JP2005056182A - Loan collection system corresponding to account receivable, and loan collection method corresponding to account receivable - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a loan collection system which is a system for collecting loans corresponding to account receivable, can flexibly cope with variation of account receivables, and can also contribute to increase efficiency of operation of a borrower and a lender, while surely carrying out recovery from a recovery fund concerning account receivable for the loan object. <P>SOLUTION: A financial institute makes a loan corresponding to recovery due date and a credit amount of accounts receivable of a borrower. Payment from a trade debtor is received by a recovery account for the account receivable, matched with a credit sale detail with the keys of a payment person and payment date and accounts receivable are specified, and furthermore, a loan corresponding to the accounts receivable concerned is specified. A fund paid is debitted from the recovery account for the amount of scheduled payment of the specified loan. If a balance remains after the debiting, it is received by a checking account usually used the borrower, and if the payment amount runs short, then, the shortfall is debitted from the checking account which the borrower usually use. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a loan collection system and a loan collection method for collecting a loan from funds collected for a trade receivable subject to a loan after executing a loan corresponding to the trade receivable.

  When sales are recorded by selling products or services in transactions between companies, it is common that a certain time limit is set for payment of the sales price. Receivables related to receipt of such sales prices are called trade receivables, but there are cases where the seller must pay the purchase price of raw materials before collection of trade receivables. Often occurs. In order to meet these demands for funds, financial institutions fund sellers' receivables by discounting bills issued by sellers and cashing them, or factoring to purchase receivables held by sellers. A service is being provided.

  Among these, regarding factoring, inventions relating to computer systems for improving the efficiency of identification of required receivables and necessary procedures (for example, see Patent Document 1 and Patent Document 2) are disclosed.

  The method of financing sellers' receivables is not limited to the method in which financial institutions purchase bills and receivables as described above, but it corresponds to loans secured by receivables and accounts receivable amount and collection period. Loans are also being implemented. The former collects accounts receivable as collateral for the loan, and in the unlikely event, the money collected from the seller is used to repay the loan. With regard to the latter, there is a high probability that deposits equivalent to the amount of receivables will be made on the due date for collection of accounts receivable. The loan will be executed by the due date.

  As a technique for efficiently performing such financing, an invention that systematizes a procedure for executing a loan secured by an account receivable (see, for example, Patent Document 3), an allowance for an account receivable An invention (for example, refer to Patent Document 4) that systematizes a procedure up to execution of a loan is disclosed.

JP 11-96247 A JP-A-11-96262 JP 2001-319060 A JP 2003-99612 A

  Of the above methods, loans that correspond to accounts receivable in particular are used from the procedural aspect of the lenders in that they do not require procedures such as acceptance of accounts receivable on accounts receivables and collateral setting. It is a technique that is easy to do. On the other hand, since receivables are not transferred and collateral is not set on the receivables, it is confirmed that collection of receivables is certain as a problem in credit management and The challenge is to ensure that funds received for credits are held down for loan repayment.

  In response to such a problem, the invention described in Patent Document 4 automatically issues a transfer request form for automatically transferring repayment funds from the borrower's account to the lender's account on the scheduled payment date of the accounts receivable. Therefore, the borrower is required to make a repayment of the repayment funds to ensure the repayment of the loan. However, the present invention still has the following problems.

  First, since the above transfer request form must be prepared by the borrower, if the borrower does not create the transfer request form after executing the loan, or the transfer request form is incomplete at the financial institution If the payment is not accepted, the payment of the repayment funds is not secured because the transfer is not executed. As described above, the method using the transfer request form has a limitation that a reliable procedure of the borrower is assumed. In other words, it is preferable to use means that does not require the creation of an individual transfer request form in order to ensure that the funds received corresponding to the accounts receivable are used for repayment.

