JP2015141599A - Electronic recording credit management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform discounting of an electronic recording credit after pledge of collateral without an assignation recording request in which a financial institution is an assignee.SOLUTION: An electronic recording credit management system comprises the steps for: receiving a discounting request to a first electronic recording credit; and adding a second electronic recording credit data record about a second electronic recording credit corresponding to the first electronic recording credit to an electronic recording credit data storage unit, in which creditor information of the second electronic recording credit data record is information for specifying a financial institution, and debtor information of the second electronic recording credit data record is information for specifying the creditor, credit money amount information and payment date information of the second electronic recording credit data record are the same with credit money amount information and payment date information of the first electronic recording credit data record, and the second electronic credit data record includes a record number of the first electronic recording credit.

Description

  The present invention relates to an electronic record receivable management system and an electronic record receivable management method. In particular, the present invention relates to an electronic record receivable management system and an electronic record receivable management method capable of discounting electronic record receivables without making a request for transfer records with a financial institution as the assignee.

  In June 2007, the Electronic Record Loan Act was enacted and promulgated, and was enforced in December 2008. Electronically recorded receivables are subject to the validity requirements for the generation and transfer of receivables by electronically recording them in a record ledger of an electronic receivables recording organization. Electronic record receivables, instead of conventional paper bills, are managed by a computer-certified electronic receivables record organization that manages the names of creditors and debtors, payment amounts, and due dates on a computer. It can be transferred and cashed. This not only promotes transaction security and liquidity of receivables, but also simplifies management operations through paperless bills.

  Electronically recorded receivables manage information on a computer compared to conventional paper bills, so you can avoid risks such as loss or theft associated with paper bills and convert the receivables before the settlement deadline. Therefore, the effect of smoothing the cash flow of companies is also expected. In addition, since the electronically recorded receivable can be divided and transferred in addition to the transaction at the face value, it is possible to flexibly deal with such as dividing only the necessary amount and cashing it at an early stage.

  The Electronic Record Claims Act presupposes that multiple electronic bond recording institutions will be established from the viewpoint of ensuring user convenience. There are two main types of electronic bond recording institutions: electronic bond recording institutions established by so-called megabanks and electronic bond recording institutions established by national bank associations. The latter provides all bank participation services (hereinafter “Densai Net” (registered trademark)) and is only available through the contact of each financial institution (hereinafter “transaction financial institution”). .

  Creditors or debtors who use electronically recorded receivables (hereinafter referred to as “users”) are required to set up their payment account information for each branch of the specified financial institution (the payment account information includes financial institution code, branch code, It is necessary to register an account that has an account type code and an account number. When an account is registered (if the registered account does not have a creditor use special provision), the user designates settlement account information through a system provided by the transaction financial institution (hereinafter referred to as “bank system”), and electronically Requests for the occurrence of recorded claims can be made. When an accrual record request is made, the banking system creates an accrual record request data file having a format common to all financial institutions and sends it to a system provided by the electronic bond recording institution (hereinafter referred to as “electronic bond recording institution system”). To do. In response to the receipt of the request data file, the electronic bond recording institution system adds the corresponding record ledger record to the electronic record receivable database of the electronic bond recording institution system, thereby generating the electronic record receivable become. The settlement account is account information held for each account, and the electronic record receivable is managed in association with the settlement account. A plurality of settlement accounts can be held in one account, and a plurality of electronic record receivables can be generated for one settlement account.

  By the way, creditors of electronically recorded receivables cannot obtain cash unless the due date of the receivable arrives, but may require cash before the due date. In such a case, the creditor obtains the cash before the due date by transferring the electronically recorded receivable of due date to the financial institution, and the financial institution purchases the received receivable and pays the cash. can do. Since cash is collected before the due date, the interest rate (annual rate) up to the due date of the electronically recorded receivable is paid as a discount. Such a mechanism is called “discount of electronically recorded receivables”.

JP 2012-108619 A

  In the case of discounting the above-mentioned electronic record receivables, the creditor must make a transfer record request with the financial institution as the assignee to the electronic receivables record institution (perform the assignment record to the electronic receivables record institution) Is the requirement for the transfer to take effect). For this reason, the creditor name of the transferred electronic record receivable becomes a financial institution and is recorded on the record book of the electronic receivable record institution (see FIG. 2).

