JP2001184442A - Fund management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a fund management system to efficiently manage a fund and decrease the fund needed for business by eliminating the need to for each group company to expect money reception for the payment of debts on settlement days and prepare extra funds corresponding to the payment of the debts. SOLUTION: A credit and debt managing company is made to buy respective credit and debts generated as a result of dealings among group companies and cancel those bought credit and debts, and when the debuts that each group company transfers are larger than the credit that the company transfers, money corresponding to the exceeding amount is paid to the credit and debt managing company through a group-company side bank. When the credit that each group company transfers is larger than the transferred debts, the credit and debt managing company pays money corresponding to the exceeding amount to the group company through a credit and debt managing company side band.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fund management system, and more particularly to a fund management system for efficiently managing funds in each member company and reducing the amount of funds required for the business of each member company as a whole. Regarding operational systems.

[Prior art]

[0002] In transactions between companies (company), settlement is made by cash or check every time a transaction is made. In a continuous transaction between companies, delivery of goods and provision of services are usually performed. First, claim the claim, then, for example, every month, 10 days, 20 days
It is a common practice to set a fixed settlement date such as a day, the last day of a month, etc., settle the settlement date, and settle the settlement.

[0003]

By the way, on the settlement date such as the last day of the month, each company collects the receivables and pays out the debts at the same time. It is not always possible to use the amount of the loan to be collected as the amount of the debt payment as it is not necessarily funded.

[0004] This is because a check issued to pay the debt of the debtor company or a check issued to remit the debt amount is settled at the bank of the debtor company. This usually takes one day or two days, and the remittance of the receivables could not be processed on the same day.

[0005] For this reason, even on a settlement date such as the last day of the month, even if a company collects receivables more than debt payments, it is necessary to prepare extra funds corresponding to the debt payments separately in advance. Or, for a company that draws out bills and pays debts, it must separately prepare extra funds in advance on the date of the bills, and therefore, There was an inconvenience that the amount of funding required for the project as a whole increased.

[0006]

SUMMARY OF THE INVENTION In order to eliminate the above-mentioned disadvantages, the present invention provides terminal devices for a plurality of member companies with a plurality of member companies having credits and obligations. A terminal for each member company's bank of each member company's transaction bank of each member company is provided in contact with each other, and a credit management company that has joined each member company is contacted with the terminal for each member company. A processing means is provided, and the processing means is provided in contact with a terminal device for a bank of a management company of a transaction bank of a receivable and debt management company of the receivable and debt management company, and the terminal device for a bank of the management company is connected to the terminal device for a bank of each of the member companies. A bank terminal is provided in contact therewith, and the debt management company is made to purchase each debt generated by the transaction performed between the plurality of member companies, and the processing means removes each of the purchased debts. Management offset processing In addition, if the debt transferred at each of the member companies is larger than the transferred loan, the amount corresponding to the larger amount is paid to the credit / debt management company through the bank at the member company side, and the member company is In the case where the transferred receivables are larger than the transferred receivables, an amount corresponding to the larger amount is paid from the receivables / receivables management company to the respective member companies through the receivables / receivables management company-side transaction bank. .

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention provides a receivables and payables management company to purchase each of the receivables and payables generated by the transactions between the member companies, manages and offsets the purchased respective receivables and payables, and executes the processing for each member. If the debts transferred by the company are greater than the receivables transferred, the amount corresponding to the larger amount shall be paid to the receivables and credits management company through each member company's bank, and the receivables transferred by the receivables transferred by each member company If the amount is larger than the amount, the amount will be paid to each member company from the loan / debt management company through the bank on the side of the credit / debit management company. In addition, there is no need to apply deposits that are unknown or not, and there is no need to separately prepare extra funds corresponding to the payment of debts. Thus, by performing efficiently the operation of the funds of receivables and payables management company in each member company, it is possible to reduce the amount of funds that need to business of the overall each member company. In addition, since the receivables and payables of each member company are only transferred to the receivables and payables management company, each member company does not need to perform the work of offsetting the receivables and payables, and the labor for collecting the receivables is eliminated. Reduce procedural effort,
Personnel costs and the like can be reduced, and overall costs can be reduced.

