JP2003016363A - System and method for shortening payment period of credit dealing having been approved - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that factoring service wherein a credit card company buys a credit claim due to the situation of a credit card alliance store and pays the amount obtained by subtracting a credit card use charge and a factoring service use commission from the credit buying amount to the credit card alliance store within 1 or 2 days after the credit claim is bought can not be used. SOLUTION: A system comprises a factoring server and a credit settlement server. The factoring server receives data for application for use of factoring service from a credit card alliance store, sends the received data for application to the credit settlement server, and stores data sent from the credit settlement server. The factoring server is equipped with a transmitting means which sends factoring use approval data or factoring use rejection data to a credit card alliance store terminal device.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment period shortening system and a shortening method for approved credit transactions.

[0002]

2. Description of the Related Art Conventionally, the flow of credit card transactions is
It was performed as shown in FIGS. FIG. 2 is a diagram showing a flow up to a credit card settlement process in a conventional credit card transaction.

FIG. 3 is a diagram showing a flow after a credit card settlement process in a conventional credit card transaction is performed.

First, when credit card information is input to the credit card member store terminal device, the credit card member store terminal device displays the credit card number, credit card member name, and expiration date recorded on the credit card. Read (step S31).

Next, the usage amount and the payment method are input to the credit card member store terminal device (step S3).
2).

[0006] Then, the credit card information (credit card number, credit card member name, expiration date) read by the credit card member store terminal device and the information (usage amount,
Payment method), and information held by the credit card member store terminal device (credit card member store number, date and time of use)
The credit transaction information added with is transmitted from the credit card member store terminal device to the credit settlement server via a data transmission line such as a public line network (step S33).

The credit card member store terminal device described here is not limited to a CAT terminal (credit card authorization terminal), but can read the information of the credit card, and can also be used money, payment method, credit card member store number, and the like. Add information such as date and time of use,
In some cases, the information terminal can transmit the data to the credit settlement server via a data transmission line such as a public line network.

The credit card is not limited to a magnetic card for recording magnetic data, but may be an IC card or the like for recording data on an IC chip.

In the credit settlement server, whether or not the used credit card number exists, based on the credit transaction information transmitted from the credit card member store, whether each credit card information of the used credit card is the same person or not. If there is no accident information in the credit card information, and if the current amount of money is less than or equal to the available amount, Is given an approval number for this credit transaction, and if not, credit approval processing is performed to determine whether or not to approve the credit transaction, which is given a rejection code for each reason of approval rejection (step S34). .

When a credit settlement network center such as CAFIS is used for this credit authentication processing, a credit settlement network server installed in CAFIS or the like via a data transmission line such as a public line network from a credit card member store terminal device. Then, the credit settlement network server performs credit certification processing, and the certification processing data is transmitted to the credit settlement server via a data transmission line such as a leased line or a public line network.

After that, a credit authentication process (step S
In the case of the credit transaction data to which the refusal code is attached, the credit transaction processing for performing the settlement of the approved credit transaction is performed based on the authentication processing data attached in step 34). Date and time, credit card number, credit card member name,
An order record having each data of the credit card member store number and the refusal code is created (step S36), and the order record is stored in the credit card member database and the credit card member store database of the credit settlement server (step S37).

Thereafter, the data of the added order record is transmitted to the credit card member store terminal device (step S
38), the terminal device of the credit card member store receives the transmitted credit approval refusal data (step S39) and outputs it by an output unit such as a printer or a display unit such as a display.

In the case of credit transaction data to which an approval number is assigned, an order having data of date and time of use, amount of money used, payment method, credit card number, credit card member name, credit card member store number, and approval number. A record is created (step S40), and the order record is stored in the credit card member database and credit card member store database of the credit settlement server (step S41).

Thereafter, the data of the stored order record is transmitted to the credit card member store terminal device (step S
42), the terminal device of the credit card member store receives the transmitted credit approval data (step S4).
3), output by output means such as a printer, or
It is displayed by a display means such as a display.

