JP2011039799A - Application system of electronically recorded claim - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an application system of electronically recorded claims, which performs the electronic recording application of credit receivable generated based on physical distribution information and commercial distribution information to an electronic claim recording organization and the management of electronically recorded claims related to the physical distribution information and the commercial distribution information. <P>SOLUTION: The application system of electronically recorded claims includes: an SCM part 320 for managing physical distribution information and commercial distribution information; an electronically recorded claim management part 310 including a property management part 311 for relating the identification information of electronically recorded claims to the physical distribution information and commercial distribution information and managing these pieces of information as property management information 313 together with movable property information, and an electronic recording application part 312 for performing the generation recording of electronically recorded claims, the information acquisition of the electronically recorded claims and the application of updating recording and recording history as electronic recording history information 314; and a base part 340. The electronic recording application part 312 receives a request of credit receivable from a borrower, applies the generation recording of an electronically recorded claim, and records the identification information of the electronically recorded claim, the physical distribution information and the commercial distribution information in the property management information 313 in relation with each other. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a technique for applying electronic records of trade receivables to an electronic credit record organization and managing information on electronic record receivables electronically recorded in a record ledger. It is effective when applied to an electronic record receivable application system that manages electronic record receivable applications and electronic record receivable information in association with certain logistics information and commercial flow information (including transaction information such as order placement and so on). It is about technology.

  In recent years, with the trend toward more IT in the economy and finance, especially small and medium-sized businesses have been able to digitize bills and accounts receivables held by companies and promote the liquidation of receivables while ensuring the safety of transactions. The Electronic Record Claims Act was enacted and enforced with the aim of facilitating and revitalizing corporate funding, and the Electronic Record Claims System was established (see Non-Patent Document 1, etc.). Here, electronic record receivables are a new type of monetary receivables that are neither designated receivables nor bill receivables. It is a requirement.

  This electronically recorded receivables system increases legal stability by electronically recording receivables and enables split transfer of receivables, which improves usability as collateral and settlement means. For example, Non-Patent Document 2 As described in, various business models having the possibility of utilizing electronically recorded receivables are being studied. In Non-Patent Document 2, for example, areas where advanced services and electronic data are being used in recent years include lump sum payment (factoring) methods, digitization of bills, CMS (cash management system), financing The possibility of the use of electronically recorded receivables in 3PL (third party logistics), etc. is being considered.

  Specifically, for example, in the flow of business logistics and commercial transactions, taking advantage of the fact that receivables are electronically recorded receivables and the existence of receivables and the relationship of rights are clarified, sales such as lump sum settlement (factoring) method etc. Utilization for corporate finance is being considered through liquidation of accounts receivable and loans secured by accounts receivable. In addition, by matching the information of electronically recorded receivables recorded in electronic receivables recording institutions with inventory information and logistics information held by companies, a system for seamlessly handling from stock collateralized loans to accounts receivable collateralized loans can be established. The possibility is pointed out.

Financial Services Agency Civil Affairs Bureau, “Outline of Electronic Record Claims Act”, [online], Financial Services Agency website, [Search on March 17, 2009], Internet <URL: http://www.moj.go.jp/MINJI /minji138.html> Finance Business Roundtable / Business Model Review Working Group Utilizing Electronic Receivables, “Electronic Receivables Concept-Aiming to Establish Economic and Financial Infrastructure in IT Society”, [online], April 13, 2005, Economy, Trade and Industry Ministry website, [Search on March 17, 2009], Internet <URL: http://www.meti.go.jp/policy/economic_industrial/report/data/g50413aj.html>

  In the examination of the possibility of using electronically recorded receivables so far in the logistics and commercial transactions of companies as described above, finance that utilizes the fact that the receivables exist and their rights are clarified by using receivables as electronically recorded receivables. For example, a mechanism for supporting information on receivables for distribution or commercial transactions by matching inventory information and distribution information with information on electronically recorded receivables has been mainly studied. However, the concrete system infrastructure that actually provides this information has not been studied and has not been developed.

  Therefore, an object of the present invention is to apply for and record electronic records of generated accounts receivables to an electronic asset recording organization based on distribution information and commercial flow information held by companies, which is the basis for the generation of accounts receivable. An object of the present invention is to provide an electronic record receivable application system that performs management associated with distribution information and commercial flow information on electronic record receivables electronically recorded in a ledger. The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

  Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.

