JP2002157429A - Computer system, method and program for making credit and debt float - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a more flexible system for making credits and debts float capable of being utilized by a supplier who is a creditor not making a contract among three parties beforehand and coping with the needs of the short-term fund investment and debt compression of a payer who is a debtor as well. SOLUTION: This system is provided with a transaction information input means (15), a first storage means (11) for storing the contents of the credits in relation to a credit/debt floating mark indicating the floating state of the credits/debts, a second storage means (13) for storing conditions for the floating of the credits/debts, debtor and creditor interface means (16 and 17), a credit/ debt floating processing means (14) for deciding the floating state of the credits/ debts and a credit/debt floating mark change means (12) for changing the credit/ debt floating mark corresponding to the floating state of the credits/debts.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a receivables / liabilities liquidation system for liquidating receivables and payables in commercial transactions, a receivables / liabilities liquidation method, and a receivables / liabilities liquidation program. In particular, the debtor liquidates the accounts receivable in commercial transactions with the creditor liquidating the accounts receivable, and the debtor liquidates the accounts payable, which is the counterpart to the accounts receivable, and thereby manages short-term funds. The present invention relates to a receivables / debt liquidation system, a receivables / debts liquidation method, and a receivables / debts liquidation program.

[0002]

2. Description of the Related Art Payment without bills between a payer who pays accounts payable for purchasing goods and the like and a trader who has accounts receivable to sell and receive the goods. As a method, there is a settlement method called a collective settlement method.

[0003] In the collective settlement method, a payer, a supplier and a financial institution make a contract to settle in advance by collective factoring or the like. Based on this agreement, the supplier transfers the receivables to the financial institution and receives payment for the receivables before the due date. The financial institution receives payment from the payer on the due date of the receivable.

For example, Japanese Patent Application Laid-Open No. 2000-181974 discloses a collective factoring apparatus for performing such collective factoring using a public network or the like. According to this device, the supplier can perform a balance inquiry and a payment reservation in real time, and the convenience by collective factoring is improved.

[0005]

However, the conventional apparatus including this apparatus has the following problems.

[0006] First, in the conventional apparatus, there are three parties to perform collective factoring and the like, that is, between a debtor, a payer, a creditor, a supplier, and a credit / debt liquidation institution such as a financial institution. Prior contract was required.
Therefore, the use of the collective factoring method by the conventional apparatus has been limited only to suppliers who have made a contract between the three parties in advance.

Second, the conventional device is mainly for responding to the need for early payment of a supplier who is a creditor, and has responded to the need for reducing bills to be paid.
The debtor's need for short-term funding and debt reduction was not taken into account at all.

That is, according to the conventional apparatus, the payer, the supplier, and the financial institution make a contract in advance for performing settlement by collective factoring, and based on this contract, the supplier pays the accounts receivable It was limited to cases where the proceeds were transferred to an institution and the payment for the receivables was paid before the due date, etc., and was not suitable for handling various receivables and liquidation conditions.

The present invention has been made to solve the above problems. In other words, the present invention can be used by a supplier who is a creditor who has not made a three-way contract in advance, and can meet the short-term fund management and debt reduction needs of a payer who is a debtor. A technical issue is to provide a secure receivable and debt liquidation system.

[0010]

According to the present invention, there is provided a computer system for liquidating receivables and payables, comprising: means for inputting transaction information between the creditor who generates the receivable and the debtor; A first method for storing the contents in association with a receivable / debt liquidation indicator indicating the liquidity status of receivables / debts
Means for storing, for each obligor, the terms of cash payment, the desired amount of the obligor for the underwriting of debt by the receivables and debt 2. The storage means and the credit for displaying to the creditor the contents of the credit and the terms of the cash payment for each debtor, and prompting the creditor to select the credit to be paid and to conclude the contract. To the debtor interface means and to the debtor, of the claims that the creditor has concluded with cash payments, the contents of the claim that was subject to the underwriting and / or the claim that was the subject of the assignment , Debtor interface means to confirm debt acceptance and / or acceptance of receivable assignment, and to select and enter into contracts with creditors, and to confirm debt acceptance by debtors or accept receivable assignments Means for determining the liquidity state of the receivable / debt, and a receivable / debt liquidation indicator for changing the receivable / debt liquidation indicator in accordance with the liquidity state of the receivable / debt Change means.

Further, the method for liquidating claims and debts according to the present invention includes a step of inputting transaction information between the debtor and the debtor who generates the claim, and
A step of storing in a first storage means in association with a receivable / debt liquidation indicator indicating a liquidity state of the debt; a condition of cash payment; Storing in the second storage means the allowable amount of credit to the debtor by the debt securitization institution in the second storage means, and instructing the creditor, for each debtor, of the contents of the claim and the conditions of cash payment; The step of displaying and prompting the user to select the receivables to be paid for cash and conclude the contract, and to the debtor, of the receivables for which the creditor concluded the contract for cash payment, the receivables subject to the assumption of debt Or display the contents of the receivable or both
Determine the liquidity status of receivables and payables based on the confirmation of debt assumption and / or acceptance of the transfer of receivables and the selection and conclusion of the contract by the creditor, and the confirmation of acceptance of the debtor or the acceptance of the transfer of receivables. And a step of changing the receivable / debt liquidation indicator according to the liquidity status of the receivable / debt.

[0012] With this configuration, the creditor selects cash payment and concludes a contract with the receivable / debt liquidation institution, and the obligor confirms the underwriting of the receivable / debt liquidation institution or sends the receivable to the receivable / debt liquidation institution. Based on the consent of the transfer of receivables, the liquidity status of receivables and debts is determined, and the receivables / debt liquidation indicators stored in association with the contents of the receivables are changed. The liquidity status of receivables and payables can be processed in real time and flexibly. Therefore, even if the creditor has not made a contract with the debtor or the credit / debt liquidation institution in advance, the creditor can receive cash payment of the receivable without any troublesome procedures if only the intention is indicated.

[0013] Further, the subject of the debt assurance and the transfer of the receivable are determined in consideration of the debtor's desired amount of the debt and the debt securitization agency's acceptance of the debt and the allowable amount of credit to the debtor by the debt and debt securitization agency. Therefore, the borrower will pay the debtor's debt
Short-term fund management and debt reduction.

[0014] In a preferred aspect of the present invention, the amount of receivables selected by the creditor to be paid for cash is tabulated for each obligor, and if the amount falls within the desired amount of the obligor for underwriting the debt, Transfer of receivables to receivables and / or securitization institutions that are subject to the underwriting of receivables and receivables by the receivables and receivables institution, and that exceed the desired amount of the obligor of the above receivables, provided that they are within the allowable amount of credit Subject to.

[0015] With this configuration, if the creditor selects cash payment, the receivables and payables are settled according to the debtor's desired amount of underwriting and the allowable amount of credit of the receivables and debt liquoring institutions. The process of underwriting or receivable transfer is performed. Both creditors and debtors do not have to perform cumbersome procedures on individual receivables.

In a preferred embodiment of the present invention, a predetermined period is set for a creditor for each loan with a fixed performance period of a fixed period to prompt the creditor to select and conclude a contract.

With this configuration, the creditor only has to select the cash payment of the receivables and conclude a contract for the receivables with a fixed performance period in a predetermined period, which is convenient.

In a preferred embodiment of the present invention, a change in the selection is permitted within a predetermined period of selection and the conclusion of the contract.

According to this configuration, the creditor can more flexibly select cash payment of the receivable and make a contract. That is, the selection of cash payment can be changed according to the state of cash on hand of the supplier who is the creditor.

In a preferred embodiment of the present invention, after a predetermined period of time from the selection of the receivable by the creditor and the conclusion of the contract, the debtor is prompted to confirm the acceptance of the debt and / or to approve the transfer of the debt.

With this configuration, the debtor can confirm the acceptance of the debt and / or approve the transfer of the debt based on the selection of the receivable by the creditor and the final result of the contract conclusion. Therefore, the procedure of confirmation or acceptance by the debtor is simplified.

