JP2002157533A - Method for managing accounts receivable and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To supplement the mutual credit of merchandise delivery and payment in a commercial transaction between companies. SOLUTION: A buyer (debtor) 10 and a supplier (creditor) 20 use communication terminals 11 and 21, the buyer (debtor) 10 orders merchandise and the supplier (creditor) 20 receives the order through an electronic commerce transaction market 40 on the Internet. When the server 31 of a loan and trust company 30 side receives the trust of accounts receivable from the supplier (creditor) 20 side and also confirms that the buyer (debtor) 10 side makes a payment, the server 31 notifies the supplier (creditor) 20 of payment confirmation. When the supplier (creditor) 20 receives the notification of the payment confirmation from the loan and trust company 30 side, the server 31 makes it possible to transmit the merchandise to the buyer (debtor) 10 side.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a receivables receivable management method and a recording medium for complementing mutual trust between delivery and payment of goods by commercial transactions between companies.

[0002]

2. Description of the Related Art Conventionally, the delivery of goods between companies consisting of buyers (borrowers) and suppliers (creditors) is negotiated by commercial transactions. Payments for the delivery of goods are also negotiated individually by commercial transaction.

[0003]

However, mutual arrangements between delivery and payment of goods by commercial transactions between companies have been made, and payment of goods has not been made despite the delivery of goods. Or, conversely, there is a problem that goods are not delivered despite payment of the price.

In such a case, for example, a third party different from the company that conducted the business transaction confirms the payment of the price for the product from the buyer (obligor), and confirms the payment of the price to the supplier (creditor). By notifying,
It is considered that the problem that the payment for the product is not performed or the product for the price is not delivered is solved.

[0005] Therefore, there is a demand for a method of complementing mutual trust between delivery and payment of goods by commercial transactions between such companies.

[0006] The present invention has been made in view of such circumstances, and a method for managing a receivable and a receivable receivable capable of complementing mutual trust between delivery and payment of a product by commercial transaction between companies. That can be provided.

[0007]

