JP2006119783A - Fluidization business proxy system for bulk factoring - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To construct a business proxy system capable of introducing bulk factoring to an enterprise in which an extreme amount is lacking by syndicating a transferred accounts receivable corresponding to the amount of money exceeding the extreme amount of a financial institution to the enterprise into which bulk factoring is introduced by an institutional investor. <P>SOLUTION: When a business proxy company is notified of information of accounts receivable to be transferred to the financial institution by bulk factoring, the business proxy system subtracts an early tender amount based on notes receivable discount separately applied from a payment enterprise to the business proxy company from the total amount of transferred accounts receivable exceeding the extreme amount set by the financial institution, calculates syndication, determines the transferred accounts receivable to be syndicated with the institutional investor and an interest rate to be utilized for interest payment on the basis of previously determined setting, and requests the institutional investor to execute the transfer of the syndication. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for realizing collective factoring that enables payment to a financial institution in a lump. In particular, the present invention relates to information processing technology that supports corporate settlement in collective factoring and that financial institutions that have purchased accounts receivable from receivable companies reassign receivables to institutional investors.

  Financial institutions have been issuing payment companies to paying companies so far as companies (hereinafter referred to as paying companies) transfer accounts receivables for their own companies to financial institutions as a strategy for trapping settlement operations. We are advancing the introduction of a batch factoring scheme that eliminates bills and makes payments to financial institutions all at once, thereby reducing the administrative costs of payments. By providing this scheme to the paying company, the financial institution not only captures the payment settlement business of the paying company, but also sells the sales transferred by the delivering company before the settlement date of the accounts receivable (equivalent to the maturity date of the bill). A financial institution can obtain a discount fee by requesting early cashization (hereinafter referred to as a discount) of a credit and a financial institution responding to this request. Credit risk of accounts receivable transferred through lump factoring is not dependent on the company that owns accounts receivable, but only on the paying company that is the debtor of accounts receivable. There is an advantage that management is not necessary.

  Because of these merits, the lump factoring scheme is currently rapidly expanding the market, but some financial institutions do not have sufficient contract and administrative know-how and system initial investment funds to provide lump sum factoring to paying companies. is there. For this reason, instead of financial institutions, there are administrative agency companies that perform system outsourcing and administrative agency. Due to the existence of this administrative agency, the scope of financial institutions providing collective factoring to companies extends from traditional city banks to regional banks.

  In particular, regional banks are promoting the introduction of lump factoring for the purpose of defending business partner paying companies in their business areas from city banks, but credit risks such as when large-scale loans have already been provided to paying companies. In some cases, the upper limit of the total amount of accounts receivable of a supplier company that can be purchased for a company that provides lump factoring due to management problems (hereinafter, this amount is called an extreme amount) may be limited. For this reason, the problem which the payment company which provides collective factoring becomes very limited has arisen. However, for a local bank, even if it is a paying company that exceeds the maximum amount, if it is a remote local bank that does not compete with the local bank, the amount of the maximum amount for the paying company can be set sufficiently. It is also possible to purchase excess receivables and raise interest fee income. There is no administrative agency system that realizes such needs complementation between regional banks.

  In a paying company that introduces lump factoring, the paying company assigns the receivables from the due date (equivalent to the date of the draft of the bills) to the financial institution in the same way as when the paying company pays the bills. There is a grace period for payment until the settlement date (equivalent to the maturity date of the bill), in which payments of trade receivables are collectively made to financial institutions that have transferred the receivables. Some paying companies adopting lump factoring leave this grace period as it is for the paying company and, when surplus cash is generated, pay the debt to the receivables transferred to the financial institution early, There is a need to improve financial indicators through off-balance sheet debt and to obtain interest income from financial institutions through early repayment. This early reimbursement has already been provided as a bundled factoring additional service by some financial institutions, but in order for the paying company to reimburse early, the financial institution will require additional cash deposits and the paying company will receive additional cash. There is the problem of having to deposit.

  In addition, although paying companies that have introduced collective factoring can abolish bills of payment, there is still bill management work for bills received through payments from business partners. Some financial institutions are in charge of collecting bills receivable. However, if the debts for lump sum factoring can be repaid early with the discounted bills, it is necessary to make an extra cash deposit as described above. In addition, it is possible to reduce the balance sheet of companies by early cashing of bills receivable, but there is no financial institution that provides such functions. In particular, in Patent Document 1, a financial institution is seeking a syndicate.

