JP2019095837A - Discount fee replenishment system, method and program for electrically recorded bond - Google Patents

Abstract

To provide a discount fee replenishment system for electrically recorded bonds.SOLUTION: Disclosed is a system for replenishing a discount fee of electrically recorded bonds, which is communicably connected to an electronic bond recording agency. This system includes: means for receiving a transfer record request for discount request for electronically recorded bond from a device of a receiving company; means for determining the need for replenishment of the discount fee based on the transfer record request for discount request; means for determining the interest rate of the discount fee when it is determined that replenishment of the discount fee is necessary; means for directing the transfer of funds equivalent to the discount rate calculated by the interest rate to payment companies; and means for requesting the electronic bond record agency for the transfer record of electronically recorded bond based on the transfer record request for discount request.SELECTED DRAWING: Figure 1

Description

  TECHNICAL FIELD The present invention relates to a system, method, and program for an electronic record credit discount replenishment system.

  Conventionally, electronically recorded receivables are generated in transactions between a client or subcontractor (hereinafter referred to as "payer") and a supplier or subcontractor (hereinafter referred to as "recipient"). It is used as one of the means of payment for trade receivables.

  Electronically recorded receivables can be generated and transferred by being electronically recorded in the record register of the electronic debt recording organization. For example, when a debtor designates the amount of a credit, the due date, a creditor, etc., and records the accrual through the bank, an electronically recorded credit is generated. Also, for example, when a creditor makes a transfer record through a bank, the electronically recorded bond is transferred. When the due date is reached, the designated bond amount is withdrawn from the debtor's bank account and is automatically deposited to the creditor's bank account. Once payment is complete, payment records are made in the record register.

  Creditors may use a discount if they wish to fund before the due date of the electronically recorded claim. The discount can be obtained by transferring the electronically recorded credit to a financial institution or the like, and subtracting the discount fee, a predetermined fee, and the like from the amount of the credit. Discount fee varies depending on the number of days until the due date, discount annual rate, etc.

  By the way, regarding the Subcontract Price Payment Delay Prevention Act (Law 120, 1959), the Small and Medium Enterprise Agency and the Fair Trade Commission issued a request document for means of payment of the subcontract price on December 14, 2016. The In the contents of the request, “Subject payment shall be made by cash as much as possible” and “When paying subcontract payment by bill etc., subcontractors will be required for the cost such as discount fee for cashing In order not to bear the burden of the subcontractor, the parent and subcontractors should fully determine the amount of the subcontract fee taking into consideration. Therefore, it is assumed that the payer will bear the discounted fee in the future, but in order to bear the discounted fee, it is necessary that the payer can grasp the discounted fee.

  It is conceivable to use collective factoring as a settlement method to make funds before the due date. Collective factoring is a settlement method in which the factoring company buys an account receivable from the receiving company (creditor) to the paying company (debtor) after investigating the creditworthiness of the paying company and recovering the claim. The factoring company pays the recipient company an amount obtained by subtracting a predetermined discount amount from the amount of the receivable when the recipient company requests the pre-payment financing. In batch factoring, since the financial institution on the payer's side has a discount request, the payer can quickly grasp the discount fee, and the payer can bear the discount fee.

  However, lumped factoring can not be used in some cases because it requires the payment enterprise to have a certain level of creditworthiness, and that the marked company may not use lumped factoring. In addition, in the case of discounting electronically recorded loans and the like by the conventional method, it is difficult for the paying company to bear the discount fee because the paying company can not grasp the discount fee.

  It is an object of the present invention to provide a system, method, and program for providing an electronically recorded discount discount, to such an issue. More specifically, if there is a transfer recording request for a request for discounting electronically recorded receivables, the interest rate of the discount fee is determined, and the paying company can grasp the equivalent amount of the discount fee, and the subcontract fee will be converted into cash. The purpose is to make it possible for payment companies to bear the costs such as discount fees.

