JP2011159225A - Credit transaction system and method of the same - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a new credit transaction system which makes credit transaction active by remarkably improving the flexibility of the timing of the debt collection of a seller and the timing of the debt payment of a buyer. <P>SOLUTION: The credit transaction system includes a credit company server, a seller side customer terminal and a buyer side customer terminal which can communicate with each other through a network, the credit company server has a customer credit information database which stores account information regarding deposit assets including cash from a customer and a credit line and the like, a transaction information database which stores a transaction amount and a settlement scheduled date and the like, a means for determining whether or not transaction can be performed with respect to transaction application including the customer identification information of the seller, the transaction amount and the scheduled settlement date from the buyer side customer terminal, a means for calculating and transmitting a discounted guarantee charge to be charged to the seller in response to a discounted guarantee charge calculation request including transaction identification information and a scheduled date of payment to a seller from the seller side customer terminal, and a means for calculating and transmitting an additional guarantee charge to be charged to the buyer. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a credit transaction system and method for conducting a commercial transaction based on credit given by a credit company.

  Conventionally, credit transactions that allow payment to be made before the due date of payment are not conventionally performed at the time of delivery of goods, and various services related to credit transactions exist.

  In the credit card service, when a credit card company sets a predetermined usage limit for a member after a predetermined examination, the member can freely purchase goods at the card member store within the usage limit. The credit card company takes the payment to the member store instead of receiving a certain guarantee fee from the member store for each business transaction, so the member does not have to pay for the goods until the settlement date of each month. When the bank account of the member is insufficient on the settlement date, the credit card company prompts the member to pay the price and charges a predetermined interest according to the number of days from the settlement date. If it is overdue for a long time, the transaction will be suspended.

  In the case of a loan by a financial institution such as a bank, a consumer or a consumer of funds such as a company can receive a loan from the financial institution after undergoing a certain examination. Loans may be made on the condition that collateral is set on assets such as real estate and securities. Individuals or companies can use the borrowed money for the latest business operating funds and equipment purchase costs, and repayment can be deferred on the date agreed in the contract with the financial institution. A financial institution can receive interest set according to the creditworthiness and repayment period of a capital consumer.

  In bill discounts, the system differs depending on whether the discounter is a bank or a bill discount agent. If the discounter is a bank, a discount fee is set according to the creditworthiness of the discount client and the number of days until the maturity date, but if the discounter is a bill discounter, the creditworthiness of the bill maker and Discounts are set according to the number of days until maturity. In either case, there is an advantage that the discount client can immediately cash. However, banks have a special repurchase agreement in Article 6 of the Banking Agreement used when discounting bills. According to the provisions of this agreement, if the credit quality of the discount client deteriorates, the discount client is obligated to repurchase the discount bill even if it is before the maturity date or the bill payment is uncertain. Occurs.

  In the case of credit guarantee, instead of receiving a certain guarantee fee, the credit guarantee company guarantees the client's receivables such as accounts receivable, and even if the debtor becomes unable to pay, the client can receive payment. The guarantee company sets the guarantee fee according to the creditworthiness of the debtor.

  In the purchase of receivables, the receivable purchaser purchases receivables such as the client's accounts receivable instead of receiving a certain guarantee fee, so the creditor can avoid uncollected risks. The debt purchase company sets a guarantee fee according to the creditworthiness of the debtor.

  In recent years, with the development of computer network technology, many business models have been proposed for the purpose of facilitating and activating such credit transactions.

  In Japanese Patent Application Laid-Open No. 2007-52486 (Patent Document 1), in a commercial transaction mainly using a credit card, the amount of money exceeding the credit limit granted to the purchaser by utilizing assets held by the purchaser of the product or service. Has proposed an information processing device that enables the purchase of products and services.

  Japanese Patent Application Laid-Open No. 2002-7703 (Patent Document 2) accepts applications of an unspecified number of customers who wish to use financial products (leases, loans, installment sales, guarantees, etc.) with credit using the Internet. In addition to automatically assigning customer ratings, pricing of financial products desired by customers, and granting credit to these applications, the results can be instantly answered to the customer using the Internet. A trading system is described.

JP 2007-52486 A Japanese Patent Laid-Open No. 2002-7703

  The business models that have been proposed so far use computer networks to increase the efficiency of bank loan operations and credit card company credit operations, but do not deviate from existing credit transactions. Absent. For this reason, the degree of freedom in the timing of debt collection and repayment is not increased, and there is a limit to activating commercial transactions.

  Accordingly, an object of the present invention is to provide a new credit transaction system that activates commercial transactions by greatly increasing the degree of freedom of seller's debt collection timing and buyer's debt payment timing.

  The present inventor conducted intensive research to solve the above-mentioned problems, and in each of the loan business by the bank and the bill discount business, the credit business by the credit card company, the guarantee business by the credit guarantee company, and the purchase business by the credit purchase company It has been found that an innovative credit transaction system that can solve the above-mentioned problems can be constructed by fusing partially implemented systems.

  In the credit transaction system according to the present invention, the credit company plays the role of a substantial bill discounter, secured and unsecured lender with respect to claims and liabilities arising from credit transactions between traders with accounts at the credit company. Thus, it is a system that can greatly increase the degree of freedom in the timing of seller's debt collection and buyer's debt payment.

  A basic conceptual diagram of credit transaction by this system is shown in FIG. When a seller sells an item to a buyer, according to the present system, the credit company pays the item to the seller on the seller's desired date on behalf of the buyer who is the debtor. At this time, the credit company charges the seller a predetermined discount guarantee fee (here, 3% of the product price) set according to the buyer's creditworthiness. On the other hand, the buyer pays 100% of the product price until the scheduled settlement date (here, 3 months), and if the scheduled settlement date is exceeded, the buyer will receive a predetermined additional guarantee fee set according to the buyer's creditworthiness. Pay the amount in addition to the price. The scheduled settlement date is a date that can be freely set by the seller and the buyer within the scope of the credit line set by the credit company.

Accordingly, the present invention in one aspect,
Including a credit company server, a buyer-side customer terminal, and a seller-side customer terminal that can communicate with each other through a network,
1) Credit company server
・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database;
・ Customer identification information of buyer, customer identification information of seller, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction status, transaction establishment date, none Transaction information database that stores transaction information including collateral frame usage, secured frame usage, settlement status, additional guarantee fee and excess interest in association with transaction identification information so as to be searchable;
-In response to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal as a search condition, customer credit information that matches the search condition in the search request is obtained from the customer credit information database. Means for transmitting the information to the buyer side customer terminal in a displayable form;
-The buyer's secured credit line, unsecured credit line, and credit account stored in the customer credit information database for the transaction application including the customer identification information, transaction amount and scheduled settlement date from the buyer's customer terminal Means for determining whether the transaction is possible from a comparison between the remaining credit line calculated based on the balance and the transaction amount, and transmitting the transaction availability to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Means for storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-In response to a search request for unacknowledged transactions including seller's customer identification information from the seller's customer terminal as a search condition, transactions that are in the waiting state for the seller's approval matching the seller's customer identification information from the transaction information database Means for extracting and transmitting together with the transaction identification information, the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date in a form that can be displayed to the seller side customer terminal;
-In response to a discount guarantee fee calculation request including transaction identification information from the seller's customer terminal and the scheduled payment date to the seller, regarding the scheduled payment date to the seller and the buyer stored in the customer credit information database Guarantee rate information by transaction period for unsecured frames and guarantee rate information by transaction period for secured frames, scheduled settlement date stored in the transaction information database, unsecured frame usage, and secured frame usage A discount guarantee fee to be charged to the seller based on the above and a means for transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
・ In response to transaction acceptance including transaction identification information from the customer terminal on the seller's side, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database and associated with the transaction identification information The buyer side stores the credit line date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction is completed, in the transaction information database, together with the fact that the transaction is not settled. Updating the buyer's credit account balance in the customer credit information database based on the customer identification information and the transaction amount;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Means to periodically calculate excess interest and store them in the transaction information database and update the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Means for updating the collateral setting status of the customer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value of the seller's custody assets in the customer credit information database and the secured credit facility by adding to the value and secured credit facility;
・ In response to an unsettled transaction search request that includes the buyer's customer identification information from the buyer's customer terminal as a search condition, additional guarantee fees and excesses for unsettled transactions that match the buyer's customer identification information from the transaction information database Means for transmitting transaction information including interest in association with the transaction identification information in a form that can be displayed to the buyer-side customer terminal; and in response to a settlement request including transaction identification information from the buyer-side customer terminal For transactions that match the information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount is calculated based on the cash assets from the buyer, the collateral value, the secured credit line, and the credit account balance. By deducting, the account information and collateral value of the customer's custody assets in the customer credit information database and the collateral Update the trust frame and the credit account balance, it means for storing the effect is already settled in connection with the transaction identification information in the transaction information database;
With
2) Buyer side customer terminal
-A means for inputting a search request for buyer's customer credit information and sending it to the credit company server;
-Means for receiving customer credit information transmitted from the credit company server and displaying it on the screen;
A means for inputting a transaction application including the customer identification information of the seller, a transaction amount and a scheduled settlement date, and transmitting the transaction application to the credit company server; and a means for receiving the transaction propriety transmitted from the credit company server and displaying it on the screen;
-Means for inputting an unsettled transaction search request including customer identification information of the buyer as a search condition and transmitting it to the credit company server;
-Means to receive and display on the screen transaction information including additional guarantee fees and excess interest for each unsettled transaction sent from the credit company server;
-Means for inputting a settlement request including transaction identification information and transmitting it to the credit company server;
With
3) The customer terminal on the seller side
A means for inputting an unsolicited transaction search request including the seller's customer identification information as a search condition and sending it to the credit company server;
-Means for receiving transaction information sent from the credit company server and displaying it on the screen;
-A means for inputting a discount guarantee fee calculation request together with transaction identification information and a desired payment date (equivalent to the scheduled payment date to the seller), and sending it to the credit company server;
A means for receiving a discount guarantee applied for each transaction transmitted from the credit company server and displaying it on the screen; and a means for inputting a transaction acceptance including the transaction identification information and transmitting it to the credit company server;
With
It is a credit transaction system.