  From the borrower's point of view, the problem of having to create a transfer request form for each trade receivable corresponding to the loan occurs. Therefore, for example, if there are multiple accounts receivable with the same due date for one seller, it is necessary to create as many receivables as the number of accounts receivable. Loans to be made are difficult, and even if the borrower collects the money from the seller in a lump sum, the received funds are divided into small accounts by receivables and transferred to the lender. The problem of increased costs also arises. In addition, after the receivables are generated, for example, if the payment date is extended in accordance with the cash flow of the receivable, the transfer that has already been set can be canceled to change the transfer date to the lender. A new transfer request form must be submitted. As described above, the collection of repayment funds by a transfer request form is preferably a more flexible method because it takes procedural effort and has limitations in dealing with variations in sales receivables.

  In addition, as a problem of repayment of borrowings in advance by the transfer request form, if the receivables are received before the scheduled payment date, the payment date of the repayment funds set in advance There is also a problem that a time lag occurs and funds to be used for repayment are accumulated in the borrower's account between the payment date and the transfer date. In the meantime, the borrower may divert the repayment funds, and there is a risk that the repayment funds cannot be secured. In order to deal with such a problem, it is preferable that when an account receivable is deposited, it is promptly applied to repayment of the loan regardless of the repayment date.

  In addition, as a trend in financial services including recent loans, not only lending and borrowing funds, but also from the borrower's side, efficient borrowing from the borrower's side is efficient borrowing and deposit management. Risk management of the entire portfolio of loan receivables is an important issue, as well as the maintenance of individual loan receivables. Considering financing for trade receivables, the former will promptly move funds to and from the current account held by the borrower in the event of contract repayment and excess or deficiency in the collection of accounts receivable. It is preferable. Regarding the latter, it is preferable not only to reliably collect the loan but also to be able to easily grasp the maintenance status of the loan receivable by specifying the receivable receivable corresponding to the remaining loan receivable.

  The present invention has been made in response to such a problem, and after executing a loan corresponding to an account receivable, a loan for recovering the loan from the collected funds related to the account receivable subject to the loan. This is a collection system that ensures the collection of funds collected from accounts receivable, and can respond flexibly to variations in accounts receivable, improving the efficiency of borrowers and lenders. An object of the present invention is to provide a loan collection system that contributes and a loan collection method using the loan collection system.

  In order to solve these problems, the present invention provides a deposit details storage for storing a deposit detail including at least one of a depositor, a deposit amount, or a deposit date in a collection account for accounts receivable held by a borrower. And an accounts receivable item storage unit for storing an account receivable item including at least one of an account receivable of the account receivable, an amount of receivable, or a scheduled collection date, and executed in correspondence with the account receivable Loan details storage means for storing the loan details of the loan with an approach number corresponding to the accounts receivable details and the payment details stored in the receipt details storage means are stored in the accounts receivable details storage means. A receivable specification specifying means for specifying a corresponding receivable specification by checking with a receivable specification, and a receivable specification specified by the receivable specification specifying means with a loan specification stored in the loan specification storage means The corresponding loan details And a debit processing means for deducting at least a part of the deposit amount corresponding to the deposit details from the collection account in order to apply at least a part of the deposit amount corresponding to the loan details to the scheduled repayment. A loan collection system for collecting a loan corresponding to an account receivable, wherein the account receivable specification means includes the depositor and the account receivable, or the deposit amount and the claim amount, or the deposit date. And at least one of the scheduled collection dates is identified to specify the accounts receivable details, and the loan statement specifying means specifies the loan details using the approach number as a key.

  In this invention, when deposits for accounts receivable are made to a collection account, a loan corresponding to the accounts receivable is quickly identified and used for contract repayment by debiting from the collection account. For loans that correspond to the receivables that have been deposited, for deposits into the collection account, the corresponding receivables are specified by matching the depositor, the deposit date, etc. with the accounts receivable of the accounts receivable and the scheduled collection date. Then, the loan executed corresponding to the trade receivable can be identified using the approach number in which the trade details and the loan details are linked in advance as a key. Matching of the deposit details and the accounts receivable details deposited in the collection account can be performed by collating the depositor, deposit amount or date of receipt attached to the deposit details with the accounts receivable details.

