JP2004118349A

JP2004118349A - Debt collection management method, debt collection management system, computer program and recording medium

Info

Publication number: JP2004118349A
Application number: JP2002277929A
Authority: JP
Inventors: Satoshi Soeda; 添田　聡; Akiko Fukuyama; 福山　明子
Original assignee: Bank of Tokyo Mitsubishi Ltd
Current assignee: MUFG Bank Ltd
Priority date: 2002-09-24
Filing date: 2002-09-24
Publication date: 2004-04-15

Abstract

<P>PROBLEM TO BE SOLVED: To provide a debt collection management system that can reduce jobs for bill collection and collation by a financial institution dealing with an export company. <P>SOLUTION: A server 100 comprises an arithmetic control part 10 functioning as an REF number issuance part 11, a notification part 12, a collation processing part 13, an updating part 14, a computation part 15 and an output part 16 when a program read in is executed by a CPU of the server 100; a data storage part 20 constituted of a hard disk drive of the server 100; a temporary data storage part 22 constituted of an RAM, the hard disk drive or the like of the server; and a communication part 30 for establishing communication with the outside by a given protocol to execute data input, output, storage, deletion, updating and the like. <P>COPYRIGHT: (C)2004,JPO

Description

【０００１】
【発明の属する技術分野】
本発明は、債権回収管理方法、債権回収管理システム、コンピュータ・プログラム及び記録媒体に関する。
【０００２】
【従来の技術】
商品の輸出入などに関しては、例えば輸出側の企業の営業部門などが、商品の受注を受け（必要であれば契約書を取り交わし）、輸入企業側の信用状発行の通知を受けてから、輸出に必要な種々の書類（船荷証券Ｂ／Ｌなどを含む；以下船積書類など）の作成・収集をなし、対象となる商品の輸出を行う。それと共に発注者である輸入企業に対し、インボイスを作成して送る。
【０００３】
そしてこの場合、輸出企業による代金の回収方法は２つに大別される。まず輸出企業の荷為替手形の買取で処理がなされる場合がある。即ち、該輸出企業と取引のある買取銀行に対し、これら輸出物に対して発行した荷為替手形を、上記船積書類と共に買い取ってもらう。それによって輸出企業は、手形代り金を受け、一応債権の回収ができ、該債権の消し込み作業が行えることになる。
【０００４】
また上記荷為替手形を買い取った買取銀行は、輸入企業側と取引のある上記信用状発行銀行（補償銀行）に、上記荷為替手形を呈示して、該手形に相当する代金の支払いを求める。この求めに応じて、輸入企業側の信用状発行銀行（補償銀行）は、上記船積書類の受け取りと引き替えに、上記輸出企業側の買取銀行に対し、上記回収代金を支払う。この代金を受けることで初めて上記買取銀行は、上記荷為替手形の買取代金の消し込み作業が行えるようになる。
【０００５】
一方上記信用状発行銀行（補償銀行）は、輸入企業に対し、上記荷為替手形を呈示して、代金の支払いを求める。
【０００６】
その代金の支払いがあった場合、信用状発行銀行（補償銀行）は、輸入企業に対し、受け取った上記船積書類を渡す。それによって初めて輸入企業は、その中に含まれる船荷証券を船会社に提示して、貨物として運送された上記商品を受け取ることができるようになる。
【０００７】
以上が買取による代金の回収方法である。それに対し、輸出企業と取引のある銀行が輸入企業と取引のある銀行に依頼し、該輸出企業に代わって、輸入企業に代金の取り立てを行ってもらうケースもある。
【０００８】
【発明が解決しようとする課題】
しかし、上記買取による代金の回収方法では、上記輸出企業側の買取銀行にとって、買取対象となる荷為替手形の数が多くなればなるほど、各信用状発行銀行（補償銀行）に対しての支払い請求件数が多くなり、時間を経て入金された代金は、いったいどの荷為替手形に対する代金なのかを確認する突き合わせ作業が非常に煩雑になる。
【０００９】
また輸入企業の代金の支払いに不足が生じていたり、或いは支払期日より遅延して入金がされた場合には、不足額の督促を行ったり、遅延利息の支払いを求めなければならないが、上記のような作業の繁雑さをさらに増長することになる。これは、銀行が輸出企業に代わって代金の取り立てを行う場合も同様である。
【００１０】
加えて万が一輸入企業側がその支払いを拒んだり、代金引受分の決済を拒んだりした場合、信用状発行銀行（補償銀行）は、買取銀行に対する代金の支払いができず、結局買取銀行は荷為替手形の代金回収ができなくなるので、買取元の輸出企業にその代金分の求償を行わなければならない。上記のような繁雑な作業の中でそのような代金回収に関する焦げ付きがあると、買取銀行側の作業負荷は、より大変なものとなる。
【００１１】
本発明は以上のような実情に鑑み創案されたもので、輸出企業側と取引のある金融機関側の上記代金回収や突き合わせ作業に伴う諸作業の軽減が図れる債権回収管理方法を提供せんとするものである。併せてそのような方法を達成できる債権回収管理システム、コンピュータ・プログラム及び記録媒体に関しても、同じく提案するものである。
【００１２】
【課題を解決するための手段】
本発明に係る債権回収管理方法は、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、格納されている上記取引情報に関し決済が終了した旨の更新処理が、該演算制御手段によりなされるステップと
を実行することを基本的特徴としている。
【００１３】
上記構成によれば、１つのコンピュータに対し、荷為替手形に対応するインボイスデータ及び決済情報が集められ、これらの情報中には、取引情報の取り込み時に該コンピュータにより発行された顧客ＲＥＦ番号（各取引毎にユニークな番号が良い）が含まれているため、該顧客ＲＥＦ番号を基に突合処理が行われ、自動的に消し込み作業までが行えるようになる。
【００１４】
このような構成が実施できる前提として、ＳＷＩＦＴデータ中にＲＥＦ番号フィールドがあるため、インボイスデータ中に含まれて送られることになる上記顧客ＲＥＦ番号は、支払又は引受分の決済を行うべき取引先側の取引金融機関のコンピュータにおいて、ＳＷＩＦＴデータに自動的に引き継がれて、荷為替手形の買取を行った金融機関側又は荷為替手形に基づいて取立を行った金融機関側のコンピュータに、ＳＷＩＦＴデータの転送と共に伝えられることになる。従って上記のように、金融機関側のコンピュータから送られる決済情報中には、上記顧客ＲＥＦ番号が含まれることになる。
【００１５】
尚、上記取引情報には、上述のように、インボイスデータ、支払条件等を含む契約情報及び取引先情報が含まれるが、インボイスデータ中に、そのような契約情報を含む場合もあるので、その場合は取引情報には、インボイスデータ及び取引先情報が含まれるということになる。
【００１６】
請求項２の債権回収管理方法の構成は、取引先側の代金の支払いが遅延した場合の本構成における処理を規定しており、基本的には、決済情報との突合処理がなされ、支払期日が遅延したと判断される場合に、契約情報に含まれる支払条件中の遅延支払利息データに基づいて、遅延支払利息が算出され、取引情報の取引先情報に含まれる取引先アドレスに対し、遅延支払利息の支払督促状が出力されることになる。すなわちより具体的な構成としては、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、支払期日が遅延したと判断される場合は、契約情報に含まれる支払条件中の遅延支払利息データに基づいて、上記演算制御手段により、遅延支払利息が算出され、上記取引情報の取引先情報に含まれる取引先アドレスに対し、上記コンピュータから遅延支払利息の支払督促状が出力されるステップと
を実行することを特徴としている。
【００１７】
請求項３の債権回収管理方法の構成は、取引先側の代金の支払いに不足がある場合の本構成における処理を規定しており、基本的には、決済情報との突合処理がなされ、支払金額が不足したと判断される場合には不足額が算出され、上記取引情報の取引先情報に含まれる取引先アドレスに対し、不足額の支払督促状が出力されることになる。すなわちより具体的な構成としては、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、支払金額が不足したと判断される場合は、上記演算制御手段により、不足額が算出され、上記取引情報の取引先情報に含まれる取引先アドレスに対し、上記コンピュータから不足額の支払督促状が出力されるステップと
を実行することを特徴としている。
【００１８】
請求項４の債権回収管理方法の構成は、取引先側が、その代金の支払いを拒んだり、代金引受分の決済を拒んだりした場合の本構成における処理を規定しており、基本的には、支払拒絶情報乃至引受拒絶情報との突合処理がなされ、格納されている上記取引情報を基に、上記取引情報の取引先情報に含まれる取引先アドレスに対し、支払督促状が出力されることになる。すなわちより具体的な構成としては、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む支払拒絶情報乃至引受拒絶情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、支払拒絶情報乃至引受拒絶情報との突合処理がなされ、格納されている上記取引情報を基に、その取引先情報に含まれる取引先アドレスに対し、上記コンピュータから支払督促状が出力されるステップと
を実行することを特徴としている。
【００１９】
請求項５の債権回収管理方法の構成は、請求項２〜請求項４いずれか１つに記載された構成に適用されるものであって、上記各支払督促状に対し取引先からの応答があった場合に、その応答が、支払又は引受分の決済に関する状況のデータとして、上記取引情報に付加して、上記コンピュータの格納手段に格納されることを特徴としている。これは、支払督促状を受け取った取引先が、その応答として、支払遅延や代金の支払いに不足があること、或いは支払ができないこと又は代金引受分の決済ができないことの理由を返答してきた場合に、その応答を、支払又は引受分の決済に関する状況のデータとして、上記取引情報に付加して、上記コンピュータの格納手段に格納させておき、後述する請求項６の構成によって、いつでも支払又は引受分の決済に関する状況が確認できるようにするものである。
【００２０】
請求項６の債権回収管理方法の構成は、請求項１〜請求項５いずれか１つに記載された構成に適用されるものであって、上記インボイスデータ、契約情報及び取引先情報を入力してくる側のコンピュータに対し、発行された上記顧客ＲＥＦ番号が上記コンピュータから出力され、該顧客ＲＥＦ番号を基にその入力してきた側のコンピュータの問い合わせ要求に対し、現在の支払又は引受分の決済に関する状況が、同じく上記コンピュータから提示されることを特徴としている。該構成は、上記支払督促状を出力した場合だけでなく、いつでも支払又は引受分の決済に関する状況が確認できるようにするものである。
【００２１】
請求項７〜請求項１２までの構成は、上記請求項１〜請求項６までに規定された方法の構成を、それらに対応するシステムの構成として提案している。
【００２２】
そのうち請求項７に係る債権回収管理システムの構成は、請求項１の構成に対応しており、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報として取り込まれた際、顧客ＲＥＦ番号を発行する発行手段と、
発行されたＲＥＦ番号を、上記取引情報と共に格納する格納手段と、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータを出力する通知手段と、
上記金融機関から上記顧客ＲＥＦ番号を含む決済情報が取り込まれた際、上記顧客ＲＥＦ番号を中心に、上記決済情報との突合処理を行う突合処理手段と、
両情報が突合している場合に、格納されている上記取引情報に関し決済が終了した旨の更新処理を行う更新手段と
を有することを特徴としている。
【００２３】
請求項８に係る債権回収管理システムの構成は、請求項２の構成に対応しており、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報として取り込まれた際、顧客ＲＥＦ番号を発行する発行手段と、
発行されたＲＥＦ番号を、上記取引情報と共に格納する格納手段と、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータを出力する通知手段と、
上記金融機関から上記顧客ＲＥＦ番号を含む決済情報が取り込まれた際、上記顧客ＲＥＦ番号を中心に、上記決済情報との突合処理を行う突合処理手段と、
該突合時の支払条件の突合の際に、支払期日が遅延したと判断される場合、契約情報に含まれる支払条件中の遅延支払利息データに基づいて遅延支払利息を算出する算出手段と、
上記取引情報の取引先情報に含まれる取引先アドレスに対し、遅延支払利息の支払督促状を出力する出力手段と
を有することを特徴としている。
【００２４】
請求項９に係る債権回収管理システムの構成は、請求項３の構成に対応しており、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報として取り込まれた際、顧客ＲＥＦ番号を発行する発行手段と、
発行されたＲＥＦ番号を、上記取引情報と共に格納する格納手段と、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータを出力する通知手段と、
上記金融機関から上記顧客ＲＥＦ番号を含む決済情報が取り込まれた際、上記顧客ＲＥＦ番号を中心に、上記決済情報との突合処理を行う突合処理手段と、
該突合時に支払金額が不足したと判断される場合、不足額を算出する算出手段と、
上記取引情報の取引先情報に含まれる取引先アドレスに対し、不足額の支払督促状を出力する出力手段と
を有することを特徴としている。
【００２５】
請求項１０に係る債権回収管理システムの構成は、請求項４の構成に対応しており、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報として取り込まれた際、顧客ＲＥＦ番号を発行する発行手段と、
発行されたＲＥＦ番号を、上記取引情報と共に格納する格納手段と、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータを出力する通知手段と、
上記金融機関から上記顧客ＲＥＦ番号を含む支払拒絶情報乃至引受拒絶情報が取り込まれた際、上記顧客ＲＥＦ番号を中心に、上記支払拒絶情報乃至引受拒絶情報との突合処理を行う突合処理手段と、
該顧客ＲＥＦ番号に対応する上記取引情報の取引先情報に含まれる取引先アドレスに対し、支払督促状を出力する出力手段と
を有することを特徴としている。
【００２６】
請求項１１に係る債権回収管理システムの構成は、請求項５の構成に対応しており、上記各支払督促状に対し取引先からの応答があった場合に、その応答が、支払又は引受分の決済に関する状況のデータとして、上記取引情報に付加して格納手段に格納されることを特徴としている。
【００２７】
請求項１２に係る債権回収管理システムの構成は、請求項６の構成に対応しており、上記発行手段により発行された上記顧客ＲＥＦ番号が、上記インボイスデータ、契約情報及び取引先情報を入力してくる側にも上記通知手段により通知され、該顧客ＲＥＦ番号を基にその入力してきた側の問い合わせに対し、現在の支払又は引受分の決済に関する状況が提示されることを特徴としている。
【００２８】
請求項１３〜請求項１８までの構成は、上記請求項１〜請求項６までに規定した方法をコンピュータに実行させるために、該コンピュータで実行可能なプログラムについて規定している。
【００２９】
すなわち、上述した課題を解決するための構成として、上記請求項１〜請求項６までに規定した各処理を、コンピュータの構成を利用して実行する、該コンピュータで読み込まれて実行可能なコンピュータ・プログラムにつき開示する。もちろんこれらの構成は、コンピュータ・プログラムとしてだけではなく、後述するように、同様な機能を有するプログラムを格納した記録媒体の構成（請求項１９）として提供されても良いことは言うまでもない。この場合、コンピュータとは中央演算処理装置の構成を含んだ汎用的なコンピュータの構成の他、特定の処理に向けられた専用機などを含むものであっても良く、中央演算処理装置の構成を伴うものであれば特に限定はない。
【００３０】
コンピュータに上記各処理を実行させるためのこのようなプログラムが、コンピュータに読み出されると、請求項１〜請求項６までに規定されたいずれかの処理と同様な処理が実行されることになる。
【００３１】
また既存のハードウェア資源を用いてこのコンピュータ・プログラムを実行することにより、既存のハードウェアで新たなアプリケーションとしての本発明の方法が容易に実行できるようになる。さらにこのようなコンピュータ・プログラムが前述の記録媒体に記録されることにより、これをソフトウェア商品として容易に配付、販売することができるようになる。加えて記録媒体の構成としては、上述した形式の場合の他、ＲＡＭやＲＯＭなどの内部記憶装置の構成やハードディスクなどの外部記憶装置の構成であっても良く、そのようなプログラムがそこに記録されれば、本発明に規定された記録媒体に含まれることは言うまでもない。
【００３２】
尚、請求項１３〜請求項１８までに記載された各処理のうち一部の処理を実行する機能は、コンピュータに組み込まれた機能（コンピュータにハードウェア的に組み込まれている機能でも良く、該コンピュータに組み込まれているオペレーティングシステムや他のアプリケーションプログラムなどによって実現される機能でも良い）によって実現され、前記プログラムには、該コンピュータによって達成される機能を呼び出すあるいはリンクさせる命令が含まれていても良い。
【００３３】
これは、請求項１３〜請求項１８までに規定された各処理の一部が、例えばオペレーティングシステムなどによって達成される機能の一部で代行され、その機能を実現するためのプログラムないしモジュールなどは直接記録されているわけではないが、それらの機能を達成するオペレーティングシステムの機能の一部を、呼び出したりリンクさせるようにしてあれば、実質的に同じ構成となるからである。
【００３４】
上記プログラムは、それ自身使用の対象となる他、後述のように記録媒体に記録されて配付乃至販売され、また通信などにより送信されて、譲渡の対象とすることもできるようになる。
【００３５】
そのうち、請求項１３の構成は、請求項１の構成に対応する構成であり、その具体的構成は、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、格納されている上記取引情報に関し決済が終了した旨の更新処理が、該演算制御手段によりなされるステップと
を上記コンピュータに実行させるコンピュータ・プログラムである。
【００３６】
請求項１４の構成は、請求項２の構成に対応する構成であり、その具体的構成は、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、支払期日が遅延したと判断される場合は、契約情報に含まれる支払条件中の遅延支払利息データに基づいて、上記演算制御手段により、遅延支払利息が算出され、上記取引情報の取引先情報に含まれる取引先アドレスに対し、上記コンピュータから遅延支払利息の支払督促状が出力されるステップと
を上記コンピュータに実行させるコンピュータ・プログラムである。
【００３７】
請求項１５の構成は、請求項３の構成に対応する構成であり、その具体的構成は、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む決済情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、決済情報との突合処理がなされ、支払金額が不足したと判断される場合は、上記演算制御手段により、不足額が算出され、上記取引情報の取引先情報に含まれる取引先アドレスに対し、上記コンピュータから不足額の支払督促状が出力されるステップと
を上記コンピュータに実行させるコンピュータ・プログラムである。
【００３８】
請求項１６の構成は、請求項４の構成に対応する構成であり、その具体的構成は、
所定の金融機関へ買取乃至取立依頼のなされた荷為替手形に対応するインボイスデータが、支払条件等を含む契約情報及び取引先情報と共に、取引情報としてコンピュータ内に取り込まれるステップと、
該情報の取り込みと共に、上記取引情報の取り込み時に顧客ＲＥＦ番号が該コンピュータにより発行されて、該取引情報と共にコンピュータの格納手段に格納されるステップと、
上記取引先情報に含まれる取引先アドレスに対し、上記顧客ＲＥＦ番号を含むインボイスデータが上記コンピュータから出力されるステップと、
上記金融機関側のコンピュータから上記顧客ＲＥＦ番号を含む支払拒絶情報乃至引受拒絶情報が上記コンピュータに取り込まれるステップと、
上記顧客ＲＥＦ番号を中心に、上記コンピュータの演算制御手段により、支払拒絶情報乃至引受拒絶情報との突合処理がなされ、格納されている上記取引情報を基に、その取引先情報に含まれる取引先アドレスに対し、上記コンピュータから支払督促状が出力されるステップと
を上記コンピュータに実行させるコンピュータ・プログラムである。
【００３９】
請求項１７の構成は、請求項５の構成に対応する構成であり、その具体的構成は、上記各支払督促状に対し取引先からの応答があった場合に、その応答が、支払又は引受分の決済に関する状況のデータとして、上記取引情報に付加して、上記コンピュータの格納手段に格納されることを特徴としている。
