JP2021184298A - Electronically recorded monetary claim processing apparatus, electronically recorded monetary claim processing method, and program - Google Patents

Abstract

To provide an electronically recorded monetary claim processing apparatus and method for appropriate fund procurement.SOLUTION: An electronically recorded monetary claim processing apparatus 100 includes: a claim registration processing unit 112 which confirms credit information recorded on a recording unit 120 in accordance with a request from a company, updates the credit information recorded on the recording unit 120 when electronically recorded monetary claims can be withdrawn, and registers information on the withdrawn electronically recorded monetary claims, as occurrence recording information, on a recording apparatus of an electronic monetary claim recording institution; a buying processing unit 113 which receives a discount bond transfer request for transferring an electronically recorded monetary claim before a due date, from the company, and calculates a buying price of the electronically recorded monetary claim by applying a debtor discount when the electronically recorded monetary claim to be subjected to the discount bond transfer can be discounted with the debtor discount; and a remittance processing unit 114 which pays the amount of money for the electronically recorded monetary claim to an account of a creditor from an account of the debtor when the due date of the electronically recorded monetary claim withdrawn by a function of the claim registration processing unit 112 comes.SELECTED DRAWING: Figure 2

Description

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

In recent years, as a new method of raising funds for companies and the like, an electronically recorded receivable mechanism has been used in which monetary receivables such as bills and accounts receivable are digitized and settled. Compared to settlement using actual bills, the electronically recorded loan system has the advantage that not only is the burden of paperwork related to issuance, transportation, and management reduced, but stamp duty is not levied. That is, the mechanism of electronically recorded claims is excellent in convenience as a payment method. In addition, in the mechanism of electronically recorded loans, since electronically recorded loans can be transferred by a simple procedure, fund procurement by transfer is promoted.

Therefore, various measures have been taken to facilitate the transfer of electronically recorded claims. For example, when an electronically recorded claim is transferred, the information between the transferor and the transferee is stored as a transfer record. , A technique for facilitating the transfer of electronically recorded claims has been proposed (for example, Non-Patent Document 1).

"Mechanism and Practice of Densai Net", [Online], [Search on October 25, 2017], Internet <URL: https://www.densai.net/pdf/Pamphlet.pdf>

Here, when the creditor raises funds by transfer before the payment date of the electronically recorded claim by using the technique described in Non-Patent Document 1, for example, the creditor purchases the electronically recorded claim from a financial institution. To ask. When a financial institution purchases electronically recorded receivables before the due date, the discount amount calculated based on the credit line of the creditor is discounted from the receivable amount. For example, in the case where the company A outsources the production of parts to the contractor B, the credit line of the company A is generally higher than the credit line of the contractor B. As a financial institution, it is easy to lower the discount amount based on the credit line of company A. As described above, although the discount amount is lower based on the creditor's credit line than the creditor's credit line, it is based on the transfer of electronically recorded claims using the technique described in Non-Patent Document 1. When raising funds, the discount amount was based on the credit line of the creditor, and it was difficult to raise funds appropriately.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an electronically recorded claim processing device, an electronically recorded claim processing method and a program capable of raising appropriate funds.

In order to achieve the above object, the electronically recorded claim processing apparatus according to the first aspect of the present invention is
Permission information indicating that the electronically recorded claim is an electronically recorded claim issued based on the credit of the bond obligor and the predetermined specific discount is permitted is stored at the time of withdrawal of the electronically recorded claim. Electronically recorded credit storage means (for example, the credit registration processing unit 112 that stores in the discount service target list in step S25),
A purchase request receiving means (for example, a purchase processing unit 113 that receives a discounted claim transfer request) for receiving a purchase request requesting the purchase of the electronically recorded claim.
Whether or not the electronically recorded claim specified by the purchase request received by the purchase request receiving means is an electronically recorded claim for which the specific discount is permitted is the permission stored in the electronically recorded claim storage means. A determination means for determining based on information (for example, a purchase processing unit 113 that executes the processing in step S41) and
The electronically recorded claim purchase means (for example, the purchase processing unit 113 that executes the process of step S42 or S45) for purchasing by discounting a predetermined amount from the claim amount of the electronically recorded claim specified by the purchase request is provided. ,
When the determination means determines that the electronically recorded claim purchase means is an electronically recorded claim that is permitted to be purchased at the specific discount, the electronically recorded claim purchase means discounts the amount of the specific discount as the predetermined amount (for example, step S42). When it is determined by the determination means that the electronically recorded claim is not permitted to be purchased at the specific discount, the predetermined amount is larger than the amount due to the specific discount. Then, the amount calculated based on the credit of the creditor is discounted (for example, the process of step S45 is executed).
It is characterized by that.

When the determination means determines that the electronically recorded claim is not permitted to be purchased at the specific discount, the creditor credit acquisition means for acquiring information on the credit of the creditor from the financial institution of the creditor's business partner. (For example, the purchase processing unit 113 that executes the processing in step S43) is further provided.
The electronically recorded creditor purchasing means discounts an amount calculated based on information on the creditor's credit acquired by the creditor credit acquisition means as an amount calculated based on the creditor's credit (for example, the creditor). The creditor discount amount calculated by the calculation method set to be different depending on the credit balance and creditworthiness of
You may do so.

Further provided with a debtor credit information acquisition means (for example, a purchase processing unit 113 that refers to the credit information list 122) for acquiring information on the debtor's credit.
The electronically recorded loan purchasing means discounts an amount calculated based on information on the debtor's credit acquired by the debtor's credit acquisition means as an amount by the specific discount (for example, the debtor's credit balance and creditworthiness). The debtor discount amount calculated by the calculation method set to be different according to the value is discounted),
You may do so.

For electronically recorded claims generated when the credit balance of the obligor is less than the amount of the claim, the credit limit to be used out of the credit balances of the obligor and the obligee is associated with the identification information of the electronically recorded claim. Further provided with a credit balance storage means (for example, a credit registration processing unit 112 that executes the processing of step S300) for storing the used credit information to be shown.
The electronically recorded claim storage means is specified on the condition that the total of the credit information used by the obligor and the creditor stored in the credit balance storage means is equal to or greater than the credit amount of the electronically recorded claim. Information about the electronically recorded claim is stored as the electronically recorded claim for which the discount is permitted (for example, when it is determined to be Yes in step S310, the process of step S320 is executed).
You may do so.

In order to achieve the above object, the electronically recorded claim processing method according to the second aspect of the present invention is:
It is an electronically recorded claim processing method in an electronically recorded claim processing device.
Electronically recorded permission information indicating that the electronically recorded claim storage means is an electronically recorded claim paid out based on the credit of the obligor and is an electronically recorded claim for which a predetermined specific discount is permitted. Steps to remember when paying out receivables
A purchase request receiving step in which the purchase request receiving means receives a purchase request requesting the purchase of the electronically recorded claim, and
The determination means stores in the electronically recorded claim storage means whether or not the electronically recorded claim specified by the purchase request received in the purchase request receiving step is an electronically recorded claim for which the specific discount is permitted. Judgment step to judge based on the said permission information and
The electronically recorded claim purchasing means includes an electronically recorded claim purchase step in which a predetermined amount is discounted from the amount of the electronically recorded claim specified by the purchase request and the purchase is made.
In the electronically recorded claim purchase step, when it is determined in the determination step that the electronically recorded claim is permitted to be purchased at the specific discount, the amount due to the specific discount is discounted as the predetermined amount, and the determination step is performed. If it is determined that the claim is an electronically recorded claim that is not permitted to be purchased at the specific discount, the predetermined amount is larger than the amount due to the specific discount and is calculated based on the credit of the creditor. Discount,
It is characterized by that.

In order to achieve the above object, the program according to the third aspect of the present invention is
Computer,
Electronically stored at the time of withdrawal of the electronically recorded claim, the permission information indicating that the electronically recorded claim is an electronically recorded claim paid out based on the credit of the obligor and the predetermined specific discount is permitted. Recorded loan storage means,
Purchase request receiving means for receiving a purchase request requesting the purchase of the electronically recorded claim,
Whether or not the electronically recorded claim specified by the purchase request received by the purchase request receiving means is an electronically recorded claim for which the specific discount is permitted is the permission stored in the electronically recorded claim storage means. Judgment means for judgment based on information,
It functions as an electronically recorded claim purchase means for purchasing by discounting a predetermined amount from the amount of the electronically recorded claim specified by the purchase request.
When the determination means determines that the electronically recorded claim is an electronically recorded claim that is permitted to be purchased at the specific discount, the electronically recorded claim purchasing means discounts the amount of the specified discount as the predetermined amount and uses the determination means. If it is determined that the claim is an electronically recorded claim that is not permitted to be purchased at the specified discount, the amount of the predetermined amount is larger than the amount of the specified discount and is calculated based on the credit of the creditor. Discount,
It is characterized by that.

According to the present invention, suitable financing can be obtained.