  A system for replenishing a discount for electronically recorded debt, which is an aspect of the present invention, is communicatively connected to an electronic debt recording organization, and for requesting discounted electronically recorded debt from a device of a receiving company. If it is determined that the discount fee needs to be replenished based on the means for receiving the transfer request, the transfer claim for the discount request, and if it is determined that the discount fee needs to be renewed, the interest rate of the discount fee is determined. Transfer the electronically recorded receivables to the electronic debt recording organization based on the means for making the payment, the means for instructing the payer to transfer the funds equivalent to the discount rate calculated by the interest rate, and the transfer record request for the discount request. And means for requesting a record.

  According to the present invention, when there is a transfer recording request for a request for discounting of electronically recorded receivables, it becomes possible to grasp the discount fee in the paying company, and the cost of the discounting company etc. It can bear the burden.

It is a figure which illustrates the whole structure containing the system which concerns on this invention. It is a figure which illustrates the composition of the financial institution system concerning the present invention. It is a figure which illustrates the data item of electronically recorded bond detailed statement DB concerning the present invention. It is a figure which illustrates the data item of discount charge replenishment judgment DB concerning the present invention. It is a figure which illustrates the processing flow of discount charge replenishment concerning the present invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the drawings, the same reference numerals denote the same elements, and the redundant description will be omitted. Also, the creditor of electronically recorded debt is called the receiving company, and the debtor is called the paying company.

  FIG. 1 is a diagram illustrating an entire configuration including a discount rate replenishment system according to the present invention. FIG. 1 schematically illustrates an electronic debt recording agency system 100, a financial institution system 110, a client device 120 of a payment enterprise, and a client device 130 of a recipient enterprise.

  The electronic bond recording organization system 100 is a system operated by the all bank electronic bond network (hereinafter referred to as “Dansai Net” (registered trademark)) of the electronic bond recording organization, and stores various information of the electronically recorded bond. And have a record register to hold.

  The financial institution system 110 is, for example, a system operated by a participating financial institution of the Internet, and provides the user with a service serving as a window for the procedure regarding the electronically recorded credit. The financial institution system 110 is connected to the electronic debt recording agency system 100 via the network 140, and connected to the client device 120 of the payment company and the client device 130 of the receiving company via the network 150.

  The financial institution system 110 can receive a recording request such as a recording request for occurrence of electronically recorded credit, a transfer recording request, etc. from the client device 120 of the payment company and / or the client device 130 of the receiving company to the electronic bond recording agency system 100. The financial institution system 110 can also cooperate with the electronic bond recording agency system 100 for the request for recording the accepted electronic record credit. When the financial institution system 110 further receives a transfer recording request for a request for discounting the electronically recorded receivables, it calculates a discount fee, creates fund transfer data based on the discount fee, and sends the discount company the equivalent of the discount fee. Can direct money transfer. Transfer of funds is done by transfer or withdrawal. When the request for recording is received in writing, a representative of the operator of the financial institution may be input. The financial institution system 110 can hold various information of the recording request of the received electronic record credit.

  The payment company can use the client device 120 to access the financial institution system 110 to perform procedures for electronically recorded receivables. The payment company can make a recording request for the occurrence of the electronically recorded credit, etc., to the electronic credit recording system 100 via the financial institution system 110. The client device 120 of the payment company is an apparatus capable of communicating with the financial institution system 110 via the network 150, and may be, for example, a PC, a tablet, a smartphone, etc., and is not particularly limited.

  The recipient company can use the client device 130 to access the financial institution system 110 to perform the procedure for the electronically recorded receivables. The recipient company can make a transfer recording request or the like for the discount request of the electronically recorded credit to the electronic credit recording system 100 via the financial institution system 110. The client device 130 of the receiving company is a device capable of communicating with the financial institution system 110 via the network 150, and may be, for example, a PC, a tablet, a smartphone, etc., and is not particularly limited.

  The network 140 may be a known network capable of mutual communication between the financial institution system 110 and the electronic bond recorder system 100, and is not particularly limited.