  The contents of the electronic ledger record institution's record book can be confirmed by requesting disclosure through the transaction financial institution. Therefore, discount the electronic record receivable and request disclosure of the contents of the record of the electronic record receivable transferred from the creditor to the financial institution because the debtor or guarantor of the receivable is an interested party. Can do. In such a situation, the debtor or guarantor can grasp that the credit for the debt he owns is used for credit (the financial institution is the creditor). However, the use of credit for electronically recorded receivables is hindered.

  In order to solve the above situation, when discounting electronic record receivables, the transfer account of the assignee of the electronic record receivable can be designated as the discount settlement account owned by the creditor and the transfer record request can be made Possible (see FIG. 3). According to this method, when discounting electronically recorded receivables, the name of the creditor does not change on the record book of the electronic receivables recording institution, so the obligor or guarantor can use the electronically recorded receivables for credit. It is possible to prevent grasping. In addition, the transfer account specified for the discount account held by the creditor shall be requested for the settlement account of the electronic record receivable, and the financial institution shall set the pledge and manage the electronic record receivable However, there is no formal transfer to a financial institution, but in effect it can be regarded as having been transferred to a financial institution, and as a result, the use of credit for electronic record receivables as described above Is possible.

  However, if the pledge of electronic record receivables is set by the method described above, the financial institution has not received the transfer of electronic record receivables, and therefore cannot purchase the electronic record receivables. Electronic record receivables cannot be discounted.

  In Patent Document 1, in the discount operation of electronic record receivables, the user of electronic record receivables saves the description of the discount application form presented when applying for a discount at the sales office of a financial institution and reduces description mistakes. A discount application creation support system and a discount application creation support method are disclosed. However, the invention described in Patent Document 1 does not prevent the debtor or guarantor from grasping the fact of the transfer when the electronic record receivable is transferred to a financial institution as described above. Absent.

  The present invention has been made in view of such problems, and after setting a pledge without making a transfer record request with the financial institution as the transferee to the electronic bond recording institution, An object of the present invention is to provide an electronic record receivable management system and an electronic record receivable management method capable of making a new loan having the same effect as a discount on receivables.

  More specifically, the present invention makes a transfer record request to an electronic bond recording organization by designating the transferee's settlement account as a discount settlement account owned by the creditor itself, After setting the rights, request a new electronic record claim for the occurrence of a new electronic record claim with the creditor as the financial institution, the debtor as the discount client, and the amount and due date of the claim as the pledged electronic record claim. (See FIG. 4), a financial institution becomes a creditor of an electronic record receivable, and an electronic record receivable management system and an electronic record receivable management method capable of making a new loan having the same effect as a discount on an electronic record receivable The purpose is to provide.

  In order to solve the above problems, an electronic record receivable management system according to the present invention is a computer system for discounting an electronic record receivable, and the first electronic record receivable data for the first electronic record receivable An electronic record receivable data storage unit storing electronic record receivable information including a record, wherein the first electronic record receivable data record is an account for identifying a special settlement account possessed by a creditor of the first electronic record receivable An electronic record bond data storage unit including information and information indicating that the first electronic record bond is set as a pledge, and a discount request reception unit for receiving a discount request for the first electronic record bond; An electronic record bond that retrieves the first electronic record bond data record from the electronic record bond data storage unit based on the record number included in the received discount request A data search unit, and an electronic record receivable data adding unit for adding a second electronic record receivable data record for the second electronic record receivable corresponding to the first electronic record receivable to the electronic record receivable data storing unit The creditor information in the second electronic record credit data record is information for identifying a financial institution, and the debtor information in the second electronic record credit data record is information for identifying the creditor. Yes, the amount information and payment date information of the second electronic record receivable data record are the same as the amount information and payment date information of the first electronic record receivable data record, and the second electronic record receivable information The data record includes an electronic record bond data adding unit including a record number of the first electronic record bond.

  According to the electronic record receivable management system according to the present invention, when setting the pledge of an electronic record receivable, the obligor or guarantor does not change the name of the creditor on the record book of the electronic claim record organization. It is possible to prevent the electronic record receivable from being recognized as being used for credit. In addition, for the corresponding electronic record receivable, a transfer record request is made by designating the settlement account for discount possessed by the creditor (discount client) as the settlement account of the transferee. Since the institution sets and manages the pledge, it is formally not accompanied by transfer to a financial institution, but it can be regarded as having been effectively transferred to a financial institution. In addition, electronically recorded receivables with the same amount and payment date as the transferred electronic receivables are recorded (debtors are discount clients and creditors are financial institutions), and discount clients are issued from financial institutions. By receiving purchase cash for the electronically recorded receivable, it is possible to effectively discount after setting the pledge by the above-described method, and it becomes possible to use the electronically recorded receivable for credit.

