JP2004038614A - Paying and receiving substitution processing method, computer program, and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a paying/receiving substitution processing method for defining the creditworthiness of a controlling company as a basis, so as to give the equivalent creditworthiness to controlled companies belonging to a group, and, then, performing a payment processing of a draft, etc., to an outer part under a condition equivalent to that of the controlling company. <P>SOLUTION: Bill payable details data concerning a payment from a B-company to a settlement destination Z are stored in a server 1. Payment details data in a case where the payment to the settlement destination Z is settled by a virtual bill payable processing are transmitted to a factoring company F from the server 1. Then a note of payment is reported to the settlement destination Z, and also each settlement amount or a total settlement amount is outputted to the factoring company F at every payment date as a transfer indication. After that, the server 1 performs a processing for updating balance data between the controlling company A and an in-group company B concerning the respective settlement amounts by the transfer. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a deposit / withdrawal processing method, a computer program, and a recording medium for managing the entire accounting between a supervising company and a supervised company, which form a group, and performing a necessary banking / principal transaction for the supervising company.
[0002]
[Prior art]
In many cases, companies carry out deposit / withdrawal processing by setting up a deposit account at a financial institution. If you want the company to deposit money, have this deposit account deposited. When the company withdraws, withdraw money from this deposit account. In this way, the state of the deposit and withdrawal of the company can be grasped by looking at the state of the deposit account.
[0003]
In addition, in recent years, consolidated accounting has been introduced, and in the case of forming one group having a relationship between a parent company and a subsidiary, it is necessary to perform accounting processing for the entire group.
[0004]
As before, setting up a deposit account for each company and checking the status of this deposit account requires time and effort, such as totaling the amount of deposits and withdrawals for each company in the group, and requires consolidated accounting for the entire group company. Therefore, in view of the above background, the present applicant has proposed a configuration of an accounting management system capable of managing accounting by integrating a plurality of companies constituting a group.
[0005]
That is, since the loan management between the supervising company and the supervised company constituting the group is performed by the computer, the processing of depositing and withdrawing between the group companies and / or the processing of dispensing outside the group company are performed by the computer. In this configuration, the supervising company takes place on behalf of the supervised company.
[0006]
Here, for example, a server provided in the supervising company is made to perform such inter-group loan management, and the supervising company (account) is used as a contact, so as to perform withdrawal processing to the outside. In other words, by only managing the loan account, it is possible to perform a deposit / withdrawal process between group companies without involving a deposit / withdrawal process between actual accounts. Accordingly, group companies can streamline operations such as transfer request operations and cash flow management.
[0007]
On the other hand, in the settlement of commercial transactions, the price is rarely settled in cash at the time of delivery of the goods, and a bill that promises to pay the price on a certain date in the future is often issued. However, bills have a large burden on physical management and a large burden on stamps, and have been a major factor that hinders the efficiency of office work in paying companies.
[0008]
For this reason, a trading scheme called collective factoring has been increasingly used in recent years. In this batch factoring, the paying company of the commercial transaction notifies the factoring company of the payment details without issuing a bill of exchange, and the factoring company pays the payment date to the receiving company based on the payment details to the receiving company. At the same time, processing is performed in a scheme of receiving payment from the paying company. At that time, the factoring company receives a commission from the paying company. Also, if the receiving company wants to raise funds before the due date, by requesting the factoring company to receive a discount, it is possible to receive the funds obtained by subtracting the amount of interest from the price notified on the payment details to the original due date. it can. In other words, this mechanism is based on the fact that the factoring company gives credit to the paying company.
[0009]
[Problems to be solved by the invention]
In the above-mentioned deposit and withdrawal processing between group companies, only the withdrawal processing outside the group company on the premise that settlement is performed in a short period of time by transfer and transfer processing, and only the balance book (computer loan management). Is being done. On the other hand, there is a strong demand that such a configuration can be applied to withdrawal processing similar to a bill outside the group company.
[0010]
However, the lump-factoring scheme described above is not available to all companies. For example, a company with low creditworthiness may not be able to receive credit from a factoring company, may not be able to participate in the scheme, or may be charged a high commission even if credit is provided. For this reason, there has been a problem that the effect of reducing bills of exchange can only be realized by some companies with high creditworthiness.
[0011]
The above problem also applies to the case where the creditworthiness of the parent company (the controlling company) is sufficient in the group company, but the creditworthiness of the paying subsidiary (the controlling company) is low. In such a case, it is conceivable to use a collective factoring scheme using the creditworthiness of the parent company. For example, the parent company can assume the payment obligations of the subsidiary and collectively use the factoring company to collect the payment obligations of the parent subsidiary, thereby indirectly receiving the lump factoring service with the creditworthiness of the parent company. However, even with this method, the actual transfer of funds between the parent and subsidiary is involved, so even in the case of a subsidiary, someone has to manage payment obligations, and the efficiency of the entire group's operations is only partially improved. Had not been realized.
[0012]
The present invention has been made in view of the above circumstances, and based on the creditworthiness of a controlling company that constitutes a group, gives equivalent creditworthiness to a supervised company that belongs to the group, and outputs bills to the outside. Withdrawal processing similar to the above (withdrawal processing by the actual bill of payment) can be performed under the same conditions as the supervising company, and the loan management and credit management between the supervising company and the supervised company are automatically performed. And to provide a deposit and withdrawal agent processing method that can automatically perform the cash management of the entire group by the controlling company.
[0013]
In addition, a computer program capable of causing a computer to execute such a method and a recording medium storing the program are also proposed.
[0014]
[Means for Solving the Problems]
The configuration of the present invention includes:
Since the loan management between the supervising company and the supervised company that constitute the group is performed by the computer, the processing of depositing and withdrawing between these group companies and / or the processing of dispensing outside the group company are controlled by the computer. In the method of processing payments and withdrawals performed by the supervising company on behalf of the company,
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step for notifying the payment notification data (the same or substantially the same content as the payment details data, hereinafter the same) for each settlement destination outside the group company;
For each payment date, a transfer instruction step in which each of the settlement amounts or the sum of these settlement amounts is output as a transfer instruction to the external institution,
A loan data update step in which the balance data between the supervising company and the supervised company is updated with respect to each settlement amount by the above transfer;
Is performed by the above-described computer as a basic feature.
