JP5263949B2 - Electronic Record Claim Registration Device and Electronic Record Claim Registration Method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronically recorded credit obligation registration device for registering an electronically recorded credit obligation, in a recording ledger of an electronically recorded credit obligation recording institution which is superior in convenience, when purchasing a credit obligation. <P>SOLUTION: Upon the receipt of a request for registering an electronically recorded credit obligation from a debtor, a credit obligation registration system 10 determines whether the credit obligation can be purchased; and stores the contents of the received electronically recorded credit obligation in a credit obligation information DB 20, with a flag indicating whether the purchase is possible. The electronically recorded credit obligation is stored in a recording ledger of an electronically recorded credit obligation DB 50 by a recording institution system 40. When a request for purchasing an electronically recorded credit obligation is received from a creditor, a credit obligation purchase system 30 determines whether the purchase is possible, by referring to the flag in the credit obligation information DB 20, and requests a transfer record to the recording institution system 40, when the purchase is implemented. Accordingly, quick purchase of credit obligations can be implemented. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to an electronic record receivable registration apparatus and an electronic record receivable registration method for registering an electronic record receivable in a record ledger of an electronic record receivable recording organization.

  Even when sales are recorded as consideration for the provision of goods and services by companies, there is often a certain time difference between the bills and accounts receivable site and the settlement of funds. When funding demand occurs during this period, it is common to raise funds by discounting bills receivable or factoring to purchase accounts receivable.

  However, for bills receivable, there are risks and costs associated with the use of paper media, and for receivables, there are issues such as the risk of double transfer and the cost of confirming the existence of receivables. Yes. In response to such a problem, the Electronically Recorded Claims Law was enacted in June 2007 to give a prescribed legal effect to electronically recorded claims (see Non-Patent Document 1).

  When you register an electronic record receivable with a recording institution based on the Electronic Receivables Record Act, a third party who confirms the information and purchases the electronic record receivable is given protection, so the electronic record can be recorded from the bill. The shift to receivables is expected to promote paperless bill receivables and liquidation of trade receivables. Factors that discount bills receivable and purchase receivables are expected to shift to electronic record receivables in the future.

  If you want to liquidate electronically recorded receivables and purchase funds, purchasers who purchase receivables check the electronically recorded receivables recorded in the recording organization, and after purchasing the receivables, transfer records to electronically recorded receivables. Will do. Therefore, the trade receivable purchaser inquires of the record receivable for the electronic record receivable instead of the conventional work of confirming the receivable receivable and registering it in the database or the like (for example, Patent Document 1). (Refer to claim 10 etc.)

JP 2007-172141 A Financial Services Agency, “Access FSA (Monthly Financial Services Public Relations Magazine) No. 56”, August 1, 2007 [Search September 10, 2007], Internet <URL: http://www.fsa.go.jp /access/19/200707.pdf>

  The use of electronically recorded receivables enables financial institutions to replace bills and receivables confirmation work that is currently done individually when discounting bills or purchasing receivables, by inquiring to the registrar. Become. However, since financial institutions that purchase receivables do not have information on receivables in advance, after receiving an application for purchase from a creditor, they make inquiries about the subject receivables to an electronic record receivable recording institution. The obligor's ability to pay the receivables to be purchased must be confirmed, and there is a possibility that the receivables cannot be purchased promptly.

  In addition, from the creditor and debtor side who uses electronically recorded receivables, necessary procedures are required for the registration of receivables and for the purchase of financial receivables. There is also a possibility that the property is impaired.

  The present invention has been made in order to cope with such a problem, and is an electronic record for registering an electronic record receivable in a record ledger of an electronic record receivable recording institution which is excellent in convenience when purchasing a receivable. It is an object of the present invention to provide a bond registration device and a method for registering an electronically recorded bond.

