JP2019169119A - Method for settling electronically recorded receivables and claims management server - Google Patents

Abstract

To provide a method and system for settlement of electronically recorded claims that can be paid by debtors and creditors without increasing administrative burdens or administrative costs.SOLUTION: According to an embodiment of the present invention, a settlement method of the electronically recorded claims is provided in which an amount corresponding to the amount of the electronically recorded claim is transferred to a creditor's account, a discount fee equivalent to the discount fee of the electronically recorded claims from the account of a debtor of the electronically recorded claims; and the amount of the electronically recorded claim is withdrawn from the debtor's account. Further, according to an embodiment of the present invention, the amount corresponding to the amount of the electronically recorded claim is transferred to the creditor's account, the discount fee equivalent to the discount fee of the electronic recorded claims from the account of the debtor of the electronic recorded claims, and the amount of the electronic recorded claim from the debtor's account in a debt management server is provided to withdraw.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a method for settling an electronically recorded bond, and a system and server for realizing the method.

  In recent years, electronically recorded receivables have begun to be actively used as new monetary receivables for solving the problems of transaction settlement using bills and designated receivables held by companies. Electronically recorded receivables are receivables stipulated by the Electronically Recorded Receivables Act, and instead of the conventional bill drafts, the receivables are recorded by electronically recording the records of electronic receivables recording institutions through financial institutions such as banks. appear. Since the funds are transferred between financial institutions based on the records in the record ledgers, complicated work such as collection of receivables is not required, and the burden of stamp tax necessary for drawing bills is reduced and paperless It is possible to reduce administrative costs and effectively use human resources.

  As with bills, electronically recorded receivables can be discounted (hereinafter simply referred to as discounts). In this case, the creditor requests a financial institution to request a transfer record for transferring the electronic record receivable held by the creditor. After that, the financial institution purchases the electronic record receivable by deducting the interest from the receivable called a discount fee to the due date, and requests the electronic receivable recording institution for the transfer record. Patent Document 1 discloses a method and system for easily extracting electronic record receivables to be purchased from electronic record receivables held by creditors.

Japanese Patent No. 5936637

  By performing discounts, creditors can collect their loans and raise funds before the due date, but are forced to pay discounts. Based on this background, to better protect creditors, the operating standards of the Subcontractor Payment Delays Prevention Act (Subcontract Act) were revised in December 2016, and the burden of discounts on creditors (ie, subcontractors) was revised. ), Not the obligor (ie, the parent company).

  Based on such a background, the embodiment of the present invention also conforms to the revised operation standards of the Subcontract Act, and the discount fee is reduced by the debtor without increasing the administrative burden and management cost of the debtor or creditor. One of the issues is to provide a payment method and system for electronically recorded claims that can be paid.

  According to one embodiment of the present invention, an amount corresponding to the amount of the electronic record receivable is transferred to a creditor's account, and a discount fee equivalent to the discount fee of the electronic record receivable is transferred to the account of the debtor of the electronic record receivable. There is provided a settlement method for an electronically recorded receivable in which the amount of the electronically recorded receivable is withdrawn from the account of the debtor.

  According to one embodiment of the present invention, an amount corresponding to the amount of the electronic record receivable is transferred to a creditor's account, and a discount fee equivalent to the discount fee of the electronic record receivable is transferred to the account of the debtor of the electronic record receivable. A claim management server is provided that deducts the amount of the electronically recorded claim from the debtor's account.

  According to one embodiment of the present invention, an amount corresponding to the amount of the electronically recorded receivable is transferred to a computer to a creditor's account, and a discount fee equivalent fee corresponding to the discount fee of the electronically recorded receivable is transferred to the computer. A program is provided for debiting from an account of the borrower and causing the amount of the electronic record receivable to be deducted from the account of the debtor.

  When discounts for electronically recorded receivables are implemented by implementing the present invention, the discounter can be discounted by setting the entity that bears the discount fee as the debtor without increasing the administrative burden and management costs of the debtor or creditor. It is possible to effectively suppress the occurrence of difficult receivables.

It is a figure which shows the whole scheme of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the payment system which concerns on one Embodiment of this invention. It is a block block diagram of the bond management server of the payment system which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the example of a display in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the example of a display in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the example of a display in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the whole scheme of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the payment method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the payment method which concerns on one Embodiment of this invention.

  Hereinafter, a settlement method according to an embodiment of the present invention and a system for realizing the settlement method will be described. The following embodiments are examples of the embodiments of the present invention, and the present invention is not limited to these embodiments. Note that in the drawings referred to in this embodiment, the same portion or a portion having a similar function is denoted by the same reference symbol or a similar reference symbol (a reference symbol simply including A, B, etc. after a number) and repeated. The description of may be omitted.

<Embodiment 1>
Hereinafter, the settlement method according to the first embodiment of the present invention and a system for realizing the settlement method will be described.

[1. Overall scheme]
FIG. 1A shows the overall scheme of the settlement method for electronically recorded receivables according to this embodiment. In FIG. 1A, a debtor is a company that is in a position to request delivery of goods or services to creditors, while a creditor is in a position to provide goods or services to debtors. Company. Accordingly, the debtor is a paying company (paying company), and due to differences in business scale and contributions to goods and services, creditors are often positioned as subcontractors of debtors.

  When goods and services are delivered in accordance with a contract between the debtor and creditor, a credit is generated at that stage. In other words, the payer who is the debtor is obliged to pay for the goods and services to the creditor who is the subcontractor, and when the debtor is incurred, the creditor acquires the claim. Although details will be described later, the information related to the bond generated here is transmitted to the electronic bond recording institution through a financial institution in order to request a record of the generation of the bond. Electronic receivables are generated by receivables being recorded in a record book stored in a database held by an electronic receivables recording organization.

