JP2008305270A - Electronic credit management device, electronic credit management method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic credit management device 20 which can perform efficiently a benefit arrangement between involved persons of the electronic credit concerned when changing a redemption date of the electronic credit concerned to a date of payment, when a due date of the payment differs from the redemption date of the electronic credit. <P>SOLUTION: An electronic credit management device 20 registers beforehand a range which the user concerned can change the redemption date in a debtor's electronic credit for every user, and a redemption date changing condition which shows an interest rate which the user concerned should receive when the redemption date is changed. When a payment information which contains a payment source and a payment date from the user is received, it determines whether the redemption date of the electronic credit concerned can be changed to the date of the payment, using the redemption date changing condition of the debtor of the electronic credit concerned in an electronic credit where the payment source concerned is a creditor. If it can be changed, the information for identifying the electronic credit concerned and an amount of interest to be paid to the creditor if the redemption date is changed to the date of payment are presented to the user. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a procedure for assigning an electronic bond in which a designated bond such as a bill is digitized.

  In 2008, the legalization of electronic receivables is expected, and in the future, a social infrastructure that electronically realizes functions equivalent to existing bills and designated receivables will be developed. Existing bills and nominated receivables can be used for payment by transferring the bills and nominated receivables held. For bills in particular, there is a merit of credit enhancement because the transferee who has transferred the bill can exercise recourse to the endorser other than the debtor of the bill. To do. In addition, the presence of such a recourse right has a merit that a transferee who transfers a bill can easily receive the bill.

  Patent Document 1 or 2 automatically presents an electronic claim that will be redeemed on a designated date among multiple creditors of the creditor itself, or allocates it to a designated payment date and payment amount A technique for automatically presenting a combination of electronic bonds that can be used is disclosed.

JP-A-11-96262 JP-A-2005-32278

  By the way, there is a problem that when the bills or designated credits held (explained by way of example of bills) are used for payment, the amount of payment and the due date do not necessarily match the amount of redemption and the date of redemption of the bill. Regarding the difference between the redemption amount and the payment amount, it is possible to match the redemption amount to the payment amount by dividing the amount after maintaining the total amount of the redemption amount. This is because even if the division is performed, the interests of the participants (drawer, endorser, transferor, transferee) do not change.

  However, regarding the difference between the redemption date and the due date, it is necessary to discuss the date change among the participants of the bill. For example, when extending the redemption date of a note in accordance with the due date, the creditor has a merit because payment is postponed, but the credit risk of the bill for the extended period is a past transferor (endorser) and claims Will bear. As described above, when changing the redemption date, it is necessary to discuss between the participants, and there is a case where the merit of quick transaction by digitizing the bill cannot be obtained. This problem is particularly serious when the participants are geographically separated.

  The above-mentioned Patent Document 1 or 2 mainly selects an electronic receivable possessed by the assignor that can be assigned and applied to payment among the assignee and assignee of the electronic receivable. However, there is no disclosure of profit adjustment among participants in electronic receivables when the redemption date and payment date are different.

  The present invention has been made in view of the above circumstances, and the object of the present invention is to change the redemption date of the electronic receivable when the payment date is different from the redemption date of the electronic receivable. The purpose is to efficiently adjust profits among the parties involved in electronic claims.

  In order to solve the above-mentioned problem, the electronic bond management device of the present invention is provided for each user when the user changes the redeemable date range of the debtor's electronic bond and the redemption date. If the payment date including the payment source and payment date is received from the user, and the payment source is the creditor, the debtor of the electronic claim Using the conditions for changing the redemption date, it is determined whether or not the redemption date of the electronic receivable can be changed to the payment date, and if this is possible, the redemption date is set to the due date along with information identifying the electronic receivable. When the change is made, the interest rate to be paid to the obligor is presented to the user who has sent the payment information.

  For example, the first aspect of the present invention is an electronic bond management apparatus that manages an electronic bond, and for each user ID that identifies a user, when the redemption date of the electronic bond for which the user is a debtor is changed. Applicable redemption date change conditions, when the redemption date is changed, the interest rate paid by the user and the information indicating the changeable range of the redemption date is a type indicating whether the redemption date is extended or shortened. Redemption date change condition storage means for storing the associated redemption date change conditions, and information on each electronic claim, the debtor ID indicating the debtor of the electronic claim, the redemption amount of the electronic claim, the electronic An electronic receivable storage means for storing a redemption date of a receivable and a creditor ID indicating a creditor of the electronic receivable in association with a receivable ID for identifying each electronic receivable; Payment information receiving means for receiving payment information including a payment source ID for identifying the user, a payment destination ID for identifying the payment destination user, a payment due date, and a payment amount from the user computer, a payment due date, a claim ID, and the claim Transfer candidate storage means for storing transfer candidates including interest to be paid to the debtor of the electronic claim when the redemption date of the electronic claim corresponding to the ID is changed, and the same creditor as the payment source ID included in the payment information Refers to the electronic bond extraction means for extracting the electronic bond including ID from the electronic bond storage means and whether the redemption date of each electronic bond extracted by the electronic bond extraction means matches the payment due date For electronic receivables whose redemption date matches the due date, the interest rate payable to the obligor of the electronic receivable shall be 0, and the due date and The transfer candidate including the claim ID of the electronic claim is stored in the transfer candidate storage means, and for the electronic claim whose redemption date does not coincide with the payment date, refer to the electronic claim storage means and the redemption date change condition storage means. Change the redemption date change condition associated with the same user ID as the obligor ID included in the bond, and the difference between the redemption date and the payment date of the electronic bond is included in the extracted redemption date change condition If it is within the possible range, a transfer candidate including the due date, the claim ID included in the electronic claim, and the interest received from the debtor of the electronic claim when the redemption date of the electronic claim is changed. Transfer candidate list generating means for storing in transfer candidate storage means; transfer candidate transmitting means for transmitting transfer candidates in transfer candidate storage means to the user computer that is the source of payment information; An electronic bond management device is provided.

  The second aspect of the present invention is an electronic bond management apparatus for managing an electronic bond, and for each user ID that identifies a user, when the redemption date of the electronic bond for which the user is a debtor is changed. Applicable redemption date change conditions, when the redemption date is changed, the interest rate paid by the user and the information indicating the changeable range of the redemption date is a type indicating whether the redemption date is extended or shortened. The due date changing condition storage means for storing the associated redemption date changing condition and the payment due date changing condition applied when changing the payment due date of the payment received by the user for each user ID. The payment due date associated with the type indicating whether the payment due date is extended or shortened, and the interest rate condition received by the user and the payment due date range can be changed. Payment date change condition storage means for storing the renewal conditions, information on each electronic claim, obligor ID indicating the debtor of the electronic claim, redemption amount of the electronic claim, redemption date of the electronic claim, and An electronic bond storage means for storing a creditor ID indicating a creditor of the electronic bond in association with a bond ID for identifying each electronic bond, a payment source ID for identifying a user of the payment source, and a user of the payment destination When the payment information receiving means for receiving payment information including the payee ID to be identified, the payment due date, and the payment amount from the user computer, the payment candidate date, the claim ID, and the redemption date of the electronic claim corresponding to the claim ID are changed. Stores the interest payable to the obligor of the electronic receivable and the transfer candidate including the interest payable to the payee when the payment due date is changed to the payment candidate date Transfer candidate storage means, electronic receivable extraction means for extracting electronic receivables including the same creditor ID as the payment source ID included in the payment information from the electronic receivable storage means, and the same user as the payee ID included in the payment information The payment due date changing condition associated with the ID is extracted from the payment due date changing condition storage means, and a payment candidate date that is a candidate date that can change the payment due date included in the payment information is calculated from the extracted payment due date changing condition. For each payment candidate date calculated by the payment candidate date calculation means and the payment candidate date calculation means, referring to the electronic bond storage means, the redemption date of each electronic bond extracted by the electronic bond extraction means is Judgment is made on whether or not the date matches the candidate date, and for the electronic receivable whose redemption date matches the payment candidate date, the interest payable to the obligor of the electronic receivable is set to 0, and The transfer candidate, including the payment candidate date, the receivable ID of the electronic receivable, and the interest payable to the payee when the payment date is changed to the payment candidate date is stored in the transfer candidate storage means, and the redemption date is the payment date For electronic claims that do not match the candidate date, refer to the electronic claim storage means and the redemption date change condition storage means, and extract the redemption date change condition associated with the same user ID as the debtor ID of the electronic claim And the difference between the redemption date and the payment candidate date is within the changeable range included in the extracted redemption date change condition, and with reference to the redemption date change condition storage means and the payment date change condition storage means, If the redemption date is changed to the payment date, the interest rate paid by the obligor of the electronic receivable is the money received by the payee user when the payment date is changed to the payment date. If the conditions are met, the payment candidate date, the receivable ID of the electronic receivable, the interest to be paid to the payee when the payment date is changed to the payment date, and the redemption date are changed to the payment date Transfer candidate list generating means for storing transfer candidates including interest received from the debtor of the electronic bond in the transfer candidate storage means, and transfer for transferring the transfer candidates in the transfer candidate storage means to the user computer that is the source of payment information An electronic bond management device comprising a candidate transmission unit is provided.

  According to a third aspect of the present invention, there is provided an electronic bond management method for an electronic bond management apparatus for managing an electronic bond, wherein the electronic bond management apparatus includes a payment source ID for identifying a payment source user and a payment destination user. A payment information receiving step for receiving payment information including a payee ID, a payment due date, and a payment amount from the user computer, and an electronic bond including the same creditor ID as the payment source ID included in the payment information. Information on electronic claims, including the obligor ID indicating the debtor of the electronic claim, the redemption amount of the electronic claim, the redemption date of the electronic claim, and the creditor ID indicating the creditor of the electronic claim Refer to the electronic bond storage means for extracting from the electronic bond storage means for storing in association with the bond ID for identifying the electronic bond and the electronic bond storage means, It is determined whether the redemption date of each electronic claim extracted in the step matches the due date, and for the electronic claim whose redemption date matches the due date, the interest rate payable to the obligor of the electronic claim is set to 0. , Storing the transfer candidate including the payment due date and the receivable ID of the electronic bond in the transfer candidate storage means, and for the electronic receivable whose redemption date does not match the payment due date, the electronic bond storage means and a user ID for identifying the user Each time the redemption date change condition applied when changing the redemption date of an electronic claim that the user is a debtor, the interest rate condition and redemption date paid by the user when the redemption date is changed The redemption date change condition that stores the redemption date change condition associated with the type indicating whether the redemption date is extended or shortened as the information indicating the possible range By referring to the means, the redemption date change condition associated with the same user ID as the obligor ID included in the electronic bond is extracted, and the difference between the redemption date and the payment date of the electronic bond is extracted. If it is within the changeable range included in the redemption date change condition, the debtor of the electronic claim when the payment date, the claim ID included in the electronic claim, and the redemption date of the electronic claim are changed A transfer candidate list generation step of storing transfer candidates including the interest received from the transfer candidate storage means in a transfer candidate storage means, and a transfer candidate transmission step of transmitting the transfer candidates in the transfer candidate storage means to the user computer that is the source of payment information. An electronic bond management method characterized by the above is provided.