In a preferred embodiment of the present invention,
Debt securitization indicators are provided for each receivable.

[0023] With this configuration, it is possible to cope with a debt / debt liquidation state that changes for each debt.

In a preferred embodiment of the present invention,
Debt securitization indicators are provided for each borrower for confirmation of underwriting or acceptance of the transfer of receivables.

With this configuration, it becomes easier for the debtor to collectively confirm the acceptance of the debt or approve the transfer of the debt.

A computer system for liquidating claims and debts according to the present invention comprises means for inputting transaction information between a creditor and a debtor who generate a claim, Storage means for storing in association with a bond / debt liquidation indicator indicating a liquidation state of the second, second storage means for storing conditions for liquidation of the bond / debt, and a creditor Creditor interface means for displaying the contents of the receivable and the terms of the cash payment together, and prompting the settlement of the settlement day payment or cash payment contract by the receivables / liquor liquidation institution; , The creditor
Displays the contents of the receivables for which settlement-of-day payments or cash-payment agreements have been concluded by the obligor securitization agency, and approves the transfer of the receivables from the creditors to the obligor / securitization agency and repayments to the obligor / securitization agency Based on the debtor interface means to prompt confirmation, the creditor concludes a cash payment agreement, and based on the debtor's acceptance of the transfer and confirmation of payment,
Receivable / debt liquidation processing means for determining the liquidity status of the debt; and
Receivables and debt liquidation sign changing means for changing the debt liquidation sign.

Further, the method for liquidating claims and debts according to the present invention includes a step of inputting transaction information between the debtor and the debtor who generate the claim, and
A step of storing in a first storage means in association with a bond / debt liquidation indicator indicating a liquidity state of a debt, a step of storing conditions for liquidation of the bond / debt in a second storage means, Prompting the creditor to enter into a settlement-of-day payment or cash payment agreement by the creditor / debt liquoring agency; and The contents of the receivables for which settlement-of-payment or cash-payment agreements have been concluded by the receivables / debt financing institutions are displayed, and the creditors approve the transfer of receivables to the receivables / debt financing institutions, and provide Based on the step of prompting confirmation of repayment, the conclusion of the cash payment agreement by the creditor, and the acceptance of the transfer of the loan by the debtor and confirmation of the repayment,
Determining the liquidity state of the debt, and changing the receivable / debt liquidation indicator according to the liquidity state of the receivable / debt.

Further, the program for liquidating the receivables and payables according to the present invention comprises a computer for liquidating the receivables and payables, and a computer for inputting transaction information between the creditor generating the receivables and the debtor. Means, the content of the claim,
First storage means for storing in association with a debt / debt liquidation indicator indicating the liquidity status of debt, second storage means for storing conditions for liquidation of debt / debt, On the other hand, the contents of the receivables and the conditions of cash payment are displayed together, and the creditor interface means for prompting the conclusion of the settlement day payment or cash payment contract by the receivables / liabilities securitization institution; The contents of the receivables for which the creditor has concluded a settlement-of-payment or cash-payment contract with the receivables / debt liability institution, accept the transfer of the receivables from the creditor to the receivables / debt liability institution, and show To determine the liquidity status of receivables and payables based on the debtor interface means to prompt confirmation of debt repayment to creditors, the conclusion of cash payment contracts by creditors, and the confirmation of repayment by debtors. Bonds And debt fluidizing processing means, and in response to the fluidized state of the assets and liabilities, the receivables and payables fluidized labeled receivables and payables fluidizing label changing means for changing a function as.

With this configuration, the creditor designates the payment method, concludes a contract with the credit / debt liability institution, and confirms the obligor's acceptance and repayment of the transfer of the credit from the creditor to the credit / debt liability institution. The liquidation status of receivables / debts is determined based on the above, and the receivables / debt liquidation indicators stored in association with the contents of the receivables are changed. Can be processed in real time and flexibly. further,
Creditors do not need to be aware of the content of individual receivables only by specifying the amount of the cash payment date. Therefore, even if the creditor has not made a contract with the debtor or the credit and debt liability institution in advance, if only the intention is indicated, the creditor can receive the cash payment of the receivable without the cumbersome procedure. be able to. In addition, the debtor is released from the burdensome payment procedure only by confirming the transfer of the loan from the creditor to the credit / debt securitization agency and confirming the repayment to the debt / debt securitization agency.

In a preferred embodiment of the present invention,
The debt liquidation indicator includes a portion for each creditor and a portion for each credit of the creditor.

With this configuration, it is possible to specify a payment method for each creditor and to flexibly process credits of the creditor according to the specified payment method.

In a preferred embodiment of the present invention,
The debt securitization indicator includes a transaction code corresponding to the transaction that generates the receivable and the debt and a receivable transfer code corresponding to the transfer of the receivable from the creditor to the receivable / debt securitization agency by cash payment,
The receivable / debt liquidation indicator changing means generates a plurality of receivables transfer codes from the same transaction code as child numbers as necessary.

According to this configuration, it is possible to perform a flexible process of generating bonds divided according to a designated amount of cash payment for a bond having a transaction code and not having a bond transfer code.

In a preferred embodiment of the present invention,
The debt liquidation indicator changing means attaches the loan assignment code as an object of cash payment in the order of the transaction code which is older.

With this configuration, it is guaranteed that the discount fee due to cash payment is minimized, which is advantageous for creditors.

[0036] In a preferred embodiment of the present invention, the receivables transfer code represents a cash payment date.

According to this configuration, the processing for specifying the receivable to be paid in cash is simplified.

[0038] In a preferred aspect of the present invention, the second storage means stores the credit amount to the debtor by the debt / debt liquoring agency and the amount of early payment by the debtor, and
Debt securitization processing means increases the amount of early payment so that the accumulated amount of due payment by the debtor does not exceed the credit amount.

[0039] With this configuration, the receivables / debt liquidation institution responds to the needs of the debtor for short-term fund management and debt reduction by early repayment, and specifies how the creditor specifies cash payment within the range of the receivables. However, cash payments can be made regardless of the credit amount to the debtor.

In a preferred embodiment of the present invention, a creditor is urged to enter into a contract for a predetermined period for each loan whose performance period is fixed.

With this configuration, the creditor may conveniently specify cash payment of the accounts receivable and execute a contract in a predetermined period for a loan with a fixed performance period.

In a preferred embodiment of the present invention, a change in the contract contents is permitted within a predetermined period of the contract conclusion.

With this configuration, the creditor can more flexibly designate cash payment of the receivables and conclude a contract. That is, the selection of cash payment can be changed according to the state of cash on hand of the supplier who is the creditor.

In a preferred embodiment of the present invention, the borrower is urged to approve the transfer of the loan and confirm the repayment after a lapse of a predetermined period of time from the conclusion of the contract by the creditor.

With this configuration, the obligor can confirm the acceptance of the transfer of the receivable and confirm the repayment based on the designation of the cash payment of the receivable by the creditor and the final result of the contract conclusion. Therefore, the procedure of confirmation or acceptance by the debtor is simplified.

In a preferred embodiment of the present invention,
Debt securitization indicators are also provided on a debtor-by-debtor basis for the approval of transfer and confirmation of repayment.

With this configuration, it is possible to easily perform the process of accepting the transfer of the loan and confirming the payment.

[0048]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A first embodiment of the present invention will be described. First, the configuration of the system of the present invention will be described. FIG. 1 is a diagram showing a schematic configuration of an embodiment of the present invention. The debt / debt mobilization system 1 of the present invention is connected to a debtor terminal 2 and a creditor terminal 3 via a public network 4. The debtor terminal 2 and the creditor terminal 3 may be a computer system having an input / output function connectable to the public network 4. The public network 4 includes, in addition to the telephone network,
Includes data communication networks including packet switching networks such as the DN and the Internet. The receivable / debt liquidation system 1 includes a first storage means 11, a receivable / debt liquidation indicator changing means 12, a second storage means 13, a receivable / debt liquidation processing means 14, a transaction information input means 15, a debtor Interface means 16
And creditor interface means 17. Receivables
The debt liquidation system 1 may be a computer system connectable to the public network 4. Further, the computer system may be a single processor or a plurality of processors.

