier that has a debt settlement agency contract with the above financial institution, and the slip number of the receivable you want to sell I do. As a result, the settlement server can confirm the existence and the contents of the receivable, determine the purchase face value as described above, and present the purchase face value to the supplier on the HP. If the supplier understands the presented purchase face value, he or she inputs that fact on the HP, whereby a receivable purchase agreement is concluded. Thereafter, the settlement server immediately supports the remittance to the bank, and as a result, the supplier can immediately receive the commodity price.

In this way, the settlement server sends the receivable from the supplier to the purchase information (account payable data) stored within a predetermined period (for example, between x month xx day and y month yy day). It checks whether there is an offer to sell or not, and carries out a purchase process only for the offer. Then, when a certain purchase standby period has elapsed for the purchase information, the total amount of the receivables purchased is calculated for each supplier, and this is processed as collective billing data addressed to each supplier. . Further, the settlement server extracts purchase information corresponding to the accounts receivable that has not been offered for sale from the stored purchase information, and uses the extracted purchase information as unpaid accounts payable data. Return to supplier's purchase content database.

For example, as shown in FIG. 4, for purchase information corresponding to the slip numbers 008 and 021 of the supplier a1 who has made the purchase decision, the goods price (receivable receivable) described in these slips To obtain the consolidated billing data addressed to the supplier A. On the other hand, as for the purchase information corresponding to the slip number 003 of the supplier a1 for whom no offer for sale has been made, this is used as the unpaid accounts payable data. Send it back to supplier A's purchase content database. In addition, when a decision is made to purchase receivables for all of the plurality of pieces of purchase information provided by the supplier B, the total of the product price (receivables) described in these slips Becomes the collective billing data to the supplier B, and there is no payable payable data to be returned to the supplier B. Furthermore, if there is no offer to sell receivables with respect to a plurality of pieces of purchase information provided by the supplier C, collective billing data is not created and all purchase information is not paid. It is returned to the supplier C as accounts payable data.

That is, the supplier sends a plurality of data relating to the accounts payable to the settlement server of the financial institution, but the data received from the settlement server is a consolidated billing data in which data relating to several accounts payable are combined into one. And the remaining unpaid accounts payable data, and information is returned from the settlement server in a state where the data amount is reduced. As a result, the number of purchase information (accounts payable), which must be paid by itself, has been remarkably reduced from the point of view of the purchaser, and the payment processing can be reduced. Also, if all the suppliers in business relations with the supplier offer to sell the accounts receivable to the above-mentioned financial institution, data related to multiple accounts payable will be returned as one billing data. , The supplier only has to perform the payment processing only for the lump sum billing of the financial institution, which is necessary for the processing compared to the conventional case where payment processing was performed individually for multiple accounts payable Labor and cost can be drastically reduced.

Further, the settlement server can send back the data relating to the accounts payable payable to the suppliers in the form of individual purchase information, instead of sending them back to each supplier. For example, regarding the suppliers a1 and a2 having a business relationship with the supplier A, the total amount of the accounts payable payable to the supplier a1 and the total amount of the accounts payable payable to the supplier a2. In this way, by sending back the processed purchasing information to the purchasing content database of each supplier, the supplier uses the returned data,
It is possible to efficiently perform the payment processing of the remaining accounts payable.

FIG. 5 conceptually shows the situation. The purchaser provides a payment processing server linked to the purchase content database, and the unpaid accounts payable data sent back from the settlement server of the financial institution. Can be used as it is, and the payment of accounts payable, that is, the payment of the commodity price, to each supplier can be automatically processed. In the past, it was necessary for a supplier to extract multiple payable accounts payable for each supplier from the purchase contents database. By returning the total amount of the debt, payment processing can be performed more efficiently.

FIG. 6 is a timing chart showing the flow of information and cash when this system is used. For example, as shown in this figure, if a supplier delivers to a supplier immediately after the cut-off date of the voucher, the purchase information corresponding to the delivery will be immediately transferred to the financial It will be sent to the settlement server on the institution side. As a result, the financial institution can grasp the contents of the accounts payable incurred by the supplier, and the supplier who has delivered the above immediately after the purchase information is sent to the settlement server owns it. You can sell receivables to financial institutions and cash them. Conventionally, in such a case, it was not possible to receive the price of the delivered product for about two months (see FIG. 7), and it was necessary to procure working capital for the business during that period. However, in this system, it is possible to quickly sell its own accounts receivable to a financial institution that holds both the purchase information and funds of the supplier, collect the product price early, and use it as the next working capital. It can be used.