【００４０】
請求項１８の構成は、請求項６の構成に対応する構成であり、その具体的構成は、上記インボイスデータ、契約情報及び取引先情報を入力してくる側のコンピュータに対し、発行された上記顧客ＲＥＦ番号が上記コンピュータから出力され、該顧客ＲＥＦ番号を基にその入力してきた側のコンピュータの問い合わせ要求に対し、現在の支払又は引受分の決済に関する状況が、同じく上記コンピュータから提示されることを特徴としている。
【００４１】
さらに請求項１９の構成は、上述のように、請求項１３〜請求項１８いずれか１つに記載のコンピュータ・プログラムが格納されたコンピュータ読み取り可能な記録媒体について規定している。すなわち、これらのコンピュータ・プログラムは、記録媒体に格納されて、取引の対象とすること或いは実際に実行することなども可能である。
【００４２】
上記方法やプログラム（或いは上記記録媒体から読み出されたプログラム）を実行するコンピュータ或いは上記システムを構成するコンピュータは、１つの構成（スタンドアローン型のコンピュータなど）であっても良いが、それに限定されるわけではなく、ネットワークを構成する複数のコンピュータ（複数のサーバなど）で構成され、前記各ステップでなされる処理は、それらのコンピュータにおいて（必要であれば適当な通信構成を介して）分散して実行されるように、プログラムに設定されるようにしても良い。
【００４３】
【発明の実施の形態】
以下、本発明の実施の形態を図示例と共に説明する。
図１〜図７は、本発明に係る債権回収管理システムの実施例構成を示している。すなわち、これらの図面では、輸出企業Ａ社と輸入企業Ｂ社間で輸出取引がなされた場合に、Ａ社が該取引に対するインボイスデータ、支払条件（金額、支払期日、遅延利息支払条件など）等を含む契約情報、相手方Ｂ社の担当部署及び担当者名やそのメールアドレスなどを含む取引先情報を、該Ａ社の取引金融機関Ａ１が保有するサーバ１００に登録して、上記インボイスデータなどを輸入企業Ｂ社に通知してもらうと共に、該輸出手続で作成された荷為替手形を該Ａ社の取引金融機関Ａ１に買い取ってもらい、その後輸入企業Ｂ社が手形金額の支払を行った場合及びその支払を拒絶した場合の、上記サーバ１００を中心とした該輸出取引に伴う債権回収管理の仕組みを示している。
【００４４】
ここでは、まず図１におけるサーバ１００の処理を中心に、輸出企業Ａ社、輸入企業Ｂ社、Ａ社取引金融機関Ａ１、Ｂ社取引金融機関Ｂ１に設置された端末装置２００、２１０、ＥＤホスト１１０、３１０、ＳＷＩＦＴホスト１２０、３２０間の処理の流れにつき説明する。
【００４５】
その前提として、サーバ１００を運用する金融機関Ａ１は、本発明の実行のために必要な専用のプログラムを、輸入企業Ｂ社の端末装置２１０にインストールしてもらう。このプログラムがインストールされた端末装置２１０は、サーバ１００から顧客ＲＥＦ番号を含むインボイスデータがメールの添付データとして転送されると、該顧客ＲＥＦ番号が自動的に格納され、さらに輸入企業Ｂ社の担当者が端末装置２１０を使用して、上記インボイスデータに基づき金融機関Ｂ１のＥＤホスト３１０に手形の支払の依頼が行われた時に、その依頼と共に顧客ＲＥＦ番号が自動的に転送される。又は、該顧客ＲＥＦ番号を含むインボイスデータが格納されたサーバ１００のＵＲＬを電文内容として示すメールがサーバ１００から転送され、上記プログラムがインストールされた輸入企業Ｂ社の端末装置２１０でそのメール上の該ＵＲＬがクリックされることで、ブラウザが起動した上記輸入企業Ｂ社の端末装置２１０に、この顧客ＲＥＦ番号を含むインボイスデータが取り込まれ、上記と同様に、輸入企業Ｂ社の担当者が端末装置２１０を用いて、上記インボイスデータに基づき金融機関Ｂ１のＥＤホスト３１０に手形の支払の依頼をおこなった時に、その依頼と共に顧客ＲＥＦ番号が自動的に転送される。
【００４６】
他方、輸出企業Ａ社の端末装置２００には、金融機関Ａ１から交付される特定のプログラムのインストールを行うことで、サーバ１００に取引情報を転送することができるような機能を持つようにしても良いが、該サーバ１００がウェブサーバの機能を有している場合は、そのようなプログラムのインストールは必要がなく、通常のブラウザの機能を持つだけでも良い。
【００４７】
１）輸出企業Ａ社と輸入企業Ｂ社で売買契約を締結する。この契約に対する支払条件［金額、支払期日、遅延利息支払条件（決済遅延の場合の取り決め条項等）など］等を含む契約情報、相手方Ｂ社の担当部署及び担当者名やそのメールアドレスなどを含む取引先情報が、Ａ社の例えば営業部門の担当者によって上記端末装置２００に入力される。
【００４８】
２）輸出企業Ａ社は、商品の船積み等貿易に関わる手続を行い、貿易書類を作成する（船で商品を運ぶ場合、船荷証券を商品と引き換えに船会社から受領する）。そして輸出企業Ａ社は、船荷証券を含む貿易書類と荷為替手形を取引金融機関Ａ１に持ち込み、手形の買取を取引金融機関Ａ１に依頼する。取引金融機関Ａ１は、輸出企業Ａ社の与信枠内であれば、手形を買い取る。
【００４９】
３）その後、輸出企業Ａ社の社内の販売管理システムにあるこの取引に関するインボイス（請求書）データが、上記契約情報及び取引先情報と共に、取引情報として、端末装置２００から上記サーバ１００に取り込まれる。
【００５０】
４）上記取込の際、顧客ＲＥＦ番号がサーバ１００内で自動採番（後述するＲＥＦ番号発行部１１の処理により）により発行されて、上記取引情報と共に、（後述するデータ格納部２０に）格納される。
【００５１】
５）サーバ１００（の通知部１２）により、上記取引先情報中に含まれるメールアドレスに基づいて、（後述する通信部３０を介して）顧客ＲＥＦ番号付きのインボイスデータが輸入企業Ｂ社の端末装置２１０に通知される。それにより輸入企業Ｂ社は、該端末装置２１０を使用してサーバ１００にアクセスし、インボイスデータを閲覧する。
【００５２】
６）金融機関Ａ１は、輸入企業Ｂ社の取引金融機関Ｂ１に貿易書類と荷為替手形を郵送する。併せて、ＳＷＩＦＴホスト１２０により、手形決済を求める電文が、銀行間のネットワーク（ＳＷＩＦＴ）を使用して、Ｂ社取引金融機関Ｂ１に送信される。
【００５３】
７）上記金融機関Ｂ１は、貿易書類が到着した事を、輸入企業Ｂ社に通知する（電話や案内書が利用される）。
【００５４】
８）輸入企業Ｂ社は、金融機関Ｂ１から貿易書類を受け取り、手形の支払や引き受けを行なう。或いは支払や引き受けを拒絶する。この際、輸入企業Ｂ社の端末装置２１０により、上述のように、サーバ１００の自動採番した顧客ＲＥＦ番号が、支払指示中に自動的に引き継がれ、上記金融機関Ｂ１に伝えられる。これらの決済情報は、引き継がれた顧客ＲＥＦ番号と共に、ＥＤホスト３１０から、ＳＷＩＦＴホスト３２０を介して、ＳＷＩＦＴにより、輸出手形決済情報（ＳＷＩＦＴメッセージ）として、該金融機関Ｂ１から輸出企業Ａ社の取引金融機関Ａ１に通知される。この時ＳＷＩＦＴデータ中には、ＲＥＦ番号フィールドがあるため、顧客ＲＥＦ番号は、上記ＳＷＩＦＴデータの中に引き継がれて、金融機関Ａ１に一緒に通知されることになる。
【００５５】
９）金融機関Ａ１では、ＳＷＩＦＴホスト１２０により上記電文が受領されると、行内の業務用ホストシステム（図示なし）にその情報が自動的に繋がる。更に、該業務用ホストシステムから、ＥＢホスト１１０に、この情報が自動的に繋がる。
【００５６】
１０）サーバ１００は、タイマ起動によって、自動的にＥＢホスト１１０にある情報（データ）を受信する。
【００５７】
１１）サーバ１００上で、契約情報や取引先情報などを含む取引情報と、この決済情報が照合され、自動的に、決済処理の終了有無、決済遅延、金額不足、支払拒絶等が判断され、さらに決済処理が終了した場合は、格納された取引情報の更新処理がなされ、また決済遅延や金額不足などの場合には、遅延利息算出や不足額算出処理がなされる。
【００５８】
１２）決済処理が終了したと判断された場合以外は、サーバ１００から、輸入企業Ｂ社に、支払督促状が自動送信される。
【００５９】
図２〜図７は、以上のＡ社、Ｂ社、金融機関Ｂ１、金融機関Ａ１間の処理の流れの中でサーバ１００によって実行される本発明に係る債権回収管理の実行方法について示している。
【００６０】
これらの図面に示されるように、サーバ１００は、読み込まれたプログラムがＣＰＵで実行されることによりＲＥＦ番号発行部１１、通知部１２、突合処理部１３、更新部１４、算出部１５及び出力部１６として機能する演算制御部１０と、ハードディスクドライブで構成されるデータ格納部２０と、ＲＡＭ又は同ハードディスクドライブなどで構成されるテンポラリデータ格納部２２と、データの入力・出力・格納・削除・更新などのために所定のプロトコルで外部との通信を行う通信部３０とを備えている。
【００６１】
図２に示すように、輸出企業Ａ社の端末装置２００により、インボイスデータ・契約情報・取引先情報などを含む取引情報が上記通信部３０で受信されると、これらの情報は、一旦上記テンポラリデータ格納部２２に格納される。
【００６２】
そして上記ＲＥＦ番号発行部１１により、取引情報毎にユニーク（２つとない）な顧客ＲＥＦ番号が自動生成され、上記取引情報に付加されて、データ格納部２０に格納される。
【００６３】
次に図３に示すように、上記通知部１２により、データ格納部２０に格納されている上記取引情報が読み出され、その情報から取引先情報として含まれる輸入企業Ｂ社の担当者のメールアドレスが抽出され、該メールアドレスが示す輸入企業Ｂ社の端末装置２１０に、顧客ＲＥＦ番号を含むインボイスデータが、メールの添付データとして転送される。又は、該顧客ＲＥＦ番号を含むインボイスデータが格納されたサーバ１００のＵＲＬを電文内容として示すメールが転送され、輸入企業Ｂ社の端末装置２１０のブラウザ上に表示される該ＵＲＬがクリックされることで、この顧客ＲＥＦ番号を含むインボイスデータが、上記輸入企業Ｂ社の端末装置２１０に取り込まれることになる。
【００６４】
以上の処理で、輸入企業Ｂ社の端末装置２１０上には、顧客ＲＥＦ番号付きのインボイスデータが読み込まれるので、輸出企業Ａ社の請求内容及び金額が分かることになる。
【００６５】
他方上述のように、輸出企業Ａ社は、上記輸出に伴う船荷証券を含む貿易書類と荷為替手形を取引金融機関Ａ１に持ち込み、該手形の買取を取引金融機関Ａ１に依頼して、買い取ってもらっている。そして該金融機関Ａ１により、輸入企業Ｂ社の取引金融機関Ｂ１に貿易書類と荷為替手形が郵送され、併せて、ＳＷＩＦＴホスト１２０により、手形決済を求める電文が、銀行間のネットワーク（ＳＷＩＦＴ）を使用して、Ｂ社取引金融機関Ｂ１に送信されるので、該金融機関Ｂ１により、貿易書類が到着した事が、輸入企業Ｂ社に通知される。この通知により、輸入企業Ｂ社は、金融機関Ｂ１から貿易書類を受け取り、手形の支払や引き受けを行なう。或いは支払や引き受けを拒絶する。
【００６６】
この際、輸入企業Ｂ社の端末装置２１０により、サーバ１００で自動採番した顧客ＲＥＦ番号が、支払指示中に引き継がれ、上記金融機関Ｂ１に伝えられる。これらの決済情報は、引き継がれた顧客ＲＥＦ番号と共に、ＥＤホスト３１０から、ＳＷＩＦＴホスト３２０を介して、ＳＷＩＦＴにより、輸出手形決済情報（ＳＷＩＦＴメッセージ）として、該金融機関Ｂ１から輸出企業Ａ社の取引金融機関Ａ１に通知される。
【００６７】
該金融機関Ａ１では、ＳＷＩＦＴホスト１２０により上記電文が受領されると、行内の業務用ホストシステム（図示なし）にその情報が自動的に繋がる。更に、該業務用ホストシステムから、ＥＢホスト１１０に、この情報が自動的に繋がる。そしてサーバ１００は、タイマ起動によって、自動的にＥＢホスト１１０にある決済情報（データ）の受信を行う。
【００６８】
その受信後のサーバ１００における処理は、図４に示されており、サーバ１００上の通信部３０により、顧客ＲＥＦ番号の付いた決済情報が取り込まれ、テンポラリデータ格納部２２に格納される。すると、上記突合処理部１３により、この顧客ＲＥＦ番号が参照されて、データ格納部２０に格納された対応する（同じ顧客ＲＥＦ番号の付いた）取引情報（契約情報や取引先情報などを含む）が抽出され、さらにこれらの両情報（決済情報と取引情報）の突合処理がなされる。
【００６９】
該突合処理部１３によって、突合処理がなされた結果、上記両情報が一致すれば、契約通りの手形支払いがなされたとして、上記更新部１４により、データ格納部２０に格納された売掛債権の消し込み更新処理がなされる（実際にはそのデータは履歴として残るが更新処理により消し込み処理済みを示すフラグが立つことになる）。
【００７０】
他方図５は、輸入企業Ｂ社による手形金支払が予定の期日より遅延した場合におけるサーバ１００の処理内容が示されている。図４の場合と同様、サーバ１００の通信部３０により、顧客ＲＥＦ番号の付いた決済情報が取り込まれ、テンポラリデータ格納部２２に格納されると、上記突合処理部１３により、この顧客ＲＥＦ番号が参照されて、データ格納部２０に格納された対応する（同じ顧客ＲＥＦ番号の付いた）取引情報（契約情報や取引先情報などを含む）が抽出され、さらにこれらの両情報（決済情報と取引情報）の突合処理がなされる。その際、上記突合処理部１３により、決済情報中における支払日が上記取引情報中に規定された支払期日より遅延していると判断される場合は、算出部１５に、遅延日数、契約情報中の遅延利息支払条件などのデータが送られ、該算出部１５において、遅延利息が算出される。算出された遅延利息は、出力部１６により、支払督促状としての体裁に整えられた上で、上記取引先情報中のメールアドレスによって特定される輸入企業Ｂ社に対し、通信部３０を介して出力される。
【００７１】
そして上記算出部１５により、データ格納部２０に格納された同じ顧客ＲＥＦ番号の付く取引情報に、遅延利息が未払い金（輸入企業Ｂ社から見た場合）として残っている旨のデータ更新処理を行う。
【００７２】
さらに図６は、輸入企業Ｂ社による手形金の支払が不足する場合（売掛金より少ない場合）におけるサーバ１００の処理内容が示されている。上記の場合と同様、サーバ１００の通信部３０により、顧客ＲＥＦ番号の付いた決済情報が取り込まれ、テンポラリデータ格納部２２に格納されると、上記突合処理部１３により、この顧客ＲＥＦ番号が参照されて、データ格納部２０に格納された対応する（同じ顧客ＲＥＦ番号の付いた）取引情報（契約情報や取引先情報などを含む）が抽出され、さらにこれらの両情報（決済情報と取引情報）の突合処理がなされる。その際、上記突合処理部１３により、決済情報中における決済金額が上記取引情報中に規定された売掛金と異なると判断される場合は、算出部１５に、決済金額と売掛金などのデータが送られ、該算出部１５において、不足額が算出される。算出された不足額は、出力部１６により、支払督促状としての体裁に整えられた上で、上記取引先情報中のメールアドレスによって特定される輸入企業Ｂ社に対し、通信部３０を介して出力される。
【００７３】
そして上記算出部１５により、データ格納部２０に格納された同じ顧客ＲＥＦ番号の付く取引情報に、不足額が未払い金（輸入企業Ｂ社から見た場合）として残っている旨のデータ更新処理を行う。
【００７４】
図７は、輸入企業Ｂ社が、金融機関Ｂ１の手形の支払の求めに応じず、その支払を拒絶した場合におけるサーバ１００の処理内容が示されている。この場合、サーバ１００の通信部３０により、輸入企業Ｂ社による手形の支払が拒絶された旨を含む顧客ＲＥＦ番号の付いた情報が取り込まれ、テンポラリデータ格納部２２に格納されると、上記突合処理部１３により、この顧客ＲＥＦ番号が参照されて、データ格納部２０に格納された対応する（同じ顧客ＲＥＦ番号の付いた）取引情報（契約情報や取引先情報などを含む）が抽出され、さらにこれらの両情報（支払拒絶の情報と取引情報）の突合処理がなされる。その際、上記突合処理部１３により、支払拒絶の情報が出力部１６に転送され、そこで、事実関係と理由を一緒に問い合わせる支払督促状としての体裁に整えられた上で、上記取引先情報中のメールアドレスによって特定される輸入企業Ｂ社に対し、通信部３０を介して出力される。
【００７５】
そして上記突合処理部１３により、データ格納部２０に格納された同じ顧客ＲＥＦ番号の付く取引情報に、売掛金が未払い金（輸入企業Ｂ社から見た場合）として残っている旨のデータ更新処理を行う。
【００７６】
図８は、上記図２及び図３の各処理に対応する取引情報の取り込み顧客ＲＥＦ番号の発行・格納及びインボイスデータの通知に関する処理の流れを示すフローチャートである。
【００７７】
同図に示すように、サーバ１００の通信部３０を介してテンポラリデータ格納部２２に、輸出企業Ａ社の端末装置２００から、取引情報が取り込まれる（ステップＳ１０１）と、上記ＲＥＦ番号発行部１１により顧客ＲＥＦ番号が発行される（ステップＳ１０２）。
【００７８】
次に上記テンポラリデータ格納部２２中の取引情報中に顧客ＲＥＦ番号があるか否かがチェックされ（ステップＳ１０３）、当該番号がなければ（ステップＳ１０３；Ｎｏ）、上記ステップＳ１０２に復帰する。
【００７９】
反対に取引情報中に顧客ＲＥＦ番号があれば（ステップＳ１０３；Ｙｅｓ）、データ格納部２０に取引情報が格納される（ステップＳ１０４）。その後上記通知部１２により、新たに格納された取引情報が読み出され、その情報から取引先である輸入企業Ｂ社の担当者のメールアドレスが抽出され、該メールアドレスが示す輸入企業Ｂ社の端末装置２１０に、顧客ＲＥＦ番号を含むインボイスデータが、メールの添付データとして転送される（ステップＳ１０５）。又は、上述のように、該顧客ＲＥＦ番号を含むインボイスデータが格納されたサーバ１００のＵＲＬを電文内容として示すメールが転送され、輸入企業Ｂ社の端末装置２１０のブラウザ上に表示される該ＵＲＬがクリックされることで、この顧客ＲＥＦ番号を含むインボイスデータが、上記輸入企業Ｂ社の端末装置２１０に取り込まれるようにしても良い。
【００８０】
図９は、上記図４〜図７の各処理に対応する売掛債権の消し込み処理や支払督促状の出力処理に関するサーバ１００により処理の流れを示すフローチャートである。
【００８１】
同図に示すように、上記金融機関Ｂ１のＳＷＩＦＴホスト３２０から取引金融機関Ａ１のＳＷＩＦＴホスト１２０に送られ、最終的にＥＤホスト１１０を介してサーバ１００側のテンポラリデータ格納部２２に、顧客ＲＥＦ番号を含む決済情報（Ｂ社による支払を拒絶する情報も含まれる）が取り込まれる（ステップＳ２０１）。
【００８２】
そして突合処理部１３により、上記決済情報から顧客ＲＥＦ番号の抽出が行われる（ステップＳ２０２）。該決済情報中に顧客ＲＥＦ番号がなければ（ステップＳ２０３；Ｎｏ）、上記ステップＳ２０２に復帰する。
【００８３】
反対に決済情報中に顧客ＲＥＦ番号があれば（ステップＳ２０３；Ｙｅｓ）、上記突合処理部１３により、この顧客ＲＥＦ番号が参照されて、データ格納部２０に格納された取引情報の検索処理がなされる（ステップＳ２０４）。
【００８４】
ここで同じ顧客ＲＥＦ番号の取引情報があるか否か（抽出されたか否か）がチェックされ（ステップＳ２０５）、同じ顧客ＲＥＦ番号の取引情報がなければ（ステップＳ２０５；Ｎｏ）、上記ステップＳ２０４に復帰する。
【００８５】
反対に同じ顧客ＲＥＦ番号の取引情報があれば（ステップＳ２０５；Ｙｅｓ）、これらの両情報（決済情報と取引情報）の突合処理が、上記突合処理部１３によってなされる（ステップＳ２０６）。
【００８６】
該突合処理において、まず決済情報中に上記輸入企業Ｂ社が支払を拒絶した旨の情報が含まれているか否かがチェックされ（ステップＳ２０７）、支払を拒絶した旨の情報が含まれていれば（ステップＳ２０７；Ｙｅｓ）、出力部１６により、通信部３０を介して輸入企業Ｂ社の担当者メールアドレス宛に、事実関係と理由の一緒に問い合わせる支払督促状が出力される（ステップＳ２０８）。
【００８７】
また上記決済情報中に支払を拒絶した旨の情報が含まれていなければ（ステップＳ２０７；Ｎｏ）、輸入企業Ｂ社による手形支払日が支払期限内に行われた否かがチェックされ（ステップＳ２０９）、期限内に行われていなければ（ステップＳ２０９；Ｎｏ）、上記算出部１５により、遅延利息の算出がなされ（ステップＳ２１０）、さらに出力部１６により、通信部３０を介して輸入企業Ｂ社の担当者メールアドレス宛に支払督促状が出力される（ステップＳ２０８）。
【００８８】
反対に輸入企業Ｂ社による手形支払日が支払期限内に行われていれば（ステップＳ２０９；Ｙｅｓ）、支払われた金額が契約情報中に規定された金額と同一か否かがチェックされ（ステップＳ２１１）、同一でない場合（ステップＳ２１１；Ｎｏ）、算出部１５により、不足額の算出がなされ（ステップＳ２１２）、さらに出力部１６により、通信部３０を介して輸入企業Ｂ社の担当者メールアドレス宛に支払督促状が出力される（ステップＳ２０８）。
【００８９】
反対に支払われた金額が契約情報中に規定された金額と同一の場合（ステップＳ２１１；Ｙｅｓ）、取引情報と決済情報の両情報が一致し、契約通りの手形支払いがなされたとして、上記更新部１４により、データ格納部２０に格納された売掛債権の消し込み更新処理がなされる（ステップＳ２１３）。
【００９０】
なお、輸出企業Ａ社及び輸入企業Ｂ社における会計担当者は、いずれもそれぞれの端末装置２００及び２１０からアクセスし、上記顧客ＲＥＦ番号を指定することで、いつでもサーバ１００に対して、取引情報・決済情報・その履歴情報［売掛債権の消し込み・支払遅延や金額不足及び支払拒絶による支払督促状の出力・該支払督促状に対する応答状況（支払拒絶がなされた場合その事実関係及び理由などの問い合わせ及びその応答などを含む）］などの上記データ格納部２０からのデータ読み出しを行わせて、閲覧できる状態になっている。
【００９１】
以上詳述した本発明の実施例構成によれば、サーバ１００に対し、荷為替手形に対応するインボイスデータ及び決済情報が集められ、これらの情報中には、取引情報の取り込み時に該サーバ１００のＲＥＦ番号発行部１１により発行された顧客ＲＥＦ番号が含まれているため、該顧客ＲＥＦ番号を基に突合処理が行われ、その結果、両情報が一致している場合は、自動的に消し込み作業までが行えることになる。
【００９２】
また手形金額の支払いはなされたが、支払日が期限より遅れた場合は、遅延利息の計算がなされ、輸入企業Ｂ社の担当者メールアドレス宛に支払督促状が出力されることになる。
【００９３】
さらに手形金額の支払いはなされたが、支払額が売掛金の額より少ない場合は、不足額が算出され、輸入企業Ｂ社の担当者メールアドレス宛に支払督促状が出力されることになる。
【００９４】
加えて、輸入企業Ｂ社が何らかの理由でその支払いを行わなかった場合、事実関係と理由の一緒に問い合わせる支払督促状が、輸入企業Ｂ社の担当者メールアドレス宛に出力されることになる。
【００９５】
尚、本発明の債権回収管理システムは、上述の実施例にのみ限定されるものではなく、本発明の要旨を逸脱しない範囲内において種々変更を加え得ることは勿論である。例えば、上記実施例では、輸出企業Ａ社が取引金融機関Ａ１に荷為替手形を買い取ってもらう形式の代金回収方法に適用される構成であるが、輸入企業Ｂ社の取引金融機関Ｂ１を通じ、輸出企業Ａ社に代わって、輸入企業Ｂ社に対し、代金の取り立てを行うケースに適用できることは言うまでもない。
【００９６】
【発明の効果】
