JP2006085675A - Payment processing system and payment processing method for loan collection corresponding to accounts receivable - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment processing system for surely collecting a loan concerning a loan corresponding to the accounts receivable from a recovery fund concerning accounts receivable while flexibly coping with the variation of the accounts receivable, and for efficiently processing the erasures of the accounts receivable, and for preferentially securing appropriation to the payment of the loan. <P>SOLUTION: A financial institute executes a loan concerning accounts receivable owned by a borrower. Accounts receivable are paid from a trade debtor to an account for recovery, and matched with credit sale details by using a payment person or a payment date as a key, so that the accounts receivable can be specified, and a loan corresponding to the accounts receivable is specified, and a fund paid is appropriated to the payment of the specified loan. When any balance is left, it is transferred to an account which is normally used by the borrower, and when the payment amounts runs short, the shortfall is withdrawn from the account which is normally used by the borrower. The priority order of the erasures of the matched credit sales details is decided according to the context of the payment date and the recovery scheduled date and the presence/absence of the corresponding loan. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a deposit processing system and a deposit processing method for executing deposit processing associated with collection of a loan after execution of a loan corresponding to accounts 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 for trade receivables 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

  In addition, the applicant filed a patent application regarding the invention related to the loan collection system and the loan collection method for collecting the loan from the collected funds related to the trade receivables subject to the loan. (Japanese Patent Application No. 2003-286836, unpublished Patent Document 1).

  Of the financing methods related to trade receivables, especially the loan matching trade receivables is procedural for the lenders in that it does not require procedures such as acceptance of trade receivables and collateral setting. This is an easy-to-use method. 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 order to cope with the problem of the invention according to the transfer request form described in Patent Document 4, a dedicated account for collecting accounts receivable is provided as in the invention described in the unpublished Patent Document 1, It is possible to preferentially allocate the funds received to the repayment of loans by matching the accounts receivable and loan details. However, in ordinary business activities, many accounts receivable are paid on the closing date, and funds for a plurality of accounts receivable are often transferred to the same account. In response to such a case, the effectiveness of the above-described method cannot be ensured unless a mechanism for efficiently performing so-called “consumption” in which the received funds are associated with the accounts receivable details is introduced.

  In addition, the receivables receivable that have been collected usually include those that have been financed in proportion and those that have not. It is preferable to prioritize the clearing of trade receivables that have an appropriate loan in order to protect the loan on the part of the loaner, and to quickly allocate the collected funds to the repayment of the loan. The effectiveness of the above method cannot be ensured without using a mechanism that accurately determines priorities in the application of receivables and appropriation of recovered funds.

  The present invention has been made in response to such a problem, and is a deposit processing system for executing a deposit process associated with collection of a loan after execution of a loan corresponding to an account receivable. While flexibly responding to variations, ensure the collection of loans from the collected funds on accounts receivable, efficiently handle the application of accounts receivable, and secure priority for loan repayment It is an object of the present invention to provide a deposit processing system that can be used and a deposit processing method using the deposit processing system.

  The present invention for solving such a problem is a deposit details storage means for storing deposit details data including information relating to at least one of the deposit amount and the deposit date of the accounts receivable held by the borrower. Accounts receivable item storage means for storing accounts receivable item data including information relating to at least one of the amount of receivables and the scheduled collection date; and information relating to loans executed in response to the accounts receivable Loan details storage means for storing the loan details data including the detail number associated with the claim receivable, and the receipt details data stored in the receipt details storage means, the deposit amount included in the receipt details data and the accounts receivable Amount of receivables included in the accounts receivable data stored in the statement storage means, or a payment date included in the receipt details data and the accounts receivable data stored in the accounts receivable storage means A receivable item specification unit that matches at least one of the scheduled collection dates included in the transaction item and specifies it as a receivable item data corresponding to the receipt item data, and a receivable item data specified by the receivable item specification unit For example, it is possible to record that the receivable has been collected by associating an amount to be applied, which is at least a part of the amount of money included in the payment details data, with the amount of receivable included in the accounts receivable data. Receivable receivable clearing means for updating the receivables data relating to the receivables that have been subjected to the clearing process to reflect the clearing process, and the receivable detailed specification means has two or more When specifying the accounts receivable data, with regard to the priority order in which the accounts receivable application clearing unit performs the application process, the accounts receivable data with the scheduled collection date before the payment date, and the collection date matches the payment date Accounts receivable details Data, the retirement order specifying means for specifying the order of the accounts receivable after the payment date, and the accounts receivable data stored in the accounts receivable storing means in the loan details storing means. The loan details data is collated with the details number as a key, the loan details specifying means for specifying the loan details data corresponding to the accounts receivable details data, and the accounts receivable reconciliation means performed the application process For the accounts receivable data, at least part of the application amount of the accounts receivable due to the application process is a contract repayment determined in the loan details data specified as corresponding to the accounts receivable data by the loan details specifying means A withdrawal processing means for performing a withdrawal process for withdrawing from the account ledger of the collection account for appropriating to the collection account, and the accounts receivable settlement application means that there is a residual in the deposit amount after the settlement process In the case of payment, the application order specifying means performs application processing on the account receivable data specifying the priority order as the next order, and executes the deposit process associated with the collection of the loan corresponding to the accounts receivable This is a deposit processing system.

  In the present invention, for the deposit details of the funds deposited in the collection account, the corresponding account details and the corresponding loan details are specified, and the deposited funds are applied to the repayment of the loan. While flexibly responding to variations in receivables, it is possible to reliably secure recovery from funds collected for receivables. In addition, with regard to the receivables settlement process, the priority order is specified using the scheduled collection date of the accounts receivable and the receipt date of the receipt details as keys, and the settlement process is performed according to the priority order. It can be processed efficiently.

