JP2005173908A - Method for liquidating account receivable in electronic market - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method for liquidating accounts receivable that is capable of avoiding the risks of bankruptcy and the like even in the event of late payment or insolvency on the part of a debtor by granting credit insurance (nonrecourse credit insurance) to accounts receivable. <P>SOLUTION: A contract limiting the payment guarantee of account receivables that arise during commodity trading is concluded between a primary wholesaler and a guarantee company 4 and a contract for the sale of the accounts receivable is concluded between a financial institution 5 and the primary wholesaler. The accounts receivable with a payment guarantee that arise through commodity trading performed according to the contract limiting the payment guarantee and the contract for the sale of the accounts receivable are sold to the financial institution 5 and the financial institution 5 recovers cash from a secondary or tertiary wholesaler and pays a negotiated amount for the accounts receivable to the primary wholesaler, thus paying to the supplier of the primary wholesaler within a time limit and completing a transaction. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a method for fluidizing accounts receivable for guaranteeing settlement between companies that conduct business transactions using a network such as the Internet and facilitating the progress of business transactions.

  Conventionally, in business-to-business transactions, an unspecified number of companies have been contracted using the Internet network, and purchase order data was sent online from the buyer company to the seller company, and the order data was received. The seller's company sells the ordered product to the buyer's company, and after that, the transaction is carried out by collecting the price by means of bills, electronic payment or the like.

  However, when business is conducted between companies that have no track record, the seller side company is concerned about whether or not it is possible to reliably collect the price after selling the product to the buyer side company, and used the network When conducting business-to-business transactions, there has been a drawback in that transactions cannot be performed with peace of mind until it has been confirmed that there are no problems as a target of transactions by conducting business relationships and credits so far.

As a measure to improve this, a business model related to a settlement guarantee method was proposed to eliminate mutual anxiety between companies and ensure that business-to-business transactions using the network were carried out satisfactorily. An insurance contract is concluded between a guarantee company that guarantees transactions in the e-commerce market and an insurance company, and a buyer receives a loan from a financial institution with the insurance contract as collateral, and the financial institution provides the seller with the e-commerce market. Disclosed are payments on behalf of transaction amounts. However, in order to perform credit, examination by an examination organization is required, so a considerable amount of time is required, and transactions with new business partners cannot be carried out smoothly.
In addition, the conventional securitization of trade receivables focused solely on improving cash flow by selling receivables as inventory. It was fundraising for purchases, and the current receivable receivables were not linked to the purchase of goods for selling them.
In addition, when handling products that require freshness such as seafood, there are situations in which payment must be made in cash by the due date (the grace period until payment is short) when purchasing products from a supplier. For this reason, primary wholesalers had to procure cash to make purchases, and there was an obstacle to making purchases when funds were insufficient.
JP 2001-291038 A

  The present invention has been made to solve the above-mentioned problems, and in a business-to-business transaction using a network, a guarantee company examines the creditworthiness of a secondary wholesaler or a tertiary wholesaler in advance to guarantee the payment limit. The primary wholesaler sells accounts receivable arising from sales transactions based on the guarantee of the maximum amount of payment as accounts receivable with a guarantee of the maximum amount of payment to a financial institution, and the financial institution sells it to the merchandise seller. By paying the amount equivalent to the claim receivable, payment is made before the due date to the supplier, allowing the primary wholesaler to make cash purchases from the supplier, considering the purchase and sale of goods as one transaction, By purchasing procurement funds for each transaction and adding credit enhancement for receivables (non-recourse credit enhancement), the risk of bankruptcy can be avoided even if the debtor is late or unable to pay. Sales that are complemented and easy to sell Receivables receivable flow by selling receivables, which can be converted into cash before the due date of receivables and compared to the case where cash flows are not sold, making it possible to procure funds for each transaction. It is an object to provide a method for realizing the above.

