JP2022073528A - Unsecured funding system using self-settled trust and cache register used therefor - Google Patents

Abstract

To provide an unsecured funding system for providing a support to be able to unsecuredly raise a fund unaffected by short-term fluctuations in sales of affiliated stores by making undetermined future trade receivables self-settled trust.SOLUTION: In an unsecured funding system using self-settled trust relating to the present invention, a cache register installed in a store of a funding system affiliated store, an information processing server used by a proxy company of settlement and/or separate payments, and a system center server used by a funding company are connected through a communication network. The system center server sets a beneficial interest obtained by making a portion of future trade receivables self-settled trust by using achievement confirmed sales for a prescribed period of the store, determines the end or the extension of redemption of a beneficial interest, and notifies the cache register of a funding system affiliated store of a result.SELECTED DRAWING: Figure 2

Description

The present invention relates to an unsecured funding system that supports the setting and redemption processing of beneficiary rights in which undetermined future trade receivables are self-trusted, and the cash register used therein. It relates to an unsecured funding system that supports the setting and redemption processing of trust beneficiary rights of undetermined future trade receivables by self-trusting the department and a cash register with a sales determination function used for it.

Generally, even if sales are recorded as consideration for providing goods and services, it takes a certain amount of time for accounts receivable to be collected. For example, in a credit card payment system, it takes about 30 to 50 days for a member store of a credit card company to collect the sales price, and during this period, the sales cannot be used as liquidity funds on hand. There was an inconvenience. As a measure to improve store cash flow, the inventor will convert undetermined future credit receivables based on the sales performance of credit card payments for a predetermined period into bonds, which is unsecured and unaffected by short-term sales fluctuations of member stores. , Proposing a funding system for credit card member stores, and it is possible to secure abundant liquidity funds on hand at stores without being affected by fluctuations in sales (Patent Document 1). reference).

However, although the proposal of Patent Document 1 is useful in stores with a high credit card usage rate, it has the disadvantage that it cannot be effectively used in stores that mainly use cash payments and cashless payments using electronic money and / or smartphones. Had had.
In addition, in some cashless payments including credit card payments, there are many cases where a payment agent or a payment service provider has a transfer prohibition special provision on the sales receivables. In this case, the receivables are transferred to a financial institution. There was a problem that it was not possible to procure the necessary funds from such sources.

Therefore, a fund lending system has been proposed in which the necessary funds are lent to the seller without the transfer of the accounts receivable even when the receivables have a transfer prohibition special provision (see Patent Document 2). However, the proposal of Patent Document 2 provides funds from the lender by providing the beneficiary right to the lender by the seller self-trusting the accounts receivable to the seller caused by the individual sale and purchase each time the receivable is generated. Borrowing, on the specified elapsed date, the amount of the borrowed amount plus the specified fee is repaid, and if the sales fluctuate due to a temporary decrease in sales etc., the borrowed amount and the repayment amount will also be affected. , There is a problem that the cash flow is not stable.

On the other hand, the POS system (point-of-sale information management system), which is the core of retail distribution of stores, is based on network cooperation from stores and companies to companies and consumers with the progress and spread of information communication in recent years. It has been used in various ways, and sales registration, clearing, and sales aggregation / analysis have been improved (see Patent Document 3).

However, a technique for stably providing funds using a self-trust to a business operator who operates a store by linking a network-connected POS register and a funding system has not been proposed so far.

International Publication No. 2014/024520 Japanese Unexamined Patent Publication No. 2012-11361 Japanese Unexamined Patent Publication No. 2011-06540

The present invention has been made in view of the above-mentioned conventional problems, and an object of the present invention is to self-trust undetermined future trade receivables based on sales performance for a predetermined period not limited to a specific payment method. The purpose is to provide an unsecured funding system that helps merchants to raise unsecured funds that are not affected by short-term sales fluctuations.

The unsecured funding system using the self-trust according to one aspect of the present invention made to achieve the above object is a cash register installed in the store of the funding system member store and payment of the funding system member store. And / or the information processing server used by the separate payment agency and the system center server used by the funding company are connected by a communication network, and the undetermined future sales receivables of the funding system member store It is an unsecured funding system that supports the setting of beneficiary rights and redemption processing that is partially self-trusted, and the cash register of the funding system member store is for deposit / withdrawal processing, electronic payment acceptance, and money management. The sales processing device is provided with a sales processing device for totaling sales and storing aggregated data, aggregating fixed sales and storing aggregated data, and a sales management device for managing separate payments. The sales management device is the store. The sales totaling unit that aggregates the daily sales of the store, the fixed sales totaling unit that aggregates the fixed sales that have been settled and paid for the commercial transactions of the store, and calculates the fixed sales by period, and the funding. Aggregated data of daily sales and fixed sales by period are sent to the system center server and / or the information processing server via the communication network and the separate payment setting unit that calculates the separate payment amount to be paid to the business operator. The system center server uses the fixed sales for each period calculated by the cash register of the funding system member store, including the aggregated data of the above and the sales management communication unit for transmitting the separate payment amount. Calculate the actual fixed sales for a predetermined period of the funding system member store, set the target period for self-trusting the sales receivables expected to be generated in the future at the funding system member store, and correspond to the target period of the self-trust. Set the valuation amount of the beneficiary right for the self-trust of future sales receivables by multiplying the actual fixed sales for the previous fiscal year by the self-trust ratio, and save these in the database of the system center server. It is characterized by having a part.

The cash register according to one aspect of the present invention made to achieve the above object is used by the information processing server used by the agent for the settlement and / or the separate payment of the funding system member store, and the funding company. The above, which is connected to the system center server via a communication network and is used for an unsecured funding system that supports the setting and redemption processing of beneficiary rights in which a part of undetermined future sales receivables of the funding system member store is self-trusted. A cash register installed in a store that is a member of the funding system. The cash register is a sales processing device for processing deposits and withdrawals, accepting electronic payments, and managing money, as well as totaling sales and storing aggregated data. It is equipped with a sales management device for totaling fixed sales, storing aggregated data, and managing separate payments, and the sales processing device deposits and processes the money paid by the customer as the price for purchasing goods or services. A deposit / withdrawal processing unit for withdrawing change that is the difference between the price of goods or services, an electronic payment processing unit for making cashless payments using electronic money, debit cards, and credit cards, and each denomination. The sales management device includes a money management unit that calculates the number of change reserves and connects to the server of the police company and the server of the bank in a communicable manner. Calculates the fixed sales amount to be paid to the funding company, and the fixed sales totaling department that totals the fixed sales that have been settled and deposited in the commercial transaction of the store and calculates the fixed sales by period. Sales management communication unit for communicating with the separate payment setting unit, the information processing server of the payment and / or separate payment agency, and the system center server of the funding company via the communication network, and sales. Sales that store aggregated data, fixed sales aggregated data, and a funding data file that includes the ratio of self-trust among future sales receivables, the assessed amount of beneficiary rights for self-trust, the period covered by self-trust, and the start date of redemption of beneficiary rights. It is characterized by having a high management database and a sales management control unit that controls the entire sales management device.