In another aspect of the present invention,
・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database;
・ Customer identification information of buyer, customer identification information of seller, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction status, transaction establishment date, none Transaction information database that stores transaction information including collateral frame usage, secured frame usage, settlement status, additional guarantee fee and excess interest in association with transaction identification information so as to be searchable;
-In response to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal as a search condition, customer credit information that matches the search condition in the search request is obtained from the customer credit information database. Means for transmitting the information to the buyer side customer terminal in a displayable form;
-The buyer's secured credit line, unsecured credit line, and credit account stored in the customer credit information database for the transaction application including the customer identification information, transaction amount and scheduled settlement date from the buyer's customer terminal Means for determining whether the transaction is possible from a comparison between the remaining credit line calculated based on the balance and the transaction amount, and transmitting the transaction availability to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Means for storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-In response to a search request for unacknowledged transactions including seller's customer identification information from the seller's customer terminal as a search condition, transactions that are in the waiting state for the seller's approval matching the seller's customer identification information from the transaction information database Means for extracting and transmitting together with the transaction identification information, the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date in a form that can be displayed to the seller side customer terminal;
-In response to a discount guarantee fee calculation request including transaction identification information from the seller's customer terminal and the scheduled payment date to the seller, regarding the scheduled payment date to the seller and the buyer stored in the customer credit information database Guarantee rate information by transaction period for unsecured frames and guarantee rate information by transaction period for secured frames, scheduled settlement date stored in the transaction information database, unsecured frame usage, and secured frame usage A discount guarantee fee to be charged to the seller based on the above and a means for transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
・ In response to transaction acceptance including transaction identification information from the customer terminal on the seller's side, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database and associated with the transaction identification information The buyer side stores the credit line date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction is completed, in the transaction information database, together with the fact that the transaction is not settled. Updating the buyer's credit account balance in the customer credit information database based on the customer identification information and the transaction amount;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Means to periodically calculate excess interest and store them in the transaction information database and update the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Means for updating the collateral setting status of the customer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value of the seller's custody assets in the customer credit information database and the secured credit facility by adding to the value and secured credit facility;
・ In response to an unsettled transaction search request that includes the buyer's customer identification information from the buyer's customer terminal as a search condition, additional guarantee fees and excesses for unsettled transactions that match the buyer's customer identification information from the transaction information database Means for transmitting transaction information including interest in association with the transaction identification information in a form that can be displayed to the buyer-side customer terminal; and in response to a settlement request including transaction identification information from the buyer-side customer terminal For transactions that match the information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount is calculated based on the cash assets from the buyer, the collateral value, the secured credit line, and the credit account balance. By deducting, the account information and collateral value of the customer's custody assets in the customer credit information database and the collateral Update the trust frame and the credit account balance, it means for storing the effect is already settled in connection with the transaction identification information in the transaction information database;
It is a server equipped with.

In another aspect of the present invention,
・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database; and buyer's customer identification information, seller's customer identification information, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction Associate transaction information including status, transaction date, unsecured credit usage, secured credit usage, settlement status, additional guarantee fee and excess interest with transaction identification information Search can store the transaction information database;
On the server,
The server
-Responding to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal entered through the network as a search condition, a customer that matches the search condition in the search request from the customer credit information database Obtaining credit information and transmitting the information to the buyer side customer terminal in a displayable form;
-Buyer's secured credit line stored in customer credit information database, unsecured for transaction application including customer identification information, transaction amount and scheduled settlement date from buyer's customer terminal entered through network Determining whether the transaction is possible based on a comparison between the remaining credit line calculated based on the credit line and the credit account balance and the transaction amount, and transmitting the transaction possibility to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-Responding to a search request for unsolicited transactions including the seller's customer identification information from the seller's customer terminal input through the network as a search condition, waiting for the seller's approval matching the seller's customer identification information from the transaction information database Extracting a transaction in a state and transmitting the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date together with the transaction identification information in a form that can be displayed to the seller-side customer terminal;
-In response to a discount guarantee fee calculation request including the transaction identification information from the seller's customer terminal entered through the network and the planned payment date to the seller, the planned payment date to the seller and stored in the customer credit information database Guarantee rate information by transaction period for unsecured quotas for purchased buyers and guarantee rate information by transaction period for collateralized frames, scheduled settlement date stored in the transaction information database, unsecured frame usage amount and Calculating a discount guarantee fee to be charged to the seller based on the use amount of the collateral frame, and transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
-In response to a transaction acceptance including transaction identification information from the seller's customer terminal entered through the network, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database, The credit line due date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction was completed are stored in the transaction information database together with the transaction identification information, and stored in the transaction information database. Updating the buyer's credit account balance in the customer credit information database based on the buyer's customer identification information and transaction amount being made;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Calculating excess interest on a regular basis, storing them in the transaction information database, and updating the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Updating the collateral setting status of the buyer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value for the seller's assets in the customer credit information database and the secured credit limit by adding to the value and the secured credit limit;
In response to an unsettled transaction search request including the customer identification information of the buyer from the buyer's customer terminal input through the network as a search condition, for an unsettled transaction matching the buyer's customer identification information from the transaction information database, Transmitting transaction information including additional guarantee fees and excess interest in association with the transaction identification information in a form that can be displayed to the buyer customer terminal; and transaction identification information from the buyer customer terminal input through the network; In response to a settlement request that includes transactions with transaction identification information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount, and the amount of assets in custody from the buyer, the collateral value, Customer credit information database by deducting from secured credit line and credit account balance Updates and account information and collateral value for the buyer of the assets under management of the internal, the collateralized lines of credit and credit account balance, to save that is already settled in connection with the transaction identification information in the transaction information database step;
Is a method for credit transactions using a network including performing.

In another aspect of the present invention,
・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database; and buyer's customer identification information, seller's customer identification information, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction Associate transaction information including status, transaction date, unsecured credit usage, secured credit usage, settlement status, additional guarantee fee and excess interest with transaction identification information Search can store the transaction information database;
Sending a search field to the customer terminal to enter search criteria for
-Responding to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal entered through the network as a search condition, a customer that matches the search condition in the search request from the customer credit information database Obtaining credit information and transmitting the information to the buyer side customer terminal in a displayable form;
-Buyer's secured credit line stored in customer credit information database, unsecured for transaction application including customer identification information, transaction amount and scheduled settlement date from buyer's customer terminal entered through network Determining whether the transaction is possible based on a comparison between the remaining credit line calculated based on the credit line and the credit account balance and the transaction amount, and transmitting the transaction possibility to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-Responding to a search request for unsolicited transactions including the seller's customer identification information from the seller's customer terminal input through the network as a search condition, waiting for the seller's approval matching the seller's customer identification information from the transaction information database Extracting a transaction in a state and transmitting the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date together with the transaction identification information in a form that can be displayed to the seller-side customer terminal;
-In response to a discount guarantee fee calculation request including the transaction identification information from the seller's customer terminal entered through the network and the planned payment date to the seller, the planned payment date to the seller and stored in the customer credit information database Guarantee rate information by transaction period for unsecured quotas for purchased buyers and guarantee rate information by transaction period for collateralized frames, scheduled settlement date stored in the transaction information database, unsecured frame usage amount and Calculating a discount guarantee fee to be charged to the seller based on the use amount of the collateral frame, and transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
-In response to a transaction acceptance including transaction identification information from the seller's customer terminal entered through the network, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database, The credit line due date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction was completed are stored in the transaction information database together with the transaction identification information, and stored in the transaction information database. Updating the buyer's credit account balance in the customer credit information database based on the buyer's customer identification information and transaction amount being made;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Calculating excess interest on a regular basis, storing them in the transaction information database, and updating the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Updating the collateral setting status of the buyer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value for the seller's assets in the customer credit information database and the secured credit limit by adding to the value and the secured credit limit;
In response to an unsettled transaction search request including the customer identification information of the buyer from the buyer's customer terminal input through the network as a search condition, for an unsettled transaction matching the buyer's customer identification information from the transaction information database, Transmitting transaction information including additional guarantee fees and excess interest in association with the transaction identification information in a form that can be displayed to the buyer customer terminal; and transaction identification information from the buyer customer terminal input through the network; In response to a settlement request that includes transactions with transaction identification information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount, and the amount of assets in custody from the buyer, the collateral value, Customer credit information database by deducting from secured credit line and credit account balance Updates and account information and collateral value for the buyer of the assets under management of the internal, the collateralized lines of credit and credit account balance, to save that is already settled in connection with the transaction identification information in the transaction information database step;
Is a program for causing a computer to execute.

  In still another aspect, the present invention provides a computer-readable recording medium on which the program is recorded.