以上、説明したように本発明の請求項１〜請求項１９記載の債権回収管理方法、債権回収管理システム、コンピュータ・プログラム及び記録媒体によれば、輸出企業側と取引のある金融機関側の上記代金回収や突き合わせ作業に伴う諸作業の軽減が図れるという優れた効果を奏し得る。
【００９７】
また輸入企業の代金の支払いに不足が生じていたり、或いは支払期日より遅延して入金がされた場合でも、不足額の督促や遅延利息の支払の要請を相手方に対して自動的に行うことができるようになり、上記金融機関の事務処理がより一層軽減されるようになる。
【００９８】
加えて万が一輸入企業側がその支払いを拒んだり、代金引受分の決済を拒んだりした場合でも、輸出企業側の取引金融機関は、荷為替手形の代金回収ができなくなるので、買取元の輸出企業にその代金分の求償を行わなければならないが、該輸出企業に代わって、その事実関係と理由の問い合わせを伴う支払督促状を自動的に提出できるようになり、輸出企業側の作業負荷を、軽減してやることができるようになる。
【図面の簡単な説明】
【図１】本発明に係る債権回収管理システムの実施例構成を示す説明図である。
【図２】取引情報がサーバ１００に入力された場合の該サーバ１００での処理を説明する機能ブロック図である。
【図３】サーバ１００から相手方輸入企業Ｂ社へのインボイスデータの通知処理を説明する機能ブロック図である。
【図４】決済情報が受信された場合のサーバ１００における突合処理及び突合結果が符合する場合の更新処理を説明する機能ブロック図である。
【図５】決済情報が受信された場合のサーバ１００における突合処理及び突合結果において支払が期限より遅延した場合の支払督促状出力処理を説明する機能ブロック図である。
【図６】決済情報が受信された場合のサーバ１００における突合処理及び突合結果において支払に不足があった場合の支払督促状出力処理を説明する機能ブロック図である。
【図７】輸入企業Ｂ社の支払拒絶があった旨の情報が受信された場合のサーバ１００における突合処理及び支払を促すための支払督促状の出力処理を説明する機能ブロック図である。
【図８】図２及び図３の各処理に対応する取引情報の取り込み顧客ＲＥＦ番号の発行・格納及びインボイスデータの通知に関する処理の流れを示すフローチャートである。
【図９】図４〜図７の各処理に対応する売掛債権の消し込み処理や支払督促状の出力処理に関するサーバ１００により処理の流れを示すフローチャートである。
【符号の説明】
１０　　　　　演算制御部
１１　　　　　ＲＥＦ番号発行部
１２　　　　　通知部
１３　　　　　突合処理部
１４　　　　　更新部
１５　　　　　算出部
１６　　　　　出力部
２０　　　　　データ格納部
２２　　　　　テンポラリデータ格納部
３０　　　　　通信部
１００　　　　　サーバ
１１０、３１０　ＥＤホスト
１２０、３２０　ＳＷＩＦＴホスト
２００、２１０　端末装置
Ａ　　　　　輸出企業
Ｂ　　　　　輸入企業
Ａ１、Ｂ１　取引金融機関[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a debt collection management method, a debt collection management system, a computer program, and a recording medium.
[0002]
[Prior art]
Regarding the import / export of goods, for example, the sales department of the exporting company receives an order for the product (contracts if necessary), and after receiving a letter of credit from the importing company, It prepares and collects various documents (including bills of lading B / L; hereinafter referred to as shipping documents) necessary for export, and exports applicable products. At the same time, an invoice is created and sent to the importer, the ordering company.
[0003]
In this case, the method of collecting money by the export company is roughly classified into two methods. First, there is a case where the processing is performed by purchasing a bill of exchange of an export company. That is, a purchasing bank having a transaction with the export company is requested to purchase the bills of exchange issued for these exports together with the loading documents. As a result, the export company can receive the bill payment, collect the debt for the time being, and perform the work of clearing the debt.
[0004]
In addition, the purchasing bank that purchased the bill of exchange presents the bill of exchange to the bank of credit issuing bank (compensation bank) that has a transaction with the importing company, and requests payment of the price corresponding to the bill of exchange. In response to this request, the letter of credit issuing bank (compensation bank) of the importing company pays the collection price to the purchasing bank of the exporting company in exchange for receiving the shipping documents. Only after receiving the payment, the purchasing bank can perform the work of applying for the purchase price of the bill of exchange.
[0005]
On the other hand, the letter of credit issuing bank (compensation bank) presents the documentary bill of exchange to the importing company and requests payment thereof.
[0006]
When the payment is made, the letter of credit issuing bank (compensation bank) gives the importing company the received shipping documents. Only then can the importing company present the bill of lading contained therein to the shipping company and receive the goods transported as cargo.
[0007]
The above is the method of collecting the purchase price. On the other hand, there are cases in which a bank that does business with an export company requests a bank that does business with an import company, and has the import company collect money for the export company.
[0008]
[Problems to be solved by the invention]
However, according to the above-mentioned method of collecting the purchase price, the purchasing bank of the exporting company requests the issuing bank (compensation bank) to pay the letter of credit as the number of bills of exchange to be purchased increases. The number of cases is increased, and the matching operation for confirming which bills are paid for over time is very complicated.
[0009]
In addition, if the payment of the importing company is insufficient, or if the payment is made after the payment due date, the shortage must be urged or the payment of delayed interest must be requested. The complexity of such operations is further increased. The same is true when a bank collects money on behalf of an exporting company.
[0010]
In addition, if the importing company refuses to make the payment or refuse to settle the underwriting, the letter of credit issuing bank (compensation bank) will not be able to make payment to the purchasing bank, and eventually the purchasing bank will issue a bill of lading. As a result, the exporter of the purchaser must be reimbursed for the price. If there is such a scorch regarding the collection of money in the complicated work as described above, the work load on the purchasing bank side becomes even greater.
[0011]
The present invention has been made in view of the above-described circumstances, and does not provide a method for managing debt collection that can reduce the various operations involved in the collection and matching work of the financial institution having business with the export company. Things. In addition, a debt collection management system, a computer program, and a recording medium that can achieve such a method are also proposed.
[0012]
[Means for Solving the Problems]
The debt collection management method according to the present invention comprises:
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and the calculation control means performs an update process indicating that the payment has been completed for the stored transaction information. Steps and
The basic feature is to execute.
[0013]
According to the above configuration, invoice data and settlement information corresponding to the bill of exchange are collected for one computer, and the customer's REF number ( Since a unique number is good for each transaction), the matching process is performed on the basis of the customer REF number, so that the clearing operation can be performed automatically.
[0014]
As a premise that such a configuration can be implemented, since the REF number field is included in the SWIFT data, the customer REF number to be included and transmitted in the invoice data is a transaction to be settled for payment or underwriting. The computer of the financial institution on the destination side automatically transfers the data to the SWIFT data, and the computer of the financial institution that purchased the bill of exchange or the computer of the financial institution that collected the bill of exchange based on the SWIFT data. It will be transmitted along with the data transfer. Therefore, as described above, the payment information sent from the computer at the financial institution includes the customer REF number.
[0015]
As described above, the transaction information includes invoice data, contract information including payment conditions, and business partner information. However, such invoice data may include such contract information in some cases. In that case, the transaction information includes invoice data and customer information.
[0016]
The structure of the claim collection management method according to claim 2 defines the processing in the present structure when the payment of the payment by the business partner is delayed. Basically, the reconciliation processing with the settlement information is performed, and the payment date Is determined to be delayed, the delayed interest is calculated based on the delayed interest data in the payment terms included in the contract information, and the delayed interest is calculated with respect to the supplier address included in the supplier information of the transaction information. A reminder to pay interest will be output. That is, as a more specific configuration,
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
The calculation control means of the computer performs a matching process with the settlement information mainly on the customer REF number, and when it is determined that the payment date is delayed, if the payment date included in the contract information, Calculating the delayed interest by the arithmetic control means, and outputting a reminder for payment of the delayed interest from the computer to the supplier address included in the supplier information of the transaction information.
Is performed.
[0017]
The structure of the claim collection management method according to claim 3 defines processing in the present structure when there is a shortage in payment of the payment on the part of the business partner. When it is determined that the money amount is insufficient, the shortage amount is calculated, and a shortage payment reminder is output to the business partner address included in the business partner information of the business transaction information. That is, as a more specific configuration,
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and when it is determined that the payment amount is insufficient, the calculation control means calculates the shortage amount. A step in which a shortage payment reminder is output from the computer to the supplier address included in the supplier information of the transaction information; and
Is performed.
[0018]
The structure of the claim collection management method according to claim 4 stipulates the processing in the present structure when the business partner refuses to pay the payment or refuses to settle the underwriting. A reconciliation process with payment rejection information or underwriting rejection information is performed, and based on the stored transaction information, a payment reminder is output to the business partner address included in the business partner information of the business transaction information. Become. That is, as a more specific configuration,