  The present invention for achieving the above object is to achieve the above object, wherein the invention according to claim 1 discloses product information sent from a primary product supplier using a communication line, and A primary wholesaler that sells products, a secondary or tertiary wholesaler that places an order for the product information disclosed by the primary wholesaler, and accounts receivable arising when both wholesalers trade products. Sells products in the e-commerce market, which is accessible via a communication line such as the Internet, to a guarantee company that provides credit enhancement to the credit guarantee company and a seller of accounts receivable such as financial institutions that are business partners of the guarantee company The primary wholesaler that purchases the product, the secondary wholesaler who purchases the product, or the tertiary wholesaler and the wholesaler and the wholesaler that sells the credit receivable for the trade receivables generated when the product is sold. Financial institutions that sell credits A computer system having an input / output device and incorporating a computer program, the computer systems being connected via a communication line, the payment guarantee limit contract for the trade receivables prior to the sale of goods, the primary wholesaler and the guarantee company The seller and the primary wholesaler conclude a trade agreement for sales and receivables that are concluded with the financial institution and the primary wholesaler. Storage means for receiving and recording transaction amount information from the primary wholesaler terminal and the secondary wholesaler or tertiary wholesaler terminal from the site terminal managing the electronic commerce market, and recording in the storage means A computer that incorporates at least a credit database that records guarantee fee rate information and compensation limit information created based on the transaction amount information Decide on the program base and notify the primary wholesaler of the payment guarantee limit, and the primary wholesaler will make the homepage for selling the product public on his server and secondary to the guarantee company usage procedure screen displayed on the monitor Provide a use procedure screen that can be accessed by customer identification information given only to wholesalers or tertiary wholesalers. When order information such as product, unit price, quantity, etc. and the customer name are input to the use procedure screen, the computer system of the primary wholesaler Provided with a customer-specific computer program provided with a predetermined order form in which the order information is transmitted to the company, the customer opens the order form on the homepage via a communication line such as the Internet, and the predetermined information is entered in the entry column. When the order information is input and sent to the primary wholesaler, the customer's registration information is confirmed by the primary wholesaler computer program. Based on a predetermined order form, the computer automatically verifies the payment guarantee limit and compares the product order amount with the payment guarantee limit. If the transaction amount is within the guaranteed limit, proceed with the transaction, and if it exceeds the guaranteed limit amount, display a program that is not suitable for the transaction and that prohibits transmission of order data from the order form. The order data is immediately transmitted to the primary wholesaler by the customer's transmission operation, and the order confirmation is performed by a dedicated computer program on the computer that has received the order data. The customer confirms the contents, fills in the order confirmation and sends it to the primary wholesaler. The sales contract for the ordered product is finalized, and the primary wholesaler immediately purchases the product from the supplier of the primary product and enters the delivery of the product to the customer. Based on the payment guarantee limit contract and the trade receivable contract Sales receivables with payment guarantees generated in the sale of merchandise performed are sold to the financial institution, etc., and the financial institution adds a fee based on the credit information of the guarantee company to the secondary wholesaler or tertiary wholesaler. The primary wholesaler is paid within the due date by paying the purchase amount of the accounts receivable within the due date. It is possible to measure the procurement of

  Further, in the conclusion of the guarantee limit contract, the guarantee information is determined by the guarantee company based on information from the terminal on the site side managing the electronic commerce market for the credit information relating to the secondary wholesale or tertiary wholesale. To do.

  Further, in the conclusion of the trade receivable sales contract, the financial institution determines a limit based on the credit information.

  Further, the financial institution purchases the amount corresponding to the trade receivable purchased from the primary wholesaler through a special purpose company.

  Furthermore, a payment guarantee limit contract and / or an account receivable sales contract concluded between the guarantee company and the financial institution and the primary wholesaler are performed through an agent company.