[0015]
Here, the above-mentioned external institution means that credits (including trust receivables) equivalent to bills of exchange are transferred from creditors such as business partners outside the group (corresponding to the above-mentioned settlement destinations), and the transfer of the controlling company ( (In some cases, including the supervised company) (obligation to transfer the receivables of the hypothetical bill specified in the claims), and upon the request from the creditor, On the other hand, if the payment date has not yet arrived, the receivable purchase price discounted at a discount rate corresponding to the interest rate before the due date (sale price in the case of trust), and if the payment date has arrived, the receivable purchase price without the above discount (In the case of a trust, the debt collection fee) is an institution outside the group that pays, and as described later, a factoring company, a trust bank, or the like corresponds to this.
[0016]
In this configuration, for the receivables (including trust receivables) equivalent to the bills transferred from the creditor corresponding to the settlement party, the transfer of the receivables must be approved by the controlling company (including the controlled company in some cases). If it is obtained, settlement with designated dates is performed between the external organization and the supervising company.
[0017]
That is, according to the above configuration, in the data transfer step, the transfer of the credit equivalent to the bill of the creditor with the consent of the supervising company (including the supervised company in some cases) to the above-mentioned external institution is performed. Of the payment details data relating to payments from the controlling company to outside the group company, at least each drawer, each withdrawal date, each settlement destination, and each settlement amount, assuming that the above payment outside the group company is made by bill And data corresponding to each due date are sent by the computer. On the other hand, the computer also notifies the payment details data for each of the settlement destinations outside the group company. By the above processing, even before the settlement date, the settlement destination can receive the receivable purchase price (the sales price in the case of trust) discounted from the external organization at a predetermined discount rate.
[0018]
Then, for each payment date, each of the settlement amounts or the sum of these settlement amounts is output as a transfer instruction to the external institution (for example, an accounting mainframe in a financial institution having a real account of the controlling company). , The computer instructs the transfer to the account of the external institution). In addition, a notice will be sent to an external institution for fund transfer (in order to withdraw a prescribed amount from the above account of the controlling company and transfer it to its own account, the external institution will inform each settlement amount or the sum of these settlement amounts) You may do it.
[0019]
In the data transfer step, among the payment details data, at least data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount, and each due date are transferred to the external institution. It is sufficient that the total settlement amount is output as a transfer instruction to an external institution, but the sorting is troublesome on the external institution side. Alternatively, it may be output as a transfer instruction.
[0020]
With the above processing, settlement with the designated date is performed between the external organization and the supervising company. Thereafter, for each of these settled amounts, the computer uses the above-mentioned computer to perform the loan data between the supervising company and the supervised company. Is updated. In other words, the lending management (lending book management between group companies) is performed for each settled amount between the supervising company and the supervised company constituting the group.
[0021]
By performing the above processing, based on the creditworthiness of the supervising company, the supervised companies belonging to that group are given the same creditworthiness, and withdrawal processing similar to a bill to the outside (in fact, Withdrawal processing using the above bill of exchange) can be executed under the same conditions as the controlling company. As will be described later, the loan management and the credit management between the supervising company and the supervised company are automatically performed, and the supervision company can also automatically perform the cash management of the entire group.
[0022]
In addition to the settlement to an external institution based on the transfer instruction from the supervising company, the settlement can also be performed by making an account transfer contract between the supervising company and the external institution. In such a case, an instruction such as in the case of a transfer is not performed every time, and the transfer is automatically performed (the data necessary for the account transfer in the data transfer step has already been provided to an external institution). Therefore, if settlement by fund transfer is automatically performed for each payment date, a loan data update step for updating the loan data between the controlling company and the controlled company for each settlement amount by fund transfer must be executed. become. That is, the structure of the deposit / withdrawal processing method of claim 2 is as follows.
Since the loan management between the supervising company and the supervised company that constitute the group is performed by the computer, the processing of depositing and withdrawing between these group companies and / or the processing of dispensing outside the group company are controlled by the computer. In the method of processing payments and withdrawals performed by the supervising company on behalf of the company,
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, if the above-mentioned settlement amounts or the sum of these settlement amounts is transferred to the external institution, the loan data between the supervising company and the supervised company for each settlement amount due to the account transfer The data update step to be updated
Is performed by the computer.
[0023]
In order to implement the above scheme, it is essential to understand the settlement destination. Therefore, the above-described processing can be executed only for payment to a settlement destination that has obtained consent to adopt such a scheme. Therefore, a settlement destination master in which the consented settlement destination is registered in the computer, and whether the settlement destination included in the payment details data stored in the computer is registered in the settlement destination master It is preferable to perform the above-mentioned storing step or the subsequent steps when the registration processing is performed after the reconciliation processing is performed (claim 3).
[0024]
Conversely, if the settlement destination included in the payment details data is not registered in the payment destination master (corresponding to the case where the consent has not been obtained from the payment destination), the payment details data is The computer returns the information to the supervised company side, and the supervised company has the settlement destination perform the settlement processing (claim 4).
[0025]
In the transfer instruction step, at least data corresponding to each bill issuer, each transfer date, each settlement destination, each settlement amount, and each payment due date among the payment statement data are the data to be notified. If the data is compiled and compiled for each payment date and settlement destination by the computer (Claim 5), when settlement is made by payment from the controlling company, settlement can be made by lump sum payment. However, it becomes possible to understand each payment destination. Therefore, the cost for all settlements that must be paid on the due date can be collected in one payment. Originally, according to the configuration of the present application, it is possible not only to reduce the bill issuing cost for each case, but also to reduce even the cost of settlement performed instead.
[0026]
At the request of the external institution (such as for office work), the computer edits and summarizes the data for each payment date, settlement destination and issuer as data output in the transfer instruction step. (Claim 6). In particular, if there are several external payment destinations that have a lot of transactions with the supervised company in the group, the target payment is made by transferring the data compiled and compiled for each payment date, payment destination, and issuer It is possible to immediately identify which transaction with the destination (customer) is to be paid (because it has been edited for each issuer), and the paperwork of external institutions and settlement destinations is greatly reduced.
[0027]
One step further, the computer edits each piece of data separately for each payment date, settlement destination and issuer, and uses the data as data output in the data transfer step and / or the transfer instruction step. (Claim 7). If each data (edited separately for each case) is sent for each payment date and further edited one by one for each payment destination, it becomes clear for each transaction what kind of transaction to pay. The paperwork on the settlement side can be further reduced.
[0028]
In the configuration of the present application, since the payment details data is stored in the computer, the computer may create the lending schedule data of the supervising company and / or the supervised company based on the data and make the computer ready to output. (Claim 8). That is, the loan schedule data is created based on the loan amount scheduled to be generated in the future between the supervising company and the supervised company (included in the payment details data). By automatically recording this in the lending schedule in advance, it becomes possible to efficiently manage the future credit balance of each controlling company and / or each controlled company.
