JP2001319060A - Method and system for financing on security of accounts receivable - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for financing on the security of accounts receivable which can use accounts receivable as funds without requiring agreement with nor cooperation by the destination of the account receivable. SOLUTION: A registration part 25 for the destination of accounts receivable receives the input of information specifying the destination of accounts receivable of a financing applicant through the Internet 50 and registers it in a DB 41 for the destination of accounts receivable and determines a financing limit amount according to information of transactions of the financing applicant with the destination of accounts receivable. An account-receivable-detail registration part 26 receives the input of detail information on the accounts receivable that the financing applicant holds through the Internet 50 and registers it in an accounts-receivable-detail DB 42, and determines a financing limit amount according to the effective credit total amount of the registered accounts receivable and the financing limit amount. A financing processing part 27 determines an financing amount for the financing applicant according to a customer's desire within the range of the financing limit amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for financing with receivables as collateral.

[0002]

2. Description of the Related Art Hitherto, as a method of funding (liquidating) accounts receivable, this method has been substituted by discounting commercial bills. However, while the computerization of payment settlement systems has progressed, the issuance of bills has been drastically reduced due to the complexity of issuing and managing bills and the burden of stamp duty.

[0003] As a method of funding accounts receivable without using bills, Japanese Patent Application Laid-Open No. 11-96247 and Japanese Patent Application Laid-Open
No. 96262 discloses a system for liquidating bonds. According to these systems, it is possible to transfer a receivable receivable owned by a certain company to another company to a factoring institution and obtain funds from the factoring institution.

[0004]

However, any of the above-mentioned conventional systems is based on the premise of a factoring contract between a company that owns accounts receivable, a company to which the accounts receivable, and a factoring institution. Therefore, it is necessary to provide accounts payable data from the accounts receivable company to the factoring institution. Therefore, there is a problem that the use of such a system is limited to a company group having a specific relationship (for example, a subcontractor and its parent company).
That is, the conventional system is a system which cannot be established without the prior approval and cooperation of the receivables receivable for the transfer of the receivables.

[0005] Even if prior consent and cooperation can be obtained, it is necessary to conclude a factoring contract between the three parties for each of the accounts receivable, the procedure for that is complicated, and an unspecified number of accounts receivable is required. It was not feasible to use accounts receivable as a funding source.

The present invention has been made in such a background, and an object of the present invention is to provide a receivables-secured financing system capable of funding receivables without requiring the agreement and cooperation of the receivables. To provide.

Another object of the present invention is to provide a receivables-secured financing system in which receivables of an arbitrary receivable can be financed without being limited to a specific company. Is to provide.

It is still another object of the present invention to provide a receivables-secured financing system that can be used by an unspecified number of companies via a communication network such as the Internet.

[0009]

In order to achieve the above object, a receivables-secured financing system according to the present invention is a receivables-secured financing system for financing with receivables as collateral. A receivables statement registering means for receiving details of receivables held by the loan applicant and registering it in the receivables statement database, means for receiving a loan application from the loan applicant, And a loan amount determining means for determining a loan amount to the loan applicant based on the registered contents of the receivables statement database.

As described above, according to the present invention, the receivable can be funded by applying only from the owner of the receivable. In addition, since there is no need for consent or cooperation of the receivables, the receivables of any receivables can be targeted for financing without being limited to a specific company. If, for example, the Internet is adopted as the communication network, the unlimited number of companies can use this financing system widely.

[0011] In the above system, preferably, furthermore, a receivable receivable registering means for receiving information for specifying the receivable receivable of the loan applicant and registering the information in the receivable receivable database, Means for determining a loan limit based on information relating to the transaction with the receivable,
Means for determining a lending available amount based on the effective total amount of receivables registered and the loan limit,
The loan amount determining means determines the loan amount of the loan applicant according to a customer's request within the range of the loanable amount. By determining the loan limit based on the information on the loan applicant's transactions with the accounts receivable, and by determining the possible loan amount based on this, more reliance can be obtained without relying only on the information on the accounts receivable. Appropriate loan processing can be executed.

Further, a ranking table for classifying all combinations of the degrees of the plurality of input items related to the credit of the customer to be loaned into a plurality of ranks, and data representing the degree of the plurality of input items of a given customer Receiving the input item data, applying the input item data to the ranking table, determining a rank to which the customer belongs, and determining the rank of the customer based on the determined rank. And a loan limit adjusting means for adjusting the loan limit. By additionally using such a customer evaluation system, it is possible to perform a more accurate and stable credit evaluation of a customer.

The effective total receivables are, for example, the sum of (amount of receivables × cash ratio × security rate) or (amount of receivables × security rate) of each receivable, and are periodically updated in the database section. The system may further include a DB periodic update unit that performs processing, and a security ratio adjustment unit that adjusts a security ratio based on specific data of the accounts receivable database.

[0014] Further, the system may further include a registration database for storing information of the loaned customer, and a registration support means for supporting registration of a transferred loan based on the contents of the customer database and the accounts receivable statement database. Good.