It is a block diagram which shows the example of a structure of the whole electronic recording bond management system which concerns on one Embodiment of this invention. It is a figure which shows the transfer relationship of the electronic record receivable at the time of performing discount of the current electronic record receivable. It is a figure which shows the transfer relationship of the electronic record receivable at the time of performing discount of an electronic record receivable by the electronic record receivable management system which concerns on one Embodiment of this invention. It is a figure which shows the generation | occurrence | production / assignment relationship of the electronic record receivable at the time of discounting the electronic record receivable set by the pledge by the electronic record receivable management system according to one embodiment of the present invention. It is a flowchart which shows a series of processes which the electronic record loan management system which concerns on one Embodiment of this invention performs. It is a figure which shows the example of the account management data storage part 141 which concerns on one Embodiment of this invention. It is a figure which shows the example of the electronic record bond data storage part 142 which concerns on one Embodiment of this invention. It is a figure which shows the example of the credit management data storage part 143 which concerns on one Embodiment of this invention. It is a flowchart which shows the process of the remittance settlement between accounts which the electronic record loan management system which concerns on one Embodiment of this invention performs.

  Hereinafter, an electronically recorded bond management system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

  FIG. 1 is a diagram showing an example of the configuration of the entire electronically recorded bond management system according to the present invention. In FIG. 1, an electronic record receivable management apparatus 101 is connected to an electronic bond record institution system 103 via a network 102 such as a dedicated line. The electronic record bond management apparatus 101 is connected to a client computer 105 via a network 104 such as the Internet.

  The electronic record receivable management apparatus 101 is a main computing device that provides a service of the electronic record receivable management system according to the present invention. When there is a request for discount of the electronic record receivable from the user, the electronic record receivable management device 101 creates a transfer record request data file having a format common to all financial institutions, and stores the transfer record request data file as an electronic claim record Processing such as transmission to the engine system 103 is performed. The electronic record bond management device 101 may be implemented alone, or may be implemented by a server or host of a bank system that provides bank billing services that exist in the past.

  The electronically recorded bond management apparatus 101 includes a network I / F 110, a control unit 120, a main storage unit 130, and an auxiliary storage unit 140, and these elements are connected via a system bus.

  The network I / F 110 transmits and receives data to and from the electronic bond recording institution system 103 and the client computer 105 connected via the networks 102 and 104, respectively.

  The control unit 120, also called a central processing unit (CPU), controls the above-described components and performs data calculations, and reads various programs stored in the auxiliary storage unit 140 to the main storage unit 130 and executes them. To do. The main storage unit 130 is also called a main memory, and stores input data received by the electronically recorded bond management apparatus 101, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 140 is a storage device typified by a hard disk (HDD) and stores database tables such as an account management data storage unit 141 and an electronic record bond data storage unit 142. The auxiliary storage unit 140 also stores a program (not shown) for causing the control unit 120 to execute various processes according to the present invention.

  The electronic bond recording institution system 103 is a system for recording generation, transfer, etc. of an electronic record loan provided by the electronic bond record organization, and includes an electronic record bond database 150 for storing a record book for each electronic record bond. . When receiving the transfer record request data file from the electronic record bond management apparatus 101, the electronic bond record organization system 103 executes processing such as updating the corresponding record ledger record in the electronic record bond database 150.

  The client computer 105 is a computer terminal for inputting a request for a service provided by the electronically recorded bond management system according to the present invention. The person in charge of the transaction financial institution that has received a request for discount of the electronic record receivable from the user inputs predetermined information from the client computer 105. The input information is transmitted to the electronically recorded bond management apparatus 101, and processing such as transfer recording is performed.