According to the unsecured funding system using the self-trust of the present invention, the unsecured future trade receivables based on the sales performance for a predetermined period not limited to a specific payment method are self-trusted to the member stores of the funding system. The process for raising funds is automated. The member stores of the funding system will be able to easily secure liquidity funds on hand without being affected by fluctuations in sales due to payment methods, seasonal fluctuations, and the like. As a result, the funds can be used for new purchases, capital investment, etc., and there will be a margin for cash flow.
In addition, since the method of redeeming the beneficiary rights of the trust assets entrusted by the self-trust is a fixed rate repayment to the sales, at the stores that are members of the unsecured funding system according to the present invention, the sales due to a temporary decrease in sales, etc. It is possible to avoid the problem that redemption becomes difficult due to fluctuations.

It is a figure for demonstrating the scheme of the unsecured funding system using self-trust by one Embodiment of this invention. It is a block diagram for demonstrating the structure of the unsecured funding system by self-trusting the future trade receivables using the cash register by one Embodiment of this invention. It is a block diagram for demonstrating the configuration of the system center server shown in FIG. It is a block diagram for demonstrating the structure of the cash register installed in the funding system member store shown in FIG. It is a block diagram for demonstrating the structure of the sales processing apparatus of the cash register shown in FIG. It is a block diagram for demonstrating the structure of the sales management apparatus of the cash register shown in FIG.

Hereinafter, specific examples of embodiments for carrying out the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram for explaining a scheme of an unsecured funding system using a self-trust according to an embodiment of the present invention.

This scheme is based on the premise that a beneficiary right transfer contract for self-trusted trust assets will be concluded between a store that has joined the Funding System (hereinafter referred to as a Funding System member store) and a funding company. There is.

The flow of this scheme will be described with reference to FIG. The funding system member store 10 self-trusts undetermined future trade receivables, which will be described later, and transfers the beneficiary rights to the funding business operator 30, that is, sells them. The funding company 30 pays the transfer price of the beneficiary right related to the purchased self-trust to the funding system member store 10. As a result, the funding system member store 10 secures the necessary liquidity funds without collateral.

In the unsecured funding system 1 using the self-trust according to the embodiment of the present invention, the price received from the obligor (buyer) is deposited into the trust account of the funding system member store 10 and managed separately, and is predetermined. It is provided with a configuration in which deposits are made to the trust account of the funding system member store 10 and the deposit account of the funding company 30 at the ratio of.

In the present embodiment, all sales including sales by cash payment are deposited with the settlement and / or separate payment agency company 20, and the sales are separated from the funding system member store 10 and the funding company 30. It is a scheme to pay.
If a commercial transaction is conducted at the funding system member store 10 during the period covered by the self-trust of future trade receivables sold by the funding system member store 10 to the funding company 30, all sales including the commercial transaction by cash payment settlement will be made. Deposited with the agent 20 for settlement and / or separate payment.

The agent 20 for settlement and / or separate payment pays the payment to the funding system member store 10 for the payment that has been completed, and pays a predetermined percentage of the payment price to the beneficiary right of the self-trust of the future trade receivables. Will be paid to the funding company 30 as the redemption amount.
The redemption amount of the beneficiary right paid to the funding company 30 is the same as the assessed amount (transfer price) of the beneficiary right purchased by the funding company 30 and the accumulated redemption amount redeemed by the funding company 30. You can continue until you do.

In the scheme shown in FIG. 1, the funding system member store 10 entrusts the payment and / or separate payment agency 20 to perform payments other than cash payments for commercial transactions.
Further, the trust record from the stage of self-trusting future trade receivables to the completion of redemption following the transfer of the beneficiary right pertaining to the self-trust is registered and processed by using the electronic receivables recording institution 50.

The agent 20 for settlement and / or separate payment may be a financial institution such as a bank or a trust bank, or may be a collaboration with a financial institution such as a bank or a trust bank.
The agent 20 for payment and / or separate payment is other than cash payment such as credit card payment, electronic money payment, bank transfer payment, bank account transfer payment, convenience store payment, cash on delivery payment, etc. for product sales at the funding system member store 10. Settlement on behalf of.
Sales of goods or services at the funding system member stores 10 are not limited to sales at physical stores, but also include sales on business trips at other locations and sales at virtual stores such as Internet stores, and are settled and / or sold separately. The business operator 20 acts on behalf of all payments other than cash payments associated with the sale of goods or services at the funding system member store 10.
The funding system member store 10 also entrusts the payment and / or separate payment agency company 20 to separately pay the payment to the funding system member store 10 and the funding company 30 for the sales proceeds that have been settled. ing.

In the scheme shown in FIG. 1, the sales of the funding system member store 10 including the cash payment settlement are all settled and / or the settlement / separate payment agency account (managed as a trust account) of the agency 20 for the separate payment. The agent 20 for settlement and / or separate payment is paid to the funding system member store 10 for the payment that has been settled, and the amount of the predetermined percentage of the settlement price is redeemed by the self-trust. As a payment to the funding company 30.
The deposit of cash settlement sales to the settlement / separate payment agency account may be deposited by the funding system member store 10 by itself or may be entrusted to a money carrier, using a cash register with a safe function. May be good.

FIG. 2 is a block diagram for explaining a configuration of an unsecured funding system based on a self-trust of future trade receivables using a cash register according to an embodiment of the present invention.