According to a first aspect of the present invention, there is provided a method for managing accounts receivable, in which a buyer (debt borrower) 10 and a supplier (creditor) 20 use a communication terminal via an electronic commerce market on the Internet. A first step of ordering goods (FIG. 2); a second step of transmitting ordering data from the e-commerce market to the server 31 of the trust bank 30 (FIG. 2); (3) a third step (see FIG. 2) in which the party (20) trusts the receivables with the trust bank (30), and the buyer (borrower) (10) pays the tentative price to the trust bank (30). And a fifth step (FIG. 2) in which the trust bank 30 makes a payment contact to the supplier (creditor) 20.
), A sixth step (see FIG. 2) in which the supplier (creditor) 20 sends out the goods to the buyer (debt payer) 10 side, and the buyer (debt payer) 10 pays the trust bank 30 A seventh step (FIG. 2) for instructing payment confirmation, and an eighth step (FIG. 2) in which the trust bank 30 issues settlement funds (trust principal and profit) to the supplier (creditor) 20. It is characterized by having. Further, the first step includes the server 3 of the trust bank 30 side.
The first transaction verification unit may include a ninth step (FIG. 2) of confirming a business transaction between the buyer (debtor) 10 and the supplier (creditor) 20. Further, the second step may include a tenth step (FIG. 2) in which the server 31 of the trust bank 30 registers the contents of the commercial transaction in the database. In the third step, the accounts receivable trust trust instructing section 22 of the communication terminal of the supplier (creditor) 20 side sends the accounts receivable to the account receivable trust trust section 34 of the server 31 of the trust bank 30. An eleventh step (see FIG. 2) of entrusting and instructing a credit trust can be included. Further, in the fourth step, the communication terminal stop condition price (provisional) of the buyer (obligor) 10 side (provisional) from the communication terminal of the payment instruction unit 13 side, the stop condition price of the server 31 of the trust bank 30 ( The (temporary) payment receiving unit 33 may include a twelfth step (FIG. 2) of performing a payment (temporary) with a stop condition. Further, in the fifth step, the deposit communication unit 35 of the server 31 of the trust bank 30 notifies the supplier (creditor) that the buyer (debtor) 10 has received the payment (temporary) with a stop condition. 13) A thirteenth step (of FIG. 2) of contacting the deposit notification receiving unit 23 of the communication terminal on the side of the side 20 can be included. In the sixth step, the merchandise is sent from the merchandise sending management unit of the communication terminal on the supplier (creditor) 20 side to the merchandise receiving / accepting unit 12a of the communication terminal on the buyer (obligor) 10 side. Fourteen steps (of FIG. 2) can be included. Further, in the seventh step, after the goods are received and confirmed by the goods receipt / inspection section 12a of the buyer (debt borrower) 10, the payment payment decision instructing section 12 of the communication terminal of the buyer (debt borrower) 10 receives the goods from the buyer. The fifteenth step (FIG. 2) of instructing the payment payment confirmation may be included in the payment payment confirmation receiving part 32 of the server 31 of the trust bank 30. In the eighth step,
From the settlement fund (trust principal and profit) delivery unit 36 of the server 31 of the trust bank 30 to the supplier (creditor)
First, the settlement fund (trust principal and profit) is delivered to the settlement fund (trust principal and profit) confirmation unit 24 of the communication terminal of the 20 side.
6 (FIG. 2) can be included. According to a tenth aspect of the present invention, there is provided a method according to the seventeenth aspect, wherein a buyer (debt borrower) 10 and a supplier (creditor) 20 use a communication terminal to place an order for goods via an electronic commerce market on the Internet. Process (Figure 5) and ordering data from the e-commerce market
An eighteenth step (see FIG. 5) of transmitting to the server 31 on the 0a side and a nineteenth step in which the supplier (creditor) 20 transfers the receivable to the factoring company 30a.
Step (FIG. 5), a twentieth step (FIG. 5) in which the buyer (obligor) 10 makes a payment (temporary) with a stop condition to the factoring company 30a, and the factoring company 30a (a creditor)
A twenty-first step (see FIG. 5) for making a payment contact to 20 and a twenty-second step (see FIG. 5) in which the supplier (creditor) 20 sends out goods to the buyer (debtor) 10 side.
A 23rd step (FIG. 5) in which the buyer (debt payer) 10 issues a payment confirmation instruction to the factoring company 30a, and the factoring company 30a gives the supplier (creditor) 20 settlement funds (factoring payment). 24) (FIG. 5). In the seventeenth step, the commercial transaction confirmation unit of the server 31 of the factoring company 30a confirms a commercial transaction between the buyer (debt borrower) 10 and the supplier (creditor) 20. (Of FIG. 5) can be included. Further, the eighteenth step may include a twenty-sixth step (FIG. 5) in which the server 31 of the factoring company 30a registers the contents of the commercial transaction in the database. In the nineteenth step, the factoring instructing unit 22a of the communication terminal on the supplier (creditor) 20 side consigns and instructs the receivable receivable trust to the factoring receiving unit 34a of the communication terminal on the factoring company 30a side. 27 is performed (FIG. 5). Further, in the twentieth step, the payment condition (temporary) payment terminating unit 13 for the communication terminal on the side of the buyer (obligor) 10 is transmitted from the payment instruction unit 13 to the price (temporary) condition for stopping the communication terminal on the factoring company 30a side. The payment receiving unit 33 may include a twenty-eighth step (FIG. 5) of performing payment (provisional) with a stop condition. In the twenty-first step, the factoring company 3
The payment contact unit 35 of the communication terminal of the communication terminal on the side of the supplier (creditor) 20 informs the receipt contact unit 35 of the communication terminal of the supplier (creditor) 20 that the buyer (debtor) 10 has received the payment (provisional) with a stop condition. A twenty-ninth step (of FIG. 5) may be included. In the 22nd step, a 30th step (FIG. 5) of sending goods from the goods delivery management section of the supplier (creditor) 20 to the goods reception / acceptance section 12a of the buyer (debtor) 10 Can be included. In the twenty-third step, after the goods are confirmed by the goods receipt and acceptance unit 12a of the buyer (obligor) 10, the payment payment confirmation instruction unit 12 of the communication terminal of the buyer (obligor) 10 transmits the factoring. It is possible to include a 31st step (FIG. 5) of instructing payment payment confirmation in the payment payment confirmation receiving section 32 of the communication terminal of the company 30a. In the twenty-fourth step, the factoring company 3
From the settlement fund (factoring price) delivery unit 36a of the communication terminal on the 0a side to the settlement fund (factoring price) confirmation unit 24a of the communication terminal on the supplier (creditor) 20 side.
May include a 32nd step (FIG. 5) of delivering a settlement fund (factoring fee).
