JP2019114021A - Supplier finance service method, computer and program - Google Patents

Abstract

To solve the problem that a payer does not have a one stop channel with an interface for a customer for Densai Net prepared by a financial institution because the payer being a customer using a factoring service only transmits payment data to a representative regardless of utilization of Densai in a conventional technique.SOLUTION: A supplier finance service for making the use of a Densai service of a payment company a one stop channel without causing a factoring company to substitutively make an occurrence recording claim by making an interface for a customer of Densai Net a Densai service of a finance institution is provided by using a computing system.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a supplier finance service method, computer and program. More specifically, by setting the customer interface of the dirty net to the cashier service of the window financial institution, and by making the use of the payment service of the payment company one-stop channel without having the factoring company act on behalf of the accrual record request. The present invention relates to a supplier finance service method, computer and program that can enhance the convenience of supplier finance service utilizing red pepper.

  The supplier finance service is a service in which a financial institution buys a receivable generated between a paying company (debtor) and a vendor (creditor). As a result, the payment company can suppress the trouble and cost due to the issuance of the bill which has been conventionally used as the payment means. Also, there is an advantage that the supplier can also quickly convert the receivables into cash for fund raising while suppressing the trouble and cost due to the issue of the bills.

  One type of supplier finance service is a collective factoring service. An example of such a factoring service is a Internet connection (registered by Zengin Electronics Credit Network Inc. as described in Patent Document 1 and Patent Document 2). There is a factoring service that utilizes "Densai (registered trademark)" (electronically recorded bond) provided by a trademark. In the inventions described in Patent Document 1 and Patent Document 2, a payer (debtor) for the purchase of a product or service, a seller (creditor) of the product or the like, a collective factoring service and purchase of the product or the like Collective factoring concluded by a purchaser (a financial institution) who purchases the electronically recorded receivables generated by the agency, and an agent (factoring company) acting on behalf of the purchaser for the procedure related to the accrual record request and transfer record request of the electronically recorded receivables It targets services. In the factoring service, the payer sends payment data to the agent, and the agent creates an electronic record claim and transfer record request data based on the payment data, and the electronic record is made on behalf of the buyer. Act on behalf of the purchase of debt.

Patent No. 5466327 Patent No. 5466334

  However, although the inventions described in Patent Document 1 and Patent Document 2 utilize red pepper, the payer who is a customer of factoring service only sends payment data to the agent, and the financial institution It can not be said that the customer interface and the one-stop channel for the Internet to be prepared are in place. In addition, it is not an essential element that a factoring company substitutes at least the procedure of accrual record request as a supplier finance service.

The present invention has been made in view of such problems, and the object of the present invention is to make the service interface of the dirty service be the dirty net of the financial institution and make the factoring company substitute for the accrual record request. The goal is to improve the convenience of supplier finance services that use red pepper by providing supplier finance services that use one-stop channels instead of computing resources. For supplier finance services, contracts are concluded by the paying company, the vendor, a proxy recipient who receives the vendor's electronically recorded receivables, and a factoring company.

One aspect of the present invention is based on a supplier finance contract by a payment company, a vendor, an agent recipient who receives the vendor's electronic record credit, and a factoring company to achieve such purpose. The method may be performed by a computer of a financial institution in partnership with the factoring company providing supplier finance services using the electronic record receivables, and delivering accrual record requests from the pay company.
The computer of the teller financial institution receives accrual record request data from the computer of the payment company, wherein the accrual record request data is a creditor of the vendor or the proxy recipient, and the payment A step generated by the payment company, with the company as the obligor;
Determining whether the received accrual record request data relates to the supplier finance service, based on the pre-stored data on the supplier finance contract stored in the computer of the window financial institution;
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The computer of the teller financial institution updates the received accrual record request data, and the updating of the received accrual record request data is the purchase of the creditor in the received accrual record request data. Changing from the first to the substitute recipient, steps;
The computer of the teller financial institution transmitting a first approval request notice for the updated accrual record request data to the computer of the payment company;
The computer of the teller financial institution receives a first approval response to the first approval request notification from the computer of the payment company;
In response to receiving the first approval response, the computer of the teller financial institution relays the updated accrual record request data to the computer of the electronic bond recording institution;
It is characterized by having.