JP 2004-102990 A

  Introduction and payment of lump sum factoring to paying companies that are extremely short of the amount by institutional investors syndicating accounts receivable in excess of the maximum amount for paying companies of financial institutions that promote lump factoring Financial services that allow financial institutions to provide collective agency services for bills receivable by companies, and for paying companies to improve financial indicators through early repayment of lump-sum factoring obligations through discounts on bills receivable. It is an object of the present invention to construct such a clerical agency system that an institution can provide at low cost.

  The present invention detects that a certain amount of factoring receivables exceeds a certain amount such as a credit line on behalf of a receivable purchase financial institution in collective factoring, and with respect to the purchase participation to a predetermined purchasing organization via the network for the surplus amount Notify inquiry notification. More specifically, the credit facility of the receivable purchasing organization is stored in advance, the factoring receivable amount of the receivable purchasing organization is calculated when a predetermined condition is satisfied, and the calculated factoring receivable amount is compared with the credit facility, When the limit is exceeded, a purchase participation inquiry notification about the amount exceeding the amount used is sent to a computer used by a predetermined purchasing organization via the network.

  Moreover, the following aspects are also included in the present invention. Regarding the amount of factoring receivables, separately from the total amount of receivables transferred that exceed the extreme amount set by the financial institution when the information on the receivables transferred from the delivering company to the financial institution is notified to the administrative agency by collective factoring, Subtracting the early repayment amount by the discounted bill receivable applied for by the administrative agency from the paying company, calculating the syndication amount, and calculating the transferred receivables and interest payments that are syndicated with the institutional investors by a preset method. Decide the interest rate to be used, and request institutional investors to execute syndication transfers.

  According to the present invention, it is possible to more easily execute information processing related to batch factoring.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 shows an overall view of an embodiment of the invention, and an overall image of the embodiment is described according to steps.

  Example 1 is shown in (Steps 1-1 to 1-19). In the first embodiment, in the collective factoring in which the payment company (103) pays the payment company (103) to the financial institution (102) and the payment company (103) makes a payment to the financial institution (102) in a lump sum. Institutional investment that exceeds the maximum amount that the institution (102) can purchase from the paying company (103) of the paying company (104) when the actual amount of receivable purchases is exceeded The processing of the office agency (101) when transferring to the house (106), that is, performing syndication, is mainly shown. At this time, the early repayment amount made using the discount price of the bills receivable of the paying company (103) of Example 2 is reflected in the syndication amount.

(Step 1-1) The institutional investor (106) registers the conditions related to syndication with the administrative agency (101).
(Step 1-2) The paying company (103) purchases the product from the delivery company (104), and the accounts receivable from the delivery company (104) to the paying company (103) is generated.
(Step 1-3) The above receivable data is sent from the paying company (103) to the administrative agency (101).
(Step 1-4) The administrative agency company (101) notifies the account receivable details transferred to the delivery company (104).
(Step 1-5) An early repayment process for the receivables from the paying company (103) to the paying company (104) is performed at the administrative agency company (101) by the bill receivable discount price.
(Step 1-6) The administrative agency company (101) subtracts the extreme amount and the early reimbursement amount from the total amount of receivables of the delivering company (104) to determine the syndication amount, and the receivable of the delivering company (104) subject to syndication To decide.
(Step 1-7) The syndication process is performed at the office agency company (101).
(Step 1-8) The administrative agency (101) refers to the syndication conditions and the syndication offer rate of the financial institution (102), and extracts institutional investors (106).
(Step 1-9) The administrative agency company (101) notifies the institutional investor (106) of the information of the syndicated loan and confirms whether or not the syndication is performed.
(Step 1-10) When the execution of syndication is confirmed, the administrative agency company (101) sends syndication fee transfer instruction data to the institutional investor (106). The institutional investor (106) transfers the syndicated money to the financial institution (step 1-11). The administrative agency (101) receives a discount request for the receivables transferred from the supplier company.
(Step 1-12) Sending the transfer data of the discount price for the delivery company (104) to the financial institution (102) (Step 1-13) The financial institution (102) discounts the delivery company using the transfer data Transfer the price.
(Step 1-14) The administrative agency company (101) calculates the payment amount on the settlement date of the collective factoring of the paying company (103) based on the early repayment amount by the discount price of the bills receivable,
(Step 1-15) The due payment amount is notified to the paying company (103) via the financial institution (102).
(Step 1-16) The paying company (103) pays the payables in a lump sum on the settlement date (Step 1-17) The administrative agency (101) is the institutional investor (102) who participated in the syndication (102) 106) (step 1-18) The administrative agency company (101) sends principal and interest transfer data for institutional investors (106) to the financial institution (102).
(Step 1-19) The financial institution (102) transfers the principal and interest to the institutional investor (106).
In (Steps 2-1 to 2-8), “Example 2” is shown. Mainly the flow that the administrative agency (101) processes when the paying company (103) pays down the bills receivable by the paying company (103) for early payment of the collective factoring debt that the paying company (103) bears on the financial institution (102) It is shown.