A method according to claim 19, wherein the buyer (debt borrower) 10 and the supplier (creditor) 20 use a communication terminal to place an order for goods via an electronic commerce market on the Internet. Step (FIG. 7), a thirty-fourth step (FIG. 7) of transmitting ordering data from the e-commerce market to the server 31 of the trust bank 30, and the buyer (obligor) 10 side A thirty-fifth step (of FIG. 7) of trusting the deposit (money) with
A thirty-sixth step (see FIG. 7) in which the trust bank 30 issues a trust contact and issues a trust beneficiary right to the supplier (creditor) 20; A thirty-seventh step (see FIG. 7) for sending out the product and a thirty-eighth step (see FIG.
), And a thirty-ninth step (FIG. 7) in which the trust bank 30 issues settlement funds (trust principal and profits) to the supplier (creditors) 20. In the thirty-third step, the commercial transaction confirmation unit of the server 31 of the trust bank 30 confirms the commercial transaction between the buyer (debt borrower) 10 and the supplier (creditor) 20. (Of FIG. 7) may be included. In the thirty-fourth step, the trust bank 30
The server 31 on the side may include a forty-first step (FIG. 7) of registering the contents of the commercial transaction in the database. In the thirty-fifth step, the deposit (money) of the communication terminal of the buyer (obligor) 10 side is provided.
From the trust trust section 13a, the server 31 of the trust bank 30
The deposit (money) trust receiving section 33a may include a forty-second step (FIG. 7) of entrusting the deposit (money) trust. In the thirty-sixth step, the deposit communication / trust beneficiary right issuance unit 35a of the server 31 of the trust bank 30 receives the deposit (money) trust from the buyer (borrower) 10 and then enters the supplier ( a creditor)
Deposit communication / trust beneficiary right receiving unit 23a of the communication terminal on the 20 side
The 43rd process of issuing the trust contact and issuing the trust beneficiary right (see FIG. 7)
) Can be included. The 37th step is a forty-fourth step (see FIG. 7) in which the goods are sent from the goods delivery management section of the supplier (creditor) 20 to the goods reception / inspection section 12a of the buyer (debt payer) 10. ) Can be included. In the thirty-eighth step, the buyer (debtor) 1
After the merchandise is confirmed by the merchandise receiving / accepting unit 12a on the 0 side, the payment is confirmed from the payment confirming instruction unit 12 of the communication terminal of the buyer (obligor) 10 to the payment confirmation accepting unit 32 of the server 31 of the trust bank 30. It is possible to include a forty-fifth step (FIG. 7) of issuing a confirmation instruction. In the thirty-ninth step, the settlement fund (trust principal and profit) delivery unit 36 of the server 31 of the trust bank 30 is sent from the settlement fund (trust principal and profit) of the communication terminal of the supplier (creditor) 20 side. The forty-sixth step (FIG. 7) of delivering settlement funds (trust principal and profit) to the (revenue) confirmation unit 24 can be included. The method for managing accounts receivable according to claim 27, wherein the buyer (debt borrower) 10 and the supplier (creditor) 20 use a communication terminal to place an order for goods via an electronic commerce market on the Internet.
Step (FIG. 9), a forty-eighth step (FIG. 9) of transmitting ordering data from the e-commerce market to the server 31 of the financial institution 30b on which the depository business is handled, and the buyer (obligor). A fifty-ninth step (FIG. 9) in which the ten side deposits the money with the depository business banking financial institution 30b (FIG. 9);
0b is a fiftyth step (FIG. 9) of performing a deposit communication and issuance of a deed to the supplier (creditor) 20;
A fifty-first step (see FIG. 9) for shipping the goods to the 0 side, and a fifty-second step (see FIG. 9) in which the buyer (debt borrower) 10 instructs the depository business handling bank or other financial institution 30b to confirm the payment. ) And the fifty-third step (FIG. 9) in which the depository business handling bank or other financial institution 30b delivers the settlement funds to the supplier (creditor) 20. In the forty-seventh step, the commercial transaction confirming unit of the server 31 of the financial institution 30b such as a bank handling depositary business confirms the commercial transaction between the buyer (debtor) 10 and the supplier (creditor) 20. The fifty-fourth step (FIG. 9) may be included. In the forty-eighth step, the financial institution 3
The server 31 on the 0b side may include a fifty-fifth step (FIG. 9) of registering the contents of the commercial transaction in the database. In the forty-ninth step,
The depository commissioning unit 13b of the communication terminal on the side of the buyer (borrower) 10 sends the depository service handling bank or other financial institution 30b.
The fifty-sixth step (FIG. 9) of entrusting the deposit to the stop deposit with deposit condition part 33b of the communication terminal on the side can be included. In the fiftieth step, the deposit communication / deposit certificate issuance unit 35b of the communication terminal of the financial institution 30b such as the bank handling depository business receives the deposit from the buyer (obligor) 10 and (Creditor) Deposit contact / deposit receipt part 23 of the communication terminal on the side of 20
The fifty-seventh step (a in FIG. 9) in which a
) Can be included. The fifty-first step includes a fifty-eighth step (see FIG. 9) in which the goods are sent from the goods delivery management unit on the supplier (creditor) 20 side to the goods reception / inspection unit 12a on the buyer (debtor) 10 side. ) Can be included. In the 52nd step, the buyer (debtor) 1
After the merchandise is confirmed in the merchandise receiving / accepting unit 12a on the 0 side, the payment payment instructing unit 12 on the communication terminal on the buyer (obligor) 10 side determines the payment on the communication terminal on the financial institution 30b such as the bank handling the depository business. It is possible to include a fifty-ninth step (FIG. 9) of instructing the receiving unit 32 to confirm the payment. In the fifty-third step, the settlement fund is transferred from the settlement fund delivery unit of the communication terminal of the financial institution 30b such as the bank handling depository to the settlement fund confirmation unit 24b of the communication terminal of the supplier (creditor) 20. The sixth to be issued
0 (FIG. 9) can be included. A recording medium according to a thirty-fifth aspect is characterized by recording a program capable of executing the receivables management method according to any one of the first to thirty-fourth aspects. In the accounts receivable management method and the recording medium according to the present invention, for example, a buyer (debtor) 10 and a supplier (creditor) 20 use a communication terminal to place and receive an order for goods via an electronic commerce market on the Internet. The data of the order is transmitted from the e-commerce market to the server 31 of the trust bank 30, and the supplier (creditor) 20 trusts the receivable to the trust bank 30, and the buyer (debtor) 10 Side makes a payment (provisional) with a stop condition to the trust bank 30, and the trust bank 30 sends the supplier (creditor) 2
0 and make a payment contact, the supplier (creditor) 20
Sends the goods to the buyer (obligor) 10 side, the buyer (obligor) 10 instructs the trust bank 30 to confirm the payment, and the trust bank 30 sends the settlement funds to the supplier (creditor) 20. (Trust principal and profit).