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
A step in which payment refusal information or underwriting rejection information including the customer REF number is taken into the computer from the computer of the financial institution;
Based on the customer REF number, the calculation control means of the computer performs a reconciliation process with payment refusal information or underwriting rejection information, and, based on the stored transaction information, the supplier included in the supplier information. A step in which a payment reminder is output from the computer for the address;
Is performed.
[0019]
The structure of the claim collection management method according to claim 5 is applied to the structure described in any one of claims 2 to 4, and a response from the supplier to each of the payment reminder is received. When there is a response, the response is stored in storage means of the computer as data of a situation relating to payment or underwriting settlement in addition to the transaction information. This is due to the fact that the supplier who received the reminder letter responds with a reason that the payment was delayed, that payment was insufficient, that payment could not be made, or that payment could not be settled. The response is added to the transaction information as data on the status of settlement for payment or underwriting, and stored in the storage means of the computer. This allows the user to check the status related to the settlement of the minute.
[0020]
The configuration of the claim collection management method according to claim 6 is applied to the configuration according to any one of claims 1 to 5, and inputs the invoice data, contract information, and business partner information. The issued customer REF number is output from the computer to the issuing computer, and based on the customer REF number, in response to the inquiry request from the input computer, the current payment or underwriting is accepted. The situation regarding the settlement is also presented from the computer. This configuration allows the user to check the status of payment or underwriting settlement at any time, not only when the payment reminder is output.
[0021]
The configurations of claim 7 to claim 12 propose the configuration of the method defined in claim 1 to claim 6 as a configuration of a system corresponding thereto.
[0022]
The structure of the claim collection management system according to claim 7 corresponds to the structure of claim 1,
A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
Updating means for performing an updating process to the effect that the settlement has been completed with respect to the stored transaction information when the two information match.
It is characterized by having.
[0023]
The configuration of the claim collection management system according to claim 8 corresponds to the configuration of claim 2,
A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
Calculating means for calculating the delayed interest based on the delayed interest data in the payment terms included in the contract information, if it is determined that the payment date is delayed during the matching of the payment conditions at the time of the matching,
Output means for outputting a reminder for payment of the interest to be lately paid to the business partner address included in the business partner information of the business information;
It is characterized by having.
[0024]
The structure of the claim collection management system according to claim 9 corresponds to the structure of claim 3,
A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
When it is determined that the amount of payment is insufficient at the time of the match, calculating means for calculating the amount of the shortage,
Output means for outputting a shortage payment reminder to the supplier address included in the supplier information of the above transaction information;
It is characterized by having.
[0025]
The structure of the claim collection management system according to claim 10 corresponds to the structure of claim 4,
A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment refusal information or underwriting refusal information including the customer REF number is fetched from the financial institution, reconciliation processing means for performing reconciliation processing with the payment refusal information or underwriting rejection information, centering on the customer REF number,
Output means for outputting a payment reminder to a supplier address included in the supplier information of the transaction information corresponding to the customer REF number;
It is characterized by having.
[0026]
The structure of the claim collection management system according to claim 11 corresponds to the structure of claim 5, and when there is a response from the business partner to each of the payment reminder letters, the response is the payment or underwriting amount. Is stored in storage means in addition to the transaction information as data on the status of the settlement.
[0027]
The structure of the claim collection management system according to claim 12 corresponds to the structure of claim 6, wherein the customer REF number issued by the issuing means inputs the invoice data, contract information, and business partner information. The notifying side is also notified by the notifying means, and in response to an inquiry from the inputting side based on the customer REF number, the current payment or underwriting settlement status is presented.
[0028]
The configurations of claims 13 to 18 specify a program that can be executed by the computer in order to cause the computer to execute the method defined in claims 1 to 6.
[0029]
That is, as a configuration for solving the above-mentioned problem, a computer that can execute each process defined in claims 1 to 6 using a configuration of the computer and that can be read and executed by the computer. Disclose about the program. Needless to say, 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 19), 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.
[0030]
When such a program for causing a computer to execute each of the above processes is read out by the computer, a process similar to any one of the processes defined in claims 1 to 6 is executed.
[0031]
In addition, by executing the 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.
[0032]
The function of executing a part of the processing described in claims 13 to 18 may be a function incorporated in a computer (a function incorporated in a computer as hardware. (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.
[0033]
This is because a part of each process defined in claims 13 to 18 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.
[0034]
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.
[0035]
Among them, the configuration of claim 13 is a configuration corresponding to the configuration of claim 1, and the specific configuration is as follows:
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and the calculation control means performs an update process indicating that the payment has been completed for the stored transaction information. Steps and
Is a computer program that causes the computer to execute the above.
[0036]
The configuration of claim 14 is a configuration corresponding to the configuration of claim 2, and the specific configuration is
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
The calculation control means of the computer performs a matching process with the settlement information mainly on the customer REF number, and when it is determined that the payment date is delayed, if the payment date included in the contract information, Calculating the delayed interest by the arithmetic control means, and outputting a reminder for payment of the delayed interest from the computer to the supplier address included in the supplier information of the transaction information.
Is a computer program that causes the computer to execute the above.
[0037]
The configuration of claim 15 is a configuration corresponding to the configuration of claim 3, and the specific configuration is as follows.
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and when it is determined that the payment amount is insufficient, the calculation control means calculates the shortage amount. A step in which a shortage payment reminder is output from the computer to the supplier address included in the supplier information of the transaction information; and
Is a computer program that causes the computer to execute the above.
[0038]
The configuration of claim 16 is a configuration corresponding to the configuration of claim 4, and the specific configuration is as follows.
Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
A step in which payment refusal information or underwriting rejection information including the customer REF number is taken into the computer from the computer of the financial institution;
Based on the customer REF number, the calculation control means of the computer performs a reconciliation process with payment refusal information or underwriting rejection information, and, based on the stored transaction information, the supplier included in the supplier information. A step in which a payment reminder is output from the computer for the address;
Is a computer program that causes the computer to execute the above.
[0039]
The configuration of claim 17 is a configuration corresponding to the configuration of claim 5, and the specific configuration is that, when a response is received from a business partner to each of the above payment reminder letters, the response is a payment or underwriting. It is characterized in that it is stored in storage means of the computer in addition to the transaction information as data on the status relating to the settlement of the minute.
[0040]