  When a creditor applies to a financial institution for a discount on electronically recorded receivables for early funding, the financial institution calculates interest up to the due date of the receivable and generates interest as a discount fee. The financial institution then purchases electronically recorded receivables for the amount of the receivables minus the discount fee (transfer price). In the conventional settlement method, the discount fee is borne by the creditor when discounting electronically recorded receivables, as with ordinary receivables. Creditors were therefore obliged to pay discounts in exchange for the benefits of early funding.

  On the other hand, in the settlement method of the present embodiment, the subject who bears the discount fee is the debtor. Therefore, financial institutions use electronic communication means to calculate the amount equivalent to the discount fee (discount fee equivalent fee) periodically (for example, every month, every few months, every six months, etc.) Regularly inform you that the discounted fee equivalent has been finalized. The creditor who receives the notification confirms the details on the communication network. As a result, the debtor can easily and accurately grasp the discount fee equivalent that must be paid for a certain period without increasing the administrative burden.

  Thereafter, the debtor pays the subcontracted company as a compensation fee through a financial institution on a fixed date. Specifically, as indicated by the dotted arrows in FIG. 1 (A), the discount fee equivalent is withdrawn from the account held by the debtor in the financial institution, and at the same time all or part of the discount fee to the creditor's account. Will be paid as a supplement. As a result, the creditor can collect the discount fee deducted at the time of discount, and as a result, the creditor can be carefully protected. At the same time, it is possible to urge the debtor to make corporate efforts to avoid paying the discount fee equivalent, and to improve management, and it becomes possible to effectively suppress the occurrence of late payments and difficult-to-discount receivables. Also, with this settlement method, neither creditors nor debtors need to use cash, so there is no procedural burden.

  Eventually, the principal of the electronic record receivable is withdrawn from the debtor's account to the financial institution on the payment date, and the receivable is paid off. When the bond is paid off, this information is transmitted from the financial institution to the electronic bond recording institution and recorded in the record book, and the electronic record loan disappears. A notice of the disappearance of the bond is sent from the electronic bond recording institution to the financial institution.

  In this series of schemes, financial institutions can also collect fees from debtors and creditors. Therefore, the financial institution can obtain a discount fee and a commission as a final profit.

  The credit institutions used by the creditors need not be the same. For example, the creditors may conduct transactions with a second financial institution different from the financial institution shown in FIG. In this case, as shown in FIG. 1 (B), the discount application by the creditor is made to the first financial institution that is the debtor's transaction financial institution, but the transfer fee and compensation fee are the first financial institution. The money is transferred from the institution to the second financial institution and then transferred to the creditor's account. That is, in the present specification and claims, the act of transferring money to the creditor's account is interpreted as including the act of transferring money to the creditor's account via another financial institution. Although not shown, the fee paid by the creditor is transferred from the creditor's account to the first financial institution through the second financial institution.

  In this embodiment, the notification that the discount fee equivalent fee has been finalized will be explained before the payment of the discount fee equivalent by the debtor. It may be made after payment. Moreover, the notification may not be performed. In this embodiment, the purchase of an electronic record receivable performed by a financial institution is performed after applying for a discount from a creditor of the electronic record receivable, but the present invention is not limited to this. For example, an agreement may be made in advance between the creditor and the financial institution that the financial institution comprehensively discounts the electronic record receivable acquired by the creditor. In this case, every time the creditor acquires an electronically recorded claim, the financial institution purchases the electronic claim without waiting for an application for a discount on the individual electronically recorded claim from the creditor.

[2. System configuration]
FIG. 2 shows a configuration diagram of the system 100 of the settlement method according to the present embodiment. As a basic configuration, the system 100 includes a credit management server 108 of a financial institution, a creditor communication terminal 104, a debtor communication terminal 104, and a recording server 110 of an electronic bond recording organization. As will be described later, the bond management server 108 is provided with various functions for realizing the settlement method.

  The creditor and the debtor transmit and receive data and information necessary for procedures such as requesting a record of occurrence of an electronically recorded bond and a discount application using the communication terminals 104 and 106, respectively. The communication terminals 104 and 106 are computing devices having a communication function, and may be notebook or stationary personal computers, or portable communication terminals such as tablet computers, smartphones, cellular phones, and personal digital assistants (PDAs). But it ’s okay.

  The recording server 110 is provided with a database 112. The recording server 110 receives the recording request transmitted from the financial institution, and registers the record, change, disappearance, etc. of the electronic record receivable in the record book stored in the database 112.

  The bond management server 108, the recording server 110, and the communication terminals 104 and 106 are all connected via the communication network 102, and data and signals are transmitted and received between these devices. The communication network 102 includes a wide area network such as the Internet. Further, in each of creditors, debtors, financial institutions, and electronic bond recording institutions, a local area network (LAN), IEEE 801.11 standard (for example, WiFi), Bluetooth ( It may also include networks over short-range and medium-range wireless communication links such as registered trademark links.

  FIG. 3 shows a block diagram of the bond management server 108. The bond management server 108 has an application programming interface (API) 120, and the bond management server 108 is connected to the communication network 102 through the API 120. Thereby, the bond management server 108 can communicate with the recording server 110 and the communication terminals 106 and 104.