  An electronic record receivable application system according to a typical embodiment of the present invention is for a borrower who raises funds from a financial institution to electronically record an account receivable held by the borrower as an electronic record receivable in an electronic receivable record institution. An electronic record receivable application system that supports the application and has the following features.

  That is, the electronic record receivable application system is connected to the electronic receivable recording institution via a network, and manages supply chain management (distribution information and commercial flow information between the borrower and its suppliers and distributors). Hereinafter, it may be simply referred to as “SCM”), the identification information of the electronic record receivable electronically recorded in the electronic receivable recording institution held by the borrower, and electronically recorded as the electronic record receivable An asset management unit for associating the logistics information and the commercial flow information held in the SCM unit related to the accounts receivable and managing as asset management information together with information on movables held by the borrower; , The occurrence record of the electronic record receivable for the trade receivable against the record ledger possessed by the electronic claim record organization, and the electronic record recorded in the record ledger An electronic record receivable management section having an electronic record application section for applying to obtain and update information of the electronic record receivable and recording a history related to the application as electronic record history information, and a connection interface to the electronic receivable recording organization And a base part including a user interface for the borrower's client terminal.

  In addition, the electronic record application unit receives a request from the borrower using the client terminal for the trade receivable generated by the borrower, and generates the electronic record loan to the electronic bond recording organization. Applying for recording, associating the identification information of the electronically recorded receivable electronically recorded in the electronic receivable recording institution with the logistics information and the commercial flow information held in the SCM section related to the receivable It is recorded in the asset management information.

  Among the inventions disclosed in the present application, effects obtained by typical ones will be briefly described as follows.

  According to the exemplary embodiment of the present invention, based on the distribution information and commercial flow information of the target company by linking or merging with the SCM system (SCM section) in order to acquire information on accounts receivable. Thus, it becomes possible to seamlessly apply for electronic records of generated accounts receivables to an electronic bond recording organization during business processing.

  In addition, according to the representative embodiment of the present invention, it is possible to manage the electronically recorded receivables electronically recorded in the record ledger in association with the supporting physical distribution information and commercial flow information. It can be managed centrally together with the inventory information before it is converted into bonds. Thereby, it is possible to obtain effective information when receiving a collateral loan for assets (movable property / trade receivables), and it is possible to contribute to the promotion of the asset collateral loan as a fund procurement means.

It is a figure which shows the structural example of the electronic record loan application system which is one embodiment of this invention. It is the figure which showed the data structure and example of data of the asset management information in one embodiment of this invention. It is the figure which showed the data structure and data example of the electronic recording log | history information in one embodiment of this invention. It is the figure which showed the example of the processing flow of the application of the electronic record to the electronic bond recording organization about the accounts receivable in one embodiment of this invention. It is the figure which showed another example of the processing flow of the application of the electronic record to the electronic bond recording organization about the accounts receivable in one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted.

  An electronic record receivable application system according to an embodiment of the present invention has a connection interface to an electronic receivable recording institution, and also includes information relating to accounts receivable (information relating to the occurrence of accounts receivable, corresponding logistics information and In order to obtain commercial flow information, etc., it is linked or merged with the SCM system (SCM section).

  This will help borrowers who raise funds from financial institutions, etc. to record their own claims (trade receivables) as electronic record receivables in an electronic receivables record organization. Management is performed by associating the identification information with the logistics information and commercial flow information supporting the identification information, and further, the management function is realized together with the inventory information before changing to the accounts receivable.

[System configuration]
FIG. 1 is a diagram showing a configuration example of an electronic record loan application system according to an embodiment of the present invention. The electronic record loan application system 300 is configured by a computer system such as a PC or a server, and a user such as a borrower 400, a supplier 410, or a sales destination 420 is connected by a client terminal such as a PC via a network 500 such as the Internet. It is configured to connect. Further, it is configured to be connected to the connection institution 200 via the network 500 or another network and connectable to the electronic bond recording institution 100 via this.

  The electronic bond recording institution 100 is an institution (currently scheduled to be established in some financial institutions, etc.) that records electronically such as generation and transfer of receivables based on the contents of application from a user via the connection organization 200 described later. Various kinds of electronic record information related to the electronic record receivable are recorded in the database as the record original book 101.