In yet another embodiment, an aspect of the present invention is an electronic record based on a supplier finance contract by a payment company, a vendor, an agent recipient receiving the vendor's electronic record receivable, and a factoring company. A computer of a window financial institution, which is affiliated with the factoring company that provides supplier financing services using bonds, and which handles accrual record requests from the payment companies,
Accrual record request data is received from the payment company computer, and the accrual record request data is generated by the payment company with the vendor or the proxy recipient as a creditor and the payment company as a debtor ,
It is determined whether the received accrual record request data relates to the supplier finance service, based on the prestored data on the supplier finance contract.
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The received accrual record request data is updated, and the updating of the received accrual record request data is to change the creditor in the received accrual record request data from the supplier to the proxy recipient. ,
Sending a first approval request notice for the updated accrual record request data to a computer of the payment company,
Receiving a first approval response to the first approval request notification from the payer's computer;
In response to the reception of the first approval response, the electronic accrual recording organization computer is arranged to handle the updated accrual record request data.

In yet another embodiment, an aspect of the present invention is the electronic record based on a payment company, a vendor, a proxy recipient receiving the vendor's electronic record receivable, and a supplier finance contract by a factoring company A computer program to be run on a computer of a window financial institution that cooperates with the factoring company that provides a supplier finance service using a bond, and distributes accrual record requests from the payment company, the computer program being the computer program When executed by the computer,
Accrual record request data is received from a computer of the payment company, and the accrual record request data is generated by the payment company with the vendor or the proxy recipient as a creditor and the payment company as a debtor ,
Based on the previously stored data on the supplier finance contract, it is determined whether the received accrual record request data relates to the supplier finance service,
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The received accrual record request data is updated, and the updating of the received accrual record request data is to change the creditor in the received accrual record request data from the supplier to the proxy recipient. ,
Causing the payment company's computer to send a first approval request notification for the updated accrual record request data,
Causing a first approval response to the first approval request notification to be received from a computer of the payment company;
In response to the reception of the first approval reply, the computer of the electronic bond recording organization is made to deal with the updated accrual record request data.

  As described above, according to the present invention, it is possible to use the Internet interface for the customer of the network as the window service of the financial institution, and to use the service of the payment company without making the factoring company make a claim for the occurrence record. Providing a supplier finance service for one-stop channel using a computing system makes it possible to enhance the convenience of payment by electronic money.

FIG. 1 is a diagram showing the configuration of an entire system according to an embodiment of the present invention. FIG. 2 is a flowchart showing an occurrence recording request process according to an embodiment of the present invention. FIG. 3 is a flowchart showing transfer recording request processing according to an embodiment of the present invention. FIG. 4 is a diagram showing data stored in the occurrence record request data storage unit according to the embodiment of the present invention. FIG. 5 is a diagram showing data stored in a contract data storage unit according to an embodiment of the present invention. FIG. 6 is a view showing data stored in the transfer recording request data storage unit according to the embodiment of the present invention.

  Hereinafter, a system according to an embodiment of the present invention will be described in detail with reference to the attached drawings. FIG. 1 is a diagram showing the configuration of an entire system according to an embodiment of the present invention. In FIG. 1, the window financial institution server 100, which is installed in a data center or the like and is the main server of the present system, is a payment company server 102, a business net server 104, and a proxy via a network 101 (for example, the Internet). It is configured to communicate with the recipient server 105. The vendor server 103 and the factoring company server 106 are also connected to the network 101, and are configured to communicate with the proxy recipient server 105 and the network server 104, respectively. Although each server computer such as the bank financial institution server 100 is shown as one server computer in FIG. 1, each server computer can also be constructed as a distributed computing system with a plurality of server computers.

