JP2021033762A - Factoring server, method for factoring, and factoring program - Google Patents
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Abstract
Description
本開示は、ファクタリングサーバ、ファクタリング方法及びファクタリングプログラムに関する。 The present disclosure relates to factoring servers, factoring methods and factoring programs.
商取引の世界では、取引によって生じた売掛債権を早期に現金化し、資金調達を行う方法であるファクタリングが多く用いられている。 In the world of commerce, factoring, which is a method of raising funds by quickly cashing accounts receivable generated by transactions, is often used.
例えば、特許文献１は、ファクタリングにより売掛債権を買取る手続をコンピュータシステムで実現することにより、人手による事務負担の削減を図りつつ売掛債権を迅速に買い取る方法が開示されている。 For example, Patent Document 1 discloses a method of promptly purchasing accounts receivable while reducing the administrative burden by hand by realizing a procedure for purchasing accounts receivable by factoring with a computer system.
しかし、特許文献１は、商取引の世界で一般的に行われている売掛債権のファクタリングによる取引をコンピュータシステムにより実現しているにすぎない。例えば、売掛債権が発生する可能性があるが未発生である時点において、迅速に債権の買取を行う方法については言及されていない。 However, Patent Document 1 merely realizes a transaction by factoring accounts receivable, which is generally performed in the world of commercial transactions, by a computer system. For example, there is no mention of a method of promptly purchasing receivables when accounts receivable may occur but have not yet occurred.
本開示は、このような課題を解決するためになされたもので、将来発生する可能性のある売掛債権や納品が未了である売掛債権についてもファクタリングによる取引の対象とするファクタリングサーバを提供することを目的とする。 This disclosure is made to solve such problems, and the factoring server that is the target of factoring transactions for accounts receivable that may occur in the future and accounts receivable that have not been delivered yet. The purpose is to provide.
上記目的を達成するため、本開示の第１の観点に係るファクタリングサーバは、債権者と債務者の取引によって生じた売掛債権について、債権者に関する債権者基本情報、債務者に関する債務者基本情報、売掛債権の証憑書類に関する取引情報を取得する基本情報取得部と、債権者の審査情報である債権者審査情報、債務者の審査情報である債務者審査情報、取引情報の審査情報である取引審査情報を取得する審査情報取得部と、売掛債権買取処理を実行する買取実行部とを備え、買取実行部は、将来債権の買取を取扱うこと、を特徴とする。 In order to achieve the above object, the factoring server according to the first aspect of the present disclosure refers to the basic creditor information regarding the creditor and the basic debtor information regarding the debtor regarding the accounts receivable generated by the transaction between the creditor and the debtor. , The basic information acquisition department that acquires transaction information related to voucher documents of accounts receivable, creditor examination information that is creditor examination information, debtor examination information that is debtor examination information, and transaction information examination information. It is characterized by having an examination information acquisition department for acquiring transaction examination information and a purchase execution department for executing accounts receivable purchase processing, and the purchase execution department handles future purchases of creditors.
また、上記目的を達成するため、本開示の第２の観点に係るファクタリング方法は、債権者と債務者の取引によって生じた売掛債権について、債権者に関する債権者基本情報、債務者に関する債務者基本情報、売掛債権の証憑書類に関する取引情報を取得する基本情報取得ステップと、債権者の審査情報である債権者審査情報、債務者の審査情報である債務者審査情報、取引情報の審査情報である取引審査情報を取得する審査情報取得ステップと、売掛債権買取処理を実行する買取実行ステップとを備え、買取実行ステップは、将来債権の買取を取扱うこと、を特徴とする。 In addition, in order to achieve the above objectives, the factoring method according to the second aspect of the present disclosure is to obtain basic creditor information on creditors and debtors on debtors for accounts receivable generated by transactions between creditors and debtors. Basic information, basic information acquisition step to acquire transaction information related to voucher documents of accounts receivable, creditor examination information which is creditor examination information, debtor examination information which is debtor examination information, examination information of transaction information The purchase execution step is characterized in that it includes an examination information acquisition step for acquiring transaction examination information and a purchase execution step for executing the accounts receivable purchase process, and the purchase execution step handles the purchase of future creditors.
また、上記目的を達成するため、本開示の第３の観点に係るプログラムは、コンピュータを、債権者と債務者の取引によって生じた売掛債権について、債権者に関する債権者基本情報、債務者に関する債務者基本情報、売掛債権の証憑書類に関する取引情報を取得する基本情報取得手段、債権者の審査情報である債権者審査情報、債務者の審査情報である債務者審査情報、取引情報の審査情報である取引審査情報を取得する審査情報取手段、売掛債権買取処理を実行する買取実行手段として備え、買取実行手段は、将来債権の買取を取扱うこと、として機能させる。 In addition, in order to achieve the above objectives, the program according to the third aspect of the present disclosure uses a computer for accounts receivable generated by transactions between creditors and debtors, basic creditor information regarding creditors, and debtors. Debtor basic information, basic information acquisition means for acquiring transaction information related to voucher documents of accounts receivable, creditor examination information which is creditor examination information, debtor examination information which is debtor examination information, examination of transaction information It is provided as an examination information collection means for acquiring transaction examination information which is information and a purchase execution means for executing the accounts receivable purchase process, and the purchase execution means functions as handling the purchase of future creditors.
本開示によれば、ファクタリングによる売掛債権の買取に際して、将来発生する可能性のある売掛債権も買取を可能とすることで、迅速に売掛債権を現金化することを可能とする。これにより、事業における支払いサイトの短縮、あるいは資金調達の多様化を図り、経済活動の貢献に資することが期待できる。 According to the present disclosure, when the accounts receivable are purchased by factoring, the accounts receivable that may occur in the future can also be purchased, so that the accounts receivable can be quickly monetized. This can be expected to contribute to economic activities by shortening payment sites in business or diversifying financing.
以下、本開示の実施形態について図面を参照して説明する。なお、以下に説明する実施形態は、特許請求の範囲に記載された本開示の内容を不当に限定するものではない。また、実施形態に示される構成要素のすべてが、本開示の必須の構成要素であるとは限らない。 Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. The embodiments described below do not unreasonably limit the contents of the present disclosure described in the claims. Also, not all of the components shown in the embodiments are essential components of the present disclosure.