As shown in FIG. 2, in the unsecured funding system 1 by self-trust of future trade receivables according to the present embodiment, the cash register 100 installed in the funding system member store 10 and the funding system member store 10 settle and / or. Alternatively, the information processing server 200 of the payment and / or separate payment agency 20 that outsources the separate payment, and the system center server 300 used as the information processing server of the funding company 30 are on the Internet or a public line network. It is connected so as to be communicable via a communication network 5 such as a dedicated line.

Each of the cash register 100, the information processing server 200, and the system center server 300 is a trading bank of a funding system member store 10 (not shown), a trading bank of a settlement and / or separate payment agency business 20, and a funding business. Communication is possible via a communication network with 30 transaction banks, credit card companies, electronic money payment companies, banks with virtual accounts, convenience store payment companies, cash on delivery payment / logistics companies, and other information processing servers 400. Be connected.

The funding system 1 according to the present embodiment is the sales amount (hereinafter referred to as fixed sales amount) for which the settlement is confirmed within a predetermined period by the cash register 100 capable of confirming that the settlement of the commercial transaction is completed. ), And the beneficiary right is set for the trust assets in which the future trade receivables calculated based on the aggregated fixed sales (hereinafter referred to as actual fixed sales) are self-trusted.
Therefore, the cash register 100 according to the present embodiment may have a configuration corresponding to a POS (Point Of Sale: point-of-sale information management) system.

To confirm that the settlement of commercial transactions has been completed, in the case of cash payment settlement, the price is deposited in the cash register 100, the change is withdrawn and the settlement is completed, and the amount registered for sales and the amount stored in the cash register 100 increase. Confirmed when the minutes match.
For example, when receivables such as payments are made, only the paid amount is recorded as fixed sales, and the receivables are added to the fixed sales when they can be collected.

For sales confirmation in the case of payment by electronic money using a card, smartphone, etc. and debit card, approval of payment for the sales from the electronic money payment business operator or financial institution via the reader provided in the cash register 100, That is, when payment is received by immediate withdrawal of the price, it is recorded as fixed sales.

The sales to be recorded as fixed sales are only the amount for which payment can be confirmed, and in the case of installment payment, the amount paid for each installment payment is recorded as fixed sales when payment is confirmed. do.
For bank transfer payments, bill payments, etc., the amount paid will be recorded as fixed sales when it is confirmed that the payment has been transferred or redeemed.
In addition, the fixed sales are recorded after deducting the commission of the agency company 20 for settlement and / or separate payment.

The fixed sales are aggregated by the cash register 100 installed in the funding system member store 10, and the aggregated fixed sales actual data (hereinafter referred to as actual fixed sales data) is stored in the database of the cash register 100. Stored.

The actual sales data stored in the cash register 100 is used to set the valuation amount for the beneficiary right of the self-trust portion of the future trade receivables in the funding system according to the embodiment of the present invention and the target period of the self-trust. Used. However, the present invention is not limited to this. The fixed sales are recorded in the payment record of the bank account of the funding system member store 10 and the accounting software used by the funding system member store 10, in which the monthly settlement amount from the settlement agent for cashless settlement is described. The generated sales data (including cashless sales and cash sales) may be collected in a form referred to by the system center server 300 of the funding company 30, which will be described later.

(System center server of funding company)
FIG. 3 is a block diagram for explaining the configuration of the system center server 300 shown in FIG.

The system center server 300 shown in FIG. 3 is used as an information processing server of the funding company 30, and includes a communication unit 305, a database 310, a self-trust setting unit 320, and a redemption management unit 330. The system center server 300 is via the cash register 100 of the funding system member store 10, the information processing server 200 of the payment and / or separate payment agency 20 and the communication network 5 such as the Internet, the public line network, and the dedicated line. Be connected.

The system center server 300 can be configured by using a commercially available PC (personal computer) or the like, and has a CPU (central control unit), a memory, a storage device such as a hard disk constituting a database, and an image for management. It includes a display device for displaying texts and the like, an input device such as a keyboard and a mouse, and other input devices related to communication, but since these are well-known techniques, their description and configuration diagram will be omitted. Further, detailed description of each component that functions by executing a software program using these hardware will be omitted.

The communication unit 305 is an information processing server (not shown) provided in the cash register 100 of the funding system member store 10, the information processing server 200 of the payment and / or separate payment agency business 20, and the main bank of the funding business 30. ), Etc., mail server business, FTP processing, telephone, FAX, and dedicated line communication processing including LAN, etc. are managed in general.

The database 310 includes a funding system member store database 311 that stores funding system member store information, a settlement and / or separate payment agency database 312 that stores payment and / or separate payment agency information, and funding. It includes a fixed sales record database 313 that stores the actual data of the fixed sales of the system member stores, and a daily sales database 314 that stores the sales data of daily commercial transactions of the funding system member stores.

The funding system member store database 311 that stores the funding system member store information includes the member store code, name, address, telephone number, FAX number, person in charge name, person in charge email address, etc. for each member store of the funding system. Funding system of member stores and transfer bank code of each member store, transfer bank name, transfer bank branch code, transfer bank branch name, transfer account type, transfer account number, transfer account name, self-trust beneficiary right information, A data file containing the contract date, the assessed amount of the beneficiary right of the self-trust, the start date of redemption of the beneficiary right of the self-trust, etc. is saved.

In the settlement and / or separate payment agency database 312 that stores the settlement and / or separate payment agency information, the distribution code, name, and fund management charge for each settlement and / or separate payment agency. A data file containing the bank code of the bank, the bank branch code, the account type, the bank data in charge of operation such as the account number, etc. is saved.

Store performance The confirmed sales performance database 313, which stores the fixed sales data, contains the sales date, transaction code, number of sales, payment type, payment completion date, and sales for each member store of the funding system. A data file containing totals etc. is saved.

The daily sales database 314, which stores store sales data, contains the sales date, transaction code, number of sales, settlement type, scheduled settlement completion date, total sales, etc. for each funding system member store. The included data file is saved.

The self-trust setting unit 320 sets the reception unit 321 that receives funding application information from the cash register 100 of the funding system member store 10, the assessed amount of the beneficiary right of the self-trust among future trade receivables, and the redemption start date. Beneficiary right setting unit 322, beneficiary right transfer from the funding system member store, setting the beneficiary right purchase price setting unit 323, and the trust setting notification unit that notifies the funding system member store of the contents of the set self-trust. It has 324.