On the other hand, the purchaser sends the purchase information to the settlement server at the financial institution, and after a certain waiting period has elapsed, sends some purchase information (account payable data) from the settlement server. The consolidated billing data is received, and payment is made only to one financial institution instead of a plurality of suppliers at the same timing as the original payment date for accounts payable. Therefore, the supplier pays for the delivery at the same timing as the conventional payment date, so that the financial burden does not increase at all, and conversely, with the help of the data processing by the settlement server at the financial institution, As described above, the payment processing can be remarkably reduced.

FIG. 8 shows another example of the debt processing agency system of the present invention. In the above-described embodiment, the financial period held the purchase fund account by its own financial power, but in this embodiment, a deposit account is provided for each purchaser, and the sales of each purchaser are deposited in these deposit accounts. In this way, the financial institution uses the deposit account to purchase the accounts receivable that each supplier has applied for.
In other words, when the suppliers a1 and a2, who are delivering goods to the supplier A, apply to the financial institution to purchase the accounts receivable-receivable addressed to the supplier A, the financial institution receives the sales of the supplier A The remittance process is performed from the deposit account A constituted by the above to the suppliers a1 and a2. Further, when the supplier b1 or the like who is delivering the goods to the supplier B applies to the financial institution to purchase the receivables receivable to the supplier B, the financial institution uses the sales of the supplier B as the sales amount. The remittance processing is performed from the deposited account B to the supplier b1 or the like. In this case, the specific processing performed by the settlement server, that is, the collation work between the slip number that each supplier is offering to sell and the purchase content data is the same as in the above embodiment.

In recent years, a register placed at a retailer's retail store records sales data, and even if there are a plurality of retail stores, the sales amount of each store can be instantly determined. By referring to the sales data, the settlement server can easily determine how much money is pooled in the deposit account of each supplier. Therefore, by referring to the sales data of the purchaser, the settlement server can immediately determine whether or not the delivery trader can perform the purchase processing of the receivables applied for.

On the other hand, if a certain purchase standby period has elapsed for the purchase information stored in the settlement server, the settlement server calculates the total amount of the receivables purchased for each purchaser and calculates the actual amount of the receivables. The total purchase price is calculated, and the difference is processed as collective billing data to each supplier (see FIG. 9). In other words, if the purchase receivables of the delivery company are purchased from the sales pooled in the deposit account of each supplier, the cash paid to each supplier is the sales of the supplier and the financial institution is the supplier. This is because it is merely acting as a payment service for the company. Therefore, the above-mentioned deduction amount is a fee for the financial institution. However, even if such a fee is charged to the purchaser, the purchaser will not pay more than the accounts payable held by the purchaser, and there is no disadvantage compared to the case where the purchaser handles the payment itself. It does not occur.

In this case, the settlement server extracts, from the stored purchase information, purchase information corresponding to the receivable that has not been offered for sale, and transfers the extracted purchase information to the unpaid account. The data is returned to the purchase contents database of each supplier as accounts payable data. This is exactly the same as when a financial institution buys and sells receivables based on its own funds. Therefore, in the embodiment shown in FIG. 8 as well, the number of purchase information (accounts payable), which must be paid by itself, has been significantly reduced from the viewpoint of the purchaser, and a plurality of accounts payable have to be paid. As compared with the conventional case where payment processing is individually performed, human labor and costs required for the processing can be dramatically reduced.

In the above description, an example in which the present system is applied to a credit transaction between a delivery company and a purchaser has been described. However, the present system can be similarly applied.

[0039]

As described above, according to the debt processing agency system of the present invention, a large number of purchase information sent from the purchase content database on the purchaser side to the settlement server on the financial institution has a large amount of money. The data is returned in two forms, one for the billing data and the other for the payables not included in the billing data. It is possible to reduce human labor and achieve cost reduction in the payment processing of the purchase price without any additional burden, and to be relieved from the burden of procuring funds for the payment of accounts payable at an early stage.