  Further, in the present invention, the accounts receivable specification specifying unit is configured such that the depositor relating to the receipt details and the accounts payable relating to the receipt details, or the receipt date relating to the receipt details and the collection date relating to the receipt details For an account receivable item that matches at least one of the items, if the deposit amount exceeds the bond amount, a plurality of accounts receivable items can be specified for one deposit item. When specifying a plurality of accounts receivable details for one receipt details, the accounts receivable specification specifying unit identifies the accounts receivable details corresponding to the one receipt details in order from the earliest expected collection date. It is good. The said accounts receivable specification specifying means, when specifying a plurality of accounts receivable details for one receipt details, identifies the accounts receivable details corresponding to the one receipt details in descending order of the amount of the claim amount. Also good.

  Payment of accounts receivable to collection accounts is not necessarily made in a one-to-one correspondence with each claim, and there are cases where a plurality of receivables are deposited together. In such a case, one-to-many matching can be performed on the condition that the depositor and the account receivable match, or the deposit date and the scheduled collection date match, and a plurality of account details can be associated with one deposit detail. By managing a plurality of accounts receivable details, it is possible to deal with a large amount of financing for a large amount of accounts receivable. In associating a plurality of accounts receivables, it is preferable from the viewpoint of claims protection that priority is given to the one with the earlier scheduled collection date, and priority is given to the one with a large amount of credits.

  Further, in the present invention, the withdrawal processing means, when the deposit amount is insufficient for the repayment amount of the contracted repayment, a withdrawal process for withdrawing the amount insufficient for the repayment amount from another deposit account of the borrower. It can also be characterized by performing.

  If the amount deposited in the collection account is insufficient for the repayment amount on the scheduled collection date, it may be considered that there is a shortage of deposits for accounts receivable and there is a concern about the protection of claims. Therefore, it is preferable to set so that the insufficient repayment amount is withdrawn from another deposit account of the borrower. As the other deposit account here, for example, a current account for settlement, which is normally used by the borrower, is used. If comprised in this way, even if it is a case where repayment amount is insufficient, a quick collection | recovery of money will be attained.

  Furthermore, the present invention includes a deposit processing means for depositing the deposit amount relating to the deposit details for which the corresponding account details could not be identified in the account receivable identifying means into another deposit account of the borrower. Can also be characterized.

  If the loan amount is determined by multiplying the amount of accounts receivable by a certain amount, the amount deposited into the collection account will exceed the agreed repayment amount. In such a case, it is preferable to set so that the borrower can make a quick deposit into the other deposit account of the borrower so that the surplus can be used effectively. For the other deposit accounts, for example, the current account for settlement, which is normally used by the borrower, is used as in the case of the withdrawal. If comprised in this way, even if it is a case where repayment amount exceeds, a borrower will be able to utilize money efficiently.

  Further, according to the present invention, when a loan corresponding to the accounts receivable details stored in the accounts receivable statement storage means is executed and the details of the loan related to the loan are stored in the loan details storage means, It is also possible to provide an approach number assigning means for assigning.

  In the present invention, since it is necessary to assign an approach number for matching the accounts receivable details and the loan details, it is possible to provide the approach numbers without omission by configuring the approach numbers to be provided when newly storing the loan details. Can be given.

  Furthermore, the present invention obtains a receivable item from the receivable item storage unit, acquires a loan item from the loan item storage unit, and attaches information to the association between the receivable item and the loan item A loan balance statement creating means for creating a balance statement can be provided.

  The loan balance statement that links the accounts receivable details and the loan details created by configuring in this way is for the borrower to grasp the prospect of cash flow due to the collection of accounts receivable, the borrowing balance and the borrowing capacity. It is effective for lenders to understand the loan balance and the maintenance status of the loan. From the lender, it is also possible to improve the customer service by creating and providing the borrower with a calculation statement describing the repayment status of the loan and the collection status of the accounts receivable corresponding thereto.

  Furthermore, this invention can also be comprised as a loan collection method using the loan collection system corresponding to an accounts receivable corresponding to each structure of the loan collection system corresponding to the accounts receivable concerning this invention.

  According to the present invention, in the collection of loans corresponding to accounts receivables, it is possible to ensure the collection of loans from the collected funds related to accounts receivables, as well as variations in the method of deposits from the subject accounts receivable and accounts receivable. Can also respond flexibly.