When the reception unit 321 receives a new funding application from the cash register 100 of the funding system member store 10, the reception unit 321 is a fan of the member store code, name, address, telephone number, FAX number, person in charge name, person in charge email address, etc. Data of Ding system member stores and transfer bank code of each member store, transfer bank name, transfer bank branch code, transfer bank branch name, transfer account type, transfer account number, transfer account name, desired self-trust target period and desired self-trust The amount and the actual sales data for the past one year are acquired and stored in the database 310.
The actual sales data is obtained from the cash register 100 of the funding system member store 10, or the payment record of the transfer account of the transfer bank of the funding system member store or the accounting used by the funding system member store 10. You may inquire and acquire the sales record recorded in the software.

The beneficiary right setting unit 322 calculates the previous year's actual fixed sales corresponding to the desired self-trust target period by using the desired self-trust target period and the previous year's actual fixed sales data stored in the database 310.
Next, the beneficiary right setting department 322 divides the previous year's actual sales that correspond to the desired self-trust target period by the desired self-trust amount applied by the funding system member store, and the previous year's actual sales. Calculate the ratio of the desired self-trust amount to.

If the ratio of the desired self-trust amount to the calculated sales of the previous year's actual fixed sales is greater than 1, that is, if the desired self-trust amount exceeds the previous year's actual fixed sales of the desired self-trust target period, the calculation target By extending the period, the corresponding previous year's actual sales are calculated and the ratio of the desired self-trust amount to the previous year's actual sales is calculated, and the ratio of the desired self-trust amount to the previous year's actual sales is 1. Repeat until smaller than.
In the above calculation, the extension of the calculation target period is preferably extended by one month, and the self-trust target period is preferably one year or less.

When the beneficiary right setting department 322 finds a target period in which the ratio of the desired self-trust amount to the actual sales of the previous year is smaller than 1, it sets that period as the self-trust target period and sets the desired self-trust amount in the future. Set the valuation amount of the beneficiary right of the self-trust of the trade receivables, and divide the valuation amount of the beneficiary right of the self-trust of the future trade receivables by the performance confirmation sales of the previous year corresponding to the period covered by the self-trust. These values are set as the self-trust ratio, and these are stored in the database 310.
The redemption start date is not particularly limited as long as it is after the day after the start date of the self-trust target period, but it is the month following the start month of the self-trust target period in correspondence with the payment time of the agent for settlement and / or separate payment. It is preferable to do so.

The period covered by the self-trust is not particularly limited, but it is usually set to one year, and the target period is three months, six months, etc. for the purpose of raising liquidity funds on hand in response to the busy season. May be set. In addition, the period covered by the self-trust is preferably set on a monthly basis for ease of trust setting and redemption management.
The self-trust ratio is not particularly limited, but is usually 10% to 30%, and the self-trust ratio also corresponds to the beneficiary right redemption ratio of the store's sales during the period covered by the self-trust. In order to prevent a shortage of liquid funds, it is preferable to set an upper limit on the self-trust ratio, and the upper limit of the self-trust ratio is a value equivalent to 50% of the actual fixed sales of the previous year corresponding to the period covered by the self-trust. It is preferable to do so.

The beneficiary right purchase price setting unit 323 sets the beneficiary right purchase price from the funding system member store by subtracting the commission and interest from the assessed amount of the beneficiary right of the self-trust of the future trade receivables, for example, the self-trust. The redemption start date is set on the day after the start date of the target period and stored in the database 310.
The beneficiary right setting unit 322, the beneficiary right purchase price setting unit 323 set and the self-trust beneficiary right assessment amount, the self-trust ratio and the beneficiary right redemption ratio, the redemption start date, and the purchase price are stored in the database 310. As the funding underwriting information, it is transmitted from the trust setting notification unit 324 to the cash register 100 of the funding system member store via the communication unit 305.

Next, the functions and operations of the redemption management unit 330 of the system center server 300 according to the present embodiment will be described.

The redemption management unit 330, which manages the redemption of the beneficiary rights of the self-trust of the future trade receivables, is the redemption target selection unit 331 that selects the redemption target transaction data, the redemption amount setting unit 332 that calculates the daily redemption amount, and the redemption. It has a redemption status determination unit 333 that determines the end and extension of the redemption period, and a redemption notification unit 334 that notifies the redemption amount, the end of redemption, and the extension of the redemption period.

When a transfer contract for purchasing the beneficiary rights of the self-trust is concluded between the funding system member store 10 and the funding company 30, and the self-trust target period corresponding to the beneficiary rights starts, the system center server 300 is contacted. Is transmitted from the cash register 100 of the funding system member store to the daily sales data of the store after the start of the self-trust target period.

The system center server 300 sorts the received daily sales data of the store into redemption target transaction data, redemption target final transaction data, and non-redemption target transaction data in the redemption target selection unit 331 of the redemption management unit 330, and these data. Save the file in database 310.

To select the transaction data to be redeemed, the transaction amount is accumulated in chronological order for the daily sales data of the funding system member stores after the start of the self-trust target period, regardless of the settlement method and payment time, and the beneficiary right is added to the accumulated amount. The transaction data at the time when the amount multiplied by the redemption ratio becomes equal to or greater than the assessed amount of the beneficiary right is used as the final transaction data to be redeemed, and the transaction data in which the cumulative amount multiplied by the beneficiary right redemption ratio is less than the assessed amount of the beneficiary right is used. Transaction data subject to redemption is used, and transaction data after the final transaction data is used as transaction data not subject to redemption.

The redemption amount setting unit 332 multiplies the daily sales by the redemption ratio (the same ratio as the self-trust ratio) based on the redemption target transaction data and the redemption target final transaction data selected by the redemption target selection unit 331. Set the amount and save it in the database 310.
For the final transaction data subject to redemption, the transaction amount equivalent to the amount equivalent to the assessed amount of the beneficiary right shall be the transaction amount subject to redemption, and the redemption amount and the assessed amount of the beneficiary right shall be the same amount.

When the daily redemption amount set by the redemption amount setting unit 332 includes the final transaction data to be redeemed, the redemption status judgment unit 333, which determines the end of redemption, terminates the redemption of the beneficiary right and the self-trust target period has passed. However, if the daily redemption amount does not include the final transaction data to be redeemed, the redemption period will be extended.
The redemption period will continue to be extended until the daily redemption amount includes the final transaction data subject to redemption.