＜全体の構成＞
図１に示すように、本実施形態に係るファクタリングシステム１は、ファクタリングサーバ１００と、それぞれ異なる利用者によって使用される一つ以上の通信端末２００とを備える。なお、利用者とは、ここではファクタリングサーバ１００を利用する者、すなわちファクタリングを希望し売掛債権の買取を申し込む者を指す。また、利用者とは、売掛債権の債権者でもある。
<Overall configuration>
As shown in FIG. 1, the factoring system 1 according to the present embodiment includes a factoring server 100 and one or more communication terminals 200 used by different users. The user here refers to a person who uses the factoring server 100, that is, a person who desires factoring and applies for the purchase of accounts receivable. The user is also a creditor of accounts receivable.
ファクタリングサーバ１００と、通信端末２００とは、ネットワークＮＷを介して通信可能に接続される。ネットワークＮＷは、ＷＡＮ（World Area Network）、ＬＡＮ（Local Area Network）等から構成される。ファクタリングシステム１は、利用者にファクタリングサービスを提供する。 The factoring server 100 and the communication terminal 200 are communicably connected via the network NW. The network NW is composed of WAN (World Area Network), LAN (Local Area Network) and the like. The factoring system 1 provides a factoring service to the user.
ファクタリングサーバ１００は、ファクタリングサービス提供事業者によって管理される。ファクタリングサーバ１００は、債権の買取受付、債権の買取実行等を行う。債権とは、ここでは、主に売掛債権を指す。利用者は、ファクタリングサービス提供事業者に対して、利用者が債権者となる売掛債権の買取を申し込む。また、売掛債権とは、既に発生している売掛債権のみならず、今後発生する可能性のある売掛債権や、売買の合意がされたが納品や検収が未了である売掛債権を含めてもよい。ここでは、今後発生する可能性のある売掛債権と、納品や検収が未了である売掛債権を合わせて将来債権として示す。さらに、ここでいう売掛債権には、債務者が破産、民事再生等の法的手続を開始し、または支払不能、支払停止、銀行取引停止、私的再生手続等実質的に破綻し、または、支払日を経過してもいまだ支払いがなされていない、いわゆる事故債権を含めてもよい。 The factoring server 100 is managed by the factoring service provider. The factoring server 100 accepts the purchase of receivables, executes the purchase of receivables, and the like. Receivables here mainly refer to accounts receivable. The user applies to the factoring service provider to purchase the accounts receivable for which the user is the creditor. In addition, accounts receivable are not only accounts receivable that have already been generated, but also accounts receivable that may occur in the future, and accounts receivable that have been agreed to buy and sell but have not been delivered or accepted. May be included. Here, the accounts receivable that may occur in the future and the accounts receivable that have not been delivered or accepted are shown as future receivables. Furthermore, with respect to the accounts receivable referred to here, the debtor has started legal proceedings such as bankruptcy and civil rehabilitation, or has become substantially insolvent, such as insolvency, suspension of payment, suspension of bank transactions, and private rehabilitation proceedings, or , So-called accident claims that have not yet been paid after the payment date has passed may be included.
通信端末２００は、債権の買取を希望する利用者によって使用される。通信端末２００は、例えば、パーソナルコンピュータ、タブレット端末、スマートフォン等の通信機能を有する端末装置である。なお、通信端末２００は、利用者が所有する端末装置であってもよいし、ファクタリングサービス提供事業者に設置される端末装置であってもよい。 The communication terminal 200 is used by a user who wishes to purchase a bond. The communication terminal 200 is, for example, a terminal device having a communication function such as a personal computer, a tablet terminal, or a smartphone. The communication terminal 200 may be a terminal device owned by the user or a terminal device installed by the factoring service provider.
＜サーバ装置の構成＞
以下、ファクタリングサーバ１００の構成を詳細に説明する。図２に示すように、ファクタリングサーバ１００は、他の装置と通信を行う通信部１１０と、各種データを記憶する記憶部１２０と、装置全体の制御を行う制御部１３０とを備える。これらの構成要素は、バスラインＢＬによって相互に接続される。
<Server device configuration>
Hereinafter, the configuration of the factoring server 100 will be described in detail. As shown in FIG. 2, the factoring server 100 includes a communication unit 110 that communicates with other devices, a storage unit 120 that stores various data, and a control unit 130 that controls the entire device. These components are interconnected by a bus line BL.
通信部１１０は、有線通信又は無線通信を行うためのＮＩＣ（Network Interface Card controller）を備える通信インターフェースである。通信部１１０は、ネットワークＮＷを介して、通信端末２００と通信を行う。 The communication unit 110 is a communication interface including a NIC (Network Interface Card controller) for performing wired communication or wireless communication. The communication unit 110 communicates with the communication terminal 200 via the network NW.
記憶部１２０は、ＲＡＭ（Random Access Memory）、ＲＯＭ（Read Only Memory）等から構成される。記憶部１２０は、各種制御処理を実行するためのプログラム、各種データ等を記憶する。 The storage unit 120 is composed of a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. The storage unit 120 stores programs for executing various control processes, various data, and the like.
記憶部１２０は、後述する基本情報を記憶する基本情報ＤＢ（基本情報データベース）１２１、後述する審査情報を記憶する審査情報ＤＢ（審査情報データベース）１２２を含む。 The storage unit 120 includes a basic information DB (basic information database) 121 that stores basic information described later, and an examination information DB (examination information database) 122 that stores examination information described later.
制御部１３０は、ＣＰＵ（Central Processing Unit）等から構成される。制御部１３０は、記憶部１２０に記憶されているプログラムを実行することにより、ファクタリングサーバ１００の全体の動作を制御する。 The control unit 130 is composed of a CPU (Central Processing Unit) and the like. The control unit 130 controls the overall operation of the factoring server 100 by executing the program stored in the storage unit 120.
以下、制御部１３０の機能的な構成を説明する。制御部１３０は、基本情報取得部１３１、審査情報取得部１３２、買取実行部１３３として機能する。 Hereinafter, the functional configuration of the control unit 130 will be described. The control unit 130 functions as a basic information acquisition unit 131, an examination information acquisition unit 132, and a purchase execution unit 133.
基本情報取得部１３１は、通信部１１０、通信端末２００を介して利用者から基本情報を取得する。基本情報とは、買取対象である売掛債権の債権者に関する債権者基本情報、債務者に関する債務者基本情報、売掛債権の証憑書類に関する取引情報から成る。 The basic information acquisition unit 131 acquires basic information from the user via the communication unit 110 and the communication terminal 200. The basic information consists of basic creditor information regarding the creditors of the accounts receivable to be purchased, basic debtor information regarding the debtor, and transaction information regarding the voucher documents of the accounts receivable.