The receivables-secured financing method according to the present invention is a receivables-secured financing method for financing with receivables as collateral, and includes detailed information of the receivables held by the loan applicant via a communication network. Receiving the input of the loan and registering it in the receivables statement database, receiving the loan application from the loan applicant, and the amount of the loan to the loan applicant based on the registered contents of the receivables statement database. And a step of determining

[0016] In this method, preferably, further, a step of receiving information specifying the accounts receivable of the loan applicant and registering the information in the accounts receivable database, Determining a credit limit based on information relating to the transaction with, and determining a possible loan amount based on the total effective credit amount of the registered receivables and the credit limit amount, In the step of determining the loan amount, the loan amount of the loan applicant is determined according to the customer's request within the range of the loanable amount.

The present invention further provides a customer evaluation system for evaluating a loan-targeted customer. This customer evaluation system represents a ranking table that classifies all combinations of the degrees of a plurality of input items related to the credit of a loan target customer into a plurality of ranks, and represents the degree of the plurality of input items of a given customer. Input item data receiving means for receiving data, determining means for applying the input item data to the ranking table to determine to which rank the customer belongs, and outputting the rank determined by the determining means And a rank output means.

[0018]

Embodiments of the present invention will be described below in detail with reference to the drawings.

First, the basic concept of the present invention will be described with reference to FIG. In the present invention, for example, the lending institution 100, which is a non-bank, sends an unspecified number of accounts receivable owned by the applicant 52 from a loan applicant (usually a company) 52 via a widely open network such as the Internet. Receives a loan application secured by receivables from Loan institution 100
Uses the receivables database (D
B) Register with 101, and preferably continuously receive additional registration of new accounts receivable from the applicant. The loan institution 100 has its own credit information database 102
(Various databases described later) based on the customer evaluation system 103 and the accounts receivable
Decide whether to accept the loan and the amount of the loan. In addition, the system for registering receivables for transfer of collateral is used in order to make the collateral effective (transfer registration processing). This receivables transfer registration system has been established as a special provision of the Civil Code regarding the requirement for the transfer of receivables against third parties. It is a system that can obtain the requirement for opposition to the three parties. After taking such security measures, the loan execution process is performed. Due to the existence of the credit information database 102, the customer evaluation system 103 and the accounts receivable evaluation system 104, there is no need to limit the accounts to be sold to a specific large company as in the conventional system. Work to reduce those risks without receiving

FIG. 3 shows a characteristic concept of the receivables-secured financing system of the present invention. As shown in this figure, the customer in the system of the present invention continuously sends his / her own accounts receivable (shown as "invoice" in the figure) to the lender of the system, as if depositing cash in a bank. After registering (registered receivables transfer with these as collateral), customers can obtain funds from lenders to withdraw cash from banks when needed. Therefore, accounts receivable are shown as "virtual cash" and registration of accounts receivable is shown as "virtual deposit".

FIG. 1 shows the overall overall structure of a receivables-secured financing system according to the present invention. In the present specification, the term “account receivable-secured financing system” is, in a narrow sense, a computer system of a financing institution receiving a loan application (the financing institution 1 in FIG.
00 in a broad sense, as shown in FIG. 1, a client (computer) 5 of a client company (loan applicant) via a wide area network such as the Internet 50.
1 shows a network system including up to 1.

A receivables-secured financing system (financing institution) 100 in a narrow sense is a server 10 constituting one site of the Internet 50, a data processing device 20 connected to the server 10, and connected to the data processing device 20. And a database unit 40. The data processing device 20
It has a display device 31, an input device 32, and a printing device 33.

The server 10 mainly includes a homepage data storage unit 11 including an HTML document constituting an Internet homepage and an image embedded therein,
It has a document processing unit 13 for performing processing such as creation and processing of homepage data, and a communication unit 15 for exchanging data with the client 51 via the Internet 50.

The database unit 40 mainly includes a receivables database (DB) 41 storing information on accounts receivable of customers, and a receivables details storing detailed information on receivables for each receivables. A database 42, a customer database 43 storing customer information, a non-delivery information database 44 storing customer and receivables receivable information, a company information database 45 storing company information, and a transaction storing customer loan transaction history information. It has a history database 46.

The data processing device 20 includes a database unit 4
0 performs various processes based on the various databases and processes related to database management and updating. That is,
The data processing device 20 includes, as its main functions, a customer evaluation system 21, an accounts receivable evaluation system 22, an enrollment processing unit 23, an accounts receivable registering unit 25, an accounts receivable statement registration processing unit 26, and a loan processing unit 27. And registration support processing unit 28
Having. Details of the processing of these units will be described later.

A description will now be given of the customer-side man-machine interface and the processing of the loan institution from the application for membership to the execution of the loan from the Internet. The man-machine interface on the customer side will be described using an example of a display screen of a web browser on the client 51, and the processing on the loan institution side will be described using a processing flow example of the server 10 and / or the data processing device 20.