[0029]
On the other hand, after the due date, payment by the supervising company or transfer from the account of the supervising company is executed. Data can be created and output ready (claim 9). As a result, the supervising company can manage the lending and borrowing of each supervised company, and conversely, the supervised company can easily grasp the degree of the loan to the supervising company.
[0030]
Further, by registering the payment details data of the supervised company in a computer as described above, the computer can create the funding data of the supervised company and make it possible to output the data (claim 10). As described above, in the configuration of the present application, the loan management between the supervising company and the supervised company is performed by the computer, whereby the processing of depositing and withdrawing between these group companies and / or the processing of dispensing outside the group company are performed. Is performed by the supervising company on behalf of the supervised company, and such a configuration allows bills similar to bills outside the group to be paid. Accordingly, the computer collects payment detail data relating to deposit / withdrawal processing between group companies and / or withdrawal processing outside the group company and further withdrawal processing similar to a bill outside the group company, Since the balance book (management) is performed on the computer, if these scheduled data are sorted in the order of scheduled deposit / withdrawal date, it is possible to predict when and how much deposit / withdrawal will occur, and the prediction result and the account balance of the supervising company will be calculated. By summing up, the future cash flow can be predicted, and it can be output at any time, so that the accounting staff of the supervising company (possibly the supervised company) can always view it.
[0031]
In the structure of claims 8 and 9, the relationship between the supervising company and the supervised company is only reversed in the loan schedule data or the actual loan data. In between, it is sufficient to reverse the loan figures (or to fix the numerical values and show the relationship between the controlling company and the controlled company in reverse).
[0032]
The configurations of claims 11 to 20 define a program that can be executed by the computer in order to cause the computer to execute the method defined in claims 1 to 10.
[0033]
That is, as a configuration for solving the above-described problem, a computer that can execute each of the processes defined in claims 1 to 10 using a configuration of the computer and that can be read and executed by the computer. Disclose about the program. Of course, these configurations may be provided not only as a computer program but also as a configuration of a recording medium storing a program having a similar function (claim 21), as described later. In this case, the computer may be a general-purpose computer including the configuration of the central processing unit, or may include a dedicated machine or the like dedicated to a specific process. There is no particular limitation as long as it is accompanied.
[0034]
When such a program for causing a computer to execute each of the above-described processes is read out by the computer, a process similar to any one of the processes defined in claims 1 to 10 is executed.
[0035]
In addition, by executing this computer program using existing hardware resources, the method of the present invention as a new application can be easily executed on existing hardware. Further, by recording such a computer program on the above-mentioned recording medium, the computer program can be easily distributed and sold as a software product. In addition, the configuration of the recording medium may be an internal storage device such as a RAM or a ROM or an external storage device such as a hard disk, in addition to the above-described format. Needless to say, it is included in the recording medium defined in the present invention.
[0036]
The function of executing some of the processes described in claims 11 to 20 may be a function built into a computer (a function built into a computer as hardware, and (The functions may be realized by an operating system or another application program incorporated in the computer.) The program may include an instruction to call or link a function performed by the computer. good.
[0037]
This is because a part of each processing defined in claims 11 to 20 is substituted by a part of a function achieved by, for example, an operating system, and a program or a module for realizing the function is not included. Although not directly recorded, if some of the functions of the operating system that achieve those functions are called or linked, the configuration is substantially the same.
[0038]
In addition to being used by itself, the program described above can be recorded on a recording medium, distributed or sold, and transmitted by communication or the like, as described later, and can be transferred.
[0039]
Among them, the configuration of claim 11 is a configuration corresponding to the configuration of claim 1, and the specific configuration is as follows:
By performing the loan management between the controlling company and the supervised company that make up the group, the processing of deposits and withdrawals between these group companies and / or the processing of withdrawals outside the group company will be performed by the supervising company instead of the supervised company. A computer program that causes a computer to execute the deposit and withdrawal agency process performed in
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, a transfer instruction step in which each of the settlement amounts or the sum of these settlement amounts is output as a transfer instruction to the external institution,
A loan data update step in which the balance data between the supervising company and the supervised company is updated with respect to each settlement amount by the above transfer;
Is a computer program that causes the computer to execute the above.
[0040]
The configuration of claim 12 is a configuration corresponding to the configuration of claim 2, and the specific configuration is as follows.
By performing the loan management between the controlling company and the supervised company that make up the group, the processing of deposits and withdrawals between these group companies and / or the processing of withdrawals outside the group company will be performed by the supervising company instead of the supervised company. A computer program that causes a computer to execute the deposit and withdrawal agency process performed in
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, if the above-mentioned settlement amounts or the sum of these settlement amounts is transferred to the external institution, the loan data between the supervising company and the supervised company for each settlement amount due to the account transfer The data update step to be updated
Is a computer program that causes the computer to execute the above.
[0041]
The structure of a computer program according to claim 13 corresponds to the structure of claim 3, and specifically, a settlement destination master in which a settlement destination is registered is formed in the computer, and stored in the computer. A matching process is performed to determine whether the settlement destination included in the payment details data is registered in the settlement destination master. If the settlement destination is registered, the process of the storing step or the subsequent steps is performed. It is characterized by doing.
[0042]
The structure of the computer program according to claim 14 corresponds to the structure of claim 4. Specifically, in the matching process, the settlement destination included in the payment details data is registered in the settlement destination master. If not, the payment details data is returned to the supervised company by the computer.
[0043]
The configuration of the computer program according to claim 15 corresponds to the configuration of claim 5. Specifically, the data compiled and compiled for each payment date and each payment destination by the computer is It is characterized by being used as data output in the transfer instruction step.
[0044]
The structure of the computer program according to claim 16 corresponds to the structure of claim 6, and specifically, data compiled and compiled by the computer for each payment date, settlement destination and issuer. Are used as data output in the transfer instruction step.
[0045]
The configuration of the computer program according to claim 17 corresponds to the configuration of claim 7. Specifically, the computer program edits one program for each due date, settlement destination, and issuer. Each of the obtained data is used as data output in the data transfer step and / or the transfer instruction step.
[0046]
The structure of the computer program according to claim 18 corresponds to the structure of claim 8, and specifically, based on payment details data stored in the computer, the computer and the controlling company and / or It is characterized in that lending and borrowing data of the supervised company is created and output is possible.
[0047]
The configuration of the computer program according to claim 19 corresponds to the configuration of claim 9, and specifically, based on the payment details data stored in the computer, the controlling company and / or It is characterized in that lending and borrowing performance data of the supervised company is created and output is possible.
