JP2005301324A - Lump sum settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method which manages the settlement processing of credit as a system to efficiently conduct various kinds of work relating to the settlement. <P>SOLUTION: A batch settlement system acquires detailed statement data from a paying firm and manages it. On the basis of the detailed statement data, the batch settlement system automatically extracts credits to be early settled based on specific conditions and notifies the paying firm of the credit statement. The paying firm automatically extracts, on a Web, a combination of statements, which does not exceed a desired amount to be early settled but approximate to the desired amount, from the credit statement notified by the batch settlement system, and makes application for early settlement. The batch settlement system offers or downloads, on the Web, information such as a settlement schedule, an actual amount payable, an accounting item and so on, which vary based on discount or early settlement, through a simulation. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a collective payment system, and is particularly suitable for use in a system for realizing a collective payment service that substitutes bills when a paying company makes payments to various delivery companies.
[0002]
[Prior art]
Conventionally, bills are often used when payment companies make payments to various delivery companies. In addition, a financial institution collectively accepts a paying company's debt, and the financial institution pays a delivery company on behalf of the paying company. In this case, the payment company can receive payment on an arbitrary date earlier than the original payment date by applying for a credit discount to the financial institution. In this case, payment is made by subtracting a discount rate (fee) according to the number of days shortened.
[0003]
[Problems to be solved by the invention]
However, conventionally, exchange of settlement processing among such payment companies, delivery companies, and financial institutions is performed on a FAX basis, and there is no mechanism for managing this as a system. For this reason, there has been a problem that all of the payment company, the delivery company, and the financial institution are forced to perform complicated work.
[0004]
The present invention has been made to solve such a problem, and provides a mechanism for managing the settlement processing of receivables as a system so that various operations relating to the settlement can be performed efficiently. Objective.
[0005]
[Means for Solving the Problems]
The collective settlement system of the present invention is a system for realizing a collective settlement service that substitutes bills when a paying company makes payments to various delivery companies, and obtains payment details data from the paying company. Based on the payment details management means to be managed and the payment details data managed by the above payment details management means, the receivables subject to discount or early repayment are automatically extracted in light of specific conditions, and the receivable details A claim statement notification means for notifying the delivery company or the paying company, and a detail that approximates the claim details notified by the claim statement notification means within a range not exceeding the desired discount amount or the early repayment amount The total is automatically extracted on the web, and is managed by the application means for applying for discount or early reimbursement and the above payment details management means Including settlement schedule that varies by discount or early repayment of the interest receivables, the actual payment amount, the various kinds of information such as accounts of accounting, and information providing means for providing or download on the web through the simulation.
[0006]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing an outline of processing performed using the collective payment system according to the present embodiment. The collective settlement system of this embodiment provides a collective settlement service that substitutes bills when a paying company (buyer company) makes payments to various delivery companies (seller companies).
[0007]
That is, the collective payment system of this embodiment receives and manages the payment details data (1) from the paying company, and notifies the payment details to each delivery company according to the payment schedule such as the closing date (5). ). In addition, it has a function to replace the “bills discount” that allows the supplier to flexibly fund the receivables and a payee change function that corresponds to the “circular bills”.
[0008]
Further, the collective settlement system automatically extracts receivables subject to early repayment from the input payment details data in accordance with specific conditions, and notifies the details to the paying company ((6)). The supplier automatically extracts the total combination of items that approximate the desired loan amount from the target loan statement on the web, confirms the contents, and then applies for early payment (▲ 7 ▼) can be performed.
[0009]
For a paying company, it is possible to enjoy operational profits by outsourcing the payment operation through a collective payment system or by early payment of payment funds. In addition, debt can be off-balanced to contribute to improving financial efficiency such as ROA.
[0010]
In addition, paying companies and paying companies simulate various information such as payment schedules, actual payment amounts, and accounting account items that change by discounting or early payment of receivables managed on the collective payment system ( (9)) You can check on the web and download (11, 12) when you need it.
[0011]
In the collective payment system of this embodiment, it is possible for a financial institution performing debt underwriting to set various handling conditions and the like according to an agreement with each paying company. For example, there is a “credit limit setting function” that automatically checks whether input payment details data does not exceed the credit limit. This includes a function that issues a warning (alarm) when a set threshold value is exceeded.