[0008]

Embodiments of the present invention will be described below.

FIG. 1 is a diagram for explaining an outline of a receivables receivable management system according to an embodiment of a receivables receivable management system according to the present invention. FIG. FIG. 3 is a flowchart for explaining a receivables receivable management method in the receivables receivable management system of FIG. 1, and FIGS. 4 to 9 are for explaining other embodiments. FIG.

The receivables management system shown in FIG. 1 includes a buyer (debtor) 10, a supplier (creditor) 20, and a trust bank 30. In addition, buyer (debtor) 1
0, suppliers (creditors) 20, and trust banks 30 are interconnected via an electronic commerce market 40 on the Internet. In addition, here, not only the Internet but also a dedicated line can be used.

[0011] Further, commercial transactions relating to delivery of commodities between the buyer (debtor) 10 and the supplier (creditor) 20 are executed via the electronic commerce market 40 by using respective communication terminals 11 and 21 described later. It has become.

The buyer (debt borrower) 10 includes a communication terminal 11 having a goods receipt / inspection unit 12a, a payment confirmation instruction unit 12, and a stop condition provisional (temporary) payment instruction unit 13.

The stop condition provisional (temporary) payment instruction unit 13
As shown in FIG. 2, an instruction is given to the trust bank 30 to pay a (conditional) stop condition. Here, the buyer (debt borrower) 10 deposits money into the designated account of the trust bank.

The merchandise receiving / accepting section 12a accepts merchandise received from the supplier (creditor) 20 side. As shown in FIG. 2, the payment payment confirmation instruction unit 12 issues a payment payment confirmation instruction to the trust bank 30.

