JP2002056199A - Factoring system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a factoring system which enables a new fund raising method adaptive to a care insurance system. SOLUTION: The factoring system which supports care factoring operation by making a factoring company 10 buy the care feed credit (accounts receivable) that a care trader 20 has an collect credit from the national insurance union 40 as a debtor is equipped with a means which registers and manages basic information regarding the trader and debtor, a means which receives notice of the amount of care fee credit from the trader, a means which sets the amount obtained by multiplying the about amount by a specific rate (70 to 80%) as an upper-limit amount payable to the care trader, a means which prepays temporary money to the trader within a range not exceeding the upper-limit amount at a request, and a means which makes adjustment by paying the unpaid amount to the care trader when the debtor pays within the period.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a contract for transferring a claim between a business operator and a factoring company, notifying a debtor of the claim of the conclusion of the contract for transferring the claim, and The present invention relates to a factoring system for paying a corresponding fee from a factoring company to a business operator and supporting a factoring company to perform a factoring operation of receiving a payment as a collection of a debt from a debtor when a due date of the debt has arrived.

[0002]

2. Description of the Related Art Conventionally, small and medium-sized enterprises, etc. raise funds by a method of receiving a loan from a bank or the like based on the credit of the company itself or a method of paying the receivable based on the credit of the receivable. Factoring, etc., which receives advance payment for the receivable before the due date.

[0003] In the conventional factoring business, a contract for the transfer of accounts receivable resulting from, for example, the fact that a supplier delivers goods or the like to a paying company is concluded between the delivering company and the factoring company. Notify the paying company of the conclusion of the transfer agreement and receive a "consent without objection" under the Civil Code for the transfer of the receivables. Factoring companies
When a receivable is generated, the data of the amount is received from the paying company, and an amount obtained by discounting a predetermined fee or the like from the amount indicated by the data is paid in advance to the supplier as a substitute (purchase price) for the receivable. As a result, suppliers, etc.
Funds can be raised before the due date of accounts receivable. The factoring company receives payment of the amount corresponding to the receivable from the paying company when the payment date comes. Factoring companies are making profits by collecting fees and the like for a series of processes.

[0004]

[Problems to be Solved by the Invention] In the field of nursing care, the introduction of the nursing care insurance system has led the private care service providers and social welfare corporations to carry out nursing care services that have been performed by the government until now. . The main person in charge of the nursing care service business is often a small or medium-sized business that is close to the community. For these small and medium-sized service providers, securing a stable financing method has become an important issue in order to combat free competition with major companies that will enter the market in the future.

[0005] Under the long-term care insurance system, service providers in principle allocate 90% of the fees (rewards) for providing long-term care services to the National Federation of National Health Insurance Organizations (hereinafter referred to as “federations”).
The National Health Insurance Federation requests and receives it, and the remaining 10% is collected from the party who receives the service. The service provider submits a receipt as a statement showing the contents of the service provided to the user to the National Health Insurance Federation, and the National Health Insurance Federation examines the content of the submitted claim and only pays the amount of money passed by the business operator To pay to. Payments from the National Health Insurance Federation usually take less than two months, due to circumstances such as screening. Therefore, funding until payment from the National Health Insurance Federation becomes a serious problem for small and medium-sized service providers.

[0006] On the other hand, loans to small businesses have high credit risk, and it is difficult to see industry trends in the nursing care business, so that the credit stance of banks tends to be passive. In addition, depending on the examination by the National Health Insurance Federation, there was a problem that the amount paid on the due date fluctuated, and the conventional factoring work could not be directly applied to the field of nursing care.

The present invention has been made in view of such a problem, and an object of the present invention is to provide a factoring system which enables a new fund procurement method corresponding to a long-term care insurance system.

[0008]

The gist of the present invention to achieve the above object lies in the following inventions. [1] A contract for the transfer of receivables is made between the business operator (20) and the factoring company (10), and the debtor (4
0) is notified of the conclusion of the transfer agreement of the said claim, and a payment corresponding to the said transferred claim is paid from the factoring company (10) to the business operator (20), and the due date of the claim comes. In the factoring system (100) for supporting the factoring company (10) in performing a factoring business in which the debtor (40) receives payment as the collection of the receivables, the operator (20) and the debtor (40) ) And registration management means (410) for registering and managing predetermined basic information relating to the basic information related to the obligor (40). A predetermined amount of the claim information indicated by the received claim information acquiring means (421) and the claim information indicated by the claim information received through the claim information acquiring means (421). An upper limit amount setting means (422) for setting an amount obtained by multiplication to an upper limit amount which can be prepaid among the payments, and a prepayment request receiving means for receiving a prepayment request for the payment from the business operator (20) ( 431)
And prepayment execution means (432) for, when receiving the prepayment request, prepayment of the substitute to the business operator (20) within a range where the total amount of the prepayment does not exceed the upper limit amount. Feature factoring system (10
0).