(Step 2-1) The paying company (103) receives a bill from the business partner company as payment of the delivery.
(Step 2-2) The financial institution (102) collects bills receivable from the paying company.
(Step 2-3) The financial institution (102) confirms the format of the collected bill of receipt and seals the endorsement, creates detailed data, and collects the bill on the date of the bill on behalf of the paying company (103).
(Step 2-4) The financial institution (102) sends the created bill details data to the office agency (101).
(Step 2-5) The administrative agency company (101) sends the bill detail data (including the collection result) to the paying company (103).
(Step 2-6) When the paying company (103) makes an early repayment of the debt to be paid to the financial institution (102) by collective factoring, which will be described later, with the price discounted on the bills receivable, the administrative agent company (101) to that effect Apply for.
(Step 2-7) When early reimbursement is applied, the administrative agent company (101) pays the lump sum factoring debt that the paying company (103) bears to the financial institution (102) by discounting the bill receivable and the early reimbursement Reduce the amount of interest generated.
(Step 2-8) If the customer company (105) is a bill maker, the settlement fee of the bill is deducted from the current account of the customer company (105) to the financial institution (102).

FIG. 2 shows a system configuration diagram of the office agency system (201) of the office agency company (101).
The office agency system (201) is connected to a financial institution (102), a payment company (103), a delivery company (104), and an institutional investor (106) via a network unit (202). The network realizes electronic communication means such as telephone, FAX and E-mail via public telephone line and Internet network. Hereinafter, the communication means of the office proxy system (201) is not particularly limited, but all electronic communication means and communication means such as mail can be considered. The office proxy system (201) includes a data transmission / reception unit (2012), a processing unit (2011), an input / output unit (203), and a master DB (204) connected to a network unit (202). Master DB (204) is a delivery company master DB (2041), payment company master DB (2042), bond management master DB (2043), institutional investor master DB (2044), syndication for each financial institution (102) acting on behalf It consists of a management master DB (2045), a syndication condition master DB (2046), a bill receivable management master DB (2047), a bill receivable discount condition master DB (2048), and a financial institution account master DB (2049).

  FIG. 10 shows the configuration of the delivery company master DB (2041). For each paying company No. 5001, paying company name 5002, address 5003, FAX 5004, e-mail 5005, discount method 5006 (payment of all accounts receivable transferred by paying company (104) to financial institution (102) by batch factoring by automatic processing (Describes whether the discount method is a lump sum on the due date (batch method) or a method for discounting an arbitrary amount on the application date until the settlement date (individual method)). Bank account information (bank code 5007, branch code 5008, account holder 5009) is stored.

  FIG. 11 shows the configuration of the payment company master DB (2042). For each paying company No. 5101, paying company name 5102, address 5102, FAX 5103, E-mail 5105, transfer account information of discounted bills (bank code 5106, branch code 5107, account holder 5108), extreme amount 5109 (financial institution ( 102) set by the paying company (103) for the paying company (103) and the upper limit of the sum of accounts receivable that can be purchased from the delivering company (104), syndication target institutional investors 5110 (syndication selected in advance by the financial institution (102)) Institutional Investors No.), Syndicated Offer Rate Individuals 5111 and Lumps 5112 (Institutional Investors (106) in which the receivables subject to syndication by the financial institution (102) are set separately according to individual method or collective method) Interest rate value used for interest payment calculation for syndication).