  For the borrower, it becomes easier to raise funds until collection of accounts receivable, and surplus generated during collection can be used promptly, enabling efficient fund management. For lenders, it is possible to strengthen the means of loan protection for loans that correspond to trade receivables, and by clarifying the correspondence between trade receivables and loan receivables, it is possible to easily understand the status of loan receivable maintenance. it can.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. The following description is an example of a loan collection system according to the present invention, and the present invention is not limited to such an embodiment.

  FIG. 1 is a diagram showing a loan collection scheme according to the present invention. FIG. 2 is a block diagram showing the configuration of the loan collection system according to the present invention. FIG. 3 is a diagram showing an example in which an approach number is assigned to an account receivable item and a loan item in the loan collection system according to the present invention. 4-6 is a figure which shows an example of a payment | payment specification, an account receivable specification, and a loan specification used in the loan collection | recovery system concerning this invention, respectively. 7 to 10 are a first example, a second example (when the deposit amount is insufficient), and a third example (when the deposit amount exceeds), respectively, of the loan collection by the loan collection system according to the present invention. FIG. 10 is a diagram showing a fourth example (when a plurality of accounts receivable are simultaneously deposited). FIG. 11 is a flowchart showing the flow of the loan collection method according to the present invention.

  The loan collection scheme according to the present invention will be described with reference to FIG. A financial institution such as a bank obtains the details of the accounts receivable from the borrower, and executes financing according to the collection date and the amount of the accounts receivable. Deposits from the accounts receivable related to the accounts receivable are credited to a dedicated account provided for the collection of accounts receivable. Note that the accounts receivable may be collected using the checking account that the borrower normally provides for depositing and withdrawing funds, but in order to accurately match the deposited funds with the accounts receivable, It is preferable to use a dedicated account.

  With respect to the funds deposited in the collection dedicated account, the corresponding loan is identified from the information on the depositor and the deposit date, and the withdrawal processing is executed from the collection dedicated account for the promised repayment of the loan. The loan is specified in the order of specifying the receivables corresponding to the received funds and specifying the loan executed corresponding to the receivables. For the former, it is sufficient to use a commonly used method for clearing accounts receivable. For example, a method of requesting an identification number at the time of remittance from an account receivable can be used.

  When the withdrawal process is performed, a process for reducing the loan balance is executed for a loan account such as an overdraft account or a loan account, reflecting the repayment of the loan. If there is a balance after the withdrawal process, the balance is processed into the checking account normally used by the borrower. On the other hand, if the amount of funds deposited in the collection-only account is insufficient for the repayment amount due to unpaid receivables, partial deposits, etc., the current amount that the borrower normally uses for the shortage The withdrawal process is executed from the deposit account.

  In FIG. 2, the loan collection system according to the present invention is configured as a part of the bank system 10. The bank system 10 includes a transfer processing unit 11, a detail matching unit 12, a withdrawal processing unit 13, a collection account ledger database 14, a deposit account ledger database 15, an accounts receivable statement database 16, a loan statement database 17 and a bank account ledger database 18. The bank system 10 is connected to the accounts receivable terminal 20 and the ATM 30 through a communication network.

  A financial institution such as a bank obtains the details of the accounts receivable held by the borrower from the borrower, executes a loan in accordance with the collection date of the account receivable and the amount of receivable, and responds to the accounts receivable and the loan. In order to clarify the relationship, an approach number that links each detail is given. FIG. 3 shows an example in which an approach number is assigned to a loan executed in response to an accounts receivable. The loan details corresponding to the accounts receivable are attached with the same approach number and linked. Yes. Such loans are generally executed with a loan amount obtained by multiplying the amount of receivables receivable by a certain degree of safety in consideration of the collection date of receivables. No work number is given to the accounts receivable details for which the loan has not been executed.