債権者基本情報とは、債権者の名称、所在地、代表者、資本金、電話番号、メールアドレスなどの企業情報、債権者の担当者の他、決算書、税務申告書等財務情報などの情報を含む。債権者基本情報は、これらの情報のいずれか一部であってもよいし、これ以外の情報を含んでもよい。 Creditor basic information includes corporate information such as the name, location, representative, capital, telephone number, and email address of the creditor, the person in charge of the creditor, as well as financial information such as financial statements and tax returns. including. The creditor basic information may be a part of any one of these information, or may include other information.
債務者基本情報とは、債務者の名称、所在地、代表者、資本金、電話番号、メールアドレスなどの企業情報、債務者の担当者の他、決算書、税務申告書等財務情報などの情報を含む。債務者基本情報は、これらの情報のいずれか一部であってもよいし、これ以外の情報を含んでもよい。 Debtor basic information includes corporate information such as the debtor's name, location, representative, capital, telephone number, and email address, the person in charge of the debtor, as well as financial information such as financial statements and tax returns. including. The debtor basic information may be a part of any one of these information, or may include other information.
取引情報とは、売掛債権の証憑書類に関する情報である。証憑書類とは、売掛債権に関する見積書、発注書、契約書、受注確認書、納品書、受領書、請求書などの書類を指す。ただし、証憑書類とは、これらの形式にこだわるものではなく、売掛債権に関する契約の意思表示がされた書面・電子データを幅広く含むものである。また、取引情報とは、証憑書類の有無、証憑書類の発行者の署名又は押印の有無、証憑書類の作成日、納品日、支払日の記載の有無や既に納品がされているかなどの情報を指す。 Transaction information is information related to voucher documents for accounts receivable. Voucher documents refer to documents such as quotations, purchase orders, contracts, order confirmations, invoices, receipts, and invoices related to accounts receivable. However, the voucher document does not stick to these formats, but includes a wide range of written and electronic data indicating the intention of the contract regarding accounts receivable. In addition, transaction information includes information such as the presence or absence of a voucher document, the presence or absence of a signature or seal of the voucher document issuer, the date of creation of the voucher document, the date of delivery, the presence or absence of a payment date, and whether or not the voucher has already been delivered. Point.
審査情報取得部１３２は、審査情報を取得する。審査情報には、債権者に関する債権者審査情報、債務者に関する債務者審査情報、取引情報に関する取引審査情報が含まれる。 The examination information acquisition unit 132 acquires examination information. The examination information includes creditor examination information regarding creditors, debtor examination information regarding debtors, and transaction examination information regarding transaction information.
債権者審査情報とは、債権者の審査情報であり、債権者基本情報に基づいて、債権者及び債権者の代表者がＷＥＢページ、出版物、テレビ・ラジオやＳＮＳなど各種メディアで発信している情報、第三者がＷＥＢページ、出版物、テレビ・ラジオやＳＮＳなど各種メディアで発信している債権者及び債権者の代表者に関する情報、行政庁により公表されている債権者及び債権者の代表者に関する、信用調査会社における債権者及び債権者の代表者に関する情報や評価、ファクタリングサービス提供事業者の審査部によってなされた評価などを含む。債権者審査情報は、これらの情報のいずれか一部であってもよいし、これ以外の情報を含んでもよい。 Creditor examination information is creditor examination information, and based on the creditor basic information, the creditor and the representative of the creditor send it on various media such as WEB pages, publications, TV / radio and SNS. Information about creditors and representatives of creditors published by third parties on various media such as WEB pages, publications, TV / radio and SNS, creditors and creditors published by the administrative agency. Includes information and evaluations of creditors and creditor representatives at creditors, and evaluations made by the review department of factoring service providers. The creditor examination information may be a part of any one of these information, or may include other information.
債務者審査情報とは、債務者の審査情報であり、債務者基本情報に基づいて、債権者及び債権者の代表者がＷＥＢページ、出版物、テレビ・ラジオやＳＮＳなど各種メディアで発信している情報、第三者がＷＥＢページ、出版物、テレビ・ラジオやＳＮＳなど各種メディアで発信している債務者及び債務者の代表者に関する情報、行政庁により公表されている債務者及び債務者の代表者に関する、信用調査会社における債務者及び債務者の代表者に関する情報や評価、ファクタリングサービス提供事業者の審査部によってなされた評価などを含む。債務者審査情報は、これらの情報のいずれか一部であってもよいし、これ以外の情報を含んでもよい。 Debtor examination information is the examination information of the debtor, and based on the basic information of the debtor, the creditor and the representative of the creditor send it on various media such as WEB page, publication, TV / radio and SNS. Information about debtors and representatives of debtors published by third parties on various media such as WEB pages, publications, TV / radio and SNS, debtors and debtors published by the administrative agency Includes information and evaluations about the representatives of the debtor and the debtor's representatives at the credit research company, and evaluations made by the review department of the factoring service provider. The debtor examination information may be a part of any one of these information, or may include other information.
取引審査情報とは、取引情報に関する審査情報である。取引情報において、証憑書類が存在するか、その証憑書類に署名又は押印があるか、売掛債権の発生の根拠となる契約の合意が読み取れるか、などを基礎とした契約の有効性の評価に関する情報、売掛債権の反対債権である商品の引渡しは既に履行されているか、支払日の合意がされているか、支払日が既に経過しているか、などを基礎とした売掛債権を行使する際の障害事由の評価に関する情報などである。 Transaction examination information is examination information related to transaction information. Regarding the evaluation of the validity of a contract based on whether the voucher document exists, whether the voucher document has a signature or seal, and whether the agreement of the contract that is the basis for the generation of accounts receivable can be read in the transaction information. When exercising accounts receivable based on information, whether the delivery of the product, which is the opposite of the accounts receivable, has already been fulfilled, whether the payment date has been agreed, whether the payment date has already passed, etc. Information on the evaluation of the reasons for failure.