The supplier (creditor) 20 includes a receivables trust entrustment instructing section 22, a deposit communication receiving section 23, a settlement fund (trust principal and profit) confirming section 24, and a product shipping managing section 25.
Is provided.

In the same manner as described above, the receivables trust trust instructing unit 22 executes the receivables to the trust bank 30 as shown in FIG. Instructs trust receivable trust.

The deposit communication receiving unit 23 receives a deposit communication from the trust bank 30, as shown in FIG. The payment notification here relates to the payment (provisional) with the above stop condition from the buyer (obligor) 10 described above.

When the supplier (creditor) 20 confirms the payment notification from the trust bank 30 to the payment contact receiving unit 23, the product shipping management unit 25 sends the product to the buyer (debtor) 10 as shown in FIG. Send it out.

Settlement fund (trust principal and profit) confirmation unit 24
Accepts settlement funds (trust principal and profit) from the trust bank 30, as shown in FIG.

The trust bank 30 has a payment settlement receiving unit 3
2. A server having a stop condition provisional (temporary) deposit receiving unit 33, a receivables trust trust receiving unit 34, a deposit contacting unit 35, a settlement fund (trust principal and profit) delivering unit 36, a commercial transaction confirming unit 37, and a database 38. 31 are provided.

The commercial transaction confirming section 37 is provided with an electronic commerce market 40.
The transaction between the buyer (debtor) 10 and the supplier (creditor) 20 through the transaction is confirmed, and the contents of the transaction are registered in the database 38.

The receivables trust trust section 34 receives the receivables trust for the supplier (creditor) 20 of the buyer (debtor) 10 shown in FIG.

The payment (temporary) payment receiving unit 33 with the stop condition is
The payment (temporary) payment with stop condition from the payment (provisional) payment instruction unit 13 with stop condition on the side of the buyer (obligor) 10 shown in FIG. The trust bank 30 notifies the supplier (creditor) 20 of the payment notification shown in FIG. 2 from the payment communication unit 35 based on the payment (provisional) payment with the stop condition.

The payment payment confirmation receiving section 32 is a payment payment confirmation instructing section 1 of the buyer (obligor) 10 shown in FIG.
2. Accepts the payment payment confirmation instruction from 2. Trust Bank 30
Is settled by the settlement fund (trust principal and profit)
The settlement funds (trust principal and profit) shown in FIG. 2 are delivered. Incidentally, ~ shown in FIG. 2 indicates the order of commercial transactions.

Next, a method for managing accounts receivable in the system for managing accounts receivable having such a configuration will be described.

When the business transaction between the buyer (debtor) 10 and the supplier (creditor) 20 via the electronic commerce market 40 is completed, the commercial transaction data is transmitted from the electronic commerce market 40 to the trust bank 30 side. . The trust bank 30 registers the transmitted transaction data in the database 38 (steps 303 and 304).

At the supplier (creditor) 20 side, as shown in FIG. 2, the receivables trust is entrusted to the trust bank 30 by the receivables trust trust instructing unit 22 (step 306). Accounts receivable trust trust department 3 of 30
4 receives the receivables trust (step 305).

Further, as shown in FIG. 2, when the buyer (obligor) 10 side instructs the payment (temporary) with stop condition to instruct the trust bank 30 to pay the (temporary) stop condition. (Step 307), the payment (temporary) payment with stop condition receiving unit 33 of the trust bank 30 receives the payment (temporary) payment with stop condition (step 308).

When the trust bank 30 receives the (temporary) deposit with the suspension condition, the deposit liaison section 35 of the trust bank 30 operates as shown in FIG.
When the payment notification shown in FIG.
9), the payment communication receiving unit 23 of the supplier (creditor) 20 receives the payment communication (step 310). As described above, the payment notification here relates to the payment (provisional) with a stop condition from the buyer (obligor) 10. Then, the goods are sent from the supplier (creditor) 20 to the buyer (debt payer) 10 (step 311).

Next, when the buyer (debtor) 10 receives the goods from the supplier (creditor) 20, the buyer performs the acceptance. When the acceptance result matches with the contents of the commercial transaction, the payment confirmation instructing unit 12 shown in FIG. As shown in, trust bank 3
0 (step 312), and the payment settlement accepting unit 32 of the trust bank 30 receives the payment settlement instruction (step 313).

The trust bank 30 completes the settlement of the trust based on the payment instruction from the buyer (obligor) and issues the settlement fund (trust principal and profit) to the supplier (creditor) 20 (step). 314). In the supplier (creditor) 20 side, the settlement fund (trust principal and profit) confirmation unit 24 receives the delivery of the settlement fund (trust principal and profit) from the trust bank 30, and the buyer (debtor) 10 receives Payment can be confirmed (step 315).

As described above, in the present embodiment, the buyer (debt borrower) 10 and the supplier (creditor) 20 use the communication terminals 11 and 21 to exchange goods via the electronic commerce market 40 on the Internet. Conduct commercial transactions,
The server 31 of the trust bank 30 is a buyer (debtor) 10 and a supplier (creditor) from the e-commerce market 40.
Assuming the receipt of commercial transaction data with the customer 20, the supplier (creditor) 20 receives a receivable receivable from the side of the supplier (creditor) 20 and the buyer (debtor) 10 side receives a contingent payment (provisional).
When the payment is confirmed, the supplier (creditor) 20 is notified of the payment confirmation, and when the supplier (creditor) 20 receives the notification of the payment confirmation from the trust bank 30, the buyer (debtor) 10 receives the product. The buyer (debtor) receives the goods, receives the goods, and orders payment to the supplier (creditor) 20 to settle the payment from the trust bank 30 to the supplier (creditor) 20. Funds are remitted. In this way, mutual trust between the delivery and payment of goods by commercial transactions between companies can be complemented.

