JP5451692B2 - Monetary bond exchange system - Google Patents

Description

  The present invention relates to a technology for supporting finance using electronic record receivables, and in particular, a monetary receivable exchange system that improves the distribution of electronic record receivables in the entire electronic record receivable scheme and can be widely used for settlement and financing. It is related to technology effective when applied to.

  In recent years, with the trend toward more IT in the economy and finance, digitalization of bills and sales receivables held by companies, and by promoting the mobilization of receivables while ensuring the safety of transactions, especially SMEs The Electronic Record Claims Law has been enacted and enforced for the purpose of facilitating and revitalizing the funding of the company, and an electronic record claim system has been established (see Non-Patent Document 1, etc.). Here, electronic record receivables are a new type of monetary receivables that are neither designated receivables nor bill receivables, and are created by an electronic receivables recording organization (hereinafter sometimes simply referred to as “recording organization”) using magnetic disks, etc. Electronic records in the record book are required to be effective for generating and transferring receivables.

  The Electronic Record Claims Act presupposes that multiple recording institutions will be established from the viewpoint of ensuring user convenience. The contents of the services provided by each recording organization are freely designed, and the contents of services and data specifications etc. according to the business regulations established by each recording organization within the framework of the Electronic Record Claims Act May vary from one recording agency to another.

  For example, Japanese Unexamined Patent Application Publication No. 2009-98986 (Patent Document 1) discloses information exchange between a creditor terminal, a debtor terminal, and a recording institution as a technique for dealing with problems when a plurality of recording institutions are established. The intermediary system that intermediates the creditors converts the electronic bond information from the creditor terminal into a data format required by the recording institution used for registering the electronic receivable and sends it to the recording institution, and then the creditor terminal and the debt Technology that enables the management of bond information without taking into account the difference in data specifications for each recording institution by correcting the difference in data specifications between the two by intermediating the payment information between the recording institutions of the subscriber terminals Is disclosed. As a result, the creditor terminal registers the electronic credits to a plurality of recording institutions in the form of using the creditor terminal information that the creditor terminal has had in the past, and performs the settlement process each time the debtor terminal approves the electronic credits. Allows you to specify a recording authority.

JP 2009-98986 A

Financial Services Agency, Civil Affairs Bureau, “Outline of Electronic Record Claims Act”, [online], Financial Services Agency website, [Search February 7, 2011], Internet <URL: http://www.moj.go.jp/MINJI /minji138.html>

  According to the technology described in Patent Document 1, even if the recording organization designated by the creditor and the recording organization designated by the debtor are different, the creditor designates it by absorbing the difference between the formats. It is possible to register electronic record receivables at the recording institution, and to settle at the recording institution designated by the obligor, and to clear the electronic record receivable at the recording institution designated by the obligor via the settlement information Become.

  However, the technology disclosed in Patent Document 1 uses the intermediary system for settlement under an electronically recorded receivable scheme, even when the creditor and debtor specify different recording institutions (financial institutions) for one claim / debt. It is possible to perform. In other words, here, payment processing based on electronically recorded receivables recorded in a recording organization designated by the creditor is the subject, and electronically recorded receivables are circulated like a bill including multiple recording institutions. It is not intended for usage methods in which users make payments or raise funds.

  On the other hand, at present, in an environment where a plurality of recording organizations are established, normally, the electronic record receivables generated by one recording organization can only be used by that recording organization, and transfer records etc. can be sent to other different recording organizations. Can't do it.

  For example, in a service provided by a plurality of recording institutions currently established by so-called megabanks (hereinafter sometimes referred to as “megabank recording institutions”), basically transfer records can be made only through the megabank recording institutions. Available (closed type), services provided by other recording institutions, for example, services provided by other “megabank recording institutions”, or all-bank participation type (universal type) to be established by the National Banking Association Cooperation with services provided by other recording organizations (hereinafter sometimes referred to as “Densai Net (registered trademark)”) is not expected.

  Therefore, for example, when a user pays by transferring an electronic record receivable issued by a “megabank recording institution” (hereinafter sometimes referred to as “megabank electronic record receivable”), both the transferor and the transferee It is necessary to open an account in Megabank and register for use, and there is a limit to the circulation of electronically recorded receivables compared to “Densai Net”, which participates in all banks.

  In addition, at present, debtors of “megabank electronic record receivables” are often highly creditworthy companies. When a creditor of this “megabank electronic record receivable” makes a discount request to a financial institution, if the financial institution pays cash as compensation for it, the discount requester will receive a low interest rate due to the high creditworthiness of the debtor. Funding is possible. However, the distribution of electronically recorded receivables ended there, and downstream commercial operators from the discount client would not be able to use “Megabank electronically recorded receivables” as a means of payment. The high creditworthiness of the debtor of “electronically recorded receivables” cannot be utilized, and high interest rates or unstable funding will be forced.