The redemption notification unit 334 determines whether or not the redemption of the beneficiary right has been completed and the redemption period has been extended as determined by the daily redemption amount set by the redemption amount setting unit 332 and the redemption status determination unit 333 in the cash register of the funding system member store 10. Notify 100 via the communication unit 305 as a daily redemption amount notification.

The daily redemption amount notification notified from the redemption notification unit 334 to the cash register 100 of the funding system member store 10 via the communication unit 305 is the daily redemption amount, whether or not the redemption of the beneficiary right has been completed, and the extension of the redemption period. In addition to the presence or absence, the assessed amount of beneficiary rights for the self-trust of future trade receivables, the self-trust ratio, the period covered by the self-trust, the redemption start date, the cumulative redemption amount including the redemption on the day, and the redemption balance are included.

The system center server 300 also cooperates with a security monitoring system using a monitoring device such as a security camera or a microphone installed in or near the main body of the cache register 100 to monitor the fraudulent activity of the funding system member store 10. It is preferable to have an operation information acquisition unit and an operation information database.

The operation information acquisition department set the forecast sales range based on the actual sales data of the funding system member stores 10, and the daily sales report outside the forecast sales range was issued from the cash register 100 to the system center server 300. In this case, the operation information acquisition unit requests the server of the security monitoring system to transmit monitoring information including video and audio of the cash register 100 and its vicinity corresponding to the store business hours of daily sales outside the predicted sales range. send.
The forecast sales range can be set, for example, at 50% or more of the average value of sales in the same period of the previous year.

The operation information acquisition unit stores the monitoring information transmitted from the server of the security monitoring system in the operation information database, notifies the server of the operation information management department of the funding company 30 of the monitoring information check request, and also caches it. Notify the register 100 of the monitoring information check.

By linking the system center server 300 and the crime prevention monitoring system in this way, the funding company 30 can quickly grasp and respond to the situation of the funding system member store 10. In addition, by linking with the crime prevention monitoring system, it is possible to check and prevent fraudulent activities of the funding system member stores 10.
Further, the monitoring device installed in or near the main body of the cache register 100 may always transmit monitoring information including video and audio of the cache register 100 and its vicinity to the system center server 300. The system center server 300 that has received the monitoring information sends the monitoring information to the server (not shown) of the operation information management department of the funding company 30 at all times or based on an arbitrary standard to check the monitoring information. Make a request.
By constantly checking the monitoring information of the cash register 100, the funding company 30 can visualize the sales status of the funding system member store 10 by voice and image, and prevent fraudulent acts regarding sales. , The reliability of the funding system can be improved.

(Cash register of funding system member store)
FIG. 4 is a block diagram for explaining the configuration of a cash register installed in the funding system member store shown in FIG. 2.

In FIG. 4, the cash register 100 is settled via the server 200 of the agent 20 for payment and / or the separate payment, the system center server 300 of the funding company 30, and the communication network 5 such as the Internet, a public line network, and a dedicated line. It is provided with a sales processing device 120 that is connected to the Internet and performs deposit / withdrawal processing, electronic payment reception, and money management, and a sales management device 140 that aggregates sales and fixed sales, stores data, and manages separate payments.

The sales processing device 120 deposits and withdraws money paid for the customer to purchase the goods or services, and also withdraws change that is the difference between the deposited money and the price of the goods or services. The processing unit 121, the electronic payment unit 122 for performing cashless payment and credit card payment using electronic money and debit cards using cards, smartphones, etc., and the number of change reserves for each denomination are calculated and not shown. It has a money management unit 123 that is communicably connected to the server of a police carrier and the server of a financial institution such as a bank.

The sales management device 140 includes a sales totaling unit 141 that aggregates daily sales of stores, a fixed sales totaling unit 142 that aggregates fixed sales of stores, and a separate payment amount and separate payments to be paid to the funding company 30. Sales management, which is an interface unit for communicating with the separate payment setting unit 143 that sets the reserved amount for payment, the server 200 of the settlement and / or agency payment business operator 20, and the system center server 300 of the funding business operator 30. It has a communication unit 144, a sales management database 145 that stores aggregated daily sales and aggregated fixed sales, and a sales management control unit 146 that controls a sales management device.
The sales processing device 120 and the sales management device 140 of the cash register 100 may be integrated, may be arranged side by side and directly connected, or may be installed separately and connected by an in-store bus (BUS).

Regarding the cash register according to the embodiment of the present invention, first, the configuration of the sales processing apparatus 120 will be described.

FIG. 5 is a block diagram for explaining the configuration of the sales processing device of the cash register shown in FIG.

The deposit / withdrawal processing unit 121 printed the deposit / withdrawal processing display unit 1211 which is a display device such as a display device or a liquid crystal panel, the deposit / withdrawal processing input unit 1212 which is an input device such as a keyboard, a ten key, or an operation key, and the settlement result. Printing unit 1213 that issues receipts, bar code reader 1214 that reads product bar codes, deposit / withdrawal processing communication unit 1215 that is an interface unit for communicating with sales management device 140, banknote storage, denomination identification, authenticity judgment. , And the banknote processing unit 1216 that performs counting processing, the coin processing unit 1217 that performs coin storage, denomination identification, authenticity determination, counting processing, etc., and the coin processing unit 1217 that stores coins for replenishment. It has a bar money management unit 1218 to be managed and a deposit / withdrawal processing control unit 1219 to control the deposit / withdrawal processing unit 121.

The banknote storage unit of the banknote processing unit 1216, the coin storage unit of the coin processing unit 1217, and the coin-roll coin storage unit of the coin-roll management unit 1218 are used as a cash register vault (not shown) for collectively storing coins. It is preferable that it is stored.
Further, it is preferable that each of the banknote processing unit 1216, the coin processing unit 1217, and the coin-roll management unit 1218 is provided with a money processing device for operating money in and out of the cash register safe unit.
At the end of business on that day or at the end of counting the daily sales of the cash register, the cash register vault is taken out of the cash register and transferred to a daily sales storage place such as a bank safe deposit box.
In the cash register that enters the next working day after the daily sales count ends, a separate cash register vault containing coins, coins, and banknotes for change withdrawal processing is carried into the cash register. ..