  In this way, the details of the receivables acquired from the borrower are stored in the accounts receivable database 16 and the details of the executed loan are stored in the loan details database 17 with an approach number. What is necessary is just to comprise so that provision of an approach number may be automatically given to each specification at the time of the input of the specification from the administrator terminal etc. of the bank system 10. FIG. 5 is an example of the accounts receivable details database 16, and a record provided for each account receivable includes a scheduled collection date, an account receivable, an amount of receivable, and an approach number. If the corresponding loan has not been executed, the field of the approach number is blank. FIG. 6 is an example of the loan statement database 17, and a loan amount, a repayment date, and an approach number are recorded in a record provided for each loan receivable.

  The account receivable from which the borrower has sold the goods, etc., pays the price to the account designated by the borrower by transfer or the like using the account receivable terminal 20 or ATM 30 when the account receivable date arrives. The transfer procedure is accepted by the transfer processing unit 11, the deposit process is executed, and the deposit details are stored in the corresponding collection account in the collection account ledger database 14. You can use the checking account that the borrower has set up for deposits and withdrawals of funds as the depositor of the accounts receivable, but in order to accurately match the funds received and the accounts receivable, It is preferable to provide a dedicated account that only manages collection of accounts receivable.

  The payment details relating to the accounts receivable thus created are matched with the accounts receivable details in the accounts receivable details database 16 in the statement matching unit 12 to identify the corresponding accounts receivable details. FIG. 4 is an example of the deposit details stored in the collection account ledger database 14, but when matched with the example of the accounts receivable details database 16 shown in FIG. 5, the deposit from the A company of the first record in FIG. However, it can be specified that it is an account receivable for A Trading in the top record in FIG. In this way, matching with the accounts receivable details is performed by collating the depositor of the receipt details, the receipt date, etc. with the accounts receivable of the account details, the scheduled collection date, etc.

  When the accounts receivable details corresponding to the receipt details are specified, the statement matching unit 12 then matches the specified accounts receivable details with the loan details database 17 to identify the loan details corresponding to the receipt details. Matching with the loan details is performed using the approach number given at the time of loan execution as a key. In the example of the accounts receivable details database 16 in FIG. 5, the first record is assigned with an approach number 1-01, and the field relating to the approach number in the loan statement database 17 is searched to obtain the top record. The record assigned with the approach number 1-01 is specified. On the other hand, since the approach number is not given to the second and third records, there is no corresponding loan, and the loan corresponding to the receivable is not executed.

  When the loan details corresponding to the payment details are specified in this way, the withdrawal processing unit 13 withdraws the amount of the promised repayment of the loan from the collection account, and stores the amount after the withdrawal in the collection account ledger database 14. At the same time, the bank account ledger database 18 executes a process of reducing the amount of the loan receivable and the overdraft account and reflecting the promised repayment of the loan details in the bank account.

  On the other hand, with respect to the deposit for which the corresponding loan details are not specified, for example, the deposit corresponding to the second and third records of the deposit details shown in FIG. The deposit process is executed on the current account of the current account, and the balance after the deposit is stored in the corresponding account portion of the deposit account ledger database 15.

  Thus, in order to specify the loan details corresponding to the funds deposited in the collection account, it is first necessary to identify the depositor of the funds deposited in the collection account. In order to specify the depositor, for example, a general method currently used such as a method of requesting an identification number at the time of remittance from an account receivable may be used.

  In the above example, the case has been described in which the amount deposited in the collection account is the same as the promised repayment amount of the corresponding loan, and the entire amount is used for repayment of the borrowed money. On the other hand, when the amount of money received exceeds or falls short of the scheduled repayment, when the payments related to a plurality of accounts receivable are collected together, the matching process is different.

  First, FIG. 7 shows the flow of loan collection in the same case as described so far, in which the amount deposited in the collection account is the same as the promised repayment amount of the corresponding loan. Here, the payment details correspond to the accounts receivable details on a one-to-one basis, and the loan amount of the loan statement having the same approach number is also the same as the amount received. In such a case, the amount deposited in the collection account may be withdrawn as it is to repay the bank loan account.