  Accordingly, an object of the present invention is that a financial institution that has received a request for discounting a monetary claim including an electronic record receivable from a discount client issues and issues an equivalent electronic record receivable instead of cash to the discount client. Accordingly, an object is to provide a monetary receivable exchange system that realizes a service for redistributing electronic record receivables issued by the financial institution.

  The above and other objects and novel features of the present invention will be apparent from the description of this specification and the accompanying drawings.

  Of the inventions disclosed in this application, the outline of typical ones will be briefly described as follows.

  A monetary receivable exchange system according to a typical embodiment of the present invention is issued by an electronic receivable recording institution at a financial institution in response to a request for discount of a monetary receivable from a discount client by an electronic receivable recording institution equivalent to the monetary receivable instead of cash. This is a monetary receivable exchange system for issuing electronic record receivables having the following characteristics.

  That is, the monetary bond exchange system acquires a debtor credit risk determination unit that determines credit risk of the debtor based on information including credit information about the debtor of the money claim, and acquires information related to the money claim Based on the information on the monetary claim acquired by the original monetary claim information acquisition unit and the original monetary claim information acquisition unit, the electronic device with the discount requester as the creditor and the financial institution as the debtor is equivalent to this. It is characterized by having an electronic record receivable occurrence record application section that requests the occurrence record of the record receivable from the electronic receivable recording organization.

  Among the inventions disclosed in the present application, effects obtained by typical ones will be briefly described as follows.

  According to a typical embodiment of the present invention, a financial institution that has received a request for discount of a monetary claim including an electronic record receivable from a discount client receives an equivalent electronic record instead of cash to the discount client. By issuing and issuing the receivable, it is possible to realize a service for redistributing as an electronic record receivable issued by the financial institution.

  As a result, for example, a commercial trader downstream from a discount client can transfer a digitally recorded receivable issued by the financial institution at the time of settlement or fund procurement, etc. It becomes possible to obtain a stable and low-interest funding means that makes use of the creditworthiness of the financial institution, and to realize a new credit creation mechanism.

It is the figure which showed the outline | summary about the structural example of the electronic record loan exchange system which is one embodiment of this invention. It is the figure which showed the outline | summary about the example of the discount of electronic record bonds in one embodiment of this invention, and the flow of settlement. It is the figure which showed the outline | summary about the example of the flow of the exchange of the government bond and electronic record bond in one embodiment of this invention. It is the figure shown about the example of the flow of a process at the time of exchanging "mega bank electronic record receivable" and "densai" in one embodiment of this invention. It is the figure which showed about the example of the flow of a process at the time of the original creditor assigning "Densai" for payment in one embodiment of this invention. It is the figure which showed about the example of the flow of a process at the time of the assignee further assigning "Densai" for payment in one embodiment of this invention. It is the figure which showed the outline | summary about the example of the flow of the discount and settlement of the conventional electronic record loan in a supply chain.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that components having the same function are denoted by the same reference symbols throughout the drawings for describing the embodiment, and the repetitive description thereof will be omitted. In the following, the features of the present invention will be easily understood. A description will be given in comparison with the prior art.

  The present invention can be used in a monetary receivable exchange system for issuing electronic record receivables for monetary receivables such as nominated receivables and securities, but in the following, the first electronic receivable record established by an individual financial institution An example of an electronic record receivable exchange system in which a first electronic record receivable issued by an institution (closed type electronic receivable recording institution) is a monetary receivable will be described.

<Overview>
FIG. 7 is a diagram showing an outline of an example of the flow of discount and settlement of conventional electronic record bonds in the supply chain. Here, it is assumed that company X 6 sells goods and the like to company Y 5 and records the sales receivables as electronic record receivables in the recording organization ((1) in the figure). That is, Company X 6 is a creditor of the electronic record credit, and Company Y 5 is a debtor. Here, the electronic record receivables are assumed to be electronic record receivables issued by electronic receivable recording institutions (closed type electronic receivable recording institutions) established by individual financial institutions (including subsidiaries and affiliated companies). As an example, it is assumed that it is a “megabank electronic record receivable” issued by a “megabank recording institution”. Accordingly, the Y company 5 which is a debtor is often a company having generally high creditworthiness.