[0048]
The structure of the computer program according to claim 20 corresponds to the structure of claim 10, and specifically, based on the payment details data stored in the computer, the funding data of the controlling company by the computer. Is created and made ready for output.
[0049]
Further, as described above, the configuration of claim 21 defines a computer-readable recording medium storing the computer program according to any one of claims 11 to 20. That is, these computer programs are stored in a recording medium, and can be used as a transaction target or actually executed.
[0050]
The computer that executes the method or the program (or the program read from the recording medium) may have a single configuration (such as a stand-alone computer), but is not limited thereto. It is composed of a plurality of computers (such as a plurality of servers), and the processing performed in each of the steps is executed in a distributed manner (via an appropriate communication configuration if necessary) in those computers. You may make it set in a program.
[0051]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is an overall schematic diagram showing the configuration of the method according to the present invention. Here, the controlling company A and the controlled companies B, C and D. . . (Hereinafter referred to as Group B, Company C, Company D, etc.) is managed by a loan data generation unit 16 provided in the server 1 for a loan master 16a described later. In this way, the server 1 can perform group B company, company C, company D. payment processing between these group companies and payment processing outside the group company (for example, XX trading company described later). . . In place of the controlling company A.
[0052]
For example, in a case where Group B makes a transaction with Group C between the groups and pays the price of 10 million yen to Company C, Company B borrows 10 million yen from the supervising company A and makes a lending master. 16a (reversely, the supervising company A is recorded in the lending master 16a with lending 10 million yen to the company B). 16C (conversely, Company C is posted in lending master 16a with lending 10 million yen to supervising company A). By performing such a loan book management in the loan data generation unit 16 of the server 1, it is assumed that the company B has paid the company C a fee of 10 million yen.
[0053]
In the case where, for example, 10 million yen is paid as a price due to a transaction between the group B company and the non-group ○ trading company, the company B is recorded in the lending master 16a with the managing company A borrowing 10 million yen (inversely, the supervising company Company A rents 10 million yen to Company B and enters it in lending master 16a.) Further, controlling company A transfers 10 million yen to XX Corporation from company account of the bank, and company B Transfer instead. At this time, as a matter of course, ○ × Shoji acknowledges that this transfer has been made by the controlling company A on behalf of the company B.
[0054]
As described above, by performing the loan management between the groups in the server 1, the payment operation can be efficiently performed between the group companies without actually transferring the funds, and therefore, the commission and the fee associated with the payment operation can be improved. The amount of paperwork can be reduced.
[0055]
In this embodiment, there is shown a configuration in which the payment outside the group company is made by a method similar to a bill of exchange. In other words, in this configuration, payment can be made with a virtual bill of exchange, and upon acceptance of the transfer of the claim for the virtual bill at that time, a factoring company F (or trust bank T), which will be described later, which is an external institution, has the above-mentioned configuration. The settlement amount is paid to the settlement party (if it is before the due date, the discounted amount is paid), and at the due date, the controlling company A transfers the bill settlement amount to the factoring company F (or the trust bank T) (or account transfer). ) Is premised on the recognition of a payment framework (payment framework).
[0056]
As will be described later, when a business partner (settlement destination) has previously approved such a payment framework, the business partner is registered in the business partner master 12a, and the master 12a is checked each time a transaction is made. Alone, it is deemed that such an understanding has been made, and the process proceeds to the next process. In the configuration of the present embodiment, an acknowledgment is not attached from the supplier for each transaction. That is, as described above, if the business partner approves that all the companies in the group use the proxy payment by the controlling company A, the supplier can perform the proxy payment by the controlling company A of all the companies in the group. It is registered in advance in the supplier master 12a as a suitable supplier. If the settlement destination is not registered in the master, the proxy payment request is returned to the supervised company (that is, the supervised company must pay by itself when the due date comes).
[0057]
However, the present invention is not limited to this, and if the business partner (settlement destination) permits only the specific company of the group to use the proxy payment by the supervising company A, the agent of the supervising company A can only perform the surrogate payment by the specific company of the group. It can be registered in the supplier master 12a in advance as a payable supplier (settlement destination). Therefore, even if a company in the group other than those permitted by the above-mentioned business partner (settlement destination) requests that the company in the group use substitute payment by the supervising company A (the specific procedure in that case is that the group company The name of the company and the name of the business partner are clarified in the bill of exchange statement data and the data is sent to the server 1). Such processing becomes inconsistent with the determination by the business partner matching unit 12, as described later. Then, the bill of exchange payment data is returned to the group company, so that the controlling company A cannot perform proxy payment.
[0058]
In the configuration of the present embodiment, the companies B and C, etc., make transactions with external trading partners XX (which will be described later as the settlement destination Z) and ■■ parts, and the present invention is applied to the settlement. FIG. 1 shows a configuration in a case where payment is performed by a method similar to a bill of exchange according to such a deposit and withdrawal proxy processing method, and FIG. 1 shows a computer of another institution according to the processing flow of the server 1 shown in FIGS. It shows what processing is performed as a whole in cooperation with. Further, FIG. 9 shows the controlling company A, the factoring company F, and the XX trading (hereinafter referred to as the settlement destination) that have previously agreed with the settlement method according to this method and are registered in the supplier master 12a described later. FIG. 7 is an explanatory diagram that extracts and describes only the flow of processing between Z (referred to as Z).
[0059]
In this configuration, first, when a business partner outside the group transacts with a company within the group, all or some of the companies within the group must fulfill the obligations to the business partner by the company within the group. Upon issuance of the bill of exchange, the supervising company A takes over the payment processing similar to the bill of exchange due to the loan management processing of the server 1. Is registered in the supplier master 12a.
[0060]
As shown in FIG. 9, (1) the receivable Z possesses the receivables of the controlling company A (as described above, in actuality, the performance of the obligations for the receivables is the issue of the note to be paid by Group B as it should be). Is transferred to the factoring company F, and the controlling company A takes over and performs payment processing similar to the bill of exchange, and it is assumed that the settlement party Z has accepted such a mechanism). ▼ It is assumed that the controlling company A has been notified of the transfer of the receivables through the factoring company F, and that the controlling company A having received the notification has given consent to the notification. Then, the receivables from the controlling company A are owned by the factoring company F. In such a state, as described later, (4) the payment notice data is sent in advance from the controlling company A to the settlement destination Z, and (5) the settlement destination Z is notified to the factoring company F by Even before the payment date fixed to fulfill the obligation, the request for payment of the receivables purchase price discounted at a discount rate corresponding to the interest rate before the payment date can be requested, and the factoring company F becomes the controlling company. The discounted price is paid to the settlement destination Z based on the evaluation (credit) of the solvency of A. The factoring company F receives payment of the above-mentioned receivables from the supervising company A at the arrival of the above-mentioned date (transfer or account transfer, etc.), so that the above-mentioned discount amount is obtained as a profit.