The configuration of claim 18 is a configuration corresponding to the configuration of claim 6, and the specific configuration is issued to the computer that inputs the invoice data, contract information, and business partner information. The computer REF number is output from the computer, and in response to an inquiry request from the computer on the input side based on the customer REF number, the status regarding the settlement of the current payment or underwriting is also presented from the computer. It is characterized by:
[0041]
Further, as described above, the configuration of claim 19 defines a computer-readable recording medium storing the computer program according to any one of claims 13 to 18. That is, these computer programs are stored in a recording medium, and can be used as a transaction target or actually executed.
[0042]
The computer that executes the method or the program (or the program read from the recording medium) or the computer that configures the system may have one configuration (such as a stand-alone computer), but is not limited thereto. Instead, the network is composed of a plurality of computers (such as a plurality of servers) constituting a network, and the processing performed in each of the above steps is distributed (if necessary, through an appropriate communication configuration) to these computers. May be set in the program so that the program is executed.
[0043]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
1 to 7 show the configuration of an embodiment of a debt collection management system according to the present invention. In other words, in these drawings, when an export transaction is made between the export company A and the import company B, the company A makes invoice data and payment terms (amount, payment date, late interest payment terms, etc.) for the transaction. Registering the contract information including the information of the other party, the department in charge of the other company B, the name of the person in charge and the mail address thereof, etc. in the server 100 of the financial institution A1 of the company A, and registering the invoice data Was notified to the importing company B, the bills of exchange created in the export procedure were purchased by the trading financial institution A1 of the company A, and then the importing company B paid the bill. The figure shows the mechanism of the debt collection management associated with the export transaction centered on the server 100 in the case where the payment is refused.
[0044]
Here, first, focusing on the processing of the server 100 in FIG. 1, the terminal devices 200 and 210 installed in the export company A, the import company B, the financial company A1, the financial company B1 and the ED host The process flow between the SIFFT hosts 110 and 310 and the SWIFT hosts 120 and 320 will be described.
[0045]
As a premise, the financial institution A1 that operates the server 100 has a dedicated program necessary for executing the present invention installed in the terminal device 210 of the import company B. When the invoice data including the customer REF number is transferred from the server 100 as the attached data of the mail, the terminal device 210 in which this program is installed automatically stores the customer REF number, When the person in charge makes a request for payment of the bill to the ED host 310 of the financial institution B1 based on the invoice data using the terminal device 210, the customer REF number is automatically transferred together with the request. Alternatively, a mail indicating the URL of the server 100 in which the invoice data including the customer REF number is stored as a message content is transferred from the server 100, and the terminal 210 of the import company B in which the above-described program is installed is displayed on the mail. Is clicked, the invoice data including the customer REF number is taken into the terminal device 210 of the import company B started by the browser, and the person in charge of the import company B is Makes a request for payment of a bill to the ED host 310 of the financial institution B1 based on the invoice data using the terminal device 210, the customer REF number is automatically transferred together with the request.
[0046]
On the other hand, the terminal device 200 of the export company A may have a function of transferring transaction information to the server 100 by installing a specific program issued from the financial institution A1. Good, but if the server 100 has the function of a web server, there is no need to install such a program, and the server 100 may simply have the function of a normal browser.
[0047]
1) The export company A and the import company B conclude a sales contract. Contract information including payment terms for this contract [amount, payment date, delayed interest payment terms (arrangement provisions in case of late payment, etc.)], etc., including the department in charge of the other company B, the name of the person in charge, the mail address thereof, etc. The supplier information is input to the terminal device 200 by a person in charge of the sales department of the company A, for example.
[0048]
2) Export company A carries out trade-related procedures, such as shipping of goods, and prepares trade documents (when carrying goods by ship, it receives bills of lading from the shipping company in exchange for goods). Then, the export company A brings the trade documents including the bill of lading and the bill of exchange to the financial institution A1, and requests the financial institution A1 to purchase the bill. The trading financial institution A1 buys the bill if it is within the credit line of the export company A.
[0049]
3) Thereafter, the invoice (invoice) data relating to this transaction in the in-house sales management system of the export company A is taken into the server 100 from the terminal device 200 as transaction information together with the contract information and the supplier information. It is.
[0050]
4) At the time of the above-mentioned import, the customer REF number is issued in the server 100 by automatic numbering (by processing of the REF number issuing unit 11 described later), and together with the transaction information (to the data storage unit 20 described later). Is stored.
[0051]
5) Based on the mail address included in the supplier information, the invoice data with the customer REF number (via the communication unit 30 described later) is transmitted from the import company B by the (notification unit 12) of the server 100. The terminal device 210 is notified. Thereby, the import company B accesses the server 100 using the terminal device 210 and browses the invoice data.
[0052]
6) The financial institution A1 mails trade documents and bills of exchange to the financial institution B1 of the importing company B. At the same time, the SWIFT host 120 transmits a message requesting bill settlement to the company B's financial institution B1 using the interbank network (SWIFT).
[0053]
7) The financial institution B1 notifies the importing company B of the arrival of the trade documents (a telephone or a guide is used).
[0054]
8) Importing company B receives trade documents from financial institution B1 and pays or accepts bills. Or refuse to pay or accept. At this time, as described above, the customer REF number automatically assigned by the server 100 is automatically taken over by the terminal device 210 of the import company B during the payment instruction and transmitted to the financial institution B1. These payment information is transferred from the financial institution B1 to the export company A from the ED host 310 via the SWIFT host 320 as export bill settlement information (SWIFT message) together with the inherited customer REF number. The financial institution A1 is notified. At this time, since the SWIFT data includes the REF number field, the customer REF number is carried over to the SWIFT data and notified to the financial institution A1 together.
[0055]
9) In the financial institution A1, when the above message is received by the SWIFT host 120, the information is automatically connected to the business host system (not shown) in the line. Further, this information is automatically connected from the business host system to the EB host 110.
[0056]
10) The server 100 automatically receives information (data) in the EB host 110 by starting the timer.
[0057]
11) The transaction information including the contract information and the business partner information is collated with the settlement information on the server 100, and it is automatically determined whether the settlement processing is completed, settlement delay, shortage of money, payment refusal, and the like. Further, when the settlement process is completed, the stored transaction information is updated, and in the case of a settlement delay or a shortage of money, a delayed interest calculation or a shortage calculation process is performed.
[0058]
12) Unless it is determined that the settlement processing has been completed, the payment reminder is automatically transmitted from the server 100 to the importing company B.
[0059]
2 to 7 show a method of executing the debt collection management according to the present invention, which is executed by the server 100 in the flow of the processing among the companies A, B, the financial institution B1, and the financial institution A1. .
[0060]
As shown in these drawings, the server 100 executes the REF number issuing unit 11, the notifying unit 12, the matching unit 13, the updating unit 14, the calculating unit 15, and the output unit by executing the read program by the CPU. 16, a data storage unit 20 composed of a hard disk drive, a temporary data storage unit 22 composed of a RAM or the same hard disk drive, data input / output / storage / deletion / update For example, a communication unit 30 that communicates with the outside using a predetermined protocol is provided.
[0061]
As shown in FIG. 2, when transaction information including invoice data, contract information, business partner information, and the like is received by the communication unit 30 by the terminal device 200 of the export company A, the information is temporarily stored in the communication unit 30. It is stored in the temporary data storage unit 22.
[0062]