[0012]
In addition, with respect to the loan discount application of the supplier, the “automatic compliance function” that automatically returns a response if the conditions are met, the deadline for the credit discount application, etc. It also has a function of designating what time and how many days before business day. Furthermore, interest rate setting and interest rate maintenance applied to bond discounts and early repayment can also be used with an approval workflow.
[0013]
FIG. 1 will be described in a little more detail. The lump sum settlement system of the present embodiment is based on the payment details data (1) input from the paying company, and the credit details for confirming the details of the credits held by the paying company for each paying company. Notification (5) is performed. At that time, if the delivery company has registered a regular discount in advance, the discount / transfer process is automatically performed.
[0014]
On the other hand, a delivery company that does not register discounts on a regular basis can apply for a prepayment at any time before the regular date with the paying company as needed ((9)). In that case, it is possible to automatically calculate an estimate using a browser for calculation of discount fees and the like. However, this estimate result is calculated based on the current interest rate. The final deposit amount at the interest rate actually applied is notified by the lump sum settlement system before being transferred (11).
[0015]
The financial institution performs an acceptance process on the credit discount applied by the delivery company. At the time of acceptance, the details of receivables to be discounted, change payees, etc. are confirmed. It is also possible to automatically perform compliance processing under conditions preset by a financial institution. The accepted application is estimated (simulated) based on the interest rate on the day of application by the delivery company. Regarding the actual applicable interest rate, it is confirmed several days before the desired payment date set by the financial institution, and the delivery company is notified of the actual deposit amount calculated based on the confirmed interest rate, such as the discount fee and transfer fee. (The transfer fee can also be set by the financial institution for each paying company).
[0016]
Further, in the collective settlement system of this embodiment, the details of the claims applied by the delivery company are discounted so that the delivery company, the payment company, and the financial institution can use them for their respective corporate accounting processes and internal operations. Can be downloaded as data. Also, past history can be downloaded under certain conditions. Therefore, it can be used for processing matching and mapping to account items. Information management such as pre- and post-flow receivable information and settlement schedules is performed by a collective settlement system, so that data can be fed back and linked with internal processing.
[0017]
A paying company pays a lump sum on a fixed date on a regular basis by having a financial institution accept the debt through a lump sum settlement system, which has been paid individually to a paying company, etc. Will be able to do. If payment is made in a lump sum, the total amount of each debt statement will be a certain amount. In this case, it is also possible to return from the financial institution the operating profits for the site on the scheduled date and the date of payment by paying the accounts payable to the financial institution in a lump sum (7). . Moreover, by repaying at an early stage, it is possible to reduce balance of accounts payable, compress assets, and use it to improve ROA.
[0018]
FIG. 2 is a flowchart showing an operation of uploading payment details data from a payment company to a financial institution. As shown in FIG. 2, the payment company uploads the payment details data on the upload screen, and applies for concurrent debt underwriting (see FIGS. 9 to 18). As a general rule, uploads are made once a day, and the transmission time limit is 12:00 on 3 business days. The lump sum settlement system performs underwriting liability balance management in order to prevent the credit limit from being exceeded (see FIG. 19). If the credit limit is exceeded, an error is notified to the paying company and financial institution, and the uploaded payment details data is deleted.
[0019]
FIG. 3 is a flowchart showing the operation of the regular discount process by the delivery company. The term discount refers to a service in which a financial institution makes a prepayment of a debt on a prepaid desired date designated in advance by a supplier (see FIG. 48 for selection of a prepaid (discount) designated date). The range of the regular discount is for all details in one delivery company.
[0020]
The delivery company designates the desired prepaid date by designating “date”. For example, if the date designation is the end of the month and the prepaid date is November 30, then November 30 becomes the prepaid desired date. Further, assuming that the date designation is 10 days and the prepaid date is November 30, the prepaid desired date is December 10 (see FIGS. 20 and 21).
[0021]
The collective payment system transmits an e-mail that guides the target receivables to the delivery company. This e-mail is not sent every time payment details data is accepted, but is sent on the condition that three days prior to the prepaid date and debt acceptance acceptance has been entered. In this e-mail, all the details corresponding to the settlement deadline are output, and the current status is also displayed on the screen. At this time, data other than the latest payment details data, such as periodic discounts, discounts at any time, and prepaid items, are also displayed (see FIGS. 22 to 27).