  According to a fourth aspect of the present invention, there is provided a program for causing a computer to function as an electronic bond management device for managing an electronic bond, wherein the user is a debtor for each user ID for identifying the user. The redemption date change conditions applied when changing the redemption date of an electronic claim, and the information indicating the interest rate conditions paid by the user when the redemption date is changed and the range in which the redemption date can be changed is Redemption date change condition storage means for storing a redemption date change condition associated with a type indicating either extension or shortening, information relating to each electronic claim, and a debtor ID indicating the debtor of the electronic claim, Receivables identifying each electronic claim by redemption amount of the electronic claim, redemption date of the electronic claim, and creditor ID indicating the creditor of the electronic claim Payment that accepts payment information from the user computer including electronic bond storage means for storing in association with D, payment source ID for identifying the payment source user, payment destination ID for identifying the payment destination user, payment due date, and payment amount An information acceptance means, a payment date, a claim ID, and a transfer candidate storage means for storing a transfer candidate including an interest to be paid to a debtor of the electronic claim when the redemption date of the electronic claim corresponding to the claim ID is changed; The electronic bond extraction means for extracting the electronic bond including the same creditor ID as the payment source ID included in the payment information from the electronic bond storage means, each of the electronic bond extraction means extracted with reference to the electronic bond storage means Judgment is made whether the redemption date of the electronic receivable is the same as the due date, and for the electronic receivable whose redemption date is the same as the due date, If the interest rate to be paid is zero, the transfer candidate including the payment date and the receivable ID of the electronic receivable is stored in the transfer candidate storage means, and for electronic receivables whose redemption date does not match the payment due date, the electronic receivable storage means and redemption Refer to the date change condition storage means, extract the redemption date change condition associated with the same user ID as the obligor ID included in the electronic claim, and the difference between the redemption date and the payment date of the electronic claim Is within the changeable range included in the extracted redemption date change condition, the payment date, the claim ID included in the electronic claim, and the redemption date of the electronic claim are changed to the payment date. Transfer candidate list generation means for storing transfer candidates including interest received from debtors of receivables in transfer candidate storage means, and transmission of payment information for transfer candidates in transfer candidate storage means Provided is a program that functions as transfer candidate transmission means for transmission to an original user computer.

  According to the electronic claim management apparatus of the present invention, when the payment date is different from the redemption date of the electronic claim, the profit adjustment between the participants of the electronic claim when the redemption date of the electronic claim is changed to the payment date Can be performed efficiently.

  First, a first embodiment of the present invention will be described.

  FIG. 1 is a system configuration diagram showing an example of a configuration of an electronic bond management system 10 according to an embodiment of the present invention. The electronic bond management system 10 includes a financial institution computer 12, a plurality of user computers 13, and an electronic bond management apparatus 20. The financial institution computer 12, the plurality of user computers 13, and the electronic bond management device 20 are each connected to a communication line 11 such as the Internet, and communicate with each other via the communication line 11.

  Each of the plurality of user computers 13 is used by a debtor, creditor, or transferor (individual or company), a payer, a payer, or the like of an electronic bond. The financial institution computer 12 is provided in a financial institution such as a bank.

  The electronic bond management device 20 generates an electronic bond according to the instruction when the user computer 13 of any user who becomes the debtor of the electronic bond is instructed to issue the electronic bond together with information to be described in the electronic bond Then, the generated electronic bond is transmitted to the user computer 13 of the creditor of the electronic bond. And when consent is obtained from the user computer 13 of the creditor, the electronic bond management device 20 officially issues the generated electronic bond.

  For example, as shown in FIG. 2, the electronic receivable 30 at the time of issue includes a receivable ID 300 for identifying each electronic receivable, a receivable information 301 in which information related to the receivable is described, and a receivable identifying the creditor of the electronic receivable 30 A person ID 302 is described. The bond information 301 includes a debtor ID 303 for identifying the debtor of the electronic bond 30, a redemption date 305 indicating the date when the electronic bond 30 is redeemed, and a redemption amount 304 indicating the amount to be redeemed on the redemption date 305. Is described.

  The electronic bond management device 20 holds the issued electronic bond until the redemption date. For the electronic receivables that have reached the redemption date, the electronic receivable management device 20 instructs the financial institution computer 12 to retrieve the electronic receivables from the account of the obligor corresponding to the obligor ID described in the electronic receivables. The redemption process is executed to transfer the redemption amount described in the electronic credit to the creditor's account corresponding to the creditor ID described in.

  In addition, when the electronic bond management apparatus 20 receives payment information including a payment due date, a payment amount, a payment source ID for identifying a payment source, and a payment destination ID for identifying a payment destination from the user computer 13, Information on the electronic bond that can be used for payment is extracted from the electronic bonds that the user is a creditor, and is provided to the user computer 13 that has transmitted the payment information.

  And when the information which shows the electronic receivable used for payment is received from the user computer 13, the electronic receivable management apparatus 20 performs the change of changing the creditor of the said electronic receivable from a payment origin to a payee, etc. to the said electronic receivable Thus, the fact that the payment is transferred from the payment source user to the payment destination user is described in the electronic bond. Then, the electronic bond management device 20 transmits information on the changed electronic bond to the user computer 13 that is the payee, and when the consent is obtained from the user computer 13, the electronic bond is formally changed.

  As shown in FIG. 3, for example, as shown in FIG. 3, the electronic receivable 30 when the redemption date is transferred without changing the receivable date includes a receivable ID 300, a receivable information 301, a transfer information 310 in which information related to the transfer is described, and a creditor ID 302. be written. The transfer information 310 includes a transferor 311 indicating a person who has transferred the electronic bond 30 and a past creditor of the electronic bond 30, a transfer date 312 indicating a date when the electronic bond 30 is transferred, Indicates whether the redemption date is allowed to be changed when transferring 30 to another user, and indicates whether the redemption date can be changed 313 at the time of reassignment, and the percentage of interest that the transferor 311 takes when the redemption date is changed. The interest provision rate 314 at the time of redemption date change is described.

  The redemption date change permission / inhibition 313 at the time of reassignment is set for each of the extension and shortening cases. The interest provision rate 314 at the time of redemption date change is the ratio of interest received by the obligor A when the redemption date 305 is extended, the proportion received by the transferor 311, and the debtor when the redemption date 305 is shortened This is information indicating the proportion of the interest paid to A that is borne by the transferor 311.

  Moreover, when the information regarding the change of the redemption date of the electronic bond is received from the user computer 13 together with the information indicating the electronic bond to be used for payment, the electronic bond management device 20 relates to the change of the redemption date in addition to the information regarding the transfer. Enter the information in the electronic claim. In the electronic bond 30 when the redemption date is changed and transferred, for example, as shown in FIG. 4, due date information 320 indicating information on the redemption date change is described in the transfer information 310.

  In the date change information 320, new debt information includes a new redemption date 322 indicating a redemption date after the change, a new redemption amount 321 indicating an amount to be redeemed on the new redemption date 322, and a redemption date as transferee payment information. A payee 323 indicating a person who receives or pays the interest generated due to the change and a payout amount 324 indicating an amount received or paid by the payee 323 are respectively described.

  In the payment amount 324, “+” indicates that the payee 323 receives, and “−” indicates that payment is made. Furthermore, when the electronic bond 30 shown in FIG. 4 is transferred with the redemption date changed, transfer information 330 having due date change information 340 is added to the electronic bond 30 as shown in FIG. 5, for example.

  FIG. 6 is a block diagram illustrating an example of a detailed functional configuration of the electronic bond management apparatus 20 according to the first embodiment. The electronic bond management device 20 includes a credit information storage unit 200, an obligor redemption amount calculation unit 201, a payment information reception unit 202, an allowable credit amount calculation unit 203, an electronic bond extraction unit 204, a transfer candidate list generation unit 205, a recommendation order. Calculation unit 206, allowable risk amount calculation unit 207, electronic bond storage unit 208, redemption date change condition storage unit 209, transfer candidate storage unit 210, transfer candidate transmission unit 211, risk target amount storage unit 212, data registration unit 213, electronic A credit change unit 214, an electronic bond issue processing unit 215, and a redemption processing unit 216 are provided.

  When the electronic bond issue processing unit 215 receives a bond issue instruction including information to be described in the electronic bond from the user computer 13 of the electronic bond debtor, the electronic bond issue processing unit 215 generates the electronic bond shown in FIG. 2 according to the instruction. Then, the generated electronic bond is transmitted to the user computer 13 of the creditor of the electronic bond. Then, when the approval is obtained from the user computer 13 of the creditor of the electronic bond, the electronic bond issue processing unit 215 stores the generated electronic bond in the electronic bond storage unit 208.

  For example, as shown in FIG. 7, debt information 20801, transfer information 20802, and creditor ID 20803 are stored in the electronic bond storage unit 208 for each bond ID 20800. The debtor information 20801 stores a debtor ID 20810, a redemption amount 20811, and a redemption date 20812. The transfer information 20802 stores a transferor 20813, a transfer date 20814, whether or not the redemption date can be changed 20815 at the time of retransfer, an interest provision rate 20816 when the redemption date is changed, and date change information 20817.

  The due date change information 20817 stores new debt information 20818 and transferee payment information 20819. The new debt information 20818 stores a new redemption date 20820 and a new redemption amount 20821. In the transferee payment information 20819, a payee 20822 and a payment amount 20823 are stored. For the electronic bond 30 at the time of issuance as shown in FIG. 2, the information in the transfer information 20802 is blank. Further, as shown in FIG. 3, for the electronic bond 30 when transferred without changing the due date, the information in the due date changing information 20817 is blank.

  When the data registration unit 213 receives a data registration request including a redemption date change condition from each user computer 13, the data registration unit 213 registers the redemption date change condition included in the data registration request in the redemption date change condition storage unit 209. . Further, when the data registration unit 213 receives a data registration request including credit information, the data registration unit 213 registers the credit information included in the data registration request in the credit information storage unit 200. When the data registration unit 213 receives a data registration request including a risk target, the data registration unit 213 registers the risk target included in the data registration request in the risk target amount storage unit 212.

  For example, as shown in FIG. 8, the redemption date changing condition storage unit 209 stores a redemption date changing condition 2090 for each setter ID 2091 that identifies the user who has set the redemption date changing condition 2090. Each redemption date change condition 2090 includes a redemption period 2093 indicating a period in which the redemption date is included for each amount range 2092 indicating the range of the redemption amount, and a lower limit value of the interest rate that the setter should receive when the redemption date is changed. Alternatively, an interest rate condition 2094 indicating the upper limit of the interest rate to be paid, a type 2095 indicating whether the change of the redemption date is extended or shortened, and a changeable range 2096 indicating a range in which the redemption date can be changed are stored.

  Note that the money amount range 2092 may be unspecified. In this case, it means that the corresponding interest rate condition and changeable range correspond to any redemption amount. Also, the redemption period 2093 can be unspecified. In this case, it means that the corresponding interest rate condition and changeable range correspond to any redemption date.

  The contents indicated by the redemption date changing condition stored in the redemption date changing condition storage unit 209 are illustrated in FIG. 9, for example. The portion where there is no applicable data in the combination of the amount range and the redemption period (the portion other than the hatched line in FIG. 9) indicates that the setter does not allow the redemption date to be extended or shortened. The redemption date changing condition in the redemption date changing condition storage unit 209 is set and updated as necessary by the user via the data registration unit 213.

  In the credit information storage unit 200, for example, as shown in FIG. 10, the credit information 2000 includes a setter ID 2001 that identifies a user who has set the credit information 2000 and a user corresponding to the setter ID 2001 is a credit target. Stored for each combination of subject ID 2002 for identifying a user.