  The connection organization 200 is an organization that authenticates the user based on an application from the user and accepts and mediates an application relating to the electronic record of the claim with respect to the electronic claim recording organization 100. The operation of the connection organization 200 is assumed to be performed by, for example, a financial institution designated by the electronic bond recording organization 100, or an office contractor such as a subsidiary of the financial institution. The connection organization 200 accepts applications for electronic records regarding the generation of receivables by users, renewals due to assignments, etc., and requests for references to receivables electronically recorded in the record book 101, and connects to the electronic receivable recording organization 100 And a recording organization connection unit 210 that is an interface for processing. In addition, recording information 201 is provided as a database for holding information such as history associated with these processes.

  In addition, each said organization points out the information processing system which each performs the intrinsic | native work in each organization as an entity. In the present embodiment, the electronic record receivable application system 300 is configured to be connected to the electronic bond record institution 100 via the connection organization 200. However, such a configuration is not necessarily provided. When the connection institution 200 is established for connection to the electronic bond recording institution 100, the connection is established through the connection institution 200. When the connection institution 200 is not established, it is assumed that the connection is directly made to the electronic bond recording institution 100. . Accordingly, hereinafter, unless otherwise distinguished, the electronic bond recording institution 100 is treated as an electronic bond recording institution in a broad sense including the connection organization 200.

  The electronic record receivable application system 300 includes, for example, an electronic record receivable management unit 310, an SCM unit 320, and a base unit 340, which are each implemented by a software program. The electronic record bond management unit 310 includes, for example, an asset management unit 311, an electronic record application unit 312, and asset management information 313 and electronic record history information 314 databases.

  The asset management unit 311 manages the management by associating the identification information of the electronic record receivable electronically recorded in the electronic bond recording organization 100 with respect to the borrower 400 described later, and the logistics information and commercial flow information held in the SCM unit 320 described later. Do. Furthermore, it is possible to manage it together with information on inventory assets before changing to accounts receivable.

  The electronic record application unit 312 receives information on the borrower 400 or the sales destination 420 using the client terminal when the borrower 400 or the sales destination 420 or the like generates a receivable in the borrower 400 due to the inspection of the product. In response to a request from a user or a request from the SCM unit 320 that has detected the occurrence of a trade receivable based on the contents of distribution information and commercial flow information, an electronic record receivable is generated in the electronic bond recording institution 100 via the connection organization 200 Apply for records.

  In addition, it is also possible to apply for an update record by transfer or the like for the electronic record receivable electronically recorded in the record book 101 and to refer to the contents. In addition, in order to perform encryption, identity authentication, etc. when applying to the electronic bond recording institution 100 or the connecting institution 200, the electronic certificate, encryption key, etc. issued from the electronic bond recording institution 100 are held and managed. May be.

  In the asset management information 313, information on assets held by the borrower 400 (current assets such as inventory assets and trade receivables) is associated with identification information of electronic record receivables electronically recorded in the electronic receivable recording organization 100. Hold. The contents of each asset are associated with physical distribution information and commercial distribution information held by the SCM unit 320 described later. Thereby, for example, it is possible to grasp the actual information such as the actual location of the target product with respect to the trade receivable electronically recorded as the electronic record receivable. On the other hand, the electronic record history information 314 holds application history information (processing log) by the electronic record application unit 312.

  The SCM unit 320 provides a function corresponding to a so-called SCM system in which the borrower 400 manages the distribution information and the commercial flow information between the company and the company and other companies (such as the supplier 410 and the sales customer 420). . In the present embodiment, the electronic record receivable application system 300 includes the above-described electronic record receivable management unit 310 and the SCM unit 320. However, the present invention is not limited to this. The system may be configured as an independent electronic record claim application system 300, the SCM unit 320 may be configured as an independent SCM system (for example, an existing SCM system), and these may be linked to each other via the network 500 or the like. It is also possible to adopt a configuration in which the function of the electronic record bond management unit 310 is incorporated in the SCM system.