It is a block diagram which shows an example of the electronically recorded credit processing system which concerns on embodiment of this invention. It is a block diagram which shows an example of the electronically recorded credit processing apparatus. It is a figure which shows an example of the company information list. It is a figure which shows an example of the credit information list. It is a figure which shows an example of the discount service target list. b It is a block diagram which shows an example of a bank processing apparatus. It is a block diagram which shows an example of a recording apparatus. It is a figure which shows an example of a record original book. It is a flowchart which shows an example of the pre-registration process. It is a flowchart which shows an example such as a bond registration process. It is a flowchart which shows an example of the assignment transfer process. It is a flowchart which shows an example such as a bond purchase process. It is a flowchart which shows an example such as a due date processing. It is a block diagram which shows an example of the electronically recorded credit processing system in a modification. It is a flowchart which shows an example such as a credit registration process in a modification. It is a flowchart which shows an example such as a due date processing in a modification.

A case where the electronically recorded claim processing apparatus 100 according to the present embodiment is applied to the electronically recorded claim processing system 1 shown in FIG. 1 will be described as an example. As shown in FIG. 1, the electronically recorded claim processing system 1 includes an electronically recorded claim processing device 100, a b bank processing device 200, a c bank processing device 300, and a recording device 400. In this embodiment, in order to facilitate understanding, in the illustrated electronically recorded credit processing system 1, the company A pays out the electronically recorded credit to the company B (in the commercial transaction between the company A and the company B, the company A pays out). Pays to company B with electronically recorded claims), company B transfers the electronically recorded claims to company C, and company C transfers the electronically recorded claims to bank a before the payment date (discounted claims transfer). By doing so, it is assumed that Company C will raise funds. Company A is a paying company (debtor) that pays creditors by paying out electronically recorded claims, and company B is a delivery company that delivers goods and the like to company A, and company C. Is a receiving company that receives electronically recorded creditors from company B. Bank a is the bank of company A, bank b is the bank of company B, bank c is the bank of company C, and electronic credit records are managed via network 5. It is possible to communicate with each institution. That is, Bank a, Bank b, and Bank c are each affiliated with a network for conducting commercial transactions using electronically recorded loans. In addition, the information of each company is as follows: Bank a for information on company A (for example, corporate information and credit information described later such as credit balance and settlement information), bank b for information on company B, and so on. It shall be held at each bank. As described above, in this embodiment, since the company C transfers the discounted claims to the bank a, the company C can request the bank a to transfer the discounted claims via a network such as the Internet. .. In addition to this, for example, the company C may be able to request the transfer of discounted claims from the bank c to the bank a via the network 5.

As shown in FIG. 1, the electronically recorded claim processing device 100 according to this embodiment is a general computer installed in a bank a, which is a trading bank of a company A, which is a paying company. The b bank processing apparatus 200 is a general computer installed in the b bank, which is the trading bank of the company B, which is the supplier company. The c-bank processing apparatus 300 is a general computer installed in the c-bank, which is the trading bank of the c-bank processing apparatus C, which is the receiving company. The recording device 400 is a general computer installed in an electronic bond recording institution, and can communicate with each other via the electronic record bond processing device 100, b bank processing device 200, c bank processing device 300, and network 5. It is connected.

FIG. 2 is a functional block diagram of the electronically recorded claim processing device 100. The electronically recorded loan processing device 100 pays out electronically recorded loans, and discounts electronically recorded loans for which a transfer is offered before the due date at a discount amount (debtor discount amount) based on the debtor's credit limit. Judging whether it is possible or not, if discount is possible, the debt discount amount is applied, and if discount is not possible, the discount amount based on the creditor's credit limit (creditor discount amount) is applied to the electronically recorded loan. It is a device that calculates the purchase price. The debtor discount amount is smaller than the creditor discount amount.

As shown in FIG. 2, the electronically recorded claim processing device 100 includes a control unit 110, a storage unit 120, and an input / output unit 130, which are connected via an internal bus.

The control unit 110 includes a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), and the like. The control unit 110 operates according to the program stored in the storage unit 120. The control unit 110 includes a pre-application processing unit 111, a claim registration processing unit 112, a purchase processing unit 113, and a remittance processing unit 114 as main functional units provided by the program stored in the storage unit 120. Be prepared.

The advance application processing unit 111 has a function of examining the company A in response to a request from the company A, and registering the company information and the credit information of the company A in the recording unit 120 when the examination is passed. .. Specifically, the advance application processing unit 111 examines whether or not it is possible to pay out electronically recorded claims that are discounted by the debtor discount amount, that is, whether or not the debtor discount service can be used. The examination may be conducted based on arbitrary various information such as the credit line and capital of the debtor company A. The advance application processing unit 111 also has a function of notifying the company A of the fact that the company A has passed the examination and registered the company information and the credit information of the company A.

The claim registration processing unit 112 confirms the credit information recorded in the recording unit 120 in response to the request from the company A, and whether or not the electronically recorded claim of the amount of the claim desired by the company A can be paid out. It has a function to judge. Further, the claim registration processing unit 112 updates the credit information stored in the storage unit 120 when the electronically recorded claim can be paid out, and the electronically recorded claim information to be paid out is used as the generation record information by the electronic claim recording institution. It has a function of registering in the recording device 400 of. In other words, the claim registration processing unit 112 has a function of paying out electronically recorded claims in response to a request from the obligor. If it is not possible to pay out the electronically recorded claim, the claim registration processing unit 112 notifies the company A to that effect.

The purchase processing unit 113 accepts a request for transfer of discounted receivables to transfer electronically recorded receivables before the payment due date from company C, and determines whether or not the electronically recorded receivables subject to the transfer of discounted receivables can be discounted by the debtor discount amount. It has a judgment function. Further, the purchase processing unit 113 calculates the purchase amount of the electronically recorded loan by applying the debtor discount amount when the debtor discount amount can be discounted, and the debtor discount amount cannot be discounted. It has a function to calculate the purchase amount of electronically recorded loans by applying the creditor discount amount. Further, the purchase processing unit 113 has a function of paying the charge of the purchase amount to the creditor company C based on the agreement of the purchase by the calculated purchase amount by the company C.

The remittance processing unit 114 transfers the amount of the electronically recorded claims from the debtor's account to the creditor's account based on the payment due date of the electronically recorded claims paid out by the function of the claim registration processing unit 112. It has a function to make payments.

The storage unit 120 includes a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. The ROM stores a program executed by the CPU of the control unit 110 and data necessary for executing the program in advance. RAM stores data that is created or modified during program execution. The storage unit 120 shows a list of company information such as the capital and the number of employees of various companies (a company having a contract with a bank) including the company A as the main information used by the program executed by the control unit 110. Corporate information list 121, credit information list 122 showing a list of electronically recorded claims and credit line information (credit information) issued by various companies (companies with a contract with a bank) including company A, issued. Stores the discount service target list 123 indicating that the electronically recorded claim is the target of the debtor discount service and is the target of discounting at the debtor discount amount.

FIG. 3 shows an example of the company information list 121. The company information list 121 shows information (company information) about each company for a plurality of companies. Specifically, the company information list 121 includes information such as a company code, a company name, capital, the number of employees, and years of operation, which are identification information for identifying a company, at least as shown in the figure. (Contains company information of each company). The company information shown in the company information list 121 may include, for example, settlement information such as sales, operating profit, and ordinary profit for each company. The company information list 121 may be stored by storing the company information by concluding a predetermined contract such as a Densai contract between the company and the bank a. The company information list 121 is referred to when the electronically recorded claim is paid out.

FIG. 4 shows an example of the credit information list 122. The credit information list 122 shows the total amount of receivables paid out and the credit balance for each company (credit information for each company). Specifically, in the credit information list 122, at least as shown in the figure, information such as a company code, a bond amount which is the total amount of bonds, and a credit balance indicating the balance of bond amounts that can be paid out is provided for each company. include. “0” is stored as the initial value of the claim amount, and the amount corresponding to the claim amount is added each time the electronically recorded claim is paid out. Further, as the credit balance, the amount set by the bank a for examining the company is stored as an initial value, and the amount corresponding to the amount of the claim is deducted each time the electronically recorded claim is paid out. The credit information shown in the credit information list 122 may include, for example, credit information in which the creditworthiness of a company is evaluated in stages (for example, a five-level evaluation of A to E) for each company. The creditworthiness may be calculated by, for example, a calculation method predetermined by the capital stock, the number of years of operation, the settlement information, etc. included in the company information list 121. In the credit information list 122, a predetermined contract such as a Densai contract is concluded between a company and a bank, and the credit information is stored by setting the credit balance of the target company in the examination of the a bank. It will be remembered. Further, the credit information list 122 is updated when the electronically recorded receivables are paid out by the company and the due date of the paid out electronically recorded receivables is reached.

FIG. 5 shows an example of the discount service target list 123. The discount service target list 123 shows the electronically recorded claims subject to the debtor discount service, the amount of the claims, and the information of the debtor for each electronically recorded claim. Specifically, as shown in the figure, the discount service target list 123 includes a claim number for identifying an electronically recorded claim subject to the debtor discount service, the amount of the claim, the company code of the company that issued the claim, and the company code of the company that issued the claim. Contains information such as due dates. The discount service target list 123 may include, for example, a discount rate determined based on the credit rating of the credit information list 122. The discount rate may be set so that the higher the credit rating of the credit information list 122, the lower the discount rate. The discount service target list 123 is stored when the electronically recorded receivables are paid out by the company.