In the present embodiment, the case where the trust bank 30 receives the receivables trust from the supplier (creditor) 20 has been described. When performing receivable transfer (factoring), for example, a receivable receivable management system and a receivable receivable factoring method as shown in FIGS. 4 and 5 can be adopted. In the drawings described below, only differences between FIGS. 1 and 2 will be described for convenience of description.

That is, in the receivables receivable management system shown in FIG. 4, the receivables trust entrustment instructing unit 22 and the settlement fund (trust principal and profit) confirming unit 24 in FIG. The fund (factoring price) confirmation unit 24a has been changed.

The trust bank 30 in FIG. 1 has been changed to a factoring company 30a. Further, the receivables trust trust receiving section 34 and the settlement fund (trust principal and profit) delivery section 36 in FIG. 1 are changed to a factoring reception section 34a and a settlement fund (factoring price) delivery section 36a, respectively.

After completing the business transaction related to the delivery of the goods via the electronic commerce market 40, the factoring instruction unit 22a transfers the receivable (factoring) to the factoring company 30a, which will be described later, as shown in FIG. To instruct. The factoring receiving unit 34a of the factoring company 30a receives the transfer of the receivables shown in FIG.

Settlement fund (factoring price) confirmation unit 2
4a is a factoring company 3 as shown in FIG.
The payment of the settlement fund (factoring price) from 0a is accepted.

As described above, in this embodiment, the buyer (debt borrower) 10 and the supplier (creditor) 20 use the communication terminals 11 and 21 to exchange goods via the electronic commerce market 40 on the Internet. When the server 31 of the factoring company 30a receives the transfer of the receivable from the supplier (creditor) 20 and confirms that the buyer (debtor) 10 has confirmed the payment of the payment, the supplier ( By contacting the creditor 20 with the payment, the supplier (creditor) 20 can ship the goods to the buyer (debtor) 10 side, and after the goods are shipped, the supplier (crediter) 20 can send the goods to the factoring company 30a. From the settlement funds (factoring price)
, It is possible to complement the mutual trust between the delivery and the payment of the goods by the business transaction between the companies.

When a deposit (money) from the buyer (borrower) 10 is trusted, a receivable receivable management system and a receivable receivable trust method as shown in FIGS. 6 and 7, for example, are adopted. can do. In the drawings described below, only the differences between FIGS. 1 and 2 will be described for convenience of description.

That is, in the receivables receivable management system shown in FIG. 6, the payment (provisional) payment instructing unit 13 in FIG. 1 is changed to a deposit (money) trust entrusting unit 13a. As shown in FIG. 7, the deposit (money) trust entrustment section 13a performs a deposit (money) trust.

The supplier (creditor) 20 shown in FIG.
, The receivables trust entrustment instructing unit 22 is omitted. In addition, in the supplier (creditor) 20, the deposit communication receiving section 23 receives the deposit communication / trust beneficiary right receiving section 23a.
Has been changed to This deposit communication / trust beneficiary right receiving unit 2
3a receives the deposit communication / trust beneficiary right as shown in FIG.

Further, the deposit (temporary) deposit receiving unit 33 with a stop condition on the trust bank 30 side in FIG. 1 is changed to a deposit (money) trust receiving unit 33a.

The deposit (money) trust receiving section 33a is shown in FIG.
Receive a deposit (money) trust.

Further, the receivables trust receiving section 34 of the trust bank 30 shown in FIG. 1 is omitted. Further, the deposit communication unit 35 is changed to a deposit communication / trust beneficiary right issuing unit 35a.
The deposit communication / trust beneficiary right issuance unit 35a issues the deposit communication / trust beneficiary right as shown in FIG.

As described above, in this embodiment, by accepting the deposit from the buyer (debtor) 10, the supplier (creditor) 20 can trust the trust bank 30.
Can receive the confirmation of the deposit from the company and can ship the goods to the buyer (borrower) 10 side, so that the mutual trust between the delivery and the payment of the goods by the business transaction between the companies can be complemented. it can.

In the accounts receivable management system and the accounts receivable trust method shown in FIGS. 6 and 7, the trust bank 30 is connected to the bank handling the deposit business as shown in FIGS. It may be the financial institution 30b. In addition, the deposit (money) trust receiving section 33a in FIG. 6 may be a stop condition-based price depositing section 33b.

In FIG. 8, the deposit (money) trust entrustment section 13a in FIG. 6 is changed to a deposit entrustment section 13b. The deposit entrustment unit 13b performs the deposit shown in FIG.

The deposit communication / trust beneficiary right receiving unit 23a in FIG. 6 is changed to a deposit communication / deposit certificate receiving unit 23b. This deposit communication / deposit certificate receiving unit 23b is configured as shown in FIG.
Accept the deposit contact / deposit certificate as shown in.

The settlement fund (trust, principal, and profit) confirmation unit 24 in FIG. 6 is changed to a settlement fund confirmation unit 24b.

The trust contact / trust beneficiary right issuing unit 35a in FIG. 6 is changed to a deposit contact / trust certificate issuing unit 35b. This deposit communication / deposit certificate issuance unit 35b is configured as shown in FIG.
Issue a deposit notification and deposit certificate as shown in.

Further, the settlement fund (trust principal and profit) delivery unit 36 in FIG. 6 is changed to a settlement fund delivery unit 36b. The settlement fund delivery unit 36b delivers the settlement fund as shown in FIG.

As described above, in this embodiment, by accepting the deposit from the buyer (debtor) 10, the supplier (creditor) 20 can receive the deposit from the financial institution 30 b such as a bank that handles the deposit business. Since the money can be confirmed and the goods can be sent to the buyer (debt borrower) 10, the mutual trust between the delivery and the payment of the goods by the business transaction between the companies can be complemented.