According to the present invention,
The product information sent from the supplier of the primary product is disclosed using a communication line, and the primary wholesaler that sells the primary product and the product information disclosed by the primary wholesaler are ordered. Sales of receivables from secondary wholesalers or tertiary wholesalers, guarantee companies that provide credit enhancement for trade receivables generated by both wholesalers, and financial institutions that are business partners of the guarantee companies In the e-commerce market accessible to the other party, a payment guarantee limit contract for trade receivables is concluded between the primary wholesaler and the guarantor prior to buying and selling goods, and the trade receivable trade contract is signed with the financial institution, etc. When the receivables with payment guarantees, which are concluded with the primary wholesaler and are sold in the sale of goods based on the payment guarantee limit contract and the receivable sales contract, are sold to the financial institutions, etc. Financial institutions, etc. provide secondary wholesale or tertiary wholesale An electronic commerce market that collects cash for the primary wholesaler and completes the sales transaction by paying the purchase amount of the receivables to the primary wholesaler within the due date for payment. A receivable securitization method in claim 1, wherein the storage means receives and records the transaction amount information from the primary wholesaler terminal and the secondary wholesaler or tertiary wholesaler terminal from the site side terminal managing the electronic commerce market; Guarantee company terminal comprising at least a credit database for recording guarantee fee rate information and compensation limit information created based on transaction amount information recorded in the storage means, and transaction amount from the primary wholesaler terminal Information and the terminal of a financial institution or the like having at least processing means for calculating a fee based on the credit information of the guarantee company, and buying and selling one commodity By making it possible to procure funds for each purchase, we made payment to the primary wholesaler's primary goods within the time limit and completed the trading transaction. Even if there is no cash stock, it is possible to purchase cash from the merchandise supplier, and smooth business-to-business transactions using the network. In addition, according to the present invention, the purchase and sale of products is performed in a communication line such as the Internet, so that the management of receivables and accounts receivable can be performed accurately and easily, and the time lag from purchase to sale of products As a result, the inventory is minimized and the cash flow can be improved. Furthermore, according to the present invention, credit enhancement of accounts receivable (non-recourse credit enhancement) can be applied to avoid risks such as bankruptcy even if the debtor is late or unable to pay. Is easy to sell and can be cashed before the due date of the receivable due to the sale, so that the cash flow is significantly improved compared to the case where it is not sold. Furthermore, since the present invention is a scheme in which purchase and sale are regarded as one transaction, and procurement funds can be measured for each transaction, purchase and sale are regarded as one transaction. Management and sales management are important. For example, if purchase is cash settlement and sale is 30 days after delivery, if purchase and sale are simultaneous and cash payment is within 5 business days after delivery In the meantime, it becomes possible to sell and pay the accounts receivable.

  Hereinafter, a preferred embodiment of the present invention will be described with reference to the drawings. In the explanation, the supplier of goods viewed from the primary wholesaler is a supplier, the primary wholesaler is the seller side company, the secondary wholesaler or the tertiary wholesaler is Described below as the buyer's company (corporation).

First, FIG. 1 is a business flow diagram for explaining the receivable securitization of the present invention. With reference to FIG. 1, the outline of the receivable securitization method according to the first embodiment of the present invention will be described. To do.
In FIG. 1, a specific electronic commerce market 1 (a market for a specific product, for example, a seafood product that requires freshness management) includes a seller-side company 2, a plurality of buyer-side companies 3 that can be accessed via a network, It comprises a management company 7 and a site (not shown) for managing the electronic commerce market. When the e-commerce market 1 joins a guarantee contract or the like presented by the guarantee company 4 that performs credit enhancement, the guarantee company 4 performs a transaction requested by the seller company among the transactions in the e-commerce market 1. Comprehensive guarantee. In addition, it is necessary to conclude a payment guarantee limit contract for trade receivables that occur at the time of merchandise trade between the guarantor and the merchandise seller side, and between the financial institution and the seller side company. , Sells trade receivables with payment guarantees that occur in the sale of goods under the payment guarantee limit contract and trade receivable sales contracts to the financial institution, and the financial institution provides cash to the product buyer. Allow recovery. The guarantee company may be an insurance company that performs credit enhancement by transaction credit insurance.

  In the electronic commerce market 1 subscribed to the guarantee contract of the guarantee company 4, the seller side company 2 places an order with the supplier 6 when the transaction contract with the buyer side company 3 is established. Trade of trade receivables that occur at the time of sale is carried out between the financial institution and the seller company, and when the goods are delivered from the seller company 2 to the buyer company 3, the buyer company 3 transfers ownership. The transaction amount corresponding to the accounts receivable is paid to the seller-side company 2 when the buyer-side company 3 confirms the payment to the seller-side company 2.