In this credit card payment method using a credit card, however, the payment from the credit card company to the credit card member store minus the credit card usage fee is less than the credit card transaction date. It takes place 30 to 50 days later, and during that time, credit card member stores had an inconvenience that the credit receivables were in the state of accounts receivable and could not be used as liquidity cash. In addition, some stores refused to register as credit card merchants because they lacked liquidity on hand.

Therefore, immediately after the customer uses a credit card and the credit transaction is approved by the credit card company, the credit card company purchases the credit receivable generated in the credit transaction and uses the credit card from the credit transaction amount. By paying the amount less the commission and the factoring service usage fee to the credit card member store within 1-2 days from the purchase date of the credit receivable, the credit card member store can collect the accounts receivable as soon as possible and the credit card For companies, it is possible to promote the use of credit cards by increasing the number of member stores, and a method for early collection of accounts receivable of credit card member stores using a credit settlement server and factoring (Japanese Patent Application No. 2001-19
1897) was invented.

[0017]

However, a method for early collection of accounts receivable from a credit card member store using a credit settlement server and factoring (Japanese Patent Application No. 2001).
-191897), when a credit card member store does not use the factoring service immediately after the credit transaction is approved by the credit card company, thereafter, the factoring is performed due to a change in the sales situation of the credit card member store. Even if it becomes necessary to use the service, there is an inconvenience that the credit card company cannot purchase the credit receivable generated by the credit transaction, so that the payment date cannot be advanced.

The present invention has been made in view of the above circumstances, and a credit card company purchases a credit receivable generated in a credit transaction approved by the credit card company, and the credit card company purchases the credit. By paying the transaction amount less the credit card usage fee and the factoring service usage fee to the credit card member store within 1-2 days from the purchase date of the credit receivable, the credit card member store can check the sales status, etc. An object of the present invention is to provide a system and method for shortening the payment period of an approved credit transaction that enables the use of a factoring service according to changes.

[0019]

In order to achieve the above object, the present invention provides a payment period shortening system for an approved credit transaction, which comprises at least a factoring server and a credit settlement server. At least a factoring acceptance means for accepting factoring service use application data from a credit card member store, a transmitting means for transmitting the factoring service use application data accepted by the factoring acceptance means to a credit settlement server, and a transmission means for transmitting from the credit settlement server. Storing means for storing factoring use approval data including a factoring reception number or factoring use refusal data including a factoring use refusal code, and factoring Factoring usage authorization data including numbered, or, characterized by comprising a transmitting means for transmitting the factoring utilization refusal data including factoring use rejection code to the credit card merchant terminal.

Further, the credit settlement server has at least a means for judging whether or not the credit transaction for which the factoring service is applied can use the factoring service, and the transaction price shortened by using the factoring service. The payment period shortening days determining means for determining the payment period shortening days, the factoring fee rate determining means for determining the factoring fee rate corresponding to the payment period shortening days, and the factoring receipt number for the credit transaction record using the factoring service. Factoring reception number giving means to be given, storage means for storing the factoring reception number in a credit card member store database, and factor factor including the factoring reception number stored by the storage means. Characterized by comprising a transmitting means for transmitting the use authorization data to factoring server.

Further, the factoring accepting means of the factoring server may include payment period shortening days accepting means for accepting the payment period shortening days arbitrarily designated by the credit card member store.

At least in the method for shortening the payment period of the approved credit transaction, which comprises a factoring server and a credit settlement server, the factoring server receives at least factoring service use application data from a credit card member store. And a transmission procedure for transmitting the factoring service use application data received by the factoring acceptance procedure to the credit settlement server, the factoring use approval data including the factoring acceptance number transmitted from the credit settlement server, or the factoring use refusal code. The storage procedure for storing the factoring use refusal data including the factoring use approval data including the factoring receipt number, or the fax. Characterized by comprising a transmitting step of transmitting the factoring utilization refusal data containing ring utilized rejection code to the credit card merchant terminal.