  The present invention for solving such a problem is that an electronic record receivable subject to purchase of a receivable is stored in an electronic record receivable database that stores a record ledger of the electronic record receivable managed by the recording institution in a computer of the electronic record receivable recording authority. An electronic record receivable registration device that accepts a purchase request for the electronic record receivable from a debtor terminal operated by a debtor of the electronic record receivable, A claim data receiving means for accepting a claim data for which at least a scheduled payment date of the amount is designated; an extreme amount storage means for storing an extreme amount for purchasing an electronic record claim set by a purchaser of an electronic record claim for each debtor; and The purchase in which the amount of receivable specified in the receivable data received by the receivable data receiving means is specified from the extreme amount stored in the extreme amount storage means The purchase determination means for determining whether or not the electronically recorded receivables related to the claim data can be purchased, and the claims determined to be available for purchase when the purchase determination means determines that the purchase is possible. A purchase information storage means for storing data relating to a claim code for identifying an electronically recorded claim relating to the claim data and a buyable flag indicating that the electronically recorded claim can be purchased; and received by the claim data receiving means In order to store the received bond data in the bond data storage means for storing the bond data, and to register the occurrence record of the newly generated electronic record bond in the record base of the electronic record bond database, From the credit data delivery means to be delivered to the computer and the creditor terminal operated by the creditor of the electronic record credit, A purchase request accepting unit that accepts a purchase request for an electronically recorded receivable specified by the purchaser, and an electronically recorded receivable that the purchase request accepting unit accepts a purchase request can be purchased in the receivable code of the electronically recorded receivable in the purchase information storage unit If the flag is stored in association with each other, a transfer record request for changing the creditor to the purchaser in the record base of the electronic record claim stored in the electronic record claim database is sent to the computer of the recording organization. Transfer record request sending means, wherein the claim data delivery means delivers the claim data including the claim data determined to be unpurchasable by the purchase judgment means to the computer of the recording organization It is a record bond registration device.

  In the present invention, when registering an electronic record receivable in the record ledger of the recording authority of the electronic record receivable, it is determined whether or not the electronic record receivable can be purchased from the credit line for the debtor of the electronic record receivable, and the electronic record receivable that can be purchased is stored in advance. Thus, when accepting a purchase request from a creditor, it is possible to promptly determine whether the receivable can be purchased, and to prompt the recording organization to transfer records accompanying the purchase.

  Further, in the present invention, the claim data indicating the handling type of any one of the collective trust, collective factoring, general transfer, and purchaseable electronic record receivable is specified in the receivable data received by the receivable data receiving means, The purchase determination means determines whether or not to purchase an electronically recorded receivable related to receivable data which is an electronically recorded receivable whose receivable type code is receivable among the receivable data received by the receivable data receiving means. You can also.

  According to this configuration, the debtor who is a customer can request processing together with debts other than those registered as electronic record claims, which contributes to improvement of customer convenience.

  Further, the present invention is a creditor information storage means for storing a notification address for each creditor of the electronically recorded claim, wherein the creditor of the electronically recorded claim is specified in the claim data, and a computer of the recording organization, A registration notification receiving means for receiving a registration notification for notifying that an occurrence record of a newly generated electronic record loan has been registered in the record ledger of the electronic record loan database; and when receiving the registration notification, The address of the contact corresponding to the creditor of the electronic record receivable is read from the creditor information storage means, and a registration completion notice for notifying that the registration of the electronic record receivable is completed is transmitted to the creditor of the electronic record receivable And a registration completion notification transmission unit.

  With this configuration, the creditor who is the customer can quickly know that the electronically recorded receivable that can be purchased is registered, which contributes to improving the convenience of the customer.

  Further, the present invention comprises a claim data storage means for storing claim data delivered by the claim data delivery means to a computer of a recording institution, and the payment date of the claim amount is designated in the claim data, The purchase determination means reads the claim data for which the scheduled payment date has not arrived from the claim data storage means, and the amount obtained by subtracting the total amount of claims specified in the claim data from the extreme amount is the claim data When the amount of receivable specified in the receivable data received by the accepting means is exceeded, it is possible to determine that purchase of the electronically recorded receivable related to the receivable data is permitted.

  With this configuration, when it is determined whether the newly registered electronic record receivable is within the range of the purchaseable amount specified from the extreme amount set for the electronic record receivable, This makes it possible to make a determination without making an inquiry to the recording institution, and the processing for registering the electronic record receivable can be made more efficient.

  The present invention can also be specified as a method for registering an electronic record bond executed by the electronic record bond registration apparatus according to the present invention.

  According to the present invention, there is provided a method for registering an electronic record receivable, wherein the electronic record receivable database stores an electronic record receivable database stored in the electronic record receivable database managed by the record institution. A method of registering an electronic record receivable executed by a computer for registering a record of occurrence of a receivable and receiving a purchase request for the electronic record receivable, wherein the computer is operated by a debtor of the electronic record receivable From the claim data accepting step for accepting the claim data of the electronically recorded claim and the claim data for which at least the scheduled payment date of the claim amount is designated, and the computer is designated as the claim data accepted by the claim data accepting step The amount of receivable is the extreme to purchase electronic record receivables set by each purchaser of electronic record receivables Purchase determination step for determining whether or not the electronic record receivable related to the receivable data can be purchased from within the range of the repurchasable amount specified by the purchaser specified from the extreme amount stored in the extreme amount storage unit When the computer determines that purchase is possible in the purchase determination step, the claim code for identifying the electronic record claim relating to the claim data and the electronic record claim can be purchased for the claim data determined to be available for purchase. A purchase information storage step for associating with a purchase possibility flag indicating that the purchase information storage unit is stored in the purchase information storage unit, and the computer stores the bond data received in the bond data reception step in the bond data storage unit for storing the bond data At the same time, record the occurrence of newly generated electronic record receivables in the record base of the electronic record receivable database. In order to record, a claim data delivery step to deliver to a computer of the recording organization, and a request for purchase of the electronic record claim specified by the claim code from the creditor terminal operated by the creditor of the electronic record claim A purchase request acceptance step for accepting, and an electronic record receivable for which the computer accepted a purchase request in the purchase request accepting step is stored in the purchase information storage unit in association with a receivable code of the electronic record receivable A transfer record requesting step for sending a request for transfer record to change the creditor to the purchaser in the record base of the electronic record claim stored in the electronic record claim database; In the bond data delivery step, the purchase determination step determines that the purchase is not possible. A method for registering an electronically recorded claim, wherein the claim data including the specified claim data is delivered to a computer of the recording organization.