  Each credit information 2000 includes a period 2004 including a redemption date or a payment due date for each amount range 2003 indicating a range of redemption amounts, an upper limit amount 2005 indicating an upper limit value of the credit amount allowed by the setter, An interest rate condition 2006 indicating a lower limit of an interest rate that should be received by the setter when the redemption date or payment date is extended, and an allowable extension range 2007 indicating a range in which extension of the redemption date or payment date is permitted are stored.

  Note that the entire range can be set as the amount range 2003. In this case, it means that it corresponds to any redemption amount. Further, the entire period can be set as the period 2004. In this case, it means that any redemption date or payment date is applicable.

  The content indicated by the credit information stored in the credit information storage unit 200 is illustrated in FIG. 11, for example. The portion where there is no corresponding data in the combination of the amount range and the period (the portion other than the hatched line in FIG. 11) indicates that the setter does not permit extension of the redemption date or payment date. The credit information in the credit information storage unit 200 is set and updated as necessary by the user via the data registration unit 213.

  For example, as illustrated in FIG. 12, the risk target amount storage unit 212 stores a risk target 2120 for each setter ID 2121 that identifies a user who has set the risk target 2120. Each risk target 2120 stores a period 2122 including a redemption date, and a target amount 2123 of credit risk allowed by the setter during the period 2122.

  The contents indicated by the risk target stored in the risk target amount storage unit 212 are illustrated in FIG. 13, for example. The target amount in the risk target amount storage unit 212 is set and updated as necessary by the user via the data registration unit 213. Note that the period 2122 can be left unspecified. In this case, it means that the corresponding target amount corresponds to any redemption date.

  When the payment information reception unit 202 receives payment information including the payment due date, the payment amount, the payment source ID, and the payment destination ID from the user computer 13, the payment information reception unit 202 converts the received payment information into a debtor-specific redemption amount calculation unit 201, This is sent to the electronic bond extraction unit 204, the transfer candidate list generation unit 205, the recommended rank calculation unit 206, and the allowable risk amount calculation unit 207. The electronic bond extraction unit 204 extracts the same creditor ID as the payment source ID included in the payment information from the electronic bond storage unit 208 and supplies it to the transfer candidate list generation unit 205.

  The debtor-based redemption amount calculation unit 201 extracts, from the electronic bond storage unit 208, an electronic bond in which the user corresponding to the payment source ID included in the payment information received from the payment information reception unit 202 is a creditor. The extracted electronic receivables are grouped by debtor. In addition, the debtor-by-debt repayment amount calculation unit 201 has the same creditor and setter for the electronic credit belonging to the group, and the debtor and the target of the electronic credit are the same. The credit information is extracted from the credit information storage unit 200, and for each period stored in the credit information, the total redemption amount of the electronic bond including the redemption date included in the period is calculated.

  The allowable credit amount calculation unit 203 extracts the upper limit value of the credit amount with reference to the credit information storage unit 200 for each combination of the setter, the target person, and the period, and extracts the upper limit value of the credit amount and the debtor The difference from the total redemption amount calculated by the separate redemption amount calculation unit 201 is calculated as the allowable credit amount.

  For example, as shown in FIG. 14, in the credit information of a certain setter and target person, the upper limit of the credit amount from January 1, 2007 to February 28, 2007 is 50 million yen. The maximum credit amount from 1st to 30th April 2007 is 40 million yen, and the total amount of electronic receivables that will be redeemed between 1st January 2007 and 28th February 2007 is 3000 If the total amount of electronic receivables whose maturity date is between March 1, 2007 and April 30, 2007 is 35 million yen, the allowable credit amount calculation unit 203 From 1st to 28th February 2007, the allowable credit amount is 20 million yen, and from 1st March 2007 to 30th April 2007, the allowable credit amount is 5 million yen.

  The transfer candidate list generation unit 205 receives the payment information from the payment information reception unit 202, and for each receivable ID extracted by the electronic receivable extraction unit 204, the redemption date of the electronic receivable corresponding to the receivable ID is the payment It is determined whether or not the due date included in the information matches. If the redemption date of the electronic claim matches the payment date, the transfer candidate list generation unit 205 determines that the electronic claim can be used for payment without changing the redemption date, and uses the credit ID of the electronic claim as the payment ID. As a transfer candidate that is a candidate for an electronic bond that can be transferred to a payee instead of being paid in money, it is stored in the transfer candidate storage unit 210 in association with a candidate ID for identifying each transfer candidate.

  On the other hand, if the redemption date and payment date of the electronic bond do not match, the transfer candidate list generation unit 205 refers to the redemption date change condition storage unit 209 and corresponds to the same setter ID as the obligor ID of the electronic bond. Extract the redemption date change condition. Then, the transfer candidate list generation unit 205 refers to the extracted redemption date change condition, identifies the changeable range corresponding to the combination of the amount range including the redemption amount of the electronic bond and the redemption period including the redemption date, It is determined whether or not the difference between the redemption date and the payment date of the electronic receivable falls within the specified changeable range.

  When the difference between the redemption date and the payment due date of the electronic bond is within the specified changeable range, the transfer candidate list generation unit 205 refers to the electronic bond storage unit 208 and is permitted to change the redemption date. It is determined whether or not. For example, as illustrated in FIG. 3, FIG. 4, or FIG. 5, the transfer candidate list generation unit 205 is permitted to change the redemption date with reference to the redemption date change availability 313 at the time of retransfer in the transfer information 310. It is determined whether or not.

  If the redemption date is allowed to be shortened in the electronic claim and the redemption date needs to be shortened in order to match the redemption date to the payment date, the transfer candidate list generation unit 205 receives the claim ID of the electronic claim. Is stored in the transfer candidate storage unit 210 in association with the candidate ID.

  On the other hand, when extension of the redemption date is permitted in the electronic receivable and it is necessary to extend the redemption date in order to match the redemption date, the transfer candidate list generation unit 205 The period including the redemption date after the change is specified with reference to credit information in which the creditor and the setter are the same, and the debtor and the target person are the same. Then, the transfer candidate list generation unit 205 calculates the allowable credit amount for the combination of the setter same as the creditor of the electronic claim, the same target as the debtor, and the specified period. It is determined whether or not the allowable credit amount calculated by the unit 203 is equal to or less.

  If the redemption amount of the electronic bond is equal to or less than the corresponding allowable credit amount calculated by the allowable credit amount calculation unit 203, the transfer candidate list generation unit 205 includes the credit information storage unit 200 and the redemption date change condition storage unit 209. , The amount of extension of the redemption date is less than or equal to the amount allowed for the debtor of the electronic claim, and the interest rate condition received from the debtor of the electronic claim by extending the redemption date is Then, it is determined whether or not the interest rate condition set as a consideration for the credit risk given to the obligor when the electronic receivable issued by the obligor is extended is satisfied.

  For example, credit information as shown in FIG. 11 is set, and the total amount of redemption of electronic receivables that will be redeemed between January 1, 2007 and February 28, 2007 is 10 million yen, If the extension amount for adjusting the redemption date to one month is one month and the redemption date after the change is included between January 1, 2007 and February 28, 2007, the transfer candidate list generation unit 205 Determines that the change amount of the redemption date is less than or equal to the extension amount allowed for the debtor of the electronic bond.

  For example, as shown in FIG. 15, if there are 10 million yen of electronic receivables that will be redeemed during the period from January 1, 2007 to February 28, 2007, the transfer candidate list generation unit 205 If you receive an interest rate of 1.5% or more up to 10 million yen and 2.0% or more interest rates from 10 million yen to 40 million yen, you can extend the redemption date to receive interest from the obligor However, it is determined that the interest rate condition set as consideration for the credit risk given to the obligor when extending the electronic receivable issued by the obligor is satisfied.

  The amount of change in the redemption date is less than or equal to the extension allowed for the debtor of the electronic claim, and the interest rate condition received from the debtor of the electronic claim by extending the redemption date is When extending the issued electronic receivable, if the interest rate condition to be received as consideration for the credit to the obligor is satisfied, the transfer candidate list generation unit 205 associates the receivable ID of the electronic receivable with the candidate ID and stores the transfer candidate Stored in the unit 210.

  If the electronic receivables used for payment have already been transferred one or more times, the transfer candidate list generation unit 205 determines that the redemption date of the electronic receivables has been changed by the current creditor to each past creditor. All credit information set for creditors, credit information set by past creditors for debtors, and credit information set by past creditors for creditors prior to that creditor When it is satisfied, the credit ID of the electronic bond is stored in the transfer candidate storage unit 210 in association with the candidate ID.

  After determining whether or not the corresponding electronic receivable can be used for payment for all receivable IDs extracted by the electronic receivable extraction unit 204, the transfer candidate list generation unit 205 calculates the allowable risk amount The calculation unit 207 is instructed.

  For example, as shown in FIG. 16, the transfer candidate storage unit 210 includes, for each candidate ID 2101 for identifying each transfer candidate, a receivable ID 2102 of an electronic receivable that can be used for payment, a payment due date 2103 of the payment, The redemption amount 2104 before changing the redemption date of the electronic receivable corresponding to the ID 2102, the debtor and the past creditor 2105 of the electronic receivable corresponding to the receivable ID 2102, the change amount 2106 of the redemption date, the change amount 2106 of the redemption date A type 2107 indicating whether it is extended or shortened, a received interest rate 2108 indicating an interest received when the redemption date is changed, a redemption amount 2109 after the redemption date is changed, and a recommendation rank 2100 calculated by a method described later. Stored.

  If the redemption date and the payment due date match, 0 is stored in the change amount 2106 of the redemption date, and the type 2107 and the received interest rate 2108 are blank. If a negative interest rate is stored in the received interest rate 2108, it means that the interest rate is paid. In the redemption amount 2109, an amount obtained by adding the received interest rate 2108 to the redemption amount 2104 is stored.

  When the allowable risk amount calculation unit 207 is instructed to calculate the recommendation order from the transfer candidate list generation unit 205, the risk amount associated with the same setter ID as the payment source ID included in the payment information is set as a risk. Extracted from the target amount storage unit 212. Then, for each period included in the extracted risk target, the permissible risk amount calculation unit 207 redeems the electronic receivable that has the same creditor ID as the setter ID and whose redemption date reaches the redemption date. Sum the amounts. Then, the permissible risk amount calculation unit 207 calculates the difference between the total amount and the target amount as the permissible risk amount for each period included in the extracted risk target, and calculates the calculated permissible risk amount as the recommended rank. Send to part 206.

  For example, as shown in Figure 17, the period included in the extracted risk target is from January 1, 2007 to February 28, 2007, and there are two electronic receivables that are due for redemption in that period. Are 5 million yen and 10 million yen, and the target amount for the period is 25 million yen, the allowable risk amount calculation unit 207 calculates 10 million yen as the allowable risk amount for the period.

  The recommendation rank calculation unit 206 uses the allowable risk amount calculated for each period by the allowable risk amount calculation unit 207 for each transfer candidate stored in the transfer candidate storage unit 210 and includes a redemption date after the change. The permissible risk amount corresponding to is identified, and the difference between the identified permissible risk amount and the redemption amount after the redemption date is changed is calculated. Then, the recommendation rank calculation unit 206 assigns the recommendation ranks to the transfer candidates in the transfer candidate storage unit 210 in the order of small difference between the allowable risk amount and the redemption amount after the redemption date change. When the recommendation rank assignment is completed, the recommendation rank calculation unit 206 notifies the transfer candidate transmission unit 211 of the fact together with information indicating the user computer 13 that is the transmission source of the payment information.