  The window financial institution server 100 is a server computer managed by a window financial institution that carries out an origination record request from a payment company. The window financial institution server 100 is an execution entity of the accrual recording request processing and the transfer recording request processing in the present invention. When receiving the accrual record request data from the payment company server 102, the teller financial institution server 100 determines whether the received accrual record request data relates to the supplier finance service. If the received accrual record request data relates to the supplier finance service, the creditor in the accrual record request data is changed from the vendor to a proxy recipient, and after receiving approval from the payment company, the electronic credit record is made Perform agency agency. Here, the proxy recipient is a party (a financial institution) that receives the vendor's electronic record credit on behalf of the vendor. The proxy recipient may be the same financial institution as the window financial institution or a different financial institution.

  On the other hand, if the received accrual record request data is not related to the supplier finance service (or if the creditor is already a substitute recipient even if the received accrual record request data relates to the supplier finance service): Transfer to the electronic debt recording agency after obtaining approval from the payment company without changing the accrual record request data. In addition, when receiving the transfer recording request data from the proxy receiver server 105, the teller financial institution server 100 transfers it to the electronic bond recording organization.

  In addition, with “transfer agent” to the Electronic Monetary Claims Recording Organization, “Financial Financial Institutions defined by Article 33, Paragraph 1 of Participating Financial Institution Business Operation Regulations by Zengin Electronic Credit Network, Inc.” In this case, the financial institution at the window financial institution that received the request shall, without delay, have to arrange the request to the Company, as “in-transit”. It is.

  The payment company server 102 is a server computer managed by the payment company. The payment company server 102 generates an accrual record request data of the electronically recorded bond related to the payment to the vendor. In addition, the payment company server 102 transmits the generated accrual record request data to the window financial institution server 100. The accrual record request data generated by the payment company may or may not relate to the supplier finance service. Furthermore, there are those in which the creditor is a vendor and those in which the creditor is a substitute receiver.

  The vendor server 103 is a server computer managed by the vendor. When it is necessary to monetize the bond, the vendor server 103 transmits, to the proxy receiver server 105, a notification that the discount application is desired.

  The public internet server 104 is a server computer managed by Zengin Electronic Bond Network Inc. The network server 104 receives the accrual record request data from the teller financial institution server 100, and records it in the record original register so as to generate an electronic record credit based on the received accrual record request data. In addition, the network server 104 receives transfer recording request data from the window financial institution server 100, and transfers the creditor of the electronically recorded bond from the transferor (proxy receiver) based on the received transfer recording request data. Record in the original register to be transferred to a factoring company.

  The proxy receiver server 105 is a server computer managed by a financial institution that is a proxy receiver. Upon receiving the notification that the discount application is desired from the vendor server 103, the proxy receiver server 105 generates transfer recording request data for transferring the creditor from the proxy receiver to the factoring company. Also, the proxy recipient server 105 transmits the generated transfer record request data to the teller financial institution server 100.

  The factoring company server 106 is a server computer managed by the factoring company. The factoring company server 106 receives a notification that the electronically recorded bond has been transferred from the agent recipient to the factoring company, from the network server 104. As a result, the factoring company transfers or transfers the credit amount (in fact, the amount discounted by the discount rate) to the settlement account of the vendor. Then, the factoring company recovers the payment to the obligor payment company based on the transferred electronic record credit.

  Next, the configuration of the window financial institution server 100 will be described in detail. In addition, the window financial institution server 100 in FIG. 1 assumes only a single server computing system, and shows only the necessary configuration. The bank financial institution server 100 includes a CPU 110, a RAM 111, an input device 112, an output device 113, a communication control device 114, and a storage device 116, each connected via a system bus 115. The storage device 116 is composed of a non-volatile storage medium (ROM, HDD, etc.), and is a program storage area storing software programs related to occurrence recording request and transfer recording request processing, and data storage storing data handled by the software program. With the area. Each processing unit of the program storage area to be described later is actually an independent software program, a routine or a component thereof, and the like, and is stored in the storage device 116. Each processing unit can be invoked from the storage device 116 by the CPU 110 at the time of execution and expanded in a work area of the RAM 111, so that each function can be exhibited while appropriately accessing a database or the like.

  The software programs stored in the program storage area in the storage device 116 of FIG. 1 include occurrence record request processing unit 120 and transfer record request processing unit 121 when only those related to the present invention are listed. These means are executed by the CPU 110.