  A variety of SCM units 320 (SCM systems) are provided from many vendors according to the type of business, and detailed description of the functions and the like is omitted, but generally, for example, the plan management unit 321 , The negotiation management unit 322, the procurement management unit 323, the manufacturing management unit 324, the inventory management unit 325, the sales management unit 326, and the transportation management unit 327. Also, for one or more target companies (borrower 400, etc.), various information such as plan information 328, product information 329, transaction information 330, inventory information 331, etc., is stored as a database as logistics information and commercial flow information. To do. Such information can be used as supporting information for accounts receivable.

  The plan management unit 321 has a function of executing and managing various plans such as a purchase plan, a production plan, a distribution plan, and a sales plan in the borrower 400. The business negotiation management unit 322 has functions such as business flow management, performance management, and business negotiation support for individual products. The procurement management unit 323 has functions such as information management for purchase and purchase, order processing, and payment processing. The production management unit 324 has a function of managing the execution of production / manufacturing when purchasing raw materials and processing. The inventory management unit 325 has a function of inventory processing, inventory management, inventory management, and the like. The sales management unit 326 has functions such as order processing and billing processing for sales of products. The transportation management unit 327 has functions such as transportation / delivery of goods to be sold.

  Further, the plan information 328 holds plan information from purchase / production to sales in the borrower 400. The merchandise information 329 holds information on the contents and attributes of merchandise purchased or produced and sold by the borrower 400. The transaction information 330 holds the contents of commercial transactions between the borrower 400 and the suppliers 410 and the sellers 420 (commercial flow information such as orders). The inventory information 331 is information on the location of movable property such as the amount of movable property (inventories) after purchasing or producing a product, whether it is in its own warehouse or in the state of pre-inspection in the warehouse of the sales destination ( Logistics information) is retained.

  The base unit 340 includes various bases such as a user interface for displaying a processing screen on a client terminal such as the borrower 400, a connection interface to an external system such as the electronic bond recording institution 100 and the connection institution 200, and middleware such as a database management program. It has a function. Specifically, for example, as a function of the user interface, there is a function of displaying a screen generated by the electronic record bond management unit 310 or the SCM unit 320 on a Web browser on the client terminal, and the like.

  Borrower 400 is a company that procures funds from financial institutions, etc., or wants to procure funds based on the assets owned by them, such as loans secured by these assets (asset collateralized loans) or transfer of claims. is there. Borrower 400 uses a web browser on a client terminal such as a PC to access each function of electronic record receivable management unit 310 and SCM unit 320 via base unit 340 of electronic record receivable application system 300, It is possible to carry out processing for in-house logistics and commercial transactions, confirm and update logistics information and commercial flow information, and apply for record of electronic record receivables.

  The supplier 410 and the seller 420 sell the supplier from which the borrower 400 procures raw materials, parts, products, etc., and the products purchased by the borrower 400 and the products produced by processing and manufacturing, respectively. The company that sells. Each of these companies similarly uses a Web browser or the like on a client terminal such as a PC to perform functions of the electronic record receivable management unit 310 and the SCM unit 320 via the base unit 340 of the electronic record receivable application system 300. It is possible to access and process transactions with the borrower 400, confirm and update logistics information and commercial flow information, and apply for recording of electronic record receivables.

  In the present embodiment, the functions of the electronic record receivable management unit 310 and the SCM unit 320 in the electronic record receivable application system 300 are serviced by an ASP (Application Service Provider) or the like via the network 500 and other borrowers 400 and other functions. Although it is configured to be provided to a company, the borrower 400 may independently hold the electronic record loan application system 300 and be accessed by other companies such as the supplier 410 and the sales customer 420.

[Data structure]
FIG. 2 is a diagram showing an example of the data structure and data of the asset management information 313 in the electronic record loan application system 300 of the present embodiment. The asset management information 313 that the electronic record receivable management unit 310 has includes, for example, asset ID, asset type, product ID, product name, unit price, quantity, state, electronic record receivable ID, debtor, reservation creditor, update date, etc. Each item is managed, and the contents, status, etc. of each managed asset (movable property (inventory asset), receivable (account receivable)) held by the borrower 400 are retained.