  The bond management server 108 has a storage device 130 that functions as a database. The storage device 130 may be composed of a plurality of storage devices, and one storage device 130 may be divided into a plurality of areas (for example, areas 132, 134, 136, and 138) and managed and used. For example, the area 132 can store basic software for operating the bond management server 108 and software for executing the settlement method of the present embodiment.

  The area 134 can store basic information regarding a contract between a financial institution and its customers (ie, a debtor and a creditor). Specifically, the names of creditors and debtors (company names), customer numbers given by financial institutions (creditor customer numbers, debtor customer numbers), and user numbers given by electronic credit recording institutions (creditor use) Information such as the name of the main transaction financial institution of each creditor and debtor, its branch name, account name, account number, and the amount of commission paid to the financial institution. The area 136 can store data relating to the association between the creditor and the debtor. Specifically, the payee of the discount fee is stored together with the electronically recorded receivable number and the information of the creditor and the debtor. Note that the areas 134 and 136 do not necessarily need to be clearly distinguished, and these pieces of information may be stored and managed in one area.

  The area 138 functions as a database that is updated whenever a creditor applies for a discount. Specifically, after accepting an application for discount, data relating to the relevant bond is extracted from the areas 134 and 136 in accordance with an instruction of the control unit 122, and necessary data for corresponding to each application is stored. For example, information such as the number and amount of electronically recorded receivables specified by discount application, the due date of receivables, names of creditors and debtors, customer numbers, user numbers, discount fees, and the like are stored.

  The bond management server 108 is provided with an input unit 124, an output unit 126, a transmission / reception unit 128, etc., in addition to the control unit 122 that controls the operation of the bond management server 108. The control unit 122 includes, together with the main control unit 122a, a recording request / reception unit 122b, a determination unit 122c, a discount fee calculation unit 122d, a discount fee equivalent fee calculation unit 122e, a transfer / withdrawal instruction unit 122f, and the like. The main control unit 122a includes a processor such as a central processing unit (CPU), and controls various processes executed on the bond management server 108 by operating software stored in the area 132. The record request / reception unit 122b generates a signal for requesting the electronic bond recording organization to record the occurrence, disappearance, and transfer of the electronic record bond, and the record transmitted from the record server 110 when the record is completed. It has a function of generating a command for receiving the notification signal and updating the area 134. The determination unit 122c determines whether a discount application from the creditor's communication terminal 104 can be accepted by referring to the information stored in the areas 134 and 136. The discount fee calculation unit 122d calculates information on the receivables corresponding to the accepted discounts from the areas 134 and 136, calculates interest, and generates a signal for storing in the area 138 as a discount fee. The discount fee equivalent fee calculation unit 122e extracts data corresponding to each obligor from the data stored in the area 138, periodically calculates the discount fee equivalent fee, and generates an inquiry signal to be described later. The transfer / withdrawal instruction unit 122f generates a command (transfer signal, withdrawal signal) for executing a transfer or withdrawal to the creditor or debtor account. This command is managed by the financial institution via the transmission / reception unit 128 and transmitted to an account management server (not shown) for managing the customer's account, whereby transfer and withdrawal are executed.

  Note that some of these recording request / reception unit 122b, determination unit 122c, discount calculation unit 122d, transfer / withdrawal instruction unit 122f, and the like may be installed in, for example, an account management server. For example, the transfer / withdrawal instruction unit 122f may be installed in another server without being installed in the control unit 122. In this case, the control unit 122 transmits a corresponding command to the other server via the transmission / reception unit 128.

  The input unit 124 is a user interface used when inputting commands and information to the bond management server 108, and typically includes a keyboard, a touch panel, or a combination thereof. The output unit 126 provides various data stored in the storage device 130 as an image or printed matter, and is an output device such as a display such as a liquid crystal display or an organic electroluminescence display, or a printer. The transmission / reception unit 128 has a function of communicating with the debtor or creditor communication terminals 104 and 106 and the recording server 110 via the communication network 102. For example, the transmission / reception unit 128 receives a signal related to a discount application from a creditor.

[3. Registration of debtors and creditors]
Prior to the execution of the settlement method of the present embodiment, a debtor is registered (contracted) with a financial institution. Although not shown, the debtor applies to the financial institution for use registration of the service related to the electronic record receivable, and based on this application, the financial institution makes a credit decision for the debtor. When the credit is permitted, the debtor is registered with the financial institution, and not only the banking service provided by the financial institution using the claim management server 108 on the network but also the settlement method of the present embodiment is used. Electronically recorded receivables can be used. If registration has been completed as a creditor who has already been credited, only the registration update for using the settlement method of the present embodiment needs to be performed. When registration or registration renewal is performed, basic information regarding the contract of the debtor or creditor is stored in the area 134.

  Next, based on the agreement between the creditor and the debtor, an application is made to the financial institution to determine the relationship between the creditor and the debtor for each electronically recorded claim. Specifically, the obligor identifies the electronically recorded receivable that the creditor will be positioned as a subcontractor from the obligor's point of view, and financially provides information on the identified electronically recorded receivable (such as the electronically recorded receivable number). Provide to the institution and apply. The information provision can be transmitted as electronic data from the debtor communication terminal 106 to the bond management server 108. At this stage, the relationship that the creditor is a subcontractor and the debtor is a parent company is determined, and the entity that bears the discount fee is determined as the debtor. The information provided from the creditor is received by the transmission / reception unit 128 and stored in the area 136 in accordance with a command from the main control unit 122a.