Returning to FIG. 2, the input / output unit 130 is composed of a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electro-Luminence) display, and the like, and is a device for inputting / outputting data. The input unit 130 also functions as a communication unit for communicating with a company, an electronic credit recording institution, and each bank via each network such as the Internet and the network 5.

The above is the configuration of the electronically recorded claim processing device 100. Subsequently, the configuration of the b-bank processing apparatus 200 shown in FIG. 1 will be described. Since the c-bank processing apparatus 300 has the same configuration, the description thereof will be omitted.

FIG. 6 is a functional block diagram of the b bank processing apparatus 200. b The bank processing device 200 is a device that transfers the paid out electronically recorded claims to another company. b The bank processing apparatus 200 includes a control unit 210, a storage unit 220, and an input / output unit 230, as shown in FIG. 6, which are connected via an internal bus.

The control unit 210 includes a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), and the like. The control unit 210 operates according to the program stored in the storage unit 220. The control unit 210 includes a credit transfer processing unit 211 as a main functional unit provided by the program stored in the storage unit 220. The bank processing apparatus 200 b can pay out general electronically recorded receivables that are not covered by the debtor discount service in response to a request from the company B. The explanation is omitted. Even when a general electronically recorded claim is paid out in this way, information about the electronically recorded claim is stored in the recording device 400, as will be described later.

The assignment transfer processing unit 211 has a function of processing the transfer of electronically recorded assignments in response to a transfer request from a company. For example, when the company B concludes a contract to transfer the electronically recorded claims to the company C, the electronically recorded claims stored in the recording device 400 of the electronic claim recording institution responds to the request from the company B. By updating the information, the receivables are transferred from the company B to the company C. In addition, the claim transfer processing unit 211 has a function of notifying the transferor and the transferee when the transfer of the claim is completed. Further, the transfer processing unit 211 has a function of paying the transfer amount of money from the transferee's account to the transferor's account.

The storage unit 220 includes a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. The ROM stores a program executed by the CPU of the control unit 210 and data necessary for executing the program in advance. RAM stores data that is created or modified during program execution. The storage unit 220 shows company information such as the capital and the number of employees of various companies (company having a contract with bank b) including company B as the main information used by the program executed by the control unit 210. List 221, a credit information list 222 showing information on electronically recorded claims and credit lines issued by various companies (companies having a contract with bank b) including company B is stored. The company information list 221 and the credit information list 222 differ only in that they store the information of the company B, not the company A, and are the same as the company information list 121 and the credit information list 122 shown in FIGS. 3 and 4. Therefore, the description is omitted.

The input / output unit 230 is composed of a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electro-Luminence) display, and the like, and is a device for inputting / outputting data. The input unit 230 also functions as a communication unit for communicating with a company, an electronic credit recording institution, and each bank via each network such as the Internet and the network 5.

The above is the configuration of the b bank processing device 200 (the other points are the same in that the c bank processing device 300 is also different in that it stores the information of the C company). Subsequently, the configuration of the recording device 400 shown in FIG. 1 will be described.

FIG. 7 is a functional block diagram of the recording device 400. The recording device 400 is a device that stores various information regarding the paid out electronically recorded claims as a recording ledger and discloses or updates the contents as necessary. That is, the electronic bond recording institution in which the recording device 400 is installed has a role as a registration office for electronically recorded claims.

As shown in FIG. 7, the recording device 400 includes a control unit 410, a storage unit 420, and an input / output unit 430, which are connected via an internal bus.

The control unit 410 includes a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), and the like. The control unit 410 operates according to the program stored in the storage unit 420. The control unit 410 includes a claim registration renewal unit 411 and a due date notification unit 412 as main functional units provided by the program stored in the storage unit 420.

The credit registration renewal unit 411 has a function of registering information regarding the paid out electronically recorded claims in the record ledger 421 stored in the storage unit 420 in response to the withdrawal of the electronically recorded claims, and electronically. It has a function to update the creditor's information in the record ledger when the recorded claim is transferred and the creditor changes, and a function to delete the information about the electronically recorded claim for which payment was made due on the due date from the record ledger. ing.

The due date notification unit 412 has a function of managing the payment due date of the electronically recorded claim registered in the record register 421 and notifying the obligor of the electronically recorded claim and its bank when the payment due date arrives. I have. In this embodiment, an example of managing the payment due date of the electronically recorded creditor by the recording device 400 in the electronically recorded creditor is shown, but a financial institution permitting the withdrawal of the electronically recorded creditor (in this example, bank a). ) May be used to manage the payment due date, and the financial institution may access the recording device 400 to specify the creditor to be paid and make the payment.

The storage unit 420 includes a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. The ROM stores a program executed by the CPU of the control unit 110 and data necessary for executing the program in advance. RAM stores data that is created or modified during program execution. The storage unit 420 stores the record master 421 in which various information regarding the electronically recorded claim is stored as the main information used by the program executed by the control unit 410.

FIG. 8 shows an example of the record master 421. The record ledger 421 shows information such as the obligor and the creditor of the electronically recorded claim, the amount of the claim and the due date for each electronically recorded claim. Specifically, in the record ledger 421, at least as shown in the figure, the claim number for identifying the electronically recorded claim, the amount of the electronically recorded claim, the issue date indicating the withdrawal date and the transfer date of the electronically recorded claim, It contains information about the debtor and its bank (such as an account number), information about the creditor and its bank (such as an account number), and information such as due dates. The electronically recorded claim specified by the claim number of the record register 421 shown in FIG. 8 has the same claim number as the electronically recorded claim specified by the claim number of the discount service target list 123 shown in FIG. If it is, it indicates that they are the same electronically recorded claim. In addition, the record ledger 421 is stored for each electronically recorded claim, that is, for each claim number, and information such as the claim number, the amount of the claim, the issue date, information on the obligor and its correspondent bank, and the payment date are fixed. Therefore, the transfer date and the creditor information may be stored in a tree structure, for example. The record ledger 421 is stored when the company A concludes a transaction contract with the company B with the electronically recorded claims and the electronically recorded claim processing device 100 pays out the electronically recorded claims at the request of the company A. In addition to this, even when a general electronically recorded claim that is not covered by the debtor discount service is paid out by a company such as Company B, the information on the electronically recorded claim is stored in the record register 421. Will be done.

Returning to FIG. 7, the input / output unit 430 is composed of a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electroro-Luminence) display, and the like, and is a device for inputting / outputting data. The input unit 430 also functions as a communication unit for communicating with each bank via the network 5.

The above is the configuration of the recording device 400. Subsequently, the operation of the electronically recorded claim processing system 1 composed of these devices will be described. Specifically, company A pays out the electronically recorded claims to company B, company B transfers the electronically recorded claims to company C, and company C transfers the electronically recorded claims to bank a before the payment date (transfer of discounted claims). ) By doing so, the operation of each device will be described by taking as an example the case where the company C raises funds.

First, the process of registering the use of the debtor discount service to the company A (pre-registration process) will be described. FIG. 9 is a flowchart showing an example of the pre-registration process performed by the electronically recorded claim processing device 100. The pre-registration process is started by receiving a request from the company A to use the debtor discount service via a network such as the Internet. The request includes information necessary for the examination described later, such as company name, capital stock, number of employees, years of operation, and settlement information such as sales, operating profit, and ordinary profit. There is. Further, the request may be made by, for example, an employee of the company A directly bringing necessary documents or the like to the bank a.

When the pre-registration process is started, the electronically recorded claim processing device 100 examines whether or not the debtor discount service can be used by the company A by the function of the pre-application processing unit 111 (step S11). In step S11, for example, by applying various information included in the received request request to a predetermined examination standard, it is examined whether or not the debtor discount service can be used.

After executing the process of step S11, the electronically recorded claim processing device 100 determines whether or not the examination result of the examination in step S11 is passed by the function of the advance application processing unit 111 (step S12). If the examination result is passed (step S12; Yes), a company code unique to the company A (in this example, the company code of the company A is "000001") is assigned, and the company name and capital included in the received request request. Information such as money, the number of employees, and the number of years of operation are associated with each other and stored in the storage unit 120 as a company information list 121 (see FIG. 3) (step S13). Further, in step S13, the credit balance of the company A is set according to the predetermined credit determination standard, associated with the company code, and the credit amount is set to the initial value “0”. Is stored in the storage unit 120. The example shown in FIG. 4 shows an example in which 10 million yen is set as the credit balance of the company A.

After executing the process of step S13, or when it is determined in step S12 that the examination result is unacceptable (step S12; No), the electronically recorded claim processing apparatus 100 uses the function of the pre-application processing unit 111 to obtain the result. Is notified to the company A via the network (step S14), and the pre-registration process is completed. In the process of step S14, when the process of step S13 is executed, the fact that the debtor discount service is available is notified together with the contents of the stored company information list 121 and the contents of the credit information list 122. If the examination result is unsuccessful, you may notify that fact. As a result of the pre-registration process and the availability of the debtor discount service, the company A can request the withdrawal of the electronically recorded receivables using the service (debtor discount service). Is available).