The electronic payment unit 122 setstles the electronic payment reading unit 1221, which reads the card information or identification code from the customer's credit card, debit card, smartphone, etc., the payment data including the card information or identification code, the payment amount, and the payment approval request. And / or has an electronic payment communication unit 1222 for transmitting to the information management server 200 of the proxy payment business operator 20, and an electronic payment control unit 1223 for controlling the electronic payment unit 122.

The money management unit 123 is a money management first unit that is an interface unit for communicating with a money management display unit 1231 which is a display device, a money management input unit 1232 which is an input device, a deposit / withdrawal processing unit 121, and a sales management device 140. Money management second communication unit 1234, which is an interface unit for communicating with the communication unit 1233, the system center server 300 outside the store, the server of the police carrier, etc. via the communication network 5 such as the Internet, public line network, and dedicated line. , It has a money management control unit 1235 that controls the entire money management unit 123.

When the cash register safe unit is carried out, the money management control unit 1235 transmits the safe unit carry-out information to the system center server 300 via the money management second communication unit 1234, and a separate cash register safe unit is carried in. If so, the safe unit carry-in information is transmitted to the system center server 300 via the money management second communication unit 1234.
The vault carry-out information includes carry-out date and time information and warehousing amount information at the time of unloading, and the vault carry-in information includes carry-in date and time information and warehousing amount information at the time of carry-in.

FIG. 6 is a block diagram for explaining the configuration of the sales management device for the cash register shown in FIG.

The sales management device 140 of the cash register 100 installed in the funding system member store has a sales totaling unit 141, a fixed sales totaling unit 142, a separate payment setting unit 143, a sales management communication unit 144, and a sales management database. It has 145, sales management control unit 146, aggregates sales and fixed sales of stores, stores data, and sets a separate payment amount and a reserved amount for separate payment.

The sales management device 140 can be configured by using, for example, a commercially available PC (personal computer), and can be configured as a storage device such as a CPU (central control device), a memory, and a hard disk that constitutes a database, and can be managed. For the purpose, explanations and configuration diagrams of display devices for displaying images, texts, etc., input devices such as keyboards and mice, and other input devices related to communication are omitted. In addition, detailed description of each component that functions by executing a software program using these will be omitted. However, the present invention is not limited to this, and the sales management device 140 may be integrated with the sales processing device 120 and configured as a so-called POS register (or also referred to as a POS register). Further, the sales management device 140 may be configured by a system in which a tablet PC and a cloud server are linked.

The sales totaling unit 141 aggregates each data of cash settlement sales, electronic settlement sales, and virtual store sales transmitted from the sales processing device 120 via the sales management communication unit 144, and creates a daily sales report. It is stored in the sales management database 145.
The sales management control unit 146 that controls the sales management device 140 setstles and / or separates payments on behalf of the daily sales report stored in the sales management database 145 via the sales management communication unit 144. Notify the information processing server 200 of the person and the system center server 300 of the funding company.

The fixed sales totaling unit 142 determines the payment type, whether or not payment is completed, and payment for each data of cash settlement sales, electronic settlement sales, and virtual store sales transmitted from the sales processing device 120 via the sales management communication unit 144. For the scheduled settlement completion date of unfinished sales, these sales data are classified, and the sales for which settlement and payment are completed are counted as fixed sales.

The information processing server 200 of the settlement and / or separate payment agency 20 sells the payment confirmed settlement completion notification when the payment of the sales price is confirmed for the sales that have not been confirmed due to the payment not completed. It is transmitted to the high management device 140.
When the fixed sales totaling unit 142 receives the payment confirmed settlement completion notification via the sales management communication unit 144, it counts as fixed sales for each settlement completion date.
The fixed sales totaling unit 142 aggregates the counted fixed sales as fixed sales by period such as daily and monthly, and stores the aggregated data in the sales management database 145.

The separate payment setting unit 143 sets the separate payment amount setting unit 1431 for setting the separate payment amount to be paid to the funding company 30, and the separate payment agent 20 for the separate payment corresponding to the cash payment settlement sales. It has a reservation amount setting unit 1432 that sets the reservation amount to be deposited in.

The segregated payment amount setting unit 1431 sets the segregated payment amount to be paid to the funding company 30 by using the self-trust target period, the self-trust ratio, and the daily sales data of future trade receivables stored in the sales management database 145. do.
The segregated payment amount to be paid to the funding company 30 is obtained by multiplying the daily total sales within the period covered by the self-trust by the self-trust ratio. The separate payment amount setting unit 1431 stores the set separate payment amount in the sales management database 145.

In the unsecured funding system using the self-trust of future trade receivables shown in FIG. 1, all sales including cash payment settlement are settled and / or the agency account for the separate payment of the separate payment agency 20. Will be credited to.

The sales management communication unit 144 communicates with the information processing server 200 of the payment and / or separate payment agency 20 and the system center server 300 of the funding company 30 via the Internet, a public line network, a dedicated line, or the like. This is an interface unit for communicating via the network 5.

The sales management database 145 includes a daily sales report, a sales summary database 1451 that stores a sales summary data file, a fixed sales by period, a fixed sales summary database 1452 that stores a fixed sales summary data file, and future sales. Funding database 1453, which stores funding data files such as self-trust ratio of receivables, contract date, beneficiary right assessment amount of self-trust among future sales receivables, beneficiary right redemption start date of self-trust, settlement and / or It has a separate payment database 1454 that stores data files related to separate payment agency data, separate payments, and reservations.

The sales management control unit 146 controls the entire sales management device.
When a funding system member store applies for a new funding, the sales management control unit 146 is added to the system center server 300 of the funding company 30 and to the sales management database 145 via the sales management communication unit 144. Send the stored fixed sales data file by period.
When the funding underwriting information for the new funding applied for is received from the system center server 300 of the funding company 30, the content is displayed on the display device. When the sales management control unit 146 receives a new funding decision input from the owner (business operator) of the funding system member store, the decision notification is sent to the system of the funding company 30. At the same time as transmitting to the center server 300, the electronic credit recording institution 50 is requested to record the occurrence of the self-trust based on the funding underwriting information.
The sales management control unit 146 settles the daily sales report, the daily segregated payment amount, and the reserved amount stored in the sales management database 145 via the sales management communication unit 144 within the period covered by the self-trust. And / or notify the information processing server 200 of the agent 20 of the separate payment and the system center server 300 of the funding company 30.