  The data storage area in the storage device 116 of FIG. 1 includes an occurrence record request data storage unit 130, a contract data storage unit 131, and a transfer record request data storage unit 132, when only those related to the present invention are listed. Both are fixed storage areas secured in the storage device 116.

  Next, each function of the software program stored in the storage device 116 of FIG. 1 will be described. The accrual record request processing unit 120 of FIG. 1 receives accrual record request data from the payment company server 102 and stores the data in the accrual record request data storage unit 130. In addition, the accrual record request processing unit 120 determines whether or not the received accrual record request data relates to a supplier finance service. The determination is performed based on the contract data stored in advance in the contract data storage unit 131. When the received occurrence record request data relates to the supplier finance service, the occurrence record request processing unit 120 updates the occurrence record request data stored in the occurrence record request data storage unit 130. The update is to change the creditor in the accrual record request data from the vendor to the substitute recipient. Therefore, even if the received accrual record request data relates to a supplier finance service, the update is not performed if the creditor is already a substitute recipient.

  In addition, the accrual record request processing unit 120 transmits, to the payment company server 102, an approval request notification for the accrual record request data. When receiving the approval response to the approval request notification from the payment company server 102, the accrual record request processing unit 120 determines whether the approval response indicates approval. When the approval response indicates approval, the accrual record request processing unit 120 transmits accrual record request data to the public network server 104 in order to request generation of the electronically recorded bond (transfer of accrual record request data) .

  The transfer record request processing unit 121 of FIG. 1 receives transfer transfer request data from the proxy recipient server 105 and stores the transfer record request data in the transfer record request data storage unit 132. Further, the transfer recording request processing unit 121 transmits the received transfer recording request data to the paper money net server 104 in order to request transfer of the electronically recorded bond (transfer of transfer recording request data).

  Next, data stored in the storage device 116 of FIG. 1 will be described in detail. The accrual record request data storage unit 130 of FIG. 1 stores data relating to the accrual record request for requesting the generation of the electronically recorded bond to the money network. FIG. 4 is a diagram showing data stored in the occurrence record request data storage unit 130 according to an embodiment of the present invention.

  In the accrual record request data in FIG. 4, a "user number" for uniquely identifying the user of the internet network, a "recording date" indicating the date of occurrence of the bond, and a "payment date indicating the due date of payment for the bond". "Credit amount indicating the amount of bond", "Crediter financial institution code" and "Crediter branch code" (hereinafter referred to as such financials) that uniquely identify the financial institution and its branch office where the creditor's settlement account is located "Financial institution data") together with data on institutions, "Crediter settlement account type" showing the account type of the settlement account of the creditor, "Crediter settlement" showing the account number and account name of the settlement account of the creditor Account No. "and" Crediter Settlement Account Name "(hereinafter, data on such settlement account are collectively referred to as" settlement account data "), and debtor's financial institution data and decision It is possible to store such as account data.

  The accrual record request data in FIG. 4 is transaction data generated by the payment company server 102. The accrual record request data in FIG. 4 is composed of the minimum data items for explaining the present invention. The actual accrual record request data is generated by the payment company in accordance with the record request format specified by the Zengin Electronics Bond Network, Inc. and the record request format defined by the window financial institution. As a result, the teller financial institution can transfer the accrual record request data to the business net without delay. In addition, “Crediter settlement account type” and “Debtor settlement account type” are identification symbols that indicate the account type of the contractor's contract account (eg 1: 1: ordinary deposit, 2: time deposit, 3) : You can set the current account, ...).

  The contract data storage unit 131 of FIG. 1 stores data on the association between contractors in the supplier finance contract. FIG. 5 is a view showing data stored in the contract data storage unit 131 according to an embodiment of the present invention.

  The contract data in FIG. 5 includes “ID” that uniquely identifies this data, a creditor (supplier) who has entered into a supplier finance contract, a debtor (payment company), a proxy recipient (a financial institution), And, financial institution data and settlement account data of a factoring company can be stored.

  The contract data in FIG. 5 is master data generated by the window financial institution server 100 or the like after the conclusion of the supplier finance contract. The contract data in FIG. 5 is data only indicating the association between contractors, but may be contract data itself regarding a supplier finance contract.