  Further, in the method for registering an electronically recorded claim according to the present invention, the claim data that is received in the claim data receiving step includes a claim that indicates a handling type of collective trust, collective factoring, general transfer, and electronic recordable claims that can be purchased. In the purchase determination step, whether or not to purchase electronic record receivables related to receivable data whose receivable type code is electronic record receivable among receivable data received in receivable data receiving step is specified in the purchase determination step. It can also be characterized by determining.

  Furthermore, in the method for registering an electronically recorded claim according to the present invention, the claimant of the electronically recorded claim is specified in the claim data, and the computer stores a notification address for each creditor of the electronically recorded claim. A registration notice that includes a person information storage unit and that notifies that the newly generated record of the electronic record receivable has been registered in the record ledger of the electronic record receivable database from the computer of the recording institution When receiving the registration notification, the computer reads the address of the contact corresponding to the creditor of the electronic record receivable subject to the registration notification from the creditor information storage unit. A registration completion notification sending step for sending a registration completion notice for notifying that the registration of the recorded claim is completed to the creditor of the electronic record claim. And flop, can also be characterized by having a.

  Furthermore, in the method of registering an electronically recorded claim according to the present invention, the computer is provided with a claim data storage unit for storing the claim data delivered to the computer of the recording institution in the claim data delivery step, and the claim data In the purchase determination step, the claim data for which the scheduled payment date has not yet arrived is read from the claim data storage unit, and the amount of the claim amount specified in the claim data is determined. When the amount obtained by subtracting the total amount from the extreme amount exceeds the amount of receivable specified in the receivable data received in the receivable data receiving step, it is determined that the electronically recorded receivable related to the receivable data can be purchased. You can also

  According to the present invention, a debtor who pays with an electronically recorded receivable or a creditor who requests the purchase of an electronically recorded receivable for the purpose of raising funds is a one-stop service from the registration of the electronically recorded receivable to the recording institution to the purchase of the financial institution. It is possible to use it smoothly, and it can be expected to promote the use of electronic record receivables by improving user convenience.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In addition, the following description illustrates embodiment of this invention, Comprising: This invention is not limited to this embodiment.

  FIGS. 1 and 2 are first and second diagrams, respectively, showing schemes for purchasing bonds using electronically recorded bonds. FIG. 3 and FIG. 4 are block diagrams showing configurations of the electronic record bond registration device according to the present invention in the first and second embodiments, respectively. FIG. 5 is a first diagram (before the extreme amount confirmation) showing an example of a bond information storage unit of the electronically recorded bond registration apparatus according to the present invention. FIG. 6 is a diagram showing an example of the extreme amount storage unit of the electronic record bond registration device according to the present invention. FIG. 7 is a diagram showing an example of calculation of the receivable purchase amount by the electronic record receivable registration apparatus according to the present invention. FIG. 8 is a second diagram (after the extreme amount confirmation) showing an example of a bond information storage unit of the electronically recorded bond registration apparatus according to the present invention. FIG. 9 is a third diagram (after registration in the record book) showing an example of the claim information storage unit of the electronic record claim registration apparatus according to the present invention. FIGS. 10 and 11 are first and second diagrams respectively showing an example of a record original book stored in the electronic record bond database. FIG. 12 is a flowchart showing a flow at the time of electronic record bond registration by the electronic record bond registration apparatus according to the present invention. FIG. 13 is a flowchart showing a flow at the time of a purchase request for an electronic record bond registered by the electronic record bond registration apparatus according to the present invention.

  FIG. 1 shows a normal scheme for purchasing receivables using electronically recorded receivables, whereas FIG. 2 shows a scheme for purchasing receivables using the electronically recorded receivable registration device according to the present invention. It is a thing.