  Further, according to the present invention, for two or more accounts receivable specification data specified by the accounts receivable specification specifying means, for at least one item of accounts receivable specification data, corresponding loan specification data is specified by the loan specification specifying means, and at least one If the corresponding loan statement data is not specified by the loan statement specifying means, the application order specifying means is that the collection date of the account details data for which the loan statement data is not specified is the payment date. For accounts receivable data for which the previous receivable item data and the scheduled collection date are the same as the payment date, among the accounts receivable item data for which the loan statement data is specified, the receivable whose collection date is after the payment date Accounts receivable data and collections whose collection date is earlier than the payment date among the accounts receivable data for which the loan statement data is specified above the item data Lower than the trade detailed data trade date matches the payment date, it can be characterized by identifying the priority.

  In this configuration, based on the availability of a loan corresponding to the scheduled collection date, the cancellation of accounts receivable after the scheduled collection date has priority over those prior to the scheduled collection date, By setting the priority of a certain trade receivable as high, it becomes possible to preferentially secure the recovered funds for repayment of loans.

  Further, according to the present invention, the receivable receivable clearing means performs a clearing process for the debit amount by the withdrawal processing means for the receivable detail data for which the corresponding loan detail data is identified by the loan detail identifying means. If the accounts receivable remains for the accounts receivable data, the accounts receivable data is updated as the accounts receivable data for which the loan details data is not specified for the remaining accounts receivable. Further, it is possible to specify the priority order of the account receivable data updated by the account receivable receivable means as the account receivable data for which the loan detail data is not specified.

  Even for receivables for which there is a corresponding loan, the loan balance is not necessarily the same as the amount of the receivable, but rather the loan amount is determined by multiplying the amount of receivable by a certain amount, so the total amount of the receivable In many cases, the balance will be generated after repayment of an appropriate loan. In some cases, the remainder generated in this way should be prioritized for repayment of other accounts receivable loans. In this configuration, the remainder is treated as accounts receivable for which there is no corresponding loan. This makes it possible to cope with a case where there is a loan balance that should be given priority to repayment.

  Furthermore, the present invention provides transfer processing means for performing transfer processing to an account ledger of a normal account held by the borrower for at least a part of the application amount associated with the amount of receivables in the receivable receivable application means. And when the receivable receivable clearing means performs a clearing process on the receivable detail data for which the corresponding loan detail data is identified by the loan detail identifying means, the withdrawal amount by the withdrawal processing means If a residual amount for the amount subject to application occurs after the application process for minutes, the receivable receivable application means executes an application process for the receivable item data with the next priority for the remaining amount, When the transaction details are processed for the accounts receivable statement data for which the corresponding loan statement data is not identified by the loan statement identification means, the transfer target amount used by the transfer processing means for the application processing It may also be characterized by performing the replacement process.

  In the present invention, in order to give priority to the repayment of the loan corresponding to the accounts receivable, the collection funds of the accounts receivable are credited to the collection account. It is preferable to transfer the remainder after the transfer to a normal account from which funds can be withdrawn promptly. When receivables that do not have a corresponding loan are cleared, the clearing process and the repayment of the loan for all receivables corresponding to the receivables that have passed the scheduled collection date have been completed. Therefore, in this configuration, for the application of accounts receivable for which there is no corresponding loan, transfer processing to a normal account is performed.

  Furthermore, the present invention uses a deposit processing system for collecting loans corresponding to accounts receivable corresponding to each configuration of a deposit processing system for collecting loans corresponding to accounts receivable according to the present invention. It can also be specified as a deposit processing method.

  According to the present invention, in the collection of loans corresponding to trade receivables, the collection of loans from the collected funds related to trade receivables while flexibly responding to variations in the receivables subject to the receivables and the accounts receivable. Can be ensured. In addition, it is possible to efficiently process the retirement of accounts receivable while preferentially securing the repayment of loans.

  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 will make it easier to lend in response to accounts receivable by streamlining the process of receivable receivables, and strengthening the means of securing receivables by preferentially securing the repayment of loans. Can do.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In addition, the specific examples such as the type of account used in the following description and the setting of the item number as a key for linking are examples of the deposit processing system according to the present invention, and the present invention is limited to the embodiment. Is not to be done.

  FIG. 1 is a diagram showing an overall scheme of deposit processing by a deposit processing system according to the present invention. FIG. 2 is a block diagram showing the configuration of the deposit processing system according to the present invention. FIG. 3 is a diagram showing an example of the priority order of the receivable application process set in the deposit processing system according to the present invention. 4-7 is a figure which shows the 1st-4th example of the correspondence of the amount of money to a collection account, the amount of accounts receivable, and a loan balance in the deposit processing by the deposit processing system concerning this invention, respectively. . 8 to 17 are diagrams showing first to tenth processing steps, respectively, in the first example of the deposit processing procedure by the deposit processing system according to the present invention (case where the deposit is normally made on the scheduled collection date). . 18 to 30 are diagrams showing first to thirteenth processing steps, respectively, in the second example of the deposit processing procedure by the deposit processing system according to the present invention (a case where there is an overdue detail). FIGS. 31 to 40 show the first to tenth examples in the third example of the deposit processing procedure by the deposit processing system according to the present invention (the case where there is an arrears details and the partial repayment is made from the normal account). It is a figure which shows the process step. FIGS. 41-45 is a figure which shows the 1st-5th process step, respectively in the 4th example (case where it deposits more than the amount of collections) with the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. .

  With reference to FIG. 1, an overall scheme of deposit processing by the deposit processing system according to the present invention will be described. A financial institution such as a bank can obtain details of accounts receivable from the borrower and use the funds collected from the accounts receivable for repayment of the loan in accordance with the collection date and amount of the accounts receivable. Set conditions and execute a loan for trade receivables. 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.

  When collection funds for accounts receivable are deposited in a collection-only account, the corresponding accounts receivable are identified from the information on the depositor and the date of payment, and the loan is executed in accordance with the accounts receivable. In order to identify and prioritize the repayment of the loan, a withdrawal process is executed from the collection-only account. There are no particular restrictions on the method for identifying trade receivables, and the payment date and payment amount may be matched with the scheduled collection date and receivable amount of the accounts receivable details. It may be based on a method used exclusively for clearing accounts receivable, such as a method for requesting grant.

  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 a checking account that is normally used by the borrower, and the borrower can freely use the deposited funds. On the other hand, if the amount of funds deposited in the collection-only account is insufficient for the scheduled repayment amount due to unpaid receivables or partial deposits, the borrower normally uses the shortage. The withdrawal process may be executed from the current account.