  For transfer candidates where the difference between the permissible risk amount and the redemption amount after the redemption date change is the same, the recommended rank calculation unit 206 determines the redemption date to the smaller redemption amount when the redemption date is extended. May be assigned a higher recommendation order to the larger redemption amount. If there is still a transfer candidate having the same recommended rank, the recommended rank calculating unit 206 may assign a higher recommended rank to the higher allowable credit amount calculated by the allowable credit amount calculating unit 203. Good.

  When the transfer candidate transmission unit 211 is notified from the recommendation rank calculation unit 206 that the assignment of the recommendation rank has been completed, the transfer candidate transmission section 211 displays the transfer candidates in the transfer candidate storage section 210 together with the recommendation rank and the user who has transmitted the payment information. It transmits to the computer 13.

  The electronic receivable changing unit 214 received a request for receivable change including a candidate ID for identifying a transfer candidate, whether or not the redemption date can be changed at the time of retransfer, the interest provision rate at the time of changing the redemption date, and the creditor ID of a new creditor. In the case, the transfer candidate storage unit 210 is referred to based on the candidate ID included in the claim change request, the changed redemption date (payment date in the transfer candidate storage unit 210) and the redemption amount after the change are acquired, The corresponding electronic bond is acquired from the electronic bond storage unit 208 based on the bond ID associated with the candidate ID.

  Then, based on the received claim change request, the electronic claim change unit 214 generates and generates an electronic claim with the redemption date, redemption amount, creditor ID, etc. changed in the format described in FIG. 4 or FIG. 5, for example. The received electronic bond is transmitted to the user computer 13 of the user corresponding to the creditor ID. Then, when the approval is obtained from the user computer 13, the electronic bond having the same bond ID as the generated electronic bond is deleted from the electronic bond storage unit 208 and the generated electronic bond is stored in the electronic bond storage unit 208. .

  The redemption processing unit 216 monitors the redemption date of each electronic bond in the electronic bond storage unit 208, and if there is an electronic bond that has reached the redemption date, the redemption processing unit 216 instructs the financial institution computer 12 to describe the redemption date. The redemption process is executed to transfer the redemption amount described in the electronic credit from the debtor account corresponding to the creditor ID to the creditor account corresponding to the creditor ID described in the electronic credit.

  FIG. 18 is a flowchart showing an example of the operation of the electronic bond management apparatus 20. For example, at a predetermined timing such as when the power is turned on, the electronic bond management apparatus 20 starts the operation shown in this flowchart.

  First, the electronic bond issue processing unit 215 determines whether or not a bond issue instruction including a debtor ID, a redemption amount, a redemption date, and a creditor ID has been received from any of the user computers 13 (S100). When the bond issue instruction is received (S100: Yes), the electronic bond issue processing unit 215 generates the electronic bond described with reference to FIG. 2 using the information included in the received bond issue instruction.

  Then, the electronic bond issue processing unit 215 transmits the generated electronic bond to the user computer 13 of the user corresponding to the creditor ID of the electronic bond, and confirms the acceptance of the generated electronic bond with the user of the user computer 13 (S101). When the consent for the electronic bond generated from the user computer 13 is obtained, the electronic bond issue processing unit 215 stores the generated electronic bond in the electronic bond storage unit 208 (S102), and performs the process shown in step S100 again. Execute.

  If the user corresponding to the creditor ID of the generated electronic bond is not approved, the electronic bond issuance processing unit 215 displays an error indicating that the electronic credit is not accepted as a user computer that has transmitted the bond issue instruction. 13 to send.

  If a bond issue instruction has not been received (S100: No), the data registration unit 213 has received a data registration request including a redemption date change condition, credit information, or risk target from any of the user computers 13 Is determined (S103). When the data registration request is received (S103: Yes), the data registration unit 213 registers the redemption date change condition in the redemption date change condition storage unit 209 if the data registration request includes the redemption date change condition. If the credit information is included in the data registration request, the credit information is registered in the credit information storage unit 200. If the risk target is included in the data registration request, the risk target is set to the risk target amount. Registration in the storage unit 212 (S104), the electronic bond issue processing unit 215 executes the processing shown in step S100 again.

  When the data registration request has not been received (S103: No), the payment information receiving unit 202 determines whether payment information has been received (S105). When payment information is received (S105: Yes), the payment information reception unit 202 converts the received payment information into a debtor-specific redemption amount calculation unit 201, an electronic bond extraction unit 204, a transfer candidate list generation unit 205, and a recommended rank calculation unit. 206 and the allowable risk amount calculation unit 207.

  Next, the debtor-specific redemption amount calculation unit 201, the allowable credit amount calculation unit 203, the electronic bond extraction unit 204, and the transfer candidate list generation unit 205 execute transfer candidate list generation processing described later to generate transfer candidates. (S200). Then, the recommendation rank calculation unit 206 and the allowable risk amount calculation unit 207 assign a recommendation rank to the transfer candidates by a recommendation rank calculation process described later (S300). Then, the transfer candidate transmission unit 211 transmits the transfer candidates in the transfer candidate storage unit 210 together with the recommended order to the user computer 13 that is the payment information transmission source (S106), and the electronic bond issue processing unit 215 again performs step S100. Execute the process shown in.

  When the payment information has not been received (S105: No), the electronic receivable changing unit 214 identifies the candidate ID for identifying the transfer candidate, whether the redemption date can be changed at the time of retransfer, the interest provision rate at the time of changing the redemption date, and a new It is determined whether a claim change request including the creditor ID of the creditor has been received (S107). When the claim change request is received (S107: Yes), the electronic claim change unit 214 refers to the assignment candidate storage unit 210 based on the candidate ID included in the claim change request, and after the change redemption date (assignment candidate storage) Payment date in the section 210) and the redemption amount after the change are acquired, and the corresponding electronic bond is acquired from the electronic bond storage section 208 based on the bond ID associated with the candidate ID.

  Then, based on the received receivable change request, the electronic receivable changing unit 214 generates an electronic receivable in which the redemption date, redemption amount, creditor ID, etc. are changed in the format described with reference to FIG. 4 or FIG. ) The generated electronic bond is transmitted to the user computer 13 of the user corresponding to the creditor ID included in the electronic bond, thereby confirming the consent from the user (S109).

  When the approval is obtained from the user computer 13, the electronic bond changing unit 214 deletes the electronic bond having the same bond ID as the generated electronic bond from the electronic bond storage unit 208, and the generated electronic bond is stored in the electronic bond storage unit. 208 (S106), the electronic bond issue processing unit 215 executes the process shown in step S100 again. If the user corresponding to the generated creditor ID of the electronic bond is not approved, the electronic bond change unit 214 gives an error indicating that the change has not been made to the user computer 13 that has transmitted the bond change request. Send to.

  When the claim change request has not been received (S107: No), the redemption processing unit 216 refers to the redemption date of each electronic bond in the electronic bond storage unit 208, and there is an electronic bond that has reached the redemption date. It is determined whether or not (S111). When there is an electronic bond that has reached the redemption date (S111: Yes), the redemption processing unit 216 instructs the financial institution computer 12 to execute the redemption process based on the contents described in the electronic bond (S112). ) The electronic bond issue processing unit 215 executes the process shown in step S100 again.

  FIG. 19 is a flowchart illustrating an example of a transfer candidate list generation process (S200) in the first embodiment.

  First, the electronic bond extraction unit 204 extracts the creditor ID identical to the payment source ID included in the payment information from the electronic bond storage unit 208 and supplies it to the transfer candidate list generation unit 205 (S201). Then, the transfer candidate list generation unit 205 selects one unselected receivable ID from the receivable IDs extracted by the electronic receivable extracting unit 204 (S202), and redemption of the electronic receivable corresponding to the selected receivable ID. It is determined whether or not the due date and the payment due date included in the payment information match (S203). If the redemption date and the payment due date do not match (S203: No), the transfer candidate list generation unit 205 executes a redemption date changing process described later (S400), and executes the process shown in step S205.

  If the redemption date and the payment due date match (S203: Yes), the transfer candidate list generation unit 205 associates the candidate ID with the payment due date included in the payment information, the claim ID selected in step S202, and The redemption amount of the electronic bond corresponding to the bond ID, and information indicating the debtor and past creditors of the electronic bond are stored in the transfer candidate storage unit 210.

  Next, the transfer candidate list generation unit 205 determines whether or not all bond IDs extracted in step S201 have been selected (S205). When there is an unselected bond ID (S205: No), the transfer candidate list generation unit 205 executes the process shown in step S202 again. When all the bond IDs are selected (S205: Yes), the transfer candidate list generation unit 205 instructs the allowable risk amount calculation unit 207 to calculate the recommended rank, and ends the transfer list generation process shown in this flowchart.

  FIG. 20 is a flowchart illustrating an example of redemption date change processing (S400).

  First, the transfer candidate list generation unit 205 refers to the redemption date change condition storage unit 209, and the redemption date corresponding to the same setter ID as the obligor ID included in the electronic bond corresponding to the loan ID selected in step S202. The change condition is extracted, and the changeable range corresponding to the combination of the amount range including the redemption amount and the redemption period including the redemption date is specified with reference to the extracted redemption date change condition.

  Then, the transfer candidate list generation unit 205 determines whether the difference between the redemption date and the payment due date of the electronic receivable is within the specified changeable range, thereby determining the redemption date of the electronic receivable. It is determined whether or not it can be changed (S401). When the difference between the redemption date and the payment due date of the electronic bond is not included in the specified changeable range (S401: No), the transfer candidate list generation unit 205 ends the redemption date changing process shown in this flowchart.

  When the difference between the redemption date and the payment due date of the electronic bond is included in the specified changeable range (S401: Yes), the transfer candidate list generation unit 205 refers to the electronic bond storage unit 208, It is determined whether or not permission to change the redemption date is described (S402). When it is described that the change of the redemption date is not permitted (S402: No), the transfer candidate list generation unit 205 ends the redemption date changing process shown in the flowchart.

  When it is described that the change of the redemption date is permitted (S402: Yes), the transfer candidate list generation unit 205 determines whether the redemption date needs to be extended in order to match the redemption date to the payment date. Determination is made (S403). If the redemption date needs to be shortened in order to match the redemption date to the payment date (S403: No), the transfer candidate list generation unit 205 associates the candidate ID with the payment date included in the payment information, Receiving ID selected in step S202, redemption amount of electronic receivable corresponding to the receivable ID before redemption date change, information indicating the debtor of the electronic receivable and past creditors, redemption date change amount, redemption date change The type, the interest rate received, and the redemption amount after the redemption date change is stored in the transfer candidate storage unit 210 (S406), and the redemption date change processing shown in this flowchart is terminated.

  If it is necessary to extend the redemption date in order to match the redemption date (S403: Yes), the transfer candidate list generation unit 205 is that the creditor of the electronic bond is the setter and the debtor is the target. The credit information is extracted from the credit information storage unit 200, and the extracted credit information is referred to specify a period including the changed redemption date.

  Then, the transfer candidate list generation unit 205 calculates the allowable credit amount for the combination of the setter same as the creditor of the electronic claim, the same target as the debtor, and the specified period. It is determined whether or not the credit amount is equal to or less than the allowable credit amount calculated by the unit 203 (S404). When the redemption amount is larger than the allowable credit amount (S404: No), the transfer candidate list generation unit 205 ends the redemption date change process shown in this flowchart.