The transaction information between the creditor and the debtor is transmitted to the credit / debt liquidation system 1 by the transaction information input means 15.
Is input to Transaction information is provided by the debtor. Transaction information input means 1 via debtor terminal 2 and public network 4
5 may be sent. The transaction information is stored in the debtor terminal 2
A transaction information input means 1 from a debtor's host computer (not shown) via a public network or a dedicated line;
5 may be sent. Further, the transaction information may be sent to the transaction information input unit 15 via a terminal (not shown) of the receivable / debt mobilization system 1.

The transaction information input means 15 stores the input transaction information in the first storage means 11 as the contents of the bond.

The creditor interface means 17 comprises:
The contents of the credit stored in the storage means 11 and the cash payment conditions stored in the second storage means 13 are edited for each debtor, and transmitted to the creditor terminal 3. In addition, the creditor terminal 3 receives the result of selection of the credit to be paid by the creditor at the creditor terminal 3 and notifies the creditor / debt liquidation processing means 14 of the result. The receivable / debt liquidation processing means 14 further
Notify the debt liquidation indicator changing means 12.

The receivable / debt liquidation processing means 14 refers to the first storage means 11 and the second storage means 13 to determine, for each obligor, the amount of the receivable selected by the obligee to be paid for cash. If the amount is within the range of the debtor's desired amount, it will be subject to the underwriting by the receivables / securitization institutions. If it is within the permissible amount, it will be subject to transfer of receivables to receivables / securitization institutions. The receivable / debt liquidation processing means 14 notifies the result of the above processing to the receivable / debt liquidation indicator changing means 12.

The creditor interface means 17 receives the result of the contract signed with the credit / debt liquidation institution after the creditor selects cash payment at the creditor terminal 3 and sends the result to the credit / debt liquidation processing means 14. Notice. The receivable / debt liquidation processing means 14 further notifies the receivable / debt liquidation indicator changing means 12.

The obligor interface means 16 stores, in accordance with the receivable / debt liquidation indicator, the debt stored in the first storage means 11 among the receivables of the receivables which the creditor has concluded with the receivable / debt liquidation institution. The contents of the receivable to be underwritten are edited for each debtor and transmitted to the debtor terminal 2. The obligor terminal 2 receives the result of the confirmation of the obligor's acceptance of the obligation by the obligor / debt securitization institution, and notifies the obligor / debt securitization processing unit 14 of the result. Receivable and debt liquidation processing means 14
Further notifies the receivable / debt liquidation indicator changing means 12.

The obligor interface means 16 stores, among the receivables which the creditor has concluded the contract with the obligor / debt mobilization institution, the obligor stores in the first storage means 11 in accordance with the obligor / debt liquidation indicator. The contents of the receivable to be transferred are edited for each debtor and transmitted to the debtor terminal 2. In addition, the debtor terminal 2 receives the result of the debtor's acceptance of the transfer of the loan to the credit / debt liquidation institution, and notifies the debt / debt liquidation processing means 14 of the result. Receivable and debt liquidation processing means 1
4 further notifies the receivable / debt liquidation indicator changing means 12.

The receivable / debt liquidation indicator changing means 12 receives the notice from the receivable / debt liquidation processing means 14 as described above, and obtains the receivable associated with the contents of the receivable stored in the first storage means 11.・ Change the debt liquidation indicator.

In the above description, a part of the notification may be configured so that the credit / debt liquidation indicator changing means 12 receives the notification directly from the debtor interface means 16 or the creditor interface means 17.

The structure of the debt / debt liquidation indicator described later is, for example, as shown in FIG. 2A. The contents of claims based on transaction information between the creditor and the debtor
The information is stored in the first storage means 11 in association with the above-mentioned debt / debt liquidation indicator indicating the debt liquidation state.

Next, a detailed function of the system of the present invention will be described based on a display screen example. Screen operations are based on mouse clicks from the terminal screen.

First, the screen for creditors will be described. FIG. 4 is a receivables receivables cash payment selection screen displayed on the creditor terminal 3 for creditors. Hereinafter, on the screen, the supplier who is the creditor is expressed as company A. The creditor can access the screen by inputting identification data or the like to the creditor terminal 3. On this screen, the contents of the receivables of the creditors are listed. In FIG. 4, the contents of four bonds are displayed, but the contents of all bonds can be displayed by scrolling the screen even if the number is larger. For each receivable, information including the discounted interest rate, discount days, discount amount, cash payment amount, and cash payment date is displayed. These pieces of information are stored in the first storage unit 11
Based on the data stored in the second storage means 13 and calculated by the creditor interface means 17 and edited. Based on the displayed information, the creditor selects the credit to be paid for in cash. Specifically, this is performed by clicking the mouse on the cash payment selection column of each individual loan. Further, by clicking the “selection result total display” with a mouse, a total amount, a total discount amount, a total payment amount, and the like of the receivable selected by cash payment are displayed on the screen. Also,
Each time a cash payment selection is made, a notification is made to the receivable / debt liquidation processing means 14 via the creditor interface means 17. If the mouse is clicked further in the state where the cash payment selection column is selected, the selection can be released. In this case also, the creditor interface means 17
Is notified to the receivables / debts liquidation processing means 14 via.

Here, the processing of the receivable / debt securitization means 14 will be described with reference to the flowchart of FIG. 3A. The receivable / debt liquidation processing means 14 totals the amounts of the receivables for which the cash payment has been selected for each obligor (step 1, S1). A comparison is made between the total amount and the desired amount of the debtor who has taken over the debt by the credit / debt liability institution stored in the second storage means 13 (step 2, S2). If the total amount is less than the desired amount,
The receivable is set as an object of debt underwriting, and the receivable / debt liquidation sign changing means 12 is notified. The receivable / debt liquidation indicator changing means 12 stores the receivable / credit information stored in the first storage means 11.
The debt liquidation indicator is set to the cash payment selection and debt acceptance state (step 3, S3). Further, if the total amount exceeds the debtor's desired amount stored in the second storage means 13, the amount of the non-credited loans among the debts selected for cash payment is calculated for each debtor. (Step 4, S
4). The total amount is compared with the allowable amount of credit for the debtor stored in the second storage means 13 (step 5, S
5). If the total amount is equal to or less than the allowable amount of credit, the receivable is subject to receivable transfer, and the receivable / debt liquidation indicator changing means 1
Notify 2. The receivable / debt liquidation sign changing means 12
The liquidation indicator of the relevant debt / debt stored in the first storage means 11 is set to the cash payment selection and debt transfer state (step 6, S6). If the total amount of the debts exceeding the debtor's desired amount exceeds the permissible amount of credit to the debtor, the debt / debt liquidation processing means 14 stores the credit / debt liquidation processing means 14 in the second storage means 13. It is determined whether there is a desired amount of the debt assurance debtor (step 7, S7). If there is a desired amount of the debtor, the receivable is again subject to debt acceptance and the debt / debt liquidation sign change means 12 is notified. The receivable / debt securitization indicator changing means 12 comprises a first storage means 1
The liquidation indicator of the receivable / debt stored in 1 is set to the cash payment selection and debt acceptance state (step 3, S3). However, there is no desired amount of debt assumption in the second storage means 13,
If the debtor does not wish to assume the debt, the receivable is not eligible for transfer and therefore not eligible for cash payment. Also, in the case of deselection, the same processing as described above is performed from step 1.

Here, an example of the structure of the debt / debt liquidation indicator of FIG. 2A will be described. When individual states such as cash payment, debt acceptance, and assignment of debts are established, the debt / debt liquidation sign changing means 12 may set a flag.
Indicators may be provided for each item for all items. Alternatively, a sign may be provided for each receivable for cash payment, underwriting of debts, and transfer of receivables, and a signing, confirmation and acceptance, which will be described later, may be provided for each obligor.