  In the normal scheme of FIG. 1, a debtor who makes a payment to a creditor requests a record agency to record the occurrence of an electronic record receivable (registration with a record agency may be mediated by a representative of the record agency) ). The recording institution is a stock company designated by the competent minister, and the electronic record receivables registered in the recording record book of the recording institution are given certain effects such as third-party protection. Electronically recorded receivables are recorded electronically in the record ledgers of the recording agency.

  When a creditor of an electronically recorded claim wants to raise funds by liquidating the claim, the creditor purchaser (financial institution) requests the purchase of the electronically recorded claim. Upon receipt of the request, the receivable purchaser can contact the recording organization to confirm the existence and content of the electronically recorded receivables, determine whether the subject receivables meet certain conditions such as credit lines, etc. If it is determined, the purchase of the claim is executed and the transfer record of the electronic record claim is requested from the recording organization. The record book of the recording organization records that the subject electronic record receivable has been transferred to the receivable purchaser.

  As described above, according to the normal scheme, when a creditor requests the purchase of electronically recorded receivables, he / she makes an inquiry to the recording organization to confirm the existence and contents of the electronically recorded receivables and make a credit decision. Since it is necessary to do so, it takes time to determine whether or not to purchase, and there is a risk of hindering prompt fund procurement.

  On the other hand, in the scheme of FIG. 2 using the electronic record receivable registration apparatus according to the present invention, the “customer's agent” takes charge of the request for the record of occurrence of the electronic record receivable to the debtor's recording organization. The customer's agent makes a credit judgment as to whether each claim can be purchased when registering the electronic record receivable, stores the possibility of purchase as receivable information, and generates the electronic record receivable in the recording organization. Request a record (registration with a recording authority may be mediated by a representative of the recording authority).

  When a receivable purchaser (financial institution) accepts a purchase request from a creditor, it is possible to quickly determine whether or not each receivable can be purchased by referring to this receivable information. Will only have to request a transfer record for the electronically recorded claims that have been purchased. This makes it possible to provide funds to creditors as quickly as possible. However, if the customer purchaser (financial institution) assumes the role of “customer's agent”, the process from registration to purchase of electronically recorded receivables It can be provided as a one-stop service with a single operator as the window.

  In addition, if the customer's agent notifies the creditor about the electronic record receivable that has been registered, the creditor may immediately know that the electronic record receivable that can be purchased is registered. It becomes possible.

  A first embodiment of the electronic record bond registration device according to the present invention will be described with reference to FIG. The electronic record receivable registration apparatus according to the present invention includes a receivable registration system 10, a receivable information database 20, and a receivable purchase system 30. The receivable registration system 10 and the receivable information database 20 are operated by the “customer agent”, and the receivable purchase system 30 is operated by the receivable purchaser. It will be operated by the same operator. The recording institution system 40 and the electronic record receivable database 50 are installed in an electronic record receivable recording institution. The customer terminal 60 is a computer terminal operated by an electronically recorded creditor debtor, and the customer terminal 70 is an electronically recorded creditor creditor.

  The bond registration system 10 is a computer provided with at least a CPU, a main memory, and an HDD for accepting a request from the customer terminal 60 and performing registration of an electronic record bond to a recording organization. Operations such as data exchange with the bond information database 20 and delivery of bond data to the recording institution system 20 are performed by the CPU while reading the application program stored in the HDD and making the main memory function as a working area. It is executed by performing arithmetic processing.

  The bond information database 20 includes a bond information storage unit 21 and an extreme amount storage unit 22. 5, 8, and 9 are examples of the bond information storage unit 21 in which at least a part of bond data received from the customer terminal 60 is stored. FIG. 6 shows an example of the extreme amount storage unit 22 in which the extreme amount on credit set for purchase of the electronic record receivable is stored for each debtor of the electronic record receivable.

  The bond purchase system 30 is a computer provided with at least a CPU, a main memory, and an HDD for receiving a request from the customer terminal 70 and executing processing for purchasing an electronically recorded bond. Both the extreme amount update unit 31 and the purchase processing unit 32 are functionally specified, and are related to the update of the extreme amount set for each obligor and the purchase processing of the electronic record receivable executed by each. The operation is executed by reading out an application program corresponding to each stored in the HDD and performing arithmetic processing by the CPU while the main memory or the like functions as a working area.

  In the case where the bond purchase system 30 is operated by the same operator as the bond registration system 10, these may be functionally separated on the same physical computer.

  The recording institution system 40 is a computer provided with at least a CPU, a main memory, and an HDD for executing processing for performing generation recording and transfer recording of electronic recording receivables in the record ledgers of the electronic record receivable database 50. The occurrence recording unit 41 and the transfer recording unit 42 are both functionally specified, and the operations related to the processing of the generation record of the electronic record receivable to the record original book and the transfer record of the electronic record receivable to the record original book are as follows: The application program corresponding to each stored in the HDD is read, and the CPU executes arithmetic processing while the main memory or the like functions as a working area.

  Registration of the electronically recorded bond by the electronically recorded bond registration apparatus according to the present invention is processed by the bond registration system 10 as shown in the flowchart of FIG. First, a debtor who makes a payment using an electronically recorded receivable enters the amount of receivable of the electronically recorded receivable, payment date, creditor data on the creditor, debtor, etc. into the customer terminal 60, and the entered claim data Is sent to the claim registration system 10 as a registration request for the occurrence record of the electronic record claim addressed to the agent. The debt data entered by the debtor here is not limited to data using electronically recorded claims, but may include data using other payment methods such as collective trust, collective factoring, and general transfer. In that case, the bond data to which the payment type code indicating the type of payment method is attached according to the designation of the debtor is transmitted to the bond registration system 10.

  In the claim registration system 10 that has received the input claim data registration request (S01), the claim data specifying the electronically recorded claim as the payment means is separated using the payment type code as a key (S02). Receivable data for which payment methods other than electronically recorded receivables are specified is delivered to a system for processing such as collective trust, collective factoring, and general transfer.

  The bond data in which the electronically recorded bond is designated is stored in the bond information storage unit 21 of the bond information database 20 as shown in the example of FIG. 5 (S03). In order to determine whether the receivable specified by these receivable data is within the credit limit of the obligor and can be purchased, it is stored in the extreme amount storage unit 22 of the receivable information database 20. The extreme amount set for the debtor is read (S04).

  As shown in the example of FIG. 6, the extreme amount storage unit 22 stores an extreme amount on credit set for purchase of a claim for each debtor of an electronically recorded claim. This extreme amount is calculated by subtracting the amount used for other means (finance, debt guarantee, etc.) from the extreme amount set by the receivable purchaser in consideration of the creditworthiness of the debtor. It is determined as an extreme amount for purchases, and increases or decreases depending on changes in the loan balance. Therefore, the latest extreme value is periodically updated by the extreme amount update unit 31 of the claim purchase system 30 operated by the claim purchaser while referring to the loan balance stored in the other system of the claim purchaser ( For example, once a day), and the extreme amount stored in the extreme amount storage unit 22 is updated.

  Subsequently, out of the claim data in which the debtor is designated as the debtor stored in the claim information storage unit 21 of the claim information database 20, the claim amount of the claim that has not been settled is read and stored in an extreme amount. The subtractable amount is calculated by subtracting from the extreme amount read from the unit 22 (S05).

  The calculation method of the purchaseable amount is not particularly limited, but can be performed as shown in FIG. For each scheduled payment date, the amount of receivables related to unsettled receivable data is added together, and is sequentially reduced from the extreme amount read from the extreme amount storage unit 22. The remaining amount obtained by subtracting all unsettled claims is calculated as the amount available for purchase. In the example shown in FIG. 7, the ultimate amount for person A is 5 billion yen, but the total amount to be declined is 4 billion yen. Is done.

  Here, one bond data segmented in S02 is selected (S06). Compared to the purchaseable amount calculated as described above (S07), if it is within the range of the purchaseable amount, it is determined that it is a purchaseable receivable, and the confirmation result of the extreme amount in the receivable data is OK. The indicated flag is recorded (S08).

  In addition, the next bond data is selected (S09), and the same determination is made. However, the amount that can be purchased as the standard in the next determination is expected to drop in the bond amount specified in the bond data that was previously determined to be extremely OK. It will be smaller than the previous purchaseable amount. As a result, there may be receivable data in which the check result of the extreme amount is NG, but the flag indicating the extreme OK is not recorded in the receivable data.

  In addition, the processing after the case where one bond data is not extremely OK is not particularly limited, but the other bond data may have a small amount of receivables and be within the purchaseable amount range. For this reason, it is preferable to make a determination on all the bond data segmented in S02. In addition, there is no particular limitation on the subsequent handling of bond data for which the flag indicating extreme OK was not recorded. For example, the change in the extreme amount is performed by comparing with the amount that can be purchased periodically. Alternatively, a flag indicating extreme OK may be recorded when it is determined that the purchase is possible due to a decrease in the expected drop amount.

  FIG. 8 shows the bond information storage unit 21 of the bond information database 20 after the determination as to whether or not the purchase is possible and the flag of extremely OK is set. In this example, the specification No. (Identification number of bond data numbered by bond registration system 10) 01234-004 is not recorded as extremely OK because it is not within the range of purchaseable amount.