  FIG. 12 shows the configuration of the claim management master DB (2043). Accounts receivable transferred to each paying company No. 5201: Delivery company No. 5202, Claim number 5203, Payment date 5204, Settlement date 5203, Claim amount 5206, Claim status 5207, and Early payment amount made by paying company (103) 208, the early repayment interest 5209 (interest paid by the financial institution (102) to the paying company (103) generated by the early repayment) is stored.

  FIG. 13 shows the configuration of the institutional investor master DB (2044). Stores institutional investor No 5301, institutional investor name 5302, address 5303, FAX 5304, E-mail 5306, and transfer account information (bank code 5305, branch code 5306, account holder 5307) to which the principal and interest of syndication is transferred. .

  FIG. 14 shows the configuration of the syndication management master DB (2045). For each paying company No 5401, the total amount of receivable 5402 (total amount of receivables transferred from the delivering company (104) to the financial institution (102)), the excessive amount 5403 (total amount of receivable 5402-extreme amount 5109) Value), syndication amount 5404 (the amount determined by syndication of institutional investors (106) after reducing the early reimbursement amount by 5208 minutes from the excessive amount), and institutional investors who decided to syndicate ( 106) Syndication Participating Investor Information (Institutional Investor No 5405, Purchase Price 5406 (for Syndication), Applicable Interest Rate 5407 (for Interest Payment Calculation), Status 5408 (For Institutional Investor (106)), Site 5409, Principal Interest 5410) Is stored.

  FIG. 15 shows the configuration of the syndication condition master DB (2046). For each institutional investor No 5501, paying company No. 5502, purchase lower limit 5503 (for syndication), reduction amount for purchase 5504 (for syndication), interest rate lower limit 5505-5508 (for institutional investors (106) depending on syndication) (Minimum interest value for interest payment calculation of syndication).

  FIG. 16 shows the configuration of the bill of exchange management master DB (2047). For each paying company No5601, bill No. 5602 (printed on the bill note), bill issuer No. 5603, transferor name 5604, bill withdrawal date 5605, bill maturity date 5606, site 5607, bill face value 5608, discount amount 569, discount available A balance 5610, a discount fee 5611, a status 5612, and a cumulative discount amount 5613 are stored.

  FIG. 17 shows the structure of the bill receivable discount master DB (2048). For each paying company No. 5701, bill maker information (drawer No. 5702, business type code 5703, (credit information agency) rating 5704) and discount fee rates 5705 to 5708 for each site are stored.

  FIG. 18 shows the configuration of the financial institution account master DB (2049). Transfer account information (bank code 5802, branch code 5803, account holder 5804) to which the transfer of syndication money from the institutional investor (106) is performed for each financial institution No is stored.

Next, detailed processing of the first embodiment will be described with reference to the flowcharts of FIGS.
Here, the batch factoring process is described in detail with a minimum description and mainly related to syndication.

  When the system is introduced or at any time (when predetermined conditions are met), the extreme amount 5109, which is the upper limit of the total amount of receivables of the delivering company (104) that the financial institution (102) takes over by collective factoring, and the target of syndication Information on syndication offer rates, which are interest rates used when calculating interest payments to investors 5110 and institutional investors (106), is determined as syndication conditions and notified to the administrative agency (101) (step 301). The administrative agency company (101) registers the extreme amount 5109, the syndication target institutional investor 5110, and the syndication offer rates 5111 and 5112 in the payment company master DB (2042) (step 302). The investor (106) sets the minimum interest rate and minimum purchase amount of receivables purchased through syndication, and the minimum interest rate (minimum interest rate according to syndication) corresponding to the receivables site (the period from the due date of the purchased receivable to the settlement date). Notification is made to the office agency (101) as a syndication purchase condition (step 303). The administrative agency (101) registers the above syndication purchase conditions (the purchase lower limit 5503, the purchase upper limit 5504, the interest lower limit 5505-5508) in the syndication condition master DB (2046) for each investor No 5551 and paying company No 5502. (Step 304).

  The payment company (103) notifies the administrative agency company (101) of the receivable data for the delivery company (104) subject to the batch factoring (step 305) a few days before the payment date of the batch factoring (payment transfer date).