[0008]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of the present invention; 1 to 15 show an embodiment of the present invention. 1 and 2, reference numeral 2 denotes a fund management system.

The fund management system 2 includes a member company 4
And the member company's bank 6 of the member company 4 and a debt management company (FACTORING COMPANY:
“FC”) 8, and a credit / debt management company-side transaction bank 10 of the credit / debt management company 8.

The member company 4 comprises a plurality (for example, four) of A to D member companies 4A to 4D having credits and debts, and these A to D member companies 4A to 4D are terminals (clients) for each member company. Computer 12 for a certain A-D member company
A to 12D, which are registered with the credit and debt management company 8 and their company information is registered. As shown in FIG. 2, the computer 12 for each member company has
-1, the bond registration unit 12-2, the debt registration unit 12-3, the bond and debt information inquiry unit 12-4, and the offset confirmation information inquiry unit 12-5.
Are provided.

[0011] The member company-side transaction bank 6 includes the A-D member company-side transaction bank 6A- corresponding to the A-D member company 4A-4D.
6D, these A to D member company's bank 6A
6D has A to D member company bank computers 14A to 14D, which are member company bank terminals. As shown in FIG. 2, each member company bank computer 14 is provided with a bank transfer / transfer section 14-1 and a bank account transfer section 14-2.

The credit and debt management company 8 has a provider 1
6 through 12A to 12D for affiliated company computers.
A processing computer 18 as a processing means (server) is provided so as to communicate with the 2D. The credit / debt management company 8 includes a plurality of affiliated companies A to D, 4A to 4D.
D. Purchases and receivables and debts generated by the transaction between D are managed by the processing computer 18 for each member company 4, and are generated by the same member company 4. If you have offset processing,
As a result of this offsetting process, if the amount of the debt transferred in the A to D member companies 4A to 4D is larger than the amount of the transferred receivable, the amount corresponding to the larger amount is changed to the A to D member company bank 6A to If the receivables transferred by the A to D member companies 4A to 4D are larger than the transferred debts, the receivables are transferred to the receivables / debt management company 8 through 6D, and this is equivalent to the larger amount. The amount is paid from the credit / debt management company 8 to the A to D member companies 4A to 4D through the credit / debt management company-side transaction bank 10. For this reason, as shown in FIG. 2, the processing computer 18 includes a company join processing unit 18-1, a debt and debt management unit 18-2, an offset determination processing unit 18-3, and an account transfer notification unit 18- 4, the transfer remittance notification unit 18-5,
A database unit 18-6 is provided.

The bank 10 of the receivables and payables management company is provided with a management company bank computer 20 which is a management company bank terminal. As shown in FIG. 2, the management company bank computer 20 is provided with a management company bank first communication unit 20-1 and a management company bank second communication unit 20-2.

Each of the computers 12A to 12D for the A to D member companies
12D and the provider 16 of the debt management company 8
For example, communication is made via a first communication line 22-1 such as the Internet. The processing computer 18 and the management company bank computer 20 are in communication with each other via a second communication line 22-2 such as the Internet or firm banking. Furthermore, the management company bank computer 2
0 and each of the A to D member company bank computers 14A to 1
The communication with the 4D is made via a third communication line 22-3 such as a wireless communication or a wired communication. Also, the computer 12 for each of the A to D member companies
A to 12D and bank computer 1 for each A to D member company
4A to 14D are connected via a fourth communication line 22-4 such as the Internet or farm banking. Furthermore,
As shown in FIG. 1, each of the computers 12A to 12D for the A to D member companies has a fifth communication line 22- such as the Internet.
I am contacting at 5.

Next, the operation of this embodiment will be described with reference to the flowchart of FIG.

First, a certain company operates this fund management system 2.
If the user wants to use, the member must join the receivable and debt management company 8 and become a member company. Therefore, as shown in FIG. Then (step 102), the buttons of “Registration of member companies”, “Registration of debt information”, “Registration of debt authentication”, “Inquiry of debt and debt information”, and “Inquiry of settlement confirmation” are displayed. Each button of "end" is displayed.