[4. flow]
FIG. 4 shows a flowchart for executing the settlement method of the present embodiment. After the creditor and debtor are registered with a financial institution as described above, when the creditor wishes to discount the electronically recorded receivable, one or more of the electronically recorded receivables is specified and the financial institution is identified. On the other hand, a discount application for the specified electronic record receivable is applied (S210). Specifically, an application is made using a banking service provided by a financial institution on the network. When the transmission / reception unit 128 of the bond management server 108 receives the discount application, the main control unit 122a extracts information on the creditors and debtors of the electronically recorded claims from the areas 134 and 136, and stores them in the area 138 of the storage device 130. Store. For example, information such as an electronic bond record number and a claim amount, a due date, a customer number and a user number of the creditor and the debtor, and information that the bearer of the discount fee is the debtor is stored in the area 138. Thereafter, the determination unit 122c determines whether it is possible to accept a discount by using various parameters such as the due date of the receivable, the amount of the receivable, and the credit level. When it is determined that the discount can be accepted, the discount fee calculation unit 122d calculates interest from the period until the payment date of the electronically recorded receivable and the interest rate, and calculates this as a discount fee (S212). The discount fee calculation unit 122d generates a signal for storing information related to the discount fee in the region 138, and the discount fee is stored in the region 138 as data.

  Thereafter, the control unit 122 uses the transmission / reception unit 128 to notify the creditor that the discount has been accepted and the discount fee has been calculated using communication means such as e-mail (S214). The creditor who has received the notification can use the banking service to check the content related to the discount using the settlement method of the present embodiment on the communication terminal 104 of the creditor. An example of the display at this time is shown in FIG. As shown in FIG. 5, debtor information (obligor customer number, name, etc.), discount application details (number of cases, discount fees, etc.) and their details, transfer price transfer details, etc. are displayed on the screen. In addition, as illustrated in FIG. 5, along with these pieces of information, normal discounts, that is, information relating to electronically recorded receivables in which creditors bear the discount fee without using the settlement method of the present embodiment are also described. Good.

  After that, according to the command generated by the transfer / withdrawal command unit 122f, the transfer price of the discounted electronic record receivable is transferred from the financial institution to the creditor, and the electronic record receivable is transferred from the creditor to the financial institution. The financial institution requests the electronic bond recording agency to record the transfer of the electronic record receivable, and the transfer is recorded in the database 112 of the electronic bond record institution, thereby completing the transfer of the electronic record receivable between the creditor and the financial institution, Discount (S216) is established.

  As described above, in the settlement method of the present embodiment, the debtor bears the discount fee, and the total amount (the discount fee equivalent fee) is periodically notified to the debtor. Specifically, the discount fee equivalent fee calculation unit 122e searches the area 138, extracts the electronically recorded receivable for which the creditor should bear the discount fee equivalent fee, and calculates the discount fee equivalent fee. (S218). Furthermore, a fee for transferring the discount fee equivalent fee and for using the present settlement system may be extracted from the area 134 by the discount fee equivalent fee calculation unit 122e. Thereafter, the fact that these pieces of information can be used via the banking service is notified from the transmission / reception unit 128 to the debtor's communication terminal 106 using a communication means such as e-mail (S220).

  The debtor who received the notification can accurately grasp the discount fee equivalent fee on the debtor's communication terminal 106 using the banking service on the network. An example of the display at this time is shown in FIGS. As shown in FIG. 6, the discount fee equivalent fee, the withdrawal date, the total number of discounted electronic record receivables, etc. are displayed on the debtor's communication terminal 106. Further, a display as shown in FIG. 7 may be provided so that more detailed information can be confirmed on the communication terminal 106. In the example shown here, an electronic bond record number, creditor information, a discount fee, etc. are individually displayed for each electronic record bond.

  Thereafter, according to the instruction of the transfer / withdrawal instruction unit 122f, the discount fee equivalent fee is withdrawn from the debtor's account to the financial institution on a predetermined day, and the full amount or a part of the discount equivalent fee is paid to the creditor's account as a compensation fee The transfer is made from a financial institution (or through a second financial institution) (S222). Further, in accordance with an instruction from the transfer / withdrawal instruction unit 122f, a fee necessary for the transfer is withdrawn from the account of the creditor and debtor (S224). The compensation fee transferred here does not have to be the same amount as the discount fee paid by the creditor at the time of discount, and the former may be lower than the latter. In this case, the discount fee is paid by transferring the compensation fee multiple times.

  Through this series of flows, the creditor can recover from the debtor as a supplementary fee that was temporarily paid at the time of discount. In addition, since it is possible to give the debtor the motivation to build a policy to reduce the burden of discount equivalents, it is possible to effectively control the occurrence of late payments and difficult-to-discount receivables. It becomes possible.

  FIG. 8 shows data and data between the creditor's communication terminal 104, the debtor's communication terminal 106, the financial institution's bond management server 108, and the electronic bond recording institution's recording server 110 in carrying out the settlement method of this embodiment. It is a flowchart which shows transmission / reception of a signal. This figure shows a flowchart after registration of creditors and debtors is completed.

  First, creditors apply for discounts on electronically recorded receivables. Specifically, the communication terminal 104 transmits a discount application signal to the credit management server 108 of the financial institution (S230). The transmission / reception unit 128 of the bond management server 108 receives the discount application signal via the API 120 of the bond management server 108, and if necessary, the output unit 126 outputs information included in the discount application signal, for example, an electronically recorded bond held by the creditor Output information such as the number, discount date, and discount amount. Based on these pieces of information, the determination unit 122c determines whether a discount application is possible. When the determination unit 122c accepts the application, the result is transmitted to the discount fee calculation unit 122d, and the discount fee calculation unit 122d calculates the discount fee. Note that the discount fee may be calculated not by the discount fee calculation unit 122d but by another server owned by the financial institution.