In each of the above-described embodiments, for example, the buyer (debtor) 10, the supplier (creditor) 20, and the trust bank 30 receive, for example, an instruction for payment, an instruction for trust of accounts receivable, and notification of deposit. And the like are described via the Internet. However, the present invention is not limited to this example, and means such as a dedicated line, facsimile communication, and document mailing may be used.

[0054]

As described above, according to the accounts receivable management method and the recording medium according to the present invention, for example, a buyer (obligor)
10 and a supplier (creditor) 20 use a communication terminal,
An order is placed through the e-commerce market on the Internet, the order data is transmitted from the e-commerce market to the server 31 of the trust bank 30, and the supplier (creditor) 20 sells to the trust bank 30. The creditor is placed in a trust, the buyer (debtor) 10 pays a provisional stop condition payment (provisional) to the trust bank 30, and the trust bank 30 contacts the supplier (creditor) 20 to make payment, and the supplier (crediter) 20 sends the goods to the buyer (debtor) 10 side, the buyer (debtor) 10 instructs the trust bank 30 to confirm the payment, and the trust bank 30 sends the settlement funds (trust principal) to the supplier (creditor) 20. And profits), it is possible to complement mutual trust between the delivery and the payment of goods by commercial transactions between companies.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an outline of a receivables management system according to an embodiment of a receivables management method of the present invention.

FIG. 2 is a diagram for explaining mutual exchange in the receivables receivable management system of FIG. 1;

FIG. 3 is a flowchart illustrating a method for managing a receivable in the receivables management system of FIG. 1;

FIG. 4 is a diagram showing another embodiment in which the configuration of the receivables management system in FIG. 1 is changed.

FIG. 5 is a diagram for explaining mutual exchange in the receivables receivable management system of FIG. 4;

FIG. 6 is a diagram showing another embodiment in which the configuration of the receivables management system of FIG. 1 is changed.

FIG. 7 is a diagram for explaining mutual exchange in the receivables receivable management system of FIG. 6;

8 is a diagram showing another embodiment in which the configuration of the receivables management system of FIG. 6 is changed.

FIG. 9 is a diagram for explaining mutual exchange in the receivables receivable management system of FIG. 8;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Buyer (debt borrower) 11 and 21 Communication terminal 12 Price payment confirmation instruction part 12a Commodity receipt inspection part 13 Stop condition payment (provisional) payment instruction part 13a Deposit (money) trust consignment part 13b Deposit delegation part 20 Supplier ( Creditors) 22 Accounts receivable trust entrustment instruction part 22a Factoring instruction part 23 Deposit communication reception part 23a Deposit communication / trust beneficiary right reception part 23b Deposit communication / deposit receipt acceptance part 24 Settlement fund (trust principal and profit) confirmation part 24a Settlement fund (factoring price) confirmation unit 24b Settlement fund confirmation unit 25 Commodity shipping management unit 30 Trust bank 30a Factoring company 30b Depository service bank or other financial institution 31 Server 32 Payment payment confirmation reception unit 33 Acceptance of payment with provisional conditions (temporary) Section 33a Deposit (Money) Trust Deposit Section 33b Deposit Section with Stop Condition 34 Accounts Receivable Trust Trust Section 34a Factoring Receiving Section 35 Deposit Receiving Section 35a Deposit Communication / Trust Beneficiary Right Issuing Section 35b Deposit Communication / Deposit Receipt Issuing Section 36 Settlement Fund (Trust Principal and Profit) Issuing Section 36a Settlement Fund (Facturing Price) ) Delivery Department 36b Settlement Fund Delivery Department 37 Commerce Confirmation Department 38 Database 40 Electronic Commerce Market

Continued on the front page F-term (reference) 5B049 BB11 BB46 CC05 CC36 EE00 GG00 5B055 CA00 CC00 EE27 FA00 FB00 JJ00

Claims (35)