[0061]
In order to explain the flow of such processing, the processing of the method of the present invention centering on the server 1 will be described below with reference to FIGS. 1 and 2 to 7.
[0062]
As shown in FIG. 1, the supervising company A communicates with the server 1, the group B and the company C, and the settlement destination Z, which is a business partner, communicates with each terminal. Each server is provided with a server for exchanging a transfer instruction and a transfer notice with a server provided at the bank X of the factoring company. Further, the controlling company A has its trading bank V, the factoring company F has its trading bank X, and the settlement destination Z has its trading bank Y. The notification is performed by a server provided for each.
[0063]
As shown in FIGS. 2 to 8, the server 1 includes a control unit 10 that controls the entire server 1 and controls processing according to the present invention, and a communication unit 11 that transmits and receives data to and from the outside. When the specified date is reached from the group B, company C, or the like, the payment note statement data to be entered to make a payment to an external business partner and have the controlling company A take over the payment. A supplier matching unit 12 that determines whether or not the supplier included in the data is a supplier (settlement destination) that has agreed to the proxy payment method according to the present invention, Supplier master 12a for registering a business partner who has given the above-mentioned consent in order to perform a suitable matching process, and payment statement data generation for automatically creating payment statement data to be described later based on the bill of exchange statement data Part 13 and created Payment master 13a that stores the payment details data that has been stored, and a payment that automatically creates a payment notice based on the payment details data so that the settlement destination Z can receive the discounted purchase price of the receivables. The notice generator 14, the notice master 14 a for storing the data of the created payment notice, and the due date management by the control unit 10, transfer the transfer data to the factoring company F based on the payment details data. A transfer data generation unit 15 that automatically creates the payment date before the payment date arrives, a transfer master 15a that stores the created transfer data, and the transfer data is output to the house bank V, or between groups. Is performed in the balance book (loan management) to the server 1 mainly by the supervising company A (automatic creation of the loan result data) and at the time before the creation of the loan result data. A lending data generation unit 16 that can create future lending schedule data between the controlling company A and the group B companies, C companies, D companies, etc., and a lending master 16a that stores these created data. have.
[0064]
In addition, there is provided a funding data generation unit 17 for predicting the funding required by the supervising company A in the future by performing the depositing and withdrawing processing for the entire group including such payment agency processing.
[0065]
Group B company trades with XX trading outside the group, that is, with the settlement destination Z, and the company B makes an agreement with the settlement destination Z to fulfill a contract similar to a note payable for the transaction after a predetermined period. It is assumed that the settlement company Z has already accepted such substitute payment by registering it in the supplier master 12a.
[0066]
As shown in FIG. 11 (a), the terminal operator of Group B company that has made the above transaction inputs the bill of exchange statement data to his / her own terminal. In the same figure, the company B added 10 million yen and 30 million yen to the ○ Corporation as well as to the ■■ parts, with the withdrawal date of April 1, 2002 and the payment date of May 31, 2002, respectively. And pays the bill of exchange statement data to his / her own terminal. Group C also pays 50 million yen to XX Trading on April 1, 2002 and on May 31, 2002, as shown in FIG. You have entered your statement data into your terminal. Needless to say, the names of the drawers of the group companies B and C are written in these bills of payment detailed statement data.
[0067]
Such bills of payment data are input from these terminals to the server 1 of the supervising company A as shown in FIG. These data are sent to the control unit 10 by the communication unit 11 of the server 1 that has received the data, and then transferred to the supplier matching unit 12. At this time, the controller 10 obtains the due date from the bill of payment details data, registers the due date in a working area (not shown) such as the RAM of the server 1, and manages the due date.
[0068]
The supplier matching unit 12 checks whether the supplier included in the bill of exchange statement data (the supplier name in FIG. 11 and the supplier is the settlement destination for settlement) is in the supplier master 12a. A matching process is performed to determine whether or not there is no match. At this time, if the specific business partner has approved the settlement method similar to the bill of exchange described above for the entire group company, the business partner is naturally registered in the business partner master 12a, so that the business partner master 12a It will be matched as a certain business partner. On the other hand, even in the case of a company within the same group, if such a settlement method is not permitted by the partner of the other party, it is processed as unmatchable. That is, the matching process is also performed for each issuer name (each group company name) included in the bill of exchange note data, and even if the other companies in the group are registered transactions, However, if the customer does not permit a settlement method similar to the above bill of exchange in a transaction with a particular company in the group, the customer is registered in the customer master 12a with that particular company. Is handled as not having been matched, and matching becomes impossible as described above.
[0069]
In this matching process, if the business partner (settlement destination) included in the above data is not in the business partner master 12a, the business partner will perform the payment agency process (payment) by the controlling company A on the (bill) drawer as described above. As shown in FIG. 3, the data is returned to the group company that has input the data by the business partner matching unit 12 and the control unit 10, assuming that the business partner does not agree with the bill settlement process. Will be. In that case, the payment is made directly by the group company that has made a transaction with the settlement destination.
[0070]
Conversely, if the matching with the business partner in the business partner master 12a is performed in the above matching process (when it is determined that the business partner is authorized to perform the payment agency process as described above), FIG. As shown, the supplier matching unit 12 informs the control unit 10 that the matching has been performed, and in accordance with the notification, the control unit 10 outputs to the payment detail data generation unit 13 an instruction to automatically create payment detail data. . In accordance with this instruction, the payment details data generation unit 13 generates payment details data based on the bill of exchange details data and stores it in the payment details master 13a.
[0071]
At this time, when the data stored in the payment details master 13a is displayed on the screen at the terminal of the group B company, as shown in FIG.
[0072]
Due to the due date management executed by the control unit 10, an alert is issued to the operator of the server 1. On the basis of this, the operator issues an instruction to the control unit 10, and the data stored in the payment details master 13a is read out, and as shown in FIG. Each time, restructuring processing of payment details data is performed.
[0073]
When the operator clicks a transmission button (a transmission button at the lower right of FIG. 13), the communication unit 11 is controlled by the control unit 10 as shown in FIGS. 1, 4, and 9 ((3) in FIG. 13). Via the server 1, the factoring company F is notified of the payment details data.