  The administrative agency company (101) registers the above-mentioned receivable data (payment company No. 5201, delivery company No. 5202, receivable number 5203, payment date 5204, settlement date 5205, receivable amount 5206) in the receivable management master DB (2043) (step 306). . The administrative agency system (201) refers to the extreme amount 5109 of the paying company master DB (2042), and the total amount of receivable 5402, which is the total sum of the receivable amounts 5206 of the receivable management master DB (2043), and the total receivable amount 5402. Then, the amount obtained by subtracting the extreme amount 5109 is registered in the syndication management master DB (2045) as the excessive amount excess amount 5403 (step 307). The administrative agent system (201) refers to the sum total of the discount amount 5610 of the bill receivable management master DB (2047), and reduces it from the above excessive amount 5403 (step 308).

  The administrative agency system (201) refers to the discount method 5006 of the supplier company master DB (2041), and the receivables of the supplier company (104) who selected individual (a method for discounting within an arbitrary period from the payment date to the settlement date). About extracted receivables extracted from receivables with small receivables until the total amount of receivables 5206 in management master DB (2043) does not exceed (total amount of sum of extreme excess 5403-discount amount 5610) “Syndication” is entered into the claim status 5207 in the claim management master DB (2043) (step 309). The total amount of the extracted receivable amount 5206 is registered in the syndication management master (2045) as a syndication amount 5404 (step 310). However, if (total amount of extreme excess 5403-sum of discount amount 5610) exceeds the total amount of receivables subject to the individual method, syndication in order from the smallest amount of receivables subject to collective discount on the due date It is also possible to make additional settings such as targeting.

  For the institutional investor 5110 registered in the paying company master DB (2042), the administrative agency system (201) has a period (hereinafter referred to as a site) from the due date 5204 to the settlement date 5205 in the claim management master DB (2043). Refer to the lowest lower interest rate limit 5505 to 5508 in the corresponding syndication condition master DB (2046). If the interest rate is lower than the syndication offer rate 5111 of the paying company master DB (2042), the corresponding institutional investor is adopted and the purchase limit amount 5504 of the institutional investor No 5501 of the syndication condition master DB (2046) is full. The purchase amount 5406 is allocated, and the value obtained by subtracting the purchase amount 5406 from the syndication amount is applied to the next institutional investor (106). Institutional investor No 5405, purchase amount 5406, applicable interest rate (interest selected in 5505-5508), and site 5409 are registered in the syndication management master DB (2045). This operation is repeated until the syndication amount 5404 reaches 0. When the syndication amount becomes less than the lower purchase limit amount 5503 of the last institutional investor (106), the processing is stopped, and the total purchase amount 5406 allocated. The amount is re-registered in the syndication amount 5404 (step 311). However, if there is a lump sum subject to the syndicated receivables, the discount fee of the financial institution (102) by discount is higher than the individual discount. Variations such as extracting the institutional investor (106) using the offer rate 5112 are also conceivable.

  When the total value of the purchase amount 5406 of the institutional investor (106) reaches the syndication amount 5404 (step 312), the administrative agency system (201) refers to the institutional investor master DB (2044), and syndication management master DB Syndication offer information (payment company name 5102, purchase amount 5405, payment date 5204, settlement) in the contact information such as FAX 5304, E-Mail 5305 of the institutional investor master DB (2044) corresponding to institutional investor No 5405 extracted in (2045) Day 5205 · applicable interest rate 5407) (step 323).

  The institutional investor (106) confirms syndication offer information (step 324), decides to implement syndication, and notifies the administrative agency (101) (step 325).

  The administrative agency system (201) confirms the notification, and the institutional investor (106) makes a transfer consisting of the transfer amount corresponding to the purchase amount 5406 and the transfer account information 5802-5804 of the financial institution account master DB (2049). Data is created (step 326) and notified to the institutional investor (106) and the financial institution (102) (step 327). The institutional investor (106) that has received the transfer data inputs the transfer data to the bank account system of the bank and executes the transfer (step 328). The financial institution (102) confirms the payment from the institutional investor (106) with reference to the transfer data received in advance from the administrative agency system, and notifies the administrative agency (101) of the confirmation (step 329). The administrative agency system (201) receives the notification and registers “payment confirmation” in the status 5408 of the syndication management master DB (2045) for the institutional investor (106) who has confirmed the payment (step 330).