According to the credit transaction system of the present invention, there is a high degree of freedom in the timing of seller's debt collection and buyer's debt repayment timing. Specifically, as a seller, it is possible to immediately cash the receivables, or wait for the cash settlement until the scheduled settlement date for the purpose of increasing the collection rate. Moreover, since even if a discount guarantee fee according to the creditworthiness of the buyer is paid, the collection of the receivable can be made reliably, so that it is possible to safely conduct transactions with a low-credit-worthy counterpart that has been difficult in the past.
If the buyer pays an additional guarantee fee, the debt does not need to be repaid by the scheduled settlement date, which increases the flexibility of the financial plan. Even if creditworthiness is low, it is possible to trade with counterparties that could not be traded as long as collateral is inserted.
Also, within the credit line set by the credit company, the scheduled settlement date can be freely set by agreement with the seller, which is also highly convenient in this respect.
As a credit company, by allowing customers to conduct transactions freely within the limits of the credit line, a bill discount service is offered to the seller until the scheduled settlement date, and the buyer when the buyer does not settle by the scheduled settlement date. A collateral lending (financing) service can be automatically provided for
Thus, activation of commercial transactions can be expected by using the credit transaction system of the present invention.

The basic concept figure of the credit transaction by this system is shown. The example of the whole structure of the credit transaction system which concerns on this invention is shown. The example of the functional block diagram of the credit company server which concerns on this invention is shown. An example of a customer credit information database is shown (a state immediately before a customer having a customer ID 0001 performs a credit transaction). An example of a customer credit information database is shown (a state immediately before a customer having a customer ID 0001 performs a credit transaction). An example of a customer credit information database is shown (a state immediately after a customer having a customer ID 0001 performs a credit transaction). An example of a customer credit information database is shown (a state immediately after a customer having a customer ID 0001 performs a credit transaction). An example of a transaction information database is shown (a state immediately after a credit transaction in which customer ID 0001 is 1 million yen with customer ID 0002). It is a conceptual diagram showing a series of flows from transaction establishment to settlement. The flow of the procedure for setting the guarantee rate by credit frame and transaction period, the image of the credit frame, and the image of the guarantee rate by transaction period are shown. It is explanatory drawing of the relationship of a customer's deposit assets, collateral value, a credit line, and a credit account. It is a flowchart which shows the flow of a process of the step in which a buyer applies a transaction with a credit company. The example of a screen of the customer credit information (asset information) transmitted from the credit company server is shown. The example of a screen of the customer credit information (guaranteed rate according to transaction period of an unsecured frame) transmitted from the credit company server is shown. The example of the screen of the page in which a buyer inputs the details of dealings is shown. It is a flowchart which shows the flow of a process until a transaction is settled in response to a seller's consent and a price is paid to a seller. It is an example of a screen displaying a discount guarantee fee charged to the seller. It is a flowchart which shows the flow of the process for a buyer to confirm the success or failure of a transaction. It is a flowchart which shows the flow of a process after confirming the additional guarantee fee which a buyer should pay, and performing a payment. It is an example of a screen of an unsettled transaction list transmitted from a credit company server.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments of a credit transaction system according to the present invention will be described in detail with reference to the drawings, but the present invention is not limited to these embodiments.

<1. Definition of terms>
The server means a server computer and can be configured by cooperation of one or a plurality of computers. The customer terminal can be realized by a personal computer equipped with a browser, but is not limited thereto, and is a portable terminal such as a mobile phone, a mobile and a PDA, or a device or apparatus capable of communication via a computer network such as a digital TV Can be configured. The basic hardware configuration of the server and the customer terminal is common, for example, a CPU (Central Processing Unit), a program executed by the CPU, a RAM (Random Access Memory) for temporarily or continuously storing programs and data. ) Etc., a memory, a port, a recording medium reader, an input device, an output device, and an external storage device such as a hard disk drive.

  Credit companies include banks, securities companies, credit card companies, loan guarantee companies, bond purchasers, special purpose companies and general companies, custody assets, past payment history, income and asset status (in the case of individuals), companies All companies that can provide credit based on business performance (in the case of corporations) are included.

  Credit company customers include individuals and legal entities. Customers who use this credit transaction system both have accounts for transactions in the same credit company.

  Assets under custody include assets such as cash, securities and real estate deposited by customers by credit companies.

  The credit account is an account that manages the debt that the buyer side customer bears to the credit company when the credit company customer makes a credit transaction with this system, and the credit account balance is the credit company to each customer The credit limit set by the customer cannot be exceeded.

  Guarantee rate information by transaction period is information on the guarantee rate for each transaction period, which is determined by the credit company in consideration of the creditworthiness of customers, the level of interest rates in the market (TIBOR, etc.), the transaction fee rate, etc. Set for each secured frame. In the guarantee rate information for each transaction period, the relationship between the transaction period and the guarantee rate may be stored in the form of a table, or may be stored as a mathematical expression representing the relationship between the transaction period and the guarantee rate. The guarantee rate information for each transaction period is information that serves as a basis for calculating discount guarantee fees charged to sellers and additional guarantee fees charged to buyers determined in each transaction.

  The scheduled settlement date is a scheduled date on which a customer on a buyer side pays a credit company for a certain transaction, and can be freely set by agreement between the buyer and the seller. The buyer will be obligated to the credit company by 100% of the face value of the transaction amount until the scheduled settlement date, but the buyer does not necessarily have to settle by the scheduled settlement date, but the number of days beyond the scheduled settlement date. If the additional guarantee fee equivalent to is paid, the buyer can freely decide the timing of settlement. However, the scheduled settlement date cannot exceed the credit line date.

  The credit line is the longest period of credit set by the credit company for the customer, and is the period from the date when the transaction is established until the buyer can repay the debt without any penalty. The credit line due date is the last day in the credit line. For example, if the credit line is two years and the transaction establishment date is January 1, 2010, the credit line date is January 1, 2012. If the buyer does not repay the debt by the credit line due date, the buyer will be obliged to pay the specified excess interest to the credit company depending on the number of days overdue.

  The customer identification information is information for specifying each customer, and includes an identification number (ID), a name or name, an address, a telephone number, a fax number, an e-mail address, and the like.

  The transaction identification information is information for specifying each transaction, and is generally composed of numbers and symbols.

  The status of the transaction includes a message indicating that the seller is waiting for consent, a message indicating that the transaction has been completed, and a message indicating that the transaction has not been completed.

  A search request is a command from the customer terminal that causes the server to search for specific information, and is entered by pressing the search button displayed on the screen of the customer terminal, as well as pressing the login button or the browser update button. May also be input. When the login button or the browser update button also serves as a search request, the server transmits information that can be transmitted in a batch.

<2. System configuration>
FIG. 2 shows an overall configuration according to an embodiment of a credit transaction system according to the present invention. As shown in FIG. 2, this system includes a credit company server 11, a seller-side customer terminal 12, and a buyer-side customer terminal 13, and the seller-side customer terminal 12 and the buyer-side customer terminal 13 are connected to the Internet and a dedicated line. The server 11 is connected to the server 11 through a computer network 14 such as a public network.

  The credit company server 11 includes a CPU (Central Processing Unit), a program executed by the CPU, a memory such as a RAM (Random Access Memory) for temporarily or continuously storing programs and data, a port, a recording medium reader, The functional blocks shown in FIG. 3 are configured by an input device, an output device, and a storage device such as a hard disk drive. The functional blocks include a customer credit information database (DB) 301, a transaction information database (DB) 302, a form data storage unit 303, an authentication processing unit 311, a credit information search unit 312, a transaction availability determination unit 313, a transaction information generation unit 314, The transaction information search unit 315, discount guarantee fee calculation unit 316, transaction acceptance reception unit 317, additional guarantee fee calculation unit 318, collateral setting update unit 319, price payment unit 320, and settlement processing unit 321 are configured.

  The customer credit information database 301 is a database of credit information of customers who have an account with a credit company. The customer credit information database 301 includes account information, collateral value, collateral insertion order, and collateral setting status for custody assets including cash from the customer, collateral credit frame, unsecured credit frame, secured unsecured frame Customer credit information, including customer order information, credit account balance, guarantee period information for unsecured slots, guarantee period information for secured slots, and credit line It is stored so that it can be searched in association with. The account information of assets under custody includes the market value of each asset that the credit company has entrusted with customers. The customer credit information database 301 may store customer ratings and remaining credit lines.

  Examples of the customer credit information database 301 are shown in FIGS. 4 and 5 show the state immediately before the customer having the customer ID 0001 performs a credit transaction, and FIGS. 6 and 7 show the state immediately after the customer has made a 1 million yen credit transaction. Yes. 4 and 6, it can be seen that the credit account balance, which was 0 yen before the credit transaction, has changed to 1,000,000 yen after the credit transaction. As shown in FIGS. 5 and 7, the collateral setting situation has also changed before and after the transaction. Some of the assets that were “unlocked”, that is, not secured by collateral before the credit transaction, changed to “locked”, that is, secured by collateral after the credit transaction, depending on the transaction amount I understand.

  This change will be described in detail. As shown in FIG. 4, the customer is given a credit limit of 1,600,000 yen, of which the unsecured credit limit is 200,000 yen and the secured credit limit is 1,400,000 yen. In the secured and unsecured credit lines, the unsecured credit line is preferentially used. The order of insertion of secured frames is set as shown in FIG. Here, when a 1,000,000 yen credit transaction is performed, an unsecured credit frame of 200,000 yen is preferentially used, and then 800,000 yen of the secured credit frame is used. At this time, until the total collateral value reaches 800,000 yen, the collateral is set in the custody asset according to the order of insertion within the collateralized frame and is in the “lock” state. As shown in FIG. 6, 1,000,000 yen is recorded as a credit account balance.

  The transaction information database 302 is a database of information relating to each transaction, and includes customer identification information of the buyer, customer identification information of the seller, transaction amount, scheduled payment date to the seller, discount guarantee fee charged to the seller, schedule Associate transaction information with transaction identification information, including settlement date, credit line date, transaction status, transaction completion date, unsecured credit usage, secured credit usage, settlement status, additional guarantee fee and excess interest And is stored so that it can be searched. The transaction information database 302 may store transaction contents in association with transaction identification information. Further, it may be stored in association with the transaction identification information whether the payment from the buyer side has been paid before the credit provision line or whether there has been a penalty (occurrence of excess interest) beyond the credit provision line. A penalty can be determined by the excess interest amount exceeding zero. The presence / absence of a penalty and the number of occurrences may be stored in the customer credit information database 301 in association with the customer identification information of the buyer.