[2] A contract to transfer the receivable is made between the business (20) and the factoring company (10), and the debtor (40) of the receivable is notified of the conclusion of the transfer of the receivable,
The factoring company (10) pays the repayment in accordance with the transferred loan to the business operator (20), and when the date of the loan comes, the factoring company (10) sends the debtor (40) In a factoring system (100) for supporting the execution of a factoring task of receiving payment as a collection of the above-mentioned receivables,
Registration management means (410) for registering and managing predetermined basic information relating to the business (20) and the debtor (40)
Claim information receiving means (421) for receiving, from the business entity (20), claim information indicating the amount of claims claimed by the business entity (20) to the debtor (40); An upper limit amount setting means (422) for setting an amount obtained by multiplying a claim amount indicated by the claim information received through (421) by a predetermined multiplier to an upper limit amount which can be prepaid among the substitutes; Prepayment request receiving means (43) for receiving a prepayment request for the substitute from (20).
1) and prepayment execution means (432) for, when receiving the prepayment request, performing prepayment of the payment to the business operator (20) within a range where the total amount of prepayment does not exceed the upper limit amount;
And a payment means (440) for paying an unpaid amount corresponding to the amount to the business operator (20) when receiving payment as collection of the receivable from the debtor (40). Characteristic factoring system (1
00).

[3] A part of the reward for the service provided by the business (20) to the user is assigned to the debtor (40).
Under a mechanism in which the user pays the remaining payment, the factoring company (10) performs a collection operation of collecting the user's share from the user, and the upper limit amount setting means (42).
2) comparing the amount of the claim derived from the amount paid by the user with the amount indicated by the billing information received from the business operator (20), and based on the result, the legitimacy of the billing information. The factoring system (100) according to [1] or [2], wherein:

[4] The upper limit amount setting means (422)
The method is characterized in that the upper limit is set to an amount obtained by multiplying a smaller amount of the amount of the claim derived from the amount of the collected user's share and the amount indicated by the billing information by a predetermined multiplication. The factoring system according to [3] (10)
0).

[5] The upper limit amount setting means (422)
A history of the difference between the billing information received from the business (20) and the payment amount from the debtor (40) is obtained,
Based on this, the value of the multiplication for the business (20) is increased or decreased, [1], [2],
The factoring system (100) according to [3] or [4].

[6] On the basis of the result of a preliminary investigation for the business (20) requested by a predetermined damage assurance company, it is determined whether or not to conclude a claim transfer contract with the business (20). In addition, when concluding a claim transfer agreement, an initial value of the multiplication for the business operator (20) is set based on the result of the preliminary investigation [1], [2]. , [3], [4] or [5].

[7] The prepayment request receiving means (431)
Has a function of registering the contents of a periodic prepayment request and a function of periodically executing a prepayment request of the registered contents [1], [2], [3], [4]. ],
The factoring system (100) according to [5] or [6].

[8] The business (20) is a care provider, the debt is a long-term care compensation claim, and the debtor (40) is a federation of national health insurance organizations in each prefecture. Wherein the claim information represents the contents of a long-term care remuneration claim submitted by the business (20) to the National Health Insurance Association Federation [1], [2],
The factoring system (100) according to [3], [4], [5], [6] or [7].

[9] A contract for transfer of the loan is made between the business operator (20) and the factoring company (10), and the debtor (40) of the bond is notified of the conclusion of the transfer contract for the bond.
The factoring company (10) pays the repayment in accordance with the transferred loan to the business operator (20), and when the date of the loan comes, the factoring company (10) sends the debtor (40) In a computer-readable recording medium that records a program for implementing a factoring system that supports the execution of a factoring business that receives payment as a collection of the debt from a company, the computer is connected to the business (20) and the debtor ( A registration management unit (410) for registering and managing predetermined basic information relating to (40); and billing information indicating the amount of the claim charged by the business (20) to the debtor (40), to the business (20). From the credit information receiving means (421) received from the client and the bonds received through the credit information capturing means (421). An upper limit setting means (422) for setting the amount obtained by multiplying the amount of the claim indicated by the claim information by a predetermined multiplier to the upper limit of the advance which can be paid in advance; A prepayment request receiving means (431) for receiving a prepayment request, and a prepayment for, when receiving the prepayment request, prepayment of the price to the business operator (20) within a range where the total amount of the prepayment does not exceed the upper limit. Execution means (432), and settlement means (440) for, when receiving payment from the debtor (40) as a collection of the receivable, paying the unpaid portion corresponding to the amount to the business operator (20) for settlement. A computer-readable recording medium on which a program for functioning as a computer is recorded.

The present invention operates as follows. As a premise, a transfer agreement of a claim (care-care receivable) is concluded between the operator (20) (service provider (20)) and the factoring company (10), and the debtor of the claim (40) (National Health Insurance Federation) Will be notified of the conclusion of the loan assignment agreement.