  In FIG. 2, the deposit processing system according to the present invention is configured as a part of the bank system 10. The bank system 10 includes an arithmetic processing unit 11, a collection account ledger file 12, a deposit account ledger file 13, a bank account ledger file 14, an accounts receivable statement database 15, and a loan statement database 16. The call destination terminal 20 and the ATM 30 are connected through a communication network. The arithmetic processing unit 11 includes at least a CPU that performs arithmetic processing of a computer, a main memory, and a hard disk that stores a program that operates on the bank system 10, and the function of the arithmetic processing unit 11 is not limited to a single computer. Each function may be processed by the computer.

  A financial institution such as a bank acquires the details of accounts receivable held by the borrower from the borrower, and receivables can be repaid from the collected funds according to the collection date and amount of the receivable. Carry out loan balances. In order to clarify the relationship between accounts receivable and loans, record the line number of the accounts receivable corresponding to the loan details of the loan to be executed, or record the action number of the loan details corresponding to the accounts receivable The receivable details and the loan details are associated with each other. Loans for trade receivables are generally executed with a loan amount obtained by multiplying the receivable amount of the receivable receivable by a certain degree of safety in consideration of the collection date of the receivable. The receivable details for which the loan has not been executed are not linked to the loan details. In this way, the details of the accounts receivable acquired from the borrower are recorded in the accounts receivable database 15 as accounts receivable, and the details of the loan executed are recorded in the loan details database 16. And stored.

  In the accounts receivable from which the borrower sold the goods, the payment is made by transferring money from the accounts receivable terminal 20 such as the EB terminal or the ATM 30 to the account designated by the borrower when the account receivable date comes. When the bank system 10 accepts the data related to the transfer, the calculation processing unit 11 performs a book entry process to the account file accompanying the transfer. With respect to the transferred funds, the depositing process to the collection account is executed, and the deposit details are stored in the collection account ledger file 12. The current account that the borrower has set up for deposits and withdrawals of funds can be used as the collection account for the accounts receivable of accounts receivable, but the funds received and the accounts receivable are accurately matched. Therefore, it is preferable to provide a dedicated account in which only the collection of accounts receivable is managed separately.

  For the payment details relating to the receivables created in this way, the calculation processing unit 11 starts a matching program with the accounts receivable details, so that the depositor and the debtor, the payment date and the scheduled collection date, the deposit amount and the amount of the claim. Matching with the accounts receivable details in the accounts receivable details database 15 is performed using the above as a key, and the corresponding accounts receivable details are specified. When the accounts receivable details corresponding to the deposit details are specified, the calculation processing unit 11 starts the matching program with the loan details, and matches the loan details in the loan details database 16 using the linked detail number as a key. The loan details corresponding to the deposit details are specified.

  When the loan details corresponding to the payment details are specified in this way, a program for executing fund transfer processing between accounts is started in the arithmetic processing unit 11, and the amount of loan repayment is withdrawn from the collection account, and the collection account ledger file 12 is recorded as the balance after the withdrawal. At the same time, the bank account ledger file 14 executes a process of reducing the amount of the loan receivable or the overdraft account and reflecting the repayment of the loan details in the bank account.

  On the other hand, with respect to the deposit amount for which the corresponding loan details have not been specified, a program for executing fund transfer processing between accounts is started in the arithmetic processing unit 11, and the amount deposited in the collection account ledger file 12 is A process of depositing into a checking account or the like that is normally used by the borrower is executed, and the balance after the deposit is recorded in the deposit account ledger file 13 of the corresponding account.

  In addition, when the relevant loan details are specified, but the funds received are less than the required repayment amount of the loan, the shortage of the repayment may be deducted from the checking account that is normally used and used for repayment. . That is, when the shortage becomes clear at the time of the specification matching, or when the repayment is not recorded in the bank account ledger file 14 even when the loan due date is reached, the calculation processing unit 11 executes the funds transfer process between the accounts. The program is started, the funds for the repayment are withdrawn from the savings account ledger file 13 such as the checking account normally used by the borrower, the amount of the loan receivables and the overdraft account is reduced to the bank account ledger file 14, Processing for reflecting the repayment of the loan details in the bank account may be executed.

  In the course of such processing, when accounts receivable corresponding to the received funds are determined, the accounts receivable are deleted in order to exclude the matched accounts receivable from matching for the next receipt. Processing is performed. The application process can be performed by a method such as flagging a record related to a receivable item that has been confirmed to be collected. However, only a part of the receivable amount may be applied using the funds received. Therefore, a method of managing the remaining accounts receivable by updating the balance of the amount of receivable is preferable. The application process is performed by starting a program for the application process in the arithmetic processing unit 11 and updating the balance of the amount of receivables stored in the accounts receivable database 15.

  By the way, when receivables are received, payments for a plurality of receivables are often made at the same payee. In the matching process between the receipt details and the accounts receivable details, when a plurality of accounts receivable hits for one receipt, it becomes a problem which accounts receivable are reconciled in order. As for the order of application, priority should be given to those with the earliest expected collection date. On the other hand, accounts receivable with an appropriate loan balance should be prioritized to secure repayment funds. Preferably, it is preferable to set in advance so that the consumption process can proceed efficiently according to these conditions.

  FIG. 3 is an example of a definition relating to the priority order of the application receivable receivable process for efficiently performing the application process while preferentially securing the loan repayment funds. In the clearing process accompanying the matching of the deposit details and the accounts receivable details, the priority order for the program for the clearing process executed in the arithmetic processing unit 11 is defined, and a plurality of accounts receivable details are hit. It is preferable to improve the efficiency of the processing.

  When the priority order is determined according to the definition in Fig. 3 and the process of clearing accounts receivable proceeds in accordance with the priority order, the surplus amount of deposits generated when the deposit amount exceeds the receivables amount of accounts receivable, the collected sales Since the upper limit after the loan is paid for repayment of the matching loan, the handling of these remaining claims becomes a problem. For example, as in the example of FIGS. 4 to 7, the deposit surplus amount and the upper limit amount are generated depending on the correspondence relationship of the deposit amount to the collection account, the receivable amount, and the loan balance. In addition, the deposit surplus shown in the following example is the amount obtained by subtracting the receivables receivable subject to application from the deposit amount, and the upper limit is obtained by subtracting the loan balance from the application receivables receivable receivable It is defined as the amount.