A "member company registration" button is used to register company information of a certain company when newly joining the company or to correct company information of a member company that has already joined the company. The information is registered.
The button “Register Claim Information” is used to register the claim information as needed when a claim is generated, and to return the registered claim information to the debtor in real time through the claim management company 8. The button for “Debt Certification Registration”
The authentication process is performed on the debt generated by the registration of the credit information of the “registered credit information” by using the electronic seal. The button of “inquiry of debt and debt information” can be used to query the latest debt and debt information and to query the debt list and debt list of the A to D member companies 4A to 4D. The button of “setoff confirmation inquiry” is a settlement process after the application is closed, for example, two days before the settlement date, and allows the user to confirm information in which the receivables and payables have been offset.

When the "Register Member Company" button is selected in the window of the fund management system menu shown in FIG. 8, the window changes to a member company registration window as shown in FIG. The “member code C code”, “company name”, “representative name”
"Postal code", "Address", "Telephone (TEL)", "Facsimile (FAX)", "Billing deadline", "Payment date",
"Fiscal month", "Capital", "Established date", "Industry", "Main business", "Main customer", "Main bank",
Required items such as "3 years of annual sales" are displayed.
"Guide", "Search", "Cancel", "Register", "End"
Buttons are displayed. And, for each of the above items,
Enter the required company information in letters and numbers.

Then, after inputting characters and numerals in these items, when the "registration" button is selected, the process of joining the credit and debt management company 8 is completed (step 104).
Here, the “member code C code” is approved by the credit and debt management company 8, and the credit and debt management company 8
When subscribing to, the number assigned by the processing computer 18 is used. In addition, in this member company registration window, if necessary, select the “guide” button to display procedural guidance, or select the “search” button to search for company information, Alternatively, when the “Cancel” button is selected, the registration operation can be canceled. However, if this company information is not registered,
The fund management system 2 cannot be used.

As shown in FIG. 4, for example, assuming that A member company 4A is a credit company and B member company 4B is a debt company, first, A member company 4A is controlled by computer 12A for A member company. , And register the claim against the B member company 4B (step 106).

In this bond registration, when a button of “register bond information” is selected in the window of the fund management system menu shown in FIG. 8, as shown in FIG.
The window for registering the receivables information is displayed on the screen, and this window contains “Registration Date”, “Member Company Code C Code”,
As debt information, "Debt Obligor C Code", "Credit Amount",
Items such as “Date of receivable”, “Date of receivable collection”, “Content of receivable” and “Special remarks” are displayed, and “Guide”, “Search”, “Cancel”, “Registration”, “End” Each button is displayed.

The “member company code C code” is automatically displayed to confirm the company code registered by the member company 4. The "Debt Obligor C Code" is used to enter the code of the member company of the counterparty for the receivable. The “receivable amount” is for inputting the amount of the receivable. "Date of claim generation" is for inputting the date of claim generation. “Receivable collection date” allows the user to input the receivable collection date in a date format. The "contents of receivable" is for inputting the property name of the receivable. The “special notice” is to let the debtor specify any special notice.

In the window for registering the receivables information, after inputting necessary items for each item, selecting the "Registration" button completes the registration, and then selecting the "End" button displays the screen. Returns to the window of the fund management system menu in FIG.

The credit data registered by the A member company 4A is stored and managed in the database unit 18-6 of the processing computer 18 of the credit and debt management company 8, and
The processing computer 18 sends the request to the B member company computer 12B of the B member company 4B as a debt authentication request to the debtor (step 108). The credit monitor registered by the A member company 4A is sent directly to the computer 12B for the B member company of the B member company 4B, and after the electronic certification of the B member company 4B, the credit monitor is sent to the processing computer 18 of the credit management company 8. It is also possible to send.

In response to the debt authentication request sent from the processing computer 18, the B-member company 4B presses an electronic seal with the B-member company computer 12B.
Debt authentication processing is performed (step 110), and the processing state is sent to the processing computer 18.

In this debt authentication process, when the "Debt Authentication Process" button is selected in the window of the fund management system menu shown in FIG. 8 on the computer 12B for the B member company, as shown in FIG. , The window of the debt authentication process is displayed on the screen. In this window, the “processing date”, “member code C code”,
"Scheduled payment date", "Credit contents", "Credit amount", "Certification"
Etc. are displayed, and "Guide", "Search",
Buttons of “Cancel”, “Details”, “Registration”, and “End” are displayed.