[Claims] 1. A first step (FIG. 2) in which a buyer (debtor) and a supplier (creditor) use a communication terminal to place and receive an order for goods via an e-commerce market on the Internet; A second step of transmitting order data from the market to the server of the trust bank (see FIG. 2), and a third step in which the supplier (creditor) trusts the receivable with the trust bank ( FIG. 2), a fourth step (FIG. 2) in which the buyer (borrower) pays the provisional (temporary) stop condition to the trust bank (FIG. 2), and the trust bank deposits the supplier (creditor). A fifth step of contacting (FIG. 2), wherein said supplier (creditor) is said buyer (debtor)
A sixth step (shown in FIG. 2) of sending the goods to the side, a seventh step (shown in FIG. 2) in which the buyer (debt borrower) instructs the trust bank to pay the price, and An eighth step (see FIG. 2) of delivering settlement funds (trust principal and profit) to a supplier (creditor). 2. In the first step, buyers (collection / registration / retrieval, electronic quotation / ordering, ordering / order matching, etc.) are used in a marketplace operating company by using a function of a buyer ( In addition to conducting business transactions between the debtor) and the supplier (creditor), data relating to the business transaction is sent from the marketplace operating company to the server of the trust bank by a data transmission method, and the business transaction of the trust bank is performed. The certifying unit includes a ninth step (FIG. 2) of confirming a commercial transaction between the buyer (debt borrower) and the supplier (creditor) based on the received commercial transaction data. Item 1. The receivables management method according to Item 1. 3. The method according to claim 1, wherein the second step includes a tenth step (FIG. 2) in which the trust bank server registers the contents of the commercial transaction in a database. Accounts receivable management method described in. 4. In the third step, the receivable trust trust outsourcing section of the communication terminal of the supplier (creditor) side outsources the receivables trust trust to the receivables trust trustee section of the trust bank. 2. The method according to claim 1, further comprising an eleventh step (FIG. 2) of giving an instruction. 5. In the fourth step, a payment (temporary) payment receiving unit with a stop condition of the trust bank is provided by a payment (provisional) payment instruction unit with a stop condition of the communication terminal on the buyer (obligor) side. 2. The method according to claim 1, further comprising a twelfth step (FIG. 2) of paying a provisional payment with a stop condition. 6. In the fifth step, the deposit liaison section of the trust bank server informs the supplier (creditor) that the buyer (obligor) has received a payment (temporary) with a stop condition from the buyer (obligor). 2. A receivables management method according to claim 1, further comprising a thirteenth step (FIG. 2) of contacting a deposit communication receiving unit of the communication terminal on the side. 7. The method according to claim 6, further comprising the step of: sending a product from a product delivery management unit of the communication terminal on the supplier (creditor) side to a product reception and acceptance unit of the communication terminal on the buyer (debtor) side. 2. The method according to claim 1, comprising 14 steps (FIG. 2). 8. In the seventh step, after the goods are confirmed in a goods receipt and acceptance section of the buyer (debt borrower), the trust payment is made from the charge payment determination instruction section of the communication terminal of the buyer (debt borrower). 2. The receivables management method according to claim 1, further comprising a fifteenth step (FIG. 2) of instructing the payment payment confirmation receiving unit of the bank server to confirm the payment. 9. In the eighth step, a settlement fund (trust principal and profit) of the communication terminal on the supplier (creditor) side is confirmed from a settlement fund (trust principal and profit) delivery section of the trust bank. 2. The method according to claim 1, wherein the step includes a sixteenth step (FIG. 2) of delivering settlement funds (trust principal and profit). 3. 10. A seventeenth step (FIG. 5) in which a buyer (debtor) and a supplier (creditor) use a communication terminal to place and receive an order for goods via an e-commerce market on the Internet. Eighteenth step of transmitting ordering data from the market to the server of the factoring company (Fig. 5)
And a nineteenth step in which the supplier (creditor) transfers the receivables to the factoring company (FIG. 5)
A twentieth step (FIG. 5) in which the buyer (debtor) pays the provisional stoppage (tentative) payment to the factoring company (FIG. 5);
21st step (of FIG. 5) of making a payment contact with the supplier (the creditor)
A twenty-second step (shown in FIG. 5) of sending the goods to the side; a twenty-third step (shown in FIG. 5) in which the buyer (obligor) side instructs the factoring company to pay the price; Supplier (Creditor)
And a twenty-fourth step (FIG. 5) of delivering a settlement fund (factoring fee) to the receivables. 11. In the seventeenth step, the buyer (e.g., a buyer or a seller) utilizes functions such as product information collection, registration, and search, electronic quotation and ordering, and order matching in the business-to-business electronic commerce market held by the marketplace operating company. Borrowers) and suppliers (creditors),
The data relating to the commercial transaction is sent from the marketplace operating company to the server of the factoring company by a data transmission method, and the commercial transaction confirmation section of the server of the factoring company side communicates with the buyer (debtor) and the supplier (creditor). A twenty-fifth step (of FIG. 5) of confirming a commercial transaction between the two is included.
The method for managing accounts receivable described in item 0. 12. The method according to claim 10, wherein the eighteenth step includes a twenty-sixth step (FIG. 5) in which the factoring company server registers the contents of the commercial transaction in a database. Accounts receivable management method described. 13. The nineteenth step, wherein a factoring instruction unit of the communication terminal on the supplier (creditor) side instructs the factoring reception unit on the factoring company side to transfer (factoring) accounts receivable. 2
11. The method according to claim 10, further comprising the step of (7) (FIG. 5). 14. The twentieth step includes: a stop condition-based (temporary) payment instructing unit for the buyer (obligor) -side communication terminal; 11. The method according to claim 10, further comprising a twenty-eighth step (FIG. 5) of making a payment (provisional) with a stop condition. 15. In the twenty-first step, the depositing liaison section of the factoring company includes the buyer (obligor).
29. A twenty-ninth step (FIG. 5) for notifying the supplier (creditor) side of the payment (provisional) payment with a stop condition to the payment contact receiving unit of the communication terminal on the supplier side. Item 10. The receivables management method according to Item 10. 16. The twenty-second step includes a thirtieth step (FIG. 5) of sending goods from a goods delivery management unit of the supplier (creditor) to a goods receipt and acceptance unit of the buyer (debt borrower). The method according to claim 10, further comprising: 17. In the twenty-third step, after the buyer (debt borrower) confirms the goods in a goods receipt and acceptance unit, the buyer (debt borrower) sends a payment payment confirmation instruction unit to the factoring company. 11. The receivables receivable management method according to claim 10, further comprising a thirty-first step (FIG. 5) of instructing the payment payment confirmation receiving unit on the side of the payment payment confirmation. 18. In the twenty-fourth step, the settlement fund (factoring price) issuance unit of the factoring company sends a settlement fund (factoring price) confirmation unit of a communication terminal of the supplier (creditor) side to the settlement fund (factoring price) confirmation unit. 11. The method according to claim 10, further comprising a thirty-second step (FIG. 5) of delivering a factoring charge. 19. A thirty-third step (FIG. 7) in which a buyer (debtor) and a supplier (creditor) use a communication terminal to place an order for goods via an e-commerce market on the Internet, A thirty-fourth step (FIG. 7) for transmitting ordering data from the market to the trust bank server, and a thirty-fifth step in which the buyer (obligor) trusts the trust bank for a deposit (money) with the trust bank. A 36th step (FIG. 7) in which the trust bank issues a deposit communication and a trust beneficiary right to the supplier (creditor) to the supplier (creditor); Debtor)
A 37th step (see FIG. 7) of sending goods to the trust bank; a 38th step (see FIG. 7) in which the buyer (debt borrower) instructs the trust bank to pay the price; A 39th step (FIG. 7) of delivering settlement funds (trust principal and profit) to a supplier (creditor). 20. In the thirty-third step, buyers (collection / registration / retrieval, electronic quotation / ordering, ordering / order matching, etc.) of the marketplace operating company are utilized by the buyer ( Borrowers) and suppliers (creditors),
The marketplace operating company sends data related to the commercial transaction to the trust bank server by a data transmission method, and the commercial transaction confirmation unit of the trust bank server communicates with the buyer (debtor) and the supplier (creditor). 20. The receivables management method according to claim 19, further comprising a fortieth step (FIG. 7) of confirming a commercial transaction between the accounts. 21. The method according to claim 19, wherein the thirty-fourth step includes a forty-first step (FIG. 7) in which the server of the trust bank registers the contents of the commercial transaction in a database. Accounts receivable management method described. 22. In the thirty-fifth step, the deposit (money) trust trust section of the communication terminal of the buyer (obligor) side transfers the deposit money (money) trust trust section of the trust bank server to the deposit bank (money) trust trust section. 20. The receivables management method according to claim 19, further comprising a forty-second step (FIG. 7) of entrusting a (money) trust. 23. In the thirty-sixth step, the deposit communication / trust beneficiary right issuance unit of the trust bank server receives the deposit (money) trust from the buyer (borrower), and then executes the supplier (claim). No. 43 which issues the deposit notification and trust beneficiary right to the depositor contact / trust beneficiary right receiving unit of the communication terminal of the (party) side
20. The method for managing accounts receivable according to claim 19, comprising the step (FIG. 7). 24. The 37th step includes the step of sending a product from a product delivery management section on the supplier (creditor) side to a product receipt and acceptance section on the buyer (debtor) side.
20. The method for managing accounts receivable according to claim 19, comprising the step (FIG. 7). 25. In the thirty-eighth step, after the goods are confirmed by the goods receiving / accepting section of the buyer (obligor) side, the trust payment is made from the charge payment determination instruction section of the communication terminal of the buyer (obligor) side. 20. The receivables receivable management method according to claim 19, further comprising a forty-fifth step (FIG. 7) of instructing the payment payment confirmation receiving unit of the bank server to execute the payment payment confirmation instruction. 26. The 39th step includes the steps of: providing a settlement fund (trust principal and income) of the server of the trust bank from a settlement terminal (trust principal and income) of the communication terminal on the supplier (creditor) side; 20. The receivables management method according to claim 19, wherein the confirmation unit includes a forty-sixth step (of FIG. 7) of delivering settlement funds (trust principal and profit). 27. A forty-seventh step (FIG. 9) in which a buyer (debtor) and a supplier (creditor) use a communication terminal to place and receive an order for goods through an e-commerce market on the Internet. Forty-eighth process of transmitting ordering data from the market to a server at a financial institution such as a bank handling depository business (FIG. 9)
) And the fifty-ninth step (FIG. 9) in which the buyer (debt borrower) deposits the money with the financial institution, such as the depository business bank, and the financial institution, such as the depository business bank, A fiftyth step (see FIG. 9) of issuing a depositary bond to the creditor) and the supplier (creditor)
A fifty-first step (shown in FIG. 9) for sending goods to the side; a fifty-second step (shown in FIG. 9) in which the buyer (borrower) issues a payment confirmation instruction to the financial institution such as the bank handling the depository business; A fifty-third step (FIG. 9) in which the depository bank or other financial institution issues settlement funds to the supplier (creditor). 28. In the forty-seventh step, a commercial transaction confirming unit of a server of a financial institution such as a bank handling depository business confirms a commercial transaction between the buyer (debtor) and a supplier (creditor). 28. The method according to claim 27, further comprising a fifty-fourth step (of FIG. 9). 29. The forty-eighth step includes a fifty-fifth step (FIG. 9) in which a server at a financial institution such as a bank handling depository business registers the contents of the commercial transaction in a database. 28. The receivables management method according to claim 27. 30. In the forty-ninth step, a deposit is deposited from a deposit entrustment section of a communication terminal of the buyer (obligor) to a deposit deposit section with a stop condition of a communication terminal of a financial institution such as a bank handling a deposit business. 28. The method according to claim 27, further comprising a fifty-sixth step (see FIG. 9) of entrusting money. 31. In the fiftieth step, the deposit communication / deposit issuance section of the communication terminal of the financial institution such as a bank handling depository business, after receiving a deposit from the buyer (borrower), enters the supplier 28. The receivable according to claim 27, wherein the depositary contact / deposit receipt receiving section of the communication terminal of the (creditor) side includes a fifty-seventh step (FIG. 9) of issuing depositary deposit / deposit certificate. Receivable management method. 32. In the fifty-first step, a product is sent from a product delivery management section on the supplier (creditor) side to a product receipt / inspection section on the buyer (debtor) side.
28. The method according to claim 27, further comprising the step (FIG. 9). 33. In the fifty-second step, after the goods are received and confirmed by the goods receiving / accepting section of the buyer (debt borrower), the deposit is determined from the payment payment confirmation instruction section of the communication terminal of the buyer (debt borrower). 28. The accounts receivable management according to claim 27, characterized in that the payment payment confirmation receiving section of the communication terminal of the financial institution such as a bank handling business includes a fifty-ninth step (FIG. 9) for instructing payment payment confirmation. Method. 34. In the fifty-third step, the settlement fund is transferred from the settlement fund issuing unit of the communication terminal of the financial institution such as the depository handling bank to the settlement fund confirmation unit of the communication terminal of the supplier (creditor). 28. The receivables management method according to claim 27, further comprising a 60th step (FIG. 9) of delivering. 35. A recording medium recording a program capable of executing the method for managing the receivables according to claim 1. Description: