JP4002265B2 - Electronic bill management system and method - Google Patents

Description

  This technology is a technology related to electronic settlement in which the relationship between claims and debts between parties arising from transactions is electronically cleared using electronic media.

  There are many known techniques called electronic bills / electronic checks that digitize bills and checks used as a means of postpayment payment in the real world of commodity transactions (Patent Document 1, Patent Document 2, Patent Document) 3). In these technologies, electronic data promised to be paid for a future price is registered in the payer system from the payer system, and funds are settled according to the contents of the registered data. In addition, in these technologies, it is necessary to prevent duplicates of electronic bills and electronic checks from being generated and transferred twice. Therefore, instead of storing electronic bills and electronic checks in the recipient's system, they are not officially stored. There is also known a mechanism for preparing an electronic registration organization and storing electronic bills and electronic checks in the registration organization (Patent Document 4). There are many well-known examples of basic system implementation methods for issuing, distributing and redeeming electronic bills and checks.

Note that in this specification, the concept of electronic bills is considered in a broad sense, and electronic data (including electronic checks) that promises payment of funds and goods in the future is hereinafter referred to as electronic bills.
JP 2000-113089 JP 2000-113075 A Japanese Patent Laid-Open No. 9-218905 Japanese Patent Laid-Open No. 11-296603

  An object of the present invention is to realize the following application functions that will be further required in addition to the basic issuance, distribution, and redemption functions that have been conventionally proposed for electronic bills.

  The first problem of the present invention is that the conventional electronic bill does not provide a function for checking an input mistake in the electronic bill draft. This is because the electronic bill draft is an important act like the payment of money, but the conventionally proposed electronic bill cannot cope with an operator's input mistake. In addition, the general input error check function could not perform a check suitable for electronic bill transactions.

  The second problem of the present invention is that a conventional electronic bill or bill does not provide a function for selecting an electronic bill to be transferred when assigning the right of the electronic bill, and shows a bill directly held. Alternatively, confirmation by telephone or FAX is only possible, and no method for selecting a bill at the time of transfer is shown. In addition, bills that have already been drawn out may be transferred as means of payment in a commercial transaction, but no means for selecting which bill to transfer for a commercial transaction for which the amount has been determined is provided.

  According to a third object of the present invention, there is provided means for specifying a bill for discounting with a financial institution and determining an amount to be paid when electronic bills or bills are funded by discounting. It was not. This is because, in order to make a discount, there was no provision for a person who had a bill for discounting and a mechanism for financial institutions to agree to each bill and amount. In addition, a person who wants to obtain funds by discounting bills selects a bill that discounts from the amount of necessary funds, but no method for efficiently performing this selection is provided.

  The fourth problem of the present invention will be described. In conventional bill transactions, the issuer's request for a delay in redemption of the note may not be made using contact means such as telephone only if the issuer knows who the assignee is at the time of redemption. It was. However, when the bill was transferred, it was difficult for the drawer to identify the assignee, and it was actually difficult. In addition, even if the negotiation results are grouped and the redemption is delayed, the actual situation is that the transferee actually delays taking it to the bill exchange, and the operation will actually depend on the conscience of the participants. . Accordingly, a fourth problem of the present invention is that when an electronic bill is redeemed, if the maker wants to delay the redemption, the assignee at the time of redemption is specified and specified, and the electronic bill is redeemed for the assignee. And a means for changing the redemption date of the electronic bill in response to the negotiated result of the redemption delay.

  The fifth problem of the present invention will be described. In a conventional bill transaction, there is a method in which an issuer borrows based on a backup line contract, which is a contract for obtaining a loan from a financial institution that has contracted in advance when funds are insufficient at the time of redemption. A fifth problem of the present invention is to provide means for borrowing in an electronic bill based on the above backup line contract, and further, in conjunction with the borrowing, an electronic where the financial institution is assigned from the lender as the consideration for the borrowing. It is to provide a means for issuing a bill. In the present invention, in accordance with the solution of the above-mentioned problem, a mechanism for calculating the borrowing amount based on the balance prediction of the allocator, the electronic bill (electronic bill A) serving as a backup line, and the electronic bill (the electronic bill) to be backed up ( Another object is to provide a mechanism in which the electronic bill A is drawn before the redemption of the electronic bill B when the electronic bill A) is redeemed on the same day.

  A sixth problem of the present invention is that, in addition to the electronic bill, the credit information of the draft, endorser, and assignee of the bill (presence of past non-delivery occurrence, third party credit assessment), the credit information It is to provide a mechanism for displaying information for determining whether there has been a change. Another object of the present invention is to provide a mechanism for calculating and displaying the credit of the electronic bill itself from the credit information of the writer, endorser, and assignee in accordance with the solution of the above problem.

  The purpose of the present invention is to prevent an electronic bill from being drawn out as it is when an electronic bill drawer has a mistake in a trading partner or amount at the time of entry in the registration of the electronic bill, and an unintended debt is not incurred. It is an object of the present invention to provide a system and method capable of performing a safe electronic bill transaction.

  Alternatively, an object of the present invention is to allow a person who assigns an electronic bill to select which electronic bill should be used for payment in a transaction. In addition, a system and a method for enabling a person who receives a transfer of an electronic bill to check an electronic bill to be paid and easily perform a transaction using the electronic bill issued by a third party for payment. That is.

  Alternatively, an object of the present invention is to enable a person who owns an electronic bill to efficiently fund the electronic bill. It is another object of the present invention to provide a system and method that enables a financial institution to efficiently determine an amount for discounting an electronic bill requested by a customer.

  Alternatively, the object of the present invention is to avoid the bankruptcy of the electronic bill drawer even when the funds become insufficient on the redemption date, and the transferee can more reliably collect the claims. It is to provide a system and method that can be performed.

  Alternatively, an object of the present invention is to ensure that an electronic bill that has been issued in the past can be obtained by issuing an electronic bill that serves as a backup line even when the electronic bill maker runs out of funds on the redemption date of the electronic bill. It is to provide a system and method capable of performing repayment without preparing new funds.

  Alternatively, an object of the present invention is to provide a system and method in which a person who participates in a transaction of an electronic bill can accurately know the change in creditworthiness of the electronic bill and can know the creditworthiness of the electronic bill confidence. That is.

  The present invention is an electronic bill management system for registering for the transfer, transfer, and redemption of electronic bills, the function of storing the history of transactions of electronic bills, and the amount of electronic bills whether abnormal input has been made during the transaction, Add a function to compare past transaction status, monthly transaction status and past transaction history.

  Alternatively, according to the present invention, first, a list of electronic bills to be transferred is shown from among electronic bills possessed by an electronic bill transfer source, and a plurality of candidates for electronic bills to be transferred are created as a set. Next, the plurality of sets of electronic bills are shown on the receiving side, and the bills to be transferred are determined by selecting which set of electronic bills to receive. Alternatively, the electronic bill transfer source is allowed to select an electronic bill that can be transferred, and then the transfer destination is selected. Further, the electronic bill to be transferred is determined by checking the transfer source. Or, let the electronic bill transfer source enter the amount of the electronic bill you want to transfer, the electronic bill management system automatically selects the electronic bill that matches the amount, and both the transfer source and the transfer destination confirm the selection I do. Or, let the transfer source of the electronic bill enter the amount of the electronic bill you want to transfer, and the system that uses the electronic bill that matches the amount will automatically select the transfer, and the transfer source and transfer destination for that selection Both sides confirm. Or, let the transfer source of the electronic bill enter the amount of the transferred electronic bill, select the electronic bill that matches the amount with the system installed in the financial institution, and confirm both the transfer source and the transferee confirm the selection. Do. As a method of selecting an electronic bill corresponding to the amount of money, a combination of bills that is a target amount is created by combining a plurality of amounts of each bill. In addition, as a method for a financial institution to select an electronic bill that matches the amount, the amount of each bill is determined in a system installed in the financial institution, or another monetary system such as another branch is requested to determine the amount. Provide functions.

  Alternatively, according to the present invention, first, a requester of discounting an electronic bill is made to select an electronic bill to be discounted, and information on the electronic bill is transmitted to a financial institution. Next, the total amount of the electronic bill determined by the financial institution is transmitted to the requester of the discount, and the approval of the amount is requested. Alternatively, the requester of the electronic bill discount is allowed to select electronic bills that are candidates for discounting, and the financial institution determines the amount of each individual electronic bill. Next, the amounts of these individual bills are transmitted to the requester of discount, and the bills to be discounted are selected while referring to the amounts. Alternatively, the party requesting the discount notifies the financial institution of the amount desired to be obtained by the discount, and selects a bill that matches the amount at the financial institution.

  Alternatively, the present invention provides a function for accepting a redemption delay request including a delayed redemption date that specifies when to redeem from an issuer in an electronic bill management system for registering for the transfer, transfer, and redemption of an electronic bill, A function to identify the assignee who is the current right holder, a function to forward the redemption delay request to the specified assignee, whether to approve the late redemption request from the assignee or to request a change in the late redemption date The function to receive one of the responses, the function to change the redemption date of the electronic bill when the redemption delay is approved, or the requester to change the late redemption date if the request is received The function to send to the bank, the function to receive whether or not to accept the late redemption date change from the issuer, and if the late redemption date change has been approved, the electronic redemption date has been changed Change the function To pressure.

  In the electronic bill management system, the present invention provides a function for receiving designation from the financial institution to the extent that the use of the backup line is permitted from the financial institution. A function to send a prediction of whether there is a shortage, a function to accept an application for issuing an electronic bill that will be paid for borrowing based on a backup line from the drawer, an issue of the bill that will be paid for the borrowing, and an electronic that causes the borrowing If the bill is redeemed on the same day, a function is added to control the timing of withdrawal and redemption.

  Alternatively, the present invention provides an electronic bill management system, a function for managing credit information of a participant who uses an electronic bill, an electronic bill drawer, a participant system used by a transferee and an electronic bill in the electronic bill management system. When sending electronic bill information to a financial institution system used by a financial institution that discounts a certain amount (buying an electronic bill after reducing a certain amount of money), A function to send the credit information to the transferee together). In the participant system and the financial institution system, a function to display the received electronic bill, a function to display the received credit information, a function to request and display a change in creditworthiness of the creditor, endorser, and assignee from the credit information, A function for calculating and displaying the credit of the electronic bill itself from the credit information is added.

  According to the present invention, it is possible to provide a function for checking an input mistake in the electronic bill withdrawal, whereby the electronic bill drawer has an error in the counterparty or the amount when inputting in the electronic bill withdrawal registration. In this case, the electronic bill is drawn out as it is, so that an unintentional debt is not incurred, and a safe electronic bill transaction can be performed.

  Alternatively, according to the present invention, the function of selecting the electronic bill to be transferred is provided when the right of the electronic bill is transferred, and thus the person who assigns the electronic bill should assign which electronic bill to the payment in the transaction. You can make a choice. In addition, the person who receives the transfer of the electronic bill can also confirm the electronic bill that is paid for, and can easily conduct a transaction using the electronic bill issued by a third party for the payment.

  Alternatively, according to the present invention, when electronic bills or bills are funded by discounting, a bill for discounting with a financial institution is specified and a means for determining the amount to be paid is provided. Thus, a person who owns an electronic bill can efficiently fund the electronic bill. In addition, financial institutions can efficiently determine the amount for discounting electronic bills requested by customers.

  Alternatively, according to the present invention, when redeeming an electronic bill, when the craving person wishes to delay the redemption, the assignee at the time of redemption is specified, and the delay of redemption of the electronic bill to the assignee is specified. And a means for changing the redemption date of the electronic bill in response to the negotiated result of the redemption delay. As a result, it becomes possible for the electronic bill drawer to avoid the bankruptcy even when the funds become insufficient on the redemption date, and the transferee can collect the credit more reliably.

  Alternatively, according to the present invention, a means for borrowing an electronic bill based on a backup line contract is provided, and further, in conjunction with the borrowing, an electronic bill with a financial institution as a transferee from the lender as a consideration for borrowing is provided. This means that a means for performing the withdrawal is provided. Furthermore, the system for calculating the borrowing amount based on the forecast of the balance of the issuer, the withdrawal of the electronic bill (electronic bill A) serving as the backup line and the redemption of the electronic bill (electronic bill A) subject to backup are the same day According to the present invention, a function for checking an input error in the electronic bill withdrawal is provided, so that the electronic bill maker can enter the transaction amount and the amount at the time of entry in the electronic bill withdrawal registration. If there is a mistake, the electronic bill is drawn out as it is, and there is no unintentional debt, and a safe electronic bill transaction can be performed.

  Alternatively, according to the present invention, the function of selecting the electronic bill to be transferred is provided when the right of the electronic bill is transferred, and thus the person who assigns the electronic bill should assign which electronic bill to the payment in the transaction. You can make a choice. In addition, the person who receives the transfer of the electronic bill can also confirm the electronic bill that is paid for, and can easily conduct a transaction using the electronic bill issued by a third party for the payment.

  Alternatively, according to the present invention, when electronic bills or bills are funded by discounting, a bill for discounting with a financial institution is specified and a means for determining the amount to be paid is provided. Thus, a person who owns an electronic bill can efficiently fund the electronic bill. In addition, financial institutions can efficiently determine the amount for discounting electronic bills requested by customers.

  Alternatively, according to the present invention, when redeeming an electronic bill, when the craving person wishes to delay the redemption, the assignee at the time of redemption is specified, and the delay of redemption of the electronic bill to the assignee is specified. And a means for changing the redemption date of the electronic bill in response to the negotiated result of the redemption delay. As a result, it becomes possible for the electronic bill drawer to avoid the bankruptcy even when the funds become insufficient on the redemption date, and the transferee can collect the credit more reliably.

  Alternatively, according to the present invention, a means for borrowing an electronic bill based on a backup line contract is provided, and further, in conjunction with the borrowing, an electronic bill with a financial institution as a transferee from the lender as a consideration for borrowing is provided. This means that a means for performing the withdrawal is provided. In addition, the system for calculating the borrowing amount based on the forecast of the balance of the issuer, the withdrawal of the electronic bill (electronic bill A) as the backup line and the redemption of the electronic bill (electronic bill A) as the backup target are the same day In the case where the draft of electronic bill A is provided prior to the redemption of electronic bill B, this causes the electronic bill drawer to run out of funds on the redemption date of electronic bill. However, by issuing an electronic bill that serves as a backup line, it is possible to repay the electronic bill that has been issued in the past without preparing new funds.

  Or, according to the present invention, in addition to the electronic bill, the credit information of the draft, endorser, and assignee of the bill (presence of occurrence of past bankruptcy, creditworthiness evaluation by a third party), change to the credit information In addition to providing a mechanism for displaying information for determining whether or not there is a credit card, it also provides a mechanism for calculating and displaying the credit of the electronic bill itself from the credit information of the writer, endorser, and assignee. A person who participates in the electronic bill transaction can accurately know the change in credit of the electronic bill and can know the confidence of the confidence of the electronic bill.

  Alternatively, according to the present invention, there is provided a mechanism in which the electronic bill A is drawn prior to the redemption of the electronic bill B, and the electronic bill drawer becomes short of funds on the redemption date of the electronic bill. In addition, by issuing an electronic bill that serves as a backup line, it is possible to repay the electronic bill that has been issued in the past without preparing new funds.

  Or, according to the present invention, in addition to the electronic bill, the credit information of the draft, endorser, and assignee of the bill (presence of occurrence of past bankruptcy, creditworthiness evaluation by a third party), change to the credit information In addition to providing a mechanism for displaying information for determining whether or not there is a credit card, it also provides a mechanism for calculating and displaying the credit of the electronic bill itself from the credit information of the writer, endorser, and assignee. A person who participates in the electronic bill transaction can accurately know the change in credit of the electronic bill and can know the confidence of the confidence of the electronic bill.

  Hereinafter, a first embodiment of the present invention will be described.

  First, FIG. 1 shows a configuration diagram and processing of the entire system in the present embodiment. Each system shown in FIG. 1 is also used in other embodiments. In this embodiment, a participant system (drawer) 1100 used by the electronic bill drawer, a participant system (assignee 1) 1100 used by the electronic bill assignee, and a participant system (assignee 2). 1100, an electronic bill management system 1400 that manages electronic bill transactions, and a financial institution system 1500 that transfers funds in a financial institution are connected by a network 1600. Here, the participant system (drawer) 1100, the participant system (assignee 1) 1100, and the participant system (assignee 2) 1100 are described for convenience according to the roles used. The configuration is the same. Here, the electronic bill is electronic data that promises payment of funds and goods in the future, and has functions of bills and checks in the real world, for example. The payer has a debt promised in an electronic bill and the transferee has a claim promised in an electronic bill. The electronic bill management system 1400 is a system installed in an organization that manages electronic bills. Registration of electronic bills in response to a request from the maker and transfer of rights from the holder of the electronic bills in response to a transfer instruction from the assignee. The electronic bills will be deleted due to the change and fulfillment of the debtor's obligations. A financial institution is an agency that mediates financial transactions, such as central banks, ordinary banks, long-term credit banks, trust banks, credit unions, credit unions, agricultural cooperatives, fishermen's cooperatives, insurance companies, securities companies, non-banks, postal services Station. A participant system (drawer) 1100, a participant system (assignee 1) 1100, a participant system (assignee 2) 1100, an electronic bill management system 1400, and a financial institution system 1500 are computer systems such as personal computers, work Station, a general-purpose computer. A network 1600 is a broadcast radio wave or a telecommunication line, for example, the Internet.

  As shown in FIG. 1, the electronic bill management system 1400 stores a participant DB 1401, a bill DB 1402, and a history DB 1403. Specifically, these are stored in the storage device 2104 of the electronic bill management system 1400 having the same configuration as the participant system (drawer) 1100. Hereinafter, it is assumed that the processing program and the DB (database) are similarly stored in the storage device 2104 of each system. The financial institution system 1500 stores a fund account DB 1501 and a redemption fund settlement process 1502. Further, as a processing program for the first embodiment, the participant system (drawer) 1100 stores a bill draft processing 1101, and the participant system (assignee 1) 1100 handles the bill assignment processing (1). 1201, the participant system (transferee 2) 1100 stores bill transfer processing (1) 1301, the electronic bill management system 1400 stores transfer registration processing (1) 1405, redemption extraction processing 1406, and financial institution The system 1500 stores a redemption fund settlement process 1502.

  FIG. 2 shows a system configuration diagram of a participant system (drawer) 1100. A participant system (drawer) 1100 includes a processing device 2100, a display device 2101, an input device 2102, a communication device 2103, and a storage device 2104 connected via a bus 2105. The processing device 2100 is a device that executes a processing program stored in the storage device 2104, and is, for example, a CPU. The display device 2101 is a device that outputs information to the outside of a user of the system, for example, a display.

  The input device 2102 is a device that receives input from the outside by a user of the system, and is, for example, a keyboard or a mouse. A communication device 2103 is connected to a network 1600, and a participant system (drawer) 1100 is another participant system (assignee 1) 1100, a participant system (assignee 2) 1100, an electronic bill management system 1400, a financial institution. An apparatus used to transmit / receive data to / from the system 1500, for example, a network interface card. The storage device 2104 is a device that stores data and processing programs, and is, for example, a memory or a hard disk. A participant system (assignee 1) 1100, a participant system (assignee 2) 1101, an electronic bill management system 1400, and a financial institution system 1500 also have the same system configuration as the participant system (drawer) shown in FIG.

  Next, the participant information 3000 will be described. The participant information 3000 is stored in the electronic bill management system 1400 as the participant DB 1401. That is, one record of the participant DB 1401 is participant information 3000. As shown in FIG. 3, the participant information 3000 includes a participant ID 3010, a participant password 3020, a participant name 3030, a representative name 3040, a financial institution account 3050, a business type code 3060, a location 3070, non-delivery 3080, non-delivery. The data includes an occurrence date 3090, a credit rating 3100, an old credit rating 3110, a credit rating change date 3120, a backup line providing financial institution ID 3130, a backup line limit 3140, and a backup line usage amount 3150. Participant ID 3010 is an identifier for identifying each participant. Here, the participant refers to a user who connects to the electronic bill management system and receives a service related to the electronic bill. The participant password 3020 is data for authenticating the participant. The participant name 3030 is the name of the participant. For example, when the participant is a company, the participant name 3030 is the company name. The representative name 3040 is the name of the representative of those organizations when the participant is a company or a corporation. The financial institution account 3050 is data for specifying an account from which a participant pays or receives a price. The industry code 3060 is data for specifying what kind of business the participant operates. The location 3070 is data for specifying the location of the participant. The non-delivery presence / absence 3080 is data for specifying whether the participant has made a non-delivery in the past. The non-delivery occurrence date 3090 is data for specifying the date of the last non-delivery when the participant has made a non-delivery in the past. It is assumed that the non-delivery status 3080 and the non-delivery occurrence date 3090 are rewritten using the input device 2102 of the electronic bill management system 1400 when the participant actually makes a non-delivery. The trustworthiness 3100 is data specifying the trustworthiness of the participant. The old creditworthiness 3110 is data for specifying the creditworthiness before the change when the creditworthiness of the participant is changed. The credit change date 3120 is data for specifying the change date when the credit of the participant is changed. These creditworthiness 3100, old creditworthiness 3110, and creditworthiness change date 3120 are rewritten using the input device 2102 of the electronic bill management system 1400 when the creditworthiness of the participant is changed. The backup line providing financial institution ID 3130 is an identifier for identifying a participant who provides a backup line to the participant. A backup line refers to a contract that lends to a participant when the participant's funds are insufficient when the electronic bill issued by the participant is redeemed and the redemption cannot be made. The backup line limit 3140 is a lending limit. The backup line usage amount 3150 is data specifying the amount that the participant has already borrowed based on the backup line. The participant information 3000 is newly created by inputting all the items from the input device 2102 of the electronic bill management system 1400 when a new participant intends to use the electronic bill management system 1400.

  Next, the structure of the electronic bill information 4000 will be described. The electronic bill information 4000 is stored in the electronic bill management system 1400 as a bill DB 1402. That is, one record of the bill DB 1402 is the electronic bill information 4000. As shown in FIG. 4, the electronic bill information 4000 includes a bill ID 4010, a transferor ID 4020, an assignee ID 4030, an endorser ID 4040, a payment amount 4060, a transfer date 4070, a redemption date 4080, and a redemption waiting bill ID 4090. The bill ID 4010 is an identifier that uniquely identifies each electronic bill. The maker ID 4020 is data in which the participant ID 3010 of the participant who has drawn out the electronic bill is recorded, and is data that specifies who has drawn out the electronic bill. Drawing out an electronic bill here is synonymous with drawing out the bill, and the beneficiary (debtor) gives the beneficiary right promised by the electronic bill to the transferee (creditor) for payment or borrowing. It shall be said. The assignee ID 4030 is data in which the participant ID 3010 of the participant having the bill beneficiary right is recorded, and specifies who has the beneficiary right of the electronic bill. The endorsement ID 4040 is the participant ID 3010 of the participant who endorsed the electronic bill, and is data that identifies who endorsed the endorsement. Here, endorsement is synonymous with the endorsement of bills and means the transfer of beneficial interests promised by electronic bills. The endorser ID 4040 is data to which a new column is added when the electronic bill is transferred, and there may be a plurality of endorser IDs 4040 in the electronic bill information 4000. If it is necessary to specify each endorsement ID 4040, the endorsement ID (1) 4040, endorsement ID (2) 4040, endorsement ID (n) 4040, and numbering in the order of endorsement It shall be. The endorsement of electronic bills is the same as the endorsement of bills, and the person who has endorsed pays the final right holder of electronic bills in the event that all of the writer and the previous endorser default. The obligation to guarantee Here, the ultimate right holder is the assignee who will ultimately receive the redemption of the electronic bill. Redeeming an electronic bill here is equivalent to redeeming the bill, and cancels the beneficial interest promised by the assignee's electronic bill upon the fulfillment of the debt promised by the electronic bill It shall be said. The payment amount 4060 is data indicating the payment amount at the time of redemption promised by the electronic bill. The redemption date 4080 is data specifying the date on which redemption is performed. The redemption waiting bill ID 4090 is data for storing an identifier that identifies an electronic bill, and after the electronic bill specified by the redemption waiting bill ID 4090 has been drawn, the electronic bill will be redeemed. This is the sequence control data for Since the redemption waiting bill ID 4090 is not used in the first embodiment, the details will be described separately at the time of use.

  Next, the structure of the fund account information 5000 will be described. The fund account information 5000 is stored in the financial institution system 1500 as a fund account DB 1501. That is, one record of the fund account DB 1501 is the fund account information 5000. As shown in FIG. 5, the fund account information 5000 includes a fund account ID 5010 and a fund account balance 5020. The fund account ID 5010 is an identifier for identifying who the fund account information 5000 is. In this specification, the fund account ID 5010 having the same value as the participant ID 3010 in the electronic bill management system 1400 is used. The account information 5000 is information related to the fund account of the participant specified by the participant ID 3010. Note that the fund account information 5000 is newly created by inputting all the items from the input device 2102 of the financial institution system 1500 when a new participant intends to use the electronic bill management system 1400.

  Data stored in the history DB 1403 will be described with reference to FIG. The history DB 1403 is a DB that records a history of transactions with electronic bills, and records history information 6100 that is transaction information for transactions of electronic bills that have been performed in the electronic bill management system 1400 in the past. The configuration of the history information 6100 will be described. The history information 6100 includes a participant ID 6101, bill ID 6102, transaction date 6103, transaction type 6104, transaction partner ID 6105, and amount 6106. The participant ID 6101 is for specifying which participant's transaction information the history information 6100 is, and records the participant ID 3010 of the participant DB 1401. The bill ID 6102 is for specifying which electronic bill transaction the history information 6100 is related to, and records the bill ID 4010 of the bill DB 1402. The transaction date 6103 records the date on which the transaction recorded by the history information 6100 was performed. The transaction type 6104 is a transaction type of the history information 6100, and indicates what type of transaction the participant recorded in the participant ID 6101 has performed. Specifically, the electronic bill management system 1400 displays “draw” when the participant with the participant ID 6101 issues an electronic bill, and transfers the possessed electronic bill to another participant. When “transfer”, an electronic bill issued from another is received, or when an electronic bill is transferred from another, “receive” is recorded. The trading partner ID 6105 is data indicating which participant the participant designated by the participant ID 6101 performed the transaction in the transaction of the history information 6100. When the transaction type 6104 is “drawing”, the electronic bill is used. If the transaction type 6104 is “transfer”, the participant ID 3010 of the other party to whom the electronic bill was transferred is recorded, and if the transaction type 6104 is “receive”, it is received If the electronic bill is newly issued, the issued participant ID 3010 is recorded. If the electronic bill has already been transferred, the transfer participant ID 3010 is recorded. In addition, the electronic bill management system 1400 records the bill ID 4010 of the electronic bill that has been traded in the bill ID 6102, and records the date of the deal in 6103. The amount 6106 records the payment amount 4060 of the electronic bill specified by the bill ID 6102. Thereafter, when the electronic bill is drawn out or transferred, the electronic bill management system performs the following processing for both parties of the transaction. Specifically, in the case of an electronic bill issue, two pieces of history information 6100 are recorded: transaction information about the participant who issued the electronic bill and transaction information about the participant who received the issued electronic bill. . In the case of transfer of electronic bills, two pieces of history information 6100 are recorded: information on transactions for participants who have transferred electronic bills and information on transactions for participants who have been transferred.

  Hereinafter, the drafting, transfer, and redemption of electronic bills in the first embodiment will be described. With reference to FIG. 7, a processing flow for drawing out an electronic bill in the first embodiment will be described. As shown in FIG. 7, the electronic bill is drawn by storing the bill draft processing 1101 in the participant system (drawer) 1100 and storing the new registration processing 1404 in the electronic bill management system 1400. Thereafter, in this processing flow, the operation of the participant system (drawer) 1100 is assumed to operate according to the procedure shown in the bill draft processing 1101, and the operation of the electronic bill management system 1400 operates according to the procedure shown in the new registration processing 1404. It shall be.

  Participant system (drawer) 1100 receives input of participant ID 3010, participant password 3020, electronic bill assignee ID 4030, payment amount 4060, and redemption date 4080 from input device 2102. Here, the assignee ID 4030 of the electronic bill is the participant ID 3010 of the transfer destination of the electronic bill, and the participant ID 3010 of the person who receives payment of funds by the electronic bill. The payment amount 4060 is the amount of funds paid by the electronic bill drawer when the electronic bill to be paid out is redeemed. The redemption date 4080 is a date for redemption. The participant system (drawer) 1100 transmits the received participant ID 3010, participant password 3020, assignee ID 4030, payment amount 4060, and redemption date 4080 to the electronic bill management system 1400 as a bill withdrawal notice 7001. Here, transmission means transmission of information from the communication device 2103 of the participant system (drawer) 1100 to the communication device 2103 of the electronic bill management system 1400 via the network 1600. Thereafter, transmission of information between the systems is performed in the same manner.

  When electronic bill management system 1400 receives bill issue notification 7001, electronic bill management system 1400 searches for participant information 3000 having participant ID 3010 and participant password 3020 that match participant ID 3010 and participant password 3020 received from participant DB 1401. If the matching participant information 3000 cannot be searched, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the processing is referred to as authentication processing in the electronic bill management system 1400.

  Next, the electronic bill management system 1400 searches the history information 6100 that is the participant ID 3010 received by the participant ID 6101 from the history DB 1403 and the assignee ID 4030 received by the trading partner ID 6105. As a result of this search, when the corresponding history information 6100 does not exist, the electronic bill to be drawn out is to a new customer who has not made a transaction with the electronic bill in the past.

  Next, the electronic bill management system 1400 searches the history information 6100 with the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the assignee ID 4030 received by the trading partner ID 6105, and the transaction type 6104 of “drawing”. To do. As a result of this search, if the corresponding history information 6100 does not exist, the electronic bill to be issued is an outgoing to a new outgoing destination that has not been used as an outgoing destination of the electronic bill in the past.

  Next, the electronic bill management system 1400 searches the history information 6100 with the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the assignee ID 4030 received by the trading partner ID 6105, and the transaction type 6104 of “drawing”. If there is one or more corresponding history information 6100, the maximum amount 6106 is searched for among them. The electronic bill management system 1400 compares the retrieved maximum amount 6106 with the received payment amount 4060. As a result of the comparison, if the received payment amount 4060 is larger than the searched maximum amount 6106, the transfer based on the received bill transfer notification 7001 is the highest amount of electronic bills issued to the transfer destination in the past. belongs to.

  Next, the electronic bill management system 1400 searches the history information 6100 with the participant ID 3010 received by the participant ID 6101 from the history DB 1403 and the transaction type 6104 as “drawing”, and one or more corresponding history information 6100 exists. When doing so, the maximum amount 6106 is searched among them. The electronic bill management system 1400 compares the retrieved maximum amount 6106 with the received payment amount 4060. As a result of the comparison, if the received payment amount 4060 is larger than the searched maximum amount 6106, the transfer based on the received bill issue notification 7001 is the highest amount among the electronic bills issued to all the past parties. belongs to.

  Next, the electronic bill management system 1400 searches the history information 6100 with the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the assignee ID 4030 received by the trading partner ID 6105, and the transaction type 6104 of “drawing”. If there is one or more corresponding history information 6100, they are classified according to the month indicated by the transaction date 6103, and the sum of the amount 6106 is calculated for each month. In addition, the payment amount 4060 of the received bill withdrawal notification 7001 is added to the total amount of the current month (the date on which the bill withdrawal notification 7001 is received). If the sum of the total amount of the current month and the sum of the payment amount 4060 is the maximum of the sum of the total amount of the month 6106 and the total amount of the current month and the payment amount 4060, The draft of the electronic bill for the current month is the maximum amount of the draft for each month.

  Next, the electronic bill management system 1400 searches the history information 6100 with the participant ID 3010 received by the participant ID 6101 from the history DB 1403 and the transaction type 6104 as “drawing”, and one or more corresponding history information 6100 exists. If so, they are classified for each month indicated by the transaction date 6103, and the sum of the amount 6106 is calculated for each month. In addition, the payment amount 4060 of the received bill withdrawal notification 7001 is added to the total amount of the current month (the date on which the bill withdrawal notification 7001 is received). If the sum of the total amount of the current month and the sum of the payment amount 4060 is the sum of the total amount of the monthly amount 6106 and the total amount of the current month and the payment amount 4060, the electronic bill of the current month The drawing is the maximum amount of the drawing per month.

  With the above, if it is the highest amount of electronic bills issued to that destination in the past, or if it is the highest amount of electronic bills issued to all past partners, We checked whether the electronic bills of the current month were the maximum amount of the monthly draft, and the electronic bills of the current month were the maximum amount of the monthly draft. Instead of checking whether the notification 7001 is the maximum amount of money in the past electronic bills or in a certain period, for example, it is checked whether a certain percentage of the past maximum amount has been exceeded. You may go. This is, for example, checking if the amount of electronic bills in the past has exceeded 80% of the maximum amount of electronic bills issued. For example, check if the maximum amount exceeds 110%. When the contents of the bill withdrawal notification 7001 exceed a certain percentage of the amount of these past transactions, the participant system (drawer) 1100 is notified in the same manner as when the maximum amount below is exceeded. The participant system (drawer) 1100 may display a warning.

  The electronic bill management system 1400 that has compared the past transaction history with the bill withdrawal notification 7001 then transmits a bill withdrawal confirmation 7002 to the participant system (drawer) 1100. The bill draft confirmation 7002 includes a participant ID 3010, a transferee ID 4030, a payment amount 4060, a redemption date 4080, which are the contents of the bill withdrawal notification 7001 received by the electronic bill management system 1400, and the electronic bill to be drawn is an electronic bill in the past. If it is a transfer to a new business partner that does not have a transaction, the fact that the electronic bill to be issued is a transfer to a new business destination that is not a source of the electronic bill in the past. If it is the highest amount of electronic bills issued to the bank in the past, that is the highest amount of electronic bills issued to all past partners. To that effect, if the electronic bill of the month for the current month is the maximum amount of the monthly draft, the fact that the electronic bill of the month is In the case of a maximum amount of the drawing board include that effect. The same applies when the maximum amount is exceeded by a certain amount or more. Here, the total withdrawal amount for each month is calculated, but it may be a period of another length such as every three months, every six months, or every year instead of every month.

  When the participant system (drawer) 1100 receives the bill ejection confirmation 7002, the participant system (drawer) 1100 displays the content on the display device 2101. Here, when the participant system (drawer) 1100 records in the bill withdrawal confirmation 7002 that the electronic bill to be drawn is a withdrawal to a new business partner who has not made a transaction with the electronic bill in the past. Displays a warning message such as “It is a new business partner with no past transaction experience” on the display device 2101. In addition, when the participant system (drawer) 1100 records in the bill draft confirmation 7002 that the electronic bill to be drawn is a drawing to a new drawing destination that has not been drawn to the electronic bill in the past. The display device 2101 displays a warning message such as “It is a new destination where an electronic bill has not been issued in the past”. In addition, the participant system (drawer) 1100 displays a display in the case where it is recorded in the bill withdrawal confirmation 7002 that it is the highest amount of electronic bills issued to the destination in the past. On the apparatus 2101, a warning message such as “It is the largest amount of payment in the past to the destination” is displayed. In addition, the participant system (drawer) 1100 displays, when it is recorded in the bill withdrawal confirmation 7002 that it is the highest amount of the electronic bills issued to all the past parties. A warning message such as “It is the largest withdrawal amount in the past” is displayed on the apparatus 2101. In addition, the participant system (drawer) 1100 displays, when the bill draft confirmation 7002 records that the draft of the electronic bill for the current month to the assignee ID 4030 is the maximum amount of the draft for each month. A warning message such as “It is the largest total amount paid in a month per month to the destination” is displayed on the apparatus 2101. In addition, when the participant bill (drawer) 1100 records in the bill withdrawal confirmation 7002 that the electronic bill draft of the current month is the maximum amount of the monthly draft, the display device 2101 displays “ A warning message such as “This is the largest total amount of payments per month” is displayed. The same applies when the maximum amount is exceeded by a certain amount or more. Next, the participant system (drawer) 1100 receives an input of confirmation of the electronic bill draft from the input device 2102. For example, the confirmation is input by displaying a button indicating “out” on the display device 2101 and receiving selection of the button from the input device 2102. The participant system (drawer) 1100 transmits a bill issue approval 7003 to the electronic bill management system 1400 only when receiving an input of confirmation of the electronic bill issue.

  The electronic bill management system 1400 that has received the bill issue approval 7003 registers a new electronic bill in the bill DB 1402. This registration creates new electronic bill information 4000 in the bill DB 1402, records a number that does not overlap with other bill IDs in the bill ID 4010, and records the participant ID 3010 of the bill ejection notification 7001 in the maker ID 4020. Also, the assignee ID 4030 of the note withdrawal notification 7001 is recorded in the assignee ID 4030, the payment amount 4060 of the bill withdrawal notification 7001 is recorded in the payment amount 4060, and the redemption date 4080 of the bill withdrawal notification 7001 is set in the redemption date 4080. Record. As described above, the process of drawing electronic bills is completed, and a new electronic bill is registered in the electronic bill management system 1400.

  Next, a processing flow for transferring electronic bills in the first embodiment will be described with reference to FIG. As shown in FIG. 8, the electronic bill is transferred by storing the bill transfer processing (1) 1201 in the participant system (transferee 1) 1100 as the transfer source, and the participant system (transferee 2) as the transfer destination. The bill transfer process (1) 1301 is stored in 1100, and the transfer registration process (1) 1405, which is a transfer process of the electronic bill right, is stored in the electronic bill management system 1400. Further, hereinafter, in the embodiment of the transfer of electronic bills in the present invention, the participant system (transferee 1) 1100 is a transfer source system used by a participant who becomes the transfer source of electronic bills, and the participant system (transfer) Person 2) 1100 is a transfer destination system used by a participant who is a transfer destination of an electronic bill. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the bill transfer processing (1) 1201, and the operation of the participant system (assignee 2) 1100 is assumed to be bill transfer. It is assumed that the operation is performed according to the process (1) 1301, and the operation of the electronic bill management system 1400 is performed according to the transfer registration process (1) 1405.

  First, a participant system (assignee 1) 1100 of a participant who is a transfer source receives input of a participant ID 3010 and a participant password 3020 from the input device 2102. The participant system (assignee 1) 1100 transmits the received participant ID 3010 and the participant password 3020 as an owned bill list request 8001.

  When the electronic bill management system 1400 receives the possessed bill list request 8001, the electronic bill management system 1400 authenticates the participant who is the transfer source. Next, the electronic bill management system 1400 searches the bill DB 1402 for electronic bill information 4000 in which the assignee ID 4030 is the participant ID 3010 received in the possessed bill list request 8001. If the matching electronic bill information 4000 cannot be retrieved, the processing is stopped. Next, the electronic bill management system 1400 searches the participant DB 1401 using the maker ID 4020 of all the electronic bill information 4000 extracted as a result of the search, and takes out the participant information 3000 whose participant ID 3010 is the maker ID 4020. Look up the participant name 3030. Thereafter, the participant name 3030 of the electronic bill maker is searched in the same manner, and the name of the endorser who is the participant name 3030 of the participant who has endorsed the electronic bill is also billed in the same way. It is assumed that the participant DB 1401 is searched by the endorser ID 4040 of the DB and searched as the participant name 3030 of the participant information 3000 with the matching participant ID 3010. Next, the electronic bill management system 1400 uses all the electronic bill information 4000 extracted as a result of the search and the participant name 3030 corresponding to the issuer ID of the electronic bill information 4000 as an owned bill list 8002 as a participant system (assignee). 1) Send to 1100.

  When the participant system (assignee 1) 1100 receives the possessed bill list 8002, the participant group selection screen 9000 shown in FIG. 9 is displayed on the display device 2101. Here, the candidate group selection screen 9000 is a screen for displaying the contents of bills that can be transferred, and inputting the bill group to be transferred and the transfer destination. In FIG. 9, a bill ID 9001 is a column for displaying a bill ID 4010 of a transferable electronic bill, a maker 9002 is a participant name 3030 of the maker of the electronic bill, and a payment amount 9003 is the electronic bill. Is a column for displaying the payment amount 4060, and a redemption date 9004 is a column for displaying the redemption date 4080 of the electronic bill. A transfer pattern 9005 is a field for the participant terminal (transferee 1) 1100 to receive an input of a set of electronic bill transfer patterns from the operator. The transfer group candidate 9006 is a column for selecting a number for identifying a set of electronic bills to be transferred and an electronic bill to be included in the transfer for each set. The selection box 9007 is for the operator of the participant terminal (assignee 1) 1100 to specify that the electronic bill of the row is included in the transfer group candidate 9006 of the column, and the operator clicks with a mouse, for example. Thus, selection and non-selection can be switched independently for each electronic bill. In the case of the example shown in FIG. 9, two electronic bills with bill IDs 9001 “00100001” and “00200004” are selected in one column of transfer group candidates 9006. This indicates that two electronic bills having the bill ID 9001 of “00100001” and “00200004” are selected as the first candidate of the set of electronic bills to be transferred. Similarly, the example shown in FIG. 9 indicates that two electronic bills having the bill ID 9001 of “00200001” and “00700001” are selected as the second candidate of the set of electronic bills to be transferred. Furthermore, it indicates that one electronic bill having a bill ID 9001 of “00500002” is selected as the third candidate of the electronic bill set to be transferred. Accordingly, the participant terminal (assignee 1) 1100 receives from the operator a bill ID 9001 as a bill to be transferred, that is, two electronic bills whose bill IDs 4010 in the bill DB of the electronic bill management system 1400 are “00100001” and “00200004”, Alternatively, registration of transfer of one of the three electronic bills of “00200001” and “00700001” or one of the three electronic bills of “00500002” is registered. Here, there are only three transfer group candidates 9006 in FIG. 9, but it may be two or less, four or more, or variable. A transfer destination selection box 9009 is for the participant system (transferee 1) 1100 to receive an input of a participant ID 3010 of the transfer destination of the electronic bill from the operator, and the transfer destination of the input device 2102 from, for example, a keyboard. The participant ID 3010 is received. When the participant terminal (assignee 1) 1100 receives an OK button 9008 being pressed by clicking the input device 2102 with, for example, a mouse, the participant terminal (assignee 1) 1100 transmits the assigned bill combination candidate 8003 to the electronic bill management system 1400. The transfer bill combination candidate 8003 holds a bill ID 4010 of the electronic bill selected in each of the transfer patterns 9005 and a participant ID 3010 of the transfer destination input in the transfer destination selection box 9009. Specifically, when there is an input as in the example of FIG. 9, a transfer bill group candidate 8003 has two bill IDs 4010 “00100001” and “00200004” as the first transfer group candidate, and a transfer group candidate. The second bill ID 4010 of “00200001” and “00700001”, and the first bill ID 4010 of “00700001” as the third transfer group candidate. Further, “0000002” is included as the participant ID 3010 of the transfer destination.

  When electronic bill management system 1400 receives transferable bill set candidate 8003 from participant system (transferee 1) 1100, participation bill set candidate 8004 is identified by transferee participant ID 3010 received by participant ID 3010. System (assignee 2) 1100. In this handwritten bill group candidate 8004, for each bill group candidate to be transferred recorded in the handwritten bill group candidate 8003 received from the participant system (transferee 1) 1100, the electronic bill information 4000 from the bill DB 1402 by the bill ID 4010. Search for and record its contents. In addition, in the transfer bill combination candidate 8004, the participant name 3030 of the maker is recorded. Specifically, when the transfer group candidate 9006 is selected as in the example shown in FIG. 9, the electronic bill management system 1400 displays the electronic bill having the bill ID 4010 “00100001” as the transfer bill group candidate 8004. The electronic bill information 4000 and the electronic bill information 4000 of the electronic bill of “00200004” are retrieved from the bill DB 1402 as the first set and recorded. Similarly, the electronic bill information 4000 of the electronic bill of which the bill ID 4010 is “00200001” The electronic bill information 4000 of the electronic bill of “00700001” is retrieved and recorded from the bill DB 1402 as the second set, and the electronic bill information 4000 of the electronic bill of which the bill ID 4010 is “00500002” is taken from the bill DB 1402 as the third set. Search and record.

  When the participant system (assignee 2) 1100 receives the transfer bill combination candidate 8004, the participant system (assignee 2) 1100 receives the input of the participant ID 3010 and the participant password 3020 from the input device 2102, and then, based on the information of the transfer bill combination candidate 8004. A candidate set determination screen 10000 shown in FIG. 10 is displayed on the display device 2101. In FIG. 10, a transfer pattern 10001 is a symbol assigned so that there is no duplication for each set of electronic bills to be transferred. If the transfer side selects the electronic bill to be transferred as shown in FIG. Two transfer patterns 10001 are displayed. The bill ID 10002 is a bill ID 4010 of a candidate electronic bill to be transferred, the maker 10003 is also the participant name 3030 of the maker, the payment amount 10004 is also the payment amount 4060, and the redemption date 10005 is also the redemption date 4080. Also, on the candidate group determination screen 10000, electronic bill information is displayed as a transfer pattern 10001 for each electronic bill group specified by the transfer bill group candidate 8004. Specifically, each transfer pattern 10001 is displayed with a separator line as shown in FIG. In the selection 10006, a selection check box 10007 is provided for each transfer pattern 10001. The selection check box 10007 is used to receive from the input device 2102 a selection of which transfer pattern 10001 sets of electronic bills are to be transferred, and only one of them can be selected. An OK button 10008 is a button for confirming selection and transmitting information to the electronic bill management system 1400. When the participant system (assignee 2) 1100 has selected only one of the selection check boxes 10007 and the OK button 10008 is pressed by, for example, the mouse of the input device 2102, the transfer bill set 8005 is electronically transferred. It transmits to the bill management system 1400. Here, the transfer bill set 8005 includes the participant ID 3010 and the participant password 3020 that are initially input, and the bill ID 10002 of the transfer pattern 10001 of the selected selection check box 10007. Specifically, in the case of FIG. 10, since the selection check box 10007 of the row whose transfer pattern 10001 is “2” is selected, the transfer bill set 8005 includes a row whose transfer pattern 10001 is “2”. It includes “00200001” and “00700001”, which are bill IDs 10002, ie, bill IDs 4010 of electronic bill information 4000.

  When the electronic bill management system 1400 receives the transfer bill set 8005, the electronic bill management system 1400 authenticates the participant who becomes the transferee. Next, registration of electronic bill transfer is performed on the assumption that execution of electronic bill transfer has been confirmed. Here, it is assumed that the participant ID of the transfer source is the participant ID 3010 transmitted by the owned bill list request 8001, and the participant ID of the transfer destination is the participant ID of the transfer destination transmitted by the transfer bill candidate 8003. Further, all the bill IDs 4010 included in the transfer bill set 8005 are assumed as the bill IDs 4010 of the electronic bills to be transferred. In the transfer registration, first, electronic bill information 4000 of the electronic bill to be transferred is searched from the bill DB 1402 by the bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one endorser ID 4040 is added and the transferee participant ID is recorded. At this time, if the last endorser ID 4040 currently recorded is endorser ID (n) 4040, the endorser ID (n + 1) 4040 is recorded. Next, the assignee ID 4030 is rewritten, and the transferee participant ID is recorded. Thus, the electronic bill transfer process is completed, and the change of the electronic bill transferee is registered in the electronic bill management system 1400.

  The electronic bill management system 1400 transmits a transfer result notification 8006 to the participant system (assignee 1) 1100 after changing the assignee of the electronic bill. This transfer result notification 8006 includes electronic bill information 4000 for all electronic bills that have been transferred. Specifically, the electronic bill information 4000 of all electronic bills to be transferred is retrieved from the bill DB 1402, and the contents are recorded in the transfer result notification 8006. The participant system (transferee 1) 1100 that has received the transfer result notification 8006 displays the electronic bill information 4000 recorded in the transfer result notification 8006 as information on the electronic bill transferred to the display device 2101.

  Next, the flow of redemption of electronic bills will be described. Redemption of electronic bills is performed by storing redemption extraction processing (1) 1406 in electronic bill management system 1400 and redemption fund settlement processing in financial institution system 1500. Hereinafter, in this processing flow, the operation of the electronic bill management system 1400 operates according to the redemption extraction process (1) 1406, and the operation of the financial institution system 1500 operates according to the redemption fund settlement process.

  The electronic bill management system 1400 extracts electronic bills to be redeemed on that day before starting the processing of electronic bill transactions during the day, for example. This extraction is performed by searching electronic bill information 4000 having the redemption date 4080 on the current day from the bill DB 1402. The following processing is performed on all the extracted electronic bill information 4000. The electronic bill management system 1400 extracts the maker ID 4020 and the assignee ID 4030 of the extracted electronic bill information 4000, and thereby searches the participant DB 1401 for the participant information 3000 of the electronic bill maker and the current assignee. . Next, the electronic bill management system 1400 transmits a redemption fund settlement notice to the financial institution system 1500. A financial institution system 1500 that is a transmission destination of the redemption fund settlement notice is a financial institution designated in the financial institution account 3050 of the participant information 3000 searched from the maker ID of the extracted electronic bill information 4000. The redemption fund settlement notice includes information recorded in the extracted electronic bill information 4000, information on the financial institution account 3050 of the participant information 3000 retrieved from the maker ID 4020 of the extracted electronic bill information 4000, and also the assignee ID 4030. The information of the financial institution account 3050 of the participant information 3000 searched from is included.

  The financial institution system 1500 that has received the redemption fund settlement notice from the electronic bill management system 1400 transfers funds from the transferor to the transferee on the fund account DB 1501. The drawer is a participant identified by the originator ID 4020 in the electronic bill information 4000, and the assignee is a participant identified by the assignee ID 4030 of the electronic bill information 4000. In this transfer, the financial institution system 1500 that has received the redemption fund settlement notification from the electronic bill management system 1400 designates the fund account balance 5020 of the fund account information 5000 specified by the financial institution account 3050 of the transferor with a payment amount 4060. When the reduction is successful, the amount is increased by increasing the amount specified by the payment amount 4060 in the money account balance 5020 of the money account information 5000 specified by the financial institution account 3050 of the transferee. . In addition, when the transfer of funds is successful in the transfer of funds, the electronic bill is lost, and the electronic bill management system 1400 deletes the electronic bill information 4000 for the redeemed electronic bill from the bill DB 1402. . Here, when the transfer fails due to a shortage of the balance of the account specified by the financial institution account 3050 of the transferor, it is assumed that the transfer has failed, and the participant specified by the endorser ID 4040 in the electronic bill information 4000 And billing for payment.

  Next, a second embodiment of the present invention will be described. The second embodiment is another form of the electronic bill transfer process in the first embodiment.

  A processing flow for transferring electronic bills in the second embodiment will be described with reference to FIG. In the transfer of electronic bills in the present embodiment, as shown in FIG. 11, the bill transfer process (2) 11101 is stored in the participant system (transferee 1) 1100, and the bill transfer is transferred to the participant system (transferee 2) 1100. Processing (2) 11102 is stored, and transfer registration processing (2) 11103 is stored in the electronic bill management system 1400. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the bill assignment processing (2) 11101, and the operation of the participant system (assignee 2) 1100 is assumed to be the bill assignment. It is assumed that the operation is performed according to the process (2) 11102, and the operation of the electronic bill management system 1400 is performed according to the transfer registration process (2) 11103.

  Participant system (assignee 1) 1100 receives input of participant ID 3010 and participant password 3020 from input device 2102. The participant system (assignee 1) 1100 transmits the received participant ID 3010 and participant password 3020 to the electronic bill management system 1400 as a possessed bill list request 11001.

  When the electronic bill management system 1400 receives the possessed bill list request 11001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. . If the matching participant information 3000 cannot be searched, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the processing is referred to as authentication processing in the electronic bill management system 1400. Next, the electronic bill management system 1400 transmits the owned bill list 11002 to the participant system (assignee 1) 1100 in the same manner as the possessed bill list 8002 is created and transmitted in the first embodiment.

  Upon receipt of the owned bill list 11002, the participant system (assignee 1) 1100 displays a candidate selection screen 12000 shown in FIG. Here, the candidate selection screen 12000 is a screen for displaying the contents of bills that can be transferred and for inputting the candidates of the bills to be transferred and the transfer destination. In FIG. 12, a bill ID 12001 is a column for displaying a bill ID 4010 of a transferable electronic bill, a maker 12002 is a participant name 3030 of the maker of the electronic bill, and a payment amount 12003 is the electronic bill. Is a column for displaying the payment amount 4060, and a redemption date 12004 is a column for displaying the redemption date 4080 of the electronic bill. A transfer candidate 12005 is a column for the participant system (transferee 1) 1100 to receive input from the operator on the candidate selection screen 12000 for transferring electronic bills. The selection box 12006 is for the operator of the participant system (assignee 1) 1100 to specify that the electronic bill of the row is included in the candidates to be transferred. Selection and non-selection can be switched independently with electronic bills. In the example shown in FIG. 12, four electronic bills having bill IDs “0010001”, “00200001”, “00200003”, “00200004”, and “00700001” are selected as candidates for transfer. As a result, the participant system (assignee 1) 1100 receives from the operator the electronic bill of the electronic bill information 4000 in which the bill ID 12001 as the bill to be transferred, that is, the bill ID 4010 in the bill DB of the electronic bill management system 1400 is the above five. Suppose you have received a transfer registration. A transfer destination selection box 12008 is used when the participant system (transferee 1) 1100 receives an input of a participant ID 3010 of a transfer destination of an electronic bill from the operator, and the transfer destination of the input device 2102 from, for example, a keyboard. The participant ID 3010 is received. When the participant system (assignee 1) 1100 receives a press of the OK button 12007 by clicking the input device 2102 with, for example, a mouse, the participant system (assignee 1) 1100 transmits a transfer bill candidate 11003 to the electronic bill management system 1400. This transfer bill candidate 11003 holds a bill ID 4010 of the electronic bill selected by the transfer candidate 12005 and the participant ID 3010 of the transfer destination entered in the transfer destination selection box 12008. Specifically, when there is an input as shown in the example of FIG. 12, the transfer bill candidate 11003 is “00100001”, “00200001”, “00200003”, “00200004”, and “00700001” as transfer candidates. The five bill IDs 4010 and the transferee participant ID 3010 include “0000002”.

  When electronic bill management system 1400 receives transferable bill candidate 11003 from participant system (transferee 1) 1100, participant system is identified by transferee participant ID 3010 received by participant ID 3010. (Assignee 2) Send to 1100. In this handwritten bill candidate 11004, the electronic bill information 4000 is searched from the handprint DB 1402 by using the handprint ID 4010 for each handprint candidate to be transferred recorded in the handprint candidate 11003 received from the participant system (transferee 1) 1100. Record the contents. In addition, in the transferable bill candidate 11004, the participant name 3030 of the maker is recorded. Specifically, when the transfer candidate 12005 is selected as in the example shown in FIG. 12, the electronic bill management system 1400 displays the electronic bill of electronic bill whose bill ID 4010 is “00100001” as the transfer bill candidate 11004. Information 4000, electronic bill information 4000 of an electronic bill of “00200001”, electronic bill information 4000 of an electronic bill of “00200003”, electronic bill information 4000 of an electronic bill of “00200004”, and “00700001” The electronic bill information 4000 of a certain electronic bill is retrieved from the bill DB 1402 and recorded.

  Upon receipt of the transfer bill candidate 11004, the participant system (assignee 2) 1100 receives the input of the participant ID 3010 and the participant password 3020 from the input device 2102, and then, based on the information of the transfer bill candidate 11004, FIG. The candidate determination screen 13000 shown in FIG. In FIG. 13, a bill ID 13001 is a bill ID 4010 of a candidate electronic bill to be transferred. . The selection candidate 13005 is provided with a selection check box 13006 for each electronic bill. The selection check box 13006 is for the operator of the participant system (assignee 2) 1100 to specify that the electronic bill of the row is received. For example, when the operator clicks with the mouse, each electronic bill is displayed. It is possible to switch between selection and non-selection independently. An OK button 13007 is a button for confirming selection and transmitting information to the electronic bill management system 1400. When the participant system (assignee 2) 1100 receives one or more of the selection check boxes 13006 and presses the OK button 13007 with, for example, the mouse of the input device 2102, the participant bill selection result 11005 is displayed. It transmits to the electronic bill management system 1400. Here, the transfer bill selection result 11005 includes the participant ID 3010 and the participant password 3020 that are initially received, and the bill ID 13001 of the electronic bill in the row of the selected check box 13006. Specifically, in the case of FIG. 13, the transfer bill selection result 11005 includes two bill IDs 13001 “00100001” and “00200004”, ie, “00100001” and “00200004” which are bill IDs 4010 of the electronic bill information 4000. Including.

  When the electronic bill management system 1400 receives the transfer bill selection result 11005 from the participant system (assignee 2) 1100, the electronic bill management system 1400 authenticates the participant who becomes the assignee. Next, the electronic bill management system 1400 transmits the transfer bill selection result 11006 to the participant system (assignee 1) 1100. In this transfer bill selection result 11006, the candidate bills to be transferred recorded in the transfer bill selection result 11005 received from the participant system (transferee 2) 1100 and the electronic bill information 4000 from the bill DB 1402 by the bill ID 4010 are stored. Search and record the contents. In addition, in the transfer bill selection result 11006, the participant name 3030 of the maker is recorded. Specifically, when the transfer candidate 13005 is selected as in the example shown in FIG. 13, the electronic bill management system 1400 displays the electronic bill of electronic bill whose bill ID 4010 is “00100001” in the transfer bill selection result 11006. The bill information 4000 and the electronic bill information 4000 of the electronic bill “00200004” are retrieved from the bill DB 1402 and recorded.

  The participant system (assignee 1) 1100 that has received the transfer bill selection result 11006 outputs the received information of the electronic bill information 4000 of all the electronic bills to the display device 2101. In addition, the participant system (assignee 1) 1100 displays a screen for confirming whether or not to transfer the electronic bill of the displayed electronic bill information 4000, and receives an input from the input device 2102 as to whether transfer is possible. . Here, the screen for confirming whether or not to perform the transfer is a screen for receiving confirmation of execution of transfer for the electronic bill indicated by the displayed information. For example, the electronic bill of the displayed electronic bill Along with the information 4000, a sentence such as “I want to transfer these electronic bills. Are you sure?” And a confirmation button are displayed. The participant system (assignee 1) 1100 is assumed to be transferable when a button for confirmation is pressed by the input device 2102 with, for example, a mouse. If the input indicating that the transfer is possible is not received, the participant system (transferee 1) 1100 stops the process. When receiving an input indicating that the transfer is possible, the participant system (transferee 1) 1100 next transmits a transfer bill selection result approval 11007 to the electronic bill management system 1400.

  Upon receipt of the transfer bill selection result approval 11007, the electronic bill management system 1400 performs the process of transferring the right of the electronic bill on the assumption that the execution of the transfer of the electronic bill has been confirmed. Here, it is assumed that the transferee participant ID is the participant ID 3010 transmitted by the possessed bill list request 11001 and the transferee participant ID is the transferee participant ID transmitted by the transfer bill candidate 11003. Further, all the bill IDs 4010 included in the transfer bill selection result 11005 are assumed as the bill IDs 4010 of the electronic bills to be transferred. In the transfer registration, first, electronic bill information 4000 of the electronic bill to be transferred is searched from the bill DB 1402 by the bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one endorser ID 4040 is added as a transferee participant ID. At this time, if the last endorser ID 4040 currently recorded is endorser ID (n) 4040, the endorser ID (n + 1) 4040 is recorded. Next, the assignee ID 4030 is rewritten, and the transferee participant ID is recorded. Thus, the electronic bill transfer process is completed, and the change of the electronic bill transferee is registered in the electronic bill management system 1400.

  The electronic bill management system 1400 transmits a transfer result notification 11008 to the participant system (assignee 2) 1100 after changing the assignee of the electronic bill. This transfer result notification 11008 includes electronic bill information 4000 of all electronic bills that have been transferred. Specifically, the electronic bill information 4000 of all electronic bills to be transferred is retrieved from the bill DB 1402, and the contents are recorded in the transfer result notification 11008. The participant system (transferee 2) 1100 that has received the transfer result notification 11008 displays the electronic bill information 4000 recorded in the transfer result notification 11008 as information on the electronic bill transferred to the display device 2101.

  Next, a third embodiment of the present invention will be described. The third embodiment is another form of the electronic bill transfer process in the first embodiment. In the third embodiment, neither the electronic bill transfer side nor the transfer side receives a selection from the electronic bill list, and the electronic bill management corresponding to the range of the amount entered by the transfer side is performed. System 1400 selects automatically. Details of the third embodiment will be described below.

  A processing flow for transferring electronic bills in the third embodiment will be described with reference to FIG. In the transfer of electronic bills in the present embodiment, as shown in FIG. 14, bill transfer processing (3) 14101 is stored in participant system (transferee 1) 1100, and bill transfer is transferred to participant system (transferee 2) 1100. Processing (3) 14102 is stored, and transfer registration processing (3) 14103 is stored in the electronic bill management system 1400. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the bill transfer processing (3) 14101, and the operation of the participant system (assignee 2) 1100 is assumed to be bill transfer. It is assumed that the operation is performed according to the process (3) 14102 and the operation of the electronic bill management system 1400 is performed according to the transfer registration process (3) 14103.

  The participant system (assignee 1) 1100 receives from the input device 2102 an input of the participant ID 3010, the participant password 3020, and the range of the electronic bill amount to be transferred. Here, the range of the amount of electronic bills to be transferred is a range that the total amount of electronic bills to be transferred can take, and is specified by two numerical values, a minimum value and a maximum value. The participant system (transferee 1) 1100 transmits the input participant ID 3010, participant password 3020, and the amount range to the electronic bill management system 1400 as the transfer amount 14001. Here, the range of the money of the electronic bill to be transferred may be a numerical value designating either the minimum value or the maximum value.

  When the electronic bill management system 1400 receives the transfer amount 14001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. If the matching participant information 3000 cannot be searched, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the processing is referred to as authentication processing in the electronic bill management system 1400. Next, the electronic bill management system 1400 searches the bill DB 1402 for the electronic bill information 4000 that is the participant ID 3010 received by the assignee ID 4030 with the transfer amount 14001. If the matching electronic bill information 4000 cannot be retrieved, the processing is stopped. Next, the electronic bill management system 1400 combines several electronic bill information 4000 from all the retrieved electronic bill information 4000, and the total of the payment amount 4060 is within the range of the amount specified by the transfer amount 14001. A combination of electronic bill information 4000 that is within is searched. This search can be performed by trying all combinations when the number of electronic bill information 4000 is small. Further, when the number of electronic bill information 4000 is large, for example, the electronic bill information 4000 is sorted by the amount of the payment amount 4060, and the combination search is performed by giving priority to the one with the small amount of payment 4060. You can search for If the electronic bill management system 1400 cannot find a combination of bill information that falls within the range of the amount specified by the transfer amount 14001, the electronic bill management system 1400 stops the processing. Next, the electronic bill management system 1400 transmits all the electronic bill information 4000 extracted as a result of the search and the participant name 3030 of the assignee to the participant system (assignee 1) 1100 as the candidate bills 14002. Here, when the electronic bill management system 1400 finds a plurality of combinations of electronic bill information 4000 such that the sum of the payment amount 4060 is within the range of the amount specified by the transfer amount 14001, all the electronic bill information 4000 The combination of the bill information 4000 is transmitted to the participant system (assignee 1) 1100, or the combination having the smallest sum or the largest sum among the combinations is transmitted to the participant system (assignee 1) 1100. . In addition, in the transfer amount 14001, when the range of the amount is not the two numerical values of the maximum value and the minimum value but only the maximum value or the minimum value, an electronic bill with an amount larger than the minimum value or an amount smaller than the maximum value. When a combination of information 4000 is searched and there are many results, the one close to the specified maximum value or minimum value is given priority.

  Here, the electronic bill management system 1400 searches for bill information in which the sum of the payment amount 4060 is within the range of the amount specified by the transfer amount 14001. However, the electronic bill management system 1400 does not evaluate the sum by the sum of the payment amount 4060. Other means may be used to evaluate the value closer to the value of the actual electronic bill. The value of this electronic bill can be determined in the same way as the method for determining the amount of money that is normally used for discounting promissory notes and factoring accounts receivable. The actual value of the electronic bill can be determined by evaluating the creditworthiness of the person ID 4020 and the endorser ID 4040 and the interest until the redemption date 4080. Specifically, the electronic bill management system stores the credit-specific coefficient information 15000 shown in FIG. 15 and the interest rate. The credit-specific coefficient information 15000 is obtained by recording a credit-specific coefficient 15100 for each credit rating 3100. The credit-specific coefficient 15100 is a numerical value to be multiplied by the payment amount 4060 in order to evaluate the value of the electronic bill of the participant whose credit rating is 3100. In the example of FIG. 15, for example, when the credit rating 3100 is “AA”, “0.925” is used as the credit-specific coefficient 15100. The interest rate is a numerical value representing a change in the value of the electronic bill depending on the number of days from the present to the redemption date 4080 of the electronic bill, and is a general interest rate for lending or borrowing. In order to calculate the value of the electronic bill using the creditworthiness 3100, the creditworthiness 3100 of the participant information having the participant ID specified by the originator ID 4020 or the endorser ID 4040 is checked, and the credit is obtained from the credit-specific coefficient information 15000. Another coefficient 15100 is obtained and multiplied by the payment amount 4060. When the interest rate is used to calculate the value of the electronic bill, the actual interest amount obtained by multiplying the multiplication result, the interest rate, and the number of days from the present to the redemption date 4080 is further subtracted from the multiplication result.

  The participant system (assignee 1) 1100 that has received the transfer bill candidate 14002 outputs the received information of the electronic bill information 4000 of all the electronic bills to the display device 2101. Also, the participant system (assignee 1) 1100 displays a screen for confirming whether or not the electronic bill of the displayed electronic bill information 4000 is to be transferred, and receives an input from the input device 2102 as to whether or not transfer is possible. . Here, the screen for confirming whether or not to transfer is arranged, for example, in the electronic bill information 4000 of the displayed electronic bill, and a sentence such as “Do you want to transfer these electronic bills? Are you sure?” , Display a confirmation button. The participant system (assignee 1) 1100 is assumed to be transferable when a button for confirmation is pressed by the input device 2102 with, for example, a mouse. If the input indicating that the transfer is possible is not received, the participant system (transferee 1) 1100 stops the process. When receiving an input indicating that the transfer is possible, the participant system (transferee 1) 1100 receives an input of the transferee participant ID 3010 from the input device 2102. Next, the transfer bill approval 14003 is transmitted to the electronic bill management system 1400. In this transfer bill approval 14003, the participant system (transferee 1) 1100 records the electronic bill information 4000 of the electronic bill received by the transfer bill candidate 14002 and the participant ID 3010 of the transfer destination. Here, when the participant system (transferee 1) 1100 receives a plurality of combinations of electronic bill information 4000 as transfer bill candidates 14002 from the electronic bill management system 1400, all information of the electronic bill information 4000 is received. Displayed on the display device 2101, receives input for selecting which combination is allowed to be transferred from the input device 2102, and records all electronic bill information 4000 of the selected combination in the transfer bill approval 14003.

  When electronic bill management system 1400 receives transferable bill candidate 14003 from participant system (transferee 1) 1100, participant specified by transferee's participant ID 3010 received by transferable bill approval 14003 is transferred bill candidate 14004. Send to system (assignee 2) 1100. In the transfer bill candidate 14004, the electronic bill information 4000 received in the transfer bill approval 14003 and the participant name 3030 of the maker of the electronic bill information 4000 are recorded and transmitted to the participant system (transferee 2) 1100.

  The participant system (assignee 2) 1100 that has received the transfer bill candidate 14004 outputs the received information of the electronic bill information 4000 of all the electronic bills to the display device 2101. Also, the participant system (assignee 2) 1100 displays a screen for confirming whether or not the electronic bill of the displayed electronic bill information 4000 is to be assigned, and receives an input from the input device 2102 indicating whether the assignment can be made or not. . Here, the screen for confirming whether or not to receive the transfer is arranged in the electronic bill information 4000 of the displayed electronic bill, for example, and a sentence such as “Do you want to receive these electronic bills? Display a confirmation button. The participant system (assignee 2) 1100 is assumed to be able to assign when a confirmation button is pressed by the input device 2102 with, for example, a mouse. If the input indicating that the assignment is possible is not received, the participant system (assignee 2) 1100 stops the process. When the participant system (transferee 2) 1100 receives an input indicating that transfer is possible, the participant system (transferee 2) 1100 transmits a transfer bill approval 14005 to the electronic bill management system 1400.

  When the electronic bill management system 1400 receives the transfer bill approval 14005, the electronic bill management system 1400 performs the transfer processing of the right of the electronic bill on the assumption that the execution of the transfer of the electronic bill has been confirmed. Here, it is assumed that the participant ID of the transfer source is the participant ID 3010 transmitted at the transfer amount 14001, and the participant ID of the transfer destination is the participant ID of the transfer destination transmitted by the transfer bill approval 14003. Further, the bill ID 4010 of the electronic bill information 4000 received by the transfer bill approval 14003 is used as the bill ID 4010 of the electronic bill to be transferred. In the transfer registration, first, electronic bill information 4000 of the electronic bill to be transferred is searched from the bill DB 1402 by the bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one endorser ID 4040 is added as a transferee participant ID. At this time, if the last endorser ID 4040 currently recorded is endorser ID (n) 4040, the endorser ID (n + 1) 4040 is recorded. Next, the assignee ID 4030 is rewritten, and the transferee participant ID is recorded. Thus, the electronic bill transfer process is completed, and the change of the electronic bill transferee is registered in the electronic bill management system 1400.

  The electronic bill management system 1400 transmits a transfer result notification 14006 to the participant system (assignee 1) 1100 after changing the assignee of the electronic bill. This transfer result notification 14006 includes electronic bill information 4000 of all electronic bills that have been transferred. Specifically, the electronic bill information 4000 of all electronic bills to be transferred is retrieved from the bill DB 1402, and the contents are recorded in the transfer result notification 11008. The participant system (transferee 1) 1100 that has received the transfer result notification 14006 displays the electronic bill information 4000 recorded in the transfer result notification 14006 as information on the electronic bill transferred to the display device 2101.

  Next, a fourth embodiment of the present invention will be described. The fourth embodiment is another form of the electronic bill transfer process in the first embodiment. The difference from the first embodiment is that the participant system (assignee 1) from the receipt of the possessed bill list 8002 from the electronic bill management system 1400 to the transmission of the transfer bill group candidate 8003 to the electronic bill management system 1400. 1100 processing. Here, in the first embodiment, the participant system (transferee 1) 1100 displays the candidate set selection screen 9000 shown in FIG. 9 on the display device 2101 and inputs the transfer set candidate 9006 from the input device 2102. However, in this embodiment, the transfer group candidate 9006 is not received, but the input of the range of the amount is received, and the participant system (transferee 1) 1100 transfers based on that input. A candidate for a set of electronic bills to be created is created.

  Specifically, the participant system (assignee 1) 1100 performs the following processing after receiving the owned bill list 8002. First, the participant system (assignee 1) 1100 receives an input of the amount of electronic bills to be transferred from the input device 2102. Here, the range of the amount of electronic bills to be transferred is a range that the total amount of electronic bills to be transferred can take, and is specified by two numerical values, a minimum value and a maximum value. Next, in the third embodiment, the participant system (assignee 1) 1100 determines that the electronic bill management system 1400 considers the total amount of payment 4060 of the electronic bill, or the credit or creditor's creditworthiness, or In the same way as the electronic bill is searched so that the amount of interest reduced by the number of days until the redemption date 4080 falls within the range of the electronic bill to be transferred, the total amount of the electronic bill is equal to the amount of the electronic bill to be transferred. Search electronic bills to be in range. Here, when a set of electronic bills that falls within the range of the amount of electronic bills to be transferred cannot be retrieved, the participant system (transferee 1) 1100 stops the processing. Next, the participant system (assignee 1) 1100 transmits a transfer bill combination candidate 8003 to the electronic bill management system 1400 based on the search result. Specifically, the participant system (transferee 1) 1100 searches the electronic bills so that the total payment amount 4060 of the electronic bills falls within the range of the amount of electronic bills to be transferred. For each combination, a bill ID 4010 of an electronic bill is transmitted as a pair. Further, when a combination of a plurality of electronic bills is found as a result of the search, information on the combination of the electronic bills is displayed on the display device 2101, and a selection from these is received from the input device 2102, and the one combination is displayed. Only the bill ID 4010 of the electronic bill may be used as the transfer bill candidate 8003. As described above, the participant system (assignee 1) 1100 performs the processing, and transmits the transfer bill combination candidate 8003. As for other processes, the participant system (assignee 1) 1100, the participant system (assignee 2) 1100, and the electronic bill management system 1400 perform the same processes as in the first embodiment.

  Next, a processing flow for transferring electronic bills in the fifth embodiment will be described with reference to FIG. As shown in FIG. 16, the electronic bill is transferred by storing the bill transfer processing (4) 16101 in the participant system (transferee 1) 1100 and the bill transfer processing (4) in the participant system (transferee 2) 1100. 16102, transfer registration processing (4) 16103 is stored in the electronic bill management system 1400, and transfer assistance processing 16104 and amount determination processing 16105 are stored in the financial institution system 1500. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the bill transfer processing (4) 16101, and the operation of the participant system (assignee 2) 1100 is assumed to be bill transfer. It is assumed that the operation of the electronic bill management system 1400 operates according to the transfer registration processing (4) 16103, and the operation of the financial institution system 1500 operates according to the transfer assist processing 16104 and the amount determination processing 16105. It shall be. In this processing flow, when electronic bills are transferred, electronic bill information 4000 of electronic bills that are candidates for transfer is transmitted to financial institution system 1500, and the estimated amount of those electronic bills is calculated as financial institution system 1500. Is to efficiently select the electronic bill at the time of transfer of the electronic bill.

  Participant system (assignee 1) 1100 receives input of participant ID 3010 and participant password 3020 from input device 2102. The participant system (assignee 1) 1100 transmits the received participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as an owned bill list request 16001.

  When the electronic bill management system 1400 receives the possessed bill list request 16001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. . If the matching participant information 3000 cannot be searched, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the processing is referred to as authentication processing in the electronic bill management system 1400. Next, the electronic bill management system 1400 transmits the owned bill list 16002 to the participant system (assignee 1) 1100 in the same manner as the possessed bill list 8002 is created and transmitted in the first embodiment.

  Upon receipt of the owned bill list 16002, the participant system (assignee 1) 1100 displays the candidate selection screen 12000 shown in FIG. The contents displayed on the candidate selection screen 12000 and the process performed by the participant system (assignee 1) 1100 displaying the candidate selection screen 12000 are the same as in the case of the second embodiment. However, the transfer candidate 12005 is a column for the participant terminal (transferee 1) 1100 to receive an input of an electronic bill transfer candidate from the operator, but unlike the second embodiment, transfer is possible. The receiving side does not select the electronic bill to be received from the electronic bills specified by the transfer candidate 12005 that the participant terminal (transferee 1) 1100 has received input, and the transfer is always specified by this transfer candidate 1205 Assume that electronic bills are combined. When the participant terminal (assignee 1) 1100 receives a press of the OK button 12007 by clicking the input device 2102 with, for example, a mouse, the participant terminal (assignee 1) 1100 receives an input of the target amount from the input device 2102. Here, the target amount is an amount that the persons who transfer the electronic bills want to settle by transferring the electronic bills. Next, the participant terminal (transferee 1) 1100 transmits the transfer bill candidate 16003 to the electronic bill management system. This transfer bill candidate 16003 holds the electronic bill bill ID 4010 selected by the transfer candidate 12005, the transfer participant ID 3010 input in the transfer destination selection box 12008, and the target amount received from the input device 2102. ing.

  When the electronic bill management system 1400 receives the transfer bill candidate 16003 from the participant system (transferee 1) 1100, the electronic bill management system 1400 transmits the transfer bill candidate 16004 to the financial institution system 1500. Here, the transmission destination is the financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received by the possessed bill list request 16001 or the transfer destination participation received by the transfer bill candidate 16003. The financial institution system 1500 of the financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the person ID 3010 is assumed. Alternatively, before transmitting the candidate bill 16003, the participant system (assignee 1) 1100 receives input of information (such as a financial institution name) for identifying the financial institution system 1500, and electronically transmits it together with the candidate bill 16003. The information may be transmitted to the bill management system 1400, and the electronic bill management system 1400 may use the information as a transmission destination of the transfer bill candidate 16004. In this handwritten bill candidate 16004, the electronic bill information 4000 is searched from the handprint DB 1402 using the handprint ID 4010 for each handprint candidate to be transferred recorded in the handprint candidate 16003 received from the participant system (transferee 1) 1100. Record the contents. Further, in the transfer bill candidate 16004, for each electronic bill that is a candidate to be transferred, the participant DB 1401 is searched by the maker ID 4020 of the electronic bill information 4000 as the maker name, and the participant name 3030 is extracted and recorded. Further, in the transfer bill candidate 16004, for each electronic bill that is a candidate for transfer, the participant DB 1401 is searched by the endorsement ID 4020 of the electronic bill information 4000 as the endorsement name, and the participant name 3030 is extracted and recorded.

  When the financial institution system 1500 receives the transfer bill candidate 16004 by the transfer assist processing 16104, the financial institution system first notifies the electronic bill information 4000 of the electronic bill included in the transfer bill candidate 16104 received in the money amount determination processing 16105, the name of the originator, and the name of the endorser. , Calculate the amount of money evaluated for each electronic bill and receive the result. Here, the money amount determination process 16105 is a process that, when receiving electronic bill information 4000 as an input, evaluates and outputs the amount of the electronic bill. In addition, the transfer assist processing 16104 evaluates the amount of each electronic bill by the amount determination processing 16105 that usually exists in the same system, but depending on the contents of the electronic bill, that is, the maker ID and endorser ID, The amount may be determined by the amount determination process 16105. For example, in a certain financial institution, the amount of electronic bills can be determined more accurately by using the amount determination processing 16105 of the financial institution system 1500 of another branch with which the electronic bill is drawn and / or endorsed. This is done to evaluate and determine the amount.

  Next, the process of the money amount determination process 16105 will be described. The first amount determination method in the amount determination processing 16105 is a method of automatically determining by using the payment amount 4060 of the received electronic bill information 4000 as it is. The second method of determining the amount in the amount determination process 16105 is for the payment amount 4060 of the received electronic bill information 4000, as in the processing of the electronic bill management system 1400 described in the third embodiment. This is a method of automatically determining the amount of money based on the creditworthiness 3100 of the participant specified by the ID or the endorsement ID, the coefficient information 15,000 by credit, and the interest rate. At this time, the credit rating 3100, the credit-specific coefficient information 15000, and the interest rate are stored in the financial institution system 1500 separately from those stored in the electronic bill management system 1400, and are used. In addition, when the amount of money cannot be determined, such as when the credit information 3100 of the participant specified by the originator ID 4020 or the endorser ID 4040 of the received electronic bill information 4000 is not recorded in the available participant information 3000, the financial information The institution system 1500 requests other financial institutions such as other branches of the financial institution to determine the amount. When the electronic bill information 4000 of the electronic bill and the name of the sender and endorser are transmitted to the amount determination processing 16105 of the other branch as the transmission destination, and the output of the electronic bill amount determined at the transmission destination is received, The received amount is recorded as an electronic bill amount. Here, the destination of requesting the determination of the amount is, for example, a financial institution specified by the financial institution account 3050 of the participant information 3000 specified by the maker ID 4020 or endorser ID 4040 of the electronic bill information 4000. The third method of determining the amount in the amount determination process 16105 is a method in which the financial institution system 1500 displays the amount determination screen 17000 shown in FIG. 17 on the display device 2101 and receives the input of the amount from the operator. The amount determination screen 17000 displays bill ID 4010, the name of the allocator 17001, the name of the endorser 17003, the amount of payment 4060, the date of payment 4070, and the date of redemption 4080 as information on the bill whose amount should be determined. Here, the name of the drawing person 17001 is the name of the drawing person of the electronic bill received from the electronic bill management system as the transferable bill candidate 16004. The endorser name 17003 is the endorser name of the electronic bill received from the electronic bill management system as the transferable bill candidate 16004. An amount 17004 is a column for displaying the displayed electronic bill amount in response to an input from the input device 2102. When the operator of the financial institution system 1500 that is performing the processing cannot determine the amount, the transfer destination 17005 requests the financial institution of the request destination in order to request the other branch of the financial institution to determine the amount. This is a column for designating the engine system 1500. When the OK button 17006 is selected by the input device 2102 after receiving the input of the amount 17004 or the transfer destination 17005, when the amount 17004 is input, the amount 17004 is determined as the amount of the electronic bill. If the transfer destination 17005 has been input, the electronic bill amount is determined by another financial institution system 1500, and the electronic bill is determined in the amount determination processing 16105 of the financial institution system 1500 specified by the transfer destination 17005. The electronic bill information 4000, the name of the writer and the name of the endorser are transmitted. When the financial institution system 1500 receives the output of the electronic bill amount determined by another financial institution system 1500 specified by the transfer destination 17005, it records the received amount as the electronic bill amount. As a result, the amount of the electronic bill is determined and output, and the amount determination processing 16105 ends. The transfer assist processing 16104, which has determined the amount of all electronic bills by the amount determination processing 16105, then sums the amounts of all electronic bills, and the electronic bills specified by all the bill information received by the transfer bill candidate 16004. Find the total amount. The financial institution system 1500 that has determined the amount then transmits the calculated amount to the electronic bill management system 1400 as the estimated amount 16005.

  When electronic bill management system 1400 receives estimated amount 16005 from financial institution system 1500, electronic bill management system 1400 transmits estimated amount 16006 to participant system (assignee 1) 1100 identified by participant ID 3010 received in possessed bill list request 16001. To do. The estimated amount 16006 includes the amount recorded in the estimated amount 16005 received from the financial institution system 1500.

  When the participant system (assignee 1) 1100 receives the estimated amount 16006, the participant system (assignee 1) 1100 displays the amount recorded in the estimated amount 16006 on the display device 2101. Next, when the participant system (transferee 1) 1100 receives an input of transfer approval from the input device 2102, the participant system (transferee 1) 1100 transmits a transfer approval 16007 to the electronic bill management system 1400. Here, the input of approval for assignment is performed by displaying a button for approval on the display device 2101 and receiving a press of the input device 2102 with a mouse, for example. The participant system (assignee 1) 1100 stops the process when there is no input for approval of assignment.

  When the electronic bill management system 1400 receives the transfer approval 16007 from the participant system (assignee 1) 1100, the transfer bill candidate 16008 is identified by the transferee participant ID 3010 received by the transfer bill candidate 16003. (Assignee 2) Send to 1100. The transfer bill candidate 16008 includes the electronic bill information 4000 received by the transfer bill candidate 16003, the participant name 3030 of the maker, the target amount received by the transfer bill candidate 16003, and the amount of the electronic bill received by the estimated amount 16005. Is recorded and transmitted to the participant system (assignee 2) 1100.

  When the participant system (transferee 2) 1100 receives the transfer bill candidate 16008, the participant system (transferee 2) 1100 displays the electronic bill information 4000, the name of the payer, the target amount, and the estimated amount 16005 on the display device 2101. Next, when the participant system (transferee 2) 1100 receives an input of transfer approval from the input device 2102, it transmits a transfer approval 16009 to the electronic bill management system 1400. Here, the input of approval for assignment is performed by displaying a button for approval on the display device 2101 and receiving a press of the input device 2102 with a mouse, for example. The participant system (assignee 2) 1100 stops the process when there is no input for approval of assignment.

  Upon receipt of the transfer approval 16009, the electronic bill management system 1400 performs the process of transferring the right of the electronic bill, assuming that the execution of the transfer of the electronic bill has been confirmed. Here, it is assumed that the participant ID of the transfer source is the participant ID 3010 transmitted by the possessed bill list request 16001, and the participant ID of the transfer destination is the participant ID of the transfer destination transmitted by the transfer bill candidate 16003. In addition, all the bill IDs 4010 included in the candidate bill of transfer 16003 are assumed as the bill IDs 4010 of the electronic bills to be transferred. In the transfer registration, first, electronic bill information 4000 of the electronic bill to be transferred is searched from the bill DB 1402 by the bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one endorser ID 4040 is added as a transferee participant ID. At this time, if the last endorser ID 4040 currently recorded is endorser ID (n) 4040, the endorser ID (n + 1) 4040 is recorded. Next, the assignee ID 4030 is rewritten, and the transferee participant ID is recorded. Thus, the electronic bill transfer process is completed, and the change of the electronic bill transferee is registered in the electronic bill management system 1400.

  The electronic bill management system 1400 that has transferred the right of the electronic bill next transmits a difference settlement request 16010 to the financial institution system 1500. The difference settlement request 16010 transmits, to the financial institution system 1500, the difference between the target amount received from the participant system (transferee 1) 1100 using the candidate bill 16003 and the amount received from the financial institution system 1500 using the estimated amount 16005. This is a notification for requesting settlement of funds for the difference. The financial institution system 1500 that is the notification destination of the difference settlement request 16010 is a financial institution designated by the financial institution account 3050 obtained by searching the participant information 3000 with the participant ID of the electronic bill transfer source or the electronic bill The financial institution system 1500 of the financial institution designated by the financial institution account 3050 obtained by searching the participant information 3000 by the participant ID of the transfer destination, for example, participant information on the paying side as a result of calculating the difference The data is transmitted to the financial institution system 1500 specified by the 3000 financial institution accounts 3050. The difference settlement request 16010 includes the amount of the difference, information on the financial institution account 3050 that is the payment method of the amount, and information on the financial institution account 3050 that is the way to receive the difference.

  Receiving the difference settlement request 16010 from the electronic bill management system 1400, the financial institution system 1500 transfers funds on the fund account DB 1501. In this transfer, the fund account balance 5020 of the fund account information 5000 specified by the financial institution account 3050 as the payment method is reduced by the amount of the difference, and when the reduction is successful, the transfer is performed at the financial institution account 3050 as the way to receive. This is done by increasing the fund account balance 5020 of the specified fund account information 5000 by the difference amount.

  The electronic bill management system 1400 transmits a transfer result notification 16011 to the participant system (transferee 1) 1100 after performing the fund settlement of the difference. This transfer result notification 16011 includes bill information of all electronic bills to be transferred. Specifically, the electronic bill information 4000 of all electronic bills to be transferred is retrieved from the bill DB 1402, and the contents and the difference in funds settlement are recorded in the transfer result notification 16011. The participant system (transferee 1) 1100 that has received the transfer result notification 16011 receives the electronic bill information 4000 recorded in the transfer result notification 16011 as information on the electronic bill transferred to the display device 2101 and the difference amount. indicate.

  Next, a sixth embodiment of the present invention will be described. The sixth embodiment is a form of processing for discounting electronic bills. Here, the electronic bill discount refers to payment of funds from a financial institution instead of transferring the right to receive future funds from the electronic bill owned by the participant specified by the assignee ID 4030 in the electronic bill information 4000. The act of receiving. Hereinafter, the person who discounts the electronic bills owned will be the holder. In this sixth embodiment, the owner selects an electronic bill for discounting, the financial institution determines the total payment amount for the electronic bill, and the electronic bill holder approves the amount for the discount. Assigns electronic bills and pays funds. Details of the sixth embodiment will be described below.

  A processing flow for discounting electronic bills in the sixth embodiment will be described with reference to FIG. In the transfer of electronic bills in the present embodiment, as shown in FIG. 18, discount request processing (1) 18101 is stored in participant system (transferee 1) 1100, and discount registration processing (1) is stored in electronic bill management system 1400. 18102 is stored, and the discount execution process (1) 18103 and the money amount determination process 16105 are stored in the financial institution system 1500. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 operates according to the procedure shown in the discount request processing (1) 18101, and the operation of the electronic bill management system 1400 is the discount registration processing (1). It is assumed that the operation of the financial institution system 1500 is performed according to the discount execution process (1) 18103 and the amount determination process 16105.

  Participant system (assignee 1) 1100 receives input of participant ID 3010 and participant password 3020 from input device 2102. The participant system (assignee 1) 1100 transmits the received participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as an owned bill list request 18001.

  When the electronic bill management system 1400 receives the possessed bill list request 18001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. . If the matching participant information 3000 cannot be searched, the process is stopped. Next, the electronic bill management system 1400 transmits the owned bill list 18002 to the participant system (assignee 1) 1100 in the same manner as the possessed bill list 8002 is created and transmitted in the first embodiment.

  When the participant system (assignee 1) 1100 receives the owned bill list 18002, it displays a discount candidate selection screen on the display device 2101. Here, the discount candidate selection screen has substantially the same form as the candidate selection screen shown in FIG. 12, but there is no transfer destination selection box 12008, and a discount candidate is input instead of the transfer candidate 12005. It has a column to select by input from. Here, the discount candidate is designation of an electronic bill as a candidate for discount. When the participant system (assignee 1) 1100 selects an OK button displayed on the display device 2101 in a state where one or more discount candidates are selected from the input device 2101, the electronic bill management system A discount bill candidate 18003 is transmitted to 1400. Here, a bill ID 4010 of an electronic bill selected as a transfer candidate is recorded in the discount bill candidate 18003.

  When electronic bill management system 1400 receives discount bill candidate 18003 from participant system (assignee 1) 1100, electronic bill management system 1400 transmits discount bill candidate 18004 to financial institution system 1500. Here, the transmission destination is a financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received by the owned bill list request 18001. Alternatively, before the discount bill candidate 18003 is transmitted, the participant system (assignee 1) 1100 receives input of information (such as a financial institution name) for identifying the financial institution system 1500, and electronically inputs the information together with the discount bill candidate 18003. The information may be transmitted to the bill management system 1400, and the electronic bill management system 1400 may use the information as a transmission destination of the transferable bill candidate 18004. In this discount bill candidate 18004, the electronic bill information 4000 is searched from the bill DB 1402 for the bill candidate for each discount recorded in the discount bill candidate 18003 received from the participant system (assignee 1) 1100 by the bill ID 4010. Record the contents. Further, in the discount bill candidate 18004, for each electronic bill that is a candidate for discount, the participant DB 1401 is searched by the maker ID 4020 of the electronic bill information 4000 as the maker name, and the participant name 3030 is extracted and recorded. Further, in the discount bill candidate 18004, for each electronic bill that is a candidate for discount, the participant DB 1401 is searched by the endorsement ID 4020 of the electronic bill information 4000 as the endorsement name, and the participant name 3030 is extracted and recorded.

  When the financial institution system 1500 receives the discount bill candidate 18004 by the discount execution process (1) 18103, first, the electronic bill information 4000, the name of the assignee, and the name of the endorser included in the discount bill candidate 18104 received in the amount determination process 16105. , Let them evaluate the amount of each electronic bill and receive the result. The contents of the amount determination processing 16105 are the same as those in the fifth embodiment. The discount execution processing (1) 18103, which has determined the evaluation of the amount of all electronic bills by the amount determination processing 16105, then sums the amounts of all electronic bills and designates all the bill information received by the discount bill candidate 18004. Find the total amount of electronic bills to be made. Next, the financial institution system 1500 that has determined the amount transmits the calculated amount to the electronic bill management system 1400 as a total payment amount 18005.

  Upon receiving the total payment amount 18005 from the financial institution system 1500, the electronic bill management system 1400 receives the total payment amount 18006 from the participant system (assignee 1) 1100 identified by the participant ID 3010 received in the owned bill list request 18001. Send to. The total payment amount 18006 includes the amount recorded in the total payment amount 18005 received from the financial institution system 1500.

  Upon receiving the total payment amount 18006, the participant system (assignee 1) 1100 displays the amount recorded in the total payment amount 18006 on the display device 2101. Next, when the participant system (transferee 1) 1100 receives an input of a discount approval from the input device 2102, the participant system (transferee 1) 1100 transmits a payment amount approval 18007 to the electronic bill management system 1400. Here, the approval of discount is input by displaying a button for approval on the display device 2101 and receiving a press of the input device 2102 with a mouse, for example. The participant system (assignee 1) 1100 stops the process when there is no input for the approval of the discount.

  Upon receipt of the payment amount approval 18007, the electronic bill management system 1400 performs the electronic bill discount process on the assumption that the execution of the electronic bill discount has been confirmed. In the electronic bill discount processing, the electronic bill is transferred to the financial institution that has transmitted the total payment amount 18005 and fund settlement is performed. Here, it is assumed that the participant ID of the transfer source is the participant ID 3010 transmitted in the possessed bill list request 18001, and the participant ID of the transfer destination is the participant ID 3010 that identifies the financial institution that transmitted the total payment amount 18005. In addition, all the bill IDs 4010 included in the discount bill candidate 18003 are assumed as the bill IDs 4010 of the electronic bills to be transferred. In the transfer registration, first, electronic bill information 4000 of the electronic bill to be transferred is searched from the bill DB 1402 by the bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one endorser ID 4040 is added as a transferee participant ID. At this time, if the last endorser ID 4040 currently recorded is endorser ID (n) 4040, the endorser ID (n + 1) 4040 is recorded. Next, the assignee ID 4030 is rewritten, and the transferee participant ID is recorded. Thus, the electronic bill transfer process is completed, and the change of the electronic bill transferee is registered in the electronic bill management system 1400.

  Next, the electronic bill management system transmits a payment amount approval 18008 to the financial institution system 1500. The payment amount approval 18008 notifies the participant system (transferee 1) of the total payment amount 18005 by the total payment amount 18006, and then notifies the financial institution system 1500 that the electronic bill management system 1400 has received the payment amount approval 18007. It is for contacting.

  The financial institution system 1500 that has received the payment amount approval 18008 from the electronic bill management system 1400 pays funds to the holder on the fund account DB 1501. This payment is performed by increasing the fund account balance 5020 of the fund account information 5000 specified by the financial institution account 3050 of the holder by the amount transmitted by the total payment amount 18005.

  Next, a seventh embodiment of the present invention will be described. The seventh embodiment is a form of processing for discounting electronic bills. In the seventh embodiment, the electronic bill holder selects an electronic bill for discounting, the financial institution determines the amount of payment for each electronic bill, and the electronic bill holder determines that amount. Only for approved electronic bills, transfer of electronic bill rights and payment of funds at a discount.

  Details of the seventh embodiment will be described below.

  A processing flow for discounting electronic bills in the seventh embodiment will be described with reference to FIG. In the transfer of electronic bills in this embodiment, as shown in FIG. 19, discount request processing (2) 19101 is stored in the participant system (transferee 1) 1100, and discount registration processing (2) is stored in electronic bill management system 1400. 19102 is stored, and the discount execution process (2) 19103 and the amount determination process 16105 are stored in the financial institution system 1500. Thereafter, in this processing flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the discount request processing (2) 19101, and the operation of the electronic bill management system 1400 is the discount registration processing (2). It is assumed that the operation of the financial institution system 1500 is performed according to the discount execution process (2) 19103 and the amount determination process 16105.

  Participant system (assignee 1) 1100 receives input of participant ID 3010 and participant password 3020 from input device 2102. The participant system (assignee 1) 1100 transmits the received participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as an owned bill list request 19001.

  When the electronic bill management system 1400 receives the possessed bill list request 19001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. . If the matching participant information 3000 cannot be searched, the process is stopped. Next, the electronic bill management system 1400 transmits the owned bill list 19002 to the participant system (assignee 1) 1100 in the same manner as the possessed bill list 8002 is created and transmitted in the first embodiment.

  When the participant system (assignee 1) 1100 receives the owned bill list 19002, the participant system (assignee 1) 1100 receives the owned bill list 19002 as in the sixth embodiment that received the owned bill list 18002 and transmitted the discount bill candidate 18003. Then, the discount bill candidate 19003 is transmitted to the electronic bill management system 1400.

  When the electronic bill management system 1400 receives the discount bill candidate 19003 from the participant system (assignee 1) 1100, the electronic bill management system 1400 receives the discount bill candidate 18003 and transmits the discount bill candidate 18004, as in the sixth embodiment. The discount bill candidate 19004 is transmitted to the financial institution system 1500.

  When the financial institution system 1500 receives the discount bill candidate 19004 by the discount execution process (2) 19103, first, the electronic bill information 4000, the name of the writer, and the name of the endorser included in the discount bill candidate 19004 received in the amount determination process 16105. , Let them evaluate the amount of each electronic bill and receive the result. The contents of the amount determination processing 16105 are the same as those in the fifth embodiment. The discount execution process (2) 19103, in which the amounts of all electronic bills are determined by the amount determination processing 16105, is paid as a discounted payment amount to be paid to the holder when the amount of all electronic bills is discounted next. The information is recorded in the list 19005 and transmitted to the electronic bill management system 1400.

  Upon receiving the payment amount list 19005 from the financial institution system 1500, the electronic bill management system 1400 receives the payment amount list 19006 from the participant system (assignee 1) 1100 identified by the participant ID 3010 received in the possessed bill list request 19001. Send to. The payment amount list 19006 includes the electronic bill information 4000 of the electronic bill selected in the discount bill candidate 19003, the discounted payment amount for the electronic bill received in the payment amount list 19005, and the participation of the maker of each electronic bill The name 3030 is included.

  Upon receiving the payment amount list 19006 from the electronic bill management system 1400, the participant system (assignee 1) 1100 determines which electronic bill discount is to be executed from among the electronic bills included in the electronic bill information 4000 included therein. To do. The bill for executing this discount is determined by one of the following two methods.

  A first method for determining a bill for executing a discount is that a participant system (assignee 1) 1100 receives an input of a discount target amount from the input device 2102, and based on the discount target amount, the participant system (transfer) Person 1) 1100 determines the electronic bill on which the discount is executed. Here, the discount target amount is a range of the amount paid by discounting the electronic bill, and is specified by two numerical values, a minimum value and a maximum value. The participant system (transferee 1) 1100 receives the payment amount list 19006 in the same manner as the electronic bill management system 1400 selects the electronic bill from the amount range received with the transfer amount 14001 in the third embodiment. The electronic bill is selected so that the sum of the discounted payment amounts of the electronic bills falls within the range of the amount received from the input device 2102. A second method for determining a bill for executing discount is a method in which a discount bill determining screen 20000 shown in FIG. 20 is displayed on the display device 2101 and an input of selection of an electronic bill for executing discount is received from an operator. is there. On the discount bill determination screen 20000, from the electronic bill information 4000 received in the payment amount list 19006, the bill ID 4010 is displayed as the bill ID 20001, the payment amount 4060 is displayed as the payment amount 20003, and the redemption date 4080 is displayed as the redemption date 20004. In addition, the name of the participant of the maker is displayed on the maker 20002, and further, the discounted payment amount 20005 determined by the financial institution system 1500 is displayed. Further, a column for selecting an electronic bill for executing a discount is provided as a discount selection 20006 having a selection box 20007 in the same manner as the input of the transfer candidate 12005 in FIG. In the second method for determining the bill for executing the discount, when the OK button 20008 is pressed by the input device 2102, the electronic bill in which the selection box 20007 is selected is targeted for discount.

  The participant system (assignee 1) 1100 that has determined the electronic bill for executing the discount by one of the above two methods, as a result, uses the bill ID 4010 of the electronic bill for executing the discount as the discount bill selection 19007 for electronic bill management. To system 1400.

  When the electronic bill management system 1400 receives the discount bill selection 19007, the electronic bill management system 1400 performs the electronic bill discount processing on the assumption that the execution of the electronic bill discount has been confirmed.

  Similar to the sixth embodiment, the discount processing is the transfer of electronic bills to the financial institution that has transmitted the payment amount list 19005 and the settlement of funds. The electronic bill with the electronic bill ID received in discount bill selection 19007 is used. Do only about. The electronic bill management system 1400 transmits a discount bill selection 19008 to the financial institution system 1500 when registering the change of the assignee for the electronic bill with the electronic bill ID received in the discount bill selection 19007. In the discount bill selection 19008, the bill ID of the electronic bill received by the discount bill selection 19007 from the participant system (assignee 1) 1100 is recorded.

  The financial institution system 1500 that received the discount bill selection 19008 from the electronic bill management system 1400 pays funds to the holder on the fund account DB 1501. In this payment, for each electronic bill of the bill ID 4010 received in the discount bill selection 19008, the discounted payment amount transmitted in the payment amount list 19005 is used as the funds of the fund account information 5000 specified by the financial institution account 3050 of the holder. This is done by adding the account balance 5020.

  Next, an eighth embodiment of the present invention will be described. The eighth embodiment is a form of processing for discounting electronic bills. In the eighth embodiment, when the holder notifies the amount desired to be obtained by discounting, the financial institution selects an electronic bill that satisfies the amount, and after the holder approves the selection, the holder discounts the electronic bill. Assigns rights and pays funds. Details of the eighth embodiment will be described below.

  A processing flow for discounting electronic bills in the eighth embodiment will be described with reference to FIG. In the transfer of electronic bills in this embodiment, as shown in FIG. 21, discount request processing (3) 21101 is stored in participant system (transferee 1) 1100, and discount registration processing (3) is stored in electronic bill management system 1400. 21102 is stored, and the discount execution process (3) 21103 and the amount determination process 16105 are stored in the financial institution system 1500. Thereafter, in this process flow, the operation of the participant system (assignee 1) 1100 is assumed to operate according to the procedure shown in the discount request process (3) 21101, and the operation of the electronic bill management system 1400 is the discount registration process (3). It is assumed that the operation of the financial institution system 1500 is performed according to the discount execution process (3) 21103 and the amount determination process 16105.

  Participant system (assignee 1) 1100 receives input of participant ID 3010, participant password 3020, and target amount from input device 2102. Here, the target amount is a target of the amount desired to be obtained by discounting the electronic bills owned, and the range of the amount is designated by the minimum value and the maximum value. The participant system (assignee 1) 1100 transmits the input participant ID 3010, participant password 3020, and target amount to the electronic bill management system 1400 as an amount notification 21001.

  Upon receiving the amount notification 21001, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. If the matching participant information 3000 cannot be searched, the process is stopped. Next, the electronic bill management system 1400 searches the bill DB 1402 for electronic bill information 4000 in which the participant ID received in the amount notification 21001 matches the assignee ID 4030. Also, as the name of the writer and the name of the endorser, the name of the writer who corresponds to the writer ID 4020 and the writer ID 4030 of the electronic bill information 4000 extracted as a result of the search match the participant ID 3010 in the participant DB 1401. Search from participant information 3000. Next, the electronic bill management system 1400 transmits a bill / amount notification 21002 to the financial institution system 1500. In this amount notification 21002, the target amount recorded in the amount notification 21001 received from the participant system (assignee 1) 1100, the searched electronic bill information 4000, the participant name 3030 of the maker, and the endorser's participation The person name 3030 is recorded. Here, the transmission destination is the financial institution system 1500 of the financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received by the amount notification 21001. Alternatively, before sending the amount notification 21001, the participant system (transferee 1) 1100 receives input of information (such as a financial institution name) for identifying the financial institution system 1500, and manages the electronic bills together with the amount notification 21001 The information may be transmitted to the system 1400, and the electronic bill management system 1400 may use the information as a transmission destination of the bill / monetary amount notification 21002.

  When the financial institution system 1500 receives the bill / amount notification 21002 by the discount execution process (3) 21103, first, the electronic bill information 4000 and the name of the maker who has been included in the bill / amount notification 21002 received in the amount determination process 16105, The name of the endorser is notified, the amount of each electronic bill is evaluated, and the result is received. The contents of the amount determination processing 16105 are the same as those in the fifth embodiment. The discount execution processing (3) 21103 in which the amounts of all electronic bills have been determined by the amount determination processing 16105 is the target received by the bill / amount notification 21002 as the sum of the amounts obtained by the amount determination processing 16105 from a plurality of electronic bill information 4000. A set of electronic bill information 4000 is searched such that it falls within the range of the money amount. Here, the electronic bill information 4000 within the amount range is searched in the same manner as in the third embodiment when the electronic bill management system searches the electronic bill so that it falls within the specified amount range. However, in the third embodiment, the combination is calculated based on the payment amount 4060 or the price obtained by subtracting the amount according to interest or credit from the payment amount 4060. However, in the selection of electronic bills to be discounted, the discount The loss for the transferee must be reduced among the multiple combinations in which the amount of funds obtained by performing the transaction is within the range of the target amount. That is, when there are a plurality of combinations of electronic bills that fall within the range of the target amount, in each of those combinations, the amount of payment 4060 of the included electronic bill and the amount that the financial institution used for calculating the target amount purchases the electronic bill The combination of electronic bills that minimizes the sum of the differences in the amount determination processing 16105 is selected. This is because the difference between the payment amount 4060 and the target amount is the funds obtained by the transferee on the redemption date of the electronic bill unless the electronic bill is discounted. This is because it requires higher costs for the credit risk of the bills and the interest until the redemption date. Next, the financial institution system 1500 electronically uses the total discount amount that is the sum of all the electronic bill information 4000 selected by the search and the amount determination processing 16105 of the selected electronic bill as the discount candidate bill list 21003. It transmits to the bill management system 1400.

  Upon receipt of the discount candidate bill list 21003, the electronic bill management system 1400 transmits the discount candidate bill list 21004 to the participant system (assignee 1) 1100. Here, in the discount candidate bill list 21004, the electronic bill information 4000 recorded in the discount candidate bill list 21003, the total discount amount, and the participant name 3030 corresponding to the maker ID 4020 of the electronic bill information 4000 are given to the participant. Search from DB 1401 and record.

  Upon receipt of the discount candidate bill list 21004, the participant system (assignee 1) 1100 displays the electronic bill information 4000, the name of the maker, and the total discount amount on the display device 2101. Next, when the participant system (assignee 1) 1100 receives a discount approval input from the input device 2102, the participant system (transferee 1) 1100 transmits a discount approval 21005 to the electronic bill management system 1400. Here, the approval of discount is input by displaying a button for approval on the display device 2101 and receiving a press of the input device 2102 with a mouse, for example. The participant system (assignee 1) 1100 stops the process when there is no input for the approval of the discount.

  When the electronic bill management system 1400 receives the discount approval 21005, the electronic bill management system 1400 performs the electronic bill discount processing on the assumption that the execution of the electronic bill discount has been confirmed. Similar to the sixth embodiment, the discount processing is transfer of electronic bills to the financial institution that transmitted the bill / amount notification 21002 and fund settlement, but the electronic bill ID received in the discount candidate bill list 21003 Only for electronic bills. The electronic bill management system 1400 transmits a discount approval 21006 to the financial institution system 1500 when registering the change of the right assignee for the electronic bill with the electronic bill ID received in the discount candidate bill list 21003.

  Receiving the discount approval 21006 from the electronic bill management system 1400, the financial institution system 1500 pays funds to the holder on the fund account DB 1501. In this payment, for each electronic bill of the bill ID 4010 transmitted in the discount candidate bill list 21003, the amount determined by the amount determination processing 16105 is used as the balance of the fund account of the fund account information 5000 specified by the financial institution account 3050 of the holder. This is done by adding 5020.

  Next, a processing flow for delaying redemption will be described as a ninth embodiment. As shown in FIG. 22, the system configuration for performing redemption delay stores redemption delay request processing 30110 in the participant system (drawer) 1100, and redemption delay approval processing 30130 in the participant system (assignee 2) 1100. And the redemption delay acceptance process 30120 is stored in the electronic bill management system 1400. Other DB arrangements and connection modes are the same as those in the first embodiment shown in FIG. Hereinafter, in this processing flow, the operation of the participant system (drawer) 1100 is assumed to operate according to the procedure shown in the redemption delay request processing 30110, and the operation of the participant system (assignee 2) 1100 is the redemption delay approval processing. It is assumed that the electronic bill management system 1400 operates according to the procedure shown in the redemption delay receiving process 30120.

  The participant system (drawer) 1100 receives input of a participant ID 3010, a participant password 3020, and a redemption period from the input device 2102. Here, the redemption period is data specifying an arbitrary time interval, for example, specifying within one week from the current day. The participant system (drawer) 1100 transmits the received participant ID 3010, participant password 3020, and redemption period to the electronic bill management system 1400 as a bill list transmission request 30010 to be redeemed.

  When the electronic bill management system 1400 receives the bill list transmission request 30010 to be redeemed, the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. Search for. If the matching participant information 3000 cannot be searched, the process is stopped. Hereinafter, in the description of this processing flow, the processing is referred to as authentication processing in the electronic bill management system 1400. If the participant information 3000 is found, the electronic bill information 4000 included in the redemption period received by the redemption date 4080 is matched with the participant ID 3010 of the participant information 3000 searched for from the bill DB 1402 from the bill DB 1402. Are retrieved, and the retrieved electronic bill information 4000 is returned to the participant system (drawer) 1100 as the electronic bill list 30020 to be redeemed.

  When the participant system (drawer) 1100 receives the electronic bill list 30020 to be redeemed, it outputs all items of all electronic bill information 4000 included in the electronic bill list 30020 to be redeemed to the display device 2101. Next, the participant system (drawer) 1100 inputs, from the input device 2102, a bill ID 4010 that specifies which electronic bill information 4000 is to be requested for a redemption delay among all the displayed electronic bill information 4000, and a new one. In response to the input of the post-delay redemption date that specifies when to make a redemption date, the bill ID 4010 and the post-delay redemption date are transmitted to the electronic bill management system 1400 as a redemption delay request 30030.

  Upon receiving the redemption delay request 30030, the electronic bill management system 1400 searches the bill DB 1402 for electronic bill information 4000 having the same bill ID 4010 as the received bill ID 4010. Next, the retrieved electronic bill information 4000 and the received delayed redemption date are transferred as a redemption delay approval request 30040 to the participant system 1100 identified by the assignee ID 4030 of the retrieved electronic bill information 4000. Hereinafter, in the description of this embodiment, the redemption delay approval request 30040 is transferred to the participant system (assignee 2) 1100.

  Upon receiving the redemption delay approval request 30040, the participant system (assignee 2) 1100 outputs the received electronic bill information 4000 and the post-delay redemption date using the display device 2101. Next, the participant system (assignee 2) 1100 receives the input of the participant ID 3010 and the participant password 3020, and further, “approval”, “non-approval”, “request for change of redemption date after delay” as the result of redemption delay approval Receive one of the inputs. Here, “approval” is data indicating that redemption delay is permitted, and “non-approval” is data indicating that it is not allowed. The “request for change of redemption date after delay” is data indicating that the redemption date is requested to be changed again, and includes date information. The date information is data that specifies when the redemption date is specifically changed. Next, the participant system (assignee 2) 1100 receives the received electronic bill information 4000, the delayed redemption date, the entered participant ID 3010, the participant password 3020, and the redemption delay approval result as the redemption delay approval result registration 30050. It transmits to the electronic bill management system 1400.

  When the electronic bill management system 1400 receives the redemption delay approval result registration 30050, the electronic bill management system 1400 performs the authentication process described above using the received participant ID 3010 and participant password 3020. If the authentication process fails, the process is stopped. If the authentication process is successful, it is determined whether or not the received redemption delay approval result is “approval”. In the case of “approved”, electronic bill information 4000 matching the received electronic bill information 4000 is retrieved from the bill DB 1402, and the redemption date 4080 of the retrieved electronic bill information 4000 is changed to the delayed redemption date received. Then, the updated electronic bill information 4000 is written back into the bill DB 1402. Next, when the redemption delay approval result is “approval” or “non-approval”, the electronic bill management system 1400 uses the received redemption delay approval result registration 30050 as the redemption delay approval result notification 30060 to the participant system (drawer). ) Transfer to 1100. The participant system (assignee 2) 1100 that has received the transfer displays the received electronic bill information 4000 and the redemption delay approval result using the display device 2101.

  If the redemption delay approval result is “post-delay redemption date change request”, the received redemption delay approval result registration 30050 is transferred as a delay schedule change approval request 31010 to the participant system (drawer) 1100 (FIG. 23). Upon receipt of the delayed schedule change approval request 31010, the participant system (drawer) 1100 displays the received electronic bill information 4000 and date information included in the “delayed redemption date change request” using the display device 2101. Next, the participant system (drawer) 1100 receives either “approval” or “non-approval” as the redemption delay schedule change approval from the input device 2102. Next, the participant system (drawer) 1100 transmits the received electronic bill information 4000 and the received redemption delay schedule change approval as the redemption delay schedule change approval registration 31020 to the electronic bill management system 1400.

  When electronic bill management system 1400 receives redemption delay schedule change approval registration 31020, electronic bill management system 1400 determines whether the received redemption delay approval result is “approval”. In the case of “approved”, electronic bill information 4000 matching the received electronic bill information 4000 is retrieved from the bill DB 1402 and the redemption date 4080 of the retrieved electronic bill information 4000 is received “request for change of delayed redemption date” And the updated electronic bill information 4000 is written back to the bill DB 1402. Next, the electronic bill management system 1400 transfers the received redemption delay schedule change approval registration 31020 to the participant system (assignee 2) 1100 as the redemption delay schedule change approval result notification 31030. The participant system (assignee 2) 1100 displays the received electronic bill information 4000 and date information included in the “postponement redemption date change request” using the display device 2101.

  The ninth embodiment will be summarized below. In the ninth embodiment, an electronic bill management system having a message intermediary function for applying for a delay in redemption to a transferee and a function for registering a delayed negotiation result is realized at the time of redemption. In addition, as a function of the electronic bill management system attached to the above functions, a function for sending a list of electronic bills to be redeemed to participants and a function for mediating change of redemption date from the assignee were realized.

  Next, as a tenth embodiment, a process will be described in which, when a financial institution borrows funds based on a backup line, an issuer pays out an electronic bill as consideration for the borrowing. This process is broadly divided into a processing flow that sets the limit of the backup line that sets in advance how much the financial institution allows borrowers to borrow, and the borrower actually requests borrowing based on the backup line It consists of a processing flow.

  First, the processing flow for setting the backup line limit will be described. As shown in FIG. 24, the system configuration for setting the backup line limit amount stores a backup line limit setting request processing 32110 in the participant system (drawer) 1100, and the electronic bill management system 1400 stores the backup line. A limit amount setting acceptance process 32120 is stored, and a backup line limit amount setting approval process 32130 is stored in the financial institution system 1500 and configured. Other DB arrangements and connection modes are the same as those in the first embodiment shown in FIG. Thereafter, in this processing flow, the operation of the participant system (drawer) 1100 is assumed to operate according to the procedure shown in the backup line limit setting request processing 32110, and the operation of the electronic bill management system 1400 is the backup line limit setting. The operation of the financial institution system 1500 is assumed to operate according to the procedure indicated in the backup line limit setting approval processing 32130.

  Participant system (drawer) 1100 receives input of participant ID 3010, participant password 3020, backup line limit 3140, and backup line providing financial institution ID 3130 from input device 2102. Next, the participant system (drawer) 1100 receives the entered participant ID 3010, participant password 3020, backup line limit 3140, and backup line providing financial institution ID 3130 as the backup line limit setting request 32010, and the electronic bill management system 1400 Send to.

  When the electronic bill management system 1400 receives the backup line limit setting request 32010, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the received participant ID 3010 and the participant password 3020. If the matching participant information 3000 cannot be searched, the process is stopped. When the participant information 3000 is found, a request to approve the backup line limit for the received participant ID 3010 and the backup line limit 3140 is sent to the financial institution system 1500 specified by the received backup line providing financial institution ID 3130. Transfer as 32020.

  Upon receiving the backup line limit approval request 32020, the financial institution system 1500 displays the received participant ID 3010 and the backup line limit 3140 using the display device 2101. Next, the financial institution system 1500 receives either “approval” or “non-approval” as the backup line limit approval from the input device 2102. Next, the financial institution system 1500 transmits the received participant ID 3010, the backup line limit 3140, and the received backup line limit approval as the backup line limit approval result 32030 to the electronic bill management system 1400.

  Upon receiving the backup line limit approval result 32030, the electronic bill management system 1400 has the same participant ID 3010 as the participant ID 3010 received from the participant DB 1401 if the received backup line limit approval is “approved”. Search for participant information 3000. Next, the backup line providing financial institution ID 3130 received from the participant system (drawer) 1100 is stored in the backup line providing financial institution ID 3130 of the searched participant information 3000. Next, the electronic bill management system 1400 stores the received backup line limit 3140 in the backup line limit 3140 of the searched participant information 3000. Next, the electronic bill management system 1400 transmits the received backup line limit amount approval result 32030 to the participant system (drawer) 1100 as a backup line limit amount setting result notification 32040.

  Upon receiving the backup line limit setting result notification 32040, the participant system (drawer) 1100 displays the received backup line limit approval using the display device 2101.

  Next, referring to FIG. 25, a processing flow in which the maker requests borrowing from a financial institution based on the backup line and issues an electronic bill as a consideration for the request will be described. In this processing flow, a backup line borrowing request process 33110 is stored in the participant system (drawer) 1100, a backup line borrowing acceptance process 33120 is stored in the electronic bill management system 1400, and a backup line fund transfer process is performed in the financial institution system 1500. 33130 is stored and configured. Other DB arrangements and connection modes are the same as those in the first embodiment shown in FIG. Thereafter, in this processing flow, the operation of the participant system (drawer) 1100 is assumed to operate according to the procedure shown in the backup line borrowing request processing 33110, and the operation of the electronic bill management system 1400 is performed in the backup line borrowing acceptance processing 33120. The operation of the financial institution system 1500 is assumed to operate according to the procedure shown in the backup line fund transfer process 33130.

  Participant system (drawer) 1100 receives input of participant ID 3010, participant password 3020, and balance calculation date from input device 2102. Here, the balance calculation date is data for designating an arbitrary date, for example, tomorrow is designated. The participant system (drawer) 1100 transmits the received participant ID 3010, participant password 3020, and balance calculation date as a predicted balance transmission request 33005.

  Upon receiving the predicted balance transmission request 33005, the electronic bill management system 1400 searches the participant information 3000 having the participant ID 3010 and the participant password 3020 that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. . If the matching participant information 3000 cannot be searched, the process is stopped. When the participant information 3000 is found, the received participant ID 3010 is transmitted as a balance transmission request 33010 to the financial institution system 1500 specified by the backup line providing financial institution ID 3130 of the searched participant information 3000. Hereinafter, when the participant information 3000 is simply described in the description of this flow, it refers to the searched participant information 3000. If not found, stop processing.

  When receiving the balance transmission request 33010, the financial institution system 1500 searches the fund account DB 1501 for the fund account information 5000 having the same value as the received participant ID 3010 in the fund account ID 5010. Next, the financial institution system 1500 transmits the received participant ID 3010 and the fund account balance 5020 of the retrieved fund account information 5000 to the electronic bill management system 1400 as a balance notification 33020.

When electronic bill management system 1400 receives balance notification 33020, electronic bill management system 1400 creates a predicted balance, which is numerical data, and initializes the value with the value of received fund account balance 5020. Next, the electronic bill management system 1400 is the same as the participant ID 3010 received by the assignee ID 4030 from the bill DB 1402 and the redemption date 4080 is the electronic bill before the balance calculation date received from the participant system (drawer) 1100. Search all information 4000. Furthermore, the electronic bill management system 1400 adds the sum of the payment amounts 4060 of all the searched electronic bill information 4000 to the predicted balance. Next, the electronic bill management system 1400 is the same as the participant ID 3010 received by the maker ID 4020 from the bill DB 1402, and the redemption date 4080 is the electronic bill before the balance calculation date received from the participant system (drawer) 1100. Search all information 4000. Further, the electronic bill management system 1400 subtracts the sum of the payment amounts 4060 of all the electronic bill information 4000 retrieved from the predicted balance. Also, the electronic bill management system 1400 creates an expected date of date as date data, and substitutes the earliest date among the redemption dates 4080 of all the searched electronic bill information 4000. Next, electronic bill management system 1400 determines whether the prediction balance is negative value, the predicted balance in the case of a negative value, in the issuer participants ID3010 to ID4020 has received, assignee ID4030 is a participant information 3000 With the backup line providing financial institution ID 3130, the payment amount 4060 is a value obtained by multiplying the predicted balance by −1, and the date of payment 4070 generates electronic bill information 4000 of the date of expected payment. For the bill ID 4010, an arbitrary value that does not match the bill ID 4010 of any bill information 4000 stored in the bill DB 1402 is substituted. Next, the electronic bill management system 1400 transmits the predicted balance and the electronic bill information 4000 when the electronic bill information 4000 is generated, to the participant system (drawer) 1100 as the predicted balance notification 33030.

  Upon receipt of the predicted balance notification 33030, the participant system (drawer) 1100 displays the received predicted balance using the display device 2101. If the predicted balance is a positive value, the participant system (drawer) 1100 ends the process. In the case of a negative value, the participant system (drawer) 1100 displays the received electronic bill information 4000 using the display device 2101. Next, the participant system (drawer) 1100 receives input of data for specifying whether or not to issue an electronic bill based on the contents of the electronic bill information 4000 from the input device 2102 and inputs that the electronic bill is not drawn out. If received, stop processing. When receiving an input for debiting, it further receives an input of the redemption date 4080 from the input device 2102 and substitutes the input value for the same item of the received electronic bill information 4000. Next, the participant system (drawer) 1100 transmits the received electronic bill information 4000 to the electronic bill management system 1400 as a bill draft request 33040 by a backup line.

  When the electronic bill management system 1400 receives the electronic bill information 4000 as the bill issue request 33040 by the backup line, the total of the backup line usage amount 3150 of the participant information 3000 and the payment amount 4060 of the received electronic bill information 4000 is the participant. It is determined whether or not the backup line limit 3140 of the information 3000 is larger. If it is determined that the data will become larger, data indicating that the withdrawal is impossible is transmitted to the participant system (drawer) 1100 as a bill withdrawal result 33060 by the backup line. If it does not increase, continue processing. Here, without comparing with the backup line limit 3140, the electronic bill information 4000 is transmitted to the financial institution system 1500, and the electronic bill is drawn out from the financial institution system 1500 (from the financial institution system 1500, it is loaned by the backup line). The process may be continued only when the confirmation of whether or not to perform the operation is received and the fact that the transaction can be performed is received. Next, the electronic bill management system 1400 searches the bill DB 1402, matches the maker ID 4020 of the electronic bill information 4000 received by the maker ID 4020, and further matches the date 4070 of the electronic bill information 4000 received by the redemption date 4080. All the electronic bill information 4000 to be searched is searched. Next, the electronic bill management system 1400 assigns the bill ID 4010 of the received electronic bill information 4000 to the redemption waiting bill ID 4090 of all the retrieved electronic bill information 4000. Further, the electronic bill management system 1400 transmits the received electronic bill information 4000 as a fund transfer request 33050 by the backup line to the financial institution system 1500, and the data indicating the permission for withdrawal as the bill withdrawal result 33060 by the backup line. (Drawer) 1100 is transmitted.

  When the financial institution system 1500 receives the fund transfer request 33050 by the backup line, the funds having the same value as the maker ID 4020 of the received electronic bill information 4000 on the date specified by the withdrawal date 4070 of the received electronic bill information 4000. The fund account information 5000 having the account ID 5010 is searched. Next, the financial institution system 1500 increases the received payment amount 4060 to the fund account balance 5020 of the searched fund account information 5000. Next, the financial institution system 1500 transmits the received electronic bill information 4000 to the electronic bill management system 1400 as a fund transfer completion notification 33070 by the backup line.

  When the electronic bill management system 1400 receives the fund transfer completion notification 33070 by the backup line, it registers the received electronic bill information 4000 in the bill DB 1402. This assumes that the electronic bill represented by the electronic bill information 4000 is effective.

  When the participant system (drawing person) 1100 receives the bill-drawing result 33060 by the backup line, it displays the bill-drawing result 33060 by the received backup line using the display device 2101.

  Further, the redemption by the electronic bill management system 1400 in the present embodiment is performed by the redemption extraction process (2) 50100 shown in FIG. 33, which is different from the redemption extraction process (1) 1406 in the first embodiment. Shall. The difference between the redemption extraction process (2) 50100 and the redemption extraction process (1) is as follows. In the redemption extraction process (2) 50100, before requesting settlement to the financial institution system for the electronic bill information 4000 to be redeemed, a value is assigned to the billing ID 4090 at the time of redemption of the electronic bill information 4000 to be redeemed. Judge whether it has been. If no value is assigned, the settlement request is made as it is. If the value is substituted, it is determined whether or not the bill information 4000 having the same bill ID 4010 as the redemption waiting bill ID 4090 is registered in the bill DB 1402. If registered, a settlement request is made as it is. If it is not registered, no settlement request is made. In the present embodiment, the electronic bill management system 1400 repeatedly executes the redemption extraction process (2) 50100 in one day.

  The tenth embodiment has been described above. In the tenth embodiment, an electronic bill management having an intermediary function of a message for applying for borrowing (backup line) to a financial institution due to a shortage of funds of the maker at the time of redemption and an electronic bill denomination function as a consideration for borrowing Realized the system. Further, in this embodiment, two types of methods are shown: a method of setting a backup line limit, borrowing within the limit, and a method in which a financial institution approves for each borrower's borrowing application. Furthermore, as a function of the electronic bill management system that accompanies the above functions, a function that automatically generates a template of electronic bills to be drawn up as consideration for borrowing from the forecast of insufficient amount and pre-registered backup line setting information, backup at the writer When the line borrowing and redemption of electronic bills occur on the same day, a sequence control function has been realized so that borrowing is performed in advance.

  Next, processing for displaying an electronic bill will be described as an eleventh embodiment.

  As shown in FIG. 28, the system configuration for displaying the electronic bill is to record electronic bill display processing 36010 in the participant system 1100 or the financial institution 1500 and transmit the electronic bill information / participant information to the electronic bill management system 1400. Processing 36020 and restriction information 36030 are recorded and configured. The restriction information 36030 restricts which item of the participant information 3000 is transmitted when the electronic bill management system 1400 transmits the participant information 3000 to the participant system 1100 or the financial institution 1500 in the processing flow described later. It is data to be. Further, as shown in FIG. 29, the structure is data in which some items of the participant information 3000 are extracted. Other DB arrangements and connection modes are the same as those in the first embodiment shown in FIG. The electronic bill display is realized by a processing flow performed by the electronic bill display processing 36010 and the electronic bill information / participant information transmission processing 36020. In addition, the electronic bill is displayed at any time when it is necessary to display the contents of the electronic bill in all operations such as withdrawal and transfer in the participant system 1100, discount in the financial institution 1500, and backup line setting. In the example of FIG. 28, an example in which an electronic bill is displayed in the participant system (assignee 2) 1100 will be described. Hereinafter, in this processing flow, the operation of the participant system (assignee 2) 1100 is assumed to operate according to the procedure shown in the electronic bill display processing 36010, and the operation of the electronic bill management system 1400 is the electronic bill information / participant information. It is assumed that the operation is performed according to the procedure shown in the transmission process 36020.

  Participant system (drawer) 1100 receives input of participant ID 3010, participant password 3020, and bill ID 4010 from input device 2102. Next, the participant system (drawer) 1100 transmits the received participant ID 3010, participant password 3020, and bill ID 4010 to the electronic bill management system 1400 as a display information transmission request 36110.

  When electronic bill management system 1400 receives display information transmission request 36110, electronic bill management system 1400 searches for participant information 3000 having participant ID 3010 and participant password 3020 that match the received participant ID 3010 and participant password 3020. If the matching participant information 3000 cannot be searched, the process is stopped. When the participant information 3000 is found, the electronic bill information 4000 having the same bill ID 4010 as the received bill ID 4010 is searched from the bill DB 1402. If the electronic bill information 4000 cannot be retrieved, the processing is stopped. In the description of this processing flow, hereinafter, when it is simply described as electronic bill information 4000, it means the electronic bill information 4000 that has been searched. Next, the electronic bill management system 1400 determines whether the received participant ID 3010 matches any one of the originator ID 4020, assignee ID 4030, and endorser ID 4040 of the electronic bill information 4000. This determination is a restriction for presenting the contents of the electronic bill only to the participants who are involved in the transaction of the electronic bill 4000 in some form. In the description of this processing flow, when a plurality of endorsement IDs 4040 are included in the electronic bill information 4000, processing in each processing step is performed for all endorsement IDs 4040. In the above determination, if none of them match, the process is stopped. If any of them matches, the following processing is continued. Next, the electronic bill management system 1400 searches the participant DB 1401 for participant information 3000 having the same participant ID 3010 as the assigner ID 4020, the assignee ID 4030, and the endorser ID 4040. Next, only items included in the restriction information 36030 are extracted from the items included in each searched participant information 3000. The extracted participant information, endorser, and assignee participant information 3000 will be referred to as originator restriction information, endorser restriction information, and assignee restriction information, respectively. Next, the electronic bill management system 1400 transmits the electronic bill information 4000, the maker restriction information, the endorser restriction information, and the assignee restriction information as display information 36120 to the participant system (assignee 2) 1100.

  When the participant system (assignee 2) 1100 receives the display information 36120, the display device 2101 uses the book information 34100 corresponding to the actual bill book and the endorsement information 34200 corresponding to the end document as shown in FIG. To display. In the book information 34100 and the endorsement information 34200, the bill ID 4010 of the electronic bill information 4000, the payment amount 4060, the redemption date 4080, and the financial institution account 3050 of the transferor restriction information are displayed. Also, the participant name 3030 of the transferee restriction information is displayed as the transferor name 34120, the participant name 3030 of the endorsement person restriction information is set as the endorsement person name 34130, and the participant name 3030 of the assignee restriction information is displayed as the transferee name 34220. Further, a wording 34110 that means “pay the above amount to you or your instructor” is also displayed together with the name of the assignee 34120. Along with the endorser name 34130, a wording 34210 “Pay the amount indicated to the following endorsed person or his / her instructor” is also displayed. Note that FIG. 26 shows a display example that actually follows the bill representation, but other information included in the electronic bill information 4000 may be displayed as appropriate. Next, the participant system (assignee 2) 1100 uses the input device 2102 to specify, for example, the participant name 3030, the name of the originator, and the name of the endorser 34130 by clicking the mouse, etc. When the display request for the transferee restriction information is received, all of the transferor restriction information, the endorser restriction information, and the assignee restriction information are displayed as the participant restriction information 35100 shown in FIG. Display items.

  The eleventh embodiment will be summarized below. In the eleventh embodiment, a mechanism for displaying an electronic bill similar to the actual bill representation is realized. In addition, a system that can display company information and credit information of electronic bill drawers, endorsers, and assignees from the electronic bill display screen has been realized.