  If the total value of the purchase amount 5406 of the institutional investor (106) does not reach the syndication amount 5404 (step 312), the administrative agency system (201) has insufficient purchase of the institutional investor (106), and the syndication amount 5404- Until the total value of the purchase amount 5406 is reached, in accordance with the settings previously decided between the administrative agency (101) and the financial institution (102) (in the order of the amount of receivable 5206 from the individual method subject receivables in ascending order) Extract the receivables, register “refusal to buy” in the receivable status 5207 of the receivable management master DB (2043) of the relevant receivables, and extract the extracted receivables in the receivable management master DB (2043) to the financial institution (102). The shortage purchase details data consisting of the number 5203 and the receivable amount 5206 is notified (step 31). ).

  The financial institution (102) accepts purchase shortage loan details data (step 314). When the financial institution (102) further increases the syndicated offer rate to encourage the purchase of institutional investors (step 315), the newly established syndicated offer rate is notified to the administrative agency (101) (step 321). The office agency company (101) that has received the notification changes and registers the syndication offer rates 5111 and 5112 of the payment company master DB (2042) (step 322).

  If the financial institution (102) does not change the syndicated offer rate (step 314) and refuses to transfer the receivable from the delivery company (104), a payment is made indicating that the receivable transfer will not be accepted with the shortage of purchase details attached. The company (103) and the office agency company (101) are notified (step 316). The paying company (103) having received the notification (step 317) pays to the paying company (104), which is not a batch factoring method, but by means such as cash and bills (step 317). The administrative agency (101) receives the notification (step 319), deletes the receivable information in the receivable management master DB (2043) that is the subject of the shortage of purchase, and the total receivable amount in the syndication master DB (2045) 5402 and the excessive excess amount 5403 are also reduced for the deleted claims (step 320).

  When the settlement date of the receivable transferred from the delivery company (104) to the financial institution (102) comes, the paying company (103) pays the transferred receivable to the financial institution (102) (step 331). The financial institution (102) confirms the payment and notifies the office agency (101) (step 332). Upon receipt of the notification, the administrative agent system (201) changes the receivable status 5207 of the receivable management master DB (2043) to “collection complete” for the receivable receivable (step 333). The administrative agency system (201) calculates and registers the purchase amount 5406 of the syndication management master DB (2045), the applicable interest rate 5407, the principal interest amount 5410 that the financial institution (102) should pay from the site 5409 to the institutional investor (106), Based on this information, the institutional investor (106) is notified of the calculation of principal and interest (step 334). The principal and interest amount 5410 is used as the transfer amount, and the transfer destination information 5306 to 54308 of the institutional investor master DB (2044) is used. The transfer data configured is created and notified to the financial institution (102) (step 335). Receiving the transfer data, the financial institution (102) inputs the transfer data into its bank account system and executes the transfer (step 336). The institutional investor (106) confirms the payment based on the calculation of principal and interest, and notifies the administrative agency (101) that the payment has been confirmed (step 337). Upon receipt of the notification, the administrative agent system (201) registers “end” in the status 5408 of the institutional investor No 5405 of the syndication management master (2045).

  Next, details of the second embodiment will be described with reference to flowcharts of FIGS.

  The financial institution (102) receives in advance the company information of the bill drafter from the paying company (103), and receives the corporate score information / site (settlement date from the date of bill draft) The discount fee rate corresponding to the site is determined by an original calculation method from information such as the period of time (up to the period), and notified to the administrative agency company (101) (step 401).

The office agent system (201) that has received the above notification registers information in the maker No. 5702, the industry code 5703, the grade 5704, and the discount fee rate 5705 to 5708 in the bill of exchange discount condition master DB (2048) (step 402).
The paying company (103) receiving the bill from the business partner company (105) sends the bill of receipt to the financial institution (102) (step 403). The financial institution (102) receives the sent bill (step 404), confirms the form of the bill (step 405), and prepares a bill such as an endorsement of the bill (step 406). After that, bill detail data consisting of the bill number, bill maker number, transferor name, bill date, bill maturity date, site, bill face value is created (step 407) and sent to the office agency company (101). (Step 409). The administrative agency system (201) receives the bill details data in the bill management master DB (2047), paying company No. 5601, bill no. 5602, bill drawer No. 5603, assignee name 5604, bill draft date 5605, bill expiry date 5606, site 5607 Register with the bill face value 5608 (step 409). The office agency system (201) notifies the paying bill (103) of the registered bill details data (step 410), and the bill bill data is received (step 411). The bill of exchange information is registered in the system or the like and used for revocation (step 412).