  The electronic record bond management apparatus 101 described above may be configured by one or a plurality of computing devices. The client computer 105 described above may be an information terminal device such as a personal computer, a workstation, or a PDA having a communication function. A computing device and an information terminal device are computing devices including a central processing unit (CPU), a memory, a storage device, and the like, and are centralized by a CPU processing a computer program stored in the memory or the storage device. It is controlled, and the processing according to the present invention can be executed and its function can be realized. Note that the above-described system configuration is for illustration, and does not limit the system configuration capable of executing the present invention.

  Next, with reference to FIG. 5, a series of processes executed by the electronic record bond management system according to the present invention will be described. In the present embodiment, the following matters are assumed (see FIG. 4). 1) A user is a creditor who has the electronic record receivable 1 for the settlement account 1 he has and the electronic record receivables 2 and 3 for the settlement account 2. 2) The user submits an application for setting a pledge to the electronic record receivable 1 at the window of a transaction financial institution (hereinafter “service providing financial institution”) that provides the electronic record receivable management system according to the present invention, and the electronic It is assumed that a loan application according to the discount for the recorded claim 1 is made at the same time.

<Opening a special settlement account>
The person in charge of the service providing financial institution inputs account opening data from the client computer 105 in response to a discount application from the user. The entered account opening data is transmitted from the client computer 105 to the electronically recorded bond management apparatus 101 via the network 104 (S501). The account opening data is data necessary to open a dedicated account (hereinafter referred to as “special settlement account”) when discounting electronic recorded receivables in handling electronic recorded receivables. The account opening data includes a user number (a number assigned to the user in the electronic bond recording institution system 103), an account different from the settlement account that the user already has in the account on the electronic bond recording institution system 103. Account information (the other account information corresponds to the account information of the special settlement account), but is not limited to such items.

  The network I / F 110 of the electronic record receivable management apparatus 101 receives the account opening data transmitted in S501, and the control unit 120 makes a user's request to the electronic bond recording institution system 103 based on the account opening data. Make a payment account registration request to an existing account. Upon receiving the request, the electronic bond recording institution system 103 performs processing for registering a settlement account in the account. Since the settlement account registration process is the same as the process currently performed, detailed description in this specification is omitted. Further, the control unit 120 adds a record to the account management data storage unit 141 (S502). Here, the account management data storage unit 141 will be described with reference to FIG.

  The account management data storage unit 141 is a database table that stores account information that is designated as a settlement account for electronically recorded receivables and that exists in a service providing financial institution. The records 1 and 2 correspond to the existing settlement accounts 1 and 2 described above, respectively. The account management data storage unit 141 includes items “user number”, “financial institution code”, “branch code”, “account type code”, “account holder”, “account number” (these items are received as described above). The account opening data value is set and the account number is automatically assigned by the system), and a “discount flag” is provided. In the electronic bond recording institution system 103, since the settlement account to be registered is handled without distinction for discounting or the like, the item “discount flag” in the account management data storage unit 141 is set to “1: Valid” and opened. It is determined whether the account to be processed is a special settlement account. In this way, in the account management data storage unit 141, by managing the settlement account designated as the transfer destination of the electronic record receivable at the time of discounting only to the special settlement account, normal occurrence record and transfer record For example, it is possible to prevent a special settlement account from being designated as a settlement account, and to prevent occurrence of irrelevant electronic record claims that designate the account as a settlement account (for example, an account) If there is a request for an occurrence record request specifying a settlement account in which “1: valid” is set in the “discount flag” in the management data storage unit 141, such a request is rejected). Note that the processing of S501 and S502 described above is processing that is not executed when the user has already opened a special settlement account. In this case, the processing is started from processing of S503.

<Pledge setting for electronically recorded receivables>
Next, the person in charge of the service providing financial institution inputs discount application data of the corresponding electronic record receivable related to the discount application from the client computer 105. The input discount application data is transmitted to the electronically recorded bond management apparatus 101 (S503). The discount application data is data necessary for setting the pledge for the electronically recorded bond 1. The discount application data includes at least the record number of the target electronic record receivable and the account information of the special settlement account designated as the settlement account, but is not limited to this item.