The registration management means (410) is provided by the business (2)
0) and basic information relating to the debtor (40) are registered and managed. The receivable information acquisition means (421) of the factoring system (100) transmits the claim information (a copy of the receipt, etc.) indicating the amount of the receivables claimed by the provider (20) to the debtor (40). Accept from. For example, it reads and decodes the details of the details sent by facsimile, or registers the billing information input from the terminal on the screen or the billing information sent through the communication line in the database of the present system.

The upper limit amount setting means (422) can multiply the amount of the claim indicated by the claim information received through the claim information taking means (421) by a predetermined multiplying amount by a predetermined amount in the price of the receivable. Set a reasonable maximum amount. For example, when the basic information is registered, the value of the multiplier is set to about 70 to 80%, and the amount obtained by multiplying the amount indicated by the billing information by the multiplier is set as the upper limit amount that can be paid in advance.

The prepayment request receiving means (431) receives a prepayment request for a substitute from the business operator (20). For example, a 70% prepaid bill application form indicated by the billing information is received by facsimile, the contents are read by OCR, and the contents are analyzed to accept the prepaid request.

When the prepayment execution means (432) receives a prepayment request through the prepayment request receiving means (431),
As long as the total amount of the prepayment does not exceed the maximum amount previously determined,
The business (20) is paid in advance for the money. For example, when the prepayment request is received in a plurality of times, the difference between the total amount of the prepayment up to the previous time and the upper limit is the upper limit amount that can be paid this time.

As described above, the amount obtained by multiplying the amount indicated by the billing information by a certain amount is set as the upper limit of the prepayment, and the prepayment is performed within a range not exceeding this amount. Even if the amount shown is somewhat smaller than the amount indicated by the billing information, no loss is caused to the factoring company (10), and even if there is a slight error in the amount indicated by the billing information from the business operator (20), the factoring work can be smoothly performed. Can be done.

The settlement means (440) is provided by the debtor (4).
When payment is received for collection of the loan from 0), the amount of the payment for the loan is reviewed according to the amount, and the unpaid portion is paid to the business operator (20). For example, when the amount indicated by the billing information is paid from the National Health Insurance Federation, the amount obtained by subtracting the advance payment and the commission from the amount is settled as the unpaid amount. On the other hand, if the amount paid by the National Health Insurance Federation is less than the amount indicated by the billing information, the amount after deducting the advance payment and the commission from the amount is settled as the unpaid portion. As a result, even if the amount paid by the National Health Insurance Agency fluctuates slightly, an appropriate amount can be paid to the service provider on the due date. In other words, it is possible to settle the account after making an error request from the business operator (20).

Under a system in which the debtor (40) pays a part of the reward for the service provided by the business (20) to the user and the user bears the rest, the factoring company (10) Carry out collection work for the burden. Under the long-term care insurance system, NHI claims 90% of the nursing care fee, and the remaining 1
The factoring company (10) is responsible for collecting the 10% of this amount from the user.
Do with.

The upper limit amount setting means (422) compares the amount of the loan derived from the amount borne by the user with the amount indicated by the billing information received from the business operator (20) to determine the validity of the billing information. Is determined. For example, an amount obtained by multiplying a lesser of the amount of the receivable derived from the amount collected from the user and the amount indicated by the billing information by a predetermined multiplier is set as the upper limit amount that can be paid in advance.

For the long-term care receivables, the business operator (20) prepares a claim and requests the JPO, but since data is normally input manually, input errors may occur. In addition, fraudulent charges may be considered. Therefore, the amount of the nursing care receivables derived from the amount borne by the user is compared with the amount indicated by the billing information submitted by the business operator (20), and the lesser amount is set as the upper limit of the advance payment. By doing so, it is possible to reduce the risk of improper billing and erroneous billing.

The upper limit setting means (422) keeps a history of the difference between the billing information received from the business operator (20) and the payment amount from the debtor (40), and based on this, based on the history. Increase or decrease the value of the multiplier for. Regarding the business operator (20), whose billing amount from the business operator (20) and the payment amount from the National Health Insurance Federation continue to be almost the same, the reliability of the billing information is high.
The risk of the factoring company (10) is small, so that the operator (20) can be provided with more funds at an early stage.
On the other hand, the risk of the factoring company (10) is reduced by lowering the number of the operators (20) in which the difference between the billed amount and the amount paid by the National Health Insurance Federation continues to be large or the difference greatly fluctuates. be able to.

As described above, the value of the multiplier for the business operator (20) is increased or decreased based on the history of the difference between the amount indicated by the billing information received from the business operator (20) and the payment amount from the debtor (40). Therefore, the value of the multiplication is changed to each company (2
0) can be maintained at an optimum value according to the reliability.

If the prepayment request receiving means (431) has a function of periodically executing a prepayment request in accordance with the contents registered in advance, if the same prepayment request is issued every month, the business (20) ) Can be saved, and forgetting of the request can be prevented, and the convenience is improved.