[0074]
At this time, when the data stored in the payment details master 13a is displayed on the screen of the terminal of the group B company, the status for the xx trading company is changed from the status "reception" to "the payment details data for the factoring company has been created." Has been changed to.
[0075]
When the above processing is completed, the control unit 10 issues an instruction to the payment notice generation unit 14 as shown in FIG. 5 and, based on the payment details data, gives a payment notice for each settlement destination (business partner). Data is created and stored in the notification letter master 14a. At this time, the payment notice for each settlement destination is displayed to the operator of the server 1 as shown in FIG. When the operator clicks a transmission button [a transmission button at the lower right of FIG. 14 (a)] here, as shown in FIG. 1, FIG. 5 and FIG. Payment notification data is notified from the server 1 to the settlement destination Z via the communication unit 11.
[0076]
When the above processing is completed, as shown in FIG. 5, the control unit 10 updates the status of each transaction data for each applicable settlement destination in the payment details data of each group company in the payment details master 13a, As shown in FIG. 14 (b), the status changes to “preparation of notification details to settlement destination”.
[0077]
At this stage, as shown in FIG. 9, (5) the settlement destination Z provides the factoring company F with a discount rate corresponding to the interest rate before the due date even before the due date determined to fulfill the above obligation. The payment of the discounted loan purchase price can be requested, and the factoring company F pays the discounted price to the settlement destination Z based on the evaluation (credit) of the controlling company A's ability to pay. Of course, at this stage, even if there is no payment from the controlling company A to the factoring company F, it is possible to give and receive the discount price.
[0078]
Further, the payment date in the payment details data is managed by the control unit 10, and one to several days before the payment date arrives, the control unit 10 instructs the transfer data generation unit 15 as shown in FIG. Is issued, and the transfer data is automatically created based on the payment details data scheduled to arrive at the due date, and stored in the transfer master 15a.
[0079]
When the transfer data is read out by the control unit 10, the control unit 10 provides the same settlement destination (supplier name) for each due date as in the case of outputting the payment details data. Collectively, one case [in this case, as shown in FIG. 15 (a), it becomes easier to understand together how much it will name the drawer companies in the group], (2) Same for each due date For each settlement company for each issuer company in the group, one transaction (when there are many transactions with the same settlement company, each of these transaction details are summarized in one document and the (3) As shown in FIGS. 16 (a) and 16 (b), each case is different for each due date, settlement destination, and issuer (factoring company F is When you pay the settlement destination Z after discounting the receivable purchase price To, work becomes easy scrubbing of the factoring company F), it reconstructed.
[0080]
When the above processing is completed, as shown in FIG. 6, the control unit 10 updates the status of each transaction data for each applicable settlement destination in the payment details data of each group company in the payment details master 13a, As shown in FIG. 15B, the status changes to “transfer completed”.
[0081]
Further, the transfer data is output through the communication unit 11 to the bank V of the controlling company A together with the transfer instruction as shown in FIGS. 1, 6, and 9 (FIG. 7).
[0082]
After the above processing, as shown in FIG. 7, the control unit 10 issues an instruction to the loan data generation unit 16, and with respect to each settlement amount due to the transfer, the controlling company A and the group registered in the loan master 16a. The loan data between the companies B is updated.
[0083]
In the loan data update process, as shown in FIG. 17, the status of the payment detail data of the group B company changes to “finished and lent”.
[0084]
As shown in FIG. 9, the transfer bank V receiving the transfer instruction performs a transfer process to the bank X of the factoring company F based on (7) the transfer data. When this transfer processing is performed, (7) ', the above-mentioned house bank X notifies the factoring company F of the transfer payment.
[0085]
It should be noted that the settlement can be performed by the account transfer process by making a fund transfer contract between the controlling company A and the factoring company F. In such a case, instructions such as in the case of a transfer are not provided one by one, and the data required for account transfer in the notification processing of the payment details data in the above (3) has already been provided to the factoring company F, so based on the data, As indicated by the broken line in (7) of FIG. 9, the factoring company F requests the bank X to transfer the bank account, performs the bank account transfer between the banks V and X, and then performs the bank transfer from the bank X (7). The factoring company F is notified of the result of the fund transfer.
[0086]
Further, in the case where the settlement by the account transfer is automatically performed for each payment date as described above, the balance data between the supervising company A and the group B company recorded in the balance master 16a for each settlement amount by the account transfer as it is. Is automatically updated.
[0087]
FIGS. 18 (a) and 18 (b) show the status of the lending record data updated by the lending master 16a of the server 1 in the server 1 [FIG. 13 (a)] and the group B company terminal [FIG. This shows the displayed state. As shown in the figure, it can be seen that the lending amount and the borrowing amount are exactly reversed between the controlling company A and the group B company.
[0088]
In the present configuration, as described above, the payment (bill) statement data is input to the server 1 so that the lending data generation unit 16 allows the lending and borrowing of the lending master 16a even before such a settlement date has arrived. Based on the actual data and the payment details data in the payment details master 13a, the scheduled loan data can be calculated as shown in FIG. FIG. 4A shows a display screen of the lending schedule data for the group B company indicated by the operator of the supervising company A, and FIG. 7B shows the leasing schedule data for the supervising company A indicated by the operator of the group B company. Are shown on the display screen. This also shows that the amount of loan and the amount of borrowing between the controlling company A and the group B are exactly opposite.
[0089]
Further, as shown in FIG. 8, when an instruction is issued to the cash-financing data generation unit 17 according to an instruction of the operator of the supervising company A, the future supervising company A is based on the data of the loan master 16a and the payment detail master 13a. The required funding schedule can be determined, and the determined funding schedule data is displayed to the operator or the like via the control unit 10 via the CRT of the server 1 or the like. FIG. 20 shows an output example of such funding schedule data of the supervising company A. On May 31, 2002, there is a plan to pay 60 million yen for the entire group. This is due to the payment made by Group B company to XX Trading Corporation in FIG. 11 (a) and the group shown in FIG. 11 (b). This is the same as the total amount of payments made by Company C to XX.
[0090]
In the above embodiment, when the transaction price is paid by the bill-like payment method according to the present invention, the receivable is purchased by the factoring company F, and the settlement destination Z receives the payment before the due date. (Except for the interest rate until payment is due) is explained. However, such a payment framework is not limited to the case where the factoring company F is used. For example, as shown in FIG. 10, a case where the trust transfer from the settlement destination Z to the trust bank T is approved by the supervising company A is performed. However, similar processing is possible. The transfer of receivables in FIG. 9 (1) corresponds to the transfer of trust in (1) of FIG. 10, the notification (2) of transfer of receivables and acceptance of FIG. 9 corresponds to the notification (2) of transfer of trust in FIG. 5) (Receivables) The discount request is replaced by the (5) discount payment request shown in FIG. 10, but the actual transactions between the three parties are almost the same.