Then, the REF number issuing unit 11 automatically generates a unique (not two) customer REF number for each transaction information, adds it to the transaction information, and stores it in the data storage unit 20.
[0063]
Next, as shown in FIG. 3, the notifying unit 12 reads out the transaction information stored in the data storage unit 20, and reads the mail of the person in charge of the import company B included as the customer information from the information. The address is extracted, and the invoice data including the customer REF number is transferred as mail attachment data to the terminal device 210 of the import company B indicated by the mail address. Alternatively, a mail indicating the URL of the server 100 in which the invoice data including the customer REF number is stored as a message content is transferred, and the URL displayed on the browser of the terminal device 210 of the import company B is clicked. As a result, the invoice data including the customer REF number is taken into the terminal device 210 of the import company B.
[0064]
With the above processing, the invoice data with the customer REF number is read into the terminal device 210 of the import company B, so that the billing content and the amount of the export company A can be known.
[0065]
On the other hand, as described above, the export company A brings the trade documents including the bill of lading accompanying the export and the bill of exchange to the trading financial institution A1, requests the trading financial institution A1 to purchase the bill, and purchases it. I have. The financial institution A1 mails the trade documents and the bills of exchange to the trading financial institution B1 of the importing company B. At the same time, the SWIFT host 120 sends a message requesting the clearing of the bill to the interbank network (SWIFT). It is transmitted to the financial institution B1 of the company B, and the financial institution B1 notifies the importing company B of the arrival of the trade document. Based on this notification, the importing company B receives the trade documents from the financial institution B1 and pays or accepts the bill. Or refuse to pay or accept.
[0066]
At this time, the customer REF number automatically numbered by the server 100 is taken over by the terminal device 210 of the import company B during the payment instruction and transmitted to the financial institution B1. The settlement information is transferred from the financial institution B1 to the export company A as export bill settlement information (SWIFT message) from the ED host 310 via the SWIFT host 320 by SWIFT, together with the inherited customer REF number. The financial institution A1 is notified.
[0067]
In the financial institution A1, when the message is received by the SWIFT host 120, the information is automatically connected to a business host system (not shown) in the bank. Further, this information is automatically connected from the business host system to the EB host 110. Then, the server 100 automatically receives the settlement information (data) in the EB host 110 by starting the timer.
[0068]
The processing in the server 100 after the reception is shown in FIG. 4. The settlement information with the customer REF number is taken in by the communication unit 30 in the server 100 and stored in the temporary data storage unit 22. Then, the reconciliation processing unit 13 refers to the customer REF number and stores the corresponding transaction information (with the same customer REF number) stored in the data storage unit 20 (including contract information and business partner information). Are extracted, and a matching process is performed between these two pieces of information (settlement information and transaction information).
[0069]
As a result of the reconciliation processing performed by the reconciliation processing unit 13, if the two pieces of information match, it is determined that the bill has been paid according to the contract, and the renewal unit 14 determines that the receivables stored in the data storage unit 20 An erase update process is performed (actually, the data remains as a history, but a flag indicating that the erase process has been completed is set by the update process).
[0070]
On the other hand, FIG. 5 shows the processing contents of the server 100 when the payment of the bill by the importing company B is delayed from the scheduled date. As in the case of FIG. 4, the settlement information with the customer REF number is fetched by the communication unit 30 of the server 100 and stored in the temporary data storage unit 22. The corresponding transaction information (including the contract information and the customer information) (including the contract information and the customer information) stored in the data storage unit 20 (with the same customer REF number) is extracted, and further, both the information (the settlement information and the transaction information) are extracted. Information) is performed. At this time, when the reconciliation processing unit 13 determines that the payment date in the settlement information is later than the payment date specified in the transaction information, the calculation unit 15 informs the calculation unit 15 of the number of delay days and the contract information. Is transmitted, and the calculation unit 15 calculates the delayed interest. The calculated late interest is formatted by the output unit 16 as a reminder to pay, and then sent to the importing company B specified by the mail address in the business partner information via the communication unit 30. Is output.
[0071]
The calculation unit 15 performs a data update process to the effect that delayed interest remains as unpaid money (as viewed from the import company B) in the transaction information with the same customer REF number stored in the data storage unit 20. Do.
[0072]
FIG. 6 shows the processing contents of the server 100 in the case where the payment of the bill by the import company B is insufficient (less than the receivable). Similarly to the above case, when the settlement information with the customer REF number is taken in by the communication unit 30 of the server 100 and stored in the temporary data storage unit 22, the customer REF number is referred to by the matching processing unit 13. Then, the corresponding transaction information (with the same customer REF number) stored in the data storage unit 20 (including the contract information and the customer information) is extracted, and further, both of these information (the settlement information and the transaction information) are extracted. ) Is performed. At this time, if the reconciliation processing unit 13 determines that the settlement amount in the settlement information is different from the receivable specified in the transaction information, data such as the settlement amount and the receivable is sent to the calculation unit 15. In the calculation unit 15, the shortage amount is calculated. The calculated shortage amount is formatted by the output unit 16 as a reminder to pay, and then sent to the import company B specified by the mail address in the business partner information via the communication unit 30. Is output.
[0073]
The calculation unit 15 performs a data update process to the effect that the shortfall remains as unpaid money (as viewed from the import company B) in the transaction information with the same customer REF number stored in the data storage unit 20. Do.
[0074]
FIG. 7 shows the processing contents of the server 100 when the importing company B does not respond to the request for payment of the bill of the financial institution B1 and rejects the payment. In this case, when the communication unit 30 of the server 100 fetches information with the customer REF number including that the payment of the bill by the import company B has been refused, and stores the information in the temporary data storage unit 22, The processing unit 13 refers to this customer REF number and extracts corresponding transaction information (including contract information and business partner information) stored in the data storage unit 20 (with the same customer REF number), Further, a reconciliation process of these two pieces of information (payment refusal information and transaction information) is performed. At this time, the rejection information is transferred to the output unit 16 by the reconciliation processing unit 13, where it is arranged in a form as a payment reminder to inquire about the facts and reasons together. Is output via the communication unit 30 to the import company B specified by the e-mail address.
[0075]
The reconciliation processing unit 13 performs a data update process to the effect that the receivable remains as the unpaid money (as viewed from the importing company B) in the transaction information with the same customer REF number stored in the data storage unit 20. Do.
[0076]
FIG. 8 is a flowchart showing a flow of processing relating to the acquisition of transaction information corresponding to each processing of FIGS.
[0077]
As shown in the figure, when the transaction information is fetched from the terminal device 200 of the export company A into the temporary data storage unit 22 via the communication unit 30 of the server 100 (step S101), the REF number issuing unit 11 Issues a customer REF number (step S102).
[0078]
Next, it is checked whether or not there is a customer REF number in the transaction information in the temporary data storage unit 22 (step S103). If there is no such number (step S103; No), the process returns to step S102.
[0079]
Conversely, if there is a customer REF number in the transaction information (Step S103; Yes), the transaction information is stored in the data storage unit 20 (Step S104). Thereafter, the notifying unit 12 reads the newly stored transaction information, extracts the e-mail address of the person in charge of the import company B, which is the business partner, from the information, and reads the e-mail address of the import company B indicated by the e-mail address. The invoice data including the customer REF number is transferred to the terminal device 210 as attached data of the mail (step S105). Alternatively, as described above, the mail indicating the URL of the server 100 in which the invoice data including the customer REF number is stored as the content of the message is transferred and displayed on the browser of the terminal device 210 of the import company B. By clicking the URL, the invoice data including the customer REF number may be taken into the terminal device 210 of the import company B.