  A few days before the due date of the receivables of the delivery company (104) transferred by batch factoring, the payment company (103) creates the receivable data of the delivery company (104) and sends it to the administrative agency company (101) (step) 413). When the office agency company (101) receives the bond data and performs the batch factoring process (step 414), the office agency system (201) refers to the bill maker No. 5603 and the site of the bill management master DB (2047), The applicable discount fees 5705 to 5708 of the bill receivable discount master DB (2048) are extracted, the discountable amount of the bills as of the due date is calculated, and the discountable balance 5609 of the note receivable management master DB (2047) Register the amount. This process is performed for all bill information (step 415).

  The office proxy system (201) notifies the paying company (103) of the bill receivable information and the discountable balance details data (step 416). The paying company (103) receives and confirms the detailed data (step 417).

  If the paying company (103) determines not to give a discount with the discount amount indicated in the above detailed data (step 418), it notifies the administrative agency company (101) (step 419), and the administrative agency company ( 101) accepts the notification (step 420).

If the paying company (103) determines that a discount is to be made with the discount amount indicated in the detailed data (step 418), the paying company (103) generated by collective factoring with cash generated by further discounting the bills received. ) To pay the accounts payable (debt to the paying company (103) held by the delivering company (104)). If it is determined that early reimbursement will not be performed (step 421), the bills to be discounted are designated one by one, or the desired discount amount is designated and notified to the administrative agency (101) (step 422). . The office agency company (101) receives the notification (step 423).
When the bill is designated, the administrative agency system (201) uses the designated bill, and when the discount amount is designated, the value of the discount fees 5705 to 5708 to which the bill maturity date 5606 is applied most recently is calculated. A small bill is extracted, and a bill to be discounted is extracted so that the discount fee is minimized. For the extracted bills, the discount fee 5611 of the bill management master DB (2047) is calculated from the site 5607, discount amount 5609, discount fee rate 5705-5708, and the balance that can be discounted is the sum of the discount fee 5611 and the discount amount 5609 Reduced from 5610 and registered for change. Based on this information, the administrative agency system (201) creates a discount execution statement composed of bill NO. 5602, discount amount 5609, discountable balance 5611, discount fee 5611, etc. in the bill receivable management database (2047). 102) (step 425). After the financial institution (102) confirms and notifies (step 425), the administrative agency system (201) notifies the paying company (103) of the discount execution statement (step 428), and the paying company (103) receives the discount execution statement. Is accepted and confirmed (step 428)
The administrative agency system (201) includes a transfer amount that is the sum of sums of discount amounts 5609 of discounted bills, transfer account information 5106 to 5108 of the paying company master DB (2042), and a transfer account of the financial institution account master DB (2049). The transfer data using the information 5802-5804 as the transfer person information is created and notified to the financial institution (102) (step 429). The financial institution (102) inputs the transfer data to the banking system of the bank on the due date and executes the transfer (step 441). The paying company (103) checks the deposit amount against the discount execution statement (step 442). The financial institution (102) notifies the administrative agency (101) that the transfer has been executed (step 444),
The administrative agent system (201) registers the discount completion in the status 5612 of the received bill management master DB (2047) for the bill for which the discount has been completed, reduces the amount of the discount amount 5609 to 0, and adds it to the cumulative total amount 5613. . Here, the administrative agency system (201) creates statement data consisting of a bill of note NO5602 with a discountable balance 5610 of 0 and a bill face value 5608 and notifies the paying company (103) (step 445). The paying company (103) that has received the notification (step 446) uses the bill of the detailed data for revocation of the in-house account / bills management system.

  If the paying company (103) determines that the early reimbursement will be made in (Step 421), the bills to be discounted are designated one by one, or the desired discount amount is designated and the administrative agency (101) is designated. Notification is made (step 430). The office agency company (101) receives the notification (step 431), extracts the bills to be discounted in the same manner as described above, and notifies the creation financial institution (102) of the discount execution statement (step 432). After the financial institution (102) confirms and notifies (step 433), the administrative agency system (201) notifies the paying company (103) of the discount execution statement (step 435), and the paying company (103) receives the discount execution statement. Is received and confirmed (step 436). On the due date of the receivables subject to collective factoring, the administrative agency company (101) uses the total amount of the discount amount 5609, which is the target of the current month's discount in the note receivable management master DB (2047), as the early repayment amount, and the receivable management master DB (2043). ) To the early repayment amount 5208, calculate a predetermined interest rate until the settlement date (102), and register the amount in the early repayment interest rate 5209 (step 437).