[0022]
FIG. 4 is a flowchart showing the operation of the detail notification process by the collective payment system. As shown in FIG. 4, the collective payment system creates payment details data and payment details data, notifies the payment details data to the payment company and the financial institution by e-mail, and notifies the payment details data to the delivery company. . The payment company, the delivery company, and the financial institution download the detailed data from the collective payment system according to the e-mail.
[0023]
FIG. 5 is a flowchart showing the operation of the discount process at any time by the delivery company. The occasional discount refers to a service in which a delivery company designates a desired advance payment date on an application screen, and a financial institution makes an advance payment on the designated date. When there are a plurality of transaction details in one delivery company, it is possible to specify a discount for each item.
[0024]
The delivery company designates an arbitrary prepaid desired date from the prepaid date to the business day before the settlement date. This must be a business day of a financial institution and is checked on the discount application screen as needed. A discount application can be executed at any time after the financial institution accepts the contract. The supplier can log in directly to the collective payment system and apply at any time on the discount application screen (see FIGS. 28 and 29). It is also possible to transition from the guidance screen for the subject credit to the discount application screen at any time.
[0025]
The collective payment system notifies the delivery company of the advance payment schedule details. This applies to prepaid details (both periodic discounts and occasional discounts) with the same prepaid desired date. The prepaid details are notified when two conditions are satisfied: confirmation of the prepaid discount rate (applicable interest rate) (see FIGS. 30 to 34) and the arrival of the discount application deadline at any time. For the applicable interest rate, the interest rate two business days prior to the prepayment date is applied. Since the applicable interest rate is not fixed at the time of discount application, the reference amount is only displayed for the sake of simulation, and the prepaid discount fee determined in the notice of transfer details is notified.
[0026]
FIG. 6 is a flowchart showing the operation of the due date payment process. As shown in FIG. 6, the lump sum payment system creates due payment details data two business days before the settlement due date and notifies the paying company by e-mail. This e-mail mainly describes the total amount of the due settlement funds to be charged (see FIG. 35). The target details are details other than those subject to early repayment (periodic discount (not subject to early repayment) + anytime discount + due date payment). The payment company downloads the due date payment details data from the collective payment system in accordance with the electronic mail.
[0027]
Further, the collective payment system determines the due payment details after 12:00 two business days before the settlement due date, which is the time limit for ending the discount application, and notifies the payment company of the payment details. The delivery company confirms the due payment details on the web according to the e-mail.
[0028]
FIG. 7 is a flowchart showing the operation of the early payment process by the paying company. Early repayment is a payment detail that makes a periodic discount (hereinafter referred to as “periodic same day” and periodic discounts performed on other dates as “periodic other”) with the prepaid execution date as the prepaid execution date. This is a service that accepts the payment of debt from the paying company before the settlement date for the amount of data. By providing a function for realizing this service in the lump sum payment system, the paying company can manage the debt off-balance and surplus funds.
[0029]
As shown in FIG. 7, the collective payment system issues a target statement for early payment to the paying company. This target item is subject to payment details data on the same day on a regular basis. Periodic discounts are applicable to all details in one delivery company. The paying company can specify the repayment amount within the range of the target statement description amount (see FIGS. 36 to 41). For example, it is possible to specify 3 billion yen this time out of the target amount of 5 billion yen. However, the amount of 3 billion yen cannot be specified exactly, the total amount for each supplier company is accumulated, the closest payment amount not exceeding 3 billion yen is calculated by the lump sum payment system, and the paying company approves the amount. .
[0030]
The amount of early repayment paid by the paying company is (early repayment amount-early repayment deduction). The paying company makes an application by specifying an early reimbursement amount on the application screen. Since the early repayment deduction amount required at that time is required, it is a condition that the applicable interest rate for deduction calculation is determined by the financial institution at the time of application.
[0031]
The application for early reimbursement is conditional on acceptance of financial institution acceptance and interest rate registration (3 business days prior), and the availability of early reimbursement details 3 business days later. Since the acceptance is undertaken three business days prior to the prepayment date and the applicable interest rate is determined at the time of application for early repayment, the applicable interest rate is the interest rate three business days before the prepayment date. Apply.