買取実行部１３３は、売掛債権の買取処理を実行する。買取実行部１３３は、審査情報に基づく格付に応じて、買取可能な売掛債権を制御する。例えば、債権者審査情報及び／又は債務者審査情報に基づく格付に応じて、取引情報の充足具合、すなわち証憑書類がどこまで揃っているかに応じて、売掛債権買取処理実行の可否を制御してよい。具体的には、債権者審査情報及び／又は債務者審査情報に基づく格付が高ければ、見積書のみでも売掛債権の買取を実行し、格付が低ければ、見積書に加えて、納品書、請求書まで充足しなければ売掛債権の買取実行を不可としてもよい。すなわち、債権者審査情報及び／又は債務者審査情報に基づく格付に応じて、売掛債権買取処理のための必要書類を制御してもよい。 The purchase execution unit 133 executes the purchase process of the accounts receivable. The purchase execution unit 133 controls the accounts receivable that can be purchased according to the rating based on the examination information. For example, depending on the creditor examination information and / or the rating based on the debtor examination information, it is possible to control whether or not the accounts receivable purchase process can be executed according to the degree of satisfaction of the transaction information, that is, the extent to which the voucher documents are prepared. Good. Specifically, if the rating based on the creditor examination information and / or the debtor examination information is high, the purchase of accounts receivable is executed only with the quotation, and if the rating is low, the delivery note, in addition to the quotation, If the invoice is not satisfied, the purchase of accounts receivable may not be possible. That is, the necessary documents for the receivables purchase process may be controlled according to the creditor examination information and / or the rating based on the debtor examination information.
買取実行部１３３は、例えば、審査情報に基づく格付が一定値以上であれば、未発生であるが将来発生する蓋然性のあり、又は納品や検収が未了である将来債権や、債務者が実質的に破綻し、又は支払日が経過しても支払がなされていない事故債権などの買取を行ってもよい。なお、買取可能な売掛債権の制御に際しては、全ての審査情報を用いず、例えば債権者審査情報のみに基づくなど一部の審査情報の格付に基づいて制御を行ってもよい。 For example, if the rating based on the examination information is equal to or higher than a certain value, the purchase execution unit 133 indicates that future claims that have not occurred but are likely to occur in the future, or future claims that have not been delivered or accepted, or debtors are real. You may purchase accident claims that have gone bankrupt or have not been paid even after the payment date has passed. When controlling the accounts receivable that can be purchased, all the examination information may not be used, and the control may be performed based on the rating of some examination information, for example, based only on the creditor examination information.
また、買取実行部１３３は、例えば、債権者審査情報・債務者審査情報・取引審査情報の３種類の審査情報の総合点に基づき、格付をしてもよい。格付が高いほど信用が高いことを示し、格付が高いほど取扱う債権の種類が増す。格付が第１閾値以上であるときは、確定債権だけでなく、将来債権や事故債権の買取を行ってもよい。また、第２閾値以上第１閾値未満であるときは、確定債権に加え、事故債権の買取を行ってもよい。さらに、第２閾値未満であるときは、確定債権の買取のみを行ってもよい。 Further, the purchase execution unit 133 may make a rating based on, for example, a total score of three types of examination information: creditor examination information, debtor examination information, and transaction examination information. The higher the rating, the higher the credit, and the higher the rating, the greater the types of receivables handled. When the rating is equal to or higher than the first threshold value, not only fixed claims but also future claims and accident claims may be purchased. Further, when it is equal to or more than the second threshold value and less than the first threshold value, the accident claim may be purchased in addition to the fixed claim. Further, when it is less than the second threshold value, only the fixed loan may be purchased.
買取実行部１３３は、売掛債権の買取を可能と判断した際には、審査情報に基づく格付けに応じて、売掛債権の買取に要する手数料を併せて決定してもよい。例えば、格付の高い売掛債権であれば、債権回収が実現できる可能性が高いため、手数料を低くし、格付の低い売掛債権であれば、手数料を高くしてもよい。 When the purchase execution unit 133 determines that the purchase of the accounts receivable is possible, the purchase execution unit 133 may also determine the commission required for the purchase of the accounts receivable according to the rating based on the examination information. For example, if the receivables have a high rating, there is a high possibility that the receivables can be collected. Therefore, the fee may be lowered, and if the receivables have a low rating, the fees may be increased.
＜記憶部が記憶する情報の具体例＞
図３に基本情報ＤＢが記憶する債権者基本情報の具体例を示す。債権者基本情報は、債権者を識別するためのＩＤ（例えば、I000101）とともに、債権者の名称（例えば、イロハ）、所在地（例えば、東京都千代田区x-x-x）、代表者の氏名（例えば、鈴木太郎）、資本金（例えば、1000万円）、電話番号（例えば、03-xxxx-xxxx）、メールアドレス（例えば、info@iroha.co.jp）、決算書（例えば、決算書をドキュメントファイルで記憶しＤＢ上にはI0001012018.pdfなどそのファイル名を記憶する）などの情報から構成され、データベースではこれらの情報を記憶する。
<Specific example of information stored in the storage unit>
FIG. 3 shows a specific example of the creditor basic information stored in the basic information DB. The basic creditor information includes an ID for identifying the creditor (for example, I000101), the name of the creditor (for example, Iroha), the location (for example, xxx in Chiyoda-ku, Tokyo), and the name of the representative (for example, Suzuki). Taro), capital (for example, 10 million yen), telephone number (for example, 03-xxxx-xxxx), email address (for example, info@iroha.co.jp), financial statements (for example, financial statements in a document file) It is stored and is composed of information such as I0001012018.pdf and the file name is stored in the DB), and the database stores this information.
基本情報ＤＢが記憶する債務者基本情報も債権者基本情報と同様な構成としてよい。但し、債権者基本情報とは異なる債務者独自の情報を記憶する場合には、これ以外の情報を含めてデータベースを構築してもよい。 The debtor basic information stored in the basic information DB may have the same structure as the creditor basic information. However, if the debtor's own information different from the creditor's basic information is stored, the database may be constructed including other information.
図４に基本情報ＤＢが記憶する取引基本情報の具体例を示す。取引基本情報では、売掛債権を識別するための取引ＩＤ（例えば、T000001）とともに、当事者を確定するための債権者のＩＤ（例えば、I000101）と債務者のＩＤ（例えば、I100105）から構成される。その他に、売掛債権を特定するための、売掛債権額（例えば、300万円）、売買契約の締結日（例えば、2019年4月1日）、納品日（例えば、2019年5月30日）、支払日（2019年7月31日）、当事者間で交わされている書類の情報（例えば、発注書（押印あり）納品書（押印あり）受領書（押印あり）請求書（押印あり））から構成される。 FIG. 4 shows a specific example of the basic transaction information stored in the basic information DB. The basic transaction information consists of a transaction ID (for example, T000001) for identifying accounts receivable, a creditor ID (for example, I000101) for determining a party, and a debtor ID (for example, I100105). To. In addition, the amount of accounts receivable (for example, 3 million yen), the date of conclusion of the sales contract (for example, April 1, 2019), and the date of delivery (for example, May 30, 2019) for identifying the accounts receivable. Date), payment date (July 31, 2019), information on documents exchanged between the parties (for example, purchase order (with seal) invoice (with seal) receipt (with seal) invoice (with seal) )) Consists of.