[0091]
When the counterparty of the settlement party Z is the trust bank T, the receivables of the settlement company Z with respect to the controlling company A are transferred to the trust bank T, and the collection of the receivables is trusted (the settlement party Z is a trust beneficiary right). Will be held). However, if the settlement destination Z needs funds before the due date, the trust beneficiary right is requested to the trust bank T and sold to the investor, and a corresponding discounted amount is received. The trust bank T will receive payment from the controlling company A upon the expiration of the due date, and will redeem the principal and pay the profit to the investor who has purchased the beneficiary right.
[0092]
Originally, the settlement method based on the drawing of a bill often cannot be performed without the trust of the drawer (the above-mentioned group B company, C company, D company, etc.). However, according to the configuration of this embodiment described in detail above, on the basis of the creditworthiness of the controlling company A, the same creditworthiness is given to the above-mentioned groups B, C, and D belonging to the group. Withdrawal processing similar to a bill to an external business partner (withdrawal processing using a practical bill payable) can be executed under the same conditions as the controlling company A.
[0093]
In addition, since the controlling company A executes the future payment, if the cashing data is managed in the above configuration, it is possible to request the borrowing of necessary funds to the outside based on the creditworthiness of the controlling company A. You won't have to worry about it. In addition, the loan management and credit management between the controlling company A and the controlled companies, such as the companies B and C, can be automatically performed. In addition, the financing management of the entire group by the controlling company A can be automatically performed. Will be able to
[0094]
Of course, it is possible for the business partner (settlement destination Z) to receive the purchase price of the receivables discounted at a predetermined discount rate before the due date to the factoring company F based on the creditworthiness of the controlling company A. Even if the payment made in a transaction with a company in the group is made in the payment process similar to the bill of exchange, the payment can be surely collected. In order to be able to receive the receivable purchase price in a state where the settlement destination Z is discounted, as shown in FIG. It goes without saying that notification of the payment details data and output of (4) payment notification data from the controlling company A to the settlement destination Z are required at a minimum.
[0095]
According to the configuration of the present embodiment, withdrawal processing outside the group company on the premise of settlement performed by transfer or transfer processing performed only with the loan book (loan management by computer) is similar to bills outside the group company. Since the present invention can be applied to the processing of money, a bill reduction scheme is realized, and the following processing is automatically performed, so that the affairs of the entire group can be made more efficient.
(1) The supervising company collectively transfers payment detail data of a plurality of group companies to the factoring company.
(2) The supervising company collectively notifies the supplier of payment notification data of a plurality of group companies.
(3) The managing company collectively settles the debts of a plurality of group companies to the factoring company.
(4) Supervising company: Automatically manages the loan between group companies (planned / actual) and credit management.
(5) Automatically manage the cash flow of the controlling company.
[0096]
It should be noted that the deposit / withdrawal processing method of the present invention is not limited to the above-described embodiment, and it is needless to say that various changes can be made without departing from the gist of the present invention.
[0097]
【The invention's effect】
As described above, according to the deposit / withdrawal processing method, the computer program, and the recording medium according to claims 1 to 21 of the present invention, it is possible to set a group within a group based on the creditworthiness of a controlling company constituting the group. Gives creditworthiness to affiliated companies that belong to the same group, and allows for withdrawal processing similar to external bills (withdrawal processing using actual bills to be paid) under the same conditions as the supervising company. At the same time, there can be provided an excellent effect that the loan management and the credit management between the supervising company and the supervised company can be automatically performed, and the supervision company can also automatically perform the cash management of the entire group.
[0098]
Moreover, since the managing company will make future payments, managing the cashing data of the managing company between the groups will allow the external company to request the borrowing of necessary funds based on the creditworthiness of the managing company. Companies in the group and the controlling company will not have to worry about bankruptcy.
[0099]
Of course, it is possible for the business partner to receive the discounted price at the specified discount rate before the due date to the above-mentioned external organization based on the creditworthiness of the controlling company, Even if the payment for the payment is made in the payment processing similar to the bill of payment, the payment can be surely collected.
[Brief description of the drawings]
FIG. 1 is a schematic diagram of the configuration of the method of the present invention.
FIG. 2 is a configuration explanatory diagram showing a state of processing in a server 1 when a supplier matching processing is performed.
FIG. 3 is a configuration explanatory diagram showing a state of processing when matching cannot be performed in the matching processing;
FIG. 4 is a configuration explanatory diagram showing a state of processing when payment details data is generated and output.
FIG. 5 is a configuration explanatory view showing a state of processing when payment notification data is generated and output.
FIG. 6 is a configuration explanatory diagram showing a state of processing when transfer data is generated and output.
FIG. 7 is a configuration explanatory diagram showing a state of a process when a loan data update process is performed;
FIG. 8 is a configuration explanatory diagram showing a state of processing when generation and output of funding data are performed.
FIG. 9 is an explanatory diagram illustrating a flow of processing among a supervising company A, a factoring company F, and a settlement destination Z.
FIG. 10 is an explanatory diagram illustrating a flow of processing among a controlling company A, a trust bank T, and a settlement destination Z.
FIG. 11 is an explanatory diagram showing a screen configuration in a state where bills of payment detail data at companies B and C are input.
FIG. 12 is a configuration explanatory diagram showing a state of the group B company terminal screen when a supplier is matched in the supplier matching process.
FIG. 13 is a display screen configuration shown to an operator on the server 1 side before outputting payment details data.
FIG. 14 shows a display screen shown to the operator on the server 1 side before payment notification data transmission and a terminal display screen configuration of the company B on the issuer side.
FIG. 15 shows an operator display screen on the server 1 side and a terminal display screen of the company B on the issuer side of transfer data in a state where the issuer is named for each payment date and settlement destination.
FIG. 16 is an operator display screen configuration of the server 1 side of each transfer data in a state of being different for each payment date, settlement destination, and issuer.
FIG. 17 is an explanatory diagram showing a state of a group B company terminal screen showing a status state when the loan data between the supervising company A and the group company is updated after payment of the settlement amount.
FIG. 18 is an explanatory diagram showing a screen display state of the server 1 screen of the supervising company A and a screen display state of the group B company with respect to the loan result data after the update of the loan data.