In the above description, the creditor selects cash payment for each individual credit. However, the creditor who can be the target of cash payment can collectively select cash payment. Can also. In this case, the creditor does not need to individually select cash payment.

In the receivables receivables cash payment selection screen of FIG. 4, after performing the cash payment selection in the above-described procedure and clicking “go to contract conclusion” with the mouse, the contract conclusion screen of FIG. 5 is displayed. You. The terms of payment for cash payment are displayed on the contract conclusion screen. When the mouse is clicked on “conclude”, a contract establishment screen shown in FIG. 6 is displayed. After the contract is concluded with the receivables / debt liquidation institution, the receivables receivables cash payment selection screen of FIG. 4 is changed to the receivables receivables cash payment selection result screen of FIG. At this time, the credits are
A notification is made to the debt liquidation processing means 14.

Here, the receivable / debt liquidation processing means 14
Indicates that the contract has been concluded,
Notify to The receivable / debt liquidation indicator changing means 12 changes the receivable / debt fluidization indicator stored in the first storage means 11 to a contract conclusion state.

In the above description, it is convenient to allow the creditor to make a cash payment selection for a predetermined period for each loan with a fixed performance period. Usually, payment from the debtor, the payer, is made to the supplier after a predetermined period after the delivery. For example, payments made by May 20 will be paid on September 20.
So, for example, between May 24 and May 31,
Creditors are allowed to choose cash payment. Furthermore, the receivables to be selected for cash payment are 4
For those that occurred before the month, for example, those that occurred by April 20, scheduled to be paid on August 20, and those that occurred by March 20, but scheduled to be paid on July 20, Good. During this period (May 24 to 31), the creditor makes a cash payment selection on the receivable receivable cash payment selection screen in FIG. The contract is concluded on the contract concluding screen.

During this period (May 24 to 31), a selection may be made once, and the contents of the contract may be changed, that is, added or canceled. In order to change the selection regarding the contents of the contract, please refer to FIG.
"Correction of cash payment selection" on the Accounts receivable cash payment selection result screen
Click the mouse. By this operation, the receivables receivables cash payment selection result screen of FIG. 7 is changed to the receivables receivables cash payment selection screen of FIG. 4, and the selection can be changed. At this time, a notification is made to the credit / debt liquidation processing means 14 via the creditor interface means 17. The receivable / debt liquidation processing means 14 and the receivable / debt liquidation indicator changing means 12 cancel the contract conclusion state of the receivable / debt liquidation indicator related to the selection change. Further, the processing of the flowchart shown in FIG. 3A is performed again, and the receivable / debt liquidation indicator is also changed in accordance with the change in the selection.

The cash payment is actually made for the object selected and contracted. 31 from May 24
After the period up to the day has elapsed, additions and cancellations of the selection cannot be performed. In addition, even if selected, those whose contract has not been concluded within the above period will not be eligible for cash payment. In other words, the receivables / liabilities liquidation indicator is in a state of underwriting or receivables transfer, and is in a state of contract conclusion.These states are selected, and receivables fixed after the contract conclusion period are eligible for cash payment. .

Next, the screen for the debtor will be described. FIG. 8 is a screen displaying a list of accounts payable for the debtor displayed on the debtor terminal 2. Hereinafter, the payer who is the debtor is displayed as company X on the screen. The debtor can access the screen by inputting identification data and the like to the debtor terminal 2. FIG. 9 is an account payable statement screen that displays a statement of accounts payable for each accountant, ie, a creditor. The contents of the accounts payable statement screen for the debtor in FIG. 9 correspond to the accounts receivable cash payment selection result screen for the creditors in FIG. Thus, the debtor can grasp the result of the creditor's cash payment selection on the screen.

FIG. 10 is a debt assurance target list screen for displaying a list of debt assurance targets among receivables concluded as cash payments. The receivables that are indicated for underwriting are those with the receivables and debts liquidation indicator in the state of underwriting and concluding a contract. On the debt assurance target list screen, the total amount of accounts payable, the total amount of debt assumed, the total discount, the total value of debt assumed, the date of contract conclusion, and the like are displayed for each customer, that is, the creditor. After confirming the list of debt underwriting objects, if "debt underwriting confirmation" is clicked with a mouse, a debt underwriting confirmation screen of FIG. 11 is displayed. Clicking "Confirm" on this screen with a mouse indicates that the debtor has indicated his / her intention to confirm acceptance of the debt / debt liability by the debtor / debt liquoring agency. The means 14 is notified. The debt undertaking confirmation screen in FIG. 11 changes to the screen after confirmation shown in FIG. 12 after confirmation by the debtor. "Print Contract" on this screen
Click the mouse to print the contents of the contract. After the debtor signs and seals the printed contract, the debtor
It may be arranged to send it separately to the debt securitization agency.

Here, the receivable / debt liquidation processing means 14
Notifies the credit / debt liquidation sign change means 12 of the confirmation of debt acceptance. Receivable / Debt Liquidity Indicator Change Means 12
Sets the liquidation indicator of the bond / debt stored in association with the content of the bond stored in the first storage means 11 in a debt underwriting confirmation state. Figure 2 showing the receivable and debt securitization indicators
In A, the status of the debt assurance confirmation is indicated as “confirmation / acceptance”.

FIG. 13 is a receivable assignment target list screen that displays a list of receivable assignment targets among receivables concluded as cash payments. The receivables that are shown as receivables are those with the receivables / liabilities liquidation indicator in the state of receivables transfer and contract conclusion. On the receivables transfer target list screen, the total amount of accounts payable, the amount payable in cash, the total amount of receivables transferred, the date of contract conclusion, etc. are displayed for each customer, ie, creditor.
After checking the list of receivables to be receivable, if "money receivable of receivables" is clicked with a mouse, a receivables transfer consent screen of FIG. 14 is displayed. Clicking "Accept" with a mouse on this screen indicates that the debtor has indicated his / her intention to accept the transfer of the receivables to the receivables / debt liability institution. Means 1
4 is notified. After the consent by the debtor is performed, the screen for consent to transfer the loan shown in FIG. 14 changes to the screen after consent shown in FIG. If you click on “Print Receivables Transfer Agreement” on this screen, the contents of the receivables transfer permit will be printed. After the debtor signs and seals the printed consent form for transfer of the receivables, the debtor may arrange to separately send it to the receivables / liabilities securitization institution.

Here, the receivable / debt liquidation processing means 14
Notifies the credit / debt liquidation indicator changing means 12 of the acceptance of the transfer of the loan. Receivable / Debt Liquidity Indicator Change Means 12
Sets the liquidation indicator of the bond / debt stored in association with the content of the bond stored in the first storage unit 11 to the state of consent to transfer of the bond. Figure 2 showing the receivable and debt securitization indicators
In A, the status of the consent to transfer the debt is indicated as “confirmation / consent”.

It is preferable that the confirmation of the underwriting of the debt by the debtor and the consent of the transfer of the receivable be performed at a predetermined time after the creditor's selection of the cash payment and the contract concluded. According to the above example, the selection and contract conclusion period (May 24 to 3
It is preferably performed after 1 day) and before the cash payment date (June 5), for example, on June 1.

On the other hand, it is preferable that the receivable / debt liquidation institution can observe the contents of the receivable and the status of the receivable / debt liquidation indicator on the screen at any time. further,
Receivables whose debt / liquor securitization indicators are in the status of debt underwriting confirmation or acceptance of receivable transfer are eligible for cash payment by the receivable / liability securitization institutions.

Next, a second embodiment of the present invention will be described. 1. System configuration and transaction information input means 1 of FIG.
Function 5 is the same as in the first embodiment. The first storage unit 11 stores the transaction information input by the transaction information input unit 15 as the contents of the bond. The second storage means 13 stores the conditions of cash payment, such as discount conditions and payment dates, the credit amount of the debtor by the debtor / debt liquidation institution, and the liquidity of the debtor / debt, such as the amount of the cash payment designated by the creditor. The conditions for are stored.