  When the redemption amount is equal to or less than the allowable credit amount (S404: Yes), the transfer candidate list generation unit 205 refers to the credit information storage unit 200 and the redemption date change condition storage unit 209, and the extension amount of the redemption date is the electronic If the interest rate condition received from the obligor of the electronic receivable by extending the redemption date is less than or equal to the allowable extension for the obligor of the receivable, and the electronic receivable issued by the obligor is extended It is determined whether or not the interest rate condition to be received as consideration for the credit to the debtor is satisfied (S405).

  When the extension amount of the redemption date and the interest rate condition do not satisfy the credit information (S405: No), the transfer candidate list generation unit 205 ends the redemption date changing process shown in this flowchart. When the extension amount of the redemption date and the interest rate condition satisfy the credit information (S405: Yes), the transfer candidate list generation unit 205 executes the process shown in step S406.

  FIG. 21 is a flowchart illustrating an example of the recommended rank calculation process (S300).

  First, the allowable risk amount calculation unit 207 extracts a risk target associated with the same setter ID as the payment source ID included in the payment information from the risk target amount storage unit 212 (S301). Then, for each period included in the extracted risk target, the permissible risk amount calculation unit 207, for the electronic receivable having the same creditor ID as the setter ID, of the electronic receivable that reaches the redemption date during the period The redemption amounts are summed (S302), and the difference between the total redemption amount and the target amount is calculated as an allowable risk amount (S303).

  Next, the recommendation rank calculation unit 206 selects one unselected candidate ID from the transfer candidate storage unit 210 (S304), and the redemption date (the redemption date is changed) associated with the selected candidate ID. If so, an allowable risk amount corresponding to a period including the changed redemption date is specified (S305). Then, the recommended rank calculation unit 206 calculates the difference between the redemption amount associated with the selected candidate ID and the specified allowable risk amount (S306).

  Next, the recommendation rank calculation unit 206 determines whether or not all candidate IDs in the transfer candidate storage unit 210 have been selected (S307). When there is an unselected candidate ID in the transfer candidate storage unit 210 (S307: No), the recommended rank calculation unit 206 executes the process shown in step S304.

  When all candidate IDs in the transfer candidate storage unit 210 have been selected (S307: Yes), the recommendation rank calculation unit 206 determines the transfer candidates in the transfer candidate storage unit 210 in ascending order of difference between the redemption amount and the allowable risk amount. The recommended rank is assigned to the electronic bond management apparatus 20 (S308), and the electronic bond management apparatus 20 ends the recommended rank calculation process shown in this flowchart.

  The first embodiment of the present invention has been described above.

  As is clear from the above description, according to the electronic bond management device 20 of the present embodiment, when the payment date and the redemption date of the electronic bond are different, the redemption date of the electronic bond is changed to the payment date. It is possible to efficiently adjust profits among the participants of the electronic bond.

  Next, a second embodiment of the present invention will be described.

  FIG. 22 is a block diagram illustrating an example of a detailed functional configuration of the electronic bond management apparatus 20 according to the second embodiment. The electronic bond management device 20 includes a credit information storage unit 200, an obligor redemption amount calculation unit 201, a payment information reception unit 202, an allowable credit amount calculation unit 203, an electronic bond extraction unit 204, a transfer candidate list generation unit 205, a recommendation order. Calculation unit 206, allowable risk amount calculation unit 207, electronic bond storage unit 208, redemption date change condition storage unit 209, transfer candidate storage unit 210, transfer candidate transmission unit 211, risk target amount storage unit 212, data registration unit 213, electronic A credit change unit 214, an electronic bond issue processing unit 215, a redemption processing unit 216, a payment date change condition storage unit 220, and a payment candidate date calculation unit 221 are provided.

  The electronic bond management apparatus 20 in the present embodiment is greatly different from the electronic bond management apparatus 20 in the first embodiment in that the payment date change condition storage unit 220 and the payment candidate date calculation unit 221 are provided. Further, except for the points described below, in FIG. 22, the configuration denoted by the same reference numeral as in FIG. 6 has the same or similar function as the configuration in FIG.

  When the data registration unit 213 receives a data registration request including a payment date change condition from each user computer 13, the data registration unit 213 registers the payment date change condition included in the data registration request in the payment date change condition storage unit 220. .

  In the payment date change condition storage unit 220, for example, as shown in FIG. 23, a payment date change condition 2200 is stored for each setter ID 2201 for identifying a user who has set the payment date change condition 2200. Each payment date change condition 2200 includes, for each amount range 2202 indicating the range of payment amount, a payment period 2203 indicating a period including the payment date, and a lower limit value of the interest rate that the setter should receive when the payment date is changed Alternatively, an interest rate condition 2204 indicating the upper limit of the interest rate to be paid, a type 2205 indicating whether the change of the payment date is extended or shortened, and a changeable range 2206 indicating a range in which the payment date can be changed are stored.

  Note that the amount range 2202 may be unspecified. In that case, it means that the corresponding interest rate condition and changeable range correspond to any payment amount. Also, the redemption period 2093 can be unspecified. In that case, it means that the corresponding interest rate condition and changeable range correspond to any payment date.

  For example, FIG. 24 shows the contents indicated by the payment date change condition stored in the payment date change condition storage unit 220. The portion where there is no corresponding data in the combination of the amount range and the redemption period (the portion other than the hatched line in FIG. 24) indicates that the setter does not allow the payment date to be extended or shortened. The payment date change condition in the payment date change condition storage unit 220 is set and updated as necessary by the user via the data registration unit 213.

  When the payment information reception unit 202 receives payment information including a payment due date, a payment amount, a payment source ID, a payment destination ID, and a payment candidate date calculation step from the user computer 13, the payment information reception unit 202 displays the received payment information as a debtor. This is sent to the separate redemption amount calculation unit 201, the electronic bond extraction unit 204, the transfer candidate list generation unit 205, the recommendation rank calculation unit 206, the allowable risk amount calculation unit 207, and the payment candidate date calculation unit 221.

  When the payment candidate date calculation unit 221 receives the payment information from the payment information reception unit 202, the payment candidate date calculation unit 221 pays the payment date change condition associated with the same setter ID as the payment destination ID included in the received payment information. Extracted from the due date change condition storage unit 220. Then, the payment candidate date calculation unit 221 identifies the amount range including the payment amount with reference to the extracted payment date change condition, and the payment period including the payment date is associated with the specified amount range. It is determined whether or not.

  When the payment period including the due date is associated with the amount range including the payment amount, the payment candidate date calculation unit 221 refers to the payment candidate date calculation step included in the payment information, A payment candidate date that satisfies the calculation step is calculated within the changeable range associated with the amount range. Further, the payment candidate date calculation unit 221 extracts, from the payment date change condition storage unit 220, the interest rate condition to be paid to the payee when the payment due date is changed to the payment candidate date. Then, the payment candidate date calculation unit 221 sends the calculated payment candidate date and the extracted interest rate condition to the transfer candidate list generation unit 205.

  For example, if the payment date change condition as shown in FIG. 24 is set, the payment amount is 15 million yen, the payment date is January 15, 2007, and the calculation step is 5 days, the payment candidate The day calculation unit 221 calculates January 15, 2007, January 20, 2007, January 25, 2007, January 30, 2007, February 4, 2007, and February 14, 2007. The payment date is calculated, and the fact that the payee should receive 2.5% or more on each payment date is extracted as the interest rate condition.

  Then, for each payment candidate date, the transfer candidate list generation unit 205 leaves the payment candidate date without deleting it when the payment candidate date shortens the payment due date. On the other hand, if the payment candidate date is an extension of the payment due date, the transfer candidate list generation unit 205 uses the payment information received from the payment information reception unit 202 to set the credit set by the payee for the payment source. Information is extracted from the credit information storage unit 200.

  Specifically, the transfer candidate list generation unit 205 displays the credit information associated with the combination of the setter ID same as the payee ID and the same target ID as the payer ID as the credit information storage unit 200. Extract from Then, the transfer candidate list generation unit 205 calculates an allowable credit amount with reference to the credit information storage unit 200 for the combination of the payment source, the payment destination, and the payment candidate date, and the payment amount is equal to or less than the calculated allowable credit amount. It is determined whether or not. When the payment amount is larger than the allowable credit amount, the transfer candidate list generation unit 205 deletes the payment candidate date.

  When the payment amount is equal to or smaller than the allowable credit amount, the transfer candidate list generation unit 205 extracts the allowable extension range with reference to the credit information storage unit 200 for the combination of the payment source, the payment destination, the payment amount, and the payment candidate date. Then, it is determined whether or not the difference between the payment due date and the payment candidate date is included in the extracted allowable change range. If the difference between the payment due date and the payment candidate date is not included in the extracted allowable change range, the transfer candidate list generation unit 205 deletes the payment candidate date.

  When the difference between the payment due date and the payment candidate date is included in the extracted allowable change range, the transfer candidate list generation unit 205 creates a credit information storage unit for the combination of payment source, payment destination, payment amount, and payment candidate date. Referring to 200, the interest rate condition that the payee should receive from the payment source is extracted by extending the payment due date to the payment candidate date. Whether the interest rate condition set for the extension from the due date to the payment candidate date in the payment date change condition satisfies the interest rate condition set for the extension from the due date to the payment candidate date in the credit information Determine whether.

  When the interest rate condition in the payment date change condition satisfies the interest condition in the credit information, the transfer candidate list generation unit 205 leaves the corresponding payment candidate date without deleting it. On the other hand, when the interest rate condition in the payment date change condition does not satisfy the interest condition in the credit information, the transfer candidate list generation unit 205 extends the payment date to the payment candidate date, and the payee should receive from the payment source. Is replaced with the interest rate condition in the credit information, and the corresponding payment candidate date is left without being deleted.

  In this way, the transfer candidate list generation unit 205 selects the payment candidate dates calculated by the payment candidate date calculation unit 221 that satisfy the credit information as payment candidate dates. Then, the transfer candidate list generation unit 205 changes the repayment date for each selected payment candidate date among the electronic receivables whose payment source users included in the payment information are creditors. What can be extracted is extracted and stored in the transfer candidate storage unit 210 as transfer candidates on the payment candidate date for each payment candidate date.

In addition, the transfer candidate list generation unit 205 pays (A) the redemption amount before the redemption date change, (B) the redemption amount after the redemption date change, (C) the payment amount on the payment date, and (D) the payment date. Using the payment amount when the candidate date is changed, a virtual evaluation amount is calculated for each transfer candidate by the following formula and stored in the transfer candidate transmission unit 2110.
Virtual valuation amount = (B) ÷ (A) × (C) ÷ (D)

  In the transfer candidate storage unit 210 of the present embodiment, for example, as shown in FIG. 25, for each candidate ID 21001, a transfer candidate recommendation rank 21000 corresponding to the candidate ID 21001, payment candidate date 21002, payment date change amount 21003, change Type 21004 indicating whether the amount 21003 is extended or shortened, the received interest rate 21005 indicating the interest received by the payment source by changing the payment due date to the payment candidate date, the payment amount 21006 on the payment candidate date, Receivable ID 21007, redemption amount 21008 before changing the redemption date of the electronic receivable corresponding to the receivable ID 21007, the debtor of the electronic receivable corresponding to the receivable ID 21007 and the previous creditor 21009, the redemption date change amount 21010, the redemption date Indicates whether the amount of change 21010 is extended or shortened Another 21011, receives interest rate 21012 that indicates the interest rate that the payment source received by a change in the redemption date, the redemption amount of money 21013 after changing the redemption date, and, virtual valuation 21014 is stored.