  In FIG. 4, since the deposit amount to the collection account exceeds the receivable amount, a surplus deposit amount is generated. Since all the corresponding accounts receivable are collected, the total amount of accounts receivable becomes the amount to be applied. Since the loan balance executed for this accounts receivable balance is smaller than the amount of accounts receivable, the deposit amount will be used for repayment of the entire loan balance and will be subject to application but will not be applied to loan repayment. A forehead is generated. The amount to be applied here is the amount to be applied for repayment of loans. And the amount to be applied corresponding to the top amount 2. In the application for receivables, the amount subject to application is 1. to prioritize loan repayment. Is applied and the amount to be applied corresponding to the top amount 2. Will be treated as an accounts receivable without a matching loan.

  In FIG. 5, since the deposit amount to the collection account exceeds the receivable amount, a surplus deposit amount is generated. Since all the corresponding accounts receivable are collected, the total amount of accounts receivable becomes the amount to be applied. Since the loan balance does not remain in this trade receivable balance, the total amount of the trade receivable is the upper limit, and the application process is performed on the upper limit.

  In FIG. 6, the amount deposited into the collection account is less than the amount of receivables, so there is no surplus amount of receivable, and some of the corresponding receivables are collected. It becomes the amount subject to application, and the remaining accounts receivable remain as unapplied. Since the loan balance executed for this accounts receivable balance is smaller than the amount of accounts receivable, the deposit amount will be used for repayment of the entire loan balance and will be subject to application but will not be applied to loan repayment. A forehead is generated. The amount to be applied here is the amount to be applied for repayment of loans. And the amount to be applied corresponding to the top amount 2. In the application for receivables, the amount subject to application is 1. to prioritize loan repayment. Is applied and the amount to be applied corresponding to the top amount 2. Will be treated as an accounts receivable without a matching loan.

  In FIG. 7, the amount deposited into the collection account is less than the amount of receivables, so there is no surplus amount of receivables, and some of the corresponding receivables are collected. It becomes the amount subject to application, and the remaining accounts receivable remain as unapplied. The loan balance executed for this trade receivable balance is smaller than the trade receivable amount, but exceeds the deposit amount, so the deposit amount is used to repay the entire loan balance and the loan balance remains. Receivables that have not been cleared remain, including the portion exceeding the loan balance. Here, since the loan balance is larger than the application amount, no upper limit is generated.

  The surplus deposit amount and the upper limit amount generated in this way are handled as follows. First, since the surplus deposit amount is a surplus amount generated after a certain trade receivable is cleared, the priority shown in FIG. 3 is used for clearing the next trade receivable. On the other hand, the upper limit amount is the remaining amount after repaying an appropriate loan among the receivables subject to application, so in principle it is transferred to a normal account so that the borrower can use it freely. However, if there is an outstanding loan balance to be repaid in the accounts receivable after the next rank, priority should be given to the repayment of the loan. The upper limit amount incurred for trade receivables to be used is used to clear the details of the next rank. In the example of FIG. 3, in combination with the above rules, if the payment date is paid before the scheduled collection date in the future, even if there is a matching loan, the loan is before the repayment deadline. Even the upper limit of receivables that do not exist is transferred to a regular account.

  Subsequently, the deposit processing procedure by the deposit processing system according to the present invention will be specifically described with reference to the examples of FIGS. FIGS. 8 to 17 are a first example in which payment is normally made on the scheduled date of collection, FIGS. 18 to 30 are a second example in which an overdue statement exists, and FIGS. FIG. 41 to FIG. 45 show a fourth example in which there is an arrears statement and a part of the repayment is made from a normal account. . In these examples, it is assumed that the details of the same account receivable after matching the depositor and the account receivable are extracted for the receipt details and the accounts receivable details. Yes.

  First, as for the first example, which is a case in which payment is usually made on the scheduled collection date, two payments of 4 million yen and 3 million yen are recorded in the collection account on August 31, 2004 as details. On the other hand, the three accounts receivable details with the accounts receivable numbers 001 to 003 are specified by matching the depositor and the accounts receivable, and the approach numbers 1-01 and 1 are provided as loans corresponding to these accounts receivables. There are two loan details, -02 (Figure 8). There is no particular limitation as to which of the two payment details will start the application process, but here the process starts with the largest amount.

  Since the account number 001 has the same settlement date as the payment date and there is no matching loan when searching for the loan details using the account number as a key, the priority order in FIG. Account number 002 has the same settlement date as the payment date, and when a loan statement is searched using the account number as a key, there is a loan balance with an approach number 1-01, and the priority in FIG. The receivable number 003 has a settlement date before the payment date, and a loan balance with an approach number 1-02 is present when searching for a loan statement using the receivable number as a key. It becomes the rank. Accordingly, although the deposit of 4 million yen is used to clear the receivable number 002 with the highest priority, the balance of the accounts receivable is 3 million yen, and a surplus deposit amount of 1 million yen is generated. Since there is an appropriate loan balance in the accounts receivable number 002, 2.4 million yen equivalent to the loan balance out of the deposit amount is devoted to repayment to the bank loan account, and the balance of the loan details is updated to 0 yen (FIG. 9).

  For 2,400,000 yen that has been repaid, a subtraction process is performed to record that the accounts receivable have been collected by subtracting from the accounts receivable balance of the accounts receivable details. As a result, the receivable amount of 3 million yen for the receivable number 002 has a balance of 600,000 yen. This receivable of 600,000 yen is subject to application processing as an receivable with no matching loan balance. Become. In addition, after the repayment of the loan, the upper limit amount of 600,000 yen is generated since the amount that has not been used for the repayment of the loan is treated as the upper limit amount (FIG. 10).