  FIG. 8 shows a loan collection flow in the case where the amount deposited in the collection account is insufficient for the contracted repayment amount of the corresponding loan. If only 100 million yen, which is a part of 200 million yen receivables, is deposited and only 100 million yen can be used to repay the loan amount of 200 million yen, the borrower usually takes care of the shortage of 100 million yen The deduction from the current account used is executed. By setting a debit for the shortage in this way, the financial institution can quickly recover the debt from the general property of the borrower even when the credit uncertainty of the account receivable becomes obvious.

  FIG. 9 shows a loan collection flow in the case where the amount deposited into the collection account exceeds the agreed repayment amount of the corresponding loan. If a loan of 120 million yen is executed for a 150 million yen receivable, with a safety measure, if 150 million yen of the receivable is credited, 1 part of the scheduled repayment It will be appropriated to 200 million yen, and 30 million yen will be left in the collection account. This surplus is immediately credited to the checking account normally used by the borrower, so that the borrower can use the funds effectively.

  FIG. 10 shows a loan collection flow in the case where the amount deposited into the collection account corresponds to two or more accounts receivable details. For an amount of 200 million yen, the receivable amount is 1 for the accounts receivable with the receipt details of the receipt details and the receipt date of the receipt details and the collection date of the accounts receivable. Only one case of ¥ 500 million. The difference of 50 million yen is thought to be that the account receivable has been credited together with other accounts receivables. Are compared in order from the earliest collection date, and whether or not the amount of accounts receivable matches the above difference. In the example of FIG. 10, since the receivable amount of the second receivable item matches 50 million yen, the receivable is presumed that the two receivable items have been credited together. be able to.

  Two loan details are specified with the approach number as a key for the accounts receivable details specified by matching as described above. A total of 160 million yen will be deducted from the collection account for the scheduled repayment of each loan, and 40 million yen of surplus will be immediately credited to the checking account normally used by the borrower. In this way, by making it possible to handle collection when multiple accounts receivable are collected together by the account receivable, it is possible to execute a loan of a large amount for a large amount of accounts receivable Become.

  The data of the accounts receivable statement database 16 shown in the example of FIG. 5 and the data of the loan statement database 17 shown in the example of FIG. 6 can be configured to be viewed from a terminal operated by the borrower or the lender. preferable. If comprised in this way, while a borrower grasps | ascertains own loan balance, it will become possible to consider a cash flow with reference to an accounts receivable specification. Lenders such as financial institutions can also refer to their loan portfolio and their maintenance status at any time.

  The flow of the loan collection method according to the present invention will be described using the flowchart of FIG. First, when payment is made from a sales account to a collection account, the payment details relating to the payment are acquired from the collection account ledger database (S01). The acquired receipt details are matched with the accounts receivable details with reference to the accounts receivable details database (S02), and it is confirmed whether the corresponding accounts receivable details exist (S03). If there is no corresponding accounts receivable details, the received funds are not related to the accounts receivable and cannot be reserved for loans, and they are directly added to the borrower's checking account (S04). After the processing is completed, the borrower can freely deposit and withdraw the deposited funds.

  When there is a corresponding receivable item, the receivable item identified next is matched with the loan item with reference to the loan item database (S05), and it is confirmed whether the corresponding loan item exists ( S06). If there is no corresponding loan statement, it is assumed that the funds received have not been allocated to the loan, and the current account of the borrower is deposited as it is and the processing is terminated (S04), and the borrower is deposited. It becomes possible to deposit and withdraw funds freely.

  If there is a corresponding loan statement, it is confirmed whether or not the amount deposited in the collection account is sufficient for the contracted repayment amount of the loan statement (S07). If the amount is not sufficient for the scheduled repayment, firstly, a process of applying the deposit amount to the repayment of the loan is executed (S08), and the shortage is deducted from the current account held by the borrower (S09), and the process is terminated.

  When the contract repayment is sufficient, first, a process of applying the deposit amount to the repayment of the loan is executed (S10), and it is confirmed whether or not there is a residual after the repayment is applied (S11). If there is no residue, the process is terminated as it is.