  An example of the transaction information database 302 is shown in FIG. FIG. 8 shows a state immediately after the customer ID 0001 performs a credit transaction with the customer ID 0002 of 1 million yen. The existence of a transaction establishment date may indicate that the transaction has been established. “Waiting for acceptance” is stored when the customer ID 0002 is the seller, and “transaction not established” is stored when the transaction is rejected.

  The form data storage unit 303 is a storage unit that stores various form data on the website. The form data storage unit 303 stores HTML data of Web sites such as an account opening application, a transaction application form, a transaction acceptance form, and an unsettled transaction history inquiry form.

  The authentication processing unit 311 authenticates customer identification information and a password based on an access request from the customer terminal (12, 13). In this process, the authentication processing unit 311 refers to the customer credit information database 301 and determines whether or not the input customer identification information and password match the data stored in the customer credit information database 301. To do. If the entered customer identification information and password match the stored data, the screen data of the page dedicated to the trader is transmitted. If they do not match, an error message is sent.

  The credit information search unit 312 is a customer who matches the search condition in the search request from the customer credit information database 301 based on the search request for the customer credit information including the customer identification information from the customer terminal (12, 13) as the search condition. Credit information is acquired, and the information is transmitted to the customer terminal in a displayable form. For example, a search request is executed by pressing a search button of predetermined customer credit information (for example, all own account information and all own customer credit information) displayed on the screen of the transaction-dedicated page on the customer terminal side. Can do. In addition, it is assumed that the access request is regarded as a search request for all of the customer credit information, and all the customer credit information for the customer whose ID matches is transmitted together when transmitting the screen data of the page dedicated to the trader. Can be.

  The transaction permission / inhibition determination unit 313 is a secured credit frame stored in the buyer's customer credit information database 301 for a transaction application including the customer identification information of the seller, the transaction amount, and the scheduled settlement date from the buyer-side customer terminal 13. Then, whether or not the transaction is possible is determined by comparing the remaining credit line calculated based on the unsecured credit line and the credit account balance and the transaction amount, and the transaction possibility is displayed and transmitted to the buyer side customer terminal. Further, whether or not the scheduled settlement date is within the credit line can be added to the criteria for determining whether or not the transaction is possible. For example, the transaction availability determination unit 313 calculates the credit line due date based on the credit line provided to the buyer on the assumption that the application date is the transaction establishment date, and compares this with the scheduled settlement date. .

  The transaction information generation unit 314 generates new transaction identification information when the transaction possibility determination unit 313 determines that the transaction is possible. The transaction information generation unit 314 generates a transaction amount and a non-secured transaction related to the buyer stored in the customer credit information database. Based on the order of use of collateral, secured credit, unsecured credit and credit account balance, the amount of unsecured and secured credit applied to the transaction is calculated, and the buyer's customer Transactions including identification information, seller's customer identification information, transaction amount, scheduled settlement date, unsecured frame usage and secured frame usage are associated with the transaction identification information and the transaction is pending Save to the information database.

  In response to the transaction information search request from the customer terminal (12, 13), the transaction information search unit 315 receives transaction information matching the search conditions in the search request from the transaction information database 301 (eg, customer identification information of the buyer). , Seller's customer identification information, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line due date, transaction status, transaction completion date, unsecured credit usage, Acquisition amount of secured space, settlement status, additional guarantee fee and excess interest), and transmits the information to the buyer side customer terminal in a displayable form.

  For example, based on a search request for an unsolicited transaction including the seller's customer identification information from the seller-side customer terminal 12 as a search condition, the transaction information database 301 is waiting for the seller's approval that matches the seller's customer identification information. The transaction information can be extracted, and the transaction information including the customer identification information of the buyer, the transaction amount, and the scheduled settlement date can be transmitted to the seller side customer terminal together with the transaction identification information in a form that can be displayed. Further, based on a transaction information search request including transaction identification information from the buyer-side customer terminal 13 as a search condition, transaction information that matches the transaction identification information is extracted from the transaction information database 301, and whether or not a transaction has been established for the transaction. , You can check the status of payment. Further, in response to an unsettled transaction search request including the customer identification information of the buyer from the buyer's customer terminal 13 as a search condition, an additional guarantee fee is paid for an unsettled transaction that matches the buyer's customer identification information from the transaction information database. And transaction information including excess interest can be transmitted in a form that can be displayed to the customer terminal on the buyer side in association with the transaction identification information.

  The discount guarantee fee calculation unit 316 responds to the discount guarantee fee calculation request including the transaction identification information from the seller-side customer terminal 12 and the scheduled payment date to the seller, and the payment date to the seller and customer credit information. Transaction rate guarantee rate information for unsecured slots for buyers stored in database 301 and transaction rate guarantee rate information for secured slots, and transaction information database 302 stored in association with the transaction identification information The discount guarantee fee to be charged to the seller is calculated based on the scheduled settlement date, the unsecured credit usage amount and the secured credit card usage amount, and the calculated discount guarantee fee is displayed on the seller side customer terminal 12 Send in a possible form. The calculated discount guarantee fee can be stored in the temporary storage memory in association with the transaction identification information and the scheduled payment date to the seller as required.

  An example of a more specific procedure for calculating the discount guarantee fee will be described with reference to FIG.

  When receiving the discount guarantee fee calculation request, the discount guarantee fee calculation unit 316 obtains the current date and time by referring to the clock built in the credit company server 11, and establishes the transaction on the day when the discount guarantee fee calculation request is made. Assuming a day, determine the payment date after a grace period of several days from that date. The grace period is a period set in advance in consideration of the cash flow of the credit company itself, and usually 2-3 days are set. The grace period may be 0 days.

The discount guarantee fee calculation unit 316 calculates the number of days a from the payment possible date to the date of payment to the seller based on the payment date and the scheduled payment date to the seller.
The guarantee rate R'a for the number of days a for the unsecured frame is calculated from the guarantee period information for the unsecured frame and the number of days a, and the guaranteed rate information for the secured period by the transaction period and the number of days Calculate the guarantee rate R ″ a for the number of days a for each, and calculate the usage ratios (s and t) of the unsecured and secured frames calculated from the unsecured and used amounts If a weighted average of both guarantee rates is calculated in this way, the value becomes the guarantee rate Ra for the number of days a applied to the transaction.

  Further, the number of days d from the payable date to the scheduled settlement date is calculated based on the payable date and the scheduled settlement date. Similarly, a guarantee rate Rd for the number of days d applied to the transaction is calculated.

この時、売り手が受け取る代金Ｙ（円）は、取引金額Ｘ（円）を用いて、次式のように表される。

したがって、（割引保証料）＝Ｘ−Ｙと算出される。 The discount guarantee rate Rb for the number of days b (= da) from the payment date to the seller to the scheduled settlement date is calculated as follows.

At this time, the price Y (yen) received by the seller is expressed by the following equation using the transaction amount X (yen).

Therefore, (discount guarantee fee) = XY is calculated.

  In response to the transaction approval including the transaction identification information from the seller-side customer terminal, the transaction approval receiving unit 317 calculates the credit line due date based on the credit line related to the buyer stored in the customer credit information database 301. In connection with the transaction identification information, the credit line date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the transaction establishment date are stored in the transaction information database together with the fact that the transaction is not settled. The buyer's credit account balance in the customer credit information database 301 is updated based on the buyer side customer identification information and transaction amount stored in 302.

  An example of the specific procedure for calculating the credit line due date is as follows. The transaction acceptance receiving unit 317 obtains the current date and time by referring to the clock built in the credit company server 11, and adds the credit line related to the buyer stored in the customer credit information database 301 to the current date and time. The credit line due date is calculated.

  The additional guarantee fee calculation unit 318 has a transaction amount, a transaction establishment date, a scheduled settlement date, a credit line due date, an unsecured frame usage amount, for a transaction stored in the transaction information database 302 as unsettled. Based on the amount of collateral used, the guarantee rate by transaction period for unsecured frames for buyers, and the guarantee rate information by transaction period for collateral, additional guarantee fees if the planned settlement date is exceeded, In addition, the excess interest when the credit line due date is exceeded is periodically calculated, stored in the transaction information database 302, and stored in the customer credit information database 301 based on the calculated additional guarantee fee and excess interest. Update the buyer's credit account balance.

  When the calculated excess interest exceeds 0, the additional guarantee fee calculation unit 318 stores in the customer credit information database 301 that the penalty has occurred in association with the customer identification information. The fact that the penalty has occurred can be stored in the transaction identification information database 302 in association with the transaction identification information separately from the excess interest.

  An example of a more specific procedure for calculating the additional guarantee fee will be described with reference to FIG. 9 again. The additional guarantee fee calculation unit 318 automatically stores a transaction stored in the transaction information database 302 as unsettled every time period set in advance by a timer or batch processing (eg, time determined every day). Extract.

  For each transaction, the additional guarantee fee calculation unit 318 determines a payable date after a preset grace period based on the transaction establishment date.

  The additional guarantee fee calculation unit 318 calculates the number of days d from the payable date to the scheduled settlement date based on the payable date and the scheduled settlement date. Further, based on the payable date and the current date (actual settlement date), the number of days e from the payable date to the current date is calculated. If e ≦ d, the additional guarantee fee is 0. When e> d, the guarantee rate Rd for the number of days d applied to the transaction and the guarantee rate Re for the number of days e are calculated by the same procedure as described in the discount guarantee fee calculation unit 316. Rd calculated here is not necessarily the same as Rd calculated by the discount guarantee fee calculation unit 316. This is because there may be a change in the guarantee rate for each unsecured or secured frame by transaction period due to changes in the credit status of the buyer after the transaction is completed.