Thereafter, the seller's company 3 pays the guarantee fee to the guarantee company and the purchase fee to the financial institution 5 within a predetermined period. Usually, when the buyer's payment is made, the purchase fee is deducted and settled. . In the first embodiment of the present invention, the management contract work is performed through the agency 7 as shown in FIG. 1, but the guarantee company independently manages the management contract as shown in the second embodiment in FIG. You may do business. The second embodiment is different from the first embodiment in that the guarantee company performs management contract work independently, and the other points are the same as the first embodiment.
Further, a special purpose company (SPC) that mainly performs an account receivable sales contract as shown in the third embodiment of FIG. 3 may be newly installed. The third embodiment is different from the first embodiment in that a special purpose company (SPC) performs a business based on a trade receivable sales contract, and is otherwise the same as the first embodiment. Note that the seller-side company 2 of the electronic commerce market 1 who has subscribed to the guarantee contract needs to individually register with the guarantee company 4 and receive a review before the buyer-side company 3 enters into a purchase and sale contract for the product. The guarantee company 4 examines the registration information for each company, performs credit for each company, and sets a receivable guarantee limit based on the registration information and credit information for each company. The financial institution 5 purchases receivables with payment guarantees guaranteed by the guarantee company 4, and collects the receivables from the buyer company on the due date.

  As a result, as shown in FIG. 1 to FIG. 3, the seller company 2 can receive the transaction price from the financial institution 5 around 5 business days after the delivery of the product to the buyer company 3. It becomes possible to make payments to the destination 6 by the due date, and when purchasing merchandise that requires a freshness control due to short payment deadlines in merchandise transactions such as seafood, even if the cash on hand is not sufficient Cash purchases can be carried out smoothly, and the purchase and sale of merchandise is regarded as one transaction. The purchase of funds is measured for each transaction, and credit enhancement for accounts receivable (non-recourse credit enhancement) is added. In this way, it is possible to avoid the risk of bankruptcy even if the debtor is late or unable to pay. Don't sell the flow If significantly improved compared with, made it possible to measure the procurement of purchasing funds per transaction. The present invention can be used in transactions with a short grace period from purchase to payment, and can also be applied to merchandise transactions other than seafood. In addition, the financial institution 5 can receive a compensation amount for damage from the guarantee company based on the guarantee limit contract with the guarantee company 4 when the transaction price or the like cannot be collected from the buyer company 3. In addition, the guarantor sets the payment guarantee limit for trade receivables by examining the creditworthiness of the buyer's company (corporate), and therefore can suppress the risk.

FIG. 4 is a diagram showing a system configuration for realizing the receivable securitization method of the present invention. In the figure, 10 is a network. The network 10 represents a communication line such as an electronic data exchange system or the Internet. However, the network 10 is not limited to this as long as it can use the present invention. 11 is a site-side terminal of the electronic commerce market 1 operated and managed by a specific group, business entity or individual. The unspecified number of companies access the electronic commerce market 1 as sellers or buyers, A partner company that meets the conditions or selling conditions is found and a sales contract is concluded. Reference numeral 12 denotes a seller-side company terminal that can access the site-side terminal 11 that manages the e-commerce market, and a buyer-side company terminal that can access the site-side terminal 11 that manages the 13 to 13 _N e-commerce market. Reference numeral 14 denotes a guarantee company side terminal, 15 denotes a financial institution side terminal, 16 denotes a management company side terminal, and 17 denotes a purchase side terminal. Further, the guarantee company terminal 14 has a registration information database, a credit database, a guarantee information database, and a transaction information database, which will be described later.

  In addition, although not shown in figure, each terminal in FIG. 4 is a transmission / reception device for exchanging various signals via a network, a storage device for storing various data, a display device, an input / output device, and the like. And processing means (such as a CPU) for performing various arithmetic processes. Next, with reference to FIG. 4 and FIG. 5, the flow at the time of new registration in the method for receivable receivables according to the embodiment of the present invention will be described. FIG. 5 is a flowchart showing the flow at the time of new registration in the receivable securitization method according to the embodiment of the present invention. In the guarantee company terminal 14, a program for executing the following flow is stored in advance in the storage means of the guarantee company terminal 14 shown in FIG. 4, and the program is executed by the processing means of the guarantee company terminal 14. Is done.