FIG. 19 is an explanatory diagram showing a state in which the scheduled lending data is calculated and output on the screen of the server 1 of the supervising company A and a state output on the terminal screen of the group B company.
FIG. 20 is an explanatory diagram showing an output screen configuration when the server 1 calculates future funding data of the supervising company A.
[Explanation of symbols]
1 server
10 control unit
11 Communication unit
12 Business Partner Matching Department
12a Customer master
13 Payment details data generation unit
13a Payment item master
14 Payment notice generator
14a Notice letter master
15 Transfer data generator
15a Transfer master
16 Loan data generator
16a loan master
17 Funding data generator
A Supervisory company
B, C, D Supervised company (company within the group)
F factoring company
T Trust Bank
V, X, Y house bank
Z payment destination

Claims (21)

Since the loan management between the supervising company and the supervised company that constitute the group is performed by the computer, the processing of depositing and withdrawing between these group companies and / or the processing of dispensing outside the group company are controlled by the computer. In the method of processing payments and withdrawals performed by the supervising company on behalf of the company,
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, a transfer instruction step in which each of the settlement amounts or the sum of these settlement amounts is output as a transfer instruction to the external institution,
And a loan data updating step of updating the loan data between the supervising company and the supervised company with respect to each settlement amount by the transfer by the computer. Since the loan management between the supervising company and the supervised company that constitute the group is performed by the computer, the processing of depositing and withdrawing between these group companies and / or the processing of dispensing outside the group company are controlled by the computer. In the method of processing payments and withdrawals performed by the supervising company on behalf of the company,
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, if the above-mentioned settlement amounts or the sum of these settlement amounts is transferred to the external institution, the loan data between the supervising company and the supervised company for each settlement amount due to the account transfer A deposit / withdrawal processing method, wherein the updated loan / borrowing data updating step is performed by the computer. A settlement destination master in which a settlement destination is registered is configured in the computer, and a matching process is performed to determine whether a settlement destination included in the payment details data stored in the computer is registered in the settlement destination master. 3. The deposit / withdrawal processing method according to claim 1, wherein the processing of the storing step or subsequent steps is performed when registered. In the reconciliation process, if the settlement destination included in the payment details data is not registered in the settlement destination master, the payment details data is returned to the supervised company by the computer. Item 3. A deposit / withdrawal agent processing method according to item 3. The data compiled and compiled for each payment date and settlement destination by the computer is used as data output in the transfer instruction step. Deposit and withdrawal agency processing method. 5. The computer according to claim 1, wherein data compiled and compiled for each payment date, settlement destination, and payer is used as data output in the transfer instruction step. 6. One of the deposit and withdrawal processing methods described above. 2. The computer according to claim 1, wherein each data edited one by one for each payment date, settlement destination and issuer is used as data output in the data transfer step and / or the transfer instruction step. The deposit / withdrawal proxy processing method according to claim 1. 2. The computer according to claim 1, wherein said computer prepares the scheduled loan data of the supervising company and / or the supervised company based on the payment details data stored in said computer. 7. The deposit / withdrawal proxy processing method according to any one of 7. 2. The computer according to claim 1, wherein said computer creates and outputs loan performance data of the supervising company and / or the supervised company based on the payment details data stored in said computer. 7. The deposit / withdrawal proxy processing method according to any one of 7. 10. The deposit / withdrawal agent processing method according to claim 9, wherein the computer generates funding data of the supervising company based on the payment details data stored in the computer, and puts the data into an outputable state. By performing the loan management between the controlling company and the supervised company that make up the group, the processing of deposits and withdrawals between these group companies and / or the processing of withdrawals outside the group company will be performed by the supervising company instead of the supervised company. A computer program that causes a computer to execute the deposit and withdrawal agency process performed in
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, a transfer instruction step in which each of the settlement amounts or the sum of these settlement amounts is output as a transfer instruction to the external institution,
A computer program for causing the computer to execute a loan data update step of updating the loan data between the supervising company and the supervised company for each settlement amount by the transfer. By performing the loan management between the controlling company and the supervised company that make up the group, the processing of deposits and withdrawals between these group companies and / or the processing of withdrawals outside the group company will be performed by the supervising company instead of the supervised company. A computer program that causes a computer to execute the deposit and withdrawal agency process performed in
A payment step in which payment details data relating to payment from the supervised company to outside the group company is stored in the computer;
Of the above payment details data, at least the data corresponding to each bill issuer, each withdrawal date, each settlement destination, each settlement amount and each payment date, assuming that the payment outside the group company is made by bill, A data transfer step sent by the computer to an external organization that performs settlement processing for the settlement destination in response to the consent to transfer the claims of these virtual bills;
A settlement destination notification step in which the payment notification data is notified for each settlement destination outside the group company;
For each payment date, if the above-mentioned settlement amounts or the sum of these settlement amounts is transferred to the external institution, the loan data between the supervising company and the supervised company for each settlement amount due to the account transfer A computer program for causing the computer to execute a loan data update step to be updated. A settlement destination master in which a settlement destination is registered is configured in the computer, and a matching process is performed to determine whether a settlement destination included in the payment details data stored in the computer is registered in the settlement destination master. 13. The computer program according to claim 11, wherein, if registered, the storage step or the subsequent steps are performed. In the reconciliation process, if the settlement destination included in the payment details data is not registered in the settlement destination master, the payment details data is returned to the supervised company by the computer. Item 14. The computer program according to Item 13. 15. The computer according to claim 11, wherein data compiled and compiled for each payment date and settlement destination by the computer is used as data output in the transfer instruction step. Computer programs. 15. The computer according to claim 11, wherein data compiled and compiled for each payment date, settlement destination, and payer is used as data output in the transfer instruction step. 16. Computer program according to any one of the above. 12. The computer according to claim 11, wherein each data edited one by one for each payment date, settlement destination and issuer is used as data output in the data transfer step and / or the transfer instruction step. A computer program according to claim 14. 11. The computer according to claim 11, wherein said computer prepares loan schedule data of the supervising company and / or the supervised company based on the payment details data stored in said computer. 17. The computer program according to any one of 17. 11. The computer according to claim 11, wherein the computer creates, based on the payment details data stored in the computer, loan data of the supervising company and / or the supervised company, and puts the data into an outputable state. 17. The computer program according to any one of 17. 20. The computer program according to claim 19, wherein, based on the payment details data stored in the computer, the funding data of the supervising company is created by the computer, and the computer is made ready for output. A computer-readable recording medium storing the computer program according to any one of claims 11 to 20.

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