  The transfer recording request data storage unit 132 of FIG. 1 stores data regarding a transfer recording request for requesting the transfer of the electronically recorded bond to the credit network. FIG. 6 is a diagram showing data stored in the transfer recording request data storage unit 132 according to an embodiment of the present invention.

  The transfer record request data in FIG. 6 includes a “user number” for uniquely identifying the user of the network net, financial institution data and transfer account data of the transferor, and “credits indicating the amount of the credit to be transferred. "Amount", "date of record" indicating the date of transfer of the receivable, "payment due" indicating the due date of payment for the receivable, financial institution data and settlement account data of the transferee, guarantee record with the transferee as guarantor It is possible to store a "guaranteed presence / absence flag" indicating whether or not to do, a "recording number" for uniquely identifying the recorded data relating to the electronic record bond to be transferred, and the like.

  Transfer recording request data in FIG. 6 is transaction data generated by the proxy receiver server 105 that has received a discount application from the vendor server 103. Similar to the accrual record request data of FIG. 4, the transfer record request data in FIG. 6 is also composed of the minimum data items for explaining the present invention, and the actual data is designated by the Zengin Electronic Bonds Network, Inc. It is generated according to the format. In the "guaranteed presence / absence flag", an identification symbol (for example, 0: not associated, 1: associated, ...) indicating whether or not to accompany a guarantee record with the assignee as the guarantor may be set. it can. Further, in the case of split transfer, the record number pertaining to the electronic record bond subject to split transfer (hereinafter referred to as "original bond") is set in "record number", and the amount for split transfer is set in "credit amount". Therefore, in the “debt amount” in the case of split transfer, an amount smaller than the amount of the credit of the original credit before split transfer is specified.

  Next, with reference to the flow chart of FIG. 2 and the data of FIGS. 4 and 5, an occurrence recording request process according to an embodiment of the present invention will be described along the flow. FIG. 2 is a flow chart showing an occurrence recording request process according to an embodiment of the present invention. This process is triggered by the reception of the accrual record request data from the payment company server 102 by the counter financial institution server 100, and the counter financial institution server 100 relays the accrual record request data to the internet server 104. It is.

  The flowchart of FIG. 2 will be described in detail. First, the accrual record request processing unit 120 of the teller financial institution server 100 receives the accrual record request data (FIG. 4) from the payment company server 102 (step 201). The accrual record request data is data for requesting a cash net to record in the record original register in order to generate a receivable between the pay company and the vendor as an electronic record receivable. The accrual record request data received in step 201 is generated by the payer company, with the obligor as the payer company and the creditor as the vendor or proxy recipient.

  Next, the accrual record request processing unit 120 stores the accrual record request data received in step 201 in the accrual record request data storage unit 130 (step 202). Further, it is determined based on the contract data (FIG. 5) stored in the contract data storage unit 131 whether or not the received occurrence record request data relates to the supplier finance service (step 203). Specifically, it is determined whether the creditor and the debtor in the accrual record request data exist as the vendor and the payment company in the contract data. Contract data includes vendors and payers that have entered into a supplier finance contract. Therefore, if the creditor and the debtor in the accrual record request data correspond to the vendor and the payment company registered in the contract data, respectively, the received accrual record request data is related to the supplier finance service. Determine (go to the Yes route in step 204). If the creditor is a substitute recipient when the accrual record request data is generated by the payment company, the supplier finance service related, even if the accrual record request data relates to the supplier finance service It is determined that the process is not performed, and the process proceeds to the No route of step 204 (in this case, the process of step 205 described later is unnecessary, and such a determination result may be used).

  If it is determined in step 203 that the received accrual record request data is related to the supplier finance service, the process proceeds to the Yes route of step 204, and the accrual record request processing unit 120 proceeds to the accrual record request data Update (step 205). Specifically, the creditor's financial institution data and settlement account data in the accrual record request data are updated from that of the vendor to that of the substitute recipient. The financial institution data and settlement account data of the proxy receiver can be acquired from the contract data using the creditor (vendor) financial institution data and settlement account data in the accrual record request data as a search key.