  The network 150 may be a known network capable of mutual communication between the client device 120 of the payment company and the financial institution system 110, and between the client device 130 of the recipient company and the financial institution system 110, with particular limitation It will not be done.

  FIG. 2 is a diagram illustrating the configuration of a financial institution system 110 according to the present invention. FIG. 2 schematically illustrates the interest rate registration unit 111, the recording request linkage unit 112, the replenishment necessity determination unit 113, the interest rate determination unit 114, the discount fee fund transfer unit 115, the electronically recorded bond specification DB 116, the discount fee replenishment determination DB 117, And fund transfer details DB 118 are illustrated.

  The interest rate registration unit 111 can receive the interest rate of the discounted fee determined between the paying company and the receiving company from the paying company and / or the receiving company, and can register it in the discounted fee replenishment judgment DB 117. The interest rate may be received as electronic data from the client device 120 of the payment company and / or the client device 130 of the receiving company, and may be received in writing and registered by the operator of the financial institution. Interest rates may be updated as needed.

  The recording request linking unit 112 can receive a recording request such as a transfer recording request for a discount request from the client device 130 of the receiving company. The discount request is made by a transfer record for transfer to a financial institution or the like having the financial institution system 110, and can include the record number of the electronic record credit, the account information of the receiving company, the discount desired date, and the like. The recording request collaborating unit 112 can also cooperate with the electronic bond recording organization system 100 for recording requests such as transfer recording requests for discount requests received from a receiving company. Further, the recording request collaborating unit 112 can receive the processing result from the electronic bond recording organization system 100, and can also cooperate the processing result with a receiving company or the like. The recording request collaborating unit 112 can also store the information of the electronically recorded bond to be the object of the recording request in the electronically recorded bond statement DB 116.

  The replenishment necessity determination unit 113 acquires the user number of the recipient company and the user number of the payment company based on the record number of the electronically recorded bond by accessing the electronically recorded bond specification DB 116 or the electronic bond recording agency system 100 be able to. The user number of the recipient company is included in the request for transfer recording of the electronically recorded claims, and the user number of the paying company is included in the record number of the electronically recorded claims. Therefore, the replenishment necessity determination unit 113 may obtain the user number of the recipient company from the request for transfer recording of the electronic record bond, and may obtain the user number of the pay company from the record number of the electronic record bond.

  The replenishment necessity determination unit 113 can also acquire various data from the discount fee replenishment determination DB 117 based on the user number of the recipient company and the user number of the payment enterprise. The data acquired from the discount fee replenishment determination DB 117 may include the set interest rate determined between the receiving company and the paying company. The replenishment necessity determination unit 113 determines that the replenishment of the discount fee is unnecessary when the data can not be acquired from the discount fee replenishment determination DB 117, and determines that the replenishment of the discount fee is necessary when the data is acquired. .

  If the data acquired from the discount rate replenishment determination DB 117 does not include the set interest rate, the interest rate determination unit 114 selects another system or another DB based on account information etc. associated with the user number of the recipient company. It may be accessed to obtain a predetermined interest rate. The contracted interest rate may be stored in the discount rate replenishment judgment DB 117 or the like, and may be different for each payment company. The interest rate determination unit 114 determines any one of the set interest rate and the contract interest rate included in the data acquired from the discount rate replenishment determination DB 117 as the interest rate of the discount rate.

  The discount fee fund transfer unit 115 can calculate the discount fee based on the interest rate determined for each discount request, and create the fund transfer data of the discount fee equivalent amount. Fund transfer data may include a predetermined fee. The discount fee fund transfer unit 115 can also store fund transfer data in the fund transfer description DB 118, and can issue a fund transfer instruction and a fund transfer notification to the payment company. The fund transfer data can be data transferred from the paying company to the receiving company or withdrawn from the paying company to the financial institution. The notice of transfer of funds may be in any form such as display of a website provided by the financial institution system 110, e-mail, and the like.