  Since the upper limit of 600,000 yen originates from accounts receivable with a loan balance of priority 2, it is used to clear the details of the next order. Accordingly, the upper limit amount of 600,000 yen and the surplus deposit amount of 1 million yen are used for the application of the remaining 600,000 yen receivables remaining for the accounts receivable number 002 as the details of the next rank (FIG. 11). In other words, 1,600,000 yen is devoted to the receivables of 600,000 yen, but the reconciliation process is performed with the balance of 600,000 yen receivable as 0 yen, and the difference of 1 million yen is It will be the surplus amount. There is no provisional loan, and the amount devoted to clearing is treated as the top amount, but here the receivables subject to clearing are those for which there is no partial loan, so the top amount generated was 600,000 yen Is transferred to the regular account of the accounts receivable (FIG. 12). At this stage, the accounts receivable number 002 is already cleared.

  The surplus amount of 1 million yen is used for the application process of the receivable number 001 whose priority is the next order (FIG. 13). Since the accounts receivable balance of the accounts receivable number 001 is 4 million yen, an application process of 1 million yen as a part thereof is performed, and the accounts receivable balance is updated to 3 million yen. Since there is no matching loan for the accounts receivable number 001, 1 million yen used for application is treated as the upper limit (FIG. 14). The generated upper limit of 1 million yen is transferred to the regular account of the accounts receivable (Fig. 15).

  Next, the deposit of 3 million yen with the receipt number 2 is used for the application process of the balance of 3 million yen of the accounts receivable number 001 having the highest priority (FIG. 16). Since the receivable balance of the receivable number 001 is 3 million yen, the entire amount is applied and the receivable balance is updated to 0,000 yen. Since there is no matching loan for receivable number 001, 3 million yen used for application is treated as the upper limit, and the generated upper 3 million yen is transferred to the ordinary account of the receivable creditor (Fig. 17). At this stage, the accounts receivable number 001 is already applied. Since the application process has been performed for all the deposit details (that is, all the deposit surplus amount and the upper limit amount have disappeared), the deposit process ends here.

  Subsequently, for the second example, which is a case in which there are delinquency details, on August 31, 2004, two deposits of 4 million yen and 3 million yen are recorded as details in the collection account. On the other hand, the accounts receivable and the accounts receivable are matched to the three accounts receivable details of the accounts receivable numbers 101 to 103, and the approach numbers 2-01 and 2 are provided as loans corresponding to these accounts receivables. There are two loan details, -02 (Figure 18). There is no particular limitation as to which of the two payment details will start the application process, but here the process starts with the largest amount.

  Accounts receivable number 101 is an arrears receivable whose settlement date is before the payment date, and there is a loan balance of approach number 2-01 correspondingly when searching for loan details using the account receivable number as a key. The priority is first. For the accounts receivable number 102, the settlement date is the same as the payment date, and when the loan details are searched using the accounts receivable number as a key, there is no matching loan, so the priority in FIG. The account number 103 has the same settlement date as the payment date, and when the loan details are searched using the account number as a key, there is a loan balance with the approach number 2-02, so the priority in FIG. Accordingly, the deposit of 4 million yen is used to clear the receivable number 101 with the highest priority, but the balance of the accounts receivable is 2 million yen, so that a surplus of 2 million yen is generated. Since there is an appropriate loan balance in the accounts receivable number 101, 1.6 million yen equivalent to the loan balance out of the deposit amount is used for repayment to the bank loan account, and the balance of the loan details is updated to 0 yen (FIG. 19).

  For the 1.6 million yen that has been repaid, it is subtracted from the accounts receivable balance of the accounts receivable details, and an application process for recording that the accounts receivable has been collected is performed. As a result, the receivable amount of 2 million yen for the receivable number 101 has a balance of 400,000 yen, but this receivable of 400,000 yen is subject to application processing as an receivable with no matching loan balance. Become. In addition, after the repayment of the loan, the amount that has not been used for the repayment of the loan is treated as the upper end amount, so that an upper end amount of 400,000 yen is generated (FIG. 20).

  The upper limit of ¥ 400,000 is generated from accounts receivable with a loan balance with the second highest priority, and is used to clear the next level of details. Therefore, the upper limit amount of 400,000 yen and the surplus deposit amount of 2 million yen are used for the clearing process of the next priority item. Since the receivable is a loan with no matching loan, the priority in FIG. 3 is the third place. Accordingly, the details of the next order are the details of the accounts receivable number 103 having the second highest priority, and 2.4 million yen is devoted to the application process for the accounts receivable of 3 million yen. (FIG. 21).

  As for the accounts receivable number 103, since the accounts receivable balance is 3 million yen, the 2.4 million yen is fully used for the application, and there is no surplus payment amount. Since there is an appropriate loan balance in the accounts receivable number 103, 2.4 million yen equivalent to the loan balance out of the deposit amount will be used for repayment to the bank loan account, and the balance of the loan details will be updated to 0 yen (FIG. 22).

  For 2,400,000 yen that has been repaid, a subtraction process is performed to record that the accounts receivable have been collected by subtracting from the accounts receivable balance of the accounts receivable details. As a result, the receivable amount of 3 million yen with the receivable number 103 becomes 600,000 yen, and this 600,000 yen receivable is subject to application processing as receivable with no matching loan balance. Become. In addition, since the amount of 2,400,000 yen subject to application was fully used for loan repayment, no upper end amount was generated (FIG. 23).

  Next, the deposit of 2 million yen with the receipt number 2 is used for the clearing process of the accounts receivable item with the highest priority, but the receivable of 600,000 yen remaining for the account receivable item 103 as described above. Since there is no provisional loan, the priority in FIG. As a result, the receivable balance of ¥ 400,000 with the receivable number 102 having the second highest priority is the highest, and this is used for the reversal processing of the receivable balance (FIG. 24). In other words, 3 million yen is devoted to the receivables of 400,000 yen, but the reconciliation process is performed with the balance of accounts receivable of 400,000 yen being 0 yen, and the difference of 2.6 million yen is It will be the surplus amount. There is no provisional loan, and the amount devoted to clearing is treated as the top amount, but here the receivables subject to clearing are those for which there is no partial loan, so the top amount generated was 400,000 yen Is transferred to the regular account of the accounts receivable (FIG. 25). At this stage, the accounts receivable number 101 is already applied.