[0032]
In the collective payment system according to the present embodiment, it is possible to perform a payee change process by a delivery company. The payee change process refers to the subordinate company registered in advance for each paying company (referred to as the change payee), and the paying company changes the payee, subject receivable details, and payment as needed on the discount application screen. This refers to a service in which a financial institution pays a debt to a change payee on a desired date by selecting and applying for necessary items such as a change desired date. When there are a plurality of transaction details in one delivery company, the payee can be changed in units of details.
[0033]
The supplier company designates an arbitrary payment destination change desired date from the prepaid date to the settlement date. This must be a business day of a financial institution, and if a non-business day is specified, it is treated as the previous business day. As the desired change date, an arbitrary date within the period is selected on the discount application screen as needed (see FIG. 42). The supplier can log in directly to the lump-sum payment system and apply at any time on the discount application screen. It is also possible to transition from the guidance screen for the subject credit to the discount application screen at any time. The application condition is that the change payee is registered (see FIGS. 43 and 44) and that there is a target item that can be discounted at any time.
[0034]
The lump sum settlement system notifies the delivery company about the transfer details. This applies to prepaid details (both periodic discounts and occasional discounts) with the same prepaid desired date. The advance payment details are notified when two conditions have been established: confirmation of the advance payment discount (applicable interest rate) and arrival of the discount application deadline. For the applicable interest rate, the interest rate two business days prior to the prepayment date is applied. Since the applicable interest rate is not fixed at the time of discount application, the reference amount is only displayed for the sake of simulation, and the prepaid discount fee determined in the notice of transfer details is notified. The transfer details are notified only to the supplier and not to the change payee.
[0035]
In addition, the collective payment system creates discount detail data by night processing on the day before the desired prepaid date, and notifies the paying company by e-mail. The payment company downloads the discount item data from the collective payment system according to the e-mail.
[0036]
Other screen examples used in the collective payment system are shown below. FIG. 45 shows a maintenance screen for setting the handling of payment details data by a financial institution. Here, it is possible to set an automatic compliance function or the like that automatically returns a compliance when a condition is met for a loan discount application of a supplier company. 46 and 47 show a transaction setting maintenance screen by a financial institution. FIG. 48 shows a maintenance screen for discount setting by the supplier company.
[0037]
FIG. 8 is a diagram showing a time-series flow of the main transaction described above.
[0038]
The collective payment system according to the present embodiment described above can be realized by software. That is, the collective payment system is actually constituted by a CPU or MPU of a computer, a RAM, a ROM, etc., and can be realized by operating a program stored in the RAM or ROM.
[0039]
Therefore, it can be realized by recording a program that causes a computer to perform the functions of the above-described embodiment on a recording medium such as a CD-ROM and causing the computer to read the program. As a recording medium for recording the program, a flexible disk, a hard disk, a magnetic tape, an optical disk, a magneto-optical disk, a DVD, a nonvolatile memory card, and the like can be used in addition to the CD-ROM. It can also be realized by downloading the program to a computer via a network such as the Internet.
[0040]
In addition, the functions of the above-described embodiments are realized by executing a program supplied by a computer, and the program is used in cooperation with an OS (operating system) or other application software running on the computer. When the functions of the above-described embodiment are realized, or when all or part of the processing of the supplied program is performed by a function expansion board or a function expansion unit of the computer, the function of the above-described embodiment is realized. Such a program is included in the embodiment of the present invention.
[0041]
The above-described embodiments are merely examples of implementation in carrying out the present invention, and the technical scope of the present invention should not be interpreted in a limited manner. In other words, the present invention can be implemented in various forms without departing from the spirit or main features thereof.
[0042]
【The invention's effect】
As described above in detail, according to the present invention, settlement processing for bonds can be managed as a system, and various operations relating to the settlement can be efficiently performed.
[Brief description of the drawings]
FIG. 1 is a diagram showing an outline of processing performed by a collective payment system according to an embodiment.
FIG. 2 is a flowchart showing an operation of uploading payment details data.