  If there is a balance, other accounts receivable may be paid together from the accounts receivable, so the loan details corresponding to other accounts receivable related to the accounts receivable owned by the borrower Are matched (S12), and it is confirmed whether there is a corresponding loan statement (S13). If there is no corresponding loan statement, the remaining funds are deposited into the borrower's checking account (S14), and the process ends.

  If there is a corresponding loan statement, it is confirmed whether or not the remaining amount is sufficient for the agreed repayment amount of the loan statement (S15). If the amount is not sufficient for the scheduled repayment, a process for allocating the remaining amount to the repayment of the loan is executed (S16), and the process is terminated, and the loan receivable continues for the shortage. When the contract repayment is sufficient, the remaining amount is used for the repayment of the loan (S10), and further, it is confirmed whether or not the remainder is generated after the repayment (S11).

It is a figure which shows the scheme of the loan collection | recovery by this invention. It is a block diagram which shows the structure of the loan collection | recovery system concerning this invention. In the loan collection system concerning this invention, it is a figure which shows an example which assign | provides an approach number to an account receivable statement and a loan statement. It is a figure which shows an example of the deposit details used in the loan collection | recovery system concerning this invention. It is a figure which shows an example of the account receivable specification used in the loan collection | recovery system concerning this invention. It is a figure which shows an example of the loan details used in the loan collection | recovery system concerning this invention. It is a figure which shows the 1st example of the loan collection | recovery by the loan collection | recovery system concerning this invention. It is a figure which shows the 2nd example (when deposit amount is insufficient) by the loan collection | recovery system by the loan collection | recovery system concerning this invention. It is a figure which shows the 3rd example (when deposit amount exceeds) of the loan collection by the loan collection system concerning this invention. It is a figure which shows the 4th example (when several accounts receivable are received simultaneously) of the loan collection by the loan collection system concerning this invention. It is a flowchart which shows the flow of the loan collection method concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Bank system 11 Transfer processing part 12 Detail verification part 13 Withdrawal processing part 14 Collection account ledger database 15 Deposit account ledger database 16 Accounts receivable details database 17 Loan details database 18 Bank account ledger database 20 Accounts receivable terminal 30 ATM

Claims (16)