  The recommendation rank calculation unit 206 assigns a recommendation rank for each transfer candidate stored in the transfer candidate storage unit 210 in the order of a small difference from the allowable risk amount. In addition, when a plurality of transfer candidates fall under the same recommended order, the recommended order calculation unit 206 determines that the redemption amount is smaller when the redemption date is extended, and the redemption amount when the redemption date is shortened. A higher recommendation rank may be assigned to the larger one. If there is still a transfer candidate having the same recommended rank, the recommended rank calculating unit 206 may assign a higher recommended rank to the higher allowable credit amount calculated by the allowable credit amount calculating unit 203. Good. If there is still a transfer candidate having the same recommendation rank, the recommendation rank calculation unit 206 may assign a higher recommendation rank to the higher virtual evaluation amount.

  Next, the operation of the electronic bond management apparatus 20 in this embodiment will be described. The general operation of the electronic bond management apparatus 20 is the same as that of the electronic bond management apparatus 20 in the first embodiment described with reference to FIG. The transfer candidate list generation process (S200) in the electronic bond management apparatus 20 of this embodiment is as shown in FIG. 26, for example.

  First, the electronic bond management apparatus 20 executes a payment candidate date selection process for selecting payment candidate dates from payment information (S500). Next, the electronic bond extraction unit 204 extracts the creditor ID identical to the payment source ID included in the payment information from the electronic bond storage unit 208 and supplies it to the transfer candidate list generation unit 205 (S220). Then, the transfer candidate list generation unit 205 selects one unselected payment candidate date among the payment candidate dates selected in step S500 (S221), and among the bond IDs extracted by the electronic bond extraction unit 204, Then, one unselected bond ID is selected (S222).

  Next, the transfer candidate list generation unit 205 determines whether or not the redemption date of the electronic bond corresponding to the selected bond ID matches the selected payment candidate date (S223). If the redemption date and the payment candidate date do not match (S223: No), the transfer candidate list generation unit 205 executes a redemption date change process described later (S600), and executes the process shown in step S225.

  When the redemption date matches the payment candidate date (S223: Yes), the transfer candidate list generation unit 205 associates the candidate ID with the payment candidate date selected in step S221, the bond ID selected in step S222, The redemption amount of the electronic bond corresponding to the bond ID, information indicating the debtor of the electronic bond and past creditors, and the like are stored in the transfer candidate storage unit 210.

  Next, the transfer candidate list generation unit 205 determines whether or not all bond IDs extracted in step S222 have been selected (S225). When there is an unselected bond ID (S225: No), the transfer candidate list generation unit 205 executes the process shown in step S222 again. If all bond IDs have been selected (S225: Yes), the transfer candidate list generation unit 205 determines whether all payment candidate dates selected in step S500 have been selected (S226).

  If there is an unselected payment candidate date (S226: No), the transfer candidate list generation unit 205 executes the process shown in step S221 again. When all the payment candidate dates have been selected (S226: Yes), the transfer candidate list generation unit 205 instructs the allowable risk amount calculation unit 207 to calculate the recommended rank, and ends the transfer list generation process shown in this flowchart. .

  FIG. 27 is a flowchart illustrating an example of the payment candidate date selection process (S500).

  First, the payment date calculation unit 221 displays the payment date change condition associated with the same setter ID as the payment destination ID included in the payment information received from the payment information reception unit 202 as the payment date change condition storage unit 220. The amount range including the payment amount is identified with reference to the extracted payment date change condition, and it is determined whether the identified amount range is associated with the payment period including the payment date .

  When the payment period including the due date is associated with the amount range including the payment amount, the payment candidate date calculation unit 221 refers to the payment candidate date calculation step included in the payment information, A payment candidate date that satisfies the calculation step is calculated within the changeable range associated with the amount range. Then, the payment candidate date calculation unit 221 extracts and calculates the interest rate condition to be paid to the payee from the payment date change condition storage unit 220 when each payment candidate date is changed to the payment candidate date. The payment candidate date and the extracted interest rate condition are sent to the transfer candidate list generation unit 205 (S501).

  Next, based on the payment information received from the payment information receiving unit 202, the transfer candidate list generating unit 205 extracts the credit information set by the payee for the payment source from the credit information storage unit 200 (S502). Then, the transfer candidate list generation unit 205 selects one unselected payment candidate date among the payment candidate dates calculated by the payment candidate date calculation unit 221 (S503), and the selected payment candidate date indicates the payment due date. It is determined whether or not to extend (S504).

  If the selected payment candidate date is equal to the payment due date, or if the payment due date is shortened (S504: No), the transfer candidate list generation unit 205 calculates the payment candidate date calculated by the payment candidate date calculation unit 221. It is determined whether or not all have been selected (S508). If there is an unselected payment candidate date among the payment candidate dates calculated by the payment candidate date calculation unit 221 (S508: No), the transfer candidate list generation unit 205 executes the process shown in step S503 again. On the other hand, when all the payment candidate dates calculated by the payment candidate date calculation unit 221 are selected (S508: Yes), the electronic bond management device 20 ends the payment candidate date selection process shown in this flowchart.

  In step S504, when the selected payment candidate date is an extension of the payment due date (S504: Yes), the transfer candidate list generation unit 205 stores credit information for the combination of the payment source, the payment destination, and the payment candidate date. The allowable credit amount is calculated with reference to the unit 200, and it is determined whether or not the payment amount is equal to or less than the calculated allowable credit amount (S505). When the payment amount is larger than the allowable credit amount (S505: No), the transfer candidate list generation unit 205 deletes the payment candidate date selected in step S503 (S509), and executes the process shown in step S506.

  When the payment amount is equal to or less than the allowable credit amount (S505: Yes), the transfer candidate list generation unit 205 allows the combination of the payment source, the payment destination, the payment amount, and the payment date with reference to the credit information storage unit 200. The extension range is extracted, and it is determined whether or not the difference between the payment due date and the payment candidate date is included in the extracted allowable change range (S506). If the difference between the payment due date and the payment candidate date is not included in the extracted allowable change range (S506: No), the transfer candidate list generation unit 205 executes the process shown in step S509.

  When the difference between the payment due date and the payment candidate date is included in the extracted allowable change range (S506: Yes), the transfer candidate list generation unit 205 determines the combination of payment source, payment destination, payment amount, and payment candidate date. Referring to the credit information storage unit 200, the payment term is extended to the payment candidate date to extract the interest rate condition that the payee should receive from the payment source. Then, the transfer candidate list generation unit 205 sets the interest rate condition set for the extension from the payment due date to the payment candidate date in the payment date changing condition for the extension from the payment due date to the payment candidate date in the credit information. It is determined whether the satisfied interest rate condition is satisfied (S507).

  When the interest rate condition set for the extension from the payment due date to the payment candidate date in the payment date changing condition satisfies the interest rate condition set for the extension from the payment due date to the payment candidate date in the credit information (S507: Yes), the transfer candidate list generation unit 205 executes the processing shown in step S506.

  When the interest rate condition set for the extension from the payment due date to the payment candidate date in the payment date changing condition does not satisfy the interest rate condition set for the extension from the payment due date to the payment candidate date in the credit information (S507) : No), the transfer candidate list generation unit 205 replaces the interest rate condition that the payee should receive from the payment source by extending the payment due date to the payment candidate date with the interest rate condition in the credit information (S510), and shows in step S506 Execute the process.

  FIG. 28 is a flowchart illustrating an example of redemption date change processing (S600).

  First, the transfer candidate list generation unit 205 refers to the redemption date change condition storage unit 209, and the redemption date corresponding to the same setter ID as the obligor ID included in the electronic bond corresponding to the loan ID selected in step S222. The change condition is extracted, and the changeable range corresponding to the combination of the amount range including the redemption amount and the redemption period including the redemption date is specified with reference to the extracted redemption date change condition.

  Then, the transfer candidate list generation unit 205 determines whether or not the difference between the redemption date of the electronic bond and the payment candidate date selected in step S221 is included in the specified changeable range. It is determined whether or not the redemption date of the bond can be changed to the payment candidate date (S601). When the difference between the redemption date of the electronic bond and the payment candidate date is not included in the specified changeable range (S601: No), the transfer candidate list generation unit 205 ends the redemption date change process shown in this flowchart.

  When the difference between the redemption date of the electronic bond and the payment candidate date is included in the specified changeable range (S601: Yes), the transfer candidate list generation unit 205 refers to the electronic bond storage unit 208 and refers to the electronic bond It is determined whether or not it is described in FIG. 5 that the change of redemption date is permitted (S602). When it is described that the change of the redemption date is not permitted (S602: No), the transfer candidate list generating unit 205 ends the redemption date changing process shown in this flowchart.

  When it is described that the change of the redemption date is permitted (S602: Yes), the transfer candidate list generation unit 205 determines whether the redemption date needs to be extended in order to match the redemption date to the payment candidate date. Is determined (S603). If the redemption date needs to be shortened in order to match the redemption date to the payment candidate date (S603: No), the transfer candidate list generation unit 205 associates the candidate date with the payment candidate date selected in step S221, Receivable ID selected in step S202, redemption amount before redemption date change of electronic receivable corresponding to the receivable ID, information indicating debtor and past creditors of the electronic receivable, redemption date change amount, redemption date change The type, the interest rate received, the redemption amount after the redemption date is changed, and the like are stored in the transfer candidate storage unit 210 (S606), and the redemption date changing process shown in this flowchart is terminated.

  If it is necessary to extend the redemption date in order to match the redemption date to the payment candidate date (S403: Yes), the transfer candidate list generation unit 205 applies the creditor of the electronic credit to the debtor. The credit information that is the creditor is extracted from the credit information storage unit 200, and the extracted credit information is referred to specify a period in which the redemption date after the change is included.

  Then, the transfer candidate list generation unit 205 calculates the allowable credit amount for the combination of the setter same as the creditor of the electronic claim, the same target as the debtor, and the specified period. It is determined whether or not it is equal to or less than the allowable credit amount calculated by the unit 203 (S604). When the redemption amount is larger than the allowable credit amount (S604: No), the transfer candidate list generation unit 205 ends the redemption date changing process shown in this flowchart.

  When the redemption amount is equal to or smaller than the allowable credit amount (S604: Yes), the transfer candidate list generation unit 205 refers to the credit information storage unit 200 and the redemption date change condition storage unit 209, and the extension amount of the redemption date is the electronic If the interest rate condition received from the obligor of the electronic receivable by extending the redemption date is less than or equal to the allowable extension for the obligor of the receivable, and the electronic receivable issued by the obligor is extended It is determined whether or not the interest rate condition to be received as consideration for the credit to the debtor is satisfied (S605).

  When the extension amount of the redemption date and the interest rate condition do not satisfy the credit information (S605: No), the transfer candidate list generation unit 205 ends the redemption date changing process shown in this flowchart. When the extension amount of the redemption date and the interest rate condition satisfy the credit information (S605: Yes), the transfer candidate list generation unit 205 executes the process shown in step S606.

  The second embodiment of the present invention has been described above.

  As is clear from the above description, according to the electronic bond management apparatus 20 of the present embodiment, when the payment date and the redemption date of the electronic bond are different, at least one of the redemption date and the payment date of the electronic bond is changed. In such a case, it is possible to efficiently adjust profits among the participants of the electronic bond.