図５に審査情報ＤＢが記憶する債権者審査情報の具体例を示す。債権者審査情報は、債権者を識別するＩＤ（例えば、I000101）の他、債権者基本情報をもとに収集した公開情報（例えば、ＵＲＬなど公開先を記憶したり、その内容をテキストファイルやドキュメントファイルで記憶する）、調査会社による評点（例えば100点中の50点）やファクタリングサービス提供会社の審査部による評価（例えばＡＢＣＤＥの５段階評価のうちのＣ）などから構成される。 FIG. 5 shows a specific example of the creditor examination information stored in the examination information DB. The creditor examination information includes an ID that identifies the creditor (for example, I000101) and public information collected based on the basic creditor information (for example, a URL or other disclosure destination is stored, and the contents are stored in a text file or the like. It consists of a score by a research company (for example, 50 out of 100) and an evaluation by the examination department of a factoring service provider (for example, C out of ABCDE's five-grade evaluation).
審査情報ＤＢが記憶する債務者審査情報も債権者審査情報と同様な構成としてよい。但し、債権者審査情報とは異なる債務者独自の情報を記憶する場合には、これ以外の情報を含めてデータベースを構築してもよい。 The debtor examination information stored in the examination information DB may have the same structure as the creditor examination information. However, if the debtor's own information different from the creditor examination information is stored, the database may be constructed including other information.
図６に審査情報ＤＢが記憶する取引審査情報の具体例を示す。取引審査情報は、売掛債権を識別する取引ＩＤ（例えば、T000001）の他、契約の有効性に関する情報（例えば、相手方の契約の合意を裏付ける「押印済発注書あり」など）、権利行使の障害事由（例えば、反対債権の給付を既に受けており権利行使の障害事由がないことを裏付ける「押印済受領書あり」など）などから構成される。 FIG. 6 shows a specific example of the transaction examination information stored in the examination information DB. Transaction examination information includes transaction IDs that identify accounts receivable (for example, T000001), information on the validity of contracts (for example, "with a stamped purchase order" that supports the agreement of the other party's contract), and exercise of rights. It consists of reasons for disability (for example, "there is a stamped receipt" that confirms that the person has already received the benefit of the counterclaim and there is no reason for disability in exercising the right).
＜売掛債権の買取処理実行の具体例＞
（債権の買取処理の制御）
買取実行部１３３は、審査情報に基づく格付に応じて、買取可能な売掛債権を制御する。ファクタリングサーバ１００は、例えば、通常の売掛債権である確定債権の他、将来発生する蓋然性のあり、又は納品や検収が未了である将来債権や、債務者が実質的に破綻し、又は支払日が経過しても支払がなされていない事故債権などを取り扱ってもよい。
<Specific example of execution of purchase processing of accounts receivable>
(Control of purchase processing of receivables)
The purchase execution unit 133 controls the accounts receivable that can be purchased according to the rating based on the examination information. In the factoring server 100, for example, in addition to fixed receivables that are ordinary accounts receivable, future receivables that are likely to occur in the future or that have not been delivered or accepted, or debtors are substantially insolvent or paid. You may handle accident claims that have not been paid even after the passage of time.
買取実行部１３３は、例えば、審査情報に基づく格付に応じて、買取可能な売掛債権を制御する。審査情報に基づく格付をＡ〜Ｅの５段階（Ａが高くＥが低い）で評価したときに、例えば、第１閾値をＡとして定め、格付がＡであれば、確定債権のみならず将来債権及び事故債権の買取を認め、第２閾値をＣとして定め、格付Ｃ以上Ａ未満であれば、確定債権のみならず事故債権の買取を認め、第３閾値をＤとして定め、格付がＤ以上Ｃ未満であれば、確定債権の買取を認める、という制御を行う。 The purchase execution unit 133 controls, for example, the accounts receivable that can be purchased according to the rating based on the examination information. When the rating based on the examination information is evaluated on a scale of 5 from A to E (A is high and E is low), for example, if the first threshold is set as A and the rating is A, not only fixed claims but also future claims And the purchase of accident claims is permitted, the second threshold is set as C, and if the rating is C or more and less than A, the purchase of not only fixed claims but also accident claims is permitted, the third threshold is set as D, and the rating is D or more and C. If it is less than, the purchase of fixed receivables is permitted.
買取可能な売掛債権を制御することは、裏を返せば、債権の買取にいかなる証憑書類を要求するかということになる。例えば、債権者の格付が第１閾値以上となるＡであれば、将来債権、事故債権を含む全ての種類の債権の買取を認めるため、見積書、発注書、受注確認書、納品書、受領書のいずれかが提出されることをもって債権の買取を認めてもよい。もちろん、売掛債権に関する請求書が提出されてもよい。 Controlling the receivables that can be purchased is, on the flip side, what voucher documents are required to purchase the receivables. For example, if the creditor's rating is A, which is equal to or higher than the first threshold value, a quotation, purchase order, order confirmation, delivery note, and receipt will be accepted in order to approve the purchase of all types of claims including future claims and accident claims. The purchase of the claim may be approved by submitting one of the documents. Of course, an invoice for accounts receivable may be submitted.
さらに、将来債権においても、売掛債権を回収できる確実性の高さで言えば、納品書、受注確認書、発注書、見積書の順となる。したがって、例えば格付Ａの中にも、さらにＡ＋＋、Ａ＋、Ａ、Ａ−という４段階の格付を行い、第１閾値をＡ＋＋として、Ａ＋＋以上のときは見積書のみで債権の買取を認め、第２閾値をＡ＋として、Ａ＋以上Ａ＋＋未満のときは発注書により債権の買取を認め、第３閾値をＡとして、Ａ以上Ａ＋未満のときは受注確認書により債権の買取を認め、Ａ未満のときは納品書により債権の買取を認めるという制御を行ってもよい。 Furthermore, in terms of future receivables, in terms of the degree of certainty that accounts receivable can be collected, the order is delivery note, order confirmation, purchase order, and quotation. Therefore, for example, a rating of A ++, A +, A, and A- is further given to the rating A, the first threshold value is A ++, and when it is A ++ or higher, the purchase of the claim is permitted only by the quotation. 2 When the threshold is A + and less than A + and less than A ++, the purchase of receivables is permitted by the purchase order, when the third threshold is A and more than A and less than A +, the purchase of receivables is permitted by the order confirmation, and when it is less than A May control the purchase of receivables by means of a delivery note.