FIG. 3 is a flowchart showing an operation of a periodic discount process.
FIG. 4 is a flowchart illustrating an operation of a detail notification process.
FIG. 5 is a flowchart illustrating an operation of a discount process as needed.
FIG. 6 is a flowchart showing an operation of due date processing.
FIG. 7 is a flowchart showing the operation of the early reimbursement process.
FIG. 8 is a diagram showing a time-series flow of main transactions performed using the collective payment system of the present embodiment.
FIG. 9 is a diagram showing an upload file designation screen.
FIG. 10 is a diagram showing a screen of a payment details data reception history / acceptance confirmation list.
FIG. 11 is a view showing a screen of a payment details data reception history / acceptance confirmation list.
FIG. 12 is a diagram showing a screen of a payment details data reception history / reception confirmation list.
FIG. 13 is a diagram showing a payment details data reception confirmation screen.
FIG. 14 is a diagram showing a payment details data reception confirmation screen.
FIG. 15 is a diagram showing a payment details data reception confirmation screen.
FIG. 16 is a diagram showing a payment details data reception confirmation screen.
FIG. 17 is a diagram showing a payment details data reception confirmation screen.
FIG. 18 is a diagram showing a payment details data reception confirmation screen.
FIG. 19 is a diagram illustrating a screen for handling an excess amount.
FIG. 20 is a diagram showing a screen of a prepaid / change payee consent list.
FIG. 21 is a diagram showing a screen of a prepaid / change payee consent statement.
FIG. 22 is a diagram showing a receivable information list screen;
FIG. 23 is a diagram showing a receivable information list screen;
FIG. 24 is a diagram showing a receivable information list screen;
FIG. 25 is a diagram showing a receivable information list screen;
FIG. 26 is a diagram showing a receivable information list screen;
FIG. 27 is a diagram showing a receivable information list screen;
FIG. 28 is a diagram showing a screen of a list of application receivables of discount / change payees as needed.
FIG. 29 is a diagram showing a simulation result screen of a discount / change payee as needed.
FIG. 30 is a diagram showing a screen of a list of interest information.
FIG. 31 is a diagram showing a maintenance screen for interest rate information.
FIG. 32 is a diagram showing a maintenance screen for interest rate information.
FIG. 33 is a diagram illustrating a maintenance screen for interest rate information.
FIG. 34 is a diagram showing a screen for approving interest rate information.
FIG. 35 is a diagram showing a screen of a list of due date payment details.
FIG. 36 is a diagram showing an early payment application screen.
FIG. 37 is a diagram showing a screen for confirming an early payment corresponding credit.
FIG. 38 is a diagram showing an early payment application confirmation screen.
FIG. 39 is a diagram showing a screen for an early reimbursement application result.
FIG. 40 is a diagram showing a screen of an early repayment processed list.
FIG. 41 is a diagram showing a screen for confirming an early application for payment details.
FIG. 42 is a diagram showing a screen for consent details of a prepayment / change payee.
FIG. 43 is a diagram showing a maintenance screen for a change payee.
FIG. 44 is a diagram showing a maintenance screen for a change payee.
FIG. 45 is a screen for performing maintenance of payment details data handling settings by a financial institution.
FIG. 46 is a screen for performing transaction setting maintenance by a financial institution.
FIG. 47 is a screen for performing transaction setting maintenance by a financial institution.
FIG. 48 is a screen for performing maintenance for discount setting by a delivery company.

Claims (1)

A system for realizing a collective payment service that replaces bills when a payment company makes payments to various delivery companies,
Payment details management means for acquiring and managing payment details data from the payment company,
Based on the payment details data managed by the above payment details management means, the receivables subject to discount or early repayment are automatically extracted in light of specific conditions, and the details of the receivables are extracted from the delivery company or payment company. A claim statement notification means for notifying to
From the claim details notified by the above-mentioned claim details notification means, the total combination of details approximating within the range not exceeding the desired discount amount or early repayment amount is automatically extracted on the web, and the discount application or early repayment application Application means to do
Provide or download various information such as settlement schedule, actual payment amount, accounting account items, etc. that change by discounting or early repayment of the subject receivables managed by the above payment details management means on the web through simulation A collective payment system comprising an information providing means.

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