Further, the business entity (2)
Based on the preliminary investigation of 0), whether or not to conclude a loan transfer agreement with the business operator (20) and the initial value of the credit are set, and the credit inspection business for the business operator (20) is performed. Since it is separated from the factoring company (10) and entrusted to a specialized research company or the like, it is possible to smoothly introduce and operate the factoring business.

It is to be noted that, if a recording medium storing a program for causing a computer to function as each of the above means is stored and sold, the system can be widely used.

[0032]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. Each drawing shows an embodiment of the present invention. FIG. 1 shows a flow of factoring work performed using the factoring system according to one embodiment of the present invention. Under the long-term care insurance system, the National Health Insurance Federation 40 pays, in principle, 90% of the fees for long-term care services provided by the long-term care service provider 20 to users who apply long-term care insurance, and the remaining 10% is paid by the users. It is supposed to.

In order to receive 90% of the insurance payment from the National Health Insurance Federation 40, the nursing care service provider 20 sends a receipt or the like as a detailed description of the contents of the provided nursing care service to the National Health Insurance Federation 40 as a request for a nursing care compensation claim. hand in. National Health Insurance Federation 4
0 evaluates the contents of the submitted claim (benefit limit, etc.) and provides insurance benefits only for those that pass the examination.
It usually takes less than two months from the time the claim is filed to the time the insurance payment is actually made.

In this factoring business, the care service receivables held by the nursing care service provider 20 are transferred to the factoring company 10, and 70 to 80% of the purchased funds are transferred to the nursing care service provider 20 before the due date of the receivable comes. By paying in advance, the nursing care service provider 20 supports the cash flow. In the long-term care insurance system, only the portion that passes the examination is paid by the National Health Insurance Federation 40, so the amount submitted by the long-term care service provider 20 as claimed by the NPO may not be paid out by the National Health Insurance Federation 40. Therefore, in order to prevent the loss of the factoring company 10,
The maximum amount of advance payment is restricted to 70 to 80% of the receivable purchase amount.

More specifically, the factoring company 10
At the stage of receiving an application for factoring from the nursing care service provider 20,
A request for a guarantee, such as a survey or consulting, for the nursing care service provider 20 is made (scheme 1). The survey mainly examines whether services can be provided comprehensively and continuously in accordance with the Long-Term Care Insurance Law, and whether there is any problem with the administrative management system for billing practices (Scheme 2).

As a result of the survey, if the nursing care service provider 20 has no special problem, a basic contract for contract of factoring is concluded between the nursing care service operator 20 and the factoring company 10, and based on the contract, a guarantee outsourcing contract is made. A contract between the business operator 20 and the damage guarantee company 30 and a contract between the factoring company 10 and the damage guarantee company 30 are concluded (scheme 3). Next, nursing care service providers 2
0 and the factoring company 10 conclude a transfer contract for the nursing care receivables for a predetermined period, such as the next one year (scheme 4), and give the notice to the National Health Insurance Federation (hereinafter referred to as National Health Insurance Federation) 40. (Scheme 5). As a result, the transfer of the nursing care reimbursement will have a third party rival requirement.

The nursing care service provider 20 provides various types of nursing care services such as home service and facility service to nursing care insurance users, and sends a claim showing the details to the National Health Insurance Federation 40 to request insurance benefits. That is, a request for a long-term care compensation claim is made (scheme 6). The nursing care service provider 20 sends a copy of the receipt submitted to the National Health Insurance Federation 40 to the factoring company 10 as claim information. This billing information indicates the face value (contents of the long-term care receivable) of the insurance payment requested by the care service provider 20 to the National Health Insurance Federation 40.

Thereafter, when the nursing care service provider 20 applies for advance payment of the payment for the nursing care remuneration to the factoring company 10 (scheme 7), the factoring company 10
The amount obtained by multiplying the amount indicated by the billing information by a predetermined multiplication (70 to 80%) is set as the upper limit amount, and the payment for the long-term care receivable is paid in advance within this range (scheme 8). Thereafter, when the due date of the long-term care receivable purchased from the long-term care service provider 20 comes, the factoring company 10 receives the payment from the National Health Insurance Federation 40 and collects the long-term care receivable (Scheme 9).

The factoring company 10 pays the balance to the nursing care service provider 20 in consideration of the amount paid by the National Health Insurance Federation 40, factoring fees, and the like (scheme 10). The factoring company 10 secures profits by an administration fee for factoring work, a discount fee for advance payment, and the like.

Since the debtor (the National Health Insurance Federation) is a public institution with a high creditworthiness, the risk of the debtor is close to zero and there is little concern about the collection of the debt. If there is a human error in the creation process or a fraudulent claim based on malice, payment of an amount corresponding to the billing information may not be received from the National Health Insurance Federation 40.

Therefore, in order to avoid the risk of the factoring company 10, a preliminary investigation is performed by the damage guarantee company 30, and the upper limit of the advance payment is set to 7 to 7 of the amount indicated by the billing information.
It is set at about 80%, and the balance is settled on the due date. If the amount collected from the National Health Insurance Federation is smaller than the amount paid in advance, the loss will be covered by the damage guarantee company.