After the pre-registration process is performed and the debtor discount service becomes available, the company A concludes a commercial transaction with the company B using the electronically recorded receivables using the debtor discount service. Then, the company A requests the bank a to pay out the electronically recorded claims using the service (sends the target claim withdrawal request via the network). The request may be made by an employee of the company A or the like directly bringing necessary documents or the like to the bank a. Upon receiving the withdrawal request for the electronically recorded claim from the company A, the electronically recorded claim processing device 100 executes the claim registration process. The target loan withdrawal request includes the amount of the electronically recorded loan for which the withdrawal is requested, the payment date, the debtor and the creditor, and information on the respective business partner banks. Further, before making the target claim withdrawal request, the company A determines the amount of the electronically recorded claim for which the withdrawal is requested based on the content of the credit information list 122 notified in the process of step S14 on the company A side. It is assumed that it is confirmed that it is within the range of the credit balance. The confirmation performed on the company A side may be performed by confirming the credit balance by accessing the credit information list 122 of the bank a. Further, in this embodiment, an example of requesting the a bank to pay out the electronically recorded receivables using the service is shown, but the a bank may be requested to pay out the electronically recorded receivables not using the service. , The description of this case will be omitted.

In the following, in order to facilitate understanding, a case where Company A requests the withdrawal of an electronically recorded claim (electronically recorded claim using the debtor discount service) with a claim amount of 3 million yen will be described as an example. The credit balance of company A is 10 million yen. Further, in this example, the example in which the company A requests the bank a to pay out the electronically recorded claims using the debtor discount service (sends the target loan withdrawal request via the network) is shown, but the company A has shown an example. It is also possible to conclude a commercial transaction with another company using ordinary electronically recorded receivables that does not use the debtor discount service, and in that case, it is possible to make a general withdrawal instead of the target withdrawal request. The request is sent. In this case, the process of step S25 described later is not executed.

FIG. 10 is a flowchart showing an example of a claim registration process. When the claim registration processing is started, the electronically recorded claim processing device 100 refers to the credit information list 122 by the function of the claim registration processing unit 112, and the credit balance of the company A is less than the claim amount of the electronically recorded claim for which the withdrawal is requested. That is, it is determined whether or not the withdrawal of the electronically recorded claim is permitted (step S21). As described above, the amount of the electronically recorded claim for which the withdrawal is requested is included in the target claim withdrawal request. In this example, since the credit balance of the company A is 10 million yen and the amount of the electronically recorded claim for which the withdrawal is requested is 3 million yen, the withdrawal of the electronically recorded claim is permitted.

If the credit balance of the company A is equal to or greater than the required amount of receivables (step S21; No), the network requests to allow the withdrawal of the electronically recorded receivables and to register the electronically recorded receivables in the record register 421. It is transmitted to the electronic bond recording institution via step 5 (step S22). The claim registration request includes information such as the amount of the claim, the payout date, the due date, the debtor and the creditor, and their respective business partner banks.

On the other hand, on the side of the electronic bond recording institution, the recording device 400 executes the bond information registration process by receiving the bond registration request. In the claim information registration process, the recording device 400 stores the requested information regarding the electronically recorded claim in the record register 421 (step S23) by the function of the claim registration update unit 411, and ends the claim information registration process. In the process of step S23, a claim number for uniquely identifying the electronically recorded claim is numbered (“0000001” in this example) and stored in the record register 421 together with various information included in the claim registration request. For example, when the company A pays out the electronically recorded receivable of 3 million yen to the company B, the information shown at the top of FIG. 8 (the payout date is “2017/11/01”” in the process of step S23. Line information) will be stored respectively. As for the payout date, the date when the claim registration request is received is stored, and if the received request is a claim registration request, the payout is made, and if the received request is a claim transfer request described later, the transfer is made as the date. They are associated and stored respectively. When the information regarding the electronically recorded claim is stored in the record register 421 in step S23, the electronically recorded claim processing device 100 is notified of the registration completion notification indicating that the registration is completed.

After executing the process of step S22, the electronically recorded bond processing device 100 updates the information in the credit information list 122 by the function of the bond registration processing unit 112 (step S24). The process of step S24 may be performed without waiting for the reception of the registration completion notification transmitted from the recording device 400, or may be performed by waiting for and receiving the registration completion notification. In step S24, the claim amount and the credit balance in the credit information list 122 are updated. For example, when company A pays out an electronically recorded loan of 3 million yen, 3 million yen is added to the loan amount of "000001" corresponding to the company code of company A, and 3 million yen is subtracted from the credit balance. It will be 7 million yen.

After executing the process of step S24, the electronically recorded claim processing device 100 stores information about the electronically recorded claim in the discount service target list 123 by the function of the claim registration processing unit 112 (step S25). In this example, in step S25, the information shown in the uppermost row of FIG. 5 (information in the line where the claim number is “0000001”) is stored. As a result, the electronically recorded claim with the claim number "0000001" will be registered as the target of the debtor discount service.

After executing the process of step S25, or when it is determined in step S21 that the credit balance is less than the claim amount (step S21; Yes), the electronically recorded claim processing device 100 is provided with the function of the claim registration processing unit 112. Notify the company (step S26), and end the claim registration process. In step S26, when the process of step S25 is executed, the company A and the company B are notified that the process of steps S23 to S25 has been performed normally, and the registered contents in steps S23 to S25 are respectively registered. Is notified to company A. On the other hand, if it is determined Yes in step S21, the company A and the company B are notified that the requested electronically recorded claim cannot be paid out, that is, the transaction by the electronically recorded bond is impossible. The notification to the company is made through each bank. For example, the notification to the company B is made through the bank b, which is the bank with which the company B deals. Since the electronically recorded claim processing device 100 is provided at the bank a, which is the bank of the company A, the notification to the company A is directly sent to the company A. As a result, a commercial transaction is carried out using an electronically recorded claim with the debtor as company A and the creditor as company B.

Next, a case where the company B transfers the electronically recorded claim to the company C will be described. First, the company B concludes a contract with the company C to transfer the electronically recorded claim having the claim number "0000001" paid out from the company A to the company C. Then, the company B requests the bank b, which is the bank of the business partner, to transfer the electronically recorded claim to the company C (transmits the transfer request of the electronically recorded claim via the network). The transfer request may be made by an employee of company B or the like directly bringing necessary documents or the like to bank b. b When the bank processing device 200 receives the transfer request, the bank processing device 200 executes the receivable transfer processing. The transfer request includes at least the claim number (“0000001” in this example) of the electronically recorded claim for which the transfer is requested, information on the transferor and the transferee, and the respective business partner banks.

FIG. 11 is a flowchart showing an example of the assignment transfer process. When the assignment transfer processing is started, the b bank processing apparatus 200 confirms the content of the transfer request received from the company B by the function of the assignment transfer processing unit 211, and the creditor of the electronically recorded claim is transferred from the company B to the company C. A creditor transfer request requesting that the change be registered in the record register 421 is transmitted to the electronic creditor recording institution via the network 5 (step S31). The claim transfer request includes at least the claim number (“0000001” in this example) of the electronically recorded claim for which the transfer is requested, information on the transferor and the transferee, and their respective business partner banks.

On the other hand, on the side of the electronic bond recording institution, the recording device 400 executes the bond information update process by receiving the bond transfer request. In the bond information registration process, the recording device 400 updates the record book 421 by storing the contents based on the received bond transfer request in the record book 421 by the function of the bond registration update unit 411 (step S32), and the bond information. End the update process. Specifically, in the process of step S32, the electronically recorded claim to be updated is specified by the claim number included in the received claim transfer request, and the information regarding the electronically recorded claim in the record register 421 is newly added and stored. By (adding a new one), the record ledger 421 is updated. For information that does not change, such as the amount of the claim, the debtor, and the due date (information that is not included in the claim transfer request), the information previously stored may be copied and stored. For example, when the company B transfers the electronically recorded claim with the claim number 0000001 paid out from the company A to the company C, the information shown in the second row from the top of FIG. 8 in the process of step S32 (the transfer date is "". Information on the line of "2017/11/10") will be stored respectively. As for the transfer date shown in the figure, the date when the request for transfer of the claim is received may be stored. When new information regarding the electronically recorded claim is stored in the record register 421 in step S32, the electronically recorded claim processing device 100 is notified of the update completion notification indicating that the update is completed.

b After executing the process of step S31, the bank processing apparatus 200 notifies the company by the function of the transfer processing unit 211 (step S33), and ends the transfer processing. The process of step S33 may be performed without waiting for the reception of the update completion notification transmitted from the recording device 400, or may be performed by waiting for and receiving the update completion notification. In step S33, the company B and the company C are notified that the transfer processing of the electronically recorded claims has been completed. The notification to the company is made through each bank. For example, the notification to the company C is made through the bank c, which is the bank with which the company C deals. The notification to the company B is directly sent to the company B because the bank processing device 200 b is provided at the bank b, which is the bank with which the company B deals. As a result, the information on the electronically recorded claims with the debtor as company A and the creditor as company C is registered in the record ledger 421 of the electronic claim recording institution, and the creditor is changed from company B to company C. ..