  After the discount fee is confirmed, the transmission / reception unit 128 transmits a discount notification signal for notifying the creditor to that effect to the creditor's communication terminal 104 (S232). The discount notification signal does not necessarily include detailed information such as a discount fee, a discount date, and a discount price. After confirming receipt of this notification, the creditor can use the communication terminal 104 to access 108 via a banking service or the like to obtain detailed information.

  After that, the discount price after deducting the discount fee from the principal of the electronic record receivable is transferred to the creditor's account, and the electronic record receivable is transferred to the financial institution. Specifically, the transfer / withdrawal instruction unit 122f transmits a transfer signal to the account management server (S234). The transfer of the electronic record receivable is started when the transmission / reception unit 128 transmits the recording application signal generated by the recording request / reception unit 122b to the recording server 110 (S236). Complete by recording the application. After the transfer is recorded, the recording server 110 may transmit a recording notification signal for notifying the fact to the credit management server 108 of the financial institution (S238).

  The discount fee equivalent fee calculation unit 122e of the bond management server 108 periodically accesses the information stored in the area 138, and for each obligor, the number of the electronically recorded receivable and the discount fee equivalent fee that should be paid. , Extract creditor information, etc., and calculate the discount fee equivalent fee. These information are listed as shown in FIG. 6 and FIG. 7, and are provided to the debtor for browsing via the banking service or the like by the bond management server 108 under a certain security protection. Thereafter, the bond management server 108 transmits the inquiry signal generated by the discount fee equivalent fee calculation unit 122e to the communication terminal 106 of each debtor via the transmission / reception unit 128 (S240). Like the discount notification signal, the inquiry signal does not necessarily include detailed information such as the discount fee equivalent fee and the number of electronically recorded claims. After confirming the receipt of the inquiry signal, the debtor can access the bond management server 108 via the banking service or the like using the communication terminal 106 and browse the detailed information.

  Thereafter, a discount fee equivalent fee and a fee are withdrawn from the debtor's account on a predetermined date. That is, the transfer / withdrawal instruction unit 122f transmits a transfer signal and a withdrawal signal to the account management server (S242). As a result, all or part of the discount fee equivalent fee is transferred to the creditor's account as a compensation fee through the financial institution, and the fee is collected by the financial institution. The credit management server 108 uses the transmission / reception unit 128 to send a confirmation signal for notifying that the discount fee equivalent or the fee reduction, the discount fee transfer, etc. have been completed, to the creditor and debtor communication terminals 104 and 106. (S244, S246). Of the steps described above, S240 to S246 are periodically performed until the principal of the corresponding electronic record receivable is paid to the financial institution and the electronic record receivable disappears.

  When the due date of the electronically recorded receivable comes, the principal is withdrawn from the debtor's account and the electronically recorded receivable is paid off. That is, the transfer / withdrawal instruction unit 122f transmits a withdrawal signal for withdrawing the principal from the debtor's account to the account management server (S248). Thereafter, the record request / reception unit 122b generates an electronic record bond extinction application signal, and the transmission / reception unit 128 transmits this signal to the recording server 110 (S250). When the record server 110 records the fact of completion in the record book in the database 112, the electronic record receivable disappears. After the recording in the record original book is completed, the recording server 110 transmits a record notification signal for notifying the fact to the bond management server 108 (S252). If necessary, the claim management server 108 may transmit a report notification for notifying that the electronically recorded claim has disappeared to the debtor communication terminal 106 (S254).

  As described above, the subject of the discount charges for electronically recorded receivables is the creditor, and various settlement services have been developed based on this assumption. However, when the new operation standard of the Subcontract Act is followed, the conventional settlement service cannot cope with it, and a new settlement service needs to be developed.

  On the other hand, the settlement method and system of the present embodiment can cope with the case where the discount burden is either the creditor or the debtor. The payment service can be used continuously, the burden of payment work etc. can be reduced and human resources can be used effectively. Further, when the debtor bears the discount fee when discounting the electronically recorded receivable, the creditor can collect the discount fee temporarily paid at the time of discount from the debtor. In addition, the debtor can be motivated to develop measures to reduce the burden of discounted equivalent charges, effectively suppressing delays in payments and the occurrence of claims that are difficult to discount. It becomes possible. Therefore, it can be said that the embodiment of the present invention provides a settlement method and system that can appropriately reflect the purpose of the revision of the operational standards of the Subcontract Act in December 2016.

  In addition, when the debtor repays the claim with cash, on the due date of the claim, cash corresponding to the amount of the claim flows out from the debtor and flows into the creditor. On the other hand, when the settlement method or system of this embodiment is used, at the date of payment of the receivable, cash equivalent to the amount of receivable does not flow out from the debtor, and the debtor It is possible to delay until the due date of the record receivable. Therefore, when the settlement method and system of this embodiment are used, the cash flow of the debtor can be improved as compared with the case where the debtor repays the claim with cash.

  Also, in some factoring schemes, the factoring company pays the creditor on behalf of the debtor on the same date as the payment date, and the debtor then pays the factoring company on the payment date separately arranged with the factoring company. Money may be paid according to the payment of the receivable. In general, the obligation to pay money according to the repayment of the receivable is treated as a loan for the debtor's accounting. On the other hand, if the settlement method and system of this embodiment are used, the debtor's obligation to pay the electronic record receivable to the financial institution can be processed as an electronic record debt for the debtor's accounting process. It is possible to consider not processing. It can be said that the settlement method and system of this embodiment are excellent because one indicator of the soundness of management of the company is the balance between assets and borrowings.