債権者の格付が第２閾値以上となるＣであれば、事故債権及び確定債権の買取を認めるため、売掛債権に関する請求書が提出されることをもって債権の買取を認めてもよい。なお、事故債権の買取に際しては、別途の書類、例えば、債権譲渡登記を行うための債権譲渡登記委任状などの書類を別途要請してもよい。 If the creditor's rating is C, which is equal to or higher than the second threshold value, the purchase of the receivables may be permitted by submitting an invoice regarding the accounts receivable in order to approve the purchase of the accident receivables and the fixed receivables. When purchasing an accident claim, a separate document, for example, a document such as a claim transfer registration power of attorney for registering the transfer of the claim may be requested separately.
債権者の格付が第３閾値以上となるＤであれば、確定債権の買取のみを認める。したがって、売掛債権に関する請求書が提出されることをもって債権の買取を認めてもよい。 If the creditor's rating is D, which is equal to or higher than the third threshold, only the purchase of fixed claims is permitted. Therefore, the purchase of receivables may be approved by submitting an invoice for accounts receivable.
買取実行部１３３は、売掛債権の買取処理を実行するに際して、審査情報全てを総合的に加味してもよいし、債権者審査情報のみ、債務者審査情報のみ、取引審査情報のみ、あるいはこれら二つの組合せ、あるいは一部に重みを置いて格付の評価を行ってもよい。例えば、事故債権の買取に際しては、破産手続においていかなる配当が得られるかなどが買取に際して重要な判断要素ともなるため、債務者審査情報に重きを置いて買取の可否を制御してもよい。また、例えば、証憑書類の押印の有無なども加味して買取の可否を制御してもよい。 The purchase execution unit 133 may comprehensively consider all the examination information when executing the purchase process of the accounts receivable, or only the creditor examination information, the debtor examination information only, the transaction examination information only, or these. Ratings may be evaluated in combination of the two or with some weight. For example, when purchasing an accident claim, what kind of dividend can be obtained in the bankruptcy proceedings is an important judgment factor in the purchase, so it is possible to control whether or not the purchase is possible by placing importance on the debtor examination information. Further, for example, the propriety of purchase may be controlled in consideration of whether or not the voucher document is stamped.
（確定債権の買取処理）
以下、通常債権の買取処理の流れを説明する。基本情報取得部１３１は、債権者基本情報、債務者基本情報及び取引基本情報を取得する。次に、審査情報取得部１３２は、債権者審査情報、債務者審査情報及び取引審査情報を取得する。そして、買取実行部１３３は、審査情報に基づく格付に応じて、売掛債権の買取の可否を判断し、可とした場合には、手数料の決定も行い、買取を実行する。
(Purchase processing of fixed claims)
The flow of the purchase process of ordinary receivables will be described below. The basic information acquisition unit 131 acquires basic creditor information, basic debtor information, and basic transaction information. Next, the examination information acquisition unit 132 acquires the creditor examination information, the debtor examination information, and the transaction examination information. Then, the purchase execution unit 133 determines whether or not to purchase the accounts receivable according to the rating based on the examination information, and if it is possible, determines the commission and executes the purchase.
例えば、買取実行部１３３は、審査情報に基づく格付が予め定めた閾値以上（例えばＤ以上）の場合に確定債権の買取を認め、審査情報に基づき債権者の格付がＣとされた場合、買取処理の実行が行われる。 For example, the purchase execution unit 133 approves the purchase of a fixed bond when the rating based on the examination information is equal to or higher than a predetermined threshold (for example, D or higher), and when the creditor's rating is C based on the examination information, the purchase is made. The process is executed.
このとき、前提として、基本情報取得部１３１は、確定債権の成立を裏付ける証憑書類、例えば、請求書などの書類を取得する。 At this time, as a premise, the basic information acquisition unit 131 acquires voucher documents supporting the establishment of the fixed claim, for example, documents such as an invoice.
さらに、買取実行部１３３は、売掛債権の買取を可と判断するため、審査情報に基づく格付に応じて、手数料を決定する。このとき、格付が高ければ手数料を低く設定し、格付が低ければ手数料を高く設定するなどの処理が行われる。 Further, the purchase execution unit 133 determines the commission according to the rating based on the examination information in order to determine that the purchase of the accounts receivable is possible. At this time, if the rating is high, the fee is set low, and if the rating is low, the fee is set high.
（将来債権の買取処理）
以下、将来債権の買取処理の流れを説明する。基本情報取得部１３１は、債権者基本情報、債務者基本情報及び取引基本情報を取得する。次に、審査情報取得部１３２は、債権者審査情報、債務者審査情報及び取引審査情報を取得する。そして、買取実行部１３３は、審査情報に基づく格付に応じて、将来債権の買取の可否を判断し、可とした場合には、手数料の決定も行い、買取を実行する。
(Purchase processing of future claims)
The flow of future loan purchase processing will be described below. The basic information acquisition unit 131 acquires basic creditor information, basic debtor information, and basic transaction information. Next, the examination information acquisition unit 132 acquires the creditor examination information, the debtor examination information, and the transaction examination information. Then, the purchase execution unit 133 determines whether or not the future claim can be purchased according to the rating based on the examination information, and if it is possible, determines the fee and executes the purchase.
例えば、買取実行部１３３は、審査情報に基づく格付が予め定めた閾値以上（例えばＡ以上）の場合に確定債権の買取を認め、審査情報に基づき債権者の格付がＡとされた場合、買取処理の実行が行われる。 For example, the purchase execution unit 133 approves the purchase of a fixed bond when the rating based on the examination information is equal to or higher than a predetermined threshold (for example, A or higher), and when the creditor's rating is A based on the examination information, the purchase is made. The process is executed.
このとき、前提として、基本情報取得部１３１は、将来債権の成立を裏付ける証憑書類、例えば、見積書、発注書、受注確認書、納品書、受領書、請求書などの書類を取得している。 At this time, as a premise, the basic information acquisition unit 131 has acquired voucher documents supporting the establishment of future claims, for example, documents such as a quotation, a purchase order, an order confirmation, a delivery note, a receipt, and an invoice. ..
