JP2015204063A - factoring system and factoring method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a factoring service using a service of "Densai Net."SOLUTION: A factoring system includes: a factoring reception unit 101 that accepts factoring data 121 to generate an electronic recording credit about a receivable credit from a payment company 30; an electronic recording credit processing unit 104 that includes an interface to request "Densai Net" to transmit a generation record and a transfer record of an electronic recording credit; a purchase processing unit 102 that creates purchase instruction data 122 accepting an application of purchase of a receivable credit from a delivery company 40; and a bundle purchase processing unit 103 that creates purchase instruction data 122 by extracting a factoring object due to bundle purchase from electronic recording credits. The electronic recording credit processing unit 104 requests "Densai Net" to transmit a generation record of an electronic recording credit on the basis of factoring data 121, and to transmit a transfer record from the delivery company 40 to a financial institution 10 on the basis of purchase instruction data 122.

Description

  The present invention relates to a technique for using an electronically recorded bond, and more particularly to a technique effective when applied to a factoring system and a factoring method for realizing a factoring service using an electronically recorded bond.

  In recent years, the use of electronically recorded receivables has been rapidly expanding as a means of fund raising and settlement for business operators. Electronically recorded receivables are a new type of monetary receivables created by the Electronically Recorded Receivables Act (Act No. 102 of 2007) to facilitate the financing of business operators. In the following, this is a new monetary claim that differs from existing nominated claims and bills receivables, which require electronic records to be recorded and recorded in the record ledgers.

  As one of the methods of fund procurement and settlement using electronically recorded receivables, implementation of so-called factoring services (buying receivables and collection of receivables) by financial institutions etc. is also being considered. For example, Japanese Patent Application Laid-Open No. 2011-175571 (Patent Document 1) describes that batch factoring is performed using an electronic record bond recorded in a database of an electronic bond recording institution.

  In other words, the detailed data specifying the receivables related to the collective factoring is received from the debtor's terminal. In addition, each of the party codes indicating the creditor and the debtor is generated as a request for a record of the occurrence of a claim from both the creditor and the debtor, with the purchase company of the detailed data as the creditor, the paying company as the debtor Enter in the claimant code of the record. In addition, the details of the party code indicating the claim purchaser and the creditor shall be used as a request for the record of occurrence by a claim from both the assignee and the assignor. Each is listed in the claimant code on the transfer record. In this way, each individual bond included in the detailed data is converted into bond data, and based on this, the occurrence record and transfer record of the electronically recorded bond are simultaneously performed.

JP 2011-175571 A

  The Electronic Record Claims Act presupposes that multiple recording institutions will be established from the viewpoint of ensuring user convenience. The contents of the services provided by each recording organization are freely designed, and the contents of services and data specifications etc. according to the business regulations established by each recording organization within the framework of the Electronic Record Claims Act May vary from one recording agency to another.

  For example, in a service provided by a plurality of recording institutions currently established by so-called megabanks (hereinafter sometimes referred to as “megabank recording institutions”), basically transfer records can be made only through the megabank recording institutions. Possible (closed type), services provided by other recording institutions, for example, services provided by other “megabank recording institutions”, and all-bank participation type (universal type) established by the National Banking Association This is a unique service that is not expected to be linked to services provided by other recording organizations (hereinafter sometimes referred to as “Densai Net (registered trademark)”).

  According to the prior art such as Patent Document 1, it is possible to construct a factoring mechanism using electronically-recorded receivables. However, the factoring service in the closed range within the service by an individual “megabank recording organization” is mainly used. It is specialized for realization, and there are many restrictions on the entities that can use the service and the service content. On the other hand, services provided by all bank-participating recording institutions such as Densai Net are general-purpose services that have already become social infrastructure in terms of the use and distribution of electronically recorded receivables. Since it is a mechanism as an alternative, it cannot be used as an alternative to the factoring service as it is.

  Therefore, an object of the present invention is to provide a factoring system and a factoring method for realizing a factoring service using a service of “Densai Net”.

  The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

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

  A factoring system according to a typical embodiment of the present invention is a factoring system for performing a factoring using an electronic record bond issued by an all-institutional-participation electronic bond recording institution in a financial institution. It is what has.

  That is, the factoring system is configured to receive factoring data, which is information for generating the electronically recorded receivable related to the receivable, from the debtor of the receivable. An electronic record receivable processing unit having an interface for requesting the electronic record receivable occurrence record and transfer record to the electronic receivable record institution, and an application for purchasing the receivable receivable from the financial institution. , Receiving from the creditor of the trade receivable and creating a first purchase instruction data, and extracting the electronic record receivable related to the trade receivable that is subject to collective factoring And a collective purchase processing unit that creates second purchase instruction data.

  The electronic record receivable processing unit bills the electronic receivable recording organization for the occurrence record of the electronic record receivable based on the factoring data, and the first purchase instruction data and the second purchase instruction data Based on the purchase instruction data, the transfer request of the electronically recorded receivable related to the receivable is performed from the creditor of the receivable receivable to the financial institution.