  Next, when the network I / F 110 of the electronically recorded bond management apparatus 101 receives the discount application data transmitted in S503, the control unit 120 uses the transfer account of the transferee as a special user (discount client) name. A transfer record request data file is created as a settlement account (no change in creditor name), and the network I / F 110 transmits the transfer record request data file to the electronic bond recording institution system 103 (S504). The transfer record request data file is a data file for making a transfer record request to the electronic bond recording institution system 103 and has a common format for all financial institutions. When receiving the transfer record request data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 (S505), creates a transfer record result data file, and records the electronic record bond It transmits to the management apparatus 101 (S506). In this process, the transfer record is recorded in the electronic bond recording organization (the transfer is effective), and the special settlement account is designated and recorded in the creditor settlement account of the electronic record loan 1 on the record book. Note that the processing from S504 to S506 is the same as the processing for making an existing transfer record request, and thus detailed description thereof will be omitted.

  Next, the control unit 120 of the electronic record receivable management apparatus 101 applies the corresponding record in the electronic record receivable data storage unit 142 based on the record number included in the discount application data (or the transfer record result data file transmitted in S506). The record is updated (S507). Here, the electronically recorded bond data storage unit 142 will be described with reference to FIG.

  The electronically recorded bond data storage unit 142 is a database table that stores electronically recorded bond information in which the account of the service providing financial institution is a settlement account in the record book on the electronic bond recording institution system 103. The electronic record receivable data storage unit 142 includes the items “record number” (the electronic record receivable is identified by the value of this item), “credit amount”, “payment date”, “creditor user number”, “debtor”. "User number", "settlement account information", "pledge right setting flag" and "parent record number". In the electronic bond recording institution system 103, since the pledge setting cannot be recorded for the electronic record receivable that has been generated and recorded, the item “pledge setting flag” of the electronic record bond data storage unit 142 is set to “1: Valid”. It is possible to determine whether or not the relevant electronic record receivable has been pledged by the service providing financial institution. As described above, at present, when discounting electronic record receivables, it is assumed that the corresponding electronic record receivables are transferred to a financial institution. Under this premise, without changing the creditor name, a financial institution to which another credit account (special settlement account) of the same creditor should be designated and transferred as a transferee and to receive the transfer (service providing finance in this embodiment) The institution can set and manage pledges on the electronic record receivables to prevent free transactions of electronic record receivables subject to discount application (for example, “pledge rights in the electronic record receivable data storage unit 142”). If there is a transfer related to the inter-account remittance payment for the electronic record receivable in which “1: valid” is set in the “setting flag”, such a transfer is made an error). The item “Parent User Number” is a record of the occurrence of a new electronic record receivable corresponding to the electronic record receivable set for pledge for discounts (the debtor is the user (discount client), and the creditor is the financial institution). When doing so, it is used to specify the electronic record receivables that have been pledged for discounting, and will be described in detail later.

  FIG. 7A shows the electronically recorded bond data storage unit 142 before the update processing in S504. The records 1, 2 and 3 correspond to the existing electronic record claims 1, 2 and 3, respectively. On the other hand, FIG. 7B shows the electronically recorded bond data storage unit 142 after the update process. In the present embodiment, since the user has applied for the pledge setting for discount on the electronically recorded receivable 1, No. 1 in FIG. 1 record is updated (“the account information of the special settlement account is set in the settlement account information, and“ 1: valid ”is set in the pledge right setting flag).

<Execute electronic record receivable discount>
Next, a process for discounting the electronic record receivable 1 for which the pledge is set by the above-described method will be described. The person in charge of the service providing financial institution inputs discount execution data from the client computer 105. The input discount execution data is transmitted to the electronically recorded bond management apparatus 101 (S508). The discount execution data is data necessary for applying for a loan equivalent to a discount for the electronic record receivable 1, and includes at least the record number of the electronic record receivable to be discounted, but is not limited to this item.

  The network I / F 110 of the electronically recorded bond management apparatus 101 receives the discount execution data transmitted in S508, and the control unit 120 performs the electronically recorded bond data storage unit 142 based on the record number included in the discount execution data. Is referred to (S509). In this embodiment, since the value of the record number of the electronic record bond 1 is set as the record number, No. in FIG. One record is referenced.