Next, a case where the company C, which has become a creditor, raises funds by transferring the electronically recorded claim to the bank a (transfer of the discounted claim) before the payment due date will be described. Company C requests Bank a to transfer the discounted claim of the electronically recorded claim having the claim number "0000001" (sends the request to transfer the discounted claim via the network). The request for transfer of the discounted claim may be made by an employee of the company C or the like directly bringing in necessary documents or the like to the bank a. The electronically recorded bond processing device 100 receives the discounted bond transfer request transmitted from the company C by the purchase processing unit 113 via the input / output unit 130, and executes the bond purchase process. The request for transfer of the discounted claim includes at least the claim number of the electronically recorded claim (“0000001” in this example) requesting the transfer of the discounted claim. The discounted claim transfer request may include information on the amount of the claim, the due date, and the obligor or creditor.

FIG. 12 is a flowchart showing an example of a bond purchase process. When the bond purchase processing is started, the electronically recorded loan processing device 100 uses the function of the purchase processing unit 113 to target the electronically recorded loan specified by the bond number included in the discounted loan transfer request to the debtor discount service. It is determined whether or not the claim is an electronically recorded claim (step S41). In step S41, it is determined whether or not the electronically recorded claim specified by the claim number included in the discount claim transfer request is the debtor discount service target with reference to the discount service target list 123. Specifically, it is an electronically recorded claim subject to the debtor discount service by confirming whether or not the information corresponding to the claim number included in the discount claim transfer request is stored in the discount service target list 123. Judge whether or not. When the company C requests the bank a to transfer the discounted claim of the electronically recorded claim with the claim number "0000001", the electronically recorded claim processing device 100 corresponds to the claim number "0000001" as shown in FIG. Since the information to be used is stored in the discount service target list 123, it is determined in the process of step S41 that the electronically recorded claim is the debtor discount service target.

When it is determined in step S41 that the claim is an electronically recorded claim subject to the debtor discount service (step S41; Yes), the electronically recorded claim processing device 100 uses the function of the purchase processing unit 113 to obtain the claim of the electronically recorded claim. The purchase is made at the amount obtained by discounting (subtracting) the debtor discount amount from the amount (step S42). For example, in the process of step S42, in the case of the electronically recorded claim with the claim number "0000001", the claim amount is 3 million yen, so the purchase is made at 2.8 million yen after deducting the debtor discount amount (200,000 yen). I do. The purchase may be carried out by the payment of the purchase amount of funds from the bank a to the account of the company C. Further, the debtor discount amount may be calculated by a predetermined calculation method, and may be a different value depending on, for example, the creditor's credit balance and creditworthiness (for example, the above-mentioned five-step evaluation of A to E). Such a calculation method may be preset with reference to the credit information list 122, the company information list 121, and the like (the same applies to the creditor discount amount). Specifically, as described above, when the discount service target list 123 includes the discount rate, the debtor discount amount may be calculated by applying the discount rate. Further, when the processing of step S42 is executed, the creditor changes from the company C to the bank a. Therefore, as in the case of the processing of step S31 of FIG. 11, the creditor of the electronically recorded creditor changes from the company C to a. A creditor transfer request requesting that the change to the bank be registered in the record register 421 is transmitted to the electronic creditor recording institution via the network 5.

On the other hand, when it is determined that the electronically recorded loan is not the target of the debtor discount service (step S41; No), the electronically recorded loan processing device 100 is a bank of company C due to the function of the purchase processing unit 113. Request the credit information (creditor information) of company C from the bank and acquire the creditor information (step S43). The creditor information is the credit information of the company C included in the credit information list 122 held by the bank c, and is the information including at least the credit balance of the company C which is the creditor. In addition to the credit balance, information such as financial statements of company C and capital may be included. In the process of step S43, an example of requesting the creditor information from the bank c to acquire the creditor information is shown. In addition to this, for example, the company C requests the creditor information from the company C, and the company C obtains the creditor information. Creditor information may be transmitted to bank a (more specifically, the electronically recorded credit processing device 100 of bank a), or employees of company C may directly bring necessary documents to bank a. You may get it. As described above, the creditor information may include credit information in which the creditworthiness of the company is evaluated in stages (for example, a five-level evaluation of A to E). Further, when the credit information (creditor information) of the company C is acquired from the bank c in step S43, the bank a may pay the bank c a fee for acquiring the creditor information.

After executing the processing of step S43, the electronically recorded credit processing device 100 discounts the credit balance (creditor credit) of the company C included in the creditor information acquired in step S43 by the function of the purchase processing unit 113. It is determined whether or not the amount of the electronically recorded claim for which the assignment of the claim has been requested is less than the amount of the claim (step S44). In this example, in step S44, it is determined whether or not the credit balance (creditor credit) of the company C is less than 3 million yen, which is the credit amount of the electronically recorded claim.

When the creditor credit is equal to or greater than the credit amount (step S44; No), the electronically recorded credit processing device 100 uses the function of the purchase processing unit 113 to reduce the creditor discount amount (debtor discount amount) from the credit amount of the electronically recorded credit. The purchase is made at the discounted (subtracted) amount (step S45). For example, in the process of step S45, in the case of an electronically recorded claim with a claim number "0000001", the amount of the claim is 3 million yen, so the purchase is made at 2.7 million yen after deducting the creditor discount amount (assumed to be 300,000 yen). I do. The purchase may be carried out by the payment of the purchase amount of funds from the bank a to the account of the company C. Further, the creditor discount amount may be calculated by a predetermined calculation method so as to be larger than the debtor discount amount. For example, the creditor's credit balance and creditworthiness (for example, A to E described above). It suffices if the calculation method is set in advance so that the value becomes different according to the five-step evaluation). When the processing of step S45 is executed, the creditor changes from company C to bank a. Therefore, as in the case of processing step S31 in FIG. 11, the creditor of the electronically recorded claim changes from company C to bank a. A creditor transfer request requesting that the change be registered in the record register 421 is transmitted to the electronic creditor recording institution via the network 5.

When the process of step S42 or step S45 is executed, the assignment transfer request is transmitted to the electronic assignment recording institution via the network 5. On the side of the electronic bond recording institution, when the recording device 400 receives the bond transfer request, the bond information update process is executed in the same manner as in the case shown in FIG. In the bond information registration process, the recording device 400 updates the record book 421 by storing the contents based on the received bond transfer request in the record book 421 by the function of the bond registration update unit 411 (step S32), and the bond information. End the update process. Specifically, in the process of step S32, information is newly added and stored (newly added) with the creditor of the electronically recorded claim of the claim number "0000001" in the record register 421 as bank a. Update the original book 421. That is, the information shown in the third row from the top of FIG. 8 (information in the line where the transfer date is "2017/11/17") is stored. When new information regarding the electronically recorded claim is stored in the record register 421 in step S32, the electronically recorded claim processing device 100 is notified of the update completion notification indicating that the update is completed.

Returning to FIG. 12, after executing any of the processes of step S42 and step S45, or when it is determined in step S44 that the creditor credit is less than the credit amount (step S44; Yes), the electronically recorded bond processing device. 100 notifies the company by the function of the purchase processing unit 113 (step S46), and ends the creditor purchase processing. The process of step S46 may be performed without waiting for the reception of the update completion notification transmitted from the recording device 400, or may be performed by waiting for and receiving the update completion notification (step). When the process of S42 or step S45 is executed). In step S46, for example, when the process of step S42 or step S45 is executed, the company C is notified that the transfer of the discounted receivables of the electronically recorded receivables is completed. Specifically, when the processing of step S42 is executed, the fact that the discount has been performed at the debtor discount amount and the purchase details thereof are notified, and when the processing of step S45 is executed, the creditor discount amount is applied. Notify that the discount has been made and the purchase details. Further, when it is determined in step S44 that the creditor credit is less than the amount of the claim (step S44; Yes), the company C is notified that the transfer of the discounted claim of the electronically recorded claim is impossible. As a result, the electronically recorded claim with the claim number "0000001" owned by the company C is transferred to the bank a as a discounted claim, and the company C can raise funds. Further, in step S41, it is determined whether or not the loan is an electronically recorded claim that is subject to the debtor discount service, and if it is a target, the discount is given at the debtor discount amount, and if it is not, the creditor discount amount is used. Since each purchase is made at a discount, the company C can raise appropriate funds.

Next, a case where the payment due date of the electronically recorded claim has arrived will be described. As shown in FIG. 8, the payment date of the electronically recorded claim (electronically recorded claim with the claim number “0000001”) in this example is February 7, 2018. Therefore, February 7, 2018 will be described as an example. As described above, the debtor is company A and the creditor is bank a (because company C transferred the discounted debt to bank a). The recording device 400 executes the due date processing when the electronically recorded claim is registered in the record register 421, manages whether or not the payment due date of the electronically recorded claim has arrived, and if the payment due date has arrived, that fact. Is processed.