  The surplus deposit amount of 2.6 million yen generated here is used for the application process of the accounts receivable number 103 whose priority is the next order (FIG. 26). Since the accounts receivable balance of the accounts receivable number 103 is 600,000 yen, a clearing process is performed to set the accounts receivable balance to 0 yen, and the difference of 2 million yen becomes the surplus payment amount. There is no provisional loan, and the amount devoted to clearing is treated as the top amount, but here the receivables subject to clearing are those for which there is no partial loan, so the top amount generated was 600,000 yen Is transferred to the regular account of the accounts receivable (FIG. 27). At this stage, the accounts receivable number 103 is already applied.

  The surplus deposit amount of 2 million yen is used for the application process of the accounts receivable number 102 which has the next highest priority (FIG. 28). Since the balance of accounts receivable of the accounts receivable number 102 is 4 million yen, the 2.4 million yen surplus of the deposit is subtracted from the accounts receivable balance of the accounts receivable details, and an application process for recording that the accounts receivable has been collected is performed. . As a result, the receivable amount of 4 million yen for the receivable number 102 is 2 million yen (FIG. 29), and the receivables subject to application are those for which there is no matching loan. Is transferred to the regular account of the accounts receivable (FIG. 30). Since the application process has been performed for all the deposit details (that is, all the deposit surplus amount and the upper limit amount have disappeared), the deposit process ends here.

  Subsequently, regarding the third example where there is an arrears statement and some repayments are made from a normal account, on September 3, 2004, two cases of 4 million yen and 3 million yen were collected in the collection account. The receipt is recorded as a statement. On the other hand, the accounts receivable numbers 201 to 203 are identified by matching the depositor and the accounts receivable, and the transaction numbers 3-01 and 3 are used as loans corresponding to these accounts receivables. There are two loan details, -02 (Figure 31). There is no particular limitation as to which of the two payment details will start the application process, but here the process starts with the largest amount.

  Accounts receivable number 201 is an arrears receivable whose settlement date is before the payment date, and when searching for loan details using the accounts receivable number as a key, there is no matching loan, so the priority in FIG. . Accounts receivable number 202 is an arrears receivable whose settlement date is before the payment date, and there is a loan balance of approach number 3-01 corresponding to the search for loan details using the account receivable number as a key. The priority is first. The receivable number 203 has a settlement date earlier than the payment date, and there is a loan balance of the approach number 3-02 in accordance with the search for the loan details using the receivable number as a key. It becomes the rank. Accordingly, although the deposit of 4 million yen is used to clear the accounts receivable number 202 having the highest priority, the balance of the accounts receivable is 3 million yen, so that a surplus of 1 million yen is generated. Since there is an appropriate loan balance in the accounts receivable number 202, 2 million yen equivalent to the loan balance out of the deposit amount is devoted to repayment to the bank loan account, and the balance of the loan details is updated to 0 yen (FIG. 32).

  Here, the loan balance of the loan details with the approach number 3-01 is 2 million yen, but the initial loan amount is recorded as 2.4 million yen. In this way, the difference of 400,000 yen occurred because the collection of accounts receivable was not made even when the settlement date of the corresponding accounts receivable arrived. This is because it was debited to repay the loan. Although the repayment of 400,000 yen was made, but the accounts receivable from the accounts receivable has not been collected, the point here is that the accounts receivable balance of the corresponding accounts receivable has not been changed. Become.

  For the 2 million yen that has been repaid, an application process is performed to record that the accounts receivable have been collected by subtracting from the accounts receivable balance of the accounts receivable details. As a result, the receivable amount of 3 million yen for the accounts receivable number 202 has a balance of 1 million yen. The 1 million yen receivables are subject to application processing as receivables with no matching loan balance. Become. In addition, after the repayment of the loan, the amount that has not been used for the repayment of the loan is treated as the upper limit amount, so that an upper limit amount of 1 million yen is generated (FIG. 33).

  The upper limit of 1 million yen is generated from the accounts receivable with the second highest priority loan balance, and is used to clear the next level of details. Therefore, the upper limit of 1 million yen and the remaining deposit of 1 million yen are used to clear the remaining 1 million yen of accounts receivable remaining for the accounts receivable number 202 as the details of the next rank (FIG. 34). In other words, 2 million yen is devoted to the 1 million yen trade receivables, but the 1 million yen receivable balance is cleared to 0 yen, and the difference of 1 million yen is It will be the surplus amount. There is no provisional loan, and the amount devoted to clearing is treated as the top amount, but here the receivables subject to clearing are those for which there is no partial loan, so the top amount generated was 1 million yen Is transferred to the regular account of the accounts receivable (FIG. 35). At this stage, the accounts receivable number 202 is already applied.

  The surplus deposit amount of 1 million yen is used for the application process of the accounts receivable number 201 having the next priority (FIG. 36). Since the accounts receivable balance of the accounts receivable number 201 is 4 million yen, the application process of 1 million yen, which is a part thereof, is performed, and the accounts receivable balance is updated to 3 million yen. Since there is no matching loan for the accounts receivable number 201, 1 million yen devoted to application is treated as the upper limit (FIG. 37). The generated upper limit of 1 million yen is transferred to the receivable creditor's normal account (FIG. 38).

  Next, the 3 million yen deposit with the receipt number 2 is used for the application process of the 3 million yen account receivable with the account number 201 having the highest priority (FIG. 39). Since the receivable balance of the receivable number 201 is 3 million yen, the entire amount is applied and the receivable balance is updated to 0,000 yen. Since there is no matching loan for the accounts receivable number 201, 3 million yen used for application is treated as the upper limit, and the generated upper 3 million yen is transferred to the ordinary account of the accounts receivable (Fig. 40). At this stage, the accounts receivable number 201 is already applied. Since the application process has been performed for all the deposit details (that is, all the deposit surplus amount and the upper limit amount have disappeared), the deposit process ends here.