When the period-specific, for example, daily separate payment to the funding company 30 for redemption of the beneficiary right is completed, the information processing server 200 of the agent company 20 for settlement and / or separate payment is beneficiary to the cash register 100. Notify the completion of daily separate payment for redemption.
When the sales management control unit 146 receives the notification of the completion of the daily segregated payment for beneficiary right redemption via the sales management communication unit 144, the sales management control unit 146 receives the notification of the completion of the daily sales report stored in the sales management database 145. Update the file as beneficiary right redemption daily segregated payment.
If the notification of the completion of the beneficiary right redemption daily segregated payment cannot be received by the preset payment deadline of the beneficiary right redemption daily segregated payment, the sales management control unit 146 stores it in the sales management database 145. Update the file for the daily sales report that has been made, assuming that the beneficiary right redemption daily separate payment has not been completed.

If the daily sales report stored in the sales management database 145 is that the beneficiary right redemption daily separate payment has not been completed, the separate payment amount setting unit 1431 has not completed the payment to the beneficiary right redemption daily separate payment amount on the next day. The amount including the beneficiary right redemption daily segregated payment amount is stored in the sales management database 145 as the beneficiary right redemption daily segregated payment amount.
The sales management control unit 146 setstles the beneficiary right redemption daily segregated payment amount including the unpaid amount via the sales management communication unit 144, and / or the information processing server of the agent 20 of the segregated payment. 200, notify the system center server 300 of the funding company 30.

When the sales management control unit 146 receives the notification of the end of redemption of the beneficiary right from the system center server 300, the sales management control unit 146 notifies the information processing server 200 of the agent 20 of the settlement and / or the separate payment agency 20 of the end of the separate payment. End the notification of daily sales report and daily separate payment amount.
Upon receiving the notification of the extension of the redemption of the beneficiary right from the system center server 300, the sales management control unit 146 also notifies the information processing server 200 of the agent 20 of the settlement and / or the separate payment agency 20 of the extension of the separate payment. However, we will continue to notify you of daily sales reports, daily separate payment amounts, and reserved amounts.

The cash register 100 according to the present embodiment calculates the redemption amount of the beneficiary right in the system center server 300, and the separate payment amount related to the redemption of the beneficiary right even in the funding system that does not notify the end / postponement of the redemption of the beneficiary right. It is possible to notify the information processing server 200 of the agent 20 of the agent company for settlement and / or separate payment of the determination of the end / postponement of the redemption of the beneficiary right.
The segregated payment amount setting unit 1431 of the sales management device 140 uses the sales total data stored in the sales management database 145 and the self-trust ratio of future trade receivables daily during the period covered by the self-trust of future trade receivables. The daily redemption amount is calculated by multiplying the total sales by the self-trust ratio and stored in the sales management database 145.

The sales management control unit 146 accumulates the daily redemption amount, determines whether the accumulated daily redemption amount matches the assessed amount of the beneficiary right for the self-trust, and determines whether the accumulated daily redemption amount and the beneficiary amount match. If it is determined that the assessed amounts of the rights match, the end of the redemption of the beneficiary right and the end of the separate payment to the funding company 30 are settled and / or the information processing server 200 and the funding of the agency company 20 for the separate payment. Notify the system center server 300 of the business operator 30 via the sales management communication unit 144.

If the sales management control unit 146 determines that the accumulated daily redemption amount and the assessed amount of the beneficiary right do not match even after the period covered by the self-trust, the redemption period of the beneficiary right is extended and funding is performed. The continuation of the separate payment to the business operator 30 is notified to the information processing server 200 of the agent business operator 20 and the system center server 300 of the funding business operator 30 via the sales management communication unit 144.

When the sales management control unit 146 receives an inquiry about the beneficiary right redemption balance and the beneficiary right redemption date from the system center server 300 of the funding company 30, the beneficiary right redemption record data is used to predict the redemption date by the least squares method or the like. Is calculated, and the calculated estimated redemption date is notified to the system center server 300 of the funding company 30 via the sales management communication unit 144 together with the beneficiary right redemption balance.

If the funding contract such as the self-trust target period and the self-trust ratio of future trade receivables is changed between the funding system member store 10 and the funding company 30, the sales management control unit 146 will perform funding. Upon receiving the change notification from the system center server 300 of the business operator 30, the funding data such as the self-trust target period and the self-trust ratio stored in the sales management database 145 is corrected to the contract change value and updated.

It is also preferable that the cash register 100 is provided with a monitoring device such as a security camera or a microphone in the cash register main body or in the vicinity of the main body. The monitoring device transmits monitoring information including video and audio of the cache register main body and its vicinity to the system center server 300.
The monitoring information may include opening / closing information and carry-in / out information of the cash register safe.

Although the embodiments of the present invention have been described in detail with reference to the drawings, the present invention is not limited to the above-described embodiments and is variously modified within a range that does not deviate from the technical scope of the present invention. It is possible to carry out.

1 Unsecured funding system 10 Funding system member store 20 Payment and / or separate payment agency 30 Funding company 100 Cash register 120 Sales processing device 121 Deposit / withdrawal processing department 122 Electronic payment department 123 Money management department 140 Sales High management device 141 Sales totaling department 142 Fixed sales totaling department 143 Separate payment setting department 144 Sales management communication department 145 Sales management database 146 Sales management control department 200, 400 Information processing server 300 System center server 305 Communication department 310 Database 311 Funding system Merchant database 312 Settlement and / or separate payment agency database 313 Fixed sales performance database 314 Daily sales database 320 Bonding pattern setting department 321 Reception department 322 Beneficiary right setting department 323 Beneficiary right purchase price Setting unit 324 Trust setting notification unit 330 Redemption management unit 331 Redemption target selection unit 332 Redemption amount setting unit 333 Redemption status judgment unit 334 Redemption notification unit 1211 Deposit / withdrawal processing display unit 1212 Deposit / withdrawal processing input unit 1213 Printing unit 1214 Bar code reader 1215 Deposit / withdrawal processing communication unit 1216 Bill processing unit 1217 Coin processing unit 1218 Bar money management unit 1219 Deposit / withdrawal processing control unit 1221 Electronic payment reading unit 1222 Electronic payment communication unit 1223 Electronic payment control unit 1231 Money management display unit 1232 Money management input unit 1233 Money Management 1st Communication Department 1234 Money Management 2nd Communication Department 1235 Money Management Control Department 1431 Separately Payment Amount Setting Department 1432 Reservation Amount Setting Department 1451 Sales Total Database 1452 Fixed Sales Total Database 1453 Funding Database 1454 Separate Payment Database