  The electronically recorded bond specification DB 116 is a database capable of storing the record number of the electronically recorded bond, the user number, the user name, the account information of the user, and the like. Various information of the electronically recorded account specification DB 116 can be updated as needed. The user number is a number assigned from the electronic bond recording agency system 100 and is a number uniquely identifying the user of the electronically recorded bond.

  The discount fee replenishment determination DB 117 is a database that can store information of a payment company in association with information of a recipient company. More specifically, the discount fee replenishment judgment DB 117 can store the user number, name, use account etc. of the receiving company, and the user number, name, use account of the payment company, etc. in association with each other. The set interest rate determined with the recipient company can also be stored. User information may be normalized and stored in another DB.

  FIG. 3 is a diagram illustrating data items of the electronically recorded bond specification DB 116. As shown in FIG. Examples of data items include a record number, a user number of a recipient company, a recipient company name, a recipient company use account, a receivable amount, a payment due date, a payer company user number, a payee company name, and a payer company usage account. The data items do not have to include all the exemplified ones, and may include other data items.

  The electronically recorded bond statement DB 116 stores various information for managing the electronically recorded bond. The information is, for example, a record number uniquely identifying the electronically recorded bond, a user number of the recipient company uniquely identifying the user of the electronically recorded bond, a user number of the payment company, a credit amount, a payment date, etc. The user number can be specified by the number.

  FIG. 4 is a diagram illustrating data items of the discount fee replenishment determination DB 117. As shown in FIG. Examples of data items include the user number of the recipient company, the name of the recipient company, the account of the recipient company, the user number of the payment company, the name of the payment company, the account of the payment enterprise, and the set interest rate. The data items do not have to include all the exemplified ones, and may include other data items.

  In the discount fee replenishment determination DB 117, the user number of the recipient company and the user number of the payment company are stored in association with each other. The discounted rate replenishment judgment DB 117 may include the set interest rate determined between the receiving company and the paying company. The discount fee replenishment determination database 117 may combine the user number of the receiving company and the user number of the payment company and make it a primary key, or other index as a primary key, and each user number as an external key, etc. The implementation format does not matter.

  As an example of the data in FIG. 4, for example, the user number “987654321” of the payment company “(the company) X” is stored in association with the user number “111111111” of the receiving company “the company A”. . This indicates that the set interest rate is not set because the set interest rate between the recipient company “(A)” and the pay company “(X)” is “null”. On the other hand, for example, the user number “999999999” of the payment company “Y” is stored in association with the user number “111111111” of the recipient company “(A)”. Since the set interest rate between the recipient company “(A)” and the pay company “Y (S)” is “3.00%”, the set interest rate is determined in advance and registered between them. Indicates

  FIG. 5 is a diagram illustrating a processing flow of discount fee replenishment according to the present invention. In the following, the situation in which payment is made with an electronically recorded bond will be described for the transaction between the paying company and the receiving company. As the payment for the transaction, it is assumed that the occurrence record of the electronic record credit with the paying company as the obligor and the receiving company as the creditor is made.

  In step S501, the financial institution system 110 receives a transfer recording request for a discount request from the client device 130 of the receiving company. The discount request is made by a transfer record for transfer to a financial institution or the like having the financial institution system 110, and includes a record number and the like of the electronically recorded bond. The financial institution system 110 may perform a predetermined examination conventionally performed as to whether or not the discount request is discounted.

  In step S502, the financial institution system 110 electronically records the user number of the recipient company and the user number of the payment company on the basis of the record number of the electronically recorded bond included in the transfer record request for discount request. And the electronic bond recording agency system 100 to obtain. The financial institution system 110 may also obtain the user number of the recipient company from the electronic record claim of the transfer record and the user number of the pay company from the record number of the electronic record claim.

  In step S503, the financial institution system 110 attempts to acquire data from the discounted fee supplementation judgment DB 117 based on the user number of the recipient company and the user number of the payment company. More specifically, the replenishment necessity determination unit 113 accesses the discount rate replenishment determination DB 117, uses the user number of the receiving company and the user number of the payment company as a search condition, and the information on the receiving company and the information on the payment company And try to get registered data associated with.

  In step S504, the financial institution system 110 determines whether data can be acquired from the replenishment necessity determination DB 117 in step S503. If the number of data is zero, the determination is NO in step S504, and if one or more can be acquired, the determination is YES in step S504.

  In step S505 (in the case of NO in step S504), the financial institution system 110 determines that the replacement of the discount fee is unnecessary. If the information on the receiving company and the information on the payment company are associated with each other and registered in the discount fee replenishment judgment DB 117, the relationship such as the subcontract can not be recalled, and the payment company does not need to bear the discount fee. If it is determined that the replenishment of the discount fee is unnecessary, the process proceeds to step S511.

  In step S506 (in the case of YES in step S504), the financial institution system 110 determines whether or not the set interest rate determined between the paying company and the receiving company can be obtained. More specifically, the replenishment necessity determination unit 113 determines whether the set interest rate is registered in the data acquired in step S503. If the set interest rate is not set, for example, “null” or “0”, “NO” is set in the step S506. If, for example, “3.00%” is set, “YES” in the step S506. I assume.

  In step S507 (in the case of NO in step S506), the financial institution system 110 accesses the other system or other DB based on account information etc. associated with the user number of the recipient company, and determines the predetermined execution interest rate. To get The contracted interest rate may be stored in the discount rate replenishment judgment DB 117 or the like, and may be different for each payment company.

  In step S508, the financial institution system 110 determines the interest rate of the discount fee based on the set interest rate acquired in step S506 or the promised interest rate acquired in step S507. That is, when the set interest rate can be obtained, the set interest rate becomes the discount rate, and when the set interest rate can not be obtained, the contracted interest rate becomes the discount rate.

  In step S509, the financial institution system 110 calculates a discount fee based on the interest rate determined in step S508, and prepares fund transfer data corresponding to the discount fee. The fund transfer data is transfer data corresponding to the discounted amount from the paying company to the receiving company when the financial institution pays the receiving company the amount obtained by subtracting the discounted amount equivalent from the full amount of the electronically recorded receivables. On the other hand, when the financial institution pays the full amount of the electronically recorded credit to the receiving company, the financial transfer data is the financial transfer data for deducting the discounted charge equivalent amount from the paying company to the financial institution. Fund transfer data may include a predetermined fee.

  In step S510, the financial institution system 110 can store the fund transfer data in the fund transfer description DB 118, and can issue a fund transfer instruction and a fund transfer notification to the payment company. The money transfer notification can confirm, for example, the planned date of money transfer, the amount of money transferred, the destination of money transfer, and the like by a website provided by the financial institution system 110, an email, or the like.

  In step S511, the financial institution system 110 makes a transfer recording request for a discount request to the electronic bond recording agency system 100. Since the transfer recording request is conventionally implemented by a financial institution or the like, the description will be omitted.

  By doing this, when there is a request for discounting the electronically recorded receivables, it becomes possible to grasp the discount fee in the paying company, and the paying company can bear the cost such as the discount fee for cashing the subcontract fee. .

  In another embodiment, the financial institution system 110 is different in the interest rate for calculating the discounted fee to be subtracted from the amount of the electronically recorded credit and the interest rate for calculating the discounted charge equivalent included in the fund transfer data. You can use interest rates. For example, the financial institution system 110 calculates the discount fee based on the agreed interest rate, and deducts the discount fee calculated based on the agreed interest rate from the full amount of the electronically recorded credit as the amount of the credit payable to the recipient company by the financial institution. It is also good. The financial institution system 110 may also create cash transfer data corresponding to the discounted rate calculated based on the set interest rate, and use it as transfer data corresponding to the discounted rate from the paying company to the receiving company. By doing this, even when the set interest rate lower than the specified interest rate is registered in the discount rate replenishment determination DB 117, it becomes possible to grasp the discount rate at the paying company.