The clerical agency system (201) notifies the paying company (103) of the bill data that has been discounted, and detailed data comprising the early repayment amount 5208 and the early repayment interest rate 5209. The paying company (103) receives the detailed data (step 439), and reflects it in its own accounts receivable / bills management system and executes the imprisonment. (Step 440)
On the maturity date of the bill, the financial institution (102) brings the bill into the bill exchange (step 448), confirms the payment (step 449), and notifies the office agency (101) (step 450). The clerical agency system (201) registers “collection completed” in the status 5612 of the received bill management DB (2047) for the bill whose payment has been confirmed (step 451), and the bill no. 5602 and bill face value of the bill that has been collected. 5608 and the like are created and notified to the paying company (103) (step 452). The paying company (103) receives the detailed data (step 453) and sends it to the in-house accounts receivable / bill management system. Reflecting and erasing are performed (step 454).

  The settlement agent system (201) subtracts the sum of the sum of the early repayment amount 5208 and the early repayment interest rate 5209 from the sum of the sum of the amount of receivables 5206 in the claim management master DB (2043) several days before the settlement date of the receivables subject to collective factoring. The detailed data for which the net payment amount has been calculated is notified to the paying company (103) and the financial institution (102) (step 455). The paying company (103) and the financial institution (102) receive and confirm the detailed data (steps 456 and 457).

  The payment company (103) transfers the payment amount to the financial institution (102) (step 458) on the settlement date, and the financial institution (102) confirms the payment against the above details (step 459).

According to the embodiments of the present invention described above, the following effects can be obtained.
Institutional investors can syndicate credits that exceed the maximum amount for paying companies of financial institutions that promote collective factoring, enabling financial institutions to introduce bulk factoring to paying companies that are extremely short As a result, it becomes possible to increase the discount fee revenue by enclosing the payment settlement business of the paying company and discounting the accounts receivable of the paying company, and to provide services at low cost by the administrative agency system.
The paying company can repay the lump sum factoring debt early with the discount price of the bills receivable, improve the financial indicators, and reduce the interest income and the administrative costs of the payment / receipt bills by early repayment.

Overall view of functional configuration in an embodiment of the present invention Configuration diagram of the administrative agency system Flow chart of a clerical agency system for syndication of receivables subject to collective factoring (Part 1) Flow chart of administrative agency system for syndication of receivables subject to collective factoring (Part 2) Flow chart of administrative agency system for syndication of receivables subject to collective factoring (Part 3) Flow chart of the administrative agency system for early payment processing of lump-sum factoring obligations with bill discounts on bills receivable (1) Flow chart of the administrative agency system that processes early payment of lump sum factoring debt with bill discount of bills receivable (part 2) Flow chart of administrative agency system for early repayment of lump sum factoring debt with bill discount of bills receivable (part 3) Flow chart of administrative agency system for early repayment of lump sum factoring debt with bills of bills receivable (4) Delivery company master database Payment company master database Accounts receivable master database Institutional Investor Master DB Syndication management master DB Syndication condition master DB Bills receivable master database Bills receivable master data DB Financial institution account master DB

Explanation of symbols

101: Administrative agency company 102: Financial institution (factor, agent)
103: Payment company (obligor)
104: Supplier (original creditor)
105: Business partner company 106: Institutional investors (buyer)

Claims (3)

A plurality of institutional investor devices used by each of a plurality of institutional investors and a receivable purchase institution device used by a receivable purchasing organization having the collective factoring receivable, performing information processing related to the collective factoring receivable; In the connected administrative agency system,
Means for storing a credit line in the receivable purchasing organization;
Means for receiving a claim amount of the collective factoring in the claim buying agency from the claim buying agency device;
Means for comparing the credit amount with the claim amount;
As a result of the comparison, when it is detected that the amount of receivable exceeds the credit amount, the plurality of institutional investor devices have means for notifying a purchase participation inquiry about the amount of receivable exceeding the amount. An administrative agency system characterized by that. In the office work agency system according to claim 1,
The notifying means executes the notification to an institutional investor apparatus of an institutional investor that satisfies a predetermined condition including a predetermined interest rate of the bond. In the office work agency system in any one of Claim 2,
The notifying means notifies the purchase inquiry including an amount to be paid by each institutional investor.

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