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

  In other words, according to a typical embodiment of the present invention, it is possible to realize a factoring service using the service of “Densai Net” while utilizing the advantages of all-bank participation-type electronic record receivables. It becomes.

It is the figure which showed the outline | summary about the structural example of the factoring system which is one embodiment of this invention. It is the figure shown about the outline | summary of a process in case a financial institution purchases an accounts receivable each time among the factoring processes in one embodiment of this invention. It is the figure shown about the outline | summary of the process in case a financial institution purchases accounts receivable in the factoring process in one embodiment of this invention. It is the figure shown about the example of the flow of the generation | occurrence | production process of the electronic record receivable in the factoring process in one embodiment of this invention. It is the figure shown about the example of the flow of the transfer process of the electronic record receivable in the factoring process in one embodiment of this invention. It is the figure shown about the example of the flow of the purchase and settlement process of the electronic record receivable in the factoring process in one embodiment of this invention. It is the figure shown about the example of the flow of the settlement process of the electronic record receivable in the factoring process in one embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted. In the following, in order to make the features of the present invention easier to understand, the description will be made in comparison with the prior art.

<Overview>
For example, bills have conventionally been used as a means for settlement and fund procurement by business operators, such as settlement of accounts receivable by transactions between a delivery company and a payment company. In this case, the creditor (delivery company) possessing the bill can cash it on the due date, but the endorsement of the bill to the financial institution before the due date (with retroactive rights by the bill transfer (with recourse) It is also possible to convert it to cash early by discounting it.

  On the other hand, a so-called factoring service (purchasing of accounts receivable and collection of receivables) by a financial institution or the like is also used instead of such drafting of bills for each receivable. In the factoring service, for example, the creditor (delivery company) has no retroactive rights (non-recourse) from the creditor (delivery company) to the factoring company, etc. While transferring the receivables, the factoring company collects the receivables from the debtor (paying company) on behalf of the creditor (delivering company). The creditor (delivery company) can receive redemption of the amount discounted at a predetermined discount rate from the factoring company before the redemption date or the redemption date. Purchase-type factoring is also possible, in which a discounted price is received directly from the factoring company at the time of transfer of accounts receivable.

  For such factoring services, creditors (delivering companies) do not transfer receivables each time, but perform so-called collective factoring that includes multiple receivables in a comprehensive and automatic factoring service. It has been broken. In the case of collective factoring, in general, in order to avoid the procedure of assigning receivables generated by creditors (delivery companies) to factoring companies each time, receivables are automatically issued to factoring companies as soon as accounts receivable are generated. A contract to be transferred is concluded.

  Here, it is considered to realize a factoring service while enjoying the convenience of the electronic record receivable by generating the receivable receivable that the delivery company has for the paying company as the electronic record receivable. However, as described above, electronically-recorded receivables are mainly a mechanism for substituting bills, and discounts by transfer of receivables are usually accompanied by recourse, which is different from non-recourse transfer of receivables by factoring service. In addition, since the delivery company and the paying company can independently record the occurrence of electronic record receivables related to accounts receivable via the electronic receivables record organization, electronic record receivables subject to purchase by factoring companies have occurred Needless to say, it does not have a mechanism for systematically grasping this, and a mechanism for automatically transferring the electronic record receivable to a factoring company.

  As described above, according to the prior art such as Patent Document 1, since it is a closed type recording institution called “megabank recording institution”, it has the characteristic that it can flexibly respond to individual requirements and needs. Utilizing this, it is possible to construct a factoring system using electronically recorded receivables. However, since it is specialized in factoring services within the scope of services provided by individual “megabank recording organizations”, both paying companies and delivery companies have accounts and contracts in the megabanks. Need to be. Furthermore, paying companies tend to be limited to high-quality companies with creditworthiness.

  In addition, since the electronically recorded receivables of the “megabank recording organization” are used, for example, the supplier (creditor) purchases his / her own electronic receivables related to accounts receivable rather than cashing them with a factoring service. Even if the supplier tries to use it for payment to the other party, the electronic record receivable cannot be used for payment unless the supplier also has an account or contract with the mega bank. In particular, when the supplier is dealing with a large number of suppliers, it is difficult to require all suppliers to contract with the megabank.

  Therefore, by using electronically recorded receivables provided by all bank participation type (universal type) recording institutions that have already become social infrastructure such as “Densai Net” It is desirable to realize a factoring service as a means of fund procurement and settlement while enjoying advantages such as high distribution of electronically recorded receivables related to accounts receivable. “Densai Net” allows for non-recourse transfer in the discount system by transferring electronic record receivables. By using this, electronic records can be individually recorded each time an account receivable occurs. It is possible to construct a factoring service by transferring receivables.

  On the other hand, as mentioned above, “Densai Net” is a mechanism that replaces bills and cannot be used as a replacement for factoring services as it is, and it is also an electronic product that can be purchased by factoring companies. Naturally, it does not have a system for grasping systematically that a recorded bond has occurred, or a system for automatically transferring the electronic record bond to a factoring company. In addition, since it is a general-purpose service that participates in all banks, the flexibility to meet the needs of individual financial institutions is low, and it is not possible to embed a mechanism for realizing a factoring service in the “Densai Net” itself.