  After execution of step 205, or when the process proceeds to the No route of step 204, the accrual record request processing unit 120 transmits an approval request notification to the payment company server 102 (step 206). The payment company server 102 notifies the payment company terminal (not shown) used by the payment company representative by receiving the approval request notification. In another embodiment, for example, the e-mail address of the payment company terminal or the like is registered in advance in the contract data (FIG. 5), and the occurrence record request processing unit 120 directly transmits the approval request notification to the payment company terminal. it can. Thereafter, the person in charge of payment company accesses, for example, a dedicated website provided by the window financial institution server 100, and confirms the occurrence record request data (FIG. 4) for which the approval request has been made via the website. Register approval responses (approval or denial). The registered approval reply is transmitted to the teller financial institution server 100 by the payment company server 102 (or the payment company terminal or the like). In addition, registration and transmission of an approval response can also be performed with respect to one case of accrual record request data, and a plurality of cases can be collectively performed collectively.

  Next, the accrual record request processing unit 120 receives an approval response from the payment company server 102 (step 207). If the received approval response indicates approval, the process proceeds to the Yes route of step 208, and the accrual record request processing unit 120 transmits the accredited accrual record request data to the public network server 104 (step 209). After that, the debt based on the accrual record request data is recorded in the record original record by the business net and a electronically recorded credit is generated. After step 209, the process ends. On the other hand, if the received approval response indicates denial, the process proceeds to the No route of step 208, and the process ends.

  Next, the transfer recording request processing according to the embodiment of the present invention will be described along the flow with reference to the flow chart of FIG. 3 and the data of FIG. FIG. 3 is a flow chart showing transfer recording request processing according to an embodiment of the present invention. In this process, the proxy receiver server 105 generates transfer recording request data triggered by the proxy receiver server 105 receiving a notification from the vendor server 103 that a discount application is requested, and the window financial institution server 100 transfers the transfer recording request data to the network server 104. In the discount application in this processing, the supplier who has concluded the supplier finance contract requests the agent receiver to cash out the electronically recorded credit. By transferring a creditor from a deputy recipient to a factoring company, the factoring company transfers or transfers the amount of the credit (actually the amount discounted by the discount rate) to the settlement account of the vendor, and the vendor Can cash out the receivables before the due date.

  The flowchart of FIG. 3 will be described in detail. First, the proxy recipient server 105 receives, from the vendor server 103, a notification indicating that a discount application is desired (step 301). When the proxy receiver server 105 receives the notification that the discount application is desired, the proxy receiver server 105 generates transfer recording request data (FIG. 6) for transferring the target electronic record credit from the proxy receiver to the factoring company (step 302). ). In addition, the electronic record bond of transfer object can be shown by the "recording number" of transfer recording request data. Next, the proxy recipient server 105 transmits the generated transfer record request data to the teller financial institution server 100 (step 303).

  Next, the transfer record request processing unit 121 of the teller financial institution server 100 receives transfer record request data from the proxy recipient server 105 (step 304), and stores the transfer record request data in the transfer record request data storage unit 132 (step 305). Then, the transfer recording request processing unit 121 transmits the received transfer recording request data to the public network server 104 (step 306). Thereafter, on the basis of the transfer record request data, transfer of the bond indicated by the “record number” of the transfer record request data to the factoring company is recorded in the record original record by the paper net. Become. After step 306, the process ends. Note that when the electronically recorded bond is transferred at the agency of step 306, a notification that the transfer has been made is sent from the network server 104 to the factoring company server 106. As a result, the factoring company transfers or transfers the credit amount (in fact, the amount discounted by the discount rate) to the settlement account of the vendor. Then, the factoring company recovers the payment to the paying company which is the obligor of the transferred electronic record credit.

  As described above, the supplier finance service will be used to set the customer interface of the customer network as the customer's interface at the window financial institution and make the use of the customer's customer service one stop channel without making the factoring company act on behalf of the accrual record request. By providing it using a computing system, it is possible to enhance the convenience of supplier finance services using red pepper.