The creditor interface means 17 comprises:
The contents of the credit stored in the storage means 11 and the cash payment conditions stored in the second storage means 13 are edited for each debtor, and transmitted to the creditor terminal 3. In addition, the creditor designates the payment method (concludes a contract) at the creditor terminal 3 and notifies the creditor / debt liquidation processing means 14 of the result.
The receivable / debt liquidation processing means 14 further notifies the receivable / debt liquidation indicator changing means 12. The functions of the receivable / debt liquidation processing means 14 and the receivable / debt liquidation indicator changing means 12 will be specifically described later. The creditor interface means 17 transmits a predetermined program to the creditor terminal 3 and displays the program on a browser provided in the creditor terminal 3, thereby providing information to the creditor and inputting instructions from the creditor. It may be configured to provide an interface. Details of the screen for the interface with the creditor will be specifically described later.

The obligor interface means 16 replies the contents of the receivable, which the creditor has concluded with the receivables / debt liquidation institution, in cash with the first storage means 11 in accordance with the receivable / debt liquidation indicator. Is edited for each borrower and transmitted to the debtor terminal 2. At the debtor terminal 2, the debtor accepts the transfer of the loan from the creditor to the credit / debt securitization agency, receives the result of confirming the repayment to the debt / debt securitization agency, and receives the result of the loan / debt securitization. Notify the processing means 14. The receivable / debt liquidation processing means 14 further notifies the receivable / debt liquidation indicator changing means 12. The debtor interface means 16 transmits a predetermined program to the debtor terminal 2 and displays the program on a browser provided in the debtor terminal 2 to provide information to the debtor and input instructions from the debtor. It may be configured to provide an interface. Details of the screen for the interface with the debtor will be specifically described later.

The bond / debt liquidation indicator changing means 12 receives the notice from the bond / debt liquidation processing means 14 as described above, and outputs the credit associated with the contents of the credit stored in the first storage means 11.・ Change the debt liquidation indicator.

In the above description, a part of the notification may be configured so that the credit / debt liquidation indicator changing means 12 receives the notification directly from the debtor interface means 16 or the creditor interface means 17.

The structure of the loan / debt liquidation indicator described later is, for example, as shown in FIG. 2B. The contents of claims based on transaction information between the creditor and the debtor
The information is stored in the first storage means 11 in association with the above-mentioned debt / debt liquidation indicator indicating the debt liquidation state.

Next, detailed functions of the second embodiment of the system of the present invention will be described based on an example of a display screen. Screen operations are based on mouse clicks from the terminal screen.

First, the screen for creditors will be described. FIG. 16 is an initial screen of the lump-sum and cash payment system for creditors displayed on the creditor terminal 3. Creditors:
The screen can be accessed by inputting identification data and the like to the creditor terminal 3. This screen is for the creditor to explain the lump sum payment of the debtor's debt to the creditor (accounts receivable of the creditor) by the receivable / debt mobilization institution. Clicking "Start Contract Procedure" displays the basic contract conclusion screen shown in FIG. When "conclude" is clicked, a lump sum and cash payment basic contract is concluded and the payment method selection screen of FIG. 18 is displayed. Next, the creditor specifies on this screen the method of payment for the accounts receivable by the receivables / liabilities securitization agency. The payment methods are collective designated cash payment, in which all accounts receivable are paid in cash, amount designated cash payment, in which the amount of cash payment is designated at a certain time, and settlement daily payment, in which all accounts receivable are settled in settlement. Can be specified. The designation can be made by mouse-clicking “lump-designated cash payment”, “amount-designated cash payment”, and “settlement day payment”, respectively. If the designation is not made by a certain time, the payment day payment screen of FIG. 19 is displayed,
The payment method is payment on the settlement day. When "batch designated cash payment" on the payment method selection screen in FIG. 18 is clicked with the mouse, FIG.
Is displayed. A mouse click on “conclude” on this screen concludes the collective designated cash payment contract, and the collective designated cash payment contract screen of FIG. 21 is displayed. Clicking "money designated cash payment" on the payment method selection screen of FIG. 18 with a mouse displays the money designated cash payment contract screen of FIG. Enter the desired amount to be paid on the cash payment date in the "Specify Amount" field on this screen, and click "Conclude" with the mouse.
The specified amount cash payment contract is concluded, and the specified amount cash payment contract screen of FIG. 23 is displayed. Creditors sign the above agreement,
This can be done by a certain time before the cash payment date. Further, the creditor may be allowed to change the type of contract and the designated amount up to the above-mentioned certain period.

In the above description, the creditor interface means 17 notifies the credit / debt liquidation processing means 14 of the contents of the designation (contract conclusion, amount) by the creditor.
The receivable / debt liquidation processing means 14 converts the designated amount to the second
To the storage means 13 for storage. In addition, the contents of the contract are sent to the receivable / debt liquidation sign change means 12, and
Change the debt securitization indicator.

Further, the creditor can list the contents of the receivables on the receivable balance confirmation screen shown in FIG. Accounts receivable is identified by a code. The code includes a creditor code for identifying a creditor, a transaction code for identifying a transaction, and a credit transfer code for identifying the transfer of the credit. In FIG. 24, the creditor code is indicated by 100. The transaction code is indicated by its sub number, and the loan assignment code is further indicated by its sub number. A transaction code is generated for each receivable date. In the example of FIG. 24, a bond 100-0000001 having a transaction code is generated on September 30, 2000, and a bond 100-0000002 having a transaction code is generated on October 31, 2000. We will see later how the receivables transfer code is generated.

Here, an example of the structure of the debt / debt liquidation indicator of FIG. 2B will be described. The debt and debt securitization indicator has two parts. The first part is for each creditor, whether or not a contract has been concluded for lump sum designated cash payment, designated cash payment, settlement date payment, lump sum designated cash payment, debt transfer resulting from the designated cash payment. Indicates whether or not consent has been obtained and confirmation has been made. These are changed by the receivable / debt liquidation indicator changing means 12. The portion indicating whether the obligor has approved the transfer of the receivables and confirms the repayment may be provided not for each lender but for each obligor. The second part is for each creditor's credit and consists of a creditor code, a transaction code, and a loan assignment code. A transaction for generating a bond is performed, and information on the transaction for generating a bond is input by the transaction information input unit 15. First
The storage means 11 stores the transaction information input by the transaction information input means 15 as the content of the bond in association with the creditor code and the transaction code. The transaction codes are generated for each creditor in the order in which the transaction occurred. Next, when a cash payment contract is concluded for these receivables, the receivable / debt liquidation sign changing means 12 assigns a receivable transfer code. That is, the receivable for which the cash payment contract is concluded has the receivable transfer code. Since the cash payment may be made by designating the amount, the loan assignment code is attached as a subordinate of the creditor code and the transaction code. The receivables transfer code can also be determined to represent a cash payment date. With this determination, it is easy to extract the receivable to be paid on the cash payment date in the processing described later.