<Embodiment 2>
Hereinafter, the settlement method according to the second embodiment of the present invention and a system for realizing the settlement method will be described. In addition, about the description which overlaps with description in Embodiment 1, it abbreviate | omits suitably.

[1. Overall scheme]
FIG. 9 (A) shows an overall scheme of the settlement method for electronically recorded receivables according to the present embodiment.

  Also in this embodiment, as in the first embodiment, the subject who bears the discount fee is the debtor. However, in the first embodiment, when a creditor applies to a financial institution for a discount on an electronically recorded receivable, the financial institution purchases the electronically recorded receivable with an amount less the discount fee that is interest until the due date of the receivable. , Periodically calculate the discount fee equivalent, notify the debtor periodically that the discount fee equivalent fee has been finalized, and the debtor paid the creditor as a supplementary fee through the financial institution .

  In contrast, in this embodiment, when a creditor applies to a financial institution for a discount on an electronic record receivable, first the financial institution does not subtract the discount fee from the amount of the electronic record receivable. Buy receivables. That is, the financial institution purchases the electronic record receivable with the amount (transfer price) of the electronic record receivable. Next, the financial institution periodically calculates a discount fee equivalent fee, periodically notifies the debtor that the discount fee equivalent fee has been determined, and the debtor pays the financial institution the discount fee equivalent fee. As in the method for settlement of electronic record receivables according to the first embodiment, the principal of the electronic record receivable is withdrawn from the debtor's account to the financial institution on the payment date, the receivable is paid off, and the information on the payment of the payable Is transmitted from the financial institution to the electronic record receivable recording institution and recorded in the record book, and the electronic record receivable disappears.

  Electronic record receivable discount usually means that the financial institution pays the balance after deducting the amount equivalent to the interest until the due date and purchases the electronic record receivable. In the description of the present embodiment, the discount of the electronic record receivable may be expressed as “discount” when the electronic record receivable is purchased without subtracting the discount fee from the amount of the electronic record receivable. .

  As with the first embodiment, the settlement method for electronically recorded receivables according to the present embodiment also periodically notifies the debtor that the discount fee equivalent fee has been established, which increases the administrative burden on the debtor. Therefore, it is possible to easily and accurately grasp the discount fee equivalent that must be paid in a certain period. Further, when a financial institution purchases an electronic record receivable, the financial institution purchases the electronic record receivable without deducting a discount fee from the amount of the electronic record receivable, so that the creditor can be protected with great care. At the same time, it is possible to urge the debtor to make corporate efforts to avoid paying the discount fee equivalent, and to improve management, and it becomes possible to effectively suppress the occurrence of late payments and difficult-to-discount receivables. Also, with this settlement method, neither creditors nor debtors need to use cash, so there is no procedural burden.

  In the present embodiment as well, as in the first embodiment, the financial institution can collect a fee from the debtor or creditor, so that the financial institution can obtain a discount fee and a fee as the final profit. In order to collect the fee from the creditor, the financial institution may take the method of collecting the fee from the creditor after purchasing the electronically recorded claim for the amount of the electronically recorded claim as described above, but this is limited to this. is not. For example, when a financial institution purchases an electronic record receivable, the fee may be collected from the creditor by purchasing the electronic record receivable at an amount obtained by subtracting the fee from the amount of the electronic record receivable.

  Also in the present embodiment, as in the first embodiment, the financial institutions used by the creditor and the debtor need not be the same. For example, the creditor may conduct a transaction with a second financial institution different from the financial institution shown in FIG. In this case, as shown in FIG. 9 (B), the discount application by the creditor is made to the first financial institution which is the debtor's transaction financial institution, but the transfer price is the first financial institution from the first financial institution. The money will be transferred to the financial institution 2 and then transferred to the creditor's account. That is, in the present specification and claims, the act of transferring money to the creditor's account is interpreted as including the act of transferring money to the creditor's account via another financial institution. Although not shown, the fee paid by the creditor is transferred from the creditor's account to the first financial institution through the second financial institution.

[2. flow]
FIG. 10 shows a flowchart for executing the settlement method of the present embodiment. As described in the first embodiment, after the creditor and the debtor are registered with the financial institution, when the creditor wishes to discount the electronically recorded claim, one or more of the electronically recorded claims to be held are specified. Then, an application for discount on the specified electronic record receivable is made to the financial institution (S310, corresponding to S210). When the transmission / reception unit 128 of the bond management server 108 receives the discount application, the main control unit 122a extracts information on the creditors and debtors of the electronically recorded claims from the areas 134 and 136, and stores them in the area 138 of the storage device 130. Store. Thereafter, the determination unit 122c determines whether it is possible to accept a discount by using various parameters such as the due date of the receivable, the amount of the receivable, and the credit level.

  When it is determined that the discount can be accepted, the discount fee calculation unit 122d calculates interest from the period until the payment date of the electronically recorded receivable and the interest rate, and calculates this as a discount fee (S312; corresponding to S212). The discount fee calculation unit 122d generates a signal for storing information related to the discount fee in the region 138, and the discount fee is stored in the region 138 as data.

  Thereafter, the control unit 122 uses the transmission / reception unit 128 to notify the creditor that the discount has been accepted and the discount fee has been calculated using communication means such as e-mail (S314, corresponding to S214).