  When it is determined whether or not all the bond data can be purchased, the bond data is delivered to the recording institution system 40 (S10). In the recording institution system 40, the occurrence recording unit 41 is activated, and a new electronic record receivable occurrence record is registered in the record base book of the electronic record receivable database 50.

  FIG. 10 shows an example of the record book stored in the electronic record receivable database 50. The electronic record receivable in which the occurrence record is registered has a receivable No. as the identification number of the electronic record receivable. Are numbered by the recording institution system 40. When registration of the occurrence record is completed, the receivable No. A registration completion notice with “” is sent from the recording institution system 40 to the claim registration system 10, and the claim information storage unit 21 of the claim information database 20 stores the claim number in each claim data as shown in FIG. Are stored in association with each other.

  Further, the receiver information database 20 or the like stores the destination addresses of notifications such as e-mail addresses of the debtor and creditor, and when registration of the occurrence record is completed, the debtor and creditor stored in the claim data are stored. The corresponding transmission destination address is read, and the completion of registration of the occurrence record of the electronic record receivable is notified by e-mail or the like to the customer terminal 60 operated by the debtor and the customer terminal 70 operated by the creditor.

  Incidentally, the association between the data relating to each claim recorded in the record book of the electronic record claim database 50 and each claim data stored in the claim information storage unit 21 of the claim information database 20 is as shown in FIG. In addition to storing the identification number assigned by the recording institution system 40 in the claim information storage unit 21 of the claim information database 20, the identification number assigned by the claim registration system 10 (detail No.) is recorded in the electronic record claim database 50. It may be recorded as remarks in the original book, and is not particularly limited.

  The computers constituting the bond registration system 10 and the recording institution system 40 are usually different computers, and data transfer and notification between them are performed via a communication network such as a dedicated line. However, on the premise that the authority is controlled by the firewall, both may be configured by the same computer, and data transfer and notification between the two are performed by data processing in the computer.

  When the electronic record receivable is registered as described above, the purchase process of the electronic record receivable registered by the electronic record receivable registration apparatus according to the present invention is shown in FIG. As shown in the flowchart of FIG. 13, it is processed by the bond purchase system 30.

  First, a creditor who wants to raise funds by transferring an electronically recorded claim sends a purchase request specifying the electronically recorded claim that the claim purchaser wants to purchase to the claim purchase system 30 from the customer terminal 70. The method for selecting the electronically recorded receivable to be purchased by the creditor is not particularly limited. For example, the creditor accesses the receivable purchase system 30 from the customer terminal 70 and receives the receivable information storage unit of the receivable information database 20. Extracting an unsettled electronically recorded claim for the creditor from the claim data stored in the credit card 21 and displaying it on the customer terminal 70, and allowing the creditor to select an electronically recorded claim for purchase. do it.

  Here, if the receivable purchase system 30 is operated by the same customer's agent as the receivable registration system 10, the registration completion notification of the occurrence record of the electronically recorded receivable is received from the receivable registration system 10 operated by the customer's agent. The creditor who receives the request may make a purchase request to the agent of the same customer, so that one-stop service can be provided.

  In the receivable purchase system 30 that has received the purchase request for the electronically recorded receivable (S11), the receivable information storage unit 21 of the receivable information database 20 specifies receivable data corresponding to the electronically recorded receivable specified in the purchase request (S12). ). As shown in the example of FIG. 9, the credit data stored in the credit information storage unit 21 has a flag indicating extreme OK when the credit judgment using the maximum amount has been completed. By referring to this flag, it can be determined whether or not the electronically recorded bond can be purchased (S13).

  If the flag is extremely OK, it is determined that the electronically recorded receivable can be purchased, and the receivable purchase system 30 performs predetermined processing for receivable purchase (for example, receivable information storage in the receivable information database 20). Record to the department 21, renewal of the balance of receivable purchasers, transfer instructions for funding, etc.), and record the transfer record of the electronically recorded receivables to the record ledger in order to meet the requirements Is requested (S14). The electronically recorded receivable requesting the transfer record is, for example, a receivable No. stored in the receivable data illustrated in FIG. Can be specified by.

  In the recording institution system 40 that has received the request for the transfer record, the transfer recording unit 42 is activated, and the transfer record is performed in the record original book stored in the electronic record bond database 50. FIG. 11 shows an example of a record book in which transfer records are made. It is recorded that the electronic record receivable of 190731-001 has been transferred to a receivable purchaser (Bank X).

  On the other hand, when the flag of extremely OK is not set, since the selected electronic record receivable exceeds the credit line for the creditor and cannot be purchased, an error is displayed on the customer terminal 70, etc. Is performed (S15).