  Next, the control unit 120 refers to the value of the item “pledge right setting flag” included in the record of the referenced electronic record bond data storage unit 142 to determine whether or not the record is pledged. (S510). If pledges are set, the control unit 120 electronically records the credit account for the creditor, the debtor for the user (discount client), the settlement account held by the financial institution, the amount of the claim, and the due date. 1 is generated, and the network I / F 110 transmits the generated record request data file to the electronic bond recording institution system 103 (S511). The occurrence record request data file is a data file for making an occurrence record request to the electronic bond recording institution system 103, and has a common format for all financial institutions. Upon receipt of the generated record request data file, the electronic bond recording institution system 103 adds a new electronic record bond record original record to the electronic record bond database 150 (S512), creates an generated record result data file, and records the electronic record bond It transmits to the management apparatus 101 (S513). In this process, the occurrence is recorded at the electronic bond recording organization, and the electronic record bond 1 ′ (see FIG. 4) is recorded on the record original book. Note that the processing from S511 to S513 is the same as the processing for making an existing record request, and thus detailed description thereof will be omitted. If it is determined in S510 that the corresponding record does not exist, the discount application is not a discount application for the electronic record receivable set with the pledge, and the process is terminated.

  Next, the control unit 120 adds a new record to the electronically recorded bond data storage unit 142 (S514). This new record is an electronic record receivable data record corresponding to the electronic record receivable 1 ′, and the item “record number” includes a record number (in S513) assigned to the electronic record receivable 1 ′ in the electronic receivable recording institution system 103. The value of the incident record result data sent is set, and the "creditor user number" and "debtor user number" are the user number and user (discount) allocated to the financial institution, respectively. The user number assigned to the client) is set, the settlement account information held by the financial institution is set in the “settlement account information”, and the value of the record number of the electronic record receivable 1 is set in the “parent record number”. This is set (record No. 4 in FIG. 7C). The “creditor user number” and “obligor user number” may be other information that can identify the creditor and the debtor.

  Next, based on the record number and settlement account information included in the discount execution data, the control unit 120 transfers the purchase funds of the electronic record receivable 1 ′ to the designated account of the discount client (credit execution), and uses the information as information. Based on this, a record is added to the credit management data storage unit 143 (S515). Here, the credit management data storage unit 143 will be described with reference to FIG.

  The credit management data storage unit 143 is a database table that stores the set credit (discount) amounts for the electronic record receivables whose pledges are set in the electronic record receivable data storage unit 142 described above. The credit management data storage unit 143 stores the item “record number” (identified by the value of this item) and “parent record number” (set in S514) for each electronic record receivable for which pledge is set for discount. Record number), “credit amount”, “credit (discount) amount”, “payment date”, and “settlement account information”, and each time a discount is executed, a record is added. .

  In this way, by setting and managing the value of the record number of the electronic record loan 1 as the parent record number of the electronic record bond 1 ′, the electronic record bond 1 ′ can be associated with the electronic record bond 1. In addition, the financial institution generates credits that are the same as the electronically recorded receivable 1 with the creditor as the creditor and the user as the debtor, whereby the financial institution can execute credit to the user. As described above, a new electronic record receivable 1 ′ having the same amount as the electronic record receivable and the due date of the electronic record receivable 1 that has been pledged by the financial institution and having the financial institution as the creditor. By generating and managing the electronic record receivable 1 'in association with the electronic record receivable 1, it is possible to lend in accordance with the discount using the electronic record receivable that has been pledged without being transferred to a financial institution become.

<Execute remittance between accounts>
Next, processing when the due date of the electronic record receivable 1 and the electronic record receivable 1 ′ has been received and the debtor of the electronic record receivable 1 has been paid will be described with reference to FIG. Payment of electronically recorded receivables is done by inter-account remittance payment, that is, when the due date is reached, it is automatically withdrawn from the obligor's settlement account, and the creditor's settlement account (the special settlement account updated in S504 in FIG. 5). A transfer is made. Since these processes are the same as the current processes, a detailed description thereof will be omitted.

  When the control unit 120 of the electronic record receivable management apparatus 101 confirms that the inter-account remittance settlement of the electronic record receivable 1 for which the pledge is set (transfer to the special settlement account), (S901) The remittance settlement between accounts relating to the electronic record receivable 1 'in which the electronic record receivable 1 is the parent record number is performed with the transfer amount, and the credit amount is collected. When this collection is performed, the credit management data storage unit 143 updates the corresponding record to reduce the credit (discount) amount (S902).

  When the credit (discount) becomes zero in the reduction of the credit (discount) amount in S902, the electronic record receivable data storage unit 142 stores the electronic record receivable based on the record number and the parent record number of the corresponding electronic record receivable. 1 record (No. 1 and No. 4 records in FIG. 6C are deleted (S903). Electronically recorded receivables disappear when the full payment by the main obligor is completed. However, the present invention is not limited to such a configuration. For example, a payment flag item is provided, the item is updated to “1: paid”, and the item “pledge right setting flag” is set. "May be updated to blank.