  Subsequently, for the fourth example, which is a case where a larger amount than the planned collection amount is deposited, on August 31, 2004, a deposit of 4 million yen is recorded as a statement in the collection account. On the other hand, the three accounts receivable details of accounts receivable numbers 301 to 303 are specified by matching the depositor and the account receivable, and the loans with the approach number 4-01 as a loan commensurate with these accounts receivable. There is a specification (FIG. 41).

  The receivable number 301 has the same settlement date as the payment date, and when the loan details are searched using the receivable number as a key, there is no reasonable loan, so the priority in FIG. 3 is fourth. The receivable number 302 has a settlement date earlier than the payment date, and when a loan statement is searched for using the receivable number as a key, there is no reasonable loan, so the priority in FIG. 3 is sixth. The receivable number 303 has a settlement date earlier than the payment date, and there is a loan balance with an approach number 4-01 corresponding to a search for the loan details using the receivable number as a key. It becomes the rank. Accordingly, the deposit of 4 million yen is used to clear the accounts receivable number 301 with the highest priority, but since the balance of accounts receivable is 3 million yen, a surplus deposit amount of 1 million yen is generated. Since there is no matching loan balance in Receivable No. 301, 3 million yen used for application is treated as the upper limit, and the generated upper 3 million yen is transferred to the ordinary account of the accounts receivable (FIG. 42). At this stage, the accounts receivable number 301 is already applied.

  The surplus deposit amount of 1 million yen is used for the application process of the accounts receivable number 303 having the next priority (FIG. 43). Since there is an appropriate loan balance in the accounts receivable number 303, the remaining 1 million yen is allotted for repayment to the bank loan account, but the balance remains 600,000 yen. Is updated to 600,000 yen (FIG. 44).

  For 1 million yen that has been repaid, a subtraction process is performed to record that the accounts receivable have been collected by subtracting from the accounts receivable balance of the accounts receivable details. As a result, the receivable amount of 2 million yen for the receivable number 303 is updated to 1 million yen. Since there is no residue after the loan is repaid, there is no upper limit (Figure 45). At this stage, the payment process has been performed on the payment details (that is, all the remaining payment amount and the upper limit amount have disappeared), so the payment process ends here.

It is a figure which shows the whole scheme of the money_receiving | payment process by the money_receiving | payment processing system concerning this invention. It is a block diagram which shows the structure of the money_receiving | payment processing system concerning this invention. It is a figure which shows an example of the priority of the application process of an accounts receivable which is set in the money_receiving | payment processing system concerning this invention. It is a figure which shows the 1st example of the corresponding | compatible relationship of the deposit amount to a collection account, the amount of accounts receivable, and a loan balance in the deposit process by the deposit processing system concerning this invention. It is a figure which shows the 2nd example of the response | compatibility of the money_receiving | payment amount to a collection account, the amount of accounts receivable, and a loan balance in the money_receiving | payment process by the money_receiving | payment processing system concerning this invention. It is a figure which shows the 3rd example of the corresponding | compatible relationship of the deposit amount to a collection account, the amount of accounts receivable, and a loan balance in the deposit process by the deposit processing system concerning this invention. It is a figure which shows the 4th example of the correspondence of the amount of money to be collected into a collection account, the amount of accounts receivable, and a loan balance in the money_receiving | payment process by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 1st process step in the 1st example (case with which payment is normally carried out on a collection scheduled date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 2nd process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 3rd process step in the 1st example (case with which payment is normally carried out on a collection scheduled date) of the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 4th process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 5th process step in the 1st example (case with which payment is normally carried out on a collection scheduled date) of the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 6th process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 7th process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system according to the present invention. It is a figure which shows an 8th process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows the 9th process step in the 1st example (case with which payment is normally carried out on the scheduled collection date) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows the 10th process step in the 1st example (case with which payment is normally carried out on a collection scheduled date) of the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 1st process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 2nd process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 3rd process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 4th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 5th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 6th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 7th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows an 8th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 9th process step in the 2nd example (case with arrears details) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 10th process step in the 2nd example (case with arrears details) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows the 11th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows the 12th process step in the 2nd example (case with arrears details) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows the 13th process step in the 2nd example (case with an overdue detail) of the money_receiving | payment processing procedure by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 1st process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) by the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 2nd process step in the 3rd example (case in which arrears details exist and a part of repayment is performed from a normal account) by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 3rd process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 4th process step in the 3rd example (case in which arrears details exist and a part of repayment is performed from a normal account) by the money_receiving | payment processing system concerning this invention. It is a figure which shows a 5th process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 6th process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 7th process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows an 8th process step in the 3rd example (case in which arrears details exist and a part of repayment is performed from a normal account) by the money_receiving | payment processing system concerning this invention. It is a figure which shows the 9th process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 10th process step in the 3rd example (case in which there are arrears details and a part of repayment is performed from a normal account) in the payment processing procedure by the payment processing system concerning this invention. It is a figure which shows a 1st process step in the 4th example (case where it deposits more than the collection | recovery estimated amount) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 2nd process step in the 4th example (case where it deposits more than the collection estimated amount) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 3rd process step in the 4th example (case where it deposits more than the collection estimated amount) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 4th process step in the 4th example (case where it deposits more than the collection estimated amount) of the deposit processing procedure by the deposit processing system concerning this invention. It is a figure which shows a 5th process step in the 4th example (case where it deposits more than the collection | recovery estimated amount) of the deposit processing procedure by the deposit processing system concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Bank system 11 Arithmetic processing part 12 Collection account ledger file 13 Deposit account ledger file 14 Bank account ledger file 15 Accounts receivable details database 16 Loan details database 20 Accounts receivable terminal 30 ATM

Claims (5)