The additional guarantee rate Rc corresponding to the number of days c (= ed) from the scheduled settlement date to the actual date is calculated as follows.

したがって、（追加保証料）＝Ｚ−Ｘで表される。この追加保証料はこの日に買い手が決済したときに負担する追加保証料である。 At this time, the price Z (yen) paid by the buyer is expressed by the following equation using the transaction amount X (yen).

Therefore, (additional guarantee fee) = Z−X. This additional guarantee fee is an additional guarantee fee to be borne when the buyer settles on this day.

  Further, if the buyer does not settle by the credit line date, the additional guarantee fee calculation unit 318 automatically adds the amount of the transaction amount added to the transaction amount on the credit line date to the buyer's cash. Withdraw from your asset account. If the cash balance is insufficient, the additional guarantee fee calculation unit 318 uses the specified calculation method set by the credit company (eg 15% annual interest rate) according to the number of days elapsed from the credit line due date. Is calculated.

  The collateral setting update unit 319, when the buyer's credit account balance is updated, the collateral insertion order and collateral setting status, the secured credit frame, the unsecured credit frame for the buyer's custody assets in the customer credit information database And the collateral setting situation about the custody property of the buyer in the customer credit information database is updated based on the use order of the secured unsecured frame and the credit account balance.

  The collateral setting status can be changed, for example, according to the following criteria.

  In setting the use order of secured and unsecured slots, when the secured order is set to the first place in the use order, the difference between the credit account balance minus the collateral value of assets already in collateral is used, and the unsecured slot is used. If the credit card balance exceeds the unsecured credit limit and the collateral value of the assets already in the collateral is generated by a new credit transaction or is set out from the asset account In the event that the balance of the asset account falls below the total collateral value of the deposit assets other than cash when the money is deposited, among the deposit assets that are not collateral, the assets with the highest collateral placement order The total collateral value is automatically inserted into the collateral until the difference or shortage is compensated.

  On the other hand, the collateral is released when the cash in the asset account is transferred to the credit account and the debt is repaid by the credit line (payment of money), and the collateral is used first. If set, the credit account balance is covered by the collateral value of an asset with a higher collateral placement order than that asset, or the unsecured credit limit is set to the first use order, and the credit account balance is unsecured This is a case where the amount exceeding the value is covered by the collateral value of an asset with a higher collateral placement rank than the asset.

  In addition, if payment is not made by credit transfer to the credit account by the credit line, cash will be automatically deducted from the asset account on the credit line date, and at the same time the credit account balance will decrease. As a result, when the order of use of the collateralized slots is set to the first place, the credit account balance is covered by the collateral value of an asset with a higher collateral placement order than that asset, or the unsecured slots are ranked first in the use rank If the credit account balance exceeds the unsecured limit with the collateral value of an asset with a higher collateral placement order than that asset, the asset is released from collateral. If the asset account balance is less than the total collateral value of the deposit assets other than cash due to withdrawal, and a new deposit is made and the asset account balance again exceeds the total collateral value of the deposit assets other than cash However, the collateral is released.

  Based on the transaction information stored in the transaction information database 302, the price payment unit 320 receives from the seller-side customer an amount obtained by subtracting the discount guarantee fee charged to the seller from the transaction amount on the scheduled payment date to the seller. The account information and collateral value of the seller's custody asset in the customer credit information database 301 and the collateral credit frame are updated by adding the cash custody asset, the collateral value, and the secured credit frame.

The settlement processing unit 321 responds to the settlement request including the transaction identification information from the customer terminal on the buyer side, and adds the additional guarantee fee and the excess interest stored in the transaction information database for the transaction that matches the transaction identification information. By subtracting the amount added to the cash deposit from the buyer, the collateral value, the secured credit line, and the credit account balance, the account information and the collateral value of the buyer's deposit asset in the customer credit information database, The secured credit line and the credit account balance are updated, and the fact that payment has been completed is stored in the transaction information database in association with the transaction identification information.
In addition, the date of settlement with reference to the clock is compared with the credit line date, and if it was paid before the credit line date or exceeded the credit line date, the delay period is set as the transaction identification information and It can also be stored in the customer credit information database 301 in association with the customer identification information.
In the case where payment cannot be made because the assets in custody from the buyer are less than the amount obtained by adding the additional guarantee fee and excess interest to the transaction amount, the payment processing unit 321 can display that the balance is insufficient. Sent to buyer's customer terminal.

<3. Credit transaction method>
Next, an embodiment of a credit transaction method using the above-described system will be described.

3-1 Opening an account A customer of a credit company opens a custody asset account and a credit account as a premise for conducting credit transactions using this system. For example, the credit terminal server is accessed through a network from a customer terminal, personal information is input for an individual customer, and corporate information is input for a corporate customer, and an account opening application is made. The credit company server that has accepted the account opening application issues an ID and a password for logging in to the trader-dedicated page to the trader. It is also possible to issue a dedicated card (so-called cash card) for transactions to the customer.

  A customer who has obtained an ID and password (PW) from a credit company logs in to a page for exclusive use of a trader on the website and inputs information necessary for conducting a credit transaction. The information input here includes details of assets deposited as collateral, data on income and asset status (in the case of individuals), data on corporate performance (in the case of corporations), and the like. The customer submits documents necessary for certifying the input information, cash, and other documents necessary for using the system to the credit company by mail or at the store. Cash can be deposited by means such as transferring it to a bank account of a credit company, bringing it to a store, or depositing it through an ATM.

  Credit companies calculate credit lines and guarantee rates by transaction period based on information entered on the website, submitted documents, and cash deposited. Credit lines are calculated for each secured and unsecured credit line, and a guarantee rate for each transaction period is set for each frame. The secured credit limit is equal to the collateral value of the assets under custody, and is calculated by multiplying the market value of the assets under custody by a certain factor (eg, cash 100%, securities 80%, real estate 70%, etc.). On the other hand, the unsecured credit line is set according to the creditworthiness of the trader based on the status of income and assets (in the case of individuals), corporate performance (in the case of corporations), and the like. The guarantee rate for each transaction period is set in consideration of the creditworthiness of the trader, the market interest rate level (TIBOR, etc.), the transaction fee rate, and the like. If there is a past payment history, it can be taken into account. FIG. 10 shows the flow of the procedure for setting the credit frame and the guarantee rate by transaction period, the image of the credit frame, and the image of the guarantee rate by transaction period.

  Based on the above input information and calculation results, the customer credit information database 301 of the credit company server stores the account information and the collateral value of the custody assets including cash from the customer through the data input means by the credit company and the secured credit. Includes credit lines, unsecured credit lines, credit account balance (initial value is 0), guarantee period by transaction period for unsecured slots, guarantee period by transaction period for secured slots, and credit line Customer credit information is stored in a searchable state in association with the customer ID and PW. Data on the status of income and assets (in the case of individuals), data on corporate performance (in the case of corporations), past payment history (whether there are penalties and the number of occurrences, etc.), etc. in the customer credit information database 301 as customer credit information It may be stored.

  In response to the search request for the customer credit information including the customer ID from the customer terminal, the credit company server acquires the customer credit information that matches the search condition in the search request from the customer credit information database 301 and displays the information. A means for transmitting to the customer terminal in a possible form is provided.

  The customer confirms his / her customer credit information in the credit company server on the website dedicated to the trader on the website, and sets the collateral insertion order of the deposit assets and the use order of the secured and unsecured frame. The collateral insertion order setting of deposit assets is to set which deposit assets are preferentially inserted into collateral when a customer of a credit company uses a secured frame as a buyer. The use order setting of the secured / unsecured frame is a setting of which frame is used preferentially.

  Based on the input information here, the customer credit information database 301 of the credit company server further includes the collateral insertion order and the collateral setting status (initial values are all unlocked) for the custody assets from the customer, the secured unsecured frame The customer credit information including the usage order is stored in a searchable state in association with the customer ID and PW.

  In addition, the necessary procedures for starting a transaction will be completed between the credit company and the trader. For example, in this credit transaction system, the deposit assets are automatically put in or released from the collateral depending on the credit account balance and the status of the credit line. It is.

  After the above procedures are completed, the credit company customers can perform credit transactions using this system.

  FIG. 11 is an explanatory diagram of the relationship between customer deposit assets, collateral value, credit limit, and credit account. If the customer's real estate 100, securities 50, and cash 30 are held as assets under custody by the credit company, a certain amount of the value of the assets under custody (here 100% cash, 80% securities, 70% real estate) ), The collateral value of the real estate 70, the securities 40 and the cash 30 is calculated. This total collateral value 140 is equal to the secured credit limit. Furthermore, if the customer is a company, an unsecured credit line is set in consideration of the performance. As a result, the customer is granted a total of 160 credit lines, that is, the secured credit line 140 and the unsecured credit line 20. Thereafter, if the customer performs 100 credit transactions, the credit account balance 100 is recorded, and the remaining credit limit is 60. At this time, if the customer is set to preferentially use the unsecured credit line, since there are only 20 unsecured credit lines, all the remaining credit lines are secured credit lines.

3-2 Procedure of Credit Transaction Next, an embodiment of a method for conducting a credit transaction using the credit transaction system according to the present invention will be described with reference to a flowchart.