Here, the processing of the receivable / debt mobilization processing means 14 will be described with reference to the flowchart of FIG. 3B. The receivable / debt liquidation processing means 14 performs processing each time a cash payment contract is concluded and each time a designated amount of designated cash payment is designated. The receivable / debt liquidation processing means 14 notifies the contents of the contract to the receivable / debt liquidation indicator changing means 12. The receivable / debt liquidation indicator changing means 12 receives the notice from the receivable / debt liquidation processing means 14 as described above, and outputs the receivable / debt liquidity associated with the content of the receivable stored in the first storage means 11. "Yes" signing any of the following contracts for lump sum designated cash payment, designated cash payment, and settlement date payment for the first part of the sign
And When the creditor has concluded a lump sum designated cash payment contract or an amount designated cash payment contract (step 101, S101)
First, the receivable and debt liquidation processing means 14 extracts the determined receivable from the first storage means 11 (step 10).
2, S102). To extract the confirmed receivables, refer to the second part of the receivables / debt liquidation indicator, and look at the sales that have the creditor code and transaction code of the creditor and do not have the loan assignment code. Covers receivables. When the creditor has concluded the lump sum designated cash payment contract (step 103, S103), the creditor / debt liquidation processing means 14 has the creditor code and the transaction code of the creditor, and All receivables having no transfer code are subject to cash payment, and the receivable / debt liquidation indicator changing means 12 attaches a receivable transfer code to these receivables (step 104, S
104). If the creditor has concluded the designated amount cash payment contract (step 10)
3. In S103), the designated amount of the cash payment date is read from the second storage means 13, and within the range of the amount,
With reference to the extracted transaction code of the receivables, the receivable / debt liquidation indicator changing means 12 assigns a receivable transfer code to the receivables in order of cash payment in the oldest order (step 1).
05, S105). Here, if the amount of receivables for each transaction code is larger than the specified amount, the receivable / debt liquidation processing means 14 divides the receivable for each transaction code and changes the receivable / debt liquidation indicator The means for assigning the credit transfer code by the means 12 and only the divided ones are subject to cash payment (step 105, S105). The first storage unit 11 newly stores the divided bonds having the bond assignment code which is the child number of the transaction code. In the example of FIG. 24, the loan 100-0 generated on September 30, 2000
Code transfer code 0 against 000001 on October 15
A receivable having a receivable of 1 and a receivable having a receivable code 02 on November 15 are generated. In this manner, the receivable is assigned to the specified amount of the cash payment date in the order of the transaction code in the oldest order. For this reason, it is guaranteed that the discount fee by cash payment is minimized. Therefore, the creditor does not need to be aware of the content of each individual loan only by specifying the amount of the cash payment date. Next, the receivables / debts liquidation processing means 14
Obtain the total amount of due date payment after cash payment (step 10
6, S106). Due repayment means that the debtor repayes the cash payment to the receivables and debt securitization agency on the due date. Therefore, the accumulated due date is subject to credit by the receivables / securitization institutions to the debtor. The cumulative amount of the due date after the cash payment is obtained by adding the amount of the cash payment on the cash payment date to the cumulative amount of the due date before the cash payment, and further subtracting the amount of the early payment on the cash payment date.
Early repayment means that the debtor repays the debts paid by the credit and debt liquidation agency to the creditor before the settlement date. Next, the receivable / debt liquidation processing means 14 determines that the accumulated amount of the due date after the cash payment exceeds the credit amount to the obligor by the receivable / debt liquidation institution stored in the second storage means 13. Is determined (step 107, S
107). If so, the receivable / debt liquidation processing means 14 increases the early payment amount stored in the second storage means 13 by the excess amount (step 10).
8, S108). With this structure, receivables and liquidity institutions will respond to the need for short-term fund management and debt reduction through early repayment by the debtor, and will allow the creditor to specify cash payment within the range of accounts receivable, Cash payments can be made regardless of the credit amount to the debtor.

Further, FIGS. 25 to 28 are screens for the creditor to specify the payee by the credit / debt liquidation institution. The screen shown in FIG. 25 allows the creditor to specify and register a payee other than the creditor. 26 to 28
Screen, the creditor selects the registered payee and inputs the amount of the cash payment in the case of the collective designated cash payment contract, the designated amount cash payment contract, and the settlement date payment, respectively. The payee and the amount are stored in the second storage unit 13 by the receivable / debt liquidation processing unit 14. If the sum paid to the payee does not reach the sum of the cash payments, the difference is paid to the creditor.

Next, the screen for the debtor will be described. The obligor and the receivable / debt liquidation institution determine in advance the presence or absence and amount of early repayment at predetermined intervals by contract. The early payment amount may be determined for each cash payment date. Based on the contract, the receivables / liabilities securitization institution may input the amount of early repayment from a terminal (not shown) and store it in the second storage means 13. FIG. 29 is a screen showing a list of creditor payment methods in the case of no early payment. The screen in FIG. 29 targets accounts payable to all creditors of the debtor. According to the screen shown in FIG. 29, regarding the contents of the lump-sum payment contract on January 15, 2001, initially, 150 of the creditors designate the settlement payment, 500 designate lump sum designated cash payment, and 50 designate the designated amount cash payment. Was. Of this amount, the total amount of receivables from creditors who designated cash payments was 500 million yen. However, the amount that the creditor who designated the designated cash payment actually designated the cash payment was 100 million yen. Therefore, the actual amount paid in cash is 2
The amount paid on the settlement day was 600 million yen, and the actual amount paid was 1.4 billion yen. Furthermore, the base date for payment is from September 15 to December 15
Of the receivables up to the date, there were a total of 400 million yen in which the payment was changed from settlement payment to cash payment. Therefore, in 2001
The cash payment on March 15 was finally 3 billion yen. The total of 14.5 billion yen, including this 3 billion yen, of unpaid receivables to be paid by the obligor, which was paid in cash by the receivables / debt liquidation institution, was a total of 14.5 billion yen. The debtor's credit is 20 billion yen. Further, the debtor can display the details of the debt by inputting the customer code or the account name. FIG. 30 is a screen showing a list of payment methods of the debtor when both early payment and due date payment are used. As in the screen of FIG. 29, the cash payment amount on January 15, 2001 was finally 3 billion yen. In this case, the debtor and the credit and debt mobilization institution
The company has signed a contract to reimburse ¥ 2.5 billion early. As described above, this amount is increased so that the accumulated amount of due payment after cash payment does not exceed the credit amount. As a result, the increase in receivables subject to the repayment of the obligor of the receivables / securitization facility is 500 million yen, which is the difference from 3 billion yen, and the total amount of this increase is 1.2 billion yen. The credit amount of the debtor by the debt securitization agency is 2 billion yen. The debtor confirms the contents of the debt with reference to the screen of FIG. 29 or FIG. 30, and then accepts the mouse by clicking “accept” on the debt assignment acceptance screen of FIG. 31A. FIG. 31B
This is a separate table showing the transferred receivables, debt repayment conditions, etc. As a result, the obligor approves and confirms the details of the transfer of the receivables from the obligee to the receivables / debt securitization institution and, in the case of early repayment, the details of the early payment from the obligor to the receivables / debt securitization institution . Clicking "Print" on this screen with a mouse prints the contents of the loan transfer agreement and debt repayment confirmation. It may be arranged that the responsible person of the debtor signs and seals the printed consent to transfer and confirm the debt reimbursement and then sends it separately to the receivables and debt mobilization institution.

In the above description, the contents of the designation (acceptance / confirmation) by the debtor are notified by the debtor interface means 16 to the credit / debt liquidation processing means. The receivable / debt liquidation processing means 14 notifies the receivable / debt liquidation sign changing means 12 and the receivable / debt liquidation sign changing means 1
2 changes the contents of the receivables and debts liquidation indicator. Specifically, “accept / confirm” is set to “present”.

It is preferable that the above-mentioned consent of the transfer of the receivables by the obligor is made at a predetermined time after the elapse of the period of execution of the cash payment contract of the obligee. According to the above example, 2001
It is preferably performed on January 11, 2011.

On the other hand, it is preferable that the receivable / debt liquidation institution can observe the contents of the receivable and the state of the receivable / debt liquidation indicator on the screen at any time. further,
Receivables whose debt / liquor liquidation indicators indicate “consent to transfer of receivables” and “confirmation of debt repayment” are eligible for cash payment by the receivables / liability liquidation institution.

Although the first embodiment and the second embodiment of the present invention have been described separately, the respective parts can be further combined in order to achieve the above technical problem of the present invention.

[0094]

As described above, according to the present invention,
It is possible to flexibly process the liquidity of debts and debts according to the intentions of the creditors and debtors in real time and flexibly.
Therefore, even if the supplier, the creditor, does not have a contract with the debtor, the payer or the credit / debt securitization agency in advance, if only the statement of intention is made, the receivables can be You can receive cash payment.
In this way, open systems and methods are provided for creditor suppliers. Furthermore, creditors need not be conscious of the contents of individual receivables only by specifying the amount of the cash payment date. In addition, the obligor is the
All you have to do is accept the transfer of the receivables to the debt securitization institution and confirm the repayment to the receivables and debt securitization institution. Further, the system and method of the present invention can meet the short-term funding and debt reduction needs of debtor payers.