First, seller-side user registration information is transmitted from, for example, the seller-side terminal 12 from the seller-side company 2 that can access the site-side terminal 11 that manages the specific electronic commerce market to which the guarantee contract of the guarantee company 4 is subscribed. (Step 301) and received by the guarantee company terminal 14 (Step 302). Then, from the buyer side company 3 subscriber desired, the buyer user registration information is transmitted from the buyer terminal 13-13 _N (step 303), is received by the insurer terminal 14 (step 304). The guarantee company terminal 14 creates a registration information DB (registration information database) based on the user registration information (step 305). Next, a credit DB is created based on the registration information and predetermined survey information (step 306). After the creation of the credit DB, the seller / buyer registration information, credit information, and guaranteed conditions are transmitted to the financial institution terminal 15 (step 307). The financial institution terminal 15 receives the information transmitted in step 307 (step 308), and transmits a payment acceptance for the information to the guarantee company (step 309). The guarantee company confirms the payment acceptance transmitted from the financial institution, transmits a registration completion notice to the seller side terminal and the buyer side terminal (step 310), and ends the flow.

  Next, a construction example of the registration information DB and the credit DB in the present invention will be shown. FIG. 6 shows an example of the registration information DB, which includes data items such as an ID number 61, a company code 62, a company name 63, a company location 64, a transaction amount 65, and a transfer account 66. The ID number is a code assigned to identify a contracted company and is common to all databases.

FIG. 7 shows an example of the credit DB, which is composed of data items such as an ID number 61 and an evaluation 70. The evaluation 70 represents the highest score as 100, and the closer to 100, the higher the reliability.
When using a guarantee company, it is performed by filling in and transmitting predetermined items on the usage procedure screens illustrated in FIGS. FIG. 8 shows the essential items to be entered first when making a guarantee request to the guarantee company. After filling in the entry items, click “Request Warranty”. Click 'Back' if you cannot proceed. When the guarantee request is clicked, the screen shown in FIG. 9 is displayed. The seller information (data for specifying the seller company) 81, the buyer information (data for specifying the buyer company) 82, the transaction product information 83, the transaction quantity 84, and the transaction amount 85 are input. When the buyer clicks 86 after inputting predetermined information, the input information is transmitted from the buyer side terminal 13 to the guarantee company side terminal 14, for example. Moreover, by clicking 87, you may make it return to the transaction screen of the previous electronic commerce market.

  Next, the flow of processing when a transaction is actually performed in the first embodiment of the present invention will be described with reference to FIG. It is assumed that the contract between the merchandise seller and the guarantee company has already been completed. The program executed in the guarantee company terminal 14 is stored in advance in the storage means of the guarantee company terminal 14, and the program is executed by the processing means of the guarantee company terminal 14.

  In the electronic commerce market 1, the site-side terminal 11 mediates inter-company transactions by presenting information on sales transactions transmitted from the respective terminals of the seller-side company 2 and the buyer-side company 3 to both sides. Yes. The seller-side company 2 posts product information on the transaction screen of the electronic commerce market provided from the site-side terminal 11 based on the purchase information from the supplier 6. The buyer side company 3 selects the purchase of a specific product or the like from the transaction screen of the seller side company 2 in the electronic commerce market. By making this selection, the trading information is transmitted from the site side terminal 11 managing the electronic commerce market to the guarantee company side terminal 14 (step 101). The transaction information to be transmitted includes information for identifying the site-side terminal 11 that is the transmission source, information for identifying the seller-side company 2, information for identifying the buyer-side company 3, and products to be traded Information for specifying, information for specifying the transaction amount, and the like are included.

  Next, the guarantee company side terminal 14 receives the trade information transmitted from the site side terminal 11 (step 102), and the buyer is registered in the guarantee contract provided by the guarantee company 4 by the registration information DB shown in FIG. It is confirmed whether or not the company is an active company (step 103). When the buyer is not registered in the guarantee contract, although it is not specified in the flow of FIG. 10, the fact that the guarantee company cannot be used in the electronic commerce market is transmitted and the process ends.

  If the buyer is registered as a guarantee contract, then the buyer's limit is confirmed based on the guarantee information DB shown in FIG. 8 (step 104) and exceeds the guarantee limit. If the operation is terminated without proceeding to the subsequent flow, and the guarantee limit is not exceeded, the flow proceeds to the guarantee fee calculation (step 105). The guarantee fee is calculated based on the credit DB (step 106), and the guarantee fee information is transmitted to the seller (step 107). The seller side receives the guarantee fee information (step 108), and sends a guarantee commission request to the guarantee company terminal 14 (step 109).