さらに、買取実行部１３３は、将来債権の買取を可と判断するため、審査情報に基づく格付に応じて、手数料を決定する。このとき、格付が高ければ手数料を低く設定し、格付が低ければ手数料を高く設定するなどの処理が行われる。また、そもそも不確定な債権であることから、確定債権よりも手数料を高く設定するなどの処理が行われる。 Further, the purchase execution unit 133 determines the fee according to the rating based on the examination information in order to determine that the purchase of the claim is possible in the future. At this time, if the rating is high, the fee is set low, and if the rating is low, the fee is set high. In addition, since the loan is uncertain in the first place, processing such as setting a higher fee than the fixed loan is performed.
（事故債権の買取処理）
以下、事故債権の買取処理の流れを説明する。基本情報取得部１３１は、債権者基本情報、債務者基本情報及び取引基本情報を取得する。次に、審査情報取得部１３２は、債権者審査情報、債務者審査情報及び取引審査情報を取得する。そして、買取実行部１３３は、審査情報に基づく格付に応じて、売掛債権の買取の可否を判断し、可とした場合には、手数料の決定も行い、買取を実行する。
(Purchase processing of accident claims)
The flow of the purchase process of accident claims will be described below. The basic information acquisition unit 131 acquires basic creditor information, basic debtor information, and basic transaction information. Next, the examination information acquisition unit 132 acquires the creditor examination information, the debtor examination information, and the transaction examination information. Then, the purchase execution unit 133 determines whether or not to purchase the accounts receivable according to the rating based on the examination information, and if it is possible, determines the commission and executes the purchase.
例えば、買取実行部１３３は、審査情報に基づく格付が予め定めた閾値以上（例えばＣ以上）の場合に事故債権の買取を認め、審査情報に基づき債権者の格付がＢとされた場合、買取処理の実行が行われる。 For example, the purchase execution unit 133 approves the purchase of the accident claim when the rating based on the examination information is equal to or higher than a predetermined threshold (for example, C or higher), and when the creditor's rating is B based on the examination information, the purchase is made. The process is executed.
また、事故債権の回収に際しては、債務者の事情が大きく関わるため、債権者審査情報よりも債務者審査情報の方を重視して買取処理の可否を制御してもよい。 In addition, since the debtor's circumstances are greatly involved in the collection of accident claims, the possibility of purchase processing may be controlled by giving more weight to the debtor examination information than the creditor examination information.
このとき、前提として、基本情報取得部１３１は、売掛債権の成立を裏付ける証憑書類、例えば、請求書などの書類を取得している。 At this time, as a premise, the basic information acquisition unit 131 has acquired voucher documents supporting the establishment of accounts receivable, for example, documents such as invoices.
さらに、買取実行部１３３は、売掛債権の買取を可と判断するため、審査情報に基づく格付に応じて、手数料を決定する。このとき、債務者審査情報に基づき、回収可能性なども考慮しながら、手数料を決定してよい。 Further, the purchase execution unit 133 determines the commission according to the rating based on the examination information in order to determine that the purchase of the accounts receivable is possible. At this time, the fee may be determined based on the debtor examination information and taking into consideration the collectability and the like.
＜処理の流れ＞
以下、図７を参照しながら、ファクタリングサーバ１００が実行する制御処理の一例を説明する。この処理は、利用者が債権の買取（すなわちファクタリング）を希望するたびに実行される。
<Processing flow>
Hereinafter, an example of the control process executed by the factoring server 100 will be described with reference to FIG. 7. This process is executed every time the user wishes to purchase (that is, factoring) the receivable.
まず、制御部１３０は、通信部１１０を介して、通信端末２００から、基本情報を取得する（ステップＳ１０１）。 First, the control unit 130 acquires basic information from the communication terminal 200 via the communication unit 110 (step S101).
ステップＳ１０１にて取得した基本情報は、記憶部１２０を介して、基本情報ＤＢ１２１に記憶される。 The basic information acquired in step S101 is stored in the basic information DB 121 via the storage unit 120.
制御部１３０は、通信部１１０を介して、審査情報を取得する（ステップＳ１０２）。 The control unit 130 acquires examination information via the communication unit 110 (step S102).
ステップＳ１０２にて取得した審査情報は、記憶部１２０を介して、審査情報ＤＢ１２２に記憶される。 The examination information acquired in step S102 is stored in the examination information DB 122 via the storage unit 120.
制御部１３０は、ステップＳ１０２にて取得した審査情報の格付に基づき、買取処理を実行する。このとき、格付に基づき、買取を可とする場合には、格付を考慮して手数料を決定し、売掛債権の買取を実行する。買取を不可とする場合には、買取を中断し、利用者に買取不可の回答を行う（ステップＳ１０３）。 The control unit 130 executes the purchase process based on the rating of the examination information acquired in step S102. At this time, if the purchase is possible based on the rating, the commission is determined in consideration of the rating, and the purchase of the accounts receivable is executed. If the purchase is not possible, the purchase is interrupted and the user is replied that the purchase is not possible (step S103).
＜効果の説明＞
本実施形態に係るファクタリングシステム１において、ファクタリングサーバ１００は、 将来発生する可能性のある売掛債権も買取を可能とすることで、迅速に売掛債権を現金化することを可能とする。
<Explanation of effect>
In the factoring system 1 according to the present embodiment, the factoring server 100 makes it possible to quickly cash out the accounts receivable by making it possible to purchase the accounts receivable that may occur in the future.
また、ファクタリングサーバ１００は、将来債権のみならず、事故債権の買取も対象とすることで、利用者の資金調達の便宜に資することになる。 Further, the factoring server 100 contributes to the convenience of the user's fund procurement by targeting the purchase of not only future claims but also accident claims.
上記のように、通常のファクタリングで買取対象となる売掛債権のみならず、債権の買取対象を広げることにより、利用者の資金調達の便宜に資することとなり、経済活動の活性化にも資することが期待できる。 As mentioned above, by expanding the purchase target of receivables as well as the accounts receivable that are the target of purchase by ordinary factoring, it will contribute to the convenience of financing of users and also contribute to the activation of economic activities. Can be expected.
以上で説明を終了するが、上記記載は一例に過ぎない。そのため、ファクタリングシステム１及びファクタリングサーバ１００の具体的な構成、処理内容等は上記で説明したものに限られない。 This is the end of the explanation, but the above description is only an example. Therefore, the specific configurations, processing contents, and the like of the factoring system 1 and the factoring server 100 are not limited to those described above.