According to the present invention, a supplier as a creditor and a payer as a debtor can make a profit from liquidation of a debt / debt without any troublesome procedures only by making a very simple statement of intention. Can be received.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of an embodiment of the present invention.

FIG. 2A is a diagram showing an example of the configuration of a bond / debt liquidation indicator.

FIG. 2B is a diagram showing an example of the configuration of a bond / debt liquidation indicator.

FIG. 3A is a flowchart showing an example of processing of a receivables / debts liquidation processing means.

FIG. 3B is a flowchart showing an example of processing of a receivables / debts liquidation processing means.

FIG. 4 is a receivables receivables cash payment selection screen displayed on the creditor terminal.

FIG. 5 is a contract conclusion screen displayed on the creditor terminal.

FIG. 6 is a contract establishment screen displayed on the creditor terminal.

FIG. 7 is a receivables receivables cash payment selection result screen displayed on the creditor terminal.

FIG. 8 is a target accounts payable list screen displayed on the debtor terminal.

FIG. 9 is an accounts payable statement screen displayed on the debtor terminal.

FIG. 10 is a debt assurance target list screen displayed on the debtor terminal.

FIG. 11 is a debt acceptance confirmation screen displayed on the debtor terminal.

FIG. 12 is a debt acceptance confirmation screen (after confirmation) displayed on the debtor terminal.

FIG. 13 is a debt assignment target list screen displayed on the debtor terminal.

FIG. 14 is a loan assignment approval screen displayed on the debtor terminal.

FIG. 15 shows a loan assignment acceptance screen (after acceptance) displayed on the debtor terminal.

FIG. 16 is an initial screen of a lump-sum and cash payment system for creditors displayed on the creditor terminal.

FIG. 17 is a basic contract conclusion screen displayed on the creditor terminal.

FIG. 18 is a payment method selection screen (after conclusion) displayed on the creditor terminal.

FIG. 19 is a payment day payment screen displayed on the creditor terminal.

FIG. 20 is a collective designated cash payment contract screen displayed on the creditor terminal.

FIG. 21 is a lump sum designated cash payment contract screen (after conclusion) displayed on the creditor terminal.

FIG. 22 is an amount-designated cash payment contract screen displayed on the creditor terminal.

FIG. 23 is an amount-designated cash payment contract screen (after conclusion) displayed on the creditor terminal.

FIG. 24 is a receivable balance confirmation screen for creditors displayed on the creditor terminal.

FIG. 25 is a designated payee registration screen displayed on the creditor terminal.

FIG. 26 is a collective designated cash payment contract screen for designated payee registration displayed on the creditor terminal.

FIG. 27 is an amount-designated cash payment contract screen in the case of designated payee registration displayed on the creditor terminal.

FIG. 28 is a settlement day payment screen displayed on the creditor terminal in the case of designated payee registration.

FIG. 29 is a payment method list screen displayed on the debtor terminal when there is no early payment.

FIG. 30 is a payment method list screen displayed on the debtor terminal in the case of both early payment and due payment.

FIG. 31A is a credit transfer approval screen displayed on the debtor terminal.

FIG. 31B is a loan assignment approval screen (separate table) displayed on the debtor terminal.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Debt / debt liquidation system 2 Debt terminal 3 Creditor terminal 4 Public network 11 First storage means 12 Debt / debt liquidation sign change means 13 Second storage means 14 Debt / debt liquidation processing means 15 Transaction information Input means 16 debtor interface means 17 creditor interface means

Claims (44)