  Therefore, in the present invention, a factoring system having an interface to “Densai Net” is constructed, and in addition to “Densai Net” which has already been converted into a social infrastructure as an alternative mechanism of bills, factoring service is additionally provided. Realize the function.

  That is, the factoring system according to one embodiment of the present invention is an electronic record provided through a window financial institution that participates in a universal bank recording organization such as “Densai Net”. This is a system that provides a factoring service using a bond service. In this embodiment, as will be described later, the counter financial institution of “Densai Net” also has a role as a factoring institution that provides a factoring service, so that it is possible to provide a factoring service using electronic record receivables. To do. In the present embodiment, these roles are assumed to be played by the same financial institution such as a bank, but if possible, for example, another corporation may play the role of a factoring institution.

  By using the factoring system of the present embodiment, for example, receivables such as trade receivables that are generated when a supplier company delivers a product or the like to a paying company participates in the “Densai Net”. Generated as electronically recorded receivables through financial institutions. The delivering company (creditor) transfers the credit to the financial institution that also serves as a factoring institution, while the financial institution collects accounts receivable from the paying company (obligor) on behalf of the delivering company. Provide factoring services.

  In the present embodiment, one or more generated receivables are automatically transferred to the financial institution based on a contract between the paying company, the delivering company, and the financial institution, and the financial institution It is also possible to provide a factoring service that collects data collectively. Note that this embodiment is intended for a purchase-type factoring service that directly receives a discounted price instead of a right to claim redemption when a receivable company transfers a trade receivable to a financial institution. The concept is not limited to this, and the concept can also be applied to so-called collective factoring in which a supplier company obtains a reimbursement claim.

<System configuration>
FIG. 1 is a diagram showing an outline of a configuration example of a factoring system according to an embodiment of the present invention. The factoring system 100 includes a factoring institution that provides a paying company 30 and a delivery company 40, etc., which are users, and a “Densai Net” through a network (not shown). It is an information processing system operated by the financial institution 10 having a role as a window financial institution.

  The factoring system 100 is a server system implemented by, for example, one or more server devices or a virtual server constructed on a cloud computing service, and includes an OS (Operating System), a DBMS (DataBase Management System), a DBMS (not shown), Factoring accepting unit 101, purchase processing unit 102, collective purchase processing unit 103, electronic record bond processing unit 104, form output unit 105, settlement processing unit 106, etc. implemented by software running on middleware such as a Web server program It has each part.

  In addition, each data store includes a payment company master database (DB) 111, a delivery company master DB 112, a contract master DB 113, a purchase target loan DB 114, and an electronically recorded bond DB 115 configured by database tables and the like. Further, as data such as files input / output from / to the factoring system 100 or generated as intermediate data for processing in the factoring system 100, for example, factoring data 121, purchase instruction data 122, recording data 123, reduction form 124, Each data store such as settlement data 125 is provided.

  The factoring accepting unit 101 receives a claim (payment company 40 with respect to the payment company 30) from the payment company terminal 31 which is an information processing terminal used by the user of the payment company 30 via a secure network (not shown). Receivable receivables), that is, a function of accepting information of receivables to be purchased by the financial institution 10 as a factoring institution as factoring data 121.

  In the present embodiment, the factoring data 121 has a format similar to the data format in “Densai Net”, that is, the financial institution 10 as the financial institution of “Densai Net” performs processing related to the electronically recorded receivables. It shall be accepted in a format that can be accepted to do. Thereby, standardization and efficiency can be achieved without providing an original interface for factoring.

  For access from the payment company terminal 31 to the factoring system 100, for example, a dedicated client application (not shown) introduced on the payment company terminal 31 side may be used, or a web server program (not shown) is installed on the factoring system 100. By having it, the factoring system 100 may be accessed using a web browser (not shown) on the payment company terminal 31.

  The factoring reception unit 101 performs various checks such as checking the format of the received factoring data 121, validity verification by collating with the master DB, and confirmation of the limit amount of factoring. If there is a defect as a result of the check, the payment company terminal 31 may be notified of the fact and requested to be corrected. The factoring data 121 for which the check has been completed is transferred to an electronic record bond processing unit 104 described later in order to generate a corresponding electronic record bond. Note that the trade receivables recorded in the recording institution as the electronic record receivable by the electronic record receivable processing unit 104, that is, the information on the receivable to be purchased by the financial institution 10 by factoring is registered in the purchase receivable DB 114.

  The purchase processing unit 102 receives a purchase request for an account receivable subject to factoring from a delivery company terminal 41, which is an information processing terminal used by a user of the delivery company 40, via a network (not shown). It has a function to perform processing. Specifically, purchase instruction data 122 for performing transfer processing from the delivery company 40 to the financial institution 10 is generated for the electronic record receivable relating to the specified receivable receivable, and the electronic record receivable processing unit 104 to be described later is generated. Deliver.

  As for the access to the factoring system 100 from the delivery company terminal 41, for example, a dedicated client application (not shown) introduced on the delivery company terminal 41 side may be used as in the payment company terminal 31, or the factoring system 100 may be used. By having a Web server program (not shown) above, the factoring system 100 may be accessed using a Web browser (not shown) on the delivery company terminal 41. Further, the financial institution 10 receives a purchase request by FAX or the like, and a person in charge of the financial institution 10 uses a financial institution terminal 11 which is an information processing terminal used by the person in charge to establish a network such as an intranet (not shown). Alternatively, the factoring system 100 may be accessed to perform input.

  The collective purchase processing unit 103 has a function of automatically performing purchase processing on a receivable subject to factoring (hereinafter may be referred to as “collective purchase”). Specifically, information on the receivables subject to collective purchase is extracted from the receivables registered in the receivable receivable DB 114, that is, receivables designated by the paying company 30 as subject to purchase by factoring, For each of these, purchase instruction data 122 for performing transfer processing from the delivery company 40 to the financial institution 10 is generated and transferred to an electronic record bond processing unit 104 described later. Whether or not the receivable is subject to collective purchase depends on whether or not the target delivery company 40 desires collective purchase by a prior contract. In the present embodiment, this information can be grasped by referring to the delivery company master DB 112, for example.

  The electronic record receivable processing unit 104 makes a request to the all financial institution participating electronic receivable recording institution 20 (“Densai Net” in this embodiment) via a network (not shown). It has functions to perform various processes such as inquiries and settlement of electronic record receivables. For example, the function of requesting the record of occurrence of electronically recorded receivables based on the factoring data 121 delivered from the factoring accepting unit 101, or the purchase instruction data 122 delivered from the purchase processing unit 102 and the collective purchase processing unit 103. A function for requesting transfer records of the subject electronic record receivables based on this, a function for inquiring electronic record receivables recorded in the record book on all financial institution participating type electronic receivable record institutions 20, and the like. Further, it has a function of instructing settlement between accounts on the settlement date of accounts receivable purchased by the financial institution 10. As a result, the settlement amount is withdrawn from the account of the paying company 30 that is the debtor, and the factoring settlement account of the financial institution 10 is deposited.

  In the present embodiment, these functions are provided to all financial institution-participating electronic bond recording institutions 20 such as “DENTRANS (registered trademark)” possessed by a counter financial institution participating in “Densai Net”. A process that is automatically performed by the electronic record receivable processing unit 104 or output from the electronic record receivable processing unit 104 via an electronic record receivable interface 12 including an ASP (Application Service Provider) service that provides an interface for access. A person in charge of the financial institution 10 or the like can access the electronic record bond interface 12 based on the data and manually perform the configuration. The electronic record bond interface 12 is configured on an information processing terminal independent of the factoring system 100, for example.

  The electronic record receivable processing unit 104 further processes the receivables to be purchased by factoring with respect to the purchase receivable DB 114 based on the record data 123 obtained from the electronic record receivable interface 12 as a processing result of the occurrence record and the transfer record. Register and update credit information. Also, processing such as registration and update of bond information is performed on the electronic record bond DB 115 that holds master information on all electronic record bonds including general bonds that are not subject to factoring.

  The form output unit 105 refers to the purchase target bond DB 114, the electronically recorded bond DB 115, various master DBs, and the like, and creates and outputs various return forms 124 related to factoring processing at a predetermined timing such as daily. Have The return form 124 is output in an appropriate format as required, such as a data file format or a format printed on a paper medium.

  The settlement processing unit 106 has a function of performing settlement processing for the purchase price of accounts receivable related to factoring. Specifically, when the financial institution 10 purchases a claim related to factoring, the settlement data 125 for performing a transfer process for depositing the purchase price into the account of the delivery company 40 that was the creditor. Generate. The actual transfer process based on the settlement data 125 is performed by an account system (not shown) of the financial institution 10. As described above, since the present embodiment is intended for purchase-type factoring services, when the financial institution 10 receives the transfer of accounts receivable related to factoring, the purchase price is paid to the delivery company 40. However, when applying to so-called collective factoring in which the delivery company 40 obtains the right to claim redemption, the payment is made when the redemption date or a request for discount from the delivery company 40 is received.

<Overview of factoring process>
FIG. 2 is a diagram showing an outline of the processing in the case where the financial institution 10 purchases the trade receivables each time in the factoring processing in the present embodiment. In advance, a basic contract is concluded between the paying company 30, the delivery company 40, and the financial institution 10 to perform the factoring service in advance ((1) in the figure). At this time, if the information of the payment company 30 and the delivery company 40 is not registered in the payment company master DB 111 and the delivery company master DB 112 on the factoring system 100, they are newly registered and the basic contract is registered in the contract master DB 113. Register the information.

  Thereafter, a transaction such as product purchase is performed between the paying company 30 and the delivery company 40, and the delivery company 40 delivers the goods to the paying company 30 and charges for the goods ((2) in the figure). Here, the paying company 30 requests the record of occurrence of electronically recorded receivables for the accounts receivable generated at the delivery company 40 via the financial institution 10 which is the financial institution of “Densai Net” (see FIG. Medium (3)). In the example of FIG. 2, the paying company 30 requests the occurrence record of the electronic record receivable through the financial institution 10. However, as in the example of FIG. It is also possible to notify the information on the receivables subject to factoring and the financial institution 10 requests the occurrence record. The fact that the occurrence has been recorded is notified from the “Densai Net” to the delivery company 40 ((4) in the figure), and the delivery company 40 can grasp the occurrence of the electronic record receivable relating to the trade receivable.

  The delivery company 40 requests the financial institution 10 to purchase the electronic record receivable in order to raise funds by the factoring service based on the electronic record receivable ((5) in the figure). Instead of using the electronic record receivable for the factoring service to raise funds, the delivery company 40 makes payment by, for example, further transferring the electronic record receivable to the supplier 50 who is its creditor. It is also possible to hit ((5-1) in the figure).

  The financial institution 10 that has received the purchase request by factoring requests the “Densai Net” to record the transfer of the electronic record receivable from the supplier 40 to the financial institution 10 ((6) in the figure). . The delivery company 40 is notified from the “Densai Net” that the transfer record has been made ((7) in the figure). Thereafter, a purchase price with a predetermined discount is paid from the financial institution 10 to the delivery company 40 on the purchase date ((8) in the figure). Further, on the settlement date of the electronic record receivable, the payment amount is paid from the paying company 30 to the financial institution 10 ((9) in the figure).

  FIG. 3 is a diagram showing an outline of processing in the case where the financial institution 10 collectively purchases accounts receivable in the factoring processing in the present embodiment. As in the example of FIG. 2, a basic contract for performing the factoring service is concluded in advance ((1) in the figure). Here, it is agreed that the financial institution 10 does not purchase a plurality of trade receivables each time, but uses a collective purchase in which the financial institution 10 automatically purchases the receivables. Similarly to the example of FIG. 2, when the information on the payment company 30 and the delivery company 40 is not registered on the payment company master DB 111 and the delivery company master DB 112 on the factoring system 100, the information is newly registered, The basic contract information is registered in the contract master DB 113. At this time, information indicating that the target delivery company 40 uses batch purchase is also registered in the delivery company master DB 112.

  Thereafter, a transaction such as product purchase is performed between the paying company 30 and the delivery company 40, and the delivery company 40 delivers the goods to the paying company 30 and charges for the goods ((2) in the figure). Here, the paying company 30 notifies the financial institution 10 of the information on the trade receivables subject to factoring ((3) in the figure), and in response to this, the financial institution 10 electronically records the receivables. Request for a record of the occurrence of bonds ((4) in the figure). The fact that the occurrence has been recorded is notified to the delivery company 40 from “Densai Net” ((5) in the figure), and the delivery company 40 can grasp the occurrence of the electronic record receivable relating to the trade receivable.

  In the case of lump-sum purchase, unlike the example in Fig. 2, electronically recorded receivables related to trade receivables are requested for transfer records by the financial institution 10 as a factoring institution immediately after they occur ((6) in the figure). Be transferred. The delivery company 40 is also notified from the “Densai Net” that the transfer record has been made ((7) in the figure). Thereafter, as in the example of FIG. 2, the purchase price with a predetermined discount is paid from the financial institution 10 to the delivery company 40 on the purchase date ((8) in the figure). The settlement amount is paid from 30 to the financial institution 10 ((9) in the figure).

  Thus, in the case of lump-sum purchase, instead of the paying company 30, the financial institution 10 requests the record of occurrence of the electronic record receivable related to the accounts receivable. Therefore, it is possible to request a transfer record so that the generated electronic record receivable is immediately transferred to itself. Whether or not the electronic record receivable subject to purchase by the collective purchase is determined, for example, by the delivery company 40 that is the creditor of the electronic record receivable being a company that uses the collective purchase in the delivery company master DB 112 registration. It can be grasped by referring to the information of whether or not it is.

<Flow of factoring process>
FIG. 4 is a diagram showing an example of the flow of the electronic record bond generation process in the factoring process according to the present embodiment. As described above, a basic contract for performing the factoring service is concluded in advance between the three parties of the payment company 30, the delivery company 40, and the financial institution 10 (S01). Information related to the basic contract is registered or updated in the payment company master DB 111, the delivery company master DB 112, and the contract master DB 113 on the factoring system 100. When using a factoring service by collective purchase, that fact is also registered.

  Thereafter, a transaction such as purchase of goods is performed between the paying company 30 and the delivery company 40, and the delivery company 40 receives goods from the delivery company 40 and bills the payment company 30 to generate accounts receivable ( S02). Here, the payment company terminal 31 of the payment company 30 creates factoring data 121 including information on the accounts receivable to be factored based on the instruction from the person in charge or the like, and uses this as the factoring system 100 of the financial institution 10. (S03). The factoring data 121 is created on the payment company terminal 31 and transmitted to the factoring system 100 as described above. For example, the factoring system 100 is accessed using a web browser (not shown) of the payment company terminal 31. Then, the factoring data 121 may be created on the factoring system 100 based on the instruction.

  In the factoring system 100, the factoring receiving unit 101 performs various checks such as checking the format of the factoring data 121, validity verification by collating with various master DBs, and confirmation of the limit amount of factoring (S04). The factoring reception unit 101 may automatically check or may accept input of a check result manually. As described above, in the present embodiment, the factoring data 121 is received in the same format as the data format in “Densai Net”.

  The contents of the check include, for example, checking whether the format of the factoring data 121 is in a format that conforms to the format of “Densai Net” such as a header part, a data part, a trailer part, an end record, Numeric check, digit number check, code value existence check, etc. are included. In addition, the existence check of the debtor and creditor by the matching with the paying company master DB 111 and the delivery company master DB 112, and the designated date of the electronically recorded receivables from the date when the factoring data 121 is received, the predetermined business This includes checking the validity of a day (for example, 5 business days) or more, and checking the limit of factoring.

  Although not shown, if there is a problem as a result of the check, it may be notified to the payment company terminal 31 and a request for correction or retransmission of the factoring data 121 may be made. When the factoring reception unit 101 receives the modified factoring data 121, the process of step S04 is performed again.

  Thereafter, the factoring data 121 for which the check has been completed is delivered to the electronic record receivable processing unit 104, and the electronic record receivable processing unit 104 requests the electronic record receivable generation record from the all financial institution participating electronic receivable recording organization 20 (S05). ), And the generation record (S06) in the record original book by the all-financial-participation-type electronic bond recording organization 20 are performed. Through these processes, electronically recorded receivables related to the subject receivables are generated. In addition, since the date of the electronic record receivable is due several days ahead, the request for the record of occurrence here is a reservation request to be generated on the date of expected remittance.

  The request for the occurrence record in step S05 is an ASP service that provides an interface for the electronic record bond processing unit 104 to access “Densai Net” such as “DENTRANS (registered trademark)” as described above. It may be performed automatically via the electronic record receivable interface 12 or the like, or the person in charge of the financial institution 10 accesses the electronic record receivable interface 12 based on the processing data output from the electronic record receivable processing unit 104. It is good also as a structure performed manually.

  Information on the result of the occurrence record of the electronically recorded receivables related to the accounts receivable in all the financial institution participating electronic receivable recording institutions 20 is notified to the delivery company terminal 41 (S07). In addition, the result of occurrence recording is also confirmed in the factoring system 100 (S08). Although not shown, if the result is not recorded as NG, it may be notified to the payment company terminal 31 to request correction or retransmission of the factoring data 121.

  After that, when the result is OK and recorded, the information on the electronic record receivable is registered in the electronic record receivable DB 115 by the electronic record receivable processing unit 104 or the like based on the record data 123 as the result data. At the same time, the financial institution 10 registers it in the purchase receivable DB 114 as a receivable to be purchased by factoring (S09). Further, the daily output processing of the form output unit 105 outputs the list information and the like of the generated receivables as a reduction form 124 by a data file or a paper medium (S10). Through the series of processes described above, it is possible to generate an electronic record receivable to be factored, that is, a purchase target by the financial institution 10. In addition, since the occurrence record is made by the reservation request before the actual withdrawal date, it is also possible to cancel the occurrence record before the departure date.

  FIG. 5 is a diagram showing an example of the flow of the electronic record bond transfer process in the factoring process in the present embodiment. When the financial institution 10 purchases electronically recorded receivables related to trade receivables, the delivery company terminal 41 of the delivery company 40 first gives instructions from the person in charge etc. at least a predetermined business day before the actual purchase date. Based on the above, a purchase application including information on receivables subject to factoring is made (S11). Note that, as described above, when applying for purchase, the delivery company terminal 41 may transmit data including information on the trade receivables to be purchased, or the financial institution 10 receives a purchase request by FAX or the like, The person in charge of the financial institution 10 may use the financial institution terminal 11 to perform input to the factoring system 100 as a proxy.

  In the purchase processing unit 102 of the factoring system 100, the accounts receivable, the payment company 30 and the delivery company 40 specified by the purchase application data are registered in the purchase target credit DB 114, the payment company master DB 111 and the delivery company master DB 112, respectively. The purchase instruction data 122 related to the purchase is created each time (S12). In the case of each purchase, actual purchase processing is performed after a predetermined business day (for example, three business days) after receiving the purchase application.

  On the other hand, when the financial institution 10 collects electronically recorded receivables related to trade receivables, the sales subject to collective purchase from the purchase receivable DB 114 is performed by daily processing of the collective purchase processing unit 103 of the factoring system 100. The information on the credit is extracted and the purchase instruction data 122 related to the collective purchase is created (S13). Here, with reference to the delivery company master DB 112, information on the delivery company 40 that uses collective purchase is extracted, and information on the accounts receivable receivable for which the delivery company 40 is a creditor is extracted from the purchase target debt DB 114. .

  The purchase instruction data 122 created in steps S12 and S13 is delivered to the electronically recorded bond processing unit 104. The electronic record receivable processing unit 104 inquires whether each trade receivable related to the purchase instruction data 122 is recorded in the record ledger on the all financial institution participation type electronic receivable recording institution 20 (S14, S15). Although not shown, when the inquiry result is NG, it may be notified to the delivery company terminal 41 to request correction or retransmission of the purchase application.

  If the result of the inquiry is OK, a request for transfer records for transferring the accounts receivable related to the purchase instruction data 122 from the delivery company 40 to the financial institution 10 (S16), and an all-institutional participation type electronic receivable recording institution 20 Each process of transfer record (S17) to the record original book is performed. Through these processes, the electronic record receivable relating to the subject trade receivable is transferred to the financial institution 10. Here, transfer records are requested collectively without distinguishing between purchases and collective purchases. Since actual purchase processing is performed after a predetermined business day (for example, three business days), the request for the transfer record here is a reservation request for transfer on the planned purchase date.

  As described above, the request for the transfer record in step S16 may be automatically performed by the electronic record receivable processing unit 104 via the electronic record receivable interface 12 including a service such as “DENTRANS (registered trademark)”. On the basis of the processing data output from the electronic record receivable processing unit 104, a person in charge of the financial institution 10 may access the electronic record receivable interface 12 and perform it manually.

  Information on the result of the transfer record of the electronic record receivables related to the accounts receivable to the financial institution 10 in all the financial institution participating electronic receivable recording institutions 20 is notified to the delivery company terminal 41 (S18). The factoring system 100 also confirms the transfer record result (S19). Although not shown, if the result is NG and the transfer record has not been made, this may be notified to the delivery company terminal 41 to request correction or retransmission of the purchase application.

  If the result is OK and the transfer record is recorded, based on the record data 123 that is the result data, the electronic record receivable processing unit 104 or the like stores the purchase receivable DB 114 with information indicating that the electronic record receivable has been purchased. Update (S20). Further, the daily output processing of the form output unit 105 outputs the list information of purchased accounts receivable as a reduction form 124 by a data file or a paper medium (S21).

  Through the series of processes described above, it is possible to collectively perform receivable transfer related to purchase and batch purchase by factoring. As shown in step S13, in the lump-sum purchase, the delivery company that uses the lump-sum purchase of the electronically recorded receivables of the generated electronically recorded receivables without requiring the delivery company 40 to apply for the purchase of individual accounts receivable. 40 can be extracted and purchased by the financial institution 10 automatically.

  FIG. 6 is a diagram showing an example of the flow of the purchase process of the electronic record bond in the factoring process in the present embodiment. Regarding the accounts receivable to be purchased that have been transferred to the financial institution 10 by the processing of FIG. 5, the daily processing by the settlement processing unit 106 of the factoring system 100, etc., with reference to the purchase receivable DB 114 As described above, the transfer date is created by extracting the items whose purchase date comes after a predetermined business day (for example, two business days) (S31). The transfer data is a list of trade receivables whose purchase price is paid by transfer from the financial institution 10 to the delivery company 40 on the scheduled purchase date. Further, the form output unit 105 outputs the return form 124 including the details of the transfer schedule (S32). The return form 124 may be sent to the delivery company 40 as a transfer schedule.

  Thereafter, the electronic record receivable processing unit 104 determines whether or not each receivable related to the transfer data is recorded in the record ledger on the all financial institution participating electronic receivable recording institution 20 via the electronic record receivable interface 12. (S33, S34). Although not shown, when the inquiry result is NG, the fact may be notified to the delivery company terminal 41 to confirm the subject trade receivable. When the record information of the electronic record receivable is incomplete, it is possible to take a measure such as requesting correction to the all financial institution participation type electronic receivable recording institution 20.

  If the inquiry result is OK, the fact that each trade receivable related to the transfer data has been confirmed with respect to the purchase receivable DB 114 is registered (S35). After that, by the daily processing on the purchase date, etc., the purchase receivable DB 114 is referred to extract the information of the receivables subject to transfer on the day, and the settlement data 125 for performing the center cut processing of the transfer is created. Then, the transfer process is performed by the accounting system (S36). As a result, the purchase price is deposited into the settlement account held by the delivery company 40 in the financial institution 10 (S37). It should be noted that the purchase price is a predetermined discount amount according to the creditworthiness of the paying company 30 and the like.

  FIG. 7 is a diagram illustrating an example of the flow of a settlement process for an electronically recorded bond in the factoring process according to the present embodiment. First, with respect to trade receivables purchased by the financial institution 10, with reference to the electronic record receivable DB 115, daily processing by the electronic record receivable processing unit 104 of the factoring system 100, etc. on a predetermined business day (for example, two business days) Those that will be settled later are extracted, and for these, the inter-account settlement information is acquired from the all-financial-participation-type electronic bond recording institution 20 via the electronic record receivable interface 12 (S41, S42). Thereafter, the settlement processing unit 106 creates settlement schedule information (S43). The payment schedule information created here may be sent to the payment company 30 as the payment schedule details.

  After that, for example, on the day before the settlement date, the payment company 30 and the financial institution 10 are based on the payment schedule information created in step S43 by the electronic record receivable processing unit 104 and the registration information in the electronic record receivable DB 115. The settlement data for performing the center cut processing of the settlement between is created, and the transfer processing is performed by the accounting system (S44). Here, the payment company 30 withdraws the amount related to the subject receivable from the settlement account held in the financial institution 10 (S45) and deposits it in a separate account for factoring settlement of the financial institution 10 (S46). Thereafter, the information on the settlement between accounts is reflected by the electronic record receivable processing unit 104 on the record ledgers of all financial institution participating type electronic receivable recording institutions 20 via the electronic record receivable interface 12 (S47, S48). ). Note that the above series of processing for settlement between accounts is not processing specific to factoring, but is similar to the settlement processing between accounts on the due date of a normal electronic record receivable.

  Thereafter, on the due date, based on the settlement schedule information created in step S43, it is confirmed whether or not the account of the financial institution 10 is correctly paid (S49). This process may be performed automatically by the factoring system 100 accessing the accounting system, for example, or by a person in charge of the financial institution 10 manually using the financial institution terminal 11 or the like, and the result is sent to the factoring system 100. It may be input.

  As described above, according to the factoring system according to an embodiment of the present invention, the financial institution 10 participating in the all-institutional electronic bond recording institution 20 such as “Densai Net” Receivables receivable by integrating the factoring service including lump-sum purchases while maintaining the advantages such as the high distributiveness of all-bank participation type electronic record receivables using the electronic record receivable service provided through It is possible to widen the range of utilization.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiments. However, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the scope of the invention. Needless to say. For example, the above-described embodiment has been described in detail for easy understanding of the present invention, and is not necessarily limited to the one having all the configurations described. In addition, it is possible to add, delete, and replace other configurations for a part of the configuration of the above-described embodiment.

  Moreover, in each said figure, the control line and the information line have shown what is considered necessary for description, and do not necessarily show all the control lines and information lines on mounting. Actually, it may be considered that almost all the components are connected to each other.

  The present invention is applicable to a factoring system and a factoring method for realizing a factoring service using an electronically recorded bond.

10 ... financial institution, 11 ... financial institution terminal, 12 ... electronic record bond interface,
20 ... All financial institutions participation type electronic bond recording institutions,
30 ... payment company, 31 ... payment company terminal,
40 ... Delivery company, 41 ... Delivery company terminal,
50 ... Suppliers
DESCRIPTION OF SYMBOLS 100 ... Factoring system, 101 ... Factoring reception part, 102 ... Purchase processing part, 103 ... Collective purchase processing part, 104 ... Electronic record loan processing part, 105 ... Form output part, 106 ... Settlement processing part, 111 ... Payment company master DB 112 ... Delivered company master DB, 113 ... Contract master DB, 114 ... Purchase target receivable DB, 115 ... Electronically recorded receivable DB, 121 ... Factoring data, 122 ... Purchase instruction data, 123 ... Recorded data, 124 ... Return form, 125 ... settlement data

Claims (4)

In a financial institution, a factoring system for performing factoring using electronic record receivables issued by all financial institution participating electronic receivable recording institutions,
A factoring reception unit that receives factoring data, which is information for generating the electronically recorded receivable related to the receivable, from the debtor of the receivable,
An electronic record receivable processing unit having an interface for requesting the occurrence record and transfer record of the electronic record receivable to the electronic receivable recording institution;
A purchase processing unit that accepts an application for purchase of the accounts receivable from the financial institution from a creditor of the accounts receivable and creates first purchase instruction data;
A collective purchase processing unit that extracts second electronically recorded receivables relating to the trade receivables and creates second purchase instruction data by extracting ones subject to collective purchase;
The electronic record receivable processing unit bills the electronic receivable recording organization for the occurrence record of the electronic record receivable based on the factoring data, and the first purchase instruction data and the second purchase instruction data A factoring system that requests transfer records of the electronically recorded receivables related to the receivables from the creditor of the receivables to the financial institution based on the purchase instruction data. The factoring system of claim 1,
The collective purchase processing unit extracts the electronically recorded receivables related to the trade receivables as a target of collective purchase when the creditor is a creditor who uses factoring by collective purchase. . In a financial institution, a factoring method for performing factoring using an electronic record receivable issued by an electronic receivable recording institution participating in all financial institutions by a computer system,
A first step in which the computer system accepts factoring data, which is information for generating the electronically recorded receivable related to the receivable, from the debtor of the receivable for the receivable to be factored. When,
A second step in which the computer system bills the electronic bond recording organization for the occurrence record of the electronic record bond based on the factoring data;
A third step in which the computer system accepts an application for purchase of the accounts receivable from the financial institution from a creditor of the accounts receivable and creates first purchase instruction data;
A fourth step in which the computer system extracts second electronically recorded receivables related to the receivables to be subject to collective purchase and creates second purchase instruction data;
Based on the first purchase instruction data and the second purchase instruction data, the computer system sends the accounts receivable from the creditor of the accounts receivable to the financial institution to the electronic bond recording institution. And a fifth step of requesting the transfer record of the electronic record receivable relating to the receivable. The factoring method according to claim 3, wherein
The fourth step is a factoring method for extracting the electronically recorded receivables related to the trade receivables as a target of collective purchase when the creditor is a creditor using factoring by collective purchase. .

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