  First, referring to FIG. 12, FIG. 12 is a flowchart showing a processing flow at the stage where a buyer applies for a transaction with a credit company. When the buyer inputs a predetermined URL from the customer terminal 13 to access the credit company server 11, inputs the ID and password, and presses the login button (S101), the authentication processing unit 311 of the credit company server 11 With reference to the credit information database 301, it is determined whether or not the input ID and password match the stored data (S102). As a result of the determination, if the input ID and password do not match, the authentication processing unit 311 transmits an error message to the customer terminal 13 (S103). On the other hand, if the entered ID and password match, the screen data of the page for exclusive use of the trader stored in the form data storage unit 303 is transmitted together with the success of the login (S104).

  In order to obtain the credit information of the buyer, the buyer presses the customer credit information inquiry button displayed in the page for exclusive use of the trader (S105). The credit information search unit 312 acquires customer credit information that matches the buyer's ID from the customer credit information database 301 and transmits it to the buyer side customer terminal in a displayable form (S106). FIG.13 and FIG.14 shows the example of the screen of the transmitted customer credit information. In FIG. 13, asset information is displayed, and in FIG. 14, the guarantee rate by transaction period of the unsecured frame is displayed. Based on the credit information of the buyer, the buyer can confirm that a sufficient credit limit remains to perform the credit transaction.

  In the present embodiment, in order to obtain the credit information of the customer, the customer credit information inquiry button displayed in the page for exclusive use of the trader is pushed. The customer credit information matching the buyer's ID may be acquired from the customer credit information database 301 and transmitted to the buyer side customer terminal in a displayable form.

  Next, the buyer moves to a page for inputting transaction details by pressing a transaction application button displayed in the page for exclusive use of the transaction. Therefore, the seller's ID, name, transaction amount, scheduled settlement date and transaction details are input, and the send button is pressed (S107). FIG. 15 is a screen example of a page for inputting details of a transaction.

  Upon receiving the transaction application, the transaction allowance determination unit 313 of the credit company server 11 refers to the buyer's customer credit information stored in the customer credit information database 301 based on the buyer's ID, and provides a secured credit frame and an unsecured credit. Whether or not the transaction is possible is determined from a comparison between the remaining credit line calculated based on the frame and the credit account balance and the transaction amount, and the transaction possibility is displayed and transmitted to the buyer-side customer terminal 13 in a displayable form (S108).

  When it is determined that the transaction is possible by the transaction allowance determining unit 313, the transaction information generating unit 314 generates a new transaction number, and the secured amount and unsecured transaction amount and the buyer stored in the customer credit information database The buyer's customer identification is calculated based on the order of use of the slots, the secured credit limit, the unsecured credit limit, and the credit account balance, and calculates the amount of unsecured credit used and the amount of secured credit applied to the transaction. Transaction information including information, seller's customer identification information, transaction amount, scheduled settlement date, unsecured credit usage and secured credit usage associated with the relevant transaction identification information and transaction information It is stored in the database 302 (S109).

  Reference is now made to FIG. FIG. 16 is a flowchart showing the flow of processing from when a seller's approval is received until a transaction is established and the seller is paid.

  The seller logs in to the transaction-dedicated page from the seller-side customer terminal 12 in the same procedure as the buyer (S201 to S204). When the seller presses the unacknowledged transaction search button displayed in the page for the trader (S205), the transaction information search unit 315 of the credit company server 11 changes the seller information from the transaction information database based on the seller ID. The transaction information in a state of waiting for the agreement of the matching seller is extracted, and the transaction information including the transaction number and the customer credit information of the buyer, the transaction amount and the scheduled settlement date can be displayed on the seller side customer terminal 12 Transmit (S206). Transaction information can be sent in a list format for each transaction number.

  In this embodiment, the unsolicited transaction search button is pressed to search for unsolicited transactions. However, when the login stage or the browser update button is pressed, the transaction information search unit 315 automatically selects the seller. The transaction information in a state of waiting for the seller's approval matching the ID can be extracted, and the transaction information including the buyer's customer credit information, the transaction amount and the scheduled settlement date can be displayed on the seller side customer terminal 12 together with the transaction number. It may be transmitted in the form. An alert can be added to the screen to alert the seller.

  In order to confirm the discount guarantee fee charged by the credit company, the seller enters or selects a transaction number based on the listed transaction information, and inputs the desired payment date (date of payment to the seller) When the discount guarantee fee calculation request button is pressed (S207), the discount guarantee fee calculation unit 316 performs a transaction regarding the scheduled payment date to the seller and the unsecured frame for the buyer stored in the customer credit information database 301. Invoice the seller based on the guarantee rate by period and the guarantee rate by period for the secured frame, the scheduled settlement date stored in the transaction information database, the amount used for the unsecured frame and the amount used for the secured frame The discount guarantee fee to be calculated is calculated, and the calculated discount guarantee fee is transmitted to the seller-side customer terminal 12 in a displayable form (S208) (FIG. 17). The calculated discount guarantee fee, scheduled settlement date, and transaction identification information may be stored in a temporary storage memory of the credit company server 11 so that they can be stored in the transaction information database 302 later. 12 may be transmitted.

  If the seller is satisfied with the transmitted discount guarantee fee, the seller presses a transaction acceptance button (S209). Then, the transaction acceptance receiving unit 317 calculates a credit line due date based on the credit line related to the buyer stored in the customer credit information database, and bills the seller with the credit line due date associated with the transaction identification information. The discount guarantee fee, the scheduled payment date to the seller, and the date when the transaction is completed are stored in the transaction information database 302 together with the fact that the transaction is not settled, and the customer identification information and transaction amount on the buyer side stored in the transaction information database 302 are stored. Based on this, the credit account balance of the buyer in the customer credit information database 301 is updated. Further, along with the update of the buyer's credit account balance, the collateral setting update unit 319 includes the collateral insertion order and the collateral setting status for the custody property of the buyer in the customer credit information database 301, the secured credit frame, Based on the unsecured credit line, the use order of the unsecured unsecured line, and the credit account balance, the collateral setting status of the assets held by the buyer in the customer credit information database 301 is updated (S210).

  If the seller is not satisfied with the transmitted discount guarantee fee and declines the transaction, the seller presses a transaction rejection button (S211). Then, the transaction acceptance receiving unit 317 writes in the transaction information database 302 that the transaction has not been established in association with the transaction number (S212).

  After the transaction is established, the price payment unit 320 of the credit company server 11 calculates the discount guarantee fee to be charged to the seller from the transaction amount on the scheduled payment date to the seller based on the transaction information stored in the transaction information database 302. By adding the deducted amount to the cash assets, collateral value, and secured credit line from the seller's customer, the account information and collateral value of the seller's assets in the customer credit information database 301 and the secured The credit line is updated (S213).

  Reference is now made to FIG. FIG. 18 is a flowchart showing a processing flow for the buyer to confirm success or failure of the transaction.

  When the buyer logs in to the transaction-dedicated page according to the procedure described above (S301 to S304), enters the transaction number that he / she wants to know whether the transaction is successful or not in the transaction number input field displayed in the transaction-dedicated page, and presses the send button (S305), the transaction information search unit 315 charges the transaction information matching the transaction number from the transaction information database 302 (buyer's customer identification information, seller's customer identification information, transaction amount, scheduled payment date to the seller, and the seller). The discount guarantee fee, the scheduled settlement date, the credit line, the success / failure of the transaction, the settlement status, etc.) are acquired and transmitted to the buyer side customer terminal in a displayable form (S306).

  In this embodiment, the buyer actively acquires the transaction information to confirm the success or failure of the transaction. However, the transaction information search unit 315 automatically includes transaction information including the buyer's ID when logging in ( Customer identification information of buyer, customer identification information of seller, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line, success / failure of transaction, settlement status, etc.) Then, it may be transmitted together with the transaction number in a form that can be displayed to the buyer side customer terminal 13.

  Reference is now made to FIG. FIG. 19 is a flowchart showing a processing flow from the confirmation of the additional guarantee fee to be paid by the buyer to the settlement.

  After the transaction is established, the buyer logs in to the transaction-dedicated page according to the procedure described above (S401 to S404), and presses the unsettled transaction inquiry button displayed in the page for the transaction (S405). The information search unit 315 acquires unsettled transaction information including the customer identification information of the buyer from the transaction information database 302, and the additional guarantee fee calculation unit 318 periodically calculates and stores the additional guarantee fee and excess The interest is associated with the transaction identification information and transmitted to the buyer side customer terminal 13 in a displayable form (S406). An example of an unsettled transaction list screen transmitted here is shown in FIG.

  In this embodiment, the buyer actively acquires the transaction information to confirm the unsettled transaction, but the transaction information search unit 315 automatically identifies the buyer's customer from the transaction information database 302 when logging in. The unpaid transaction information including the information is acquired, the additional guarantee fee calculation unit 318 periodically calculates, and the stored additional guarantee fee and the excess interest are associated with the transaction identification information to the buyer customer terminal 13 May be transmitted in a displayable form.

  When the buyer confirms the additional guarantee fee for each unsettled transaction that has been sent and presses the settlement button for the transaction desired to be settled (S407), the settlement processing unit 321 of the credit company server will identify the identified transaction number. By subtracting the amount of additional guarantee fee and excess interest added to the transaction amount for transactions that meet the criteria from the cash assets, collateral value, secured credit line, and credit account balance, the buyer in the customer credit information database The account information and the collateral value, the secured credit line and the credit account balance for the custody asset are updated, and the fact that payment has been completed is stored in the transaction information database in association with the transaction identification information (S408).

  At this time, it may be stored in the customer credit information database 301 in association with the customer identification information depending on whether the date on which the settlement was made is before the credit provision line or exceeds the credit provision line. The database stores, for example, the number of transactions whose settlement date was before the credit line and the number of transactions whose settlement date exceeded the credit line, respectively. be able to.