  Next, the control unit 120 of the electronic record receivable management device 101 creates an inter-account remittance settlement report data file as a transaction financial institution of the debtor of the electronic record receivable 1 ′, and the network I / F 110 reports the inter-account remittance settlement report. The data file is transmitted to the electronic bond recording institution system 103 (S904). The inter-account remittance settlement report data file is a data file for performing inter-account remittance settlement reports to the electronic bond recording institution system 103, and has a common format for all banks. Upon receipt of the inter-account remittance settlement report data file, the electronic receivable recording institution system 103 updates the corresponding electronic record receivable record original record from the electronic record receivable database 150 (if the credit is collected, the inter-account remittance settlement completed, If not, payment is not possible) (S905). In this process, when an electronic remittance record organization receives a report indicating that the inter-account remittance has been completed, payment is automatically recorded after 3 bank business days of the due date, and the electronic record receivable 1 'on the record book disappears. . Note that the processing of S904 and S905 is the same as the processing for performing the existing inter-account remittance settlement report, and thus detailed description thereof will be omitted. In addition, for the electronically recorded receivable 1, since the recorded debtor's service providing financial institution performs inter-account remittance settlement transfer and inter-account remittance settlement report, detailed description in this specification is omitted. .

  As described above, the description of the electronic record receivable management system according to the present invention has been described in detail. However, the account management data storage unit 141, the electronic record receivable data storage unit 142, the credit management data storage unit 143, etc., described in the embodiment. The specific data structure is merely an example, and changes may be made without departing from the claimed subject matter.

Claims (6)

A method performed by a computing device for discounting electronic record receivables, comprising:
The computing device includes an electronic record bond data storage unit storing electronic record bond information,
The electronic record loan data storage unit includes a first electronic record bond data record for a first electronic record bond, and the first electronic record bond data record is stored by a creditor of the first electronic record bond Including account information for identifying a special settlement account having, and information indicating that the first electronic record receivable is pledged,
The method
Receiving a discount request for the first electronically recorded bond;
Adding a second electronic record claim data record for a second electronic record claim corresponding to the first electronic record claim to the electronic record claim data storage unit, wherein the second electronic record claim The creditor information in the data record is information for identifying a financial institution, and the debtor information in the second electronic record credit data record is information for identifying the creditor, and the second electronic record credit data The credit amount information and payment date information of the record are the same as the credit amount information and payment date information of the first electronic record bond data record, and the second electronic record bond data record is the first electronic record A method comprising the steps of: including a record number of a bond. Based on the record number included in the received discount request, further comprising the step of retrieving the first electronic record bond data record from the electronic record bond data storage unit,
The method of claim 1, wherein the step of adding the second electronically recorded bond data record is performed if the first electronically recorded bond data record exists. A computer system for discounting electronic record receivables,
An electronic record receivable data storage unit storing electronic record receivable information including a first electronic record receivable data record for a first electronic record receivable, wherein the first electronic record receivable data record includes the first electronic record receivable data record An electronic record receivable data storage unit, including account information for identifying a special settlement account held by a creditor of the electronic record receivable, and information indicating that the first electronic record receivable is set as a pledge
A discount request receiving unit for receiving a discount request for the first electronic record bond;
Based on a record number included in the received discount request, an electronic record receivable data search unit that retrieves the first electronic record receivable data record from the electronic record receivable data storage unit;
An electronic record bond data addition unit for adding a second electronic record bond data record for a second electronic record bond corresponding to the first electronic record bond to the electronic record bond data storage unit, The creditor information of the second electronically recorded bond data record is information identifying a financial institution, the debtor information of the second electronically recorded bond data record is information identifying the creditor, and the second The amount information and payment date information of the electronic record receivable data record are the same as the amount information and payment date information of the first electronic record receivable data record, and the second electronic record receivable data record is A computer system comprising: an electronic record receivable data adding unit including a record number of the first electronic record receivable.   A program for causing a computer to execute the method according to claim 1.   A computer-readable storage medium storing the program according to claim 4.   A computer comprising a processor and a memory, wherein the memory stores a program for causing the processor to execute the method according to claim 1 or 2.

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