  Upon receiving the guarantee commission request from the seller, the guarantee company terminal 14 receives the information for requesting the guarantee (step 110), and again confirms the seller company on the sender side in the registration information DB (step 110). 111), the transaction content is stored in a transaction information DB (transaction information database) (step 112). As shown in FIG. 11, the transaction information DB includes data items such as a site ID 121, a seller company ID 122, a buyer company ID 123, a product name 124, a transaction amount 125, a transaction amount 126, and contract establishment date information 127. Here, the site ID 121 is a code for specifying the electronic commerce market.

  Next, the merchandise seller side terminal transmits a payment guarantee receivable receivable purchase request to the financial institution side terminal 15 (step 113). When the financial institution side terminal 15 receives the payment guarantee receivable purchase request (step 114), the financial institution side terminal 15 sells it at a predetermined receivable purchase fee based on a contract with the seller. The purchase of the credit is determined (step 115), and the transaction amount is paid to the seller side company 2 (step 116). Thereafter, a report to the effect that payment has been completed is transmitted to the seller side terminal (step 117).

  When the seller side terminal receives the payment completion report from the financial institution side terminal 15 (step 118), the fact that the transaction amount has been paid to the seller side company 2 is transmitted to the buyer side company 3 (step 119), and the buyer side The terminal 13 receives it (step 120), and ends the processing flow. As described above, the seller-side company 2 can promptly receive the transaction price from the financial institution 5 for transactions in the electronic commerce market, so that it is possible to cash the trade receivables within the due date for payment to the supplier 6. It becomes possible and can be purchased in cash.

The product information sent from the supplier of the primary product is disclosed using a communication line, and the product seller side company such as the original wholesaler who sells the primary product and the product information disclosed by the product seller side company The product buyer company that places the order, the guarantee company that provides credit enhancement for the accounts receivable generated when the product seller / buyer company buys or sells the product, and the finance that is the business partner of the guarantee company In the e-commerce market accessible to sales receivables such as institutions, a payment guarantee limit contract for the receivables is concluded between the product seller side company and the guarantee company prior to buying and selling goods, and the accounts receivable Receiving and selling receivables with payment guarantees that are generated by the sale and purchase of goods based on the payment guarantee limit contract and the receivables trading contract. Sold to financial institutions For example, the financial institution collects cash from the product buyer side company, and the product seller side company pays the purchase amount of the accounts receivable to purchase the product of the product seller side company. It is possible to complete the sales transaction by making a payment to the customer within the payment deadline and measuring the procurement funds for each merchandise sales transaction. In addition, the purchase and sale of goods is regarded as one transaction, the procurement of procurement funds is measured for each transaction, and credit enhancement of accounts receivable (non-recourse credit enhancement) is added to the debtor's payment delay or inability to pay. However, it is possible to avoid risks such as bankruptcy, sell credit receivables that are credit-enhanced and easy to sell, and can be cashed before the due date of the receivables, and cash flows do not sell Compared with improvement.
Furthermore, even if there is no cash stock at hand, the merchandise seller side company can purchase cash from the supplier in cash transactions with a short grace period, and conduct business-to-business transactions using the network. It is possible to perform smoothly. In addition, it is easier to purchase and sell products that tend to lose their freshness, and business opportunities are expanded.

It is a business flow figure showing Embodiment 1 in the accounts receivable securitization method of this invention. It is a business flow figure showing Embodiment 2 in the accounts receivable securitization method of this invention. It is a business flow figure showing Embodiment 3 in the accounts receivable securitization method of this invention. It is a system construction example of the receivable securitization method according to the present invention. It is a flowchart at the time of the new registration in this invention. It is a figure which shows one example of a registration database. It is a figure which shows an example of a credit database. It is the figure showing an example of the data input screen at the time of utilization of the accounts receivable securitization method concerning this invention. It is the figure showing one example of the data input screen at the time of utilization of the accounts receivable securitization method concerning this invention. It is the figure which represented the operation | movement in an electronic trading market with the flow. It is a figure which shows one example of a transaction information database.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic market 2 Seller side company 3 Buyer side company 4 Guarantee company 5 Financial institution 6 Supplier 7 Management company 10 Network 11 Site side terminal 12 Seller side company terminal 13-13 _N Buyer side company terminal 14 Guarantor company side terminal 15 Finance Engine side terminal 16 Management company side terminal 17 Purchase side terminal

Claims (5)