[0080]
FIG. 9 is a flowchart showing the flow of processing by the server 100 regarding the processing of clearing receivables and the processing of outputting a payment reminder corresponding to the processing of FIGS.
[0081]
As shown in the figure, the customer REF is sent from the SWIFT host 320 of the financial institution B1 to the SWIFT host 120 of the financial institution A1 and finally stored in the temporary data storage unit 22 of the server 100 via the ED host 110. Payment information including a number (including information for rejecting payment by Company B) is taken in (step S201).
[0082]
Then, the matching processing unit 13 extracts a customer REF number from the payment information (step S202). If there is no customer REF number in the payment information (step S203; No), the process returns to step S202.
[0083]
Conversely, if there is a customer REF number in the settlement information (step S203; Yes), the matching processing unit 13 refers to this customer REF number and searches for transaction information stored in the data storage unit 20. (Step S204).
[0084]
Here, it is checked whether or not there is transaction information of the same customer REF number (whether or not extracted) (step S205). If there is no transaction information of the same customer REF number (step S205; No), the above-mentioned step S204 is performed. To return.
[0085]
Conversely, if there is transaction information with the same customer REF number (step S205; Yes), the aforesaid processing unit 13 performs a comparison process of these two pieces of information (settlement information and transaction information) (step S206).
[0086]
In the reconciliation process, it is first checked whether or not the settlement information includes information indicating that the importing company B has refused the payment (step S207), and if the information indicates that the payment has been refused. If it is (Step S207; Yes), the output unit 16 outputs a payment reminder for inquiring together with the facts and reasons to the person in charge of the importing company B via the communication unit 30 (Step S208). .
[0087]
If the payment information does not include the information that the payment has been refused (step S207; No), it is checked whether or not the bill payment date by the importing company B has been paid within the payment deadline (step S209). If it is not performed within the time limit (step S209; No), the calculation unit 15 calculates the delayed interest (step S210), and the output unit 16 further imports the company B via the communication unit 30. Is output to the person in charge mail address (step S208).
[0088]
Conversely, if the bill payment date by the importing company B is within the payment deadline (step S209; Yes), it is checked whether the paid amount is the same as the amount specified in the contract information (step S209). If it is not the same (step S211; No), the shortage is calculated by the calculation unit 15 (step S212), and the output unit 16 sends the mail address of the person in charge of the import company B via the communication unit 30. The payment reminder is output to the address (step S208).
[0089]
On the other hand, if the paid amount is the same as the amount specified in the contract information (step S211; Yes), it is determined that both the transaction information and the settlement information match and the bill is paid according to the contract, and the above-mentioned update is performed. The reconciliation and reconciliation processing of the accounts receivable stored in the data storage unit 20 is performed by the unit 14 (step S213).
[0090]
The accountants at the export company A and the import company B can access the server 100 at any time by accessing the terminal devices 200 and 210 and designating the customer REF number. Settlement information / history information [Output of reminders for payment due to reconciliation of receivables / payment delays, shortage of money and refusal of payment / response status to the reminders for payment (such as the facts and reasons for refusal of payment, etc.) (Including an inquiry and its response)] and the like, so that data can be read from the data storage unit 20 and browsed.
[0091]
According to the embodiment of the present invention described in detail above, invoice data and settlement information corresponding to a bill of exchange are collected in the server 100, and the information is included in the server 100 when the transaction information is fetched. Since the customer REF number issued by the REF number issuance unit 11 is included, the matching process is performed based on the customer REF number. As a result, if the two information match, the information is automatically erased. Work can be performed.
[0092]
If the bill is paid but the payment date is later than the deadline, the delayed interest is calculated and a payment reminder is output to the mail address of the person in charge of the importing company B.
[0093]
Further, if the bill is paid, but the payment amount is smaller than the amount of the receivable, the shortage amount is calculated, and a payment reminder is output to the mail address of the person in charge of the importing company B.
[0094]
In addition, if the importing company B does not make the payment for any reason, a payment reminder to inquire about the facts and reasons together will be output to the email address of the person in charge of the importing company B.
[0095]
It should be noted that the debt collection management system of the present invention is not limited to the above-described embodiment, and it goes without saying that various changes can be made without departing from the spirit of the present invention. For example, in the above-described embodiment, the configuration is applied to the money collection method in which the exporting company A has the trading financial institution A1 purchase the bills of exchange, but the exporting company A exports through the trading financial institution B1 of the importing company B. Needless to say, the present invention can be applied to a case in which a payment is made to the importing company B instead of the company A.
[0096]
【The invention's effect】
As described above, according to the claim collection management method, the claim collection management system, the computer program, and the recording medium according to claims 1 to 19 of the present invention, the financial institution that has a transaction with the export company has It is possible to achieve an excellent effect that it is possible to reduce various operations involved in the collection and the collation work.
[0097]
Also, even if the payment of the importing company's payment is insufficient, or if the payment is made later than the due date, it is possible to automatically request the other party to reminder the shortage or request the payment of the delayed interest. It will be possible to further reduce the paperwork of the financial institution.
[0098]
In addition, even if the importing company refuses to make the payment or refuse to settle the underwriting, the exporting company's trading financial institution will not be able to collect the bills of exchange, and will It is necessary to make a claim for the price, but on behalf of the exporting company, it is possible to automatically submit a reminder to pay with the inquiry about the facts and reasons, thereby reducing the work load on the exporting company side. You will be able to do it.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram showing an embodiment configuration of a debt collection management system according to the present invention.
FIG. 2 is a functional block diagram illustrating processing in the server 100 when transaction information is input to the server 100.
FIG. 3 is a functional block diagram illustrating notification processing of invoice data from a server 100 to a partner importing company B.
FIG. 4 is a functional block diagram illustrating a joining process in the server 100 when payment information is received and an updating process in a case where the matching result matches.
FIG. 5 is a functional block diagram illustrating a matching process in the server 100 when payment information is received and a payment reminder output process when a payment is later than a deadline in a result of the matching.
FIG. 6 is a functional block diagram illustrating a match process in the server 100 when payment information is received and a payment reminder output process in a case where there is insufficient payment in the match result.
FIG. 7 is a functional block diagram illustrating a reconciliation process and an output process of a payment reminder to urge payment in the server 100 when information indicating that the import company B has rejected payment is received.
FIG. 8 is a flowchart showing a flow of processing relating to import of transaction information corresponding to each processing of FIGS. 2 and 3, issuance and storage of a customer REF number, and notification of invoice data.
FIG. 9 is a flowchart showing the flow of processing by the server 100 regarding the processing of clearing receivables and the processing of outputting a payment reminder corresponding to the processing of FIGS. 4 to 7;
[Explanation of symbols]
10 Operation control unit
11 REF number issuing unit
12 Notification section
13 Matching unit
14 Update section
15 Calculator
16 Output section
20 Data storage unit
22 Temporary data storage
30 Communication unit
100 servers
110, 310 ED host
120, 320 SWIFT host
200, 210 terminal device
A Exporting company
B Importing companies
A1, B1 trading financial institutions