Claims (7)

The cash register installed in the stores of the funding system member stores,
An information processing server used by an agent for payment and / or separate payment of the funding system member store, and
The system center server used by the funding company is connected via a communication network to support the setting of beneficiary rights and redemption processing by self-trusting a part of the undetermined future trade receivables of the funding system member store. It ’s a collateral funding system.
The cash register of the funding system member store is
A sales processing device for deposit / withdrawal processing, electronic payment reception, and money management,
Equipped with a sales management device for totaling sales and storing aggregated data, totaling fixed sales and storing aggregated data, and managing separate payments.
The sales management device is
The sales totaling department that totals the daily sales of the stores and
The fixed sales totaling department that totals the fixed sales for which the settlement and payment of the commercial transactions of the store have been completed and calculates the fixed sales for each period,
The separate payment setting unit that calculates the separate payment amount to be paid to the funding company,
With the sales management communication unit that transmits the aggregated data of the daily sales, the aggregated data of the fixed sales by period, and the segregated payment amount to the system center server and / or the information processing server via the communication network. , Including
The system center server is
Using the fixed sales for each period calculated by the cash register of the funding system member store, the actual fixed sales for a predetermined period of the funding system member store are calculated, and the sales will be generated in the future at the funding system member store. Set the target period for self-trusting the expected trade receivables, and multiply the actual fixed sales for the previous fiscal year corresponding to the target period of the self-trust by the self-trust ratio to benefit from the self-trust portion of future trade receivables. An unsecured funding system using a self-trust that has a beneficiary right setting unit that sets the assessed amount of rights and stores them in the database of the system center server. The system center server is
The daily actual sales are calculated by aggregating the sales data of the funding system member stores after the start date of the self-trust target period, and the daily actual sales are multiplied by the self-trust ratio to obtain the beneficiary right. Set the daily redemption amount of, save these in the database of the system center server,
It is determined whether or not the accumulated daily redemption amount obtained by accumulating the daily redemption amount matches the assessed amount of the beneficiary right.
If it is determined that the accumulated daily redemption amount and the assessed amount of the beneficiary right match, the cash register of the funding system member store is notified of the end of the redemption of the beneficiary right.
If it is determined that the accumulated redemption amount and the assessed amount of the beneficiary right do not match even after the self-trust period has elapsed, the extension of the redemption period of the beneficiary right is extended to the store of the funding system member store. The unsecured funding system using the self-trust according to claim 1, which has a redemption management unit for notifying the cash register of the above. The system center server uses the fixed sales for each period acquired from the information processing server used by the agent for settlement and / or separate payment of the funding system member store for a predetermined period of the funding system member store. The unsecured funding system using the self-trust according to claim 1, which is characterized by calculating the actual fixed sales of the above. The unsecured funding using the self-trust according to any one of claims 1 to 3, wherein the store of the funding system member store is a store on the Internet connected to the communication network. system. The information processing server used by the payment and / or separate payment agency of the funding system member store and the system center server used by the funding company are connected by a communication network, and the funding system member store is undecided. It is a cash register installed in the store of the funding system member store used for the unsecured funding system that supports the setting and redemption processing of beneficiary rights in which a part of future sales receivables is self-trusted.
The cache register is
A sales processing device for deposit / withdrawal processing, electronic payment reception, and money management,
Equipped with a sales management device for totaling sales and saving aggregated data, totaling fixed sales and storing aggregated data, and managing separate payments.
The sales processing device is
A deposit / withdrawal processing unit for depositing money paid by a customer for purchasing a product or service and withdrawing change that is the difference between the money and the price of the product or service.
An electronic payment unit for cashless payments using electronic money, debit cards, and credit cards,
The number of change reserves for each denomination is calculated, including the system center server, the server of the police company, and the money management unit that is communicably connected to the server of the bank.
The sales management device is
The sales totaling department that aggregates daily sales and
The fixed sales totaling department that totals the fixed sales for which the settlement and payment of the commercial transactions of the store have been completed and calculates the fixed sales for each period,
The separate payment setting unit that calculates the separate payment amount to be paid to the funding company,
The sales management communication unit for communicating with the information processing server of the payment and / or separate payment agency and the system center server of the funding company via the communication network.
Stores sales aggregated data, fixed sales aggregated data, and a funding data file that includes the self-trust ratio of future sales receivables, the assessed amount of beneficiary rights for the self-trust, the period covered by the self-trust, and the beneficiary right redemption start date. Sales management database and
A cash register including a sales management control unit that controls the entire sales management device. The separate payment setting unit
Daily redemption by multiplying the daily total sales by the self-trust ratio using the sales aggregate data stored in the sales management database and the self-trust ratio of future sales receivables during the period covered by the self-trust of future sales receivables. Calculate the amount and store it in the sales management database.
The sales management control unit
The daily redemption amount is accumulated, and it is determined whether or not the accumulated daily redemption amount matches the assessed amount of the beneficiary right.
If it is determined that the accumulated daily redemption amount and the assessed amount of the beneficiary right match, the end of the redemption of the beneficiary right and the end of the separate payment to the funding business operator are settled and / or the separate payment is performed on behalf of the payment. Notify the information processing server of the business operator and the system center server of the funding business operator via the sales management communication unit.
If it is determined that the accumulated daily redemption amount and the assessed amount of the beneficiary right do not match even after the self-trust period has elapsed, the redemption period of the beneficiary right is extended and the separate payment is made to the funding business operator. 5. The claim 5 is characterized in that the continuation of the payment is notified to the information processing server of the payment and / or separate payment agency business operator and the system center server of the funding business operator via the sales management communication unit. The described cache register. The cash register is provided with a money processing device for a money loading / unloading operation, and has a cash register safe unit capable of collectively transporting money stored in the cash register.
The sales management unit of the sales management device is characterized in that, when the cash register safe unit is carried out, the safe unit carry-out information including the carry-out date / time information and the warehousing amount information at the time of carry-out is transmitted to the system center server. The cash register according to claim 5 or 6.

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