また、ファクタリングサーバ１００は、さらに、入力部、表示部等を備え、管理者や利用者が各種情報を入力したり、設定操作をしたりすることが可能な構成であってもよい。この場合、利用者がファクタリングサーバ１００に基本情報を直接入力することができる。このような構成により、ファクタリングシステム１において、通信端末２００を備えない構成にされてもよいし、ファクタリングサーバ１００と通信端末２００との通信処理を簡略化してもよい。 Further, the factoring server 100 may further include an input unit, a display unit, and the like, and may be configured so that an administrator or a user can input various information or perform a setting operation. In this case, the user can directly input the basic information to the factoring server 100. With such a configuration, the factoring system 1 may be configured not to include the communication terminal 200, or the communication process between the factoring server 100 and the communication terminal 200 may be simplified.
また、本開示に係るファクタリングシステムは、上記装置によらず、例えば、コンピュータがプログラムを実行することで、その機能を実現してもよい。情報提供システムの機能を実現するためのプログラムは、ＵＳＢ（Universal Serial Bus）メモリ、ＣＤ−ＲＯＭ（Compact Disc−Read Only Memory）、ＤＶＤ（Digital Versatile Disc）、ＨＤＤ（Hard Disc Drive）等のコンピュータ読み取り可能な記録媒体に記憶されてもよいし、ネットワークを介してコンピュータにダウンロードされてもよい。 Further, the factoring system according to the present disclosure may realize its function by, for example, executing a program by a computer, regardless of the above-mentioned device. The program to realize the function of the information providing system is computer reading of USB (Universal Serial Bus) memory, CD-ROM (Compact Disc-Read Only Memory), DVD (Digital Versatile Disc), HDD (Hard Disc Drive), etc. It may be stored on a possible recording medium or downloaded to a computer via a network.
以上、本開示の好ましい実施形態について説明したが、本開示は係る特定の実施形態に限定されるものではなく、本開示には、特許請求の範囲に記載された発明とその均等の範囲が含まれる。また、上記実施形態及び変形例で説明した装置の構成は、技術的な矛盾が生じない限り、適宜組み合わせ可能である。 Although the preferred embodiments of the present disclosure have been described above, the present disclosure is not limited to such specific embodiments, and the present disclosure includes the inventions described in the claims and the equivalent scope thereof. Is done. Further, the configurations of the devices described in the above-described embodiments and modifications can be appropriately combined as long as there is no technical contradiction.
１…ファクタリングシステム、１００…ファクタリングサーバ、２００…通信端末、１１０…通信部、１２０…記憶部、１２１…基本情報ＤＢ、１２２…審査情報ＤＢ、１３０…制御部、１３１…基本情報取得部、１３２…審査情報取得部、１３３…買取実行部 1 ... Factoring system, 100 ... Factoring server, 200 ... Communication terminal, 110 ... Communication unit, 120 ... Storage unit, 121 ... Basic information DB, 122 ... Examination information DB, 130 ... Control unit, 131 ... Basic information acquisition unit, 132 … Examination information acquisition department 133… Purchase execution department
Claims (10)
債権者と債務者の取引によって生じた売掛債権について、前記債権者に関する債権者基本情報、前記債務者に関する債務者基本情報、前記売掛債権の証憑書類に関する取引情報を取得する基本情報取得部と、
前記債権者の審査情報である債権者審査情報、前記債務者の審査情報である債務者審査情報、前記取引情報の審査情報である取引審査情報を取得する審査情報取得部と、
売掛債権買取処理を実行する買取実行部とを備え、
前記買取実行部は、将来債権の買取を取扱うこと
を特徴とするファクタリングサーバ。 A factoring server that factores accounts receivable
Basic information acquisition department that acquires basic creditor information about the creditor, basic debtor information about the debtor, and transaction information about voucher documents of the debtor for the accounts receivable generated by the transaction between the creditor and the debtor. When,
The creditor examination information which is the examination information of the creditor, the debtor examination information which is the examination information of the debtor, the examination information acquisition department which acquires the transaction examination information which is the examination information of the transaction information,
Equipped with a purchase execution department that executes accounts receivable purchase processing
The purchase execution unit is a factoring server characterized by handling future purchases of receivables.
債権者と債務者の取引によって生じた売掛債権について、前記債権者に関する債権者基本情報、前記債務者に関する債務者基本情報、前記売掛債権の証憑書類に関する取引情報を取得する基本情報取得ステップと、
前記債権者の審査情報である債権者審査情報、前記債務者の審査情報である債務者審査情報、前記取引情報の審査情報である取引審査情報を取得する審査情報取得ステップと、
売掛債権買取処理を実行する買取実行ステップとを備え、
前記買取実行ステップは、将来債権の買取を取扱うことをコンピュータに実行させるためのファクタリング方法。 It is a factoring method for factoring accounts receivable.
Basic information acquisition step to acquire basic creditor information about the creditor, basic debtor information about the debtor, and transaction information about voucher documents of the debtor for the accounts receivable generated by the transaction between the creditor and the debtor. When,
Creditor examination information which is the examination information of the creditor, debtor examination information which is the examination information of the debtor, examination information acquisition step which acquires the transaction examination information which is the examination information of the transaction information, and
With a purchase execution step to execute the accounts receivable purchase process,
The purchase execution step is a factoring method for causing a computer to handle future purchases of receivables.
債権者と債務者の取引によって生じた売掛債権について、前記債権者に関する債権者基本情報、前記債務者に関する債務者基本情報、前記売掛債権の証憑書類に関する取引情報を取得する基本情報取得ステップと、
前記債権者の審査情報である債権者審査情報、前記債務者の審査情報である債務者審査情報、前記取引情報の審査情報である取引審査情報を取得する審査情報取得ステップと、
売掛債権買取処理を実行する買取実行ステップとを備え、
前記買取実行ステップは、将来債権の買取を取扱うことをコンピュータに実行させるためのファクタリングプログラム。
A factoring program for factoring accounts receivable
Basic information acquisition step to acquire basic creditor information about the creditor, basic debtor information about the debtor, and transaction information about voucher documents of the debtor for the accounts receivable generated by the transaction between the creditor and the debtor. When,
Creditor examination information which is the examination information of the creditor, debtor examination information which is the examination information of the debtor, examination information acquisition step which acquires the transaction examination information which is the examination information of the transaction information, and
With a purchase execution step to execute the accounts receivable purchase process,
The purchase execution step is a factoring program for causing a computer to handle future purchases of receivables.
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