Claims

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and the calculation control means performs an update process indicating that the payment has been completed for the stored transaction information. And a step of executing a debt collection management method.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
The calculation control means of the computer performs a matching process with the settlement information mainly on the customer REF number, and when it is determined that the payment date is delayed, if the payment date included in the contract information, Calculating the delayed interest by the arithmetic control means, and outputting a demand for payment of the delayed interest from the computer to the supplier address included in the supplier information of the transaction information. A debt collection management method characterized by being executed.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and when it is determined that the payment amount is insufficient, the calculation control means calculates the shortage amount. Executing a step of outputting a shortage payment reminder from the computer to a business partner address included in the business partner information of the business transaction information.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
A step in which payment refusal information or underwriting rejection information including the customer REF number is taken into the computer from the computer of the financial institution;
Based on the customer REF number, the calculation control means of the computer performs a reconciliation process with payment refusal information or underwriting rejection information, and, based on the stored transaction information, the supplier included in the supplier information. Outputting a payment reminder from the computer to the address.

If there is a response from the business partner to each of the payment reminder letters, the response is stored in the storage means of the computer as data on the status of payment or underwriting settlement in addition to the transaction information. The method according to any one of claims 2 to 4, wherein the method comprises the steps of:

The issued customer REF number is output from the computer to the computer that inputs the invoice data, the contract information, and the business partner information, and the computer on the input side is output based on the customer REF number. The claim collection management method according to any one of claims 1 to 5, wherein in response to the inquiry request, a status relating to the current payment or settlement of the underwriting is presented from the computer.

A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
And a renewal means for performing an update process for completing the settlement of the stored transaction information when the two pieces of information match.

A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
Calculating means for calculating the delayed interest based on the delayed interest data in the payment terms included in the contract information, if it is determined that the payment date is delayed during the matching of the payment conditions at the time of the matching,
An output means for outputting a reminder for payment of the interest to be deferred to a business partner address included in the business partner information of the business transaction information.

A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment information including the customer REF number is taken in from the financial institution, a reconciliation processing means for performing reconciliation processing with the payment information, centering on the customer REF number;
When it is determined that the amount of payment is insufficient at the time of the match, calculating means for calculating the amount of the shortage,
A debt collection management system, comprising: output means for outputting a shortage payment reminder to a supplier address included in the supplier information of the transaction information.

A customer REF number is issued when invoice data corresponding to a bill of exchange for which a purchase or collection request has been made to a predetermined financial institution is taken in as transaction information together with contract information and payment partner information including payment conditions and the like. Issuing means,
Storage means for storing the issued REF number together with the transaction information;
Notifying means for outputting invoice data including the customer REF number to a supplier address included in the supplier information;
When payment refusal information or underwriting refusal information including the customer REF number is fetched from the financial institution, reconciliation processing means for performing reconciliation processing with the payment refusal information or underwriting rejection information, centering on the customer REF number,
An output means for outputting a payment reminder to a supplier address included in the supplier information of the transaction information corresponding to the customer REF number.

When there is a response from the business partner to each of the payment reminder letters, the response is stored in the storage unit as data on the status of payment or underwriting settlement in addition to the transaction information. The debt collection management system according to any one of claims 8 to 10.

The customer REF number issued by the issuing means is also notified by the notifying means to the party who inputs the invoice data, contract information and business partner information, and the customer REF number is input based on the customer REF number. The claim collection management system according to any one of claims 7 to 11, wherein a status relating to the current payment or settlement for the underwriting is presented in response to an inquiry on the side.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and the calculation control means performs an update process indicating that the payment has been completed for the stored transaction information. And a computer program for causing the computer to execute the steps.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
If the calculation control means of the computer performs a reconciliation process with the settlement information mainly on the customer REF number and determines that the payment date is delayed, the interest payment data in the payment terms included in the contract information Calculating the delayed interest by the arithmetic control means, and outputting a reminder for payment of the delayed interest from the computer to the supplier address included in the supplier information of the transaction information. A computer program that is executed by the computer.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
Receiving payment information including the customer REF number from the computer at the financial institution into the computer;
Based on the customer REF number, the calculation control means of the computer performs a matching process with the settlement information, and when it is determined that the payment amount is insufficient, the calculation control means calculates the shortage amount. Outputting a shortage payment reminder from the computer to a business partner address included in the business partner information of the business transaction information.

Invoice data corresponding to a bill of exchange purchased or requested to be collected by a predetermined financial institution is taken into the computer as transaction information together with contract information and business partner information including payment conditions and the like,
A step of issuing a customer REF number by the computer at the time of capturing the transaction information together with the capture of the information, and storing the customer REF number in the storage means of the computer together with the transaction information;
Outputting invoice data including the customer REF number from the computer to the supplier address included in the supplier information;
A step in which payment refusal information or underwriting rejection information including the customer REF number is taken into the computer from the computer of the financial institution;
Based on the customer REF number, the calculation control means of the computer performs a reconciliation process with payment refusal information or underwriting rejection information, and, based on the stored transaction information, the supplier included in the supplier information. Outputting the payment reminder from the computer in response to the address.

When there is a response from the business partner to each of the payment reminder letters, the response is stored in the storage means of the computer in addition to the transaction information as data on the status of payment or underwriting settlement. The computer program according to any one of claims 14 to 16, wherein:

The issued customer REF number is output from the computer to the computer that inputs the invoice data, the contract information, and the business partner information, and the computer on the input side is output based on the customer REF number. The computer program according to any one of claims 13 to 17, wherein a status relating to the current payment or settlement for the underwriting is presented from the computer in response to the inquiry request of (1).

A computer-readable recording medium storing the computer program according to any one of claims 13 to 18.