The collection work of the user's contribution (for 10%)
The factoring company 10 acts on behalf of the company. The amount of collected user contributions and nursing care service providers 2
This is because the legitimacy of the billing information can be recognized to some extent by comparing the amount indicated by the billing information submitted from zero. Specifically, the upper limit of the prepayment is the amount obtained by multiplying the insurance benefit derived from the amount of the collected user contributions and the lesser of the insurance benefits indicated in the claim information by a predetermined multiplier. The amount is set to reduce the risk.

FIG. 2 shows a schematic configuration of a factoring system 100 used for performing the above-described factoring business. The factoring system 100 includes a business server 110, a business terminal 120, and an OCR receiving terminal 1.
30, a facsimile transmission terminal 140, an EB terminal 150, and a network 160 connecting the terminals and servers.

The business terminal 120 is a terminal device for inputting various data and the like regarding the National Health Insurance Federation 40 and each care service provider 20. The business server 110 is a core part of the present system, and is a computer device that executes various processes such as registration management of the care service provider 20 and the like. The OCR receiving terminal 130 is a care service provider 2
It reads the characters of the prepaid application form sent from 0 through facsimile or the like.

The facsimile transmission terminal 140 is a terminal device for transmitting a prepaid money transfer notice sheet or the like to the nursing care service provider 20 or the like. The EB terminal 150 is a terminal device for performing electronic banking, and manages the transfer of funds. In this system, payment information and the like received from the National Health Insurance Federation 40 are processed into data in a predetermined format that can be processed by a computer, and then input from the business terminal 120.

FIG. 3 shows the transfer of funds when the factoring system 100 performs factoring work. The factoring company 10 has a revenue account 310
And a settlement account 320. Payment account 320
The revenue account 310 is created for each National Health Insurance Federation.
The transfer of the advance payment and the balance at the time of due date settlement to the registered account 330 of the care provider is performed from the settlement account 320 by electronic banking. In addition, the settlement account 320 receives a due date settlement fund from the National Health Insurance Federation. The revenue account 310 includes:
Fees and the like collected at the time of the transfer of the advance payment to the nursing care service provider 20 and the transfer of the balance at the time of due date settlement are transferred from the settlement account 320.

FIG. 4 shows a functional configuration of the factoring system 100. The factoring system 100 includes a registration management unit 410 and a credit information acquisition unit 4
21, an upper limit amount setting unit 422, a prepayment request receiving unit 431, a prepayment execution unit 432, and a settlement unit 440.

The processing performed by the factoring system 100 includes a registration management processing 410, a debt acquisition processing 420,
There are prepaid execution processing 430 and settlement means 440. In the registration management process that performs the function of the registration management unit 410, registration and management of basic information relating to the nursing care service provider 20 and the National Health Insurance Federation 40 are performed. The receivable acquisition process 420 for taking in care-reward receivable data, managing claim information, and the like is a process that performs a function corresponding to the receivable information acquisition means 421 and the upper limit amount setting means 422.

The prepayment execution process 430 for receiving a prepayment request from the nursing care service provider 20, transferring the prepayment money, and issuing a reception slip or a calculation sheet corresponds to the prepayment request receiving means 431 and the prepayment execution means 432. This is the process that performs the function. The due date settlement process 440 for performing a settlement process for a prepayment or issuing a notice when the due date of the loan has arrived is a process corresponding to the function as the settlement unit 440. Hereinafter, details of each of these processes will be described.

The registration management process 410 is a process for registering, changing, and deleting information on the payer (the National Health Insurance Federation 40) and the nursing care service company necessary for performing the long-term care insurance factoring business as a master. is there. As for the National Health Insurance Federation 40, a settlement account 320, a revenue account 310, and the like are registered in addition to the name, address, and telephone number. For the nursing care service provider 20, a business name, an address, a telephone number, a FAX number, a registration account 330 of a care provider, and the like are registered.

Further, regarding the nursing care service provider 20, the OCR used when the prepaid
A security code at the time of capture, a value used for determining an upper limit, various kinds of information for periodically prepaying a loan, and the like are registered. The information for regular prepayment is registered such as a designated prepayment date (the number of days in each month), and whether the prepayment amount is a predetermined part of the upper limit or all prepayable amounts. .

In the receivable acquisition process, the nursing care service provider 2
The credit data obtained by converting the contents of the billing information sent from 0 into a predetermined format such as a Zengin format is fetched at once. That is, as shown in FIG.
The contents (claim information) of the insurance benefit claim sent from 0 are processed into data in a format that can be processed by a computer, and are taken into the business terminal 120. Individual registration through the screen of the business terminal 120 is also possible.