[Claims] Claims 1. A computer system for liquidating receivables / debts, comprising: means for inputting transaction information between a creditor and a debtor who generate the receivables; First storage means for storing in association with a debt / debt liquidation indicator indicating the liquidity status of debt; the terms of cash payment; A second storage means for storing, for each obligor, the allowable amount of credit to the obligor by the debt securitization agency; and, for the obligee, the contents of the receivable and the conditions for cash payment for each obligor. A creditor interface means to display and prompt the selection of receivables to be paid for cash and the conclusion of a contract; and, to the debtor, Bonds covered Or debtor interface means to indicate the content of the claim or both subject to the transfer and facilitate confirmation of underwriting and / or acceptance of the transfer of the claim; selection by the creditor and conclusion of the contract; and debtor Receivables / debt liquidation processing means for determining the liquidity status of receivables / debts based on the confirmation of underwriting of debts or acceptance of receivables transfer; And a means for changing a debt / liquor liquidation sign that changes the sign. 2. The receivable / debt liquidation processing means tabulates the amount of receivables selected by the creditor to be paid in cash for each debtor, and within a range of the debtor's desired amount of the debt underwriting. If it is, it will be subject to the underwriting by the receivables and securitization institutions.If the amount exceeds the desired amount of the obligor, the receivables will be transferred to the receivables and securitization institutions if they are within the allowable amount of credit. 2. The system according to claim 1, which is subject to the transfer of claims. 3. The system according to claim 1, wherein a predetermined period is set to the creditor to prompt the creditor to select and enter into a contract for each loan whose performance period is fixed. 4. The system according to claim 3, wherein a change in the selection is permitted within a predetermined period of selection and conclusion of the contract. 5. The system according to claim 3, wherein after a predetermined period of selection and conclusion of the contract has elapsed, the debtor is prompted to confirm acceptance of the debt and / or to approve the transfer of the receivable. 6. The system according to claim 1, wherein a bond / liquor liquidation indicator is provided for each bond. 7. The system according to claim 1, wherein the receivable / debt liquidation indicator is provided for each obligor for confirming the underwriting of the debt or accepting the transfer of the receivable. 8. A method for liquidating receivables / debts, comprising: inputting transaction information between a creditor and a debtor who generate receivables; Storing in a first storage means in association with a debt / debt liquidation indicator indicating the status of the debt, the conditions for cash payment, the desired amount of the debtor for underwriting debt by the debt / debt securitization agency, and the debt / debt liquidation Storing in the second storage means the permissible amount of credit to the obligor by the institution, and displaying, to the obligor, the contents of the receivable and the conditions for cash payment for each obligor. Prompting the user to select the receivables to be paid for cash and conclude a contract; and to the debtor, out of the receivables for which the creditor has concluded the contract for cash payment, the receivables or receivables to which the debtor assumed Receivables subject to And / or displaying both contents, prompting you to confirm the assumption of debt and / or approve the transfer of receivables, and based on the selection and conclusion of the contract by the creditor, and the confirmation of acceptance of the debt or acceptance of the transfer of receivables by the debtor Determining the liquidity status of the receivable / debt, and changing the receivable / debt liquidation indicator according to the liquidity status of the receivable / debt. 9. The step of deciding the liquidity state of the receivables and payables, the amounts of the receivables selected by the creditor to be paid in cash are totalized for each of the obligors, and If it falls within the range, it will be subject to debt and debt underwriting by debt and liquidity institutions. 9. The method according to claim 8, which is subject to transfer of a claim to a chemical institution. 10. The method according to claim 8 or 9, wherein, for each loan whose performance period is fixed, a predetermined period is set to the creditor to prompt the creditor to select and execute a contract. 11. The method of claim 10, wherein the change in the selection is permitted within a predetermined period of selection and contract conclusion. 12. The method according to claim 10 or 11, wherein after a predetermined period of selection and conclusion of the contract, the obligor is prompted to confirm acceptance of the debt and / or to approve the transfer of the receivable. 13. The method according to any one of claims 8 to 12, wherein the debt / debt liquidation indicator is provided for each debt. 14. The method according to any one of claims 8 to 12, wherein the receivable-debt liquidation indicator is provided for each obligor for confirmation of underwriting or acceptance of the transfer of receivables. 15. A computer system for liquidating receivables and payables, comprising: means for inputting transaction information between the creditor and the obligor who generate the receivable; First storage means for storing in association with a debt / debt liquidation indicator indicating the liquidity status of debt, and second storage means for storing conditions for liquidation of debt / debt
A creditor interface means for displaying to the creditor the contents of the credit and the conditions for cash payment to the creditor, and prompting the creditor / liquor securitization institution to conclude a settlement date payment or cash payment contract. To the debtor, showing the contents of the loan for which the creditor has concluded a settlement-of-day payment or cash payment contract with the creditor / debt liquidation institution, and transferred the receivable from the creditor to the creditor / debt liquidation institution. Based on the debtor interface means to prompt the debtor and the liquidation agency to confirm the debt repayment, the creditor's conclusion of the cash payment agreement, and the debtor's acceptance of the transfer of the loan and confirmation of the repayment. Receivable / debt liquidation processing means for determining the liquidity status of receivables / debts; and receivable / debt liquidity indicator changing means for changing the receivable / debt liquidation indicators according to the receivable / debt liquidity status. Including System. 16. The system of claim 15, wherein the debt and debt liquidation indicators include a portion for each creditor and a portion for each credit of the creditor. 17. The receivables / debts liquidation indicator includes a transaction code corresponding to a transaction that generates the receivables / debts and a receivables transfer code corresponding to a receivable transfer from a creditor to a receivables / debt financing organization by cash payment. 17. The system according to claim 15, wherein the receivable / debt liquidation indicator changing means generates a plurality of receivable assignment codes from the same transaction code as child numbers as necessary. 18. The system according to claim 17, wherein the receivable / debt liquidation indicator changing means attaches the receivable transfer code as an object of cash payment in the order of the transaction code. 19. The system according to claim 17, wherein the receivables transfer code represents a cash payment date. 20. A second storage means for storing a credit amount to the debtor by the creditor / debt liquoring agency and an amount of early repayment by the debtor, and a loan / debt securitization processing means for storing the due date by the debtor. 20. The system according to any one of claims 15 to 19, wherein the amount of early repayment is increased so that the accumulated amount does not exceed the credit amount. 21. The system according to any one of claims 15 to 20, wherein a predetermined period is set to the creditor to conclude a contract for each loan whose performance period is a fixed period. 22. The system according to claim 21, wherein a change in the contract contents is permitted within a predetermined period of the contract conclusion. 23. The system according to claim 21, wherein after a predetermined period of execution of the contract elapses, the obligor is urged to approve the transfer of the receivable and confirm the repayment of the debt. 24. The system according to any one of claims 15 to 23, wherein a debt / debt liquidation indicator is further provided for each debtor with respect to acceptance of assignment of debt and confirmation of debt repayment. 25. A method for liquidating receivables and payables, the method comprising: inputting transaction information between the creditor and the debtor who generate the receivables; Storing in a first storage means in association with a bond / debt liquidation indicator indicating a state of liquefaction, storing a condition for liquidation of the bond / debt in a second storage means, The contents of the receivable and the terms of the cash payment, and prompting the receivable / liquidity institution to conclude a daily payment or cash payment contract. The contents of the receivables for which settlement liquidation or cash payment agreements have been concluded by the liquidation institution are displayed, and the creditor accepts the transfer of the receivables to the receivables / debts liquidation institution and confirms the repayment to the receivables / debts liquidation institution Steps to Encourage Cash by Creditors Payment agreement, the debtor's acceptance of the transfer of the receivables, and
A method comprising: determining the liquidity status of a debt; and changing the receivable / debt liquidation indicator according to the liquidity status of the receivable / debt. 26. The method of claim 25, wherein the debt and debt liquidity indicators include a portion per creditor and a portion per creditor's debt. 27. The receivable / debt liquidation indicator includes a transaction code corresponding to a transaction that generates the receivable / debt, and a receivable transfer code corresponding to a receivable transfer from a creditor to a receivable / debt financing agency by cash payment. 27. The method according to claim 25 or 26, wherein the receivable / debt liquidation indicator changing means generates a plurality of receivable assignment codes from the same transaction code as child numbers as necessary. 28. The method according to claim 27, wherein the receivable / debt liquidation indicator changing means assigns the receivable transfer code as an object of cash payment in the order of the transaction code being older. 29. The method of claim 27 or claim 28, wherein the receivables transfer code represents a cash payment date. 30. The second storage means stores the credit amount to the debtor by the creditor / debt liability institution and the amount of early repayment by the debtor, and the loan / debt liquidation processing means stores the due date of the debtor by the debtor. 30. A method according to any one of claims 25 to 29, wherein the amount of early repayment is increased such that the cumulative amount does not exceed the credit amount. 31. The method according to any one of claims 25 to 30, wherein, for each loan whose performance period is a fixed period, the creditor is urged to enter into a contract for a predetermined period. 32. The method according to claim 31, wherein a change in the contract content is permitted within a predetermined period of the contract conclusion. 33. The method according to claim 31 or 32, which prompts the debtor to approve the transfer of the receivables and confirm the repayment of the debt after a predetermined period of the contract has been concluded. 34. The method according to any one of claims 25 to 33, wherein the receivable-debt liquidation indicator is further provided for each obligor with respect to the approval of the transfer of the receivables and the confirmation of the debt repayment. 35. A computer for liquidating claims and debts, means for inputting transaction information between a creditor and a debtor who generate a claim, and contents of the claims as liquidity of claims and debts. First storage means for storing in association with a bond / debt liquidation indicator indicating a state, second storage means for storing conditions for liquidation of a bond / debt
A creditor interface means for displaying to the creditor both the contents of the credit and the terms of the cash payment, and encouraging the credit / debt securitization institution to conclude a daily payment or cash payment contract; For the debtor, indicate the contents of the loan for which the creditor has concluded the settlement-of-day payment or cash payment contract with the creditor / debt liability institution and approve the transfer of the loan from the creditor to the loan / debt liability institution. Based on the debtor interface means to encourage the debtor / liquor liquidation agency to confirm the debt repayment, the creditor's conclusion of the cash payment agreement, and the debtor's acceptance of the transfer of the loan and confirmation of the repayment. Receivables / liabilities liquidation processing means for determining the liquidity status of the receivables / debts, and
A program for liquidating receivables and debts to function as a means for changing debt and liquidity indicators, which changes the debt liquidity indicator. 36. The program according to claim 35, wherein the debt / debt liquidation indicator includes a portion for each creditor and a portion for each credit of the creditor. 37. The receivables / debt liquidation indicator includes a transaction code corresponding to a transaction that generates the receivables / debts and a receivables transfer code corresponding to a receivable transfer from a creditor to a receivables / liabilities securitization organization by cash payment. 37. The program according to claim 35, wherein the receivable / debt liquidation indicator changing means generates a plurality of receivables transfer codes as child numbers from the same transaction code as necessary. 38. The program according to claim 37, wherein the receivable and debt securitization indicator changing means attaches the receivable transfer code as a target of cash payment in the order of the oldest transaction code. 39. The program according to claim 37, wherein the receivable assignment code represents a cash payment date. 40. The second storage means stores the credit amount to the debtor by the creditor / debt liability institution and the amount of early repayment by the debtor, and the loan / debt securitization processing means stores the due date of the debtor by the debtor. The program according to any one of claims 35 to 39, wherein an amount of early payment is increased so that a cumulative amount does not exceed the credit amount. 41. The program according to claim 35, wherein the program urges the creditor to execute a contract for a predetermined period for each loan whose execution period is a fixed period. 42. The program according to claim 41, wherein a change in the contents of the contract is permitted within a predetermined period of the contract conclusion. 43. The program according to claim 41 or 42, which prompts the debtor to approve the transfer of the debt and confirm the debt repayment after a predetermined period of the contract conclusion. 44. The program according to any one of claims 35 to 43, wherein the debt / debt liquidation indicator is further provided for each debtor with respect to acceptance of the assignment of debts and confirmation of debt repayment.