  The electronic bond management apparatus 20 in the first or second embodiment is realized by a computer 40 having a configuration as shown in FIG. 29, for example. The computer 40 includes a central processing unit (CPU) 41, a random access memory (RAM) 42, a read only memory (ROM) 43, a hard disk drive (HDD) 44, a communication interface (I / F) 45, an input / output interface (I). / F) 46 and a media interface (I / F) 47.

  The CPU 41 operates based on a program stored in the ROM 43 or the HDD 44 and controls each part. The ROM 43 stores a boot program executed by the CPU 41 when the computer 40 is started up, a program depending on the hardware of the computer 40, and the like.

  The HDD 44 stores a program executed by the CPU 41. The communication interface 45 receives data from other devices via a communication line and sends the data to the CPU 41, and transmits data generated by the CPU 41 to other devices via the communication line.

  The CPU 41 controls the input / output device via the input / output interface 46. The CPU 41 acquires data from the input device via the input / output interface 46. Further, the CPU 41 outputs the generated data to the output device via the input / output interface 46.

  The media interface 47 reads a program or data stored in the recording medium 48 and provides it to the RAM 42. A program provided to the CPU 41 via the RAM 42 is stored in the recording medium 48. The program is read from the recording medium 48, installed in the computer 40 via the RAM 42, and executed by the CPU 41. The recording medium 48 is, for example, an optical recording medium such as a DVD (Digital Versatile Disk) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  When the computer 40 operates as the electronic bond management apparatus 20 in the first embodiment, a program installed and executed on the computer 40 includes the credit information storage unit 200, the debt amount-specific reimbursement calculation unit 201, Payment information reception unit 202, allowable credit amount calculation unit 203, electronic bond extraction unit 204, transfer candidate list generation unit 205, recommended rank calculation unit 206, allowable risk amount calculation unit 207, electronic bond storage unit 208, redemption date change condition storage Unit 209, transfer candidate storage unit 210, transfer candidate transmission unit 211, risk target amount storage unit 212, data registration unit 213, electronic bond change unit 214, electronic bond issue processing unit 215, and redemption processing unit 216.

  When the computer 40 operates as the electronic bond management apparatus 20 in the second embodiment, the program installed in the computer 40 and executed is the computer 40, the credit information storage unit 200, the obligor-based redemption amount calculation unit. 201, payment information reception unit 202, allowable credit amount calculation unit 203, electronic bond extraction unit 204, transfer candidate list generation unit 205, recommended rank calculation unit 206, allowable risk amount calculation unit 207, electronic bond storage unit 208, redemption date change Condition storage unit 209, transfer candidate storage unit 210, transfer candidate transmission unit 211, risk target amount storage unit 212, data registration unit 213, electronic bond change unit 214, electronic bond issue processing unit 215, redemption processing unit 216, payment date change It functions as the condition storage unit 220 and the payment candidate date calculation unit 221.

  The computer 40 reads these programs from the recording medium 48 and executes them, but as another example, these programs may be acquired from other devices via a communication medium. The communication medium refers to a communication line or a digital signal or a carrier wave that propagates through the communication line.

  In the above-described embodiment, the configuration in which the electronic bond management device 20 is realized by one computer has been described as an example. However, the present invention is not limited to this, and each function in the electronic bond management device 20 is 1 The function of the electronic bond management apparatus 20 may be realized by a plurality of computers by being distributed over two or more computers and connecting these computers via a network.

  In the embodiment described above, an electronic bill has been described as an example of an electronic bond. However, the electronic bond in the present embodiment does not include information on past creditors in the transferred electronic claim. It can also be applied to normal nominated claims.

  In the second embodiment described above, the transfer candidate list generation unit 205 selects the payment candidate date calculated by the payment candidate date calculation unit 221 according to the payment candidate date calculation step included in the payment information. Although the transfer candidate is calculated for the payment candidate date, as another form, the transfer candidate list generation unit 205 calculates the transfer candidate for the daily payment candidate date and stores it in the transfer candidate storage unit 210. Transfer candidates with the same combination of payment amount, bond ID, and virtual evaluation amount on the day are deleted from the transfer candidate storage unit 210 except for those corresponding to payment candidate dates that have a large change from the payment due date. May be.

1 is a system configuration diagram illustrating an example of a configuration of an electronic bond management system 10 according to an embodiment of the present invention. It is a figure which shows an example of the data structure of the electronic bond 30 at the time of issue. It is a figure which shows an example of the data structure of the electronic bond 30 at the time of assigning without changing a date. It is a figure which shows an example of the data structure of the electronic bond 30 at the time of assigning after changing a date. Furthermore, it is a figure which shows an example of the data structure of the electronic bond 30 at the time of transferring after changing a date. It is a block diagram which shows an example of a detailed functional structure of the electronic bond management apparatus 20 in 1st Embodiment. It is a figure which shows an example of the data structure stored in the electronic bond storage part 208. FIG. It is a figure which shows an example of the data structure stored in the redemption date change condition storage part 209. It is a conceptual diagram for demonstrating the content which the redemption date change condition stored in the redemption date change condition storage part 209 shows. It is a figure which shows an example of the data structure stored in the credit information storage part 200. FIG. It is a conceptual diagram for demonstrating the content which the credit information stored in the credit information storage part 200 shows. It is a figure which shows an example of the data structure stored in the risk target amount storage part 212. FIG. It is a conceptual diagram for demonstrating the content which the target money amount stored in the risk target amount storage part 212 shows. It is a conceptual diagram for demonstrating an example of the calculation method of an allowable credit amount. It is a conceptual diagram for demonstrating the calculation method of the interest condition for every period. It is a figure which shows an example of the data structure stored in the transfer candidate storage part 210 in 1st Embodiment. It is a conceptual diagram for demonstrating an example of the calculation method of an allowable risk amount. 4 is a flowchart showing an example of the operation of the electronic bond management device 20. It is a flowchart which shows an example of the transfer candidate list production | generation process (S200) in 1st Embodiment. It is a flowchart which shows an example of a redemption date change process (S400). It is a flowchart which shows an example of a recommendation order calculation process (S300). It is a block diagram which shows an example of the detailed function structure of the electronic bond management apparatus 20 in 2nd Embodiment. It is a figure which shows an example of the data structure stored in the payment date change condition storage part. It is a conceptual diagram for demonstrating the content which the payment date change condition stored in the payment date change condition storage part 220 shows. It is a figure which shows an example of the data structure stored in the transfer candidate storage part 210 in 2nd Embodiment. It is a flowchart which shows an example of the transfer candidate list production | generation process (S200) in 2nd Embodiment. It is a flowchart which shows an example of a payment candidate date selection process (S500). It is a flowchart which shows an example of a redemption date change process (S600). 2 is a hardware configuration diagram illustrating an example of a configuration of a computer 40 that realizes the function of the electronic bond management apparatus 20. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Electronic bond management system, 11 ... Communication line, 12 ... Financial institution computer, 13 ... User computer, 20 ... Electronic bond management apparatus, 200 ... Credit information storage part, 201・ ・ ・ Redemption amount calculation unit by obligor, 202... Payment information reception unit, 203. Allowable credit amount calculation unit, 204... Electronic bond extraction unit, 205. ... Recommended rank calculation unit, 207 ... Allowable risk amount calculation unit, 208 ... Electronic bond storage unit, 209 ... Redemption date change condition storage unit, 210 ... Transfer candidate storage unit, 211 ...・ Transfer candidate transmission unit, 212... Risk target amount storage unit, 213... Data registration unit, 214... Electronic bond change unit, 215. , 220 ... Payment date Change condition storage unit, 221... Candidate payment date calculation unit, 30... Electronic receivable, 300... Receivable ID, 301 ... receivable information, 302 ... creditor ID, 303. ID, 304 ... Redemption amount, 305 ... Redemption date, 310 ... Transfer information, 311 ... Assignee, 312 ... Transfer date, 313 ... Redemption date change possibility, 314 ... Interest allocation rate, 320 ... Date change information, 321 ... New redemption amount, 322 ... New redemption date, 323 ... Payee, 324 ... Payment amount, 330 ... Transfer information, 331 ... transferor, 332 ... date of transfer, 333 ... whether redemption date can be changed, 334 ... interest reserve ratio, 340 ... date change information, 341 ... new redemption amount, 342 ... New redemption date, 343 ... Payee, 344 ... Payment amount 345 ... Payee, 346 ... Payment amount, 40 ... Computer, 41 ... CPU, 42 ... RAM, 43 ... ROM, 44 ... HDD, 45 ... Communication interface 46 ... I / O interface, 47 ... Media interface, 48 ... Recording medium, 50 ... Allowable credit amount, 51 ... Allowable credit amount

Claims (9)