  A second embodiment of the electronic record bond registration device according to the present invention will be described with reference to FIG. In the second embodiment, the electronic record bond database 50 of the first embodiment (FIG. 3) is replaced by the electronic record bond storage unit 23 of the bond information database 20. That is, in the second embodiment, the bond data received by the bond registration system 10 described in the first embodiment and stored in the bond information database 20 is used as it is in the record base of the electronically recorded bond. This can be implemented when the recording institution handles only the electronically recorded receivables whose registration has been received from the business operator (customer agent) that operates the receivable registration system 10.

  Also in the second embodiment, the process for registering an electronically recorded bond and the process for executing the purchase of a registered electronically recorded bond are not different from those of the first embodiment. 20 is provided with a firewall, and the access authority from each of the bond registration system 10, the bond purchase system 30, and the recording institution system 40 is controlled.

  That is, the bond information storage unit 21 and the extreme amount storage unit 22 can be accessed from the bond registration system 10 and the bond purchase system 30, but cannot be accessed from the recording institution system 40. On the other hand, for the data constituting the record base of the electronic record receivable stored in the electronic record receivable storage unit 23, refer to the receivable data received from the receivable registration system 10 and the content of the receivable such as the amount of receivable. However, registration of occurrence records and transfer records can be performed only from the recording organization system 40.

  Further, in the second embodiment, it is not always necessary to store the full data of the bond data received from the customer terminal 60 in the bond information storage unit 21, and the specification No. For example, a flag indicating at least extreme OK may be stored in association with each other.

  Furthermore, in the second embodiment, on the assumption that the authority is controlled by a firewall, the bond registration system 10, the bond purchase system 30, and the recording institution system 40 are functionally separated in the physically same computer. It may be.

It is a 1st figure which shows the scheme of the bond purchase using an electronic record loan. It is a 2nd figure which shows the scheme of the bond purchase using an electronic record loan. It is a block diagram which shows the structure in 1st Embodiment of the electronic record bond registration apparatus concerning this invention. It is a block diagram which shows the structure in 2nd Embodiment of the electronic record bond registration apparatus concerning this invention. It is a 1st figure which shows an example of the credit information storage part of the electronic recording claim registration apparatus concerning this invention. It is a figure which shows an example of the extreme amount memory | storage part of the electronic record bond registration apparatus concerning this invention. It is a figure which shows the example of a calculation of the amount which can be purchased of the claim | credit by the electronic record claim registration apparatus concerning this invention. It is a 2nd figure which shows an example of the bond information storage part of the electronic record bond registration apparatus concerning this invention. It is a 3rd figure which shows an example of the bond information storage part of the electronic record bond registration apparatus concerning this invention. It is a 1st figure which shows an example of the record original book stored in the electronic record loan database. It is a 2nd figure which shows an example of the record original book stored in the electronic record loan database. It is a flowchart which shows the flow at the time of the electronic record claim registration by the electronic record claim registration apparatus concerning this invention. It is a flowchart which shows the flow at the time of the purchase request | requirement of the electronic record receivable registered with the electronic record receivable registration apparatus concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Claim registration system 20 Claim information database 21 Claim information storage part 22 Extreme amount storage part 23 Electronic record loan storage part 30 Claim purchase system 31 Extreme amount update part 32 Purchase processing part 40 Recording organization system 41 Occurrence recording part 42 Assignment recording part 50 Electronic record loan database 60 Customer terminal 70 Customer terminal

Claims (6)