A deposit details storage means for storing deposit details data including information on at least one of the deposit amount and the deposit date of the accounts receivable held by the borrower;
Accounts receivable item storage means for storing accounts receivable item data including information on at least one of the amount of receivables and the scheduled collection date;
Loan details storage means for storing loan details data including the details number associated with the accounts receivable for information related to the loans executed corresponding to the accounts receivable;
About the receipt details data stored in the receipt details storage means, the receipt amount included in the receipt details data and the receivable amount contained in the accounts receivable data stored in the accounts receivable details storage, or the receipt details data Accounts receivable identified as accounts receivable data corresponding to the receipt details data by collating at least one of the scheduled collection dates contained in the accounts receivable data stored in the accounts receivable details storage means Specification specifying means;
For the accounts receivable specification data specified by the accounts receivable specification specifying means, by associating the application amount that is at least part of the amount of money included in the payment details data with the amount of receivable included in the accounts receivable data Perform an application process that records that the accounts receivable has been collected, and update the accounts receivable details for the accounts receivable that have been processed to reflect the application process. Including
In the case where the receivable item specification unit specifies two or more items of receivable item data, the receivable item data whose collection date is earlier than the payment date with respect to the priority order in which the receivable receivable application unit performs the application process , A retirement order specifying means for specifying the order of the accounts receivable data whose collection date matches the payment date, and the accounts receivable data whose collection date is after the payment date,
Loan statement data corresponding to the account receivable data by checking the loan statement data stored in the loan statement storage unit with the item number as a key for the account receivable item data stored in the account receivable item storage unit A loan statement identifying means for identifying
With respect to the accounts receivable details data for which the accounts receivable application means has performed the application process, at least a part of the application amount of the accounts receivable by the application process is converted into the accounts receivable data by the loan specification specifying means. Withdrawing processing means for carrying out a withdrawal process for withdrawing from the account ledger of the collection account in order to use the contracted repayment determined in the loan statement data specified to correspond;
The receivable receivable clearing means performs a clearing process on the receivable detailed data in which the clearing order specifying means specifies the priority order as the next order when the deposit amount remains after the clearing process. A deposit processing system that executes deposit processing associated with collection of loans corresponding to accounts receivable. With respect to at least one item of receivable item data specified by the item of accounts receivable specification, the item of loan item specification data corresponding to the item of item details of at least one item of receivable item is specified by the item of item specification specifying unit. If the corresponding loan statement data is not specified by the loan statement specifying means,
The application order specifying means is for the accounts receivable data whose collection date is earlier than the payment date and the accounts receivable data whose collection date is the same as the payment date, among the accounts receivable data for which the loan details data is not specified, Of the accounts receivable data in which the loan details data is specified, the scheduled collection date is higher than the accounts receivable data after the deposit date, and in the accounts receivable details data in which the details of the loans are specified 2. The deposit processing system according to claim 1, wherein the order of priority is specified at a lower level than the accounts receivable data whose date is before the deposit date and the accounts receivable data whose collection date is the same as the deposit date. The receivable receivable clearing means performs a clearing process for the debit amount by the withdrawal processing means on the receivable detail data for which the corresponding loan detail data is identified by the loan detail identifying means, and If accounts receivable remains for the data, update the accounts receivable data as accounts receivable data for which no loan details data is specified for the remaining accounts receivable,
3. The application order specifying unit specifies the priority order of the account receivable data updated by the account receivable application canceling unit as account receivable data for which no loan details data is specified. The described deposit processing system. For at least a part of the application amount associated with the receivable amount in the receivable receivable application means, a transfer processing means for performing a transfer process to the account ledger of the normal account of the borrower,
When the receivable receivable clearing means performs a clearing process on the receivable detailed data for which the corresponding loan detailed data is specified by the loan detailed specifying means, the clearing process for the debit amount by the withdrawal processing means If a residual amount for the amount to be applied later is generated, the receivable receivable application unit executes an application process of the receivable item data having the next highest priority for the remaining amount, and the loan specification specifying unit The transfer processing means performs a transfer process on the amount to be applied used for the application process when the application process is performed on the accounts receivable data for which the corresponding loan specification data is not specified. The deposit processing system according to 2 or 3. A deposit details storage unit for storing receipt details data including information on at least one of the deposit amount and receipt date of the accounts receivable held by the borrower, and the amount of the accounts receivable and the expected collection date An accounts receivable statement storage unit for storing accounts receivable statement data including information relating to at least one, and information relating to a loan executed corresponding to the accounts receivable include an item number associated with the accounts receivable A deposit processing system comprising a loan statement storage unit for storing loan statement data is a deposit processing method for executing a deposit process associated with collection of a loan corresponding to an account receivable,
The deposit processing system is configured to receive deposit details data stored in the receipt details storage unit, a deposit amount included in the receipt details data and a receivable amount included in the accounts receivable details data stored in the accounts receivable details storage unit, Or the receipt date included in the receipt details data and at least one scheduled collection date contained in the receipt details data stored in the receipt details storage unit are collated, and the receipt details corresponding to the receipt details data Receivable item specification step specified as data,
The receipt processing system includes, in the accounts receivable specification data, an application target amount that is at least a part of the amount of payment included in the receipt specification data for the account receivable specification data specified in the account receivable specification specification step. Perform an application process that records that the accounts receivable have been collected by associating with the amount of accounts receivable, and reflect the account details data on the accounts receivable that has been subjected to the application process. The receivables clearing step to be updated,
When the deposit processing system identifies two or more accounts receivable details in the accounts receivable specification step, the scheduled collection date is earlier than the payment date for the priority order in which application processing is performed in the accounts receivable application process. Reconciliation order specifying step for specifying in order of the accounts receivable item data, the accounts receivable item data whose expected collection date coincides with the payment date, and the accounts receivable item data whose recovery date is after the deposit date,
The receipt processing system collates the loan statement data stored in the loan statement storage unit with the item number as a key for the account receivable item data stored in the account receivable item storage unit, and the account receivable item data A loan statement identification step for identifying loan statement data corresponding to
The receipt processing system performs at least a part of the application amount of the accounts receivable by the application process for the accounts receivable data that has been applied in the accounts receivable application process by the loan specification specifying step. A withdrawal process step of performing a withdrawal process from the account ledger of the collection account in order to use the contracted repayment determined in the loan statement data identified as corresponding to the account receivable data,
In the receipt processing system, in the accounts receivable application process, if there is a residual in the payment amount after the application process, the account details data whose priority is specified as the next order in the application order specification step A deposit processing method for executing a deposit process associated with collection of a loan corresponding to an account receivable, characterized in that an application process is performed.