Further, from the day when the purchase information of the purchaser is sent to the settlement server of the financial institution, the supplier can sell the receivables held by the purchaser to the financial institution and convert it into cash. The payment can be collected before the payment date of the receivable (account receivable), and flexible financing can be performed independently without financing by borrowing or the like.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing a debt processing agency system of the present invention.

FIG. 2 is a diagram showing purchase information recorded in a purchase content database of each purchaser and purchase information stored in a settlement server on the financial institution side.

FIG. 3 is a conceptual diagram showing a process of purchasing a receivable in a settlement server.

FIG. 4 is a diagram showing a configuration of data returned from a settlement server to a purchase content database on the purchaser side.

FIG. 5 is a conceptual diagram showing payment processing on the supplier side using data returned from the settlement server.

FIG. 6 is a timing chart showing a flow of information and cash in a credit transaction using the present system.

FIG. 7 is a timing chart illustrating a flow of payment processing in a conventional credit transaction.

FIG. 8 is a conceptual diagram showing another embodiment of the debt processing agency system of the present invention.

9 is a diagram showing a configuration of data returned from the settlement server to a purchase content database on the purchaser side in the embodiment of FIG. 8;

Claims (8)

[Claims] Claims: 1. A purchaser's purchase content database to which a plurality of purchase information relating to commodities purchased in a credit transaction is input, and a financial institution's settlement server linked to the purchase fund account. While the purchase information stored in the purchase content database is periodically transferred to the financial institution side server and updated, an offer to sell the receivable corresponding to one of the purchase information is received from the supplier of the above product. If the payment is made to the financial institution, the settlement server of the financial institution determines the purchase of the receivables and transfers the purchase price from the purchase fund account to the supplier, and within a certain period of time. The total amount of the receivables purchased in the above is summed up to create billing information from the financial institution to the above-mentioned purchaser, and the transfer processing is performed within a predetermined period. A debt processing agency system characterized by transmitting missing purchase information as unpaid accounts payable data to a purchase content database of a purchaser. 2. When the offer of the supplier for the sale of the receivable is input to the settlement server, the settlement server checks the content of the input receivable with the pre-stored purchase information, and 2. The debt processing agency system according to claim 1, wherein the purchase processing of the receivable is determined and the transfer processing is performed only when there is purchase information to be provided. 3. The purchaser has a payment processing server that performs payment processing to the supplier at predetermined intervals based on information in a purchase content database, and the payment processing server is sent back from the financial institution. 3. The debt processing agency system according to claim 1, wherein payment processing is performed based on the contents of the outstanding accounts payable data. 4. The debt as claimed in claim 1, wherein the offer of the supplier for the sale of the receivable is input to a settlement server of the financial institution via a telecommunication line. Processing agency system. Claim 5: The offer regarding the sale of the receivables is:
5. The debt processing agency system according to claim 4, comprising identification information of the supplier and a delivery slip number of the supplier. 6. The debt processing agency system according to claim 2, wherein when the settlement server decides to purchase the receivable, the settlement server decides a purchase rate for the face value of the receivable according to predetermined conditions. 7. The debt processing agency system according to claim 2, wherein the settlement server stops the purchase processing of the receivable when the desired purchase amount exceeds the planned purchase amount. 8. A purchaser's purchase content database to which a plurality of purchase information related to products purchased in a credit transaction are input, and a financial institution's settlement server linked to a depositary account in which the purchaser's sales are collected. The purchase information stored in the purchase content database on the purchaser side is periodically transferred and updated to the financial institution server, while the sales of accounts receivable corresponding to one of the purchase information is included. In the event that an offer is made to the financial institution by the supplier of the product, the settlement server of the financial institution decides to purchase the receivables and transfers the purchase price from the deposit account to the supplier. And the total amount of commissions obtained by subtracting the total purchase price from the total accounts receivable purchased within a certain period, and A debt processing agency system that creates billing information addressed to a trader and sends back purchase information that has not been transferred within a predetermined period to a purchaser's purchase content database as unpaid accounts payable data.