A deposit detail storage means for storing a deposit detail including at least one of a depositor, or a deposit amount, or a deposit date, into a collection account for accounts receivable held by a borrower;
Accounts receivable item storage means for storing accounts receivable items including at least one of accounts receivables of the accounts receivables, amount of receivables, or scheduled date of collection
Loan details storage means for storing the loan details of the loan executed in response to the accounts receivable with an approach number corresponding to the accounts receivable details;
Receivable item specification means for specifying the corresponding account details by comparing with the account details stored in the accounts receivable item storage means for the receipt details stored in the receipt details storage means;
Loan details specifying means for specifying the corresponding loan details by comparing with the loan details stored in the loan details storage means for the accounts receivable details specified by the accounts receivable specification means;
A withdrawal processing means for performing a withdrawal process for withdrawing from the collection account in order to allocate at least a part of the deposit amount corresponding to the receipt details to the contract repayment corresponding to the loan details;
A loan collection system for collecting loans corresponding to accounts receivable with
The accounts receivable specification means specifies the accounts receivable details by collating at least one of the depositor and the account receivable, or the deposit amount and the claim amount, or the receipt date and the collection date,
The loan statement specifying means specifies a loan statement using the approach number as a key. The accounts receivable specification specifying means matches at least one of the depositor associated with the receipt details and the account payable associated with the receipt details, or the receipt date associated with the receipt details and the scheduled collection date associated with the receipt details. The loan collection system according to claim 1, wherein a plurality of accounts receivable specifications are specified for one receipt details when the receipt amount exceeds the claim amount. When specifying a plurality of accounts receivable details for one receipt details, the accounts receivable specification specifying unit identifies the accounts receivable details corresponding to the one receipt details in order from the earliest expected collection date. The loan collection system according to claim 2. The said accounts receivable specification specifying means, when specifying a plurality of accounts receivable details for one receipt details, identifies the accounts receivable details corresponding to the one receipt details in descending order of the amount of the receivable. The loan collection system according to claim 2. The withdrawal processing means performs a withdrawal process for withdrawing an amount insufficient for the repayment amount from another deposit account of the borrower when the payment amount is insufficient for the repayment amount of the contracted repayment. The loan collection system according to any one of claims 1 to 4. The said accounts receivable specification means comprises a deposit processing means for depositing the deposit amount relating to the deposit details for which the corresponding account details could not be identified into another deposit account of the borrower. The loan collection system according to any one of 1 to 5. In the withdrawal processing means, when the deposit amount exceeds the repayment amount of the contracted repayment, a second deposit is performed for depositing surplus appropriated for repayment to another deposit account of the borrower. The loan collection system according to claim 1, further comprising a processing unit. When a loan corresponding to the accounts receivable details stored in the accounts receivable statement storage means is executed and the details of the loan relating to the loan are stored in the details of the loan details storage means, an approach number is assigned to assign an approach number to the loan details. The loan collection system according to claim 1, further comprising means. A loan that acquires a receivable item from the receivable item storage unit, acquires a loan item from the loan item storage unit, and creates a loan balance item with information on the association between the item of the receivable item and the loan item The loan collection system according to claim 1, further comprising a balance statement creation unit. Regarding the deposit details stored in the deposit details storage device in which the computer stores the receipt details including at least one of the deposit amount or the deposit date, or the deposit amount to the account for collecting the accounts receivable held by the borrower. A receivable item corresponding to the receivable item stored in the receivable item storage device that stores the receivable item including the receivables of the receivable receivable, the receivable amount, or at least one scheduled collection date. Identify the receivable item identification step,
The computer stores the loan details of the loan executed corresponding to the accounts receivable with the approach number corresponding to the accounts receivable for the accounts receivable specified in the accounts receivable specification step. A loan statement identification step for identifying the corresponding loan statement by matching the loan statement stored in the loan statement storage device;
A withdrawal process step in which the computer performs a withdrawal process in which at least a part of the deposit amount corresponding to the receipt details is withdrawn from the collection account in order to be used for the scheduled repayment corresponding to the loan details;
A loan collection method for collecting a loan corresponding to an accounts receivable having
In the accounts receivable specification step, the account details are specified by collating at least one of the depositor and the account receivable, the deposit amount and the claim amount, or the receipt date and the scheduled collection date. ,
In the loan specification specifying step, a loan specification is specified using the approach number as a key. In the account receivable specification step, at least one of the depositor relating to the receipt details and the account payable relating to the receipt details, or at least one of the receipt date relating to the receipt details and the scheduled collection date relating to the receipt details is coincident. The loan collection method according to claim 10, wherein a plurality of accounts receivable specifications are specified for one receipt details when the deposit amount exceeds the credit amount. A second withdrawal processing step in which the computer performs a withdrawal process for withdrawing the amount of money that is insufficient for the repayment amount from another deposit account of the borrower when the amount of payment is insufficient for the repayment amount of the contracted repayment The loan collection method according to claim 10 or 11, characterized by comprising: The computer has a deposit processing step of depositing a deposit amount relating to a deposit detail for which a corresponding account detail cannot be identified in the account detail identifying step into another deposit account of the borrower. The loan collection method according to any one of claims 10 to 12. In the withdrawal process step, when the deposit amount exceeds the repayment amount for the scheduled repayment, the computer performs a deposit process for depositing surplus funds appropriated for repayment to another deposit account held by the borrower. The loan collection method according to claim 10, further comprising a second deposit processing step. When the computer executes a loan corresponding to the accounts receivable details stored in the accounts receivable statement storage device and stores the details of the loan related to the loan in the loan details storage means, an approach number is assigned to the loan details. The loan collection method according to claim 10, further comprising a step of assigning an approach number. An account receivable item acquisition step in which the computer acquires an account receivable item from the account receivable item storage device;
A loan statement acquisition step in which the computer acquires a loan statement from the loan statement storage device;
A loan balance statement creating step in which the computer creates a loan balance statement with association information for the account details and the loan statement;
The loan collection method according to claim 10, wherein the loan collection method is provided.