FIG. 4 is a flowchart showing an example of a processing flow of the membership application of the membership processing unit 23 (FIG. 1). First,
When a customer who wants to receive a loan under this system accesses the site of a loan institution on the Internet, the client 5
A home page screen as shown in FIG. 5 is displayed on the first display device (S1). The “client” here is a so-called client / server client,
It is distinguished from "customers" who are client users.
In the screen of FIG. 5, a login section 111 for a member site to which a customer who is already a member can enter by entering an ID and a password, and a menu section 113 for visitors are provided. In the menu section 113, a link 114 to an explanation screen for the accounts receivable-secured loan, a link 115 to a simulation screen for enrollment examination, a link 116 to an enrollment application, and the like are set.

Link 1 to the examination simulation by the customer
When the user designates (clicks) 15 (S2, Yes), the server 10 transmits the simulation form screen data to the client 51 (S3a). FIG. 6 shows an example of this form screen. Here, the data items to be input by the customer are information for the loan institution to evaluate the recipients of the accounts receivable-secured loan, and specifically, the capital, industry, establishment date, and Number of employees, average monthly sales, number of fixed accounts receivable, number of fixed accounts receivable, presence / absence, presence / absence of real estate, presence / absence of spouse of representative, status of various borrowings, settlement month, presence / absence of settlement statement, etc. After the customer enters these data,
When the "examination" button is clicked, the server 10 receives these form input data (S3b) and executes an examination simulation based on these data (S3).
c). For this simulation, the customer evaluation system 21 of FIG. 1 is used. Details of the customer evaluation system 21 will be described later.

When the execution of the simulation is completed, the server transmits the result report screen data to the client (S4). FIG. 7 shows an example of the rejection result screen, and FIG. 8 shows an example of the rejection result screen. In the case of rejection, the process proceeds to step S8, and in the case of rejection, a member registration process is performed according to a user's instruction (S6).

On the approval result screen shown in FIG. 8, a form for further inputting information for specifying a company is displayed so that the member application can be performed as it is. In addition, a password for accessing the member site at a later date can be set. When the button of “to the member registration” is clicked on this screen, as a part of the member registration process S6, first, an enrollment agreement item confirmation form as shown in FIG. 9 is sent to the client to obtain the customer's agreement with the agreement item. . When the consent is obtained, the customer information is registered in the customer database. Without consent, they will not proceed to the next step. Thereafter, the member registration completion notification screen data of FIG. 10 is sent to the client, and an ID number is given to the customer. On this screen, there are an "input receivables" button and a "financing application" button, and the screen can be shifted to the corresponding screen. These screens will be described later.

When the membership application link 116 is clicked on the homepage screen of FIG. 5 (S11, Yes),
Application form screen data as shown in FIG. 11 is transmitted to the client (S12). This application form is similar to the simulation screen shown in FIG. 6, but is different from the simulation screen in that it includes input items for company specific information. When the server receives the input form data (S13), the customer evaluation system 21 of the data processing device 20 performs the same tentative examination processing as the simulation processing (S14). This examination result is OK
If so, the result report screen data as shown in FIG. 12 is transmitted to the client (S15). When this screen is similar to FIG. 8, it differs from FIG. 8 in that there is no input item of company specific information. If it is not OK, screen data for reporting the rejection result as shown in FIG. 7 is transmitted. If the examination result is OK (S16, Yes), the member is registered as in the case of the examination simulation (S17).

When the ID and the password are input in the login section 111 of FIG. 5 and the "GO" button is clicked (S8, Yes), the password for the ID is checked (S9). The member site screen data is transmitted (S10).

In the member registration completion notification screen of FIG.
When the customer clicks the "financing application" button, screen data of an initial financing application acceptance form as shown in FIG. 14 is transmitted from the server to the client. For this form, the customer wants “loan amount” and “loan time”
When the "desired visit date and time" is entered and the "send button" is clicked, these pieces of information are sent to the server. At the stage of this initial loan application, only a preliminary examination (examination simulation) based on only the declaration information from the customer has been performed, and the actual loan execution is directly interviewed with the customer for a stricter examination. Need to be done. For this purpose, preferably, the customer is urged to prepare documents necessary for a contract or the like by a communication means such as an e-mail, and an appointment for a visit is made by telephone or the like. At the time of this interview, interviews and actual inspections on the customer himself and the accounts receivable are performed to confirm the customer's declaration information at the time of the preliminary examination and to confirm the correctness. For example, confirmation of the contents of the receivables, confirmation of the receivables of the receivables (current account reconciliation sheet, deposit passbook, bill discount statement, etc.) Confirmation is performed. Further, the customer evaluation system 21 can be used again for the information obtained here.

When notifying the customer of the result of the final examination at a later date, an e-mail as shown in FIG. 15 is sent to the customer.
The customer clicks on the site address (URL) in this e-mail to switch from the server to the client in FIG.
The notification screen data of the final examination result as shown in is transmitted. Here, the customer inputs the previously given customer ID and the previously set password, and clicks a “GO” button, so that the final examination result screen data (not shown) of approval or rejection of the customer is given. Is sent.
When it is passed here, it is finally possible to get a loan. In addition, basic agreements such as a monthly loan agreement and a collective loan assignment collateral agreement are concluded between the loan institution and the customer.

In the member registration completion notification screen of FIG.
When the “account receivables input” button is clicked, the customer enters the accounts receivable and registers with the lending institution. This processing flow in the data processing device 20 and the server 10 is shown in FIG.

In FIG. 18, first, the server transmits screen data of the receivables / receivables entry form as shown in FIG. 17 from the server to the client (S21). In the screen shown in FIG. 17, the customer inputs information about his or her receivables, who are continuous customers. In this example, this information is information that identifies a company, such as “company name” and “address”
“Representative name” and transaction information such as “payment method”, “closing date”, “payment date”, and “average monthly quotation”. A plurality of accounts receivable can be input at the same time. After the customer inputs the information and clicks the "send" button, the server receives the data of the input form (S2).
2). When the data processing device 20 (FIG. 1) receives this input information from the server 10, the receivable receivable registering unit 25 registers the contents in the receivable receivable database 41 (S2).
3).

FIG. 19 shows an example of the data structure of the receivables and payees database 41. Here, the data format is shown in a card format, but may be another format. In this example,
A card is created for each customer by the accounts receivable registering unit 25 (FIG. 1), and the input information on the accounts receivable (accounts) is registered in this card.

Referring back to FIG. 18, a provisional loan limit for the customer is determined based on the registered information of the accounts receivable (S24). The “finance limit” is a loan limit determined for each customer. This is the maximum loan amount determined for the customer based on the rating (rank) of the customer, average monthly sales and in-progress management information (development credit information) stored in the customer database 43. Post-mortem management information is post-change information of various information that serves as a criterion for loan determination.
For example, borrowing information, cash flow and accounts receivable information, real estate information,
The information includes unpaid information, repayment delay information, and the like.

When determining the loan limit, first, the provisional loan limit is obtained as follows.

Referring to the receivables data of the customer from the receivables database 41, the total sum of the credit amount (average monthly sales × cash ratio × security rate) for each of the customers is expressed by the following equation (1).
Ask for.

Temporary loan limit = Σ (average monthly sales × cash ratio × collateral rate) (1) (However, the credit amount and the temporary loan limit are not limited to these definitions. For example, the cash ratio is omitted. It is also possible.)

Here, a specific example in which the above equation (1) is adopted will be considered. For example, taking the five companies shown in FIG. 19 as an example and assuming a standard collateral rate (collateral amount) of 50%, the provisional loan limit is 003 2,000,000 yen × 100% × 50% = 1,000,000 yen 005 500 10,000 yen x 50% x 50% = 1.25 million yen 008 3,000,000 yen x 70% x 50% = 1.05 million yen 011 4,000,000 yen x 100% x 50% = 2 million yen 017 3,000,000 yen x 100% x 50% = 1.5 million yen ---------------------------------------------- A total of 6.8 million yen.

However, the receivable receivable evaluation system 22 comprehensively judges whether or not the receivable receivables have been misdelivered, and reduces all or a part of the credit amount of the specific receivable receivable (S25, S25). S24). In the above example, for example, Accounts receivable
= 003, a total of 6
The temporary loan limit is set at 5.8 million yen, which is 800,000 yen less the credit amount of the receivables receivable of 1 million yen.

The reason why the term "temporary" is set is that the provisional loan limit is compared with the limit on the loan product standard of the lending institution (S26) to determine the final loan limit. This is because (S27). The loan product standard limit is a predetermined loan limit of the loan product of the financing institution regardless of the customer. The security rate is adjusted according to the situation as described later.

The loan limit determined in this way is the upper limit of the current loan amount of the customer. The determination of the actual loan amount will be described later.

In order for a customer to actually receive a loan, it is necessary to register details of individual accounts receivable owned by the customer with a loan institution. The above-mentioned registration of accounts receivable is for the purpose of determining the above loan limit, and the actual determination of the loan amount depends on the registration status of each receivable. This is because it becomes a realistic security.

FIG. 20 shows a processing flow in the server and the data processing device on the loan institution side regarding the receivable receivable statement registration processing. First, screen data of an account receivable statement input form as shown in FIG. 21 is transmitted from the server to the client (S31). The customer enters the seller ID, billing date, scheduled payment date, and billing amount of each receivable in this input form. This screen example is provided with a “List of accounts receivable code” button. When this button is clicked, a correspondence list (not shown) between the accounts receivable ID and the company name is displayed, which is convenient for the customer to input the accounts receivable ID. Customer completes this entry and "sends"
When the button is clicked, the data of this input form is received by the server (S32). This data is registered in the accounts receivable statement database 42 (S3
3).

Here, an example of the data structure of the receivables-details database 42 will be described with reference to FIG. This database is also in the form of a card for each customer.
In addition to the data items input in the above, there are provided data items of “payment method”, “amount of cash receivable”, and “financed / unfinished”. “Payment method” is Accounts receivable database 41
Is automatically entered by reference. The “account receivable amount” is an amount obtained by multiplying the receivable amount by the cash ratio. The cash ratio is specified in "Payment methods". “Loan not yet completed” is a flag indicating whether or not the receivable has already been loaned. That is, "finished" is stored if the receivable is to be loaned, and "not yet" is stored if not. When a new loan is made, this flag is referenced.
It is determined whether or not each receivable can be financed.

Note that the data (records) of the receivables whose scheduled payment date has passed (or approached within a predetermined number of days after the scheduled payment date) without being taken as a loan object are automatically recorded in the receivable receivable detail database 42. To be deleted from. This is because such receivables do not function as collateral. Such a database update process will be described later.

Next, referring to FIG.
6 (FIG. 1) will be described. This process is executed when a change factor of the financing amount substantially occurs, such as when a receivable statement is registered or a loan is made. First, the total effective accounts receivable is calculated (S4
1). The total effective accounts receivable is, for example, the sum of the effective accounts receivable for the accounts receivable that are not financed. The effective accounts receivable is the amount obtained by multiplying the accounts receivable by the cash ratio and the collateral ratio. Therefore, the total effective accounts receivable is calculated by the following equation (2)
Is calculated.

Effective Receivable Total = Σ (Amount of Accounts Receivable × Cash Ratio × Collateral Ratio) (2)

When calculating the total effective receivables, a specific receivable is reflected in the calculation of the total effective receivables by reflecting the result obtained by the receivables evaluation system 22 in the same manner as when calculating the loan limit. Can be removed from.

However, the definition of the effective accounts receivable is not limited to the above equation (2). For example, the “cash ratio” can be deleted from the above equation (2).

Next, the effective receivable total is compared with the financing limit (S42), and if it is larger than the financing limit, the financing limit is set as a provisional financing possible amount (S43). Otherwise, the effective receivable total is set as the provisional financing possible amount (S44).

The current loan balance is subtracted from the provisional loanable amount thus obtained (S45). If the result of this subtraction is positive (S46, Yes), this is determined as the loanable amount (S47). Otherwise, it is determined that a loan cannot be made (S48).

This result is stored in the storage device (S
49).

Next, the financing processing flow of the financing processing unit 27 (FIG. 1) when a customer actually applies for a financing will be described with reference to FIG. When the customer actually applies for a loan, the customer shifts from the home page screen of FIG. 5 to the member site, and clicks the “Apply for loan” button on the member site screen of FIG. The server transmits the screen data of the application form to the client (S51). On this screen, the customer inputs a loan application amount and a desired loan time. The loan application amount can be input after clicking the “Credit Status” button to recognize the possible loan amount and the like (S53).

FIG. 26 shows an example of the credit status screen. In this screen example, “finance limit amount”, “finance possible amount” and “current loan amount” are displayed. The amount that can actually receive a loan is the amount obtained by subtracting the current loan amount from the available loan amount. Further, this credit status screen is provided with a “List of accounts receivable” button and a “List of accounts receivable” button. According to the receivables receivables list button, a list screen of own receivables receivables information registered in the receivables receivables database 41 can be confirmed. Further, according to the receivables receivable details list button, a list screen of the own receivables receivable details information currently registered in the receivables receivable details database 42 can be confirmed. Although neither of the list screens is specifically shown, the information on the customer in the receivables receivable database 41 and the receivables receivable detail database 42 is extracted.

When the “Request Loan Condition” button is clicked on the “Lending Application” screen of FIG. 25 (FIG. 2)
4, S54), the server receives the data of “finance application amount” and “desired time” in FIG. 25 and transmits a “desired loan condition selection form” as shown in FIG. 27 to the client (S56). ). At this time, the contents of the account receivable statement database 42 relating to the customer are referred to. In the example of FIG. 27, the total loan amount for each registered receivable is shown in FIG.
FIG. 5 shows a state in which a registered receivable that matches or is close to the “finance application amount” specified by the customer is automatically selected on the screen 5. However, on this screen, the customer can freely modify the selection of the accounts receivable with respect to the check box. After newly correcting the check mark, when the "Calculate" button is clicked (S57),
The check data is received by the server, the loan amount is calculated, and the screen data obtained by correcting the “total loan amount” in FIG. 27 is resent to the client (S58). If the calculated loan amount exceeds the (finable amount-current loan amount), a warning is given to that effect and the user is prompted to set a check mark again. Steps S57 and S58 can be repeatedly performed. When the "Send" button is clicked (S59), the total loan amount at that time is determined as the loan amount (S60). In this example, the repayment date is automatically set on the day following the scheduled payment date of the receivable.

After the determination of the loan amount, the registered receivables are subjected to a reconciliation with an actual invoice or order form and the examination by the receivables evaluation system 22 (S61). (S62, Yes), transfer registration support processing is performed for the receivables that have become the subject of the loan (S63). Also, the result of the loan OK is notified to the customer by e-mail or the like (S64), and the output of the loan statement as shown in FIG. 28 is displayed on the browser screen of the customer by inputting the customer ID and the password, and It is printed out on the loan institution side (S65). It is preferable that the examination in step S61 be performed automatically. However, when human processing is included, the system accepts the input of the result. If the result is not OK in step S62, the rejection result is notified to the customer in the same manner as described above (S66).

FIG. 29 shows an example of the flow of the credit transfer registration support process in step S63 by the registration support unit 28 (FIG. 1). First, the receivable to be registered, which is selected in the loan processing of FIG. 24, is specified (S71). Next, registration data is created in accordance with a predetermined format of the receivable transfer registration with reference to the contents of the receivable receivable detail database 42 and the customer database 43 (S72).
A registration magnetic disk (floppy (registered trademark) disk or optical disk or the like) is created based on the created registration data (S73). Next, the content of the FD is verified (S74), and if it is not OK, the input is corrected by the operator (S76) (S75). When the FD verification is finally completed, the registration support processing ends. This FD
And necessary documents are submitted to the designated registry office.

It is possible to register not only individual loan transfer registration but also future loan transfer expected to occur in the future. By registering such future receivables (for example, 5 years) before the first loan for major customers who are expected to have continuous customer transactions, it is not necessary to register individual receivables for the receivables. There is no need to do it.

The registered amount of the future receivable registration can be calculated based on the contents of the receivable receivable database 41, for example, for a certain receivable receivable by the following formula (3).

Registration amount = average monthly sales × cash ratio × variable x (3)

The variable x is, for example, (total number of months + 1).
This is based on the maximum value of receivables at a certain point in time (peak receivable amount). However, the method of calculating the registration amount is not limited to this.

Returning to the member site screen of FIG. 13, when the “transaction history” button is clicked, the transaction history database 46 is referred to, and transaction history screen data including transaction history information on the customer as shown in FIG. 30 is displayed. Sent to client. From this screen, the customer can check the past and current transaction status between the loan institution and the customer.

When the "Balance List" button is clicked on the member site screen, the transaction history database 46 is similarly referred to, the data is processed, and the loan balance by repayment date for the customer as shown in FIG. The balance list screen data including the statement, the repayment schedule table, and the account-by-account loan balance table is transmitted to the client. The customer can check the current loan balance and the repayment schedule from this screen.

FIG. 32 shows a configuration example of the customer evaluation system 21. The customer evaluation system 21 ranks (ranks) customers from the viewpoint of credit for financing based on the values (degrees) of various input items. In the present embodiment, the following will be described. Classify customers into multiple ranks based on various input items.

1) Current monthly sales 2) Balance of personal borrowing confirmed by the credit information center of the representative 3) Number of personal borrowings confirmed by the credit information center of the representative 4) Attribute information (real estate of the representative) 5) Signs of anomalies (delay information, changes in real estate rights, borrowing accidents, etc.)
6) Financial Statement Data

The input items 1) to 5) are updated once a month, for example, and the item 6) is updated once a year. Each time the data is updated (input of new input item data), the rank of the customer is reviewed and used to adjust the loan limit.

The criteria for determining specific numerical values and contents of these input items are also determined in advance as guidelines. The following items are listed as ranking guidelines.

The above-mentioned credit information center monthly quotient ratio: credit information center personal borrowing balance / monthly quotation: be careful when exceeding a predetermined reference ratio. Number of information centers: Be careful if the number exceeds the predetermined standard. ・ Attribute: Be careful if there are no predetermined items. ・ Financial statement data: Equity ratio, gross profit margin, fixed ratio, etc. satisfy the predetermined standard ratio respectively. Be careful if there is no abnormality sign

By applying these guidelines to various combinations of numerical values and contents of the input items, each customer can obtain the customer ranking table 21 shown in FIG.
The rank is assigned to one of a predetermined number of ranks from the upper rank to the lower rank as shown in FIG. In the figure, ranks A to Z are shown, but “A to Z” are codes given for convenience, and do not mean that there are 26 alphabetical ranks. Which combination of numerical values and contents of the input items is positioned in which rank can be determined based on experience and know-how in consideration of the importance of each input item.

The processing section 210 of the customer evaluation system 21
The input item data receiving unit 211 receives the values and contents of the input items of the customer to be evaluated, and the rank determining unit 212 applies these data to the customer ranking table 214 to determine which rank this customer belongs to. judge. If there is no rank that matches all the contents and numerical values of the input items, the rank of the similar contents and numerical values is determined to be the corresponding rank. The rank output unit 213 outputs (displays or prints) the rank of the customer determined in this way.
I do. It is desirable that such customer ranking be updated periodically (for example, once a month) for all customers.

[0086] Such a customer ranking table 214
Is used, automatic determination by the system becomes possible, and fluctuations in determination results and determination errors due to the skill level of the determiner are reduced. In the preliminary examination and the examination simulation, it is possible to make the preliminary examination OK for a customer determined to be equal to or higher than a predetermined rank.