Further, the credit settlement server has at least a procedure for determining whether or not a credit transaction for which a factoring service is applied can use the factoring service, and a transaction price shortened by using the factoring service. The payment period shortening days determination procedure for determining the payment period shortening days, the factoring fee rate determining procedure for determining the factoring fee rate corresponding to the payment period shortening days, and the factoring receipt number for the credit transaction record using the factoring service. A factoring receipt number giving procedure to be given, a storing procedure for storing the factoring receipt number in a credit card member store database, and a factoring ring including the factoring receipt number stored by the storing procedure. And characterized in that it comprises a transmission step of transmitting the use approval data to factoring server.

Further, the factoring acceptance procedure of the factoring server may include a payment term shortened day acceptance procedure for accepting a payment term shortened day arbitrarily designated by the credit card member store.

According to the present invention, the credit card company purchases the credit receivable generated in the credit transaction approved by the credit card company by the convenience of the credit card member store, and the credit card usage fee and the factoring service are used from the credit transaction amount. The amount less the commission, 1 from the purchase date of the credit bond
Since it becomes possible to pay to the credit card member store within two days, the credit card member store can use the factoring service according to changes in the sales situation and the like.

Therefore, the credit card member store can cash out the credit receivable for its own convenience, and can effectively use the fund for new purchase and capital investment.

[0027]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a payment period shortening system and a shortening method for an approved credit transaction according to the present invention. The payment period shortening system and shortening method for an approved credit transaction according to the present embodiment includes member store terminal devices 10-1 to 10-n, a factoring server 20, and a credit settlement server 21.

The member store terminal devices 10-1 to 10-n are
It is installed in each credit card member store 11-1 to 11-n and is connected to the factoring server 20 via a data transmission line such as a public line network.

The factoring server 20 is connected to the credit settlement server 21 directly by a data transmission cable or via a data transmission line such as a private line or a public line network.

Next, the flow of the embodiment of the present invention will be described with reference to the flowcharts of FIGS. FIG. 4 is a diagram showing the flow up to the factoring use confirmation processing.

FIG. 5 is a diagram showing a flow when the use of the factoring service is rejected after the factoring use confirmation process is performed.

FIG. 6 is a diagram showing a flow when the use of the factoring service is approved after the factoring use confirmation processing is performed.

First, approved credit transaction data (approval date, approval number, credit card number) is sent to a factoring server connected from any credit card member store terminal device via a data transmission line such as a public line network. , Credit transaction amount) (Step S4)
4) and the factoring service use application information (application date, credit card member store number, credit card member store PIN, desired payment date) are input (step S45), the factoring server displays the approved credit transaction data. And, each data of the factoring service use application information is read and the factoring service application is accepted (step S46).

Next, each data of the accepted factoring service application is transmitted directly to the credit settlement server connected by a data transmission cable or via a data transmission line such as a private line or a public line network (step S47). .

Then, the credit card settlement server makes a comprehensive contract regarding the use of the factoring service for the credit claims currently valid by the credit card member store based on the credit card member store number in the factoring service application data transmitted from the factoring server. It is judged whether or not it is concluded (step S4)
8).

Thereafter, the approved credit transaction data (approval date, approval number, credit card number, credit transaction amount) of the factoring service application data is associated with the approved credit transaction data of the credit card member store database (step). S4
9) Perform a factoring service use confirmation process for determining whether or not to purchase this credit bond from a credit card member store, that is, to approve the factoring service use application (step S5).
0).

According to the factoring contract confirmation judgment (step S48), if the comprehensive contract relating to the factoring of the currently valid credit receivable is not concluded, or it cannot be associated with the approved credit transaction data in the credit card member store database. In such cases, the credit card is not purchased, so the application date, approval date, approval number, credit card number, credit transaction amount, credit card member store number, credit card member secret code, A factoring use refusal record is created by adding a factoring service use refusal code to each data of the desired payment date (step S51), and the factoring use refusal record is stored in the credit card member store database ( Step S52).