FIG. 13 is a flowchart showing an example of due date processing performed by the recording device 400. When the due date processing is executed, the recording device 400 determines whether or not the due date has arrived by the function of the due date notification unit 412 (step S51). In the process of step S51, the payment due date of the electronically recorded claim registered in the record register 421 may be compared with the date and time information in the built-in timekeeping device to determine the arrival of the payment due date. If the payment due date has not arrived (step S51; No), the recording device 400 ends the due date processing as it is.

On the other hand, when it is determined that the payment due date has arrived (step S51; Yes), the recording device 400 notifies that the payment due date has arrived by the function of the due date notification unit 412, and the claim of the electronically recorded claim that has arrived. Notification of the due date is notified by transmitting a due date notification including the number, the amount of the claim, and the information of the obligee to the obligor and the obligor's bank (step S52). In this example, the due date of the electronically recorded claim with the claim number "0000001" has arrived, the amount of the claim is 3 million yen, and the creditor is bank a, which is the bank of company A and company A. Notified to a bank (notification to company A is omitted in the illustrated example). Then, when the electronically recorded claim processing device 100 of the bank a receives the due date notification, the remittance processing is executed. In the remittance processing, first, the remittance amount is transferred from the debtor's account to the creditor's account by the function of the remittance processing unit 114 (step S53). In this example, remittance of 3 million yen, which is the amount of receivables, is performed from the account of company A to the account of bank a.

After executing the process of step S53, the electronically recorded claim processing device 100 updates the credit information of the company A included in the credit information list 122 by the function of the remittance processing unit 114 (step S54). Specifically, in the process of step S54, 3 million yen is subtracted from the amount of the claim and 3 million yen is added to the credit balance. For example, if the credit amount of company A is 3 million yen and the credit balance is 7 million yen, the credit amount is 0 yen and the credit balance is 10 million yen.

After executing the process of step S54, the electronically recorded bond processing device 100 deletes the information regarding the corresponding bond number from the discount service target list 123 by the function of the remittance processing unit 114 (step S55), and ends the remittance process. .. In the process of step S55, for example, the information regarding the credit number “0000001” shown in FIG. 5 is deleted. In the process of step S55, a payment completion notice indicating that the payment has been completed, that is, the process to be performed due to the arrival of the payment due date has been completed is transmitted to the recording device 400 of the electronic bond recording institution. On the side of the recording device 400, after the processing of step S52, the payment completion notification is received, and the function of the claim registration renewal unit 411 deletes the information regarding the electronically recorded claim whose payment date has arrived from the record register 421. (Step S56), and the due date processing is completed. In the process of step S56, for example, all the information related to the credit number “0000001” shown in FIG. 8 is deleted. For example, in step S53, if the remittance of the amount of the claim is not normally performed due to insufficient balance, the processing after step S54 is not executed, and the company A and the recording device 400 are notified to that effect. The remittance process and the due date process may be completed. As described above, the debtor pays the amount of the electronically recorded claim to the creditor for the electronically recorded claim whose payment date has come, and the settlement with the electronically recorded claim is completed.

The above is the operation of the electronically recorded claim processing system 1. In this way, the electronically recorded claim processing device 100 in the electronically recorded claim processing system 1 determines whether or not the electronically recorded claim for which the transfer of the discounted claim is requested is an electronically recorded claim subject to the debtor discount service. If it is eligible, the purchase will be made at a discounted amount of the debtor discount amount, and if it is not applicable, the credit information of the creditor will be acquired and the purchase will be made at the discounted amount of the creditor discount amount. Therefore, it is possible to appropriately transfer the discounted receivables to the electronically recorded receivables that are circulated from time to time, and it is possible to realize suitable financing for the creditors.

(Modification example)
The present invention is not limited to the above embodiment, and various modifications and applications are possible. For example, the electronically recorded claim processing apparatus 100 does not have to have all the technical features shown in the above embodiment, and will be described in the above embodiment so as to solve at least one problem in the prior art. It may have a part of the configuration. Further, at least a part of each of the following modifications may be combined.

In the above embodiment, it is determined whether or not the electronically recorded loan (electronically recorded loan to be purchased) specified by the bond number included in the discounted loan transfer request is the target of the debtor discount service, and if it is the target. For example, an example is shown in which the purchase is made by discounting (subtracting) the debtor discount amount from the amount of the electronically recorded loan, but this is an example. The discount amount calculated by a predetermined calculation method based on the debtor's credit line, such as the debtor discount, is not the discount amount that fluctuates based on the debtor's credit line, but the target of the service. If so, a fixed amount whose discount amount is lower than the creditor discount amount may be discounted.

Further, in the above embodiment, when it is determined in step S42 of FIG. 12 that the creditor is an electronically recorded claim that is not the target of the debtor discount service, the credit information of the company C (the credit information of the company C to the bank c, which is the bank of the company C, ( An example of requesting creditor information) and acquiring creditor information is shown, but this is just an example. For example, the electronic claim processing device 100 may request the bank c to purchase the electronically recorded claim and calculate the creditor discount amount. That is, the bank c may be made to perform the processing of step S44 in FIG. 12 and the calculation of the creditor discount amount in step S45. Then, the electronic claim processing device 100 may receive the result and execute the purchase to which the creditor discount amount is applied.

Further, in the above embodiment, when the balance of the credit line (credit balance) of the company A in step S21 in FIG. 10 is less than the credit amount of the electronically recorded claim for which the withdrawal is requested, that is, when the credit balance is insufficient. Shown an example in which the electronically recorded claim cannot be paid out, but this is just one example. For example, even if the credit balance is less than the amount of the electronically recorded claim for which the withdrawal is requested, the withdrawal of the electronically recorded claim may be permitted. In that case, when the total value of the total credit lines of the plurality of companies is equal to or greater than the amount of the claim, the conditions for using the debtor discount service in the above embodiment may be satisfied. Hereinafter, the operation of the electronically recorded claim processing system 1 in such a case will be described.

The electronically recorded claim processing device 100 constituting the electronically recorded claim processing system 1 in the modified example is different from the above embodiment, and as shown in FIG. 14, is not a bank a but a credit recording institution different from any bank. (It is assumed that the bank a bank processing device 100A having the function of the credit registration processing unit 112 in the above embodiment is installed in the bank a). As shown in the figure, the credit recording institution is communicably connected to the a bank, the b bank, the c bank, the d bank and the electronic credit recording institution via the network 5. Bank d is the bank with which Company D deals. In the modified example, the company A pays out the electronically recorded credit (assuming the credit amount is 10 million yen) in excess of its own credit balance (5 million yen) to the company B, and the company B gives the electronically recorded debt to the company C. By transferring, the company C transfers the electronically recorded credit to the company D, and the company D transfers the electronically recorded credit to the bank d (discounted credit transfer) before the payment date, so that the company D transfers the debtor discount service. The case of raising funds using is described as an example. In the modified example, when the company B transfers to the company C and when the company C transfers to the company D, the transferor company B and the company C use their own credit facility. It is assumed that the permission is permitted (in this example, it is assumed that the company B permits the use of the credit limit of 3 million yen and the company B permits the use of the credit limit of 2 million yen).

First, as in the above embodiment, when the request for withdrawal of the electronically recorded claim using the debtor discount service is received from the company A, the bank processing apparatus 100A a bank processing device 100A performs the claim shown in FIG. 15 by the function of the claim registration processing unit 112. Execute the registration process. In the modified example, unlike the claim registration process shown in FIG. 10, when the credit balance of the company A is less than the requested bond amount in step S21 in the claim registration process (step S21; Yes), the company A Based on the above request, an execution request requesting execution of the claim information provisional registration process for provisionally registering the electronically recorded claim is transmitted to the recording device 400 (step S27).

The recording device 400 executes the claim information provisional registration process by receiving the execution request of the claim information provisional registration process. In the claim information provisional registration process, the recording device 400 stores the requested information on the electronically recorded claim in the record register 421 by the function of the claim registration update unit 411 (step S28), and ends the claim information registration process. In the process of step S28, as in the process of step S23 shown in FIG. 10, a claim number for uniquely identifying the electronically recorded claim is numbered (“00000005” in this example), and together with various information included in the execution request. Although it is stored in the record master 421, in the process of step S28, unlike the process of step S23 shown in FIG. 10, it is a temporary registration so that it can be specified that it is a temporary registration, that is, it is a candidate to be actually registered. Temporary registration information indicating that it is in a state is also stored in the record master 421. When various information is stored by the process of step S28, a temporary registration completion notification indicating that the temporary registration is completed is notified to the bank processing apparatus 100A.

When the bank processing device 100A receives the provisional registration completion notification from the recording device 400 after executing the process of step S27, the bank processing device 100A updates the information in the credit information list 122 (step S29). The process of step S29 may be performed in the same manner as the process of step S24 in FIG. For example, if the credit line of the company A is 6 million yen, the company A can specify the credit line to be used this time as 5 million yen, and in the process of step S29, the credit line used is based on the designated credit line. All you have to do is update your credit balance. When the process of step S29 is performed, the execution request of the credit registration process for registering the credit line (5 million yen) used by the company A as credit information is transmitted to the electronically recorded bond processing device 100. The request for execution of the credit registration process includes the claim number (“00000005” in this example) of the electronically recorded claim for which provisional registration has been performed, the claim amount, and the company, which are included in the provisional registration completion notification received from the recording device 400. At least the credit information which is the credit line (5 million yen) used by A is included.

On the credit recording institution side, the electronically recorded claim processing device 100 executes the credit registration process by receiving the execution request of the credit registration process. In the credit registration process, the electronically recorded bond processing device 100 registers the credit information included in the execution request by the function of the bond registration processing unit 112 (step S300). Specifically, in step S30, the bond number (“0000005”), the bond amount (10 million yen), the credit user (company A), and the credit information (5 million yen) are stored in association with each other. Store in part 100.

After executing the process of step S300, the electronically recorded claim processing apparatus 100 uses the function of the claim registration processing unit 112 to determine whether the total amount of credit information registered in step S300 (total credit amount) is less than the claim amount. It is determined whether or not (step S310). Specifically, in step S310, it is determined whether or not the total amount of credit information corresponding to the electronically recorded claims having the same credit number is less than the credit amount of the electronically recorded claims. When the total credit amount is equal to or greater than the amount of the claim (step S310; No), the electronically recorded claim processing device 100 assumes that the conditions for using the debtor discount service are satisfied, and the function of the claim registration processing unit 112 causes step S25 in FIG. The information regarding the electronically recorded claim is stored in the discount service target list 123 (step S320) in the same manner as in the process of.

As described above, when the process of step S320 is executed, the conditions for using the debtor discount service are satisfied. Therefore, the electronically recorded claim processing device 100 provisionally registers the electronically recorded claim with the recording device 400. A request for renewal from the state to the main registration state (main registration renewal request), and a creditor (company D) for the electronically recorded claim and a credit line user who uses the credit line for the electronically recorded claim ( Notify the parties including Company A, Company B, and Company C) that the conditions for using the debtor discount service have been established. Upon receiving the main registration renewal request, the recording device 400 may perform a process of erasing the provisional registration information stored in the record register 421 for the electronically recorded claim.

After executing the process of step S320, or when the total credit amount is less than the credit amount in step S310 (step S310; Yes), the electronically recorded claim processing device 100 ends the credit registration process and the credit information is registered. Notify the device that requested the execution of the credit registration process that the credit registration process has been completed.

Next, a case where the company B transfers the electronically recorded claim to the company C will be described. As described above, it is assumed that when the transferor company B transfers to the company C, the company B permits the use of the credit line of 3 million yen. When the company B transfers the electronically recorded claim to the company C, the bank processing apparatus 200 b executes the claim transfer process shown in FIG. 11 as in the above embodiment. In the modification, in addition to transmitting the credit transfer request to the electronic credit recording institution via the network 5 in step S31 in the credit transfer process, the credit line used by the transferor, Company B, is used. The information in the credit information list 122 is updated (similar to the process in step S24 in FIG. 10). For example, if the credit line of company B is 5 million yen, company B can specify the credit line to be used this time as 3 million yen, and in the process of step S31 in the modification, the designated credit line is used. The credit balance may be updated based on the limit. When the process of step S31 is performed, the execution request of the credit registration process for registering the credit line (3 million yen) used by the company B as credit information is transmitted to the electronically recorded bond processing device 100. The request for execution of the credit registration process includes the claim number (“0000005” in this example) of the electronically recorded claim to be transferred, the amount of the claim (10 million yen), the credit user (company B in this example), and company B. It contains at least the credit information that is the credit line (3 million yen) used by. On the credit recording institution side, the electronically recorded claim processing device 100 executes the credit registration process shown in FIG. 15 by receiving the execution request of the credit registration process from the company B (the credit registration process is described above. Omitted). When the company B transfers the electronically recorded loan to the company C in this way, the credit information (3 million yen), which is the credit line used by the company B, is registered in the credit recording institution, and the total amount of the credit information (the total amount of the credit information (3 million yen)). It is determined whether or not (8 million yen) is less than the claim amount (10 million yen) of the electronically recorded claim. Then, it is determined that the total amount of credit information is less than the amount of the claim, the conditions for using the debtor discount service remain unsatisfied, and the electronically recorded claim in the record register 421 of the recording device 400 remains in the provisional registration state.

The case where the company C transfers the electronically recorded claim to the company D is the same as the case where the company B transfers the electronically recorded claim to the company C, but when the transferor company C transfers the electronically recorded claim to the company D. Assuming that Company C permits the use of the credit limit of 2 million yen, the credit information (2 million yen), which is the credit limit used by Company C, is registered in the credit recording institution, and the credit information is totaled. It is determined whether or not the amount (10 million yen) is less than the claim amount (10 million yen) of the electronically recorded claim. Then, it is determined that the total amount of credit information is equal to or greater than the amount of the claim, the conditions for using the debtor discount service are satisfied, and the electronically recorded claim in the record register 421 of the recording device 400 is updated from the provisional registration state to the main registration state. NS.

Next, a case will be described in which the company D transfers the electronically recorded receivables to the bank d (discounted receivables transfer) before the payment due date, so that the company D raises funds by using the debtor discount service. Company D requests the bank d to transfer the discounted claim of the electronically recorded claim having the claim number "0000005" (sends the request to transfer the discounted claim via the network). The request for transfer of the discounted claim may be made by an employee of the company D or the like directly bringing necessary documents or the like to the bank d.

d When the bank processing apparatus 500 receives the discounted bond transfer request from the company D, the bank processing device 500 executes the bond purchase process shown in FIG. In the claim purchase processing in the modification, in step S41 shown in FIG. 12, whether or not the electronically recorded claim that is the subject of the discount claim transfer request is the electronically recorded claim that is the subject of the debtor discount service is determined by the electronically recorded claim processing. Inquire about the device 100 (send a service target confirmation request). When the electronically recorded claim processing device 100 receives the service target confirmation request, the discount service target list 123 is referred to, and the information corresponding to the credit number included in the service target confirmation request is displayed in the discount service target list 123. By confirming whether or not it is stored, it is determined whether or not it is an electronically recorded claim subject to the debtor discount service, and the determination result is transmitted to the d bank processing apparatus 500. Then, in step S41 shown in FIG. 12, the d-bank processing device 500 discounts the electronically recorded claim, which is the subject of the discount claim transfer request, according to the determination result transmitted from the electronically recorded claim processing device 100. It suffices to determine whether or not it is the target of the service. The processing after step S41 is the same as the processing shown in FIG. In the modified example, since the bank d, which is the trading bank of the company D, makes the purchase, the creditor information such as the credit information of the company D already exists in the bank d. Therefore, in the modification, the process of step S43 may be skipped. Further, in this example, it is assumed that the electronically recorded loan is the target of the debtor discount service, and that the bank d purchased the loan for 9.8 million yen (the debtor discount amount is 200,000 yen). Further, when calculating the debtor discount amount, the credit information stored in the electronically recorded loan processing device 100 is referred to. For example, the higher the ratio of companies with high creditworthiness, the lower the debtor discount amount. The amount of the debtor discount may be calculated according to the credit ratio (the ratio of which company uses the credit of what ratio of the loan amount) and the creditworthiness of the company.

Next, a case where the payment due date of the electronically recorded claim has arrived will be described. The debtor is company A and the creditor is bank d (because company D transferred the discounted claim to bank d), and the credit user for the electronically recorded claim (the credit number (“00000005”) at the credit registration institution. Those who have registered the credit information corresponding to)) are company A, company B, and company C. Similar to the above embodiment, the recording device 400 executes the due date processing when the electronically recorded claim is registered in the record register 421, manages whether or not the due date of the electronically recorded claim has arrived, and has a payment due date. Is executed to notify the fact when the message arrives.

FIG. 16 is a flowchart showing an example of due date processing and the like in the modified example. Note that FIG. 13 shows an example in which the electronically recorded claim processing device 100 performs the remittance processing, but in the modified example, the bank a bank processing device executes the remittance processing. Further, here, a part different from the due date processing and the remittance processing shown in FIG. 13 will be described. In the remittance processing in the modified example, the remittance processing is performed by remittance of 10 million yen, which is the amount of the receivable, from the bank account of the debtor company A to the bank account of the creditor d bank in the processing of step S53. finish. Then, when the process of step S53 is performed, the creditor d bank is notified that the remittance has been performed (“F” shown in FIG. 16), and the payment completion notification is notified by the recording device of the electronic creditor recording institution. Sent to 400.

d The bank processing device 500 receives a notification that the remittance has been performed, and executes a confirmation process, which is a process for confirming the payment. When the confirmation process is started, first, the d-bank processing apparatus confirms the account of the d-bank and confirms that the deposit of 10 million yen, which is the amount of the claim, has been made (step S57). If the payment has not been made in step S57, the debtor may be notified to that effect. If the payment is confirmed normally (when it is confirmed that the payment of 10 million yen, which is the amount of the claim, has been made), in step S57, the payment confirmation completion notification is sent to the bank processing device 100A, which is the remittance source. You will be notified. Upon receiving the payment confirmation completion notification, the bank processing device 100A transmits the payment completion notification to the recording device 400.