FIG. 34 shows a configuration example of the receivable evaluation system 22. The receivable receivable evaluation system 22 is a DB periodic updating unit 221 that performs a periodic updating process of the database unit 40.
And a loan limit adjusting unit 222 that adjusts the loan limit based on the ranking information of the customer evaluation system 21, for example.
And a security rate adjustment unit 223 that adjusts the security rate (for example, lower than the standard security rate) based on specific data (for example, information on accounts receivable) of the database unit 40.

FIG. 35 shows an account receivable statement database 4
2 shows an example of a flow of an update process of various databases such as the transaction history database 46. This process is preferably 1
Perform regularly, such as once a day. First, the customer ID is initialized (S81), and the contents of the customer ID database are updated (S82). Next, the customer ID is incremented (S83), and until there is no new customer ID (S8).
4), update of the database contents of the customer ID is repeated. In addition to or in place of this periodic update, the database may be updated by updating only the corresponding contents of the database each time an update event occurs.

Although specific embodiments of the present invention have been described above, they are for the purpose of explanation, and are not intended to limit the present invention, and various modifications and changes are possible. For example, the password setting is not limited to FIG.
May be performed at the time of the customer ID assignment. Although the membership registration is performed temporarily before the formal contract, the member registration may be performed after the formal contract. The types of the various databases may not have the same internal items as those in the above embodiment.

[0079]

According to the present invention, accounts receivable can be funded without requiring the agreement and cooperation of accounts receivable. Further, the receivables of any receivables can be targeted for financing without being limited to a specific company. Further, it is possible to provide a receivables-secured loan system that can be widely used by an unspecified number of companies via a communication network such as the Internet.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an overall overall configuration of a receivable-backed loan system of the present invention.

FIG. 2 is a diagram for explaining a basic concept of the present invention.

FIG. 3 is a diagram showing a characteristic concept of the receivables-secured financing system of the present invention.

FIG. 4 is a flowchart illustrating an example of a processing flow of a membership application according to the embodiment of the present invention.

FIG. 5 is a diagram showing an example of a screen of a homepage of a loan institution according to the embodiment of the present invention.

FIG. 6 is a diagram showing an example of an examination simulation form screen according to the embodiment of the present invention.

FIG. 7 is a diagram showing an example of a screen for reporting a rejection result in the embodiment of the present invention.

FIG. 8 is a diagram showing an example of a screen of a result of approval according to the embodiment of the present invention.

FIG. 9 is a diagram illustrating an example of a screen of a membership agreement confirmation form according to the embodiment of the present invention.

FIG. 10 is a diagram showing an example of a member registration completion notification screen according to the embodiment of the present invention.

FIG. 11 is a diagram showing an example of an application form screen according to the embodiment of the present invention.

FIG. 12 is a diagram showing an example of a result report screen according to the embodiment of the present invention.

FIG. 13 is a diagram showing an example of a member site screen according to the embodiment of the present invention.

FIG. 14 is a diagram showing an example of an initial loan application reception form in the embodiment of the present invention.

FIG. 15 is a diagram showing an example of a notification mail of a final examination result in the embodiment of the present invention.

FIG. 16 is a diagram showing an example of a notification screen of a final examination result in the embodiment of the present invention.

FIG. 17 is a diagram showing an example of a receivables and credits input form in the embodiment of the present invention.

FIG. 18 is a flowchart showing a processing flow in a data processing device and a server at the time of receivable receivable registration in the embodiment of the present invention.

FIG. 19 is a diagram showing an example of a data configuration of a receivables and payees database according to the embodiment of the present invention.

FIG. 20 is a flowchart showing a processing flow in a server and a data processing device on the loan institution side regarding the receivables receivable statement registration processing in the embodiment of the present invention.

FIG. 21 is a diagram showing an example of an account receivable statement input form according to the embodiment of the present invention.

FIG. 22 is a diagram illustrating a data configuration example of a receivables-detailed statement database according to an embodiment of the present invention.

FIG. 23 is a flowchart illustrating an example of a possible loan amount calculation process according to the embodiment of the present invention.

FIG. 24 is a flowchart illustrating an example of a loan processing flow when a customer actually applies for a loan in the embodiment of the present invention.

FIG. 25 is a diagram showing an example of a loan application form in the embodiment of the present invention.

FIG. 26 is a diagram showing an example of a credit status browsing screen according to the embodiment of the present invention.

FIG. 27 is a diagram showing an example of a “desired financing condition selection form” in the embodiment of the present invention.

FIG. 28 is a diagram showing an example of a loan statement according to the embodiment of the present invention.

FIG. 29 is a diagram illustrating an example of a flow of a claim transfer registration support process according to an embodiment of the present invention.

FIG. 30 is a diagram showing an example of a transaction history screen including transaction history information on a customer according to the embodiment of the present invention.

FIG. 31 is a diagram showing an example of a balance list screen relating to a customer in the embodiment of the present invention.

FIG. 32 is a block diagram illustrating a configuration example of a customer evaluation system according to an embodiment of the present invention.

FIG. 33 is a diagram showing an example of a customer ranking table used in the customer evaluation system of FIG. 32.