3-3 Other Functions of Credit Company Server As described above, the embodiment of the credit transaction according to the present invention has been described in detail. However, the present invention is not limited to the embodiment, and various variations are within the scope of the present invention. Can be considered. Examples of other functions that the credit company server 11 can have are shown below.

  The credit company server 11 may have a function of allocating assets held as collateral for repayment of debt after a certain period of time if the buyer does not repay the debt by the credit line date. Specifically, the credit company server 11 extracts from the transaction information database 302 a transaction for which a fixed period has elapsed from the credit line date. Based on the information stored in the customer credit information database 301, the collateral value of the custody asset is added to the collateral insertion order, and the total collateral value reaches the sum of the additional guarantee fee and excess interest added to the transaction amount Until then, it deducts (confiscates) from the deposit assets from the buyer, and updates the account information, collateral value and collateral setting status of the deposit assets in the customer credit information database 301, and the secured credit frame. Then, the amount obtained by adding the additional guarantee fee and the excess interest to the transaction amount is reduced from the credit account balance.

  The credit company server 11 can have means for writing and rewriting credit information in the customer credit information database 301. Thereby, for example, the credit limit and the guarantee rate for each transaction period stored in the customer credit information database 301 can be updated by a credit company at regular intervals or at any time. Specifically, the credit company re-evaluates the collateral value of the customer's custody assets, confirms the status of income and assets (in the case of individuals), the company, based on the customer credit information and other information in the customer credit database 301 Performance evaluations (in the case of corporations) and payment history can be evaluated, and secured and unsecured credit lines, credit lines, and guarantee rates by transaction period can be changed. In particular, if there is a penalty in the payment history information, it may lead to a significant reduction in the credit line and a significant increase in the guarantee rate.

  The credit company server 11 receives the information from another terminal through the network when the customer deposits or lowers the cash deposited in the credit company at an ATM or a shop counter, and the cash in the customer credit information database 301 is received. It is also possible to have means for reflecting the balance of the assets deposited and the secured credit line.

The credit company customer may be able to perform operations related to the following account on the website at any time. The input information is reflected in the customer credit information database after confirmation by the credit company as in the procedure for opening an account.
・ Credit company customers can freely deposit assets such as cash, securities and real estate into asset accounts at any time, and can expand the credit limit.
• Credit company customers can withdraw from their asset accounts, but the limit is the difference between the credit limit and the credit account balance. If you withdraw, the credit limit will be reduced by that amount. As a result, if the balance of the asset account falls below the total collateral value of deposit assets other than cash, the total collateral value of the deposit assets that are not collateral is insufficient in descending order of the collateral placement order. New collateral is put in until the amount is compensated. However, this does not apply if all of the deposit assets are already in collateral. In addition, a guarantee fee calculated from the guarantee rate for each transaction period is charged to the credit company customer for the shortage.

  Credit company customers cannot withdraw assets from their asset accounts that are collateralized. For assets that are not in collateral, they can be withdrawn only if the collateral value is less than the difference between the credit limit and the credit account balance. However, if a certain condition is met, it can be withdrawn from the asset account regardless of whether it is in collateral or not. The certain condition is a condition that the asset is sold at a price that is equal to or greater than the collateral value amount, and the amount of cash that is equal to or greater than the collateral value is deposited in the asset account.

  When a credit company customer becomes a creditor of a credit transaction, cash is transferred from the credit company to the asset account, but it does not necessarily have to be offset against the credit account liability.

11 Server 12 Seller-side customer terminal 13 Buyer-side customer terminal 14 Computer network 301 Customer credit information database (DB)
302 Transaction Information Database (DB)
303 Form data storage unit 311 Authentication processing unit 312 Credit information search unit 313 Transaction admission determination unit 314 Transaction information generation unit 315 Transaction information search unit 316 Discount guarantee fee calculation unit 317 Transaction acceptance reception unit 318 Additional guarantee fee calculation unit 319 Security setting update Part 320 price payment part 321 payment processing part

Claims (5)