An electronic bond management device for managing electronic bonds,
For each user ID that identifies a user, an interest rate paid by the user when the redemption date change condition is applied when the redemption date of the electronic debt that the user is a debtor is changed and the redemption date is changed Redemption date change condition storage means for storing information indicating the condition and redemption date changeable range, the redemption date change condition associated with the type indicating either extension or shortening of the redemption date,
Information on each electronic claim, including the debtor ID indicating the debtor of the electronic claim, the redemption amount of the electronic claim, the redemption date of the electronic claim, and the creditor ID indicating the creditor of the electronic claim, An electronic bond storage means for storing in association with a bond ID for identifying each electronic bond;
A payment information receiving means for receiving payment information including a payment source ID for identifying a payment source user, a payment destination ID for identifying a payment destination user, a payment due date, and a payment amount from a user computer;
A transfer candidate storage means for storing a transfer candidate including an interest to be paid to a debtor of the electronic claim when the payment date, the claim ID, and the redemption date of the electronic claim corresponding to the claim ID are changed;
An electronic bond extraction means for extracting an electronic bond including the same creditor ID as the payment source ID included in the payment information from the electronic bond storage means;
Referring to the electronic bond storage means, determine whether the redemption date of each electronic bond extracted by the electronic bond extraction means matches the payment date,
For electronic receivables whose redemption date matches the payment due date, the interest payable to the debtor of the electronic receivable is set to 0, and a transfer candidate including the payment due date and the receivable ID of the electronic receivable is stored in the transfer candidate storage means And
For electronic receivables whose redemption date does not match the payment due date, the electronic receivable storage means and the redemption date change condition storage means are referred to and associated with the same user ID as the obligor ID included in the electronic receivable. If the difference between the redemption date of the electronic receivable and the payment date is within the changeable range included in the extracted redemption date change condition, the payment date, the electronic receivable And a transfer candidate list generating means for storing transfer candidates including an interest received from a debtor of the electronic claim when the redemption date of the electronic claim is changed to the payment date in the transfer candidate storage means When,
An electronic bond management apparatus comprising: transfer candidate transmission means for transmitting transfer candidates in the transfer candidate storage means to a user computer that is a transmission source of the payment information. An electronic bond management apparatus according to claim 1,
Credit information storage means for storing an upper limit value of the credit amount for each combination of a setter ID for identifying a setter and a target person ID for identifying a target person for whom the setter allows credit risk;
An electronic bond including the same creditor ID as the payment source ID included in the payment information is extracted from the electronic bond storage means, and the redemption amount for each electronic bond including the same debtor ID among the extracted electronic claims A means for calculating the repayment amount by debtor for calculating the total of
For each obligor ID, the total of the redemption amount calculated by the obligor-specific redemption amount calculating means and the obligor ID are set as the subject person ID, and the payment source ID included in the payment information is set as the setter ID. An allowable credit amount calculating means for calculating a difference from the set upper limit of the credit amount as an allowable credit amount;
The transfer candidate list generation means includes:
Referring to the electronic bond storage means, determine whether the redemption date of each electronic bond extracted by the electronic bond extraction means matches the payment date,
For electronic receivables whose redemption date does not match the payment due date, the electronic receivable storage means and the redemption date change condition storage means are referred to and associated with the same user ID as the obligor ID included in the electronic receivable. Extract the repayment date change condition,
The difference between the redemption date of the electronic receivable and the payment date is within the changeable range included in the extracted redemption date change conditions, and the redemption date is extended to match the redemption date with the payment date. If you need to
If the redemption amount of the electronic claim is less than the allowable credit amount corresponding to the obligor ID of the electronic claim, the payment date, the claim ID of the electronic claim, and the redemption date are changed to the payment date And storing the transfer candidate including the interest received from the debtor of the electronic bond in the transfer candidate storage means. An electronic bond management apparatus according to claim 2,
The electronic bond storage means
The date change possibility that is information indicating whether or not the change of the redemption date is permitted is further stored in association with the receivable ID,
The transfer candidate list generation means includes:
Referring to the electronic bond storage means, determine whether the redemption date of each electronic bond extracted by the electronic bond extraction means matches the payment date,
For electronic receivables whose redemption date does not match the due date, the electronic receivable storage means and the redemption date changing condition storage means are referred to and associated with the same user ID as the debtor ID included in the electronic receivable. Extract the repayment date change condition,
The difference between the redemption date of the electronic receivable and the payment date is within the changeable range included in the extracted redemption date change conditions, and the redemption date is extended to match the redemption date with the payment date. If you need to
With reference to the electronic claim storage means, if the due date change indicating that the redemption date is permitted is associated with the claim ID of the electronic claim, the redemption amount of the electronic claim is An electronic bond management apparatus characterized by determining whether or not the credit amount is equal to or less than an allowable credit amount corresponding to a debtor ID. The electronic claim management apparatus according to claim 3,
A risk target amount storage means for storing a target amount of credit risk allowed by the setter for each setter ID for identifying the setter;
An electronic bond including the same creditor ID as the payment source ID included in the payment information is extracted from the electronic bond storage means, the total amount of redemption of the extracted electronic bond is calculated, and the payment source included in the payment information An allowable risk amount calculating unit that extracts a target amount corresponding to the same setter ID as the ID from the risk target amount storage unit, and calculates a difference between the extracted target amount and the calculated total of the redemption amount as an allowable risk amount; ,
For each transfer candidate in the transfer candidate storage unit, the redemption amount of the electronic bond corresponding to the bond ID included in the transfer candidate is extracted from the electronic bond storage unit, and the difference between the extracted redemption amount and the allowable risk amount And a recommended rank calculating means for associating a recommended rank with the transfer candidates in order of increasing calculated difference and storing in the transfer candidate storage means,
The transfer candidate transmission means includes
An electronic bond management apparatus, wherein a transfer candidate in the transfer candidate storage means is transmitted to a user computer that is a transmission source of the payment information together with a corresponding recommendation order. The electronic claim management apparatus according to claim 4,
The transfer candidate list generation means includes:
When the redemption date is changed to match the due date, the type indicating whether the redemption date is extended or shortened is further included in the transfer candidate and stored in the transfer candidate storage means,
The recommended rank calculating means includes:
When two or more transfer candidates fall under the same recommendation order, among transfer candidates that include a type indicating extension, a transfer candidate that includes a type indicating a shortening to the lower redemption amount. Is an electronic bond management apparatus characterized by associating a higher recommendation order with a higher redemption amount. The electronic claim management apparatus according to claim 5,
The recommended rank calculation means further includes:
When two or more transfer candidates correspond to the same recommendation order, the obligor ID of the electronic receivable corresponding to the receivable ID included in each transfer candidate is extracted from the electronic receivable storage means. For each debtor ID, the total of the redemption amounts calculated by the debtor-specific redemption amount calculation means and the debtor ID are set as target person IDs, and the payment source ID included in the payment information is the setter An electronic bond management apparatus characterized in that a difference from an upper limit value of a credit amount set as an ID is calculated as an allowable credit amount, and a higher recommended ranking is associated with a higher calculated allowable credit amount. An electronic bond management device for managing electronic bonds,
For each user ID that identifies a user, an interest rate paid by the user when the redemption date change condition is applied when the redemption date of the electronic debt that the user is a debtor is changed and the redemption date is changed Redemption date change condition storage means for storing information indicating the condition and redemption date changeable range, the redemption date change condition associated with the type indicating either extension or shortening of the redemption date,
Payment date change conditions applied when changing the payment due date of the payment received by the user for each user ID, and the interest rate condition and payment date changeable range received by the user when the payment due date is changed. Payment date change condition storage means for storing the payment date change condition associated with the type of information indicating whether the payment date is extended or shortened, and
Information on each electronic claim, including the debtor ID indicating the debtor of the electronic claim, the redemption amount of the electronic claim, the redemption date of the electronic claim, and the creditor ID indicating the creditor of the electronic claim, An electronic bond storage means for storing in association with a bond ID for identifying each electronic bond;
A payment information receiving means for receiving payment information including a payment source ID for identifying a payment source user, a payment destination ID for identifying a payment destination user, a payment due date, and a payment amount from a user computer;
Payment candidate date, receivable ID, interest rate to be paid to the debtor of the electronic receivable when the electronic receivable redemption date corresponding to the receivable ID is changed, and payee when the payment due date is changed to the payment candidate date Transfer candidate storage means for storing transfer candidates including interest to be paid to,
An electronic bond extraction means for extracting an electronic bond including the same creditor ID as the payment source ID included in the payment information from the electronic bond storage means;
The payment date change condition associated with the same user ID as the payee ID included in the payment information is extracted from the payment date change condition storage means, and the payment included in the payment information from the extracted payment date change condition A payment candidate date calculating means for calculating a payment candidate date which is a candidate date whose date can be changed;
For each payment candidate date calculated by the payment candidate date calculation unit, the redemption date of each electronic bond extracted by the electronic bond extraction unit matches the payment candidate date with reference to the electronic bond storage unit Determine whether or not to
For electronic receivables whose redemption date matches the payment candidate date, the interest rate to be paid to the debtor of the electronic loan is set to 0, and the payment candidate date, the receivable ID of the electronic receivable, and the payment date are the payment candidate date. Storing the transfer candidate including the interest to be paid to the payee in the case of the change to the transfer candidate storage means,
For electronic receivables whose redemption dates do not match the payment candidate dates, refer to the electronic receivable storage means and the redemption date change condition storage means and are associated with the same user ID as the debtor ID of the electronic receivables. The redemption date change condition is extracted, the difference between the redemption date and the payment candidate date is within the changeable range included in the extracted redemption date change condition, and the redemption date change condition storage means and the payment date Refers to the change condition storage means, the interest rate paid by the obligor of the electronic receivable when the redemption date is changed to the payment candidate date, and the payee user when the payment date is changed to the payment candidate date The payment candidate date, the receivable ID of the electronic receivable, the interest rate to be paid to the payee when the payment date is changed to the payment candidate date, and The changed date and transfer candidate list generating means for storing an assignment candidate including interest received from debtors of the electronic receivable when changing to the payment candidate date to the transfer candidate storage unit,
An electronic bond management apparatus comprising: transfer candidate transmission means for transmitting transfer candidates in the transfer candidate storage means to a user computer that is a transmission source of the payment information. An electronic bond management method in an electronic bond management apparatus for managing electronic bonds,
The electronic bond management device
A payment information reception step for receiving payment information including a payment source ID for identifying a payment source user, a payment destination ID for identifying a payment destination user, a payment due date, and a payment amount from a user computer;
The electronic receivable including the same creditor ID as the payment source ID included in the payment information is information on each electronic receivable, the obligor ID indicating the obligor of the electronic receivable, the redemption amount of the electronic receivable, An electronic bond extraction step for extracting the redemption date of the electronic bond and the creditor ID indicating the creditor of the electronic bond from the electronic bond storage means for storing the electronic bond in association with the bond ID for identifying each electronic bond;
Referring to the electronic bond storage means, determine whether the redemption date of each electronic bond extracted in the electronic bond extraction step matches the payment date,
For an electronic claim whose redemption date matches the payment date, the interest rate to be paid to the debtor of the electronic claim is set to 0, and a transfer candidate including the payment date and the claim ID of the electronic claim is stored in the transfer candidate storage means. ,
For electronic receivables whose redemption date does not match the payment due date, this applies when changing the redemption date of the electronic receivable for which the user is a debtor, for each electronic receivable storage means and user ID for identifying the user. Information indicating the interest rate condition paid by the user when the redemption date is changed and the range in which the redemption date can be changed is associated with a type indicating whether the redemption date is extended or shortened. With reference to the redemption date changing condition storage means for storing the redemption date changing condition, the redemption date changing condition associated with the same user ID as the obligor ID included in the electronic bond is extracted, and the electronic If the difference between the redemption date of the receivable and the due date is within the changeable range included in the extracted redemption date change condition, the due date is included in the electronic receivable Kwon ID, and a transfer candidate list generating step of storing an assignment candidate including interest to receive redemption date of the electronic creditors from debtors of the electronic receivable when changing to the due date in the transfer candidate storage unit,
An electronic bond management method, comprising: performing a transfer candidate transmission step of transmitting a transfer candidate in the transfer candidate storage means to a user computer that is a transmission source of the payment information. A program for causing a computer to function as an electronic bond management device for managing electronic bonds,
The computer,
For each user ID that identifies a user, an interest rate paid by the user when the redemption date is applied when changing the redemption date of the electronic debt that the user is obligor and the redemption date is changed Redemption date change condition storage means for storing the redemption date change condition associated with the type indicating whether the redemption date is extended or shortened as information indicating the condition and the redemption date changeable range,
Information on each electronic claim, including the debtor ID indicating the debtor of the electronic claim, the redemption amount of the electronic claim, the redemption date of the electronic claim, and the creditor ID indicating the creditor of the electronic claim, An electronic bond storage means for storing in association with a bond ID for identifying each electronic bond;
Payment information receiving means for receiving payment information including a payment source ID for identifying a payment source user, a payment destination ID for identifying a payment destination user, a payment due date, and a payment amount from a user computer,
A transfer candidate storage means for storing a transfer candidate including an interest to be paid to a debtor of the electronic claim when the payment date, the claim ID, and the redemption date of the electronic claim corresponding to the claim ID are changed;
An electronic bond extracting means for extracting an electronic bond including the same creditor ID as the payment source ID included in the payment information from the electronic bond storage means;
Referring to the electronic bond storage means, determine whether the redemption date of each electronic bond extracted by the electronic bond extraction means matches the payment date,
For electronic receivables whose redemption date matches the payment due date, the interest payable to the debtor of the electronic receivable is set to 0, and the transfer candidate including the payment due date and the receivable ID of the electronic receivable is stored in the transfer candidate storage means And
For electronic receivables whose redemption date does not match the due date, the electronic receivable storage means and the redemption date changing condition storage means are referred to and associated with the same user ID as the debtor ID included in the electronic receivable. If the difference between the redemption date of the electronic receivable and the payment date is within the changeable range included in the extracted redemption date change condition, the payment date, the electronic receivable And a transfer candidate list generating means for storing transfer candidates including an interest received from a debtor of the electronic claim when the redemption date of the electronic claim is changed to the payment date in the transfer candidate storage means And a transfer candidate transmission unit that transmits the transfer candidate in the transfer candidate storage unit to a user computer that is a transmission source of the payment information. Program.

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