FIG. 34 is a block diagram illustrating a configuration example of an accounts receivable evaluation system according to an embodiment of the present invention.

FIG. 35 is a flowchart illustrating a flow example of a process of updating various databases according to the embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 10 Server 11 Homepage data storage unit 13 Document processing unit 15 Communication unit 20 Data processing device 21 Customer evaluation system 22 Accounts receivable evaluation system 23 Joining processing unit 25 Accounts receivable registering unit 26 Accounts receivable statement registration processing unit 27 Loan Processing unit 28 Registration support processing unit 31 Display device 32 Input device 33 Printing device 40 Database unit 41 Accounts receivable / receivable database (DB) 42 Accounts receivable statement database 43 Customer database 44 Non-delivery information database 45 Corporate information database 46 Transaction history database 50 Internet 51 Client (computer) 100 Loan institution

 ──────────────────────────────────────────────────続 き Continuing from the front page (71) Applicant 500208874 Shuichi Tanakamaru 2-7-7 Shin-Yokohama, Kohoku-ku, Yokohama, Kanagawa Prefecture Inside Galiaplus Co., Ltd. (72) Inventor Yasuhiko Miura 2-chome, Shin-Yokohama, Kohoku-ku, Yokohama, Kanagawa Prefecture No. 17 Inside Galia Plus Co., Ltd. (72) Inventor Yuichi Togashi 2-7-7 Shin-Yokohama, Kohoku-ku, Yokohama, Kanagawa Prefecture 17 Within Galia Plus Co., Ltd. (72) Shuichi Tanakamaru 2-7-1 Shin-Yokohama, Kohoku-ku, Yokohama, Kanagawa Prefecture 17 F-term in Galia Plus Co., Ltd. (reference) 5B055 BB16 CA05 CB01 CC11 CC13 EE27 FA05

Claims (9)

[Claims] Claims: 1. A receivables-secured financing system for financing with receivables as collateral, comprising receiving input of detailed information of receivables held by a loan applicant via a communication network. Accounts receivable detail registering means to be registered in a database; means for receiving a loan application from the loan applicant; Loan for determining a loan amount to the loan applicant based on the registered contents of the accounts receivable detail database An amount receivable-secured financing system comprising: 2. A receivables registering means for receiving information for specifying a receivables of the loan applicant and registering the information in a receivables database, and the receivables of the loan applicant. Means for determining a credit limit based on information relating to the transaction, and means for determining a loanable amount based on the total effective credit amount of the registered accounts receivable and the credit limit. 2. The receivables-secured loan system according to claim 1, wherein the amount determining means determines the amount of the loan for the loan applicant according to a customer's request within the range of the possible amount of the loan. 3. The receivables-secured loan system according to claim 1, further comprising means for notifying the loan applicant of the determined loan amount. 4. A ranking table for classifying all combinations of the degrees of a plurality of input items related to the credit of a customer to be loaned into a plurality of ranks, and data representing the degree of the plurality of input items of a given customer. Receiving the input item data, applying the input item data to the ranking table, and determining which rank the customer belongs to, and determining the rank of the customer based on the determined rank. 4. A receivables-secured loan system according to claim 1, further comprising: a loan limit adjusting means for adjusting a loan limit. 5. The effective total receivables are the sum of (receivables amount x cash ratio x collateral ratio) or (receivables amount x collateral ratio) of each receivable. 3. The receivable according to claim 2, further comprising: a DB periodic update unit that performs an update process; and a collateral ratio adjustment unit that adjusts a collateral ratio based on specific data of the accounts receivable database. Loan secured loan system. 6. A system according to claim 1, further comprising a customer database storing information of the financing customer, and a registration support means for supporting a transfer receivable registration based on the contents of the customer database and the accounts receivable detail database. 5. The receivables-secured financing system according to any one of 5. 7. A receivables-secured financing method for financing with receivables as collateral, comprising: receiving details of receivables held by a loan applicant through a communication network, and receiving receivables details. Registering in a database; receiving a loan application from the loan applicant; and determining a loan amount to the loan applicant based on the registered contents of the accounts receivable statement database. A receivable-backed loan method characterized by the following. 8. A step of receiving input of information for specifying the receivables of the loan applicant and registering the information in the receivables database, and providing information relating to transactions of the loan applicant with the receivables. Determining a loan amount based on the effective credit amount of the registered accounts receivable and the loan amount based on the credit limit, and determining the loan amount. 8. The method according to claim 7, wherein the financing amount of the financing applicant is determined according to a customer's request within the range of possible financing. 9. A customer evaluation system for evaluating a loan target customer, comprising: a ranking table for classifying all combinations of the degrees of a plurality of input items related to the credit of the loan target customer into a plurality of ranks; Input item data receiving means for receiving data indicating the degree of the plurality of input items of a given customer; and applying these input item data to the ranking table to determine which rank the customer belongs to A customer evaluation system, comprising: a determination unit; and a rank output unit that outputs a rank determined by the determination unit.