Including a credit company server, a buyer-side customer terminal, and a seller-side customer terminal that can communicate with each other through a network,
1) Credit company server
・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database;
・ Customer identification information of buyer, customer identification information of seller, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction status, transaction establishment date, none Transaction information database that stores transaction information including collateral frame usage, secured frame usage, settlement status, additional guarantee fee and excess interest in association with transaction identification information so as to be searchable;
-In response to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal as a search condition, customer credit information that matches the search condition in the search request is obtained from the customer credit information database. Means for transmitting the information to the buyer side customer terminal in a displayable form;
-The buyer's secured credit line, unsecured credit line, and credit account stored in the customer credit information database for the transaction application including the customer identification information, transaction amount and scheduled settlement date from the buyer's customer terminal Means for determining whether the transaction is possible from a comparison between the remaining credit line calculated based on the balance and the transaction amount, and transmitting the transaction availability to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Means for storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-In response to a search request for unacknowledged transactions including seller's customer identification information from the seller's customer terminal as a search condition, transactions that are in the waiting state for the seller's approval matching the seller's customer identification information from the transaction information database Means for extracting and transmitting together with the transaction identification information, the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date in a form that can be displayed to the seller side customer terminal;
-In response to a discount guarantee fee calculation request including transaction identification information from the seller's customer terminal and the scheduled payment date to the seller, regarding the scheduled payment date to the seller and the buyer stored in the customer credit information database Guarantee rate information by transaction period for unsecured frames and guarantee rate information by transaction period for secured frames, scheduled settlement date stored in the transaction information database, unsecured frame usage, and secured frame usage A discount guarantee fee to be charged to the seller based on the above and a means for transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
・ In response to transaction acceptance including transaction identification information from the customer terminal on the seller's side, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database and associated with the transaction identification information The buyer side stores the credit line date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction is completed, in the transaction information database, together with the fact that the transaction is not settled. Updating the buyer's credit account balance in the customer credit information database based on the customer identification information and the transaction amount;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information by transaction period for unsecured lines and the guarantee rate information by transaction period for secured lines, the additional guarantee fee when the planned settlement date is exceeded, and the credit line date is exceeded Means to periodically calculate excess interest in the case, store these in the transaction information database, and update the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Means for updating the collateral setting status of the customer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value of the seller's custody assets in the customer credit information database and the secured credit facility by adding to the value and secured credit facility;
・ In response to an unsettled transaction search request that includes the buyer's customer identification information from the buyer's customer terminal as a search condition, additional guarantee fees and excesses for unsettled transactions that match the buyer's customer identification information from the transaction information database Means for transmitting transaction information including interest in association with the transaction identification information in a form that can be displayed to the buyer-side customer terminal; and in response to a settlement request including transaction identification information from the buyer-side customer terminal For transactions that match the information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount is calculated based on the cash assets from the buyer, the collateral value, the secured credit line, and the credit account balance. By deducting, the account information and collateral value of the customer's custody assets in the customer credit information database and the collateral Update the trust frame and the credit account balance, it means for storing the effect is already settled in connection with the transaction identification information in the transaction information database;
With
2) Buyer side customer terminal
-A means for inputting a search request for buyer's customer credit information and sending it to the credit company server;
-Means for receiving customer credit information transmitted from the credit company server and displaying it on the screen;
A means for inputting a transaction application including the customer identification information of the seller, a transaction amount and a scheduled settlement date, and transmitting the transaction application to the credit company server; and a means for receiving the transaction propriety transmitted from the credit company server and displaying it on the screen;
-Means for inputting an unsettled transaction search request including customer identification information of the buyer as a search condition and transmitting it to the credit company server;
-Means to receive and display on the screen transaction information including additional guarantee fees and excess interest for each unsettled transaction sent from the credit company server;
-Means for inputting a settlement request including transaction identification information and transmitting it to the credit company server;
With
3) The customer terminal on the seller side
A means for inputting an unsolicited transaction search request including the seller's customer identification information as a search condition and sending it to the credit company server;
-Means for receiving transaction information sent from the credit company server and displaying it on the screen;
-A means for inputting a discount guarantee fee calculation request together with transaction identification information and a desired payment date (equivalent to the scheduled payment date to the seller), and sending it to the credit company server;
A means for receiving a discount guarantee applied for each transaction transmitted from the credit company server and displaying it on the screen; and a means for inputting a transaction acceptance including the transaction identification information and transmitting it to the credit company server;
With
Credit trading system. ・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database;
・ Customer identification information of buyer, customer identification information of seller, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction status, transaction establishment date, none Transaction information database that stores transaction information including collateral frame usage, secured frame usage, settlement status, additional guarantee fee and excess interest in association with transaction identification information so as to be searchable;
-In response to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal as a search condition, customer credit information that matches the search condition in the search request is obtained from the customer credit information database. Means for transmitting the information to the buyer side customer terminal in a displayable form;
-The buyer's secured credit line, unsecured credit line, and credit account stored in the customer credit information database for the transaction application including the customer identification information, transaction amount and scheduled settlement date from the buyer's customer terminal Means for determining whether the transaction is possible from a comparison between the remaining credit line calculated based on the balance and the transaction amount, and transmitting the transaction availability to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Means for storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-In response to a search request for unacknowledged transactions including seller's customer identification information from the seller's customer terminal as a search condition, transactions that are in the waiting state for the seller's approval matching the seller's customer identification information from the transaction information database Means for extracting and transmitting together with the transaction identification information, the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date in a form that can be displayed to the seller side customer terminal;
-In response to a discount guarantee fee calculation request including transaction identification information from the seller's customer terminal and the scheduled payment date to the seller, regarding the scheduled payment date to the seller and the buyer stored in the customer credit information database Guarantee rate information by transaction period for unsecured frames and guarantee rate information by transaction period for secured frames, scheduled settlement date stored in the transaction information database, unsecured frame usage, and secured frame usage A discount guarantee fee to be charged to the seller based on the above and a means for transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
・ In response to transaction acceptance including transaction identification information from the customer terminal on the seller's side, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database and associated with the transaction identification information The buyer side stores the credit line date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction is completed, in the transaction information database, together with the fact that the transaction is not settled. Updating the buyer's credit account balance in the customer credit information database based on the customer identification information and the transaction amount;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Means to periodically calculate excess interest and store them in the transaction information database and update the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Means for updating the collateral setting status of the customer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value of the seller's custody assets in the customer credit information database and the secured credit facility by adding to the value and secured credit facility;
・ In response to an unsettled transaction search request that includes the buyer's customer identification information from the buyer's customer terminal as a search condition, additional guarantee fees and excesses for unsettled transactions that match the buyer's customer identification information from the transaction information database Means for transmitting transaction information including interest in association with the transaction identification information in a form that can be displayed to the buyer-side customer terminal; and in response to a settlement request including transaction identification information from the buyer-side customer terminal For transactions that match the information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount is calculated based on the cash assets from the buyer, the collateral value, the secured credit line, and the credit account balance. By deducting, the account information and collateral value of the customer's custody assets in the customer credit information database and the collateral Update the trust frame and the credit account balance, it means for storing the effect is already settled in connection with the transaction identification information in the transaction information database;
A server with ・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database; and buyer's customer identification information, seller's customer identification information, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction Associate transaction information including status, transaction date, unsecured credit usage, secured credit usage, settlement status, additional guarantee fee and excess interest with transaction identification information Search can store the transaction information database;
On the server,
The server
-Responding to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal entered through the network as a search condition, a customer that matches the search condition in the search request from the customer credit information database Obtaining credit information and transmitting the information to the buyer side customer terminal in a displayable form;
-Buyer's secured credit line stored in customer credit information database, unsecured for transaction application including customer identification information, transaction amount and scheduled settlement date from buyer's customer terminal entered through network Determining whether the transaction is possible based on a comparison between the remaining credit line calculated based on the credit line and the credit account balance and the transaction amount, and transmitting the transaction possibility to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-Responding to a search request for unsolicited transactions including the seller's customer identification information from the seller's customer terminal input through the network as a search condition, waiting for the seller's approval matching the seller's customer identification information from the transaction information database Extracting a transaction in a state and transmitting the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date together with the transaction identification information in a form that can be displayed to the seller-side customer terminal;
-In response to a discount guarantee fee calculation request including the transaction identification information from the seller's customer terminal entered through the network and the planned payment date to the seller, the planned payment date to the seller and stored in the customer credit information database Guarantee rate information by transaction period for unsecured quotas for purchased buyers and guarantee rate information by transaction period for collateralized frames, scheduled settlement date stored in the transaction information database, unsecured frame usage amount and Calculating a discount guarantee fee to be charged to the seller based on the use amount of the collateral frame, and transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
-In response to a transaction acceptance including transaction identification information from the seller's customer terminal entered through the network, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database, The credit line due date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction was completed are stored in the transaction information database together with the transaction identification information, and stored in the transaction information database. Updating the buyer's credit account balance in the customer credit information database based on the buyer's customer identification information and transaction amount being made;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Calculating excess interest on a regular basis, storing them in the transaction information database, and updating the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Updating the collateral setting status of the buyer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value for the seller's assets in the customer credit information database and the secured credit limit by adding to the value and the secured credit limit;
In response to an unsettled transaction search request including the customer identification information of the buyer from the buyer's customer terminal input through the network as a search condition, for an unsettled transaction matching the buyer's customer identification information from the transaction information database, Transmitting transaction information including additional guarantee fees and excess interest in association with the transaction identification information in a form that can be displayed to the buyer customer terminal; and transaction identification information from the buyer customer terminal input through the network; In response to a settlement request that includes transactions with transaction identification information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount, and the amount of assets in custody from the buyer, the collateral value, Customer credit information database by deducting from secured credit line and credit account balance Updates and account information and collateral value for the buyer of the assets under management of the internal, the collateralized lines of credit and credit account balance, to save that is already settled in connection with the transaction identification information in the transaction information database step;
A method for credit transactions utilizing a network including performing. ・ Account information, collateral value, collateral insertion order and collateral setting status for assets in custody including cash from customers, secured credit line, unsecured credit line, use order of secured unsecured line and credit account Customer credit information including balance, guarantee rate information for each unsecured frame by transaction period, guarantee rate information for each secured period by transaction period, and credit line is stored in a searchable manner in association with customer identification information. Customer credit information database; and buyer's customer identification information, seller's customer identification information, transaction amount, scheduled payment date to seller, discount guarantee fee charged to seller, scheduled settlement date, credit line date, transaction Associate transaction information including status, transaction date, unsecured credit usage, secured credit usage, settlement status, additional guarantee fee and excess interest with transaction identification information Search can store the transaction information database;
Sending a search field to the customer terminal to enter search criteria for
-Responding to a buyer's customer credit information search request including the buyer's customer identification information from the buyer's customer terminal entered through the network as a search condition, a customer that matches the search condition in the search request from the customer credit information database Obtaining credit information and transmitting the information to the buyer side customer terminal in a displayable form;
-Buyer's secured credit line stored in customer credit information database, unsecured for transaction application including customer identification information, transaction amount and scheduled settlement date from buyer's customer terminal entered through network Determining whether the transaction is possible based on a comparison between the remaining credit line calculated based on the credit line and the credit account balance and the transaction amount, and transmitting the transaction possibility to the buyer-side customer terminal in a displayable form;
・ When it is determined that the above transaction is possible, new transaction identification information is generated, the transaction amount, the order of use of the secured and unsecured credits for the buyer stored in the customer credit information database, the secured credit facility, Based on the unsecured credit line and credit account balance, calculate the amount of unsecured credit used and the amount of secured credit applied to the transaction, and purchase customer identification information, seller customer identification information, transaction amount Storing the transaction information including the scheduled settlement date, the unsecured frame usage amount and the secured frame usage amount in association with the transaction identification information and waiting for the seller's approval in the transaction information database;
-Responding to a search request for unsolicited transactions including the seller's customer identification information from the seller's customer terminal input through the network as a search condition, waiting for the seller's approval matching the seller's customer identification information from the transaction information database Extracting a transaction in a state and transmitting the transaction information including the customer identification information of the buyer, the transaction amount and the scheduled settlement date together with the transaction identification information in a form that can be displayed to the seller-side customer terminal;
-In response to a discount guarantee fee calculation request including the transaction identification information from the seller's customer terminal entered through the network and the planned payment date to the seller, the planned payment date to the seller and stored in the customer credit information database Guarantee rate information by transaction period for unsecured quotas for purchased buyers and guarantee rate information by transaction period for collateralized frames, scheduled settlement date stored in the transaction information database, unsecured frame usage amount and Calculating a discount guarantee fee to be charged to the seller based on the use amount of the collateral frame, and transmitting the calculated discount guarantee fee to the seller-side customer terminal in a displayable form;
-In response to a transaction acceptance including transaction identification information from the seller's customer terminal entered through the network, the credit line due date is calculated based on the credit line related to the buyer stored in the customer credit information database, The credit line due date, the discount guarantee fee charged to the seller, the scheduled payment date to the seller, and the date when the transaction was completed are stored in the transaction information database together with the transaction identification information, and stored in the transaction information database. Updating the buyer's credit account balance in the customer credit information database based on the buyer's customer identification information and transaction amount being made;
・ For transactions that are recorded as unsettled in the transaction information database, the transaction amount, transaction establishment date, scheduled settlement date, credit line date, unsecured credit usage, secured credit usage, buyer Based on the guarantee rate information for each unsecured frame by transaction period and the guarantee rate information for each secured period by transaction period, the additional guarantee fee for exceeding the scheduled settlement date and the credit line date Calculating excess interest on a regular basis, storing them in the transaction information database, and updating the buyer's credit account balance in the customer credit information database based on the calculated additional guarantee fee and excess interest;
・ When the buyer's credit account balance is updated, the collateral placement order and collateral setting status of the customer's custody assets in the customer credit information database, the secured credit facility, the unsecured credit facility, and the secured unsecured Updating the collateral setting status of the buyer's custody assets in the customer credit information database based on the usage order of the slots and the credit account balance;
-Based on the transaction information stored in the transaction information database, on the scheduled payment date to the seller, the amount obtained by deducting the discount guarantee fee charged to the seller from the transaction amount, the cash assets and collateral from the seller customer Updating the account information and collateral value for the seller's assets in the customer credit information database and the secured credit limit by adding to the value and the secured credit limit;
In response to an unsettled transaction search request including the customer identification information of the buyer from the buyer's customer terminal input through the network as a search condition, for an unsettled transaction matching the buyer's customer identification information from the transaction information database, Transmitting transaction information including additional guarantee fees and excess interest in association with the transaction identification information in a form that can be displayed to the buyer customer terminal; and transaction identification information from the buyer customer terminal input through the network; In response to a settlement request that includes transactions with transaction identification information, the amount obtained by adding the additional guarantee fee and excess interest stored in the transaction information database to the transaction amount, and the amount of assets in custody from the buyer, the collateral value, Customer credit information database by deducting from secured credit line and credit account balance Updates and account information and collateral value for the buyer of the assets under management of the internal, the collateralized lines of credit and credit account balance, to save that is already settled in connection with the transaction identification information in the transaction information database step;
A program that causes a computer to execute.   The computer-readable recording medium which recorded the program of Claim 4.

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