  Next, as a twelfth embodiment, a process for displaying a list of electronic bills provided with a function for displaying the credit information of the electronic bill maker, endorser, and assignee and the change of the credit information will be described. As shown in FIG. 30, the system configuration for displaying a list of electronic bills is to record electronic bill list display processing 38010 in the participant system 1100 or the financial institution 1500 and transmit electronic bill list information to the electronic bill management system 1400. Processing 38020 and restriction information 36030 are recorded and configured. The restriction information 36030 has the same function and role as the eleventh embodiment. Other DB arrangements and connection modes are the same as those in the first embodiment shown in FIG. The display of the electronic bill list is assumed to be realized by the processing flow performed by the electronic bill list display processing 38010 and the electronic bill list information transmission processing 38020. In addition, the display of the electronic bill list is performed at any time when it is necessary to display the electronic bill list in all operations such as withdrawal and transfer in the participant system 1100, discount and backup line setting in the financial institution 1500. To do. In the example of FIG. 30, an example in which a list of electronic bills is displayed in the participant system (assignee 2) 1100 will be described. Thereafter, in this processing flow, the operation of the participant system (assignee 2) 1100 is performed according to the procedure shown in the electronic bill list display processing 38010, and the operation of the electronic bill management system 1400 is the electronic bill list information transmission processing. It shall operate according to the procedure shown in 38020.

  Participant system (drawer) 1100 receives input of participant ID 3010 and participant password 3020 from input device 2102. Next, the participant system (drawer) 1100 transmits the received participant ID 3010 and participant password 3020 to the electronic bill management system 1400 as a list information transmission request 38110.

  When electronic bill management system 1400 receives list information transmission request 38110, electronic bill management system 1400 searches for participant information 3000 having participant ID 3010 and participant password 3020 that match the received participant ID 3010 and participant password 3020. If the matching participant information 3000 cannot be searched, the process is stopped. When the participant information 3000 is found, all electronic bill information 4000 having the same value as the received participant ID 3010 in any of the maker ID 4020, the assignee ID 4030, and the endorser ID 4040 is searched from the bill DB 1402. . If the electronic bill information 4000 cannot be retrieved, the processing is stopped. Next, the electronic bill management system 1400 obtains all the participant information 3000 having the same participant ID 3010 as the assigner ID 4020, the assignee ID 4030, and the endorser ID 4040 from the participant DB 1401 for each of the searched electronic bill information 4000. Search for. Next, only the items included in the restriction information 36030 are extracted from the items included in each searched participant information 3000 and set as the participant restriction information 35100. Summarizing the extraction processing here, it is assumed that the participant specified by the received participant ID 3010 is the participant (A), and the electronic bill (a) (drawing) is obtained as electronic bill information 4000 regarding the participant (A) from the bill DB 1402. Person: Participant (A), Endorser: Participant (B), Assignee: Participant C) and Electronic Bill (I) (Drawer: Participant (D), Assignee: Participant (A)) Is searched. In this case, participant restriction information 35100 of participants (A), (B), (C), and (D) is created. Next, the electronic bill management system 1400 transmits all the searched electronic bill information 4000 and all the created participant restriction information 35100 as list information 38120 to the participant system (assignee 2) 1100.

  Upon receiving the list information 38120, the participant system (assignee 2) 1100 displays the received list information 38120 as a list screen 39000 shown in FIG. List screen 39000 is a list in which individual electronic bill display 39500 for displaying information for each received electronic bill information 4000 is displayed by the number of received electronic bill information 4000. The individual electronic bill display 39500 includes, as display items, a payment amount 4060, a redemption date 4080, a transferor information column 39010, an endorser information column 39020, an assignee information column 39030, and a maximum credit rating 39040. Here, when the number of endorsers 4040 of the electronic bill information 4000 is increased, the endorser information column 39020 is increased accordingly. Further, when the endorser information column 39020 is increased, the endorser information column (N) 39020 is described to identify each. The payment amount 4060 and redemption date 4080 of the individual electronic bill display 39500 are the same items of the electronic bill information 4000 (hereinafter, simply referred to as electronic bill information 4000 in the description of this display screen) to be displayed by the individual electronic bill display 39500. Is displayed. The maker information column 39010 is information of the participant specified by the maker ID 4020 of the electronic bill information 4000, and is composed of three pieces of information such as the maker name 34120, the creditworthiness 3100, and the creditworthiness change information 39210. The maker name 34120 of the maker information column 39010 is the participant name 3030 of the participant restriction information 35100 (referred to as maker restriction information) having the participant ID 3010 having the same value as the maker ID 4020 of the electronic bill information 4000. The creditworthiness 3100 of the maker information column 39010 is the creditworthiness 3100 of the maker restriction information. The credit change information 39210 is data representing how the creditor's credit has changed most recently, and has been “increased”, “declined”, “issued non-transmission”, “no change” (no change) Display). In FIG. 31, “rised” is represented by an upward arrow in the circle, “declined” is represented by a downward arrow in the circle, and “unpaid” is represented by the letters “non-delivered” in the circle. ing. As the display method of the credit change information 39210, when the non-delivery occurrence date 3090 of the maker restriction information falls within a range (for example, one month) that goes back a certain period from the present time, “non-delivery has been issued”. Further, when the above condition is not satisfied and the creditor modification date 3120 of the maker restriction information falls within a range that goes back a certain period from the present, the value of the old credibility 3110 of the maker restriction information is When the credit rating is higher than 3100, it is “declined”, and when it is low, it is “increased”. In the cases other than the above-mentioned “not passing”, “raised”, and “falled”, “no change” is displayed and nothing is displayed. The display method of the endorser information column 39020 of the individual electronic bill display 39500 is the same as the display method of the originator information column 39010 and the participant restriction having the participant ID 3010 having the same value as the endorser ID 4040 of the electronic bill information 4000. This is the same except that it is performed on information 35100 (referred to as endorser restriction information). In addition, the display method of the assignee information column 39030 of the individual electronic bill display 39500 is the same as the display method of the assignor information column 39010 and the participant ID 3010 having the same value as the assignee ID 4030 of the electronic bill information 4000. This is the same except that it is performed on restriction information 35100 (referred to as endorsement restriction information). The maximum creditworthiness 39040 of the individual electronic bill display 39500 is the highest creditworthiness value among the creditor limit information and the creditor limit information 3100 of the electronic bill information 4000. This is because, in this specification, the assignee assumes that the creditor can request payment from the endorsement if the originator cannot redeem the electronic bill. This is because it matches the creditworthiness of the person with the highest creditworthiness. Further, the individual electronic bill display 39500 is displayed by rearranging the highest credit rating 39040 in descending order or in ascending order. The maker information column 39010 may include other items including electronic bill information 4000, writer restriction information, endorser restriction information, and assignee restriction information.

  In addition, when the participant system (assignee 2) 1100 receives a request to change the display format from the input system 2102, the participant system (assignee 2) 1100 displays the received list information 38120 as a list screen (2) 40000 shown in FIG. The list screen (2) 40000 is a list in which individual electronic bill display (2) 40500 for displaying information for each received electronic bill information 4000 is displayed by the number of electronic bill information 4000 received. The individual electronic bill display (2) 40500 has, as display items, a classification 40010, a payment amount 4060, a redemption date 4080, a maker information column 39010, a location 3070, and an industry code 3060. Individual electronic bill display (2) The payment amount 4060, redemption date 4080, and originator information column 39010 of 40500 are displayed in the same manner as the same item of the individual electronic bill display 39500. The location 3070 and the industry type code 3060 of the individual electronic bill display (2) 40500 are the same items of the maker limited information of the electronic bill information 4000 to be displayed by the individual electronic bill display (2) 40500. In the classification 40010, the same value is assigned to the individual electronic bill display (2) 40500 having the same value at the location 3070 of the individual electronic bill display (2) 40500. Here, in the classification 40010, the same value may be assigned to the individual electronic bill display (2) 40500 having the same value in the industry code 3060 of the individual electronic bill display (2) 40500. The display order of the individual electronic bill display (2) 40500 is rearranged according to the classification 40010.

  The twelfth embodiment has been described above. In the twelfth embodiment, when displaying the electronic bill information, a mechanism for displaying the creditor's, endorser's, assignee's creditworthiness and the change in the creditworthiness is realized. In addition, the credit degree of the electronic bill was calculated from the creditworthiness of the writer and endorser, and a mechanism for displaying the credit degree of the electronic bill itself was realized. In addition, a system has been realized that sorts and displays electronic bills according to the type and location of the electronic bill drawer.

It is the figure which showed the whole figure of invention. It is the figure which showed the structure of the participant system (drawer). It is the figure which showed the structure of participant information. It is the figure which showed the structure of the electronic bill information. It is the figure which showed the structure of the fund account information. It is the figure which showed the structure of log | history information. It is the figure (the 1) which showed the processing flow of drawing. It is the figure (the 1) which showed the processing flow of transfer. It is the figure which showed the candidate group selection screen. It is the figure which showed the candidate group determination screen. It is the figure (the 2) which showed the processing flow of transfer. It is the figure which showed the candidate selection screen. It is the figure which showed the candidate determination screen. FIG. 10 is a diagram (part 3) illustrating a transfer process flow; It is the figure which showed coefficient information according to credit. FIG. 10 is a diagram (part 4) illustrating a transfer process flow; It is the figure which showed the amount determination screen. It is the figure (the 1) which showed the processing flow of discount. It is the figure (the 2) which showed the processing flow of discount. It is the figure which showed the discount bill determination screen. FIG. 6 is a diagram (part 3) illustrating a discount processing flow; FIG. 10 is a diagram (No. 1) illustrating a processing flow for requesting a redemption delay; FIG. 10 is a diagram (part 2) illustrating a processing flow for requesting a redemption delay; It is the figure which showed the processing flow of the limit amount of a backup line. It is the figure which showed the processing flow of the borrowing based on a backup line. It is the figure which showed the display screen of the electronic bill. It is the figure which showed the structure of participant restriction information. It is the figure which showed the processing flow for displaying an electronic bill. It is the figure which showed the structure of restriction | limiting information. It is the figure which showed the processing flow for displaying the list of electronic bills. It is the figure which showed the list screen. It is the figure which showed the list screen (2). It is the figure which showed the system configuration | structure for implement | achieving redemption of an electronic bill in 10th Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1100 ... Participant system, 1400 ... Electronic bill management system, 1500 ... Financial institution system, 1600 ... Network, 3000 ... Participant information, 3030 ... Participant name, 3050 ... Financial institution account, 3100 ... Credit rating, 4000 ... Electronic bill information , 4010 ... bill ID, 4060 ... payment amount, 4080 ... redemption date, 5000 ... fund account information, 6100 ... history information, 7001 ... bill withdrawal notification, 7002 ... bill withdrawal confirmation, 7003 ... bill withdrawal approval, 8001 ... list of owned bills Request, 8002 ... List of owned bills, 8003 ... Candidate bill group candidate, 8005 ... Assigned bill group, 8006 ... Notification of transfer result, 9000 ... Candidate group selection screen, 9006 ... Candidate group selection screen, 10000 ... Candidate group decision screen, 10007 ... Selection Check box, 10008 ... OK button, 11001 ... Own Form list request, 11002 ... Owned bill list, 11003 ... Assignment bill candidate, 11004 ... Assignment bill candidate, 11005 ... Assignment bill selection result, 11006 ... Assignment bill selection result, 11007 ... Approved bill selection result, 11008 ... Assignment result notification, 12000 ... Candidate selection screen, 12006 ... Candidate selection screen, 12008 ... Transfer destination selection box, 13000 ... Candidate decision screen, 13006 ... Selection check box, 14001 ... Transfer amount, 14002 ... Candidate for transfer bill, 14003 ... Approved bill of transfer, 14005 ... Approved bill of transfer, 14006 ... Notification of transfer result, 15000 ... Coefficient information by credit, 15100 ... Coefficient by credit, 16001 ... Request for possessed bill list, 16002 ... List of owned bill, 16003 ... Candidate of assigned bill, 16004 ... Candidate of assigned bill, 16005 ... Estimated amount, 1 006 ... Estimated amount, 16007 ... Transfer approval, 16010 ... Difference settlement request, 16011 ... Transfer result notification, 17000 ... Amount decision screen, 17004 ... Amount, 17005 ... Transfer destination, 18001 ... Owned bill list request, 18002 ... Owned bill list, 18003 ... Discount bill candidate, 18004 ... Discount bill candidate, 18005 ... Total payment amount, 18006 ... Total payment amount, 18007 ... Payment amount approval, 18008 ... Payment amount approval, 19001 ... Owned bill list request, 19002 ... Owned bill list, 19003 ... Discount bill candidate, 19004 ... Discount bill candidate, 19005 ... Payment amount list, 19006 ... Payment amount list, 19007 ... Discount bill selection, 19008 ... Discount bill selection, 20000 ... Discount bill decision screen, 20007 ... Selection box, 21001 ... Amount Notification, 2100 2 ... Bill / Amount Notification, 21003 ... Discount Candidate Bill List, 21004 ... Discount Candidate Bill List, 21005 ... Discount Approval, 21006 ... Discount Approval, 30010 ... Bill Bill Send Request, 30020 ... Electronic Bill List, 30030 ... Redemption Delay Request, 30040 ... Redemption delay approval request, 30050 ... Redemption delay approval result registration, 30060 ... Redemption delay approval result notification, 31010 ... Delay schedule change approval request, 31020 ... Redemption delay schedule change approval registration, 31030 ... Redemption delay schedule change approval result notification, 32010 ... Backup line limit amount setting request, 32020 ... Backup line limit amount approval request, 32030 ... Backup line limit amount approval result, 32040 ... Backup line limit amount setting result notification, 33005 ... Predicted balance transmission request, 33010 ... Balance transmission request, 33 20 ... Balance notification, 33030 ... Predicted balance notification, 33040 ... Bill transfer request, 33050 ... Fund transfer request, 33060 ... Bill transfer result, 33070 ... Fund transfer completion notification, 34100 ... Book information, 34120 ... Transferee name, 34130 ... Endorsement Person name, 34200 ... endorsement information, 35100 ... participant restriction information, 36110 ... display information transmission request, 36120 ... display information, 36030 ... restriction information, 38110 ... list information transmission request, 38120 ... list information, 39000 ... list screen, 39210 ... Credit change information, 39500 ... Individual electronic bill display, 40000 ... List screen (2), 40500 ... Individual electronic bill display (2)

Claims (6)

An electronic bill management system for managing an electronic bill, which is electronic data indicating that a debtor who is a debtor has promised to pay a price or goods to an assignee who is a creditor, the electronic bill In an electronic bill management system connected to a drawer system and a financial institution system which is a system used by a financial institution
A storage device that stores a plurality of electronic bill information including a creditor ID for identifying the creditor of the electronic bill, redemption date, and amount;
A communication device connected to the drawer system and the financial institution system via a network;
According to the borrowing acceptance processing program stored in the storage device,
A financial institution that provides a backup line with the redemption date of the electronic bill information for which the predicted balance is negative as the date of payment, the predicted balance as negative as the payment amount, and the participant ID corresponding to the issuer system as the drawer ID Generate electronic bill information waiting for redemption with ID as the assignee ID, and send the generated electronic bill information waiting for redemption to redeem to the originator system via the communication device,
The electronic bill information waiting for redemption sent from the maker system to the maker system via the communication device is applied to all or a part of the funds necessary for the redeemer to redeem the electronic bill. received as the electronic bill drawer request by the backup line is a request to draw on the redemption during drawer wait electronic bill based on the backup line in consideration for borrowing funds,
The electronic bill information stored in the storage device is the electronic bill information waiting for redemption, which is the electronic bill information of the electronic bill of payment waiting for redemption received with respect to the maker ID and redemption date of the electronic bill information. A bill ID for identifying the electronic bill of exchange waiting for redemption is registered in the bill of exchange waiting for redemption of the retrieved electronic bill information.
Via the communication device, send a fund transfer request by the backup line, which is a fund transfer request by the backup line, to the financial institution system,
When the transfer of funds by the backup line, which is a notification indicating that the transfer of funds by the backup line has been completed, is received from the financial institution system via the communication device, the electronic bill information waiting for withdrawal at the time of redemption Register to the storage device,
According to the redemption extraction processing program stored in the storage device,
Before requesting payment to the financial institution system for the electronic bill information to be redeemed, determine whether a value is registered in the draft bill ID upon redemption of the electronic bill information to be redeemed,
If the value is not registered , make a payment request for the electronic bill information to be redeemed as it is,
When the value is registered, it is determined whether or not electronic billing information waiting for redemption having the same bill ID as the registered billing redemption note ID is registered in the storage device. In this case, the electronic bill management system comprises: a processing device that makes a settlement request for electronic bill information to be redeemed as it is, and does not make a settlement request if it is not registered. The electronic bill management system according to claim 1,
According to the backup line limit setting acceptance processing program stored in the storage device,
Via the communication device, receiving a loan limit for the drawer from the financial institution system;
According to the backup line borrowing acceptance processing program stored in the storage device,
The backup line usage amount , which is described in the participant information of the participant DB stored in the storage device, is the amount the borrower has already borrowed based on the backup line, and the received from the drawer system It is determined whether the total amount of payment of electronic bill information waiting for redemption is within the above loan limit, and if it is determined that it is within the range, the electronic bill waiting for redemption shall be effective. An electronic bill management system comprising a processing device for performing registration. The electronic bill management system according to claim 1,
According to the backup line borrowing acceptance processing program stored in the storage device,
An electronic bill management system comprising: a processing device for notifying the maker system via the communication device whether or not the drawing of the electronic bill waiting for redemption is permitted. The electronic bill management system according to claim 1,
According to the backup line borrowing acceptance processing program stored in the storage device,
The payment amount of the redemption during the drawer waiting for e-bills to be a consideration of the funds of borrowing the predicted balance of the issuer,
Electronic bill management system characterized by having a processing device through the communication device transmits, to the issuer system, a pre Ki支 installment amount. The electronic bill management system according to claim 1,
According to the backup line borrowing acceptance processing program stored in the storage device,
When the electronic bills waiting for redemption are issued as consideration for the borrowing of funds to be applied to all or part of the funds necessary for redemption of the electronic bills to be redeemed,
An electronic bill management system comprising: a processing device that controls so that the electronic bills waiting for redemption are issued before redemption of the electronic bill to be redeemed. An electronic bill management system according to claim 5 ,
According to the backup line borrowing acceptance processing program stored in the storage device,
If the borrowing due to the withdrawal of the electronic bill awaiting redemption and the redemption of the electronic bill to be redeemed occur on the same day, the withdrawal of the electronic bill awaiting redemption is performed before the redemption of the electronic bill to be redeemed. An electronic bill management system comprising a processing device for controlling the electronic bill.

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