  The item of asset ID holds an ID for uniquely identifying the asset to be managed (movable property / bond) in the electronic record loan application system 300. For example, the asset ID is allocated by the SCM unit 320, and the movable property (inventory asset) is managed by a common ID in the transaction information 330 and the inventory information 331 of the SCM unit 320. Whether the target asset is an inventory asset, a current asset, or other asset, specifically, whether it is “movable property (inventory asset)” or “receivable (trade receivable)” Holds information that identifies

  Basically, the asset management unit 311 records information on the movable property (inventory assets) acquired from the SCM unit 320 in the asset management information 313 as the asset type “movable property”, and an account receivable occurred for the subject movable property. In this case, the asset type is updated to “Receivable”. The movable property may be recorded in the asset management information 313 when a future receivable transfer reservation is made as will be described later with respect to the subject movable property.

  The items of product ID and product name hold information for identifying the product corresponding to the target asset. The unit price and quantity items hold information on the unit sales price and the sales quantity or inventory quantity of the product corresponding to the target asset. The status item holds information indicating the status of the target asset as an electronic record receivable. Here, it is distinguished whether the target asset (trade receivable) is electronically recorded in the electronic bond recording institution 100 or whether it has been applied for electronic records but not yet electronically recorded. .

  The item of the electronic record receivable ID is the ID given when the subject receivable receivable is recorded as the electronic record receivable in the electronic receivable recording institution 100 when the asset type of the target asset is “receivable”. Retain to associate with the target asset. For example, by using the value of the item of the electronic record receivable ID as a key, referring to the record book 101 of the electronic bond record organization 100 via the electronic record application unit 312 or the recording organization connection unit 210 of the connection organization 200 It is possible to acquire detailed information on electronically recorded receivables related to trade receivables corresponding to the assets of

  The obligor item holds information for identifying the obligor of the target asset (in the case of movable property, when it becomes a receivable in the future), that is, the sales destination 420 viewed from the borrower 400. The item of the reservation creditor is that the target asset (the movable property for which no accounts receivable has yet to be generated) will be sent to the other party when a reservation is made for assignment or pledge setting for future accounts receivable as will be described later. That is, information identifying the creditor viewed from the borrower 400 is held. The update date item holds information on the date on which the target asset information was updated.

  FIG. 3 is a diagram illustrating an example of data structure and data of the electronic record history information 314 in the electronic record claim application system 300 according to the present embodiment. The electronic record history information 314 included in the electronic record receivable management unit 310 includes items such as a log ID, a processing type, an asset ID, an electronic record receivable ID, a processor, a target person, and a processing date and time. The history (log) information about the application of the electronic record to the electronic bond recording organization 100 by 312 is held.

  The log ID item holds ID information uniquely assigned to each piece of history information. The processing type item holds information indicating the processing content related to the target history. Here, the process related to the target history is a process of applying for a record of renewal due to the generation or transfer of an electronic record receivable by the electronic record application unit 312, or an electronic record from the electronic receivable recording institution 100 or the connection institution 200. It is distinguished whether it is processing when a response is received.

  The items of asset ID and electronic record receivable ID hold information for identifying an asset (account receivable) that is a target of processing related to the target history. These contents are the same as those of the asset management information 313 in FIG. The item of the processor holds information on the subject that executed the process related to the target history. For example, when a user manually performs a recording application process such as generation or transfer of an electronically recorded bond, the user information is recorded. Further, as will be described later, when it is automatically performed in response to a request from the SCM unit 320, for example, by setting a blank or a specific value, it is possible to identify that the system has automatically executed the process.

  The item of the target person holds information on the target person (the other party) of the process related to the target history. For example, in the case of an application for an occurrence record of an electronic record receivable, information on the debtor of the subject receivable is recorded. In the case of an application for transfer record, information of the creditor of the transfer destination is recorded. The processing date and time item holds information on the date and time when the processing related to the target history is executed.

  Each item of the asset management information 313 in FIG. 2 and the electronic record history information 314 in FIG. 3 described above is merely an example, and may have items different from these items.

[Processing flow]
FIG. 4 is a diagram showing an example of a processing flow of an electronic record application to the electronic bond recording institution 100 for accounts receivable in the electronic record loan application system 300 of the present embodiment. First, the sales destination 420 performs an ordering process for the product sold by the borrower 400 (S101). Here, for example, the user of the sales destination 420 accesses the electronic record receivable application system 300 using a client terminal, performs order processing by the sales management unit 326 in the SCM unit 320, and the information is stored in the transaction information 330. To be recorded.

  In the example of FIG. 4, the sales destination 420 accesses the SCM unit 320 of the electronic record receivable application system 300 to perform ordering processing. However, the borrower 400 receives order information from the sales destination 420 by another means. It is possible to acquire the order information by the user of the borrower 400 accessing the SCM unit 320 and registering the order information.

  Next, the borrower 400 that has received the order from the sales destination 420 performs order processing for the order (S102). Here, for example, the user of the borrower 400 accesses the electronic record receivable application system 300 using the client terminal, performs order processing by the sales management unit 326 in the SCM unit 320, and the information is stored in the transaction information 330. To be recorded.

  Next, the borrower 400 that has received the order ships the target product to the sales destination 420 (S103). Here, for example, the user of the borrower 400 accesses the electronic record loan application system 300, issues a shipping instruction by the inventory management unit 325 or the transportation management unit 327 in the SCM unit 320, and the information is recorded in the inventory information 331. The In the example of FIG. 4, it is assumed that the user of the borrower 400 gives a shipping instruction by the SCM unit 320, but the shipping instruction and the shipping process are performed by another means, and the information is accessed and registered in the SCM unit 320. It may be a form to do.

  Next, the sales destination 420 that has received the product shipped from the borrower 400 performs an inspection process on the product (S104). Here, for example, the user of the sales destination 420 accesses the electronic record claim application system 300, registers the information of the inspection processing result by the inventory management unit 325 in the SCM unit 320, and the information is recorded in the inventory information 340. The In the present embodiment, it is assumed that accounts receivable are generated in the borrower 400 at the timing when the inspection process is performed.

  Next, the seller 420, who is the debtor, performs a request process for recording the account receivable generated in the borrower 400 as an electronically recorded claim (S105). Here, for example, the user of the sales destination 420 accesses the electronic record receivable application system 300, and the electronic record receivable management unit 310 in the electronic record receivable management unit 310 performs the request processing of the occurrence record of the electronic record receivable. In the example of FIG. 4, the user of the sales destination 420 accesses the electronic record receivable management unit 310 to perform the generation record request process. However, the SCM that has received the inspection process result input in step S104. The unit 320 may detect the occurrence of the accounts receivable based on the contents of the input, and automatically perform the generation record request processing for the electronic record bond management unit 310.

  Next, the electronic record receivable management unit 310 that has received a request for the occurrence record of the electronic record receivable performs an application process for the occurrence record of the electronic record receivable to the electronic receivable recording organization 100 or the connecting organization 200 (S106). Here, for example, the electronic record receivable management unit 310 records information on the target asset in the asset management information 313 and records process log information in the electronic record history information 314.

  Next, the electronic receivables recording organization 100 that has received the application for the occurrence record of the electronic record receivable electronically records the subject receivable receivable as the electronic record receivable in the record book 101 (S107), and the processing result is recorded in the electronic record receivable management unit. Respond to 310. After that, the electronic record receivable management unit 310 that has received the response performs registration processing of information on the electronic record receivable (S108). Here, for example, the electronic record receivable management unit 310 registers information recorded as the electronic record receivable in association with the target asset in the asset management information 313 and records processing log information in the electronic record history information 314. To do. In addition, for example, an electronic mail or the like may be notified to the borrower 400 who is a creditor of the subject trade receivable.

  Finally, the borrower 400, who is the creditor of the subject trade receivable, confirms the information recorded as the electronically recorded receivable (S109) and ends the processing. As a means for confirmation, for example, by referring to the asset management information 313 of the electronic record receivable management unit 310 or the record book 101 of the electronic receivable recording organization 100, the electronic record receivable management unit 310 via the electronic record application unit 312 For example, it is assumed that the electronic credit recording institution 100 is notified of confirmation.

  In the present embodiment, as shown in FIG. 4 (the same applies to FIG. 5 described later), when applying for electronic records for accounts receivable, the obligor's customer 420 first applies for an occurrence record. This is an example in which the borrower 400 as the creditor confirms after the electronic record is performed in the electronic bond recording institution 100. Since the processing flow (protocol) related to the record application may differ depending on the electronic bond recording institution 100 and the connecting institution 200, the handling in the electronic record application unit 312 differs depending on the connected electronic bond recording institution 100 or the connecting institution 200. It will be a thing.

  FIG. 5 is a diagram showing another example of the processing flow of an application for electronic records to the electronic bond recording organization 100 for accounts receivable in the electronic record loan application system 300 of the present embodiment. The ordering process (S201) by the customer 420 and the ordering process (S202) by the borrower 400 are the same as the ordering process (S101) and ordering process (S102) in the processing flow of FIG. To do.

  Here, in order for the borrower 400 to procure funds at an early stage, for example, in the case of receiving asset-backed loans by making collateral contributions to financial institutions etc. with a set from movable assets (current assets) to receivables, It is possible to make a reservation so that the receivables of the subject movable property are recorded and recorded in the electronic bond recording institution 100 as electronic record claims, and at the same time, the renewal record is assigned to the creditors or is updated by pledge setting (S203). ). Here, for example, the user of the borrower 400 accesses the electronic record receivable application system 300 and makes a reservation such as transfer of the target asset by the asset management unit 311 in the electronic record receivable management unit 310.

  Next, the asset management unit 311 of the electronic record receivable management unit 310 that has received the reservation registers the reserved content (S204). Here, for example, the asset management unit 311 registers, in the asset management information 313, the asset to be reserved with the asset type “Moving Property” and the state “Application Reservation” (S204).

  From the subsequent shipping process (S205), the trade receivable is recorded in the record book 101 of the electronic bond recording institution 100 as an electronic record receivable, and the electronic record receivable management unit 310 receives the response of the occurrence record from the electronic bond recording institution 100. The processing up to the registration process (S210) of the information on the electronically recorded bond is the same as the shipping process (S103) to the registration process (S108) in the processing flow of FIG.

  As soon as the information on the electronic record receivable electronically recorded in the electronic receivable record institution 100 is registered in the asset management information 313, the electronic record receivable management unit 310 sends the target information to the electronic receivable record institution 100 or the connecting institution 200. An application process for renewal recording is performed by assigning an electronic record receivable to a creditor or setting a pledge (S211). Here, for example, the electronic record receivable management unit 310 updates the target asset information of the asset management information 313 and records process log information in the electronic record history information 314.

  Next, the electronic receivables recording institution 100 that has received the application for the update record of the transfer, etc., updates and records the transfer or the pledge setting of the subject receivable in the record book 101 (S212), and the processing result is recorded in the electronic record receivable. Responds to the management unit 310. After that, the electronic record receivable management unit 310 that has received the response performs processing for registering information on the electronic record receivable (S213). Here, for example, the electronic record receivable management unit 310 updates the status of the target asset of the asset management information 313 and records process log information in the electronic record history information 314. In addition, for example, an electronic mail or the like may be notified to the borrower 400 who is a creditor of the subject trade receivable.

  Finally, the borrower 400, who is the creditor of the subject trade receivable, confirms the information recorded as the electronically recorded receivable (S214), and ends the process. The confirmation process (S214) is the same as the confirmation process (S109) of the processing flow of FIG.

  As described above, according to the electronic record receivable application system 300 of the present embodiment, information relating to accounts receivable (information relating to the occurrence of accounts receivable, corresponding logistics information and commercial flow information, etc.) is acquired. Therefore, by cooperating with or integrating with the SCM system (SCM unit 320), it is possible to seamlessly apply for receivable receivables as electronically recorded receivables in the flow of business processing.

  In addition, the identification information of electronically recorded receivables is managed in association with the logistics information and commercial flow information that support it, and further managed together with the information of inventory assets before changing to accounts receivable. Thereby, it is possible to obtain effective information when receiving a collateral loan for assets (movable property / trade receivables), and it is possible to contribute to the promotion of the asset collateral loan as a fund procurement means.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiment. However, the present invention is not limited to the embodiment, and various modifications can be made without departing from the scope of the invention. Needless to say.

  The present invention can be applied to an electronic record receivable application system for applying electronic records of accounts receivable to an electronic receivable recording institution and managing information on electronic record receivables electronically recorded in a record book.