The product information sent from the supplier of the primary product is disclosed using a communication line, and the primary wholesaler that sells the primary product and the product information disclosed by the primary wholesaler are ordered. Sales of receivables from secondary wholesalers or tertiary wholesalers, guarantee companies that provide credit enhancement for trade receivables generated by both wholesalers, and financial institutions that are business partners of the guarantee companies Occurs when the primary wholesaler that sells products and the secondary or tertiary wholesaler that purchases the product and the wholesaler buys and sells the product in the e-commerce market that can be accessed via a communication line such as the Internet. A guarantee company that performs credit enhancement for trade receivables and a financial institution that sells trade receivables of the business partner of the guarantee company each have an input / output device and a computer system that incorporates a computer program. These computer systems are connected via a communication line, and before the purchase and sale of goods, a payment guarantee limit contract for trade receivables is concluded between the primary wholesaler and the guarantee company, and a sales guarantee is given. Enter into a contract to purchase and sell credit claims between the financial institution and the primary wholesaler,
The guarantee company preliminarily manages the electronic commerce market with payment guarantee limits of accounts receivable from secondary wholesalers and tertiary wholesalers, and transaction amount information from the primary wholesaler terminal and secondary or tertiary wholesaler terminals. Based on a computer program incorporating at least a credit database for recording storage means for receiving and recording from a terminal, guarantee fee rate information created based on transaction amount information recorded in the storage means, and compensation limit information, etc. Decide and notify the primary wholesaler of the payment guarantee limit, and the primary wholesaler will make the homepage for selling the product publicly available on his / her own server and display the secondary wholesaler or tertiary on the guarantee company usage procedure screen displayed on the monitor. Provide a usage procedure screen that can be accessed by customer identification information given only by wholesalers. The usage procedure screen displays order information such as product, unit price, quantity, etc. and its customer. The primary wholesale computer system is provided with a customer-specific computer program provided with a predetermined order form in which the order information is transmitted to the company, and the customer displays the order form on the homepage via a communication line such as the Internet. Open and enter the required information in the entry field and send the order information to the primary wholesaler. The primary wholesaler computer program confirms the registered information of the customer and automatically by the computer based on the predetermined order form When the payment amount is checked against the payment guarantee limit and the product order value is compared with the payment guarantee limit, the transaction amount is within the guarantee limit on the homepage screen connected to the customer. If you proceed with the transaction and exceed the guarantee limit, the transaction will be displayed as inappropriate and the order from the order form will be displayed. If the program is set to prohibit the transmission of data and the transaction proceeds, the order data is immediately sent to the primary wholesaler by the customer's transmission operation, and the computer that received the order data has Order confirmation is performed by a dedicated computer program, the order confirmation is immediately replied, the customer confirms the contents, the intention confirmation of the product order is entered in the prescribed order form and sent to the primary wholesaler, the purchase and sale of the ordered product The contract is finalized, and the primary wholesaler immediately purchases the product from the supplier of the primary product, enters the delivery of the product to the customer, and sells the product based on the payment guarantee contract and the trade receivable contract. Selling generated receivables with payment guarantee to the financial institution, etc., and the financial institution adds a fee based on the credit information of the guarantee company to Collect cash for wholesale or tertiary wholesalers, and pay for the primary wholesaler within the due date by paying the purchase amount of the accounts receivable within the due date. A method for securitizing accounts receivable in the e-commerce market, characterized in that it is possible to procure purchase funds for each transaction.   In the conclusion of the guarantee limit contract, the credit information relating to the secondary wholesale or tertiary wholesale is determined by the guarantee company based on information from a terminal on a site managing the electronic commerce market. The receivable securitization method in the electronic commerce market described.   2. The method for securitizing accounts receivable in the electronic commerce market according to claim 1, wherein the financial institution determines a limit based on the credit information when the account receivable sales contract is concluded.   The electronic commerce market according to any one of claims 1 to 3, wherein the financial institution purchases accounts receivable bonds through a special purpose company for an amount corresponding to the accounts receivable purchased from the primary wholesaler. Of receivables in Japan.   Any one of claims 1 to 4, wherein a payment guarantee limit contract and / or an account receivable sales contract concluded between the guarantee company and financial institution and the primary wholesaler are made through an agent company. The method of securitizing accounts receivable in the electronic commerce market described in the above.

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