Next, the data of the stored factoring use refusal record is transmitted to the factoring server (step S53), and the factoring server receives the transmitted factoring use refusal data (step S54) and stores it (step S55).

After that, the stored factoring use refusal data is transmitted to the credit card member store terminal device (step S56), and the credit card member store terminal device receives the transmitted factoring use refusal data (step S57), printer or the like. Is output by the output means, or is displayed by the display means such as a display.

On the other hand, by the factoring contract confirmation judgment (step S48), when the comprehensive contract regarding the factoring of the currently valid credit receivable has been concluded, and it corresponds to the approved credit transaction data of the credit card member store database. If you are able to attach the credit card, you can purchase the credit receivable by using the factoring service from the desired payment date of the factoring service application information and the expected payment date of the credit transaction in the credit card member store database. The number of days to shorten the payment period to the credit card member store to be shortened is determined (step S58), the corresponding factoring fee rate is determined (step S59), and the factoring service use fee is calculated.

According to the factoring service use fee calculation table of FIG. 7, for example, when the credit transaction amount is 50,000 yen and the shortened payment period is 39 days, the factoring service use fee is a factor transaction fee. Since it is 1.4% of the amount, the factoring service usage fee is 700 yen.

Thereafter, a factoring service reception number is added to the factoring service application data (step S60), and a factoring use approval record having the factoring service application data and the factoring service reception number is created (step S6).
1), store the factoring use approval record in the credit card member store database (step S6)
2).

Next, the data of the stored factoring use approval record is transmitted to the factoring server (step S63), and the factoring server receives the transmitted factoring use approval data (step S64) and stores it (step S65).

After that, the stored factoring use approval data is transmitted to the terminal device of the credit card member store (step S66), and the terminal device of the credit card member store receives the transmitted factoring use approval data (step S67). Is output by the output means, or is displayed by the display means such as a display.

When the factoring service of the present embodiment is used, the credit card company charges a credit card usage fee (for example, 4.0% of the credit receivable amount) and a factoring service usage fee (for example, from the purchased credit receivable amount). , Credit credit amount 1.4
%) To the credit card member store early.

The credit card member store terminal device described in the present embodiment is not limited to a personal computer, but may be an information terminal such as a mobile phone connectable to the Internet.

The factoring server described in the present embodiment may be a web server that displays a web page for accepting factoring on the Internet and accepts factoring services.

The factoring fee rate described in the present embodiment is not limited to the rate shown in FIG. 7, but may be an arbitrary rate with stages or the same rate.

According to this embodiment, the credit card member store can easily apply for the use of the factoring service from the terminal device of the credit member store. Therefore, due to a change in the sales situation, a shortage of liquidity at hand, etc. When cash is suddenly needed, there is a practical effect that the factoring service can be used according to the situation.

For a credit card company,
It is possible to increase the number of credit card affiliated stores by facilitating the cashing of credit receivables, and increase sales by increasing the number of credit card affiliated stores. Effect occurs.

[0051]

As described above, according to the present invention, the credit card company purchases the credit receivable generated in the credit transaction approved by the credit card company, and the credit card company credits the credit transaction amount. It is possible to pay the credit card member store less the card usage fee and the factoring service usage fee to the credit card member store within 1-2 days from the purchase date of the credit receivable. Factoring services can be used according to Therefore, the credit card member store can cash out the credit bond due to its own convenience, and can effectively use the fund for new purchase, capital investment, and the like.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing an embodiment of a payment period shortening system and a shortening method for an approved credit transaction according to the present invention.

FIG. 2 is a diagram showing a flow up to credit card settlement processing in a conventional credit card transaction.

FIG. 3 is a diagram showing a flow after a credit card payment process is performed in a conventional credit card transaction.

FIG. 4 is a diagram showing a flow up to a factoring use confirmation process in the embodiment of the present invention.