As described above, the computer 1 for the B member company
In 2B, when a plurality of pieces of debt uncertified information are displayed, an electronic seal is pressed in the certification field. Also,
When the "details" button is selected in the debt authentication processing window, the same screen as the "registration of credit information" is displayed, and the contents and special instructions are confirmed.

The processing computer 18 receives the debt authentication processing status sent from the B member company 4B and creates various types of inquiry information from the debt / data base 18-6.

As a result, the A-member company 4A and the B-member company 4B use the computer 12A for the A-member company and the computer 12B for the B-member company to update the latest credit and debt status from the database unit 18-6 of the processing computer 18 respectively. It can be queried at any time, and can be queried for credit and debt and offset information (step 112). In addition, the credit and debt authentication process is performed directly after the registration of the credit of the A member company 4A without passing through the processing computer 18.
It is also possible to provide a communication means to the member company 4B and to perform a debt authentication at the B member company 4B before contacting the processing computer 18. 18 and directly contact the A-member company 4A, and after the A-member company 4A authenticates the credit, the processing computer 18
It is also possible to contact.

That is, when the button of “Inquiry of debt and debt information” is selected in the window of the fund management system menu of FIG. 8, a window of inquiry of debt and debt information is displayed on the screen as shown in FIG. 12, and this window is displayed. Includes “Processing Date”, “Member Company Code C Code”, “Settlement Date”, and “Corporate Name”, “Amount”,
Items such as "Company name", "Amount", "Payment date", "Total debt", etc. are displayed as information on "Payment date", "Total receivables", etc. and debts for each settlement date. guide",
Buttons for "search", "stop", "details", and "end" are displayed. The information on the receivables and payables for each settlement date is displayed in real time after the registration of the receivables information and simultaneously with the debt authentication processing.

When the "Details" button is selected in the window for inquiring debt information, the window for inquiring detailed debt information is displayed on the screen as shown in FIG.
In this window, "processing date", "member code C"
Code, settlement date, and receivable information for each settlement date.
"Company name", "Amount", "Payment date", "Debt description",
"Special notes", "Remittance code", "Bank name", "Account"
Each item such as "Company name", "Amount", "Payment date", "Debt", "Special notes", "Remittance code", "Bank name""
Items such as "Account" are displayed, and "Guide",
"Search", "Cancel", and "Back" buttons are displayed.

Next, the window is displayed in the window of the fund management system menu of FIG.
Is selected, and if the result of the settlement confirmation is positive, as shown in FIG. 14, the window of “Receivables” of the inquiry for confirmation of settlement of debts is displayed on the screen.
"Processing date", "Member company code C code", "Settlement date", "Receivable amount", "Payment date", "Remittance code", "Bank name", "Account" are displayed, and "Guide" , "Search", "Cancel" and "Return" buttons will be displayed, which will confirm that the displayed receivables will be credited to the indicated bank account on the indicated deposit date as a result of the settlement offset. can do.

On the other hand, in the window of the fund management system menu shown in FIG. 8, when the "setoff confirmation inquiry" button is selected and the result of the offset confirmation is negative, FIG.
As shown in the figure, the window of “Debt” of the inquiry for settlement of debts and debts is displayed on the screen. This window contains the “Processing Date”, “Member Company Code C Code”, “Settlement Date”
"Debt Amount", "Payment Date", "Remittance Code", "Bank Name", "Account" are displayed, and "Guide", "Search", "Cancel", and "Back" buttons are displayed. You.

More specifically, in the process of confirming the offset, as shown in FIG. 7, the processing computer 18 closes the application for accepting the application two days before the settlement date, for example.
Then, the settlement processing of the debts and obligations of each member company 4 is performed, the amount of the balance of the debts and obligations is obtained, and the result of the settlement processing is fed back to each member company 4. By using the computer 12 for each member company, it is possible to make an inquiry about whether or not it is possible to carry out the offset processing of the debts and obligations. In addition, the processing computer 18
When the debts and obligations generated by the transactions between the member companies 4 are offset, the member companies 4 whose debts are larger than the debts in the respective member companies 4 are assigned to the member banks 4 of the respective member companies.
Through the remittance transfer or the account withdrawal to the receivables and payables management company 8 through the process.

Further, on the "settlement date", the processing computer 18 simultaneously sends the deposit from the member company 4 whose debt is greater than the debt (step 114), and simultaneously with the actual offsetting process, the debt management company Each member company 4 who paid in 8
And the purchase by the credit and debt management company 8 of each of the member companies 4 whose debts are larger than the debts is determined.

Then, for example, on the day after the settlement date, after the transfer remittance from the member company 4 whose debt is larger than the debt is to the transaction bank 10 of the debt management company side, the member company whose debt is greater than the debt is 4 to the credit and mortgage management company's house bank 10 to perform the remittance processing corresponding to the larger amount. That is, in each member company 4, one member company 4 In the case of a deposit, the receivables and credits management company 8 requests the remittance transfer from the receivables and credits management company's bank 10 and transfers the receivables to the member company 4 having the receivables.
Make a deposit to. Each member company 4 can use the computer 12 for each member company to make a payment inquiry after the credit and debt are offset.

Accordingly, each member company 4 can confirm the funds after the settlement of the debts and debts, and can confirm the settlement confirmation information after the settlement of the debts.

In other words, the processing computer 18 requests each member company's bank 6 to perform the payment processing of the receivable and debt management company 8 after the settlement (step 116), and transfers the remittance to each member company 4 after the offset. Is requested to the credit and liability management company's bank 10 (step 118). The bank 10 of the receivables and payables management company is the bank 6A of the A member company.
(Step 120), requesting the transfer of the debt after the settlement and the account transfer (step 120).
With the transfer of the debt from A (step 122), the debtor's payment is processed, and the receivable is transferred to the receivable and credit management company-side bank 10 (step 124). Is performed.

On the other hand, to explain the flow of funds, as shown in FIG. 5, for example, A member company 4A
Is 1,000,000 yen and D member company 4
If the debt to D is 800,000 yen, the deduction will be plus 200,000 yen. The B member company 4B has a balance of minus 900,000 yen if the loan to the C member company 4C is 900,000 yen and the debt to the A member company 4A is 1,000,000 yen. The C member company 4C has a receivable of 500,00 from the D member company 4D.
0 yen, debt to B member company 4B 900,000
If it is a yen, the deduction will be minus 400,000 yen.
The D member company 4D has 80 loans to the A member company 4A.
For 0000 yen, debt to C member company 4C is 50
If it is 0000 yen, the deduction is plus 300,000 yen.

In this case, the amount of funds normally required for a transaction is 800,000 yen for A member company 4A,
B member company 4B 1,000,000 yen, C member company 4
C is 900,000 yen, D member company 4D is 500,00
If it is 0 yen, the total is 3,200,000 yen, and the amount of funds when the offsetting (Neting) is performed is 100,000 yen for B member company 4B and 40 yen for C member company 4C.
000 yen, the total is 500,000 yen,
B member company 4B joins debt management company 8 with 100,000
Payment of yen, C member company 4C 4 to credit and debt management company 8
A member company 4A has received 200,000 yen from the debt management company 8,
D member company 4D has 300,0
There is a deposit of 00 yen.

That is, the debt management company 8 purchases each debt of each member company 4. In this case, as shown in FIG. 5, the purchaser pays the creditor (the member company of the receivable) the member company who paid in after the debt is settled, to the member company who paid in after adding the offsetting fee to the amount equivalent to the interest amount for the offset amount. ,on the other hand,
The debtor (member of the debtor) pays the member company paid after the debt offset the amount equivalent to the interest rate for the debt to be offset plus an offsetting fee.

As a result, each of the A / D
Each of the affiliates 4A to 4D is made to purchase the receivables and payables generated by the transaction between the affiliated companies 4A to 4D.
In the case where the transferred debt in D is larger than the transferred receivable, the amount corresponding to the larger amount is paid to the receivable and debt management company 8 through each of the A to D member company transaction banks 6A to 6D, and each of the A to D If the receivables transferred by the member companies 4A to 4D are larger than the transferred debts, an amount corresponding to the larger amount is transferred from the receivable and debt management company 8 to the respective A to D member companies 4A to 4 4D payment, each member company 4 on the settlement date
However, in order to pay debts, there is no need to apply deposits that are unknown or not, and there is no need to separately prepare extra funds corresponding to the payment of debts. The management company 8 efficiently manages the funds in each of the member companies 4 and can reduce the amount of funds required for the business of each of the member companies 4 as a whole.

Further, since the receivables and payables of each member company 4 are merely transferred to the receivable and payable management company 8, the work for offsetting the receivables and payables at the respective member companies 4 becomes unnecessary, and the receivables and payables are collected. In addition to reducing labor, labor in administrative procedures can be reduced, and labor costs and the like can be reduced to reduce overall costs.

On the other hand, with respect to the debt for which the account transfer could not be performed, it is assumed that the debt was not accepted from the beginning, and the debtor's claim on the debt is canceled. As described above, when the company to be paid becomes the company to be paid because the account transfer could not be performed, the same processing as described above is performed. However, the applicant is requested to apply for the priority of payment.

More specifically, as shown in FIG. 6, for example, as shown in FIG. 6, when A to H member companies 4A to 4H exist as member companies 4, A member company 4A The debt to the F member company 4F is 800,000 yen, the debt to the C member company 4C is 500,000 yen, the debt to the D member company 4D is 300,000 yen, and the debt to the E member company 4E is If it is 900,000 yen, the difference is minus 500,0
It is 00 yen. The B member company 4B has a bond with the D member company 4D of 700,000 yen, a bond with the E member company 4E of 100,000 yen, a bond with the F member company 4F of 500,000 yen, and a bond with the G member company 4G. If the receivable is 800,000 yen and the debt to A member company 4A is 400,000 yen, the deduction is plus 1,70.
It is 0000 yen. C member company 4C is A member company 4
Loan to A is 500,000 yen and F member company 4F
The debt to D member company 4D is 300,000 yen, the debt to E member company 4E is 700,000 yen, and the debt to G member company 4G is 1,000,000 yen. The offset is minus 700,000 yen. The D member company 4D has a loan to the A member company 4A of 300,000 yen, a loan to the C member company 4C of 300,000 yen, a debt to the B member company 4B of 700,000 yen, and a H member company 4D.
If the debt to H is 100,000 yen, the balance is minus 200,000 yen. E member company 4E is A
The debt to the member company 4A is 900,000 yen, the debt to the C member company 4C is 700,000 yen, the debt to the B member company 4B is 100,000 yen, and the debt to the G member company 4G is 200,000 yen. Assuming that the debt to the H member company 4H is 1,000,000 yen, the deduction is plus 300,000 yen. G member company 4G
Means that 1,000,000 claims against C member company 4C
In yen, the loan to H member company 4H is 2,000,000
For 0 yen, debt to B member company 4B is 800,000
If the debt to F member company 4F is 400,000 yen in yen, the deduction is plus 1,800,000 yen.

For example, assuming that the C member company 4C has become unable to transfer funds, the debt of the C member company 4C is treated as not having been accepted from the beginning,
Therefore, for example, D member company 4D, E member company 4E, G
If the receivables of member company 4G are cancelled, D member company 4D will have a minus 500,000 yen, E member 4E will have a minus 400,000 yen,
G member company 4G has a net discount of 800,000 yen.

At this time, if the account transfer could not be performed due to the inability of the account transfer of the C member company 4C, the company to be deposited becomes the company to be paid, that is, in the E member company 4E, In addition to the same processing as described above, the priority of payment can be determined for the B member company 4B, the G member company 4G, and the H member company 4H, which are the debtors of the E member company 4E.

On the other hand, as a countermeasure in the case where payment has not been made, the company for which payment has not been made is sent to the communication line (N
ET) and require the company to issue a substantial amount of deposit, require payment before the settlement date,
Alternatively, the name can be removed if two non-payments are made.

In the present invention, the credit and debt management company analyzes the economic situation of each member company using the database unit, gives appropriate management advice to each member company, and provides consultants with consultants. Can be.

In addition, the deposit and payment of each member company after the offsetting of credits and debts can be made in cash without performing remittance remittance or account debit through each bank,
In addition, it is possible to transfer money or debit an account at a bank or the like using the Internet between the credit / debt management company and each member company without passing through the bank terminal of each bank. Further, since the receivables and payables management company has a settlement function, the receivables and payables management company can directly perform account debit processing from the account of each member company or transfer money to the account of each member company.

Further, when the bill is paid by using the bill, it is possible to prevent the bill from being issued by the system of the present invention.

[0052]

As is apparent from the above detailed description, according to the present invention, a plurality of member companies having credits and obligations are provided with terminal devices for the member companies, and the terminal device for each member company is provided with the terminal device for each member company. Each member company's transaction bank is provided with a terminal device for each member company's bank in communication with each other, and the debt management company that has joined each member company is provided with processing means for communicating with each member company's terminal device. In the means, a terminal for the bank of the management company of the bank with which the receivable and debt management company of the receivable and debt management company is connected and provided, and a terminal for the bank of each member company is provided and connected to the terminal for the management company bank. And let the debt management company purchase the respective debts and obligations arising from transactions conducted between a plurality of member companies, manage and offset the purchased debts and debts by means of processing, and transfer them to each member company. Debt If the amount of the receivables is larger than the amount of the receivables, the amount corresponding to the larger amount is paid to the receivables and credits management company through each member company's transaction bank. By having the debt management company pay each member company through the bank on the side of the debt management company on the settlement bank, each member company is funded to pay the debt on the settlement date. There is no need to apply uncertain deposits, and there is no need to separately prepare extra funds corresponding to the payment of debts, so that the debt management company can efficiently manage funds at each member company. Well done, it can reduce the amount of funding needed for each member company's business overall. In addition, since the receivables and payables of each member company are only transferred to the receivables and payables management company, each member company does not need to perform the work of offsetting the receivables and payables, and the labor for collecting the receivables is eliminated. Procedure costs can be reduced, labor costs and the like can be reduced, and overall costs can be reduced.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a fund management system.

FIG. 2 is a block diagram of a fund management system.

FIG. 3 is a flowchart of a fund management system.

FIG. 4 is a system configuration diagram showing a fund management state.

FIG. 5 is a block diagram illustrating the flow and amount of funds.

FIG. 6 is a diagram illustrating a state in which a debtor is unable to transfer funds;

FIG. 7 is a diagram showing a cancellation confirmation processing state;

FIG. 8 is a diagram of a screen of a fund management system menu.

FIG. 9 is a diagram of a member company registration screen.

FIG. 10 is a diagram of a screen for registering credit information.

FIG. 11 is a diagram of a debt authentication processing screen.

FIG. 12 is a view showing a screen for inquiring of debt information.

FIG. 13 is a diagram of a screen for inquiry details of debts and obligations.

FIG. 14 is a diagram of a screen for inquiring settlement of debts of debts.

FIG. 15 is a diagram of a screen of an inquiry for confirming settlement of debts.

[Explanation of symbols]

 2 Fund management system 4 Member company 6 Member company's bank 8 Credit and debt management company 10 Account and debt management company's bank 12 Computer for member company 14 Computer for member company bank 16 Provider 18 Computer for processing 20 Bank for management company bank Computer 22 Communication line

Claims (1)

[Claims] A member company terminal is provided for each of a plurality of member companies having credits and debts, and each member company terminal is provided for each member company bank terminal of each member company bank of each member company. And a processing unit for communicating with the terminal for each of the member companies, and the processing means includes a credit and debt management company of the credit and debt management company. The management company bank terminal of the side transaction bank is provided in contact with the bank terminal, and the management company bank terminal is provided in communication with each of the member company bank terminals. Each of the member companies is made to purchase each of the debts and obligations generated by the transaction, and the processing means manages and offsets each of the acquired debts and debts, and the debts transferred by each of the member companies are converted from the transferred loans. Also In the case of a large amount, the amount corresponding to the large amount is paid to the receivable and credit management company through each of the member company-side transaction banks. A fund management system, wherein the credit and debt management company pays an amount corresponding to the amount to each of the member companies through the credit and debt management company side transaction bank.