Claims (5)

A payment company, a vendor, a proxy recipient who receives the electronically recorded receivables of the vendor, and the factoring company which provides the supplier finance service using the electronically recorded receivables based on the supplier finance contract by the factoring company A method implemented by a computer of a financial institution at a partner financial institution and accommodating log records from the payment company,
The computer of the teller financial institution receives accrual record request data from the computer of the payment company, wherein the accrual record request data is a creditor of the vendor or the proxy recipient, and the payment A step generated by the payment company, with the company as the obligor;
Determining whether the received accrual record request data relates to the supplier finance service, based on the pre-stored data on the supplier finance contract stored in the computer of the window financial institution;
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The computer of the teller financial institution updates the received accrual record request data, and the updating of the received accrual record request data is the purchase of the creditor in the received accrual record request data. Changing from the first to the substitute recipient, steps;
The computer of the teller financial institution transmitting a first approval request notice for the updated accrual record request data to the computer of the payment company;
The computer of the teller financial institution receives a first approval response to the first approval request notification from the computer of the payment company;
In response to receiving the first approval response, the computer of the teller financial institution relays the updated accrual record request data to the computer of the electronic bond recording institution;
A method characterized in that it comprises. When it is determined that the received accrual record request data is not related to the supplier finance service, or it is determined that the received accrual record request data relates to the supplier finance service, and the received accrual record request If the creditor in the data is the proxy recipient:
The computer of the teller financial institution transmitting a second approval request notification for the received accrual record request data to the computer of the payment company;
The computer of the teller financial institution receives a second approval response to the second approval request notification from the computer of the payment company;
And in response to the receipt of the second approval response, the computer of the teller financial institution relays the received accrual record request data to the computer of the electronic bond recording organization. A method according to claim 1, characterized in that. The computer of the teller financial institution receives transfer recording request data from the computer of the proxy receiver, and the transfer recording request data includes the transferor as the proxy receiver and the transferee as the factoring company As generated by the proxy recipient, and
The method according to claim 1 or 2, further comprising the step of the computer of the teller financial institution distributing the received transfer request data to the computer of the electronic bond recording organization. A payment company, a vendor, a proxy recipient who receives the electronically recorded receivables of the vendor, and the factoring company which provides the supplier finance service using the electronically recorded receivables based on the supplier finance contract by the factoring company A computer of a window financial institution which is affiliated with the financial institution and which handles the accrual record request from the payment company,
Accrual record request data is received from the payment company computer, and the accrual record request data is generated by the payment company with the vendor or the proxy recipient as a creditor and the payment company as a debtor ,
It is determined whether the received accrual record request data relates to the supplier finance service, based on the prestored data on the supplier finance contract.
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The received accrual record request data is updated, and the updating of the received accrual record request data is to change the creditor in the received accrual record request data from the supplier to the proxy recipient. ,
Sending a first approval request notice for the updated accrual record request data to a computer of the payment company,
Receiving a first approval response to the first approval request notification from the payer's computer;
A computer of a window financial institution, configured to deliver the updated accrual record request data to a computer of an electronic bond recording organization in response to receiving the first approval response. . A payment company, a vendor, a proxy recipient who receives the electronically recorded receivables of the vendor, and the factoring company which provides the supplier finance service using the electronically recorded receivables based on the supplier finance contract by the factoring company A computer program to be executed by a computer of a financial institution at a partner financial institution, which is affiliated with the payment company and handles delivery record request from the payment company, the computer program being executed by the computer,
Accrual record request data is received from a computer of the payment company, and the accrual record request data is generated by the payment company with the vendor or the proxy recipient as a creditor and the payment company as a debtor ,
Based on the previously stored data on the supplier finance contract, it is determined whether the received accrual record request data relates to the supplier finance service,
When it is determined that the received accrual record request data relates to the supplier finance service, and the creditor in the received accrual record request data is the supplier,
The received accrual record request data is updated, and the updating of the received accrual record request data is to change the creditor in the received accrual record request data from the supplier to the proxy recipient. ,
Causing the payment company's computer to send a first approval request notification for the updated accrual record request data,
Causing a first approval response to the first approval request notification to be received from a computer of the payment company;
A computer program comprising: causing a computer of an electronic bond recording agency to relay the updated accrual record request data in response to receiving the first approval response.

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