FIG. 5 is a diagram showing a flow in the case where the use of the factoring service is rejected after the factoring use confirmation processing is performed in the embodiment of the present invention.

FIG. 6 is a diagram showing a flow in the case where the use of the factoring service is approved after the factoring use confirmation processing is performed in the embodiment of the present invention.

FIG. 7 is a factoring service use fee calculation table in the embodiment of the present invention.

[Explanation of Codes] 10-1 to 10-n ... Credit card member store terminal devices 11-1 to 11-n ... Credit card member store 20 ... Factoring server 21 ... Credit settlement server 22 ... ..Credit card companies

Claims (6)

[Claims] 1. A system for reducing a payment period of an approved credit transaction, which comprises at least a factoring server and a credit settlement server, wherein the factoring server receives at least factoring service use application data from a credit card member store. Reception means, transmission means for transmitting the factoring service use application data received by the factoring reception means to the credit settlement server, factoring use approval data including the factoring reception number transmitted from the credit settlement server, or factoring use refusal Storage means for storing factoring use refusal data including a code,
A transmission means for transmitting factoring use approval data including a factoring reception number or factoring use refusal data including a factoring use refusal code to a credit card member store terminal device, and an approved credit transaction. Payment period reduction system. 2. The system for shortening the payment period of the approved credit transaction according to claim 1, wherein the credit settlement server at least determines whether or not the credit transaction for which the factoring service has been applied can use the factoring service. Determining means, determining the number of days to shorten the payment period of the transaction price that is shortened by using the factoring service, determining the number of days to reduce the payment period, and determining the factoring fee rate to determine the factoring fee rate corresponding to the number of days to reduce the payment period. Means and
A factoring receipt number assigning means for assigning a factoring receipt number to a credit transaction record using a factoring service, a storing means for storing the factoring receipt number in a credit card member store database, and the factoring receipt number stored by the storing means. A payment period shortening system for an approved credit transaction, comprising: a transmission means for transmitting factoring use approval data including: to a factoring server. 3. The payment period shortening system for the approved credit transaction according to claim 1 or 2, wherein the factoring accepting means of the factoring server accepts a payment period shortening day arbitrarily designated by a credit card member store. A system for shortening the payment period of an approved credit transaction, which has a means for receiving shortened days. 4. A method for shortening the payment period of an approved credit transaction comprising at least a factoring server and a credit settlement server, wherein the factoring server accepts at least factoring service use application data from a credit card member store. Reception procedure, transmission procedure for transmitting the factoring service use application data received by the factoring reception procedure to the credit settlement server, factoring use approval data including the factoring reception number transmitted from the credit settlement server, or factoring use refusal A storage procedure for storing factoring use refusal data including a code, and factoring use approval data including a factoring receipt number, or a fax. Transmission procedure and payment period shortening method approved credit transactions characterized in that it comprises a for transmitting factoring utilization refusal data containing ring utilized rejection code to the credit card merchant terminal. 5. The method for shortening the payment period of an approved credit transaction according to claim 4, wherein the credit settlement server is capable of using at least a factoring service for which a credit transaction for which a factoring service has been applied. And a procedure for determining the number of days to shorten the payment period for the transaction price that is shortened by using the factoring service,
A factoring fee rate determining procedure for determining a factoring fee rate corresponding to the payment period shortening days, a factoring receipt number assigning procedure for assigning a factoring receipt number to a credit transaction record using a factoring service, and the factoring receipt number for a credit card. An approved credit transaction, comprising: a storage procedure stored in a member store database; and a transmission procedure for transmitting factoring use approval data including the factoring receipt number stored by the storage procedure to a factoring server. Payment period shortening method. 6. The method for shortening the payment period of an approved credit transaction according to claim 4 or 5, wherein the factoring server's factoring acceptance procedure is a payment period for accepting a payment period shortening day arbitrarily designated by a credit card member store. A method for shortening the payment period of an approved credit transaction, which has a procedure for receiving shortened days.