When the billing information is taken in, its contents are checked. For example, make sure you have the required items,
It is checked whether the business indicated by the trader number is registered or not. These processes correspond to the function of the credit information acquisition unit 421. Please note that when you successfully import billing information,
The transfer receivables notice is automatically created and automatically transmitted from the FAX transmission terminal 140 to the corresponding company.

When the receivable take-in process is performed normally, a state in which prepayment is possible is established. The day when this prepayment is possible will be referred to as a prepayable start possible date. In this system, the period in which prepayment is possible is limited to three days before the date on which the receivable is due and after the date on which prepayment can be started.

In the receivable taking process, the upper limit setting means 422
As a function of, the upper limit amount that can be paid in advance is set. When the collection of the user contribution is not performed, the amount obtained by multiplying the amount indicated by the claim information (insurance claim amount) by a cross-set previously registered for the business is set as the upper limit amount. . On the other hand, when the collection of the user's contribution is performed, as shown in FIG. 5, the amount obtained by multiplying the collected amount by nine, that is, the insurance claim amount 510 derived from the collected amount and the billing information are shown. The insurance claim amount 520 is compared. Then, the small amount (the amount that is not large considering equality) 530 is set as the amount of the nursing care receivable, and the amount obtained by multiplying the amount is set as the upper limit 540 of the advance payment.

In the prepaid execution processing, the care service provider 2
OCR analysis of a factoring application form (prepayment application form) transmitted from 0 through facsimile or occasional prepayment processing for accepting a prepayment request by inputting a screen from the business terminal 120, and periodic prepayment periodically according to pre-registered contents There is prepayment processing. In the prepaid process at any time, the contents of the factoring application form received from the nursing care service provider 20 are inspected variously, and only when the inspection passes,
A prepayment is made. In the inspection process, check whether the desired prepaid date is within the prepaid available period, check the password,
A check is made as to whether the prepaid application amount does not exceed the upper limit of the prepaid amount.

More specifically, in consideration of the case where the application for prepayment is made a plurality of times and the case where the periodic prepayment is set, the total amount of Only if the sum of the prepayment does not exceed the upper limit of the prepayment, the prepayment according to the current factoring application is made, otherwise the prepayment is not possible. The advance payment is transferred from the settlement account 320 to the registered account 330 of the care provider by electronic banking.

In the case where the total amount of the prepaid application exceeds the upper limit, it is possible to make a prepaid payment only within the upper limit. Is also not prepayable.

When executing the prepayment, the prepayment processing such as a remittance fee, an administrative fee, etc., as well as a discount fee calculated in consideration of the number of days between the date of the advance payment and the due date and the advance payment rate, etc. The process of transferring various expenses from the settlement account 320 to the corresponding profit account 310 is performed by electronic banking.

In the periodic prepayment process, when the date of the periodic prepayment set and registered in advance comes, the prepayment is executed in accordance with the contents set and registered in advance. In this case, fees and discounts are automatically calculated, and the settlement account 320
From the corresponding account 310 for profit.

In the prepaid execution processing, details such as the prepaid amount, the commission, and the discount are transmitted by facsimile from the facsimile transmission terminal 140 to the corresponding nursing care service provider 20. Among the above-described processes, the process of receiving a prepayment request and checking its contents is performed by the prepayment request receiving unit 431.
The process of actually performing electronic banking on the registered account 330 or the profit account 310 of the care provider or the process of issuing an instruction to perform electronic banking corresponds to the prepayment execution unit 432.

In the settlement processing of the bond due date, first,
The information representing the fixed payment amount (fixed receivable amount) from is imported as due date data. Note that the date data may be individually registered by inputting a screen on the business terminal 120. When the payment from the National Health Insurance Federation 40 is confirmed, the amount obtained by subtracting the prepaid amount from the fixed amount of the receivable is transferred to the nursing care service provider 20 as the due date (remaining balance) and settled (see FIG. 6).

More specifically, when the amount obtained by subtracting the prepaid amount and various expenses such as commissions generated at the time of prepaid and settlement from the fixed amount of the receivable is larger than 0, it is regarded as normal.
The following cases are treated as abnormal. If the amount (basic settlement amount) obtained by subtracting the prepaid amount and various expenses such as commissions generated at the time of prepaid and settlement from the receivable settlement amount is greater than 0, the expenses at settlement such as the commission at settlement from the basic settlement amount. Is transferred to the registered account 330 of the corresponding nursing care service provider 20 by electronic banking as the due date settlement fund.

As for various expenses at the time of settlement, a process of transferring from the settlement account 320 to the corresponding profit account 310 is performed by electronic banking. Further, a notification about the due date payment amount and the like is transmitted by facsimile from the fax transmission terminal 140 to the corresponding nursing care service provider 20.

In addition, the present system can output various forms. For example, basic information registered for each nursing care service provider 20 and the National Health Insurance Federation 40, the balance of receivables and prepayment for each provider, transaction history, balance certificate for the provider, a list of providers, a list of regular prepayments, etc. Forms can be output.