  In the present specification, the aspect in which the user takes the procedure by accessing the Web site provided by the financial institution from his / her terminal is mainly described, but the same applies to the case of requesting a discount in writing at a financial institution window or the like. In addition, it is possible to understand the discount rate at the paying company.

  In addition, although this specification describes to determine the interest rate between the paying company and the receiving company, the interest rate may be determined by a third party, by creditworthiness, by a combination of various decisions, or by a combination of combinations. Adjustments such as determination by weighting may be made as appropriate. In addition, companies (users) may be classified into groups based on the capital relationship of the parent company and the subsidiary, and interest rates may be set for each group.

  Furthermore, transfer of processing may be performed among a plurality of financial institutions, cooperation of information on electronically recorded bonds, and the like. Although each process was divided and described for explanation, it may be implemented so that each process may be integrated and cooperated, and the other may perform a part or all of the process which each has.

  While the principles of the present invention have been described with reference to the exemplary embodiments, those skilled in the art will appreciate that various modifications can be made in configuration and detail without departing from the scope of the present invention. You will understand. That is, the present invention can adopt an embodiment as, for example, a system, an apparatus, a method, a program, or a storage medium.

100 Electronic Monetary Claim Recording Institution System 110 Financial Institution System 111 Interest Rate Registration Department 112 Recording Claim Cooperation Department 113 Refilling Necessity Judgment Department 114 Interest Rate Determination Department 115 Discount Fee Fund Transfer Department 116 Electronically Recorded Monetary Claims Detail DB
117 Discount fee replenishment judgment DB
118 Fund transfer details DB
120 Paying Enterprise Client Devices 130 Receiving Enterprise Client Devices 140, 150 Network

Claims (9)

A system for replenishing the discount fee of electronically recorded debt,
The system is communicatively connected to the electronic debt recording agency,
Means for receiving, from the recipient's device, an assignment record request for a discount request for the electronically recorded claim;
A means for determining whether it is necessary to supplement the discount based on the transfer recording request for the discount request;
A means for determining an interest rate of the discount fee when it is determined that the discount fee needs to be replenished;
A means for instructing the payer to transfer funds equivalent to the discount rate calculated by the interest rate;
A means for requesting the electronic bond recording agency to transfer the electronically recorded bond based on the transfer record request for the discount request;
Equipped with a system.   The system according to claim 1, wherein the means for determining the necessity of replenishment determines whether information can be acquired from a database in which the information on the receiving company and the information on the payment company are associated and stored. When the acquired information includes interest rate information,
The system according to claim 2, wherein the means for determining the interest rate determines based on the interest rate information included in the acquired information. If the acquired information does not contain interest rate information,
The system according to claim 2, wherein the means for determining the interest rate determines based on predetermined interest rate information. A computer-implemented method,
Receiving a transfer record request for a request for discounting the electronically recorded claim from the device of the receiving company;
Determining whether it is necessary to add a discount fee based on the transfer record request for the discount request.
If it is determined that the discount fee needs to be replenished, the interest rate of the discount fee is determined.
Instructing the paying company to transfer funds equivalent to the discount rate calculated by the interest rate,
Requesting an electronic bond recording agency to transfer the electronically recorded bond according to the transfer request for the discount request.
Method, including.   The method according to claim 5, wherein determining whether the replenishment is necessary or not is determined based on whether information can be acquired from a database in which the information on the payment company and the information on the receiving company are associated and stored. When the acquired information includes interest rate information,
The method according to claim 6, wherein determining the interest rate is based on the interest rate information included in the acquired information. If the acquired information does not contain interest rate information,
The method according to claim 6, wherein determining the interest rate is based on predetermined interest rate information.   A program for causing a computer to execute the method according to any one of claims 5 to 8.

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