The computer of the electronic record receivable recording institution records the occurrence record of the electronic record receivable subject to purchase of the receivable in the electronic record receivable database storing the record base of the electronic record receivable managed by the recording institution, and the electronic record An electronically recorded receivable registration device that accepts purchase requests for receivables,
A debt data receiving means for receiving, from a debtor terminal operated by a debtor of an electronically recorded claim, at least a claim data in which a claim amount of the electronic record claim and a payment date of the claim amount are designated;
An extreme amount storage means for storing an extreme amount by which a purchaser of an electronic record loan purchases an electronic record loan set for each debtor;
Since the amount of receivable specified in the receivable data received by the receivable data receiving means is within the range of the purchaseable amount by the purchaser specified from the extreme amount stored in the extreme amount storage means, the receivable Purchase determination means for determining whether or not electronic record receivables related to data can be purchased;
When the purchase determination means determines that purchase is possible, for the bond data determined to be purchaseable, a claim code that identifies an electronic record claim relating to the claim data, and a purchase enable flag indicating that the electronic record claim is available for purchase Purchase information storage means for storing
The claim data received by the claim data receiving means is stored in the claim data storage means for storing the claim data, and the newly generated record of the electronic record claim is registered in the record book of the electronic record claim database. For this purpose, a bond data delivery means to be delivered to the computer of the recording agency,
A purchase request receiving means for receiving a purchase request for an electronically recorded claim specified by a claim code from a creditor terminal operated by a creditor of the electronically recorded claim;
The electronic record receivable received by the purchase request accepting means is stored in the electronic record receivable database if the purchase information storage means stores a purchaseable flag in association with the receivable code of the electronic record receivable. A transfer record request sending means for sending a request for transfer record to change the creditor to the purchaser in the record book of the electronic record claim, and sending to the computer of the recording organization;
The electronic claim receivable registration apparatus, wherein the receivable data delivery means delivers receivable data including receivable data determined not to be purchased by the purchase determining means to a computer of the recording organization. In the claim data received by the claim data receiving means, a payment type code indicating a payment type of a collective trust, collective factoring, general transfer, electronically recorded receivable is specified,
The purchase determination unit determines whether or not to purchase an electronically recorded receivable related to receivable data whose payment type code is an electronically recorded receivable among the receivable data received by the receivable data receiving unit. Electronic record receivable registration device. The credit data specifies a creditor of the electronic record credit,
Creditor information storage means for storing a notification address for each creditor of the electronically recorded credit,
A registration notification receiving means for receiving a registration notification for notifying that an occurrence record of a newly generated electronic record receivable has been registered in the record base of the electronic record receivable database from the computer of the recording organization;
Upon receipt of the registration notification, the address of the contact corresponding to the creditor of the electronic record receivable subject to the registration notification is read from the creditor information storage means, and the registration for notifying that the registration of the electronic record receivable is completed A registration completion notification transmitting means for transmitting a completion notification to a creditor of the electronic record loan;
The electronic record loan registration apparatus according to claim 1 or 2, further comprising: The computer of the electronic record receivable recording institution records the occurrence record of the electronic record receivable subject to purchase of the receivable in the electronic record receivable database storing the record base of the electronic record receivable managed by the recording institution, and the electronic record A method of registering an electronically recorded bond executed by a computer that accepts a purchase request for a bond,
A claim data receiving step for receiving, from a debtor terminal operated by a debtor of an electronically recorded claim, the claim data in which the amount of the claim of the electronically recorded claim and the scheduled payment date of the claim amount are specified,
In the extreme amount storage unit for storing the extreme amount of purchase of the electronically recorded receivable set by the purchaser of the electronically recorded receivable by the computer, the receivable amount specified in the receivable data accepted by the receivable data accepting step is stored in the computer A purchase determination step for determining whether or not to purchase electronic record receivables related to the receivable data from within the range of the repurchasable amount specified by the purchaser specified from the stored extreme amount;
When the computer determines that purchase is possible in the purchase determination step, it indicates that, for the bond data determined to be purchaseable, the claim code for identifying the electronic record claim relating to the claim data and the electronic record claim can be purchased. A purchase information storage step for associating and storing a purchase possible flag in the purchase information storage unit;
The computer stores the bond data received in the bond data receiving step in a bond data storage unit for storing bond data, and records the occurrence of newly generated electronic record claims in the record base of the electronic record bond database. A receivable data delivery step for delivery to the recording agency computer for registration;
A purchase request accepting step for accepting a purchase request for an electronically recorded claim specified by a claim code from a creditor terminal operated by a creditor of the electronically recorded claim;
If the computer stores a purchase request flag in association with the claim code of the electronic record receivable in the purchase information storage unit for the electronic record receivable received in the purchase request accepting step, the electronic record receivable A transfer record requesting step for sending a transfer record request to change the creditor to the purchaser in the record base of the electronic record receivable stored in a database, to the computer of the recording organization,
In the claim data delivery step, the claim data including the claim data determined not to be purchased in the purchase judgment step is delivered to a computer of the recording organization. In the claim data received in the claim data receiving step, a payment type code indicating a payment type of one of collective trust, collective factoring, general transfer, electronically recorded receivable is specified,
5. The purchase determination step determines whether or not purchase of an electronically recorded receivable relating to receivable data whose payment type code is an electronically recorded receivable among the receivable data received in the receivable data receiving step is performed. To register electronic record receivables. The credit data specifies a creditor of the electronic record credit,
The computer is provided with a creditor information storage unit for storing a notification destination address for each creditor of the electronic record credit,
A registration notification receiving step for receiving a registration notification from the computer of the recording institution that a record of occurrence of a newly generated electronic record loan is registered in the record base of the electronic record bond database;
When the computer receives the registration notification, the address of the contact corresponding to the creditor of the electronic record receivable subject to the registration notification is read from the creditor information storage unit, and the registration of the electronic record receivable is completed. A registration completion notification transmission step for transmitting a registration completion notification to the creditor of the electronic record loan,
The method for registering an electronically recorded claim according to claim 4 or 5, wherein:

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