Further, in this system, the amount indicated by the billing information submitted by the nursing care service provider 20
The history of the difference from the actual amount of the fixed receivables is registered for each business operator, and based on the history, the multiplied value set for each business operator for each predetermined period is reviewed. ing. In other words, if the amount of billing from the operator and the amount of payment from the National Health Insurance Federation continue to be almost the same, the reliability of the billing information is high, and the number of crossings is increased from 70-80% to 90%, etc. . Even if you increase the size in this way, the risk of the factoring company is small,
As a result, the operator can be provided with more funds at an early stage.

On the other hand, for a business operator in which the difference between the invoiced amount and the amount paid by the National Health Insurance Federation continues to be large or the amount of change in the amount is large, the risk of the factoring company is reduced by lowering the multiplication factor than usual. be able to.

In the above-described embodiment, the prepaid application is accepted through a facsimile or the like. However, the billing information, the prepaid application, and the like may be accepted in electronic data. For example, you may comprise so that it may accept through the internet. Similarly, instead of facsimile transmission of various notices, electronic mail may be transmitted to each business operator using predetermined electronic data.

In the embodiment, the factoring work for the care fee under the care insurance system has been described.
The scope of accounts receivable is not limited to this, and the amount of accounts receivable presented by the assignor of the receivables (the debtor) is high, and the amount of fixed receivables collected on the due date This factoring system can be applied to a factoring business in a situation where the factors do not always match.

Further, if a program for causing a computer to function as each means shown in FIG. 4 is stored in a recording medium such as a CD-ROM, the factoring system can be spread by selling the program.

[0071]

According to the factoring system of the present invention, up to an amount obtained by multiplying the amount of the receivable presented by the business operator by a certain amount is used in accordance with the advance payment of the purchase price of the receivable. , The remainder will be settled on the due date of the receivable, so even if the amount collected from the debtor on the due date is less than the amount of the receivables indicated by the operator,
The factoring company is less likely to lose and can perform factoring operations smoothly.

In particular, when a long-term care insurance system uses long-term care compensation as a bond, the debtor becomes a high-credit National Health Insurance Federation. Therefore, the factoring company needs a small service provider based on the creditworthiness of the bond. Factoring work can be performed with confidence while being targeted. As a result, it is possible to provide a small service provider with a new way of raising funds.

In the nursing care insurance system, the principle of nursing care remuneration 9
A percentage is charged to the National Health Insurance Federation, and the remaining 10% is borne by the user. The factoring company performs the task of collecting this 10% from the user, and the amount paid by the user The amount of the nursing care receivable can be derived from the By setting the upper limit of the advance payment based on this amount and the smaller amount of the nursing care receivable presented by the operator, the risk due to improper billing or incorrect billing can be reduced. .

Further, the history of the difference between the amount of receivables presented by the business operator and the amount collected from the debtor is taken, and the value of the multiplication factor for each business operator is increased or decreased based on this history. Can be set to an optimal value according to the reliability of each business operator, and more funds can be supplied to a business with high reliability at an early stage while reducing the risk of the factoring company.

In the case where a regular prepayment can be registered, when a prepayment request having the same contents is issued every month, the trouble of the business operator can be reduced, and the forgetting of the prepayment request can be prevented, and the convenience can be improved. improves. In addition, based on a preliminary survey of the business operator who requested the damage guarantee company, it is not necessary to determine whether to enter into a contract to transfer the receivables with the business operator or to set the initial value of the multiplication. The credit investigation business is separated from the factoring company and outsourced to a specialized research company, etc., so that even a factoring company that does not have the research ability for nursing care providers can smoothly introduce and operate the factoring business. .

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a scheme in factoring work supported by a factoring system according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a schematic configuration of a factoring system according to one embodiment of the present invention.

FIG. 3 is an explanatory diagram showing a flow of funds in the factoring system according to one embodiment of the present invention.

FIG. 4 is a block diagram illustrating an outline of a functional configuration of a factoring system according to an embodiment of the present invention.

FIG. 5 is an explanatory diagram showing a procedure for determining an upper limit of advance payment in the factoring system according to one embodiment of the present invention.

FIG. 6 is an explanatory diagram showing a procedure for determining whether or not to make a prepayment in the factoring system according to one embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Factoring company 20 ... Nursing care service provider 30 ... Damage guarantee company 40 ... Government Federation 100 ... Factoring system 110 ... Business server 120 ... Business terminal 130 ... OCR receiving terminal 140 ... FAX transmission terminal 150 ... EB terminal 160 ... Network 310 ... Profit account 320 ... Account for settlement 330 ... Registered account of care provider 340 ... Account of the National Health Insurance Federation 410 ... Registration management means 420 ... Debt acquisition processing 421 ... Debt information acquisition means 422 ... Upper limit setting means 430 ... Prepaid execution processing 431: Prepaid request accepting means 432: Prepaid executing means 440: Settlement means

Claims (9)