When the payment is confirmed normally in the process of step S57 (when it is confirmed that the deposit of 10 million yen, which is the amount of the claim, has been made), the d bank processing device 500 is stored in the electronic bond processing device 100. The credit ratio is confirmed with reference to the credit information provided (step S58). As for credit information, for example, as an electronically recorded claim with a claim number "0000005", the amount of the claim is 10 million yen, the credit user company A uses 5 million yen, and the credit user for the electronically recorded claim. It is remembered that a certain company B uses 3 million yen and a company C spends 2 million yen. Therefore, in step S58, the credit ratio is 5: 3: 2 for company A: company B: company C.

Further, when the process of step S58 is executed, the d-bank processing apparatus 500 has the corresponding claim number from the discount service target list 123 stored in the electronic claim processing device 100 (“00000005” in this example). In addition to deleting the information related to the credit information, an instruction to delete the credit information corresponding to the claim number (“0000005” in this example) is transmitted. On the side of the electronic bond processing device 100, these information are deleted according to the instruction. Further, when the process of step S58 is executed, the d-bank processing apparatus 500 updates the credit information list to the bank of the credit user in order to update the credit information list of the credit user stored as the credit information. Send an instruction to make the transaction (credit information list update instruction). The bank processing device that receives the credit information list update instruction subtracts the credit amount (10 million yen) from the credit amount and adds the amount corresponding to the credit limit used for the credit balance (500 in the case of company A). 10,000 yen, 3 million yen for company B, 2 million yen for company C).

After executing the process of step S58, the d-bank processing apparatus 500 pays a fee to the bank account of the credit user's bank based on the credit ratio confirmed in the process of step S58 (step S59). If the electronically recorded claim with the claim number "000055" is purchased by the d bank for 9.8 million yen, the d bank has a profit of 200,000 yen. In the process of step S59, for example, 100,000 yen out of the profit of 200,000 yen is set to the credit ratio confirmed in step S57 (company A: company B: company C is 5: 3: 2). It will be divided into 50,000 yen, 30,000 yen and 20,000 yen, respectively, and will be sent as a fee to the bank account of each bank. The ratio of remittance as a commission to the profit may be set in advance. Further, the fee is a fee for each bank having performed the registration procedure of the credit information of each company (that is, having the electronically recorded credit processing device 100 perform the credit registration processing of FIG. 14). .. After executing the process of step S59, the d-bank processing apparatus 500 ends the confirmation process.

In this way, when the debtor's credit limit balance (credit balance) is less than the amount of the electronically recorded receivables requested to be paid out (that is, when the credit balance is insufficient), the total of the credit limits of multiple companies. By setting the value to be equal to or greater than the amount of the debtor as a condition for using the debtor discount service, the creditor can appropriately raise funds while ensuring the safety of the bank (financial institution) that purchases the debt. ..

When the above-mentioned functions are realized by sharing the OS (Operating System) and the application, or by cooperating with the OS and the application, only the part other than the OS may be stored in the medium.

It is also possible to superimpose a program on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board system (BBS, Bulletin Board System) on a communication network, and the program may be distributed via the network. Then, by starting these programs and executing them in the same manner as other application programs under the control of the operating system, the above-mentioned processing may be executed.

1 Electronically recorded loan processing system, 5 network, 100 Electronically recorded loan processing device, 100A a bank processing device, 110 control unit, 111 advance application processing unit, 112 credit registration processing unit, 113 purchase processing unit, 114 remittance processing unit, 120 Storage unit, 121 company information list, 122 credit information list, 123 discount service target list, 130 input / output unit, 200 b bank processing device, 120 210 control unit, 211 credit transfer processing unit, 220 storage unit, 230 input / output unit, 300 c bank processing device, 400 recording device, 410 control unit, 411 credit registration renewal unit, 412 due date notification unit, 420 storage unit, 421 record ledger, 430 input / output unit, 500 d bank processing device

Claims (6)

Electronically stored at the time of withdrawal of the electronically recorded claim, the permission information indicating that the electronically recorded claim is an electronically recorded claim paid out based on the credit of the obligor and the predetermined specific discount is permitted. Recorded loan storage means and
A purchase request receiving means for receiving a purchase request requesting the purchase of the electronically recorded claim, and
Whether or not the electronically recorded claim specified by the purchase request received by the purchase request receiving means is an electronically recorded claim for which the specific discount is permitted is the permission stored in the electronically recorded claim storage means. Judgment means for judgment based on information,
It is provided with an electronically recorded claim purchasing means for purchasing by discounting a predetermined amount from the amount of the electronically recorded claim specified by the purchase request.
When the determination means determines that the electronically recorded claim is an electronically recorded claim that is permitted to be purchased at the specific discount, the electronically recorded claim purchasing means discounts the amount of the specified discount as the predetermined amount and uses the determination means. If it is determined that the claim is an electronically recorded claim that is not permitted to be purchased at the specified discount, the amount of the predetermined amount is larger than the amount of the specified discount and is calculated based on the credit of the creditor. Discount,
An electronically recorded loan processing device characterized by this. When the determination means determines that the electronically recorded claim is not permitted to be purchased at the specific discount, the creditor credit acquisition means for acquiring information on the credit of the creditor from the financial institution of the creditor's business partner. Further prepared,
The electronically recorded creditor purchasing means discounts the amount calculated based on the information on the creditor's credit acquired by the creditor's credit acquisition means as the amount calculated based on the creditor's credit.
The electronically recorded claim processing apparatus according to claim 1. Further equipped with a debtor credit acquisition means for acquiring information on the debtor's credit,
The electronically recorded claim purchasing means discounts the amount calculated based on the information on the debtor's credit acquired by the debtor credit acquisition means as the amount by the specific discount.
The electronically recorded claim processing apparatus according to claim 1 or 2. For electronically recorded claims generated when the credit balance of the debtor is less than the amount of the claim, the credit frame used among the credit balances of the debtor and the creditor in association with the identification information of the electronically recorded claim. Further equipped with a credit balance storage means for storing credit information used to indicate
The electronically recorded claim storage means is specified on the condition that the total of the credit information used by the obligor and the creditor stored in the credit balance storage means is equal to or greater than the credit amount of the electronically recorded claim. Stores information about the electronically recorded claim as an electronically recorded claim for which discounts are permitted.
The electronically recorded claim processing apparatus according to any one of claims 1 to 3. It is an electronically recorded claim processing method in an electronically recorded claim processing device.
Electronically recorded permission information indicating that the electronically recorded claim storage means is an electronically recorded claim paid out based on the credit of the obligor and is an electronically recorded claim for which a predetermined specific discount is permitted. Steps to remember when paying out receivables
A purchase request receiving step in which the purchase request receiving means receives a purchase request requesting the purchase of the electronically recorded claim, and
The determination means stores in the electronically recorded claim storage means whether or not the electronically recorded claim specified by the purchase request received in the purchase request receiving step is an electronically recorded claim for which the specific discount is permitted. Judgment step to judge based on the said permission information and
The electronically recorded claim purchasing means includes an electronically recorded claim purchase step in which a predetermined amount is discounted from the amount of the electronically recorded claim specified by the purchase request and the purchase is made.
In the electronically recorded claim purchase step, when it is determined in the determination step that the electronically recorded claim is permitted to be purchased at the specific discount, the amount due to the specific discount is discounted as the predetermined amount, and the determination step is performed. If it is determined that the claim is an electronically recorded claim that is not permitted to be purchased at the specific discount, the predetermined amount is larger than the amount due to the specific discount and is calculated based on the credit of the creditor. Discount,
An electronically recorded loan processing method characterized by this. Computer,
Electronically stored at the time of withdrawal of the electronically recorded claim, the permission information indicating that the electronically recorded claim is an electronically recorded claim paid out based on the credit of the obligor and the predetermined specific discount is permitted. Recorded loan storage means,
Purchase request receiving means for receiving a purchase request requesting the purchase of the electronically recorded claim,
Whether or not the electronically recorded claim specified by the purchase request received by the purchase request receiving means is an electronically recorded claim for which the specific discount is permitted is the permission stored in the electronically recorded claim storage means. Judgment means for judgment based on information,
It functions as an electronically recorded claim purchase means for purchasing by discounting a predetermined amount from the amount of the electronically recorded claim specified by the purchase request.
When the determination means determines that the electronically recorded claim is an electronically recorded claim that is permitted to be purchased at the specific discount, the electronically recorded claim purchasing means discounts the amount of the specified discount as the predetermined amount and uses the determination means. If it is determined that the claim is an electronically recorded claim that is not permitted to be purchased at the specified discount, the amount of the predetermined amount is larger than the amount of the specified discount and is calculated based on the credit of the creditor. Discount,
A program characterized by that.

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