100: Electronic bond recording organization, 101: Record ledger,
200: Connection organization, 201: Recording information, 210: Recording organization connection section,
DESCRIPTION OF SYMBOLS 300 ... Electronic record loan application system, 310 ... Electronic record loan management part, 311 ... Asset management part, 312 ... Electronic record application part, 313 ... Asset management information, 314 ... Electronic record history information, 320 ... Supply chain management (SCM) 321 ... Plan management section, 322 ... Business negotiation management section, 323 ... Procurement management section, 324 ... Manufacturing management section, 325 ... Inventory management section, 326 ... Sales management section, 327 ... Transportation management section, 328 ... Plan information, 329 ... commodity information, 330 ... transaction information, 331 ... inventory information, 340 ... base part,
400 ... Borrower, 410 ... Supplier, 420 ... Seller,
500 ... Network.

Claims (4)

An electronic record receivable application system that supports an application for a borrower who raises funds from a financial institution to electronically record an account receivable held by the financial institution as an electronic record receivable in an electronic receivable record institution,
Connected to the electronic bond recording agency through a network,
A supply chain management unit that manages logistics information and commercial flow information between the borrower and its suppliers and distributors;
The borrower holds the identification information of the electronically recorded receivable electronically recorded in the electronic receivable recording institution, and the supply chain management section related to the receivable receivable electronically recorded as the electronically recorded receivable An asset management unit that associates the logistics information and the commercial flow information, and manages it as asset management information together with information on movables held by the borrower, and the accounts receivable for the record ledger possessed by the electronic bond recording organization Electronic record that records the occurrence of the electronic record receivable of the claim and the application for acquisition and update record of the electronic record receivable electronically recorded in the record ledger and records the history of the application as electronic record history information An electronic record receivables management department having an application department;
A base unit including a connection interface to the electronic bond recording organization and a user interface to the borrower's client terminal;
The electronic record application unit receives a request from the borrower using the client terminal for the trade receivable generated by the borrower, and records the occurrence of the electronic record receivable to the electronic bond recording organization. Making an application and associating the identification information of the electronically recorded receivable electronically recorded in the electronic receivable recording organization with the logistics information and the commercial flow information held in the supply chain management unit related to the receivable An electronic record receivable application system characterized by recording in the asset management information. In the electronic record claim application system according to claim 1,
When the supply chain management unit detects that the receivable has occurred in the borrower, the supply chain management unit reports the receivable receivable to the electronic receivables recording organization with respect to the electronic record application unit. An electronic record receivable application system characterized by requesting an application for a record of occurrence of receivables. In the electronic record loan application system according to claim 1 or 2,
The asset management unit, for the movable property held by the borrower, records the receivables that will occur in the future for the movable property as the electronic record receivables at the electronic receivables recording organization, and at the same time the receivables of the borrower Receiving a request for reservation registration from the borrower using the client terminal so that an update is recorded by assignment or pledge setting to a person, and records the details of the reservation registration in the asset management information,
The electronic record application unit applies to the electronic claim recording organization for the record of occurrence of the electronic record receivable with respect to the trade receivable generated from the movable property, and immediately when the electronic record receivable is electronically recorded. An electronic record receivable application system for applying an update record by assigning or pledge setting for the electronic record receivable. An electronic record receivable application system that supports an application for a borrower who raises funds from a financial institution to electronically record an account receivable held by the financial institution as an electronic record receivable in an electronic receivable record institution,
Connected via a network to the electronic bond recording organization and a supply chain management system that manages logistics information and commercial flow information between the borrower and its suppliers and sellers,
The borrower holds the identification information of the electronic record receivable electronically recorded in the electronic receivable recording organization and the supply chain management system related to the receivable receivable electronically recorded as the electronic record receivable An asset management unit for associating the logistics information and the commercial flow information, and managing as asset management information together with information on movables held by the borrower;
Apply for the record of occurrence of the electronically recorded receivables for the receivables receivable against the record ledger held by the electronic claim recording organization and the acquisition and update records of the electronically recorded receivables electronically recorded in the record ledger. An electronic record application section for recording the history related to the electronic record history information;
A base unit including a connection interface to the electronic bond recording organization and the supply chain management system, and a user interface to the borrower's client terminal;
The electronic record application unit receives a request from the borrower using the client terminal for the trade receivable generated by the borrower, and records the occurrence of the electronic record receivable to the electronic bond recording organization. Making an application and associating the identification information of the electronically recorded receivable electronically recorded in the electronic receivable recording organization with the logistics information and the commercial flow information held in the supply chain management system relating to the receivable An electronic record receivable application system characterized by recording in the asset management information.

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