[Claims] Claims: 1. A contract for the transfer of a receivable is concluded between a business operator and a factoring company, the debtor of the receivable is notified of the conclusion of the transfer contract for the receivable, and a payment in accordance with the transferred receivable is made. A factoring system that pays to the business from the factoring company and supports a factoring business in which the factoring company receives a payment as a collection of the receivables from the debtor when the due date of the receivables has arrived. And registration management means for registering and managing predetermined basic information related to the debtor; claim information capture means for receiving, from the business entity, claim information indicating the amount of the claim claimed by the business entity to the debtor; The amount obtained by multiplying the claim amount indicated by the claim information received through the claim information taking means by a predetermined multiplication is calculated as the substitute price. An upper limit setting means for setting an upper limit that can be paid in advance, a prepayment request receiving means for receiving a prepayment request for the substitute from the business operator, and when the prepayment request is received, a total amount of the prepayment is equal to the upper limit. And a prepayment execution means for prepayment of the substitute to the business operator within a range not exceeding. 2. A contract for the transfer of a claim is concluded between the business operator and the factoring company, the debtor of the claim is notified of the conclusion of the contract for the transfer of the claim, and a payment in accordance with the transferred claim is made. A factoring system that pays to the business from the factoring company and supports a factoring business in which the factoring company receives a payment as a collection of the receivables from the debtor when the due date of the receivables has arrived. And registration management means for registering and managing predetermined basic information related to the debtor; claim information capture means for receiving, from the business entity, claim information indicating the amount of the claim claimed by the business entity to the debtor; The amount obtained by multiplying the claim amount indicated by the claim information received through the claim information taking means by a predetermined multiplication is calculated as the substitute price. An upper limit setting means for setting an upper limit that can be paid in advance, a prepayment request receiving means for receiving a prepayment request for the substitute from the business operator, and when the prepayment request is received, a total amount of the prepayment is equal to the upper limit. Prepayment execution means for performing advance payment of the substitute to the business operator within a range not exceeding, and when payment is received from the debtor for collection of the receivables, the business operator pays the business operator an unpaid portion according to the amount. A factoring system, comprising: a payment means for performing payment. 3. Under a system in which the borrower pays a part of the reward for the service provided by the business to the user and the user bears the remainder, the factoring company allocates the user's share to the user. Performing the collection operation to collect from the, the upper limit amount setting means, comparing the amount of the claim derived from the amount of the user's share and the amount indicated by the billing information received from the business, the result 3. The factoring system according to claim 1, wherein the validity of the billing information is determined based on the billing information. 4. The upper limit amount setting means obtains a value obtained by multiplying a smaller amount of the amount of the loan derived from the collected amount of the user's burden and the amount indicated by the billing information by a predetermined multiplier. The factoring system according to claim 3, wherein an amount is set to the upper limit. 5. The upper limit setting means obtains a history of a difference between the billing information received from the business operator and a payment amount from the debtor, and based on the history, calculates a value of the multiplication for the business operator. The factoring system according to claim 1, 2, 3, or 4, wherein the factoring is changed. 6. Based on the result of a preliminary investigation requested to a prescribed damage guarantee company for said business operator, it is determined whether or not to make a contract for transfer of claims with said business operator, and And concluding the initial value of the multiplication factor for the business operator based on the result of the preliminary survey.
The factoring system according to 1. 7. The prepayment request receiving means has a function of registering the contents of a periodic prepayment request and a function of periodically executing a prepayment request of the registered contents. 7. The factoring system according to 2, 3, 4, 5, or 6. 8. The business operator is a caregiver, the debt is a long-term care compensation claim, the debtor is a federation of national health insurance organizations of each prefecture, and the claim information is 7. The contents of a claim for a remuneration for long-term care remuneration submitted by a trader to the Federation of National Health Insurance Organizations, characterized in that:
Or a factoring system according to 7. 9. A contract for the transfer of a claim between the business operator and the factoring company, notifying the debtor of the claim of the conclusion of the contract for transfer of the claim, and providing a repayment in accordance with the transferred claim. A factoring system for paying to the business from the factoring company and for supporting the execution of a factoring business in which the factoring company receives payment from the debtor as collection of the claim when the date of the claim comes. A computer-readable recording medium on which a program is recorded; a registration management means for registering and managing a computer with predetermined basic information relating to the business entity and the debtor; and a claim amount claimed by the business entity to the debtor. Claim information receiving means for receiving request information indicating the following from the business operator, said claim information capturing means An upper limit setting means for setting an amount obtained by multiplying a claim amount indicated by the claim information received through a predetermined multiplier to an upper limit amount which can be prepaid among the charges, and Prepayment request receiving means for receiving a prepayment request, and when receiving the prepayment request, prepayment execution means for performing prepayment of the payment to the business operator within a range where the total amount of prepayment does not exceed the upper limit amount,
A computer-readable recording medium storing a program for functioning as a settlement unit for paying an unpaid amount corresponding to the amount of payment when the debtor has received payment for collection of the debt from the debtor and paying the amount.