  After that, in accordance with the command generated by the transfer / withdrawal instruction unit 122f, the transfer price equal to the amount of the electronically recorded receivable is transferred from the financial institution to the creditor, and the electronically recorded receivable is transferred from the creditor to the financial institution. To do. The financial institution requests the electronic bond recording agency to record the transfer of the electronic record receivable, and the transfer is recorded in the database 112 of the electronic bond record institution, thereby completing the transfer of the electronic record receivable between the creditor and the financial institution, Discount (S316) is established.

  In the settlement method of this embodiment, the debtor bears the discount fee, and the total amount (the discount fee equivalent fee) is periodically notified to the debtor. Specifically, the discount fee equivalent fee calculation unit 122e searches the area 138, extracts the electronically recorded receivable for which the creditor should bear the discount fee equivalent fee, and calculates the discount fee equivalent fee. (S318, corresponding to S218). Furthermore, a fee for transferring the discount fee equivalent fee and for using the present settlement system may be extracted from the area 134 by the discount fee equivalent fee calculation unit 122e.

  Thereafter, the fact that these pieces of information can be used via the banking service is notified from the transmission / reception unit 128 to the debtor communication terminal 106 using a communication means such as an e-mail (S320, corresponding to S220).

  Thereafter, in accordance with an instruction from the transfer / withdrawal instruction unit 122f, a discount fee equivalent fee is withdrawn from the debtor's account to the financial institution on a predetermined day (S322). Further, a fee required for the transfer or the like is withdrawn from the account of the creditor or debtor in accordance with the instruction of the transfer / withdrawal instruction unit 122f (S324, corresponding to S224).

  With this series of flows, the creditor can have the financial institution purchase the electronically recorded receivable without incurring a discount fee. In addition, as in the first embodiment, it is possible to give the debtor the motivation to construct a policy for reducing the burden of the discount fee equivalent fee. Can be suppressed.

  As described above, in the flow described with reference to FIG. 10, in order to collect the fee from the creditor, the financial institution collects the fee from the creditor after purchasing the electronically recorded credit with the amount of the electronically recorded credit. It was described as having taken the method. In contrast to this, when a financial institution purchases an electronically recorded bond, the flow in the case of purchasing an electronically recorded bond with an amount obtained by subtracting a fee differs from the flow described with reference to FIG. 10 in the following points.

  First, after the control unit 122 notifies the creditor that the discount has been accepted and the discount fee has been calculated using the transmission / reception unit 128 (S314), the electronic recording is performed according to the command generated by the transfer / withdrawal command unit 122f. The difference is that the transfer price, which is the amount of receivable minus the fee, is transferred from the financial institution to the creditor, and the electronically recorded receivable is transferred from the creditor to the financial institution. The second difference is that the fee is not deducted from the creditor's account (S324).

  FIG. 11 shows data and data among the creditor's communication terminal 104, the debtor's communication terminal 106, the financial institution's receivable management server 108, and the electronic receivables recording institution's recording server 110 in carrying out the settlement method of this embodiment. It is a flowchart which shows transmission / reception of a signal. This figure shows a flowchart after registration of creditors and debtors is completed.

  First, creditors apply for discounts on electronically recorded receivables. Specifically, the communication terminal 104 transmits a discount application signal to the credit management server 108 of the financial institution (S330, corresponding to S230). As in the first embodiment, after the transmission / reception unit 128 of the bond management server 108 receives the discount application signal, the determination unit 122c determines whether or not the discount application is possible and the determination unit 122c accepts the application. The unit 122d calculates a discount fee.

  After the discount fee is confirmed, the transmitting / receiving unit 128 transmits a discount notification signal for notifying the creditor to that effect to the creditor's communication terminal 104 (S332, corresponding to S232), as in the first embodiment.

  Thereafter, the same amount as the principal of the electronically recorded receivable is transferred to the creditor's account, and the electronically recorded receivable is transferred to a financial institution. Specifically, the transfer / withdrawal instruction unit 122f transmits a transfer signal to the account management server (S334). As in the first embodiment, the transfer of the electronic record receivable is started when the transmission / reception unit 128 transmits the recording application signal generated by the recording request / reception unit 122b to the recording server 110 (S336, corresponding to S236). 110 completes by recording this application in the record book in the database 112. After the transfer is recorded, the recording server 110 may transmit a recording notification signal for notifying the fact to the credit management server 108 of the financial institution (S338, corresponding to S238).

  As in the first embodiment, the discount fee equivalent fee calculation unit 122e of the claim management server 108 periodically calculates a discount fee equivalent fee for each obligor. Thereafter, the bond management server 108 transmits the inquiry signal generated by the discount fee equivalent fee calculation unit 122e to the communication terminal 106 of each debtor via the transmission / reception unit 128 (S340, corresponding to S240).

  Thereafter, the discount fee equivalent fee and the fee are deducted from the debtor's account on a predetermined date, and the fee is deducted from the creditor's account. That is, the transfer / withdrawal instruction unit 122f transmits a withdrawal signal to the account management server (S342). Thereby, the discount fee equivalent fee and the fee are collected by the financial institution.

  The credit management server 108 uses the transmission / reception unit 128 to send a confirmation signal for notifying that the discount fee equivalent or the fee reduction, the discount fee transfer, etc. have been completed, to the creditor and debtor communication terminals 104 and 106. (S344, S346, corresponding to S244, S246). Of the steps described above, S340 to S346 are periodically performed until the principal of the corresponding electronic record receivable is paid to the financial institution and the electronic record receivable disappears.

  As in the first embodiment, when the due date of the electronically recorded claim is reached, the principal is withdrawn from the account of the debtor, and the electronically recorded claim is paid off. That is, the transfer / withdrawal instruction unit 122f transmits a withdrawal signal for withdrawing the principal from the debtor's account to the account management server (S348, corresponding to S248). Thereafter, the recording request / reception unit 122b generates an electronic record bond extinction application signal, and the transmission / reception unit 128 transmits this signal to the recording server 110 (S350, corresponding to S250). When the record server 110 records the fact of completion in the record book in the database 112, the electronic record receivable disappears. After the recording in the record original book is completed, the recording server 110 transmits a recording notification signal for notifying the fact to the bond management server 108 (S352, corresponding to S252). If necessary, the receivable management server 108 may transmit a report notification for notifying that the electronically recorded receivable has disappeared to the communication terminal 106 of the debtor (S354, corresponding to S254).

  As described above, in the flow described with reference to FIG. 11, in order to collect the fee from the creditor, the financial institution collects the fee from the creditor after purchasing the electronically recorded credit with the amount of the electronically recorded credit. It was described as having taken the method. In contrast to this, when a financial institution purchases an electronic record receivable, the flow in the case of purchasing the electronic record receivable with an amount obtained by subtracting a fee differs from the flow described with reference to FIG.

  The first difference is that after the transmission / reception unit 128 transmits a discount notification signal to the creditor's communication terminal 104 (S332), the amount obtained by subtracting the fee from the principal of the electronically recorded credit is transferred to the creditor's account. The second difference is that no fees are deducted from the creditor's account.

  As in the first embodiment, the settlement method and system of the present embodiment can deal with cases where the burden of discounting is either a creditor or a debtor. The electronic payment service can be used continuously, the burden of payment work, etc. can be reduced and human resources can be used effectively. Further, when the debtor bears the discount fee when discounting the electronically recorded receivable, the creditor can collect the discount fee temporarily paid at the time of discount from the debtor. In addition, the debtor can be motivated to develop measures to reduce the burden of discounted equivalent charges, effectively suppressing delays in payments and the occurrence of claims that are difficult to discount. It becomes possible. Therefore, it can be said that the embodiment of the present invention provides a settlement method and system that can appropriately reflect the purpose of the revision of the operational standards of the Subcontract Act in December 2016.

  Moreover, if the settlement method and system of this embodiment are used, the debtor's cash flow can be improved compared to the case where the debtor repays the claim with cash, as in the first embodiment.

  Similarly to the first embodiment, when the settlement method or system of the present embodiment is used, the debtor pays the electronic record receivable to the financial institution for the debtor's accounting process as an electronic record debt instead of the borrowing. Processing can be considered.

  100: system, 102: communication network, 104: communication terminal, 106: communication terminal, 108: bond management server, 110: recording server, 112: database, 120: application programming interface (API), 122: control unit, 122a: Main control unit, 122b: recording request / reception unit, 122c: determination unit, 122d: discount fee calculation unit, 122e: discount fee equivalent calculation unit, 122f: transfer / withdrawal command unit, 124: input unit, 126: output unit 128: Transmission / reception unit 130: Storage device 132: Area 134: Area 136: Area 138: Area

Claims (11)

Transfer the amount corresponding to the amount of electronically recorded receivables into the creditor's account,
Withdraw a discount fee equivalent fee corresponding to the discount fee of the electronic record receivable from the debtor account of the electronic record claim,
A settlement method for an electronically recorded claim in which the amount of the electronically recorded claim is withdrawn from the account of the debtor.   The settlement method for an electronically recorded claim according to claim 1, further comprising transferring a compensation fee corresponding to the discount fee equivalent fee to an account of a creditor of the electronically recorded claim.   The method according to claim 2, wherein the amount corresponding to the amount of the electronic record receivable is an amount obtained by subtracting the discount fee from the amount of the electronic record receivable.   The method of claim 1, wherein the amount corresponding to the amount of the electronic record claim is the amount of the electronic record claim.   2. The method for settlement of an electronically recorded claim according to claim 1, wherein the amount corresponding to the amount of the electronically recorded claim is an amount obtained by subtracting a fee from the amount of the electronically recorded claim.   The settlement method for an electronically recorded claim according to any one of claims 1 to 5, further comprising withdrawing a fee from a debtor of the electronically recorded claim or a creditor's account. Further including receiving an application for a discount on the electronically recorded receivable from the creditor,
The payment method for an electronically recorded claim according to any one of claims 1 to 6, wherein the transfer of the amount corresponding to the amount of the electronically recorded claim to the creditor's account is executed by receiving the application.   The settlement method for electronically recorded receivables according to any one of claims 1 to 7, further comprising providing a notification to the debtor that the discount fee equivalent fee has been confirmed.   The settlement method for an electronically recorded claim according to any one of claims 1 to 8, further comprising: requesting the transfer record of the electronically recorded claim to an electronic claim recording organization. Transfer the amount corresponding to the amount of electronically recorded receivables into the creditor's account,
Withdraw a discount fee equivalent fee corresponding to the discount fee of the electronic record receivable from the debtor account of the electronic record claim,
A claim management server that withdraws the amount of the electronically recorded claim from the debtor's account. On the computer,
Transfer the amount corresponding to the amount of electronically recorded receivables into the creditor's account,
Withdraw a discount fee equivalent fee corresponding to the discount fee of the electronic record receivable from the debtor account of the electronic record claim,
A program for causing the electronically recorded receivable to be deducted from the debtor's account.

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