  For example, when Company X 6 makes a payment for sales receivables (accounts payable) to Company A 7, which is a supplier of raw materials, etc., the “megabank electronic record receivables” are transferred (or dividedly transferred). However, as described above, Company A 7 also needs to open an account in the mega bank and register for use with the “mega bank recording organization”.

  If this is not the case, Company X 6 brings it to discounted financial institution 4 ′ that can discount “megabank electronic record receivables” as a means of raising funds for payment to Company A 7, for example. Raise funds by requesting or placing in transfer collateral ((2) in the figure). As a result, the “megabank electronic record receivable” is transferred to the discount financial institution 4 ′ ((3) in the figure), and the discount financial institution 4 ′ becomes the creditor. The discount financial institution 4 'may, for example, operate the “megabank recording institution” directly or indirectly to provide the “megabank electronic record receivable” service, It is another financial institution that provides the purchase service of “record receivables”.

  When discount financial institution 4 'pays cash to company X 6 as a discount for “megabank electronic record receivables” ((4) in the figure), X company 6 has “ The “megabank electronic record receivable” will not remain. Therefore, for example, when company X 6 pays sales receivables to company A 7, it can no longer be paid by means such as transferring “megabank electronic record receivables”. (5 in the figure).

  Similarly, when Company A 7 pays the trade receivables to Company B 8, which is a supplier of raw materials, etc., it will be paid by drawing out or transferring cash or bills as before (in the figure ( 6)). On the other hand, the discount financial institution 4 'collects funds at the time of payment by remittance from the account of Y company 5 which is the debtor of the “megabank electronic record receivable” ((7) in the figure).

  Thus, in the conventional example, when a creditor (Company X 6) of “Megabank Electronic Record Claim” makes a discount request to the discount financial institution 4 ′, the discount financial institution 4 ′ pays cash as compensation. The discount client (Company X 6) can raise funds at a low interest rate due to the high creditworthiness of the debtor (Company Y 5). However, the distribution of “megabank electronic record receivables” ended there, and downstream distributors (Company A, Company B 8, Company B, etc.) from the discount client (Company X 6), “Megabank Electronic “Recorded receivables” can no longer be used, and the high creditworthiness of the debtor (Y company 5) of “Megabank Electronic Record Receivables” cannot be utilized at the time of fundraising, forcing high interest rates or unstable funding. End up.

  Therefore, an electronic record receivable exchange system according to an embodiment of the present invention is an electronic record receivable issued by an electronic receivable recording institution established by an individual financial institution (for example, a “megabank electronic record issued by a“ megabank recording institution ”). The financial institution that received the discount request from the discount client (Company X 6) is not a cash account for the discount client (Company X 6), but is an all-institutional (universal type) electronic By issuing electronic record receivables issued by bond recording institutions (for example, “Densai” issued by “Densai Net”), they are circulated again as electronic record receivables issued by the financial institutions. .

  FIG. 2 is a diagram showing an overview of an example of the flow of discount and settlement of electronic record receivables in the present embodiment. Here, as in the example of FIG. 7, Company X 6 sells goods etc. to Company Y 5 and records its sales receivables as a former electronic record receivable in the recording organization ((1) in the figure). To do. The former electronic record receivable is assumed to be an electronic record receivable issued by an electronic receivable recording institution established by an individual financial institution. In the following, as an example, a “megabank electronic record receivable” issued by a “megabank recording institution” It is assumed that

  For example, when company X makes a payment for sales receivables to company A 7, which is a supplier of raw materials, etc., for example, “megabank electronic record receivables” can be discounted as a means of raising funds. Bring it to the exchange financial institution 4 and raise funds by requesting a discount or putting it in transfer collateral ((2) in the figure). Accordingly, the “megabank electronic record receivable” is transferred to the exchange financial institution 4 ((3) in the figure), and the exchange financial institution 4 becomes the creditor.

  The exchange financial institution 4 is a financial institution that provides an electronic record receivable exchange service using the electronic record receivable exchange system 1 of the present embodiment. In addition to providing purchase services for “Megabank Electronic Record Loans”, we also participate in and tie up with all financial institution-participation electronic bond recording institutions (in this embodiment, “Densai Net” as an example) It is a financial institution capable of drawing out recorded receivables (in this embodiment, “Densai” is taken as an example).

  In the example of FIG. 2, the exchange financial institution 4 does not pay cash to the company X 6 as a discount for the “megabank electronic record receivable”, but issues a new “Densai”. In other words, “Densai”, which is equivalent to “Megabank Electronic Record Receivable” (same amount / same date), with X Company 6 as the original creditor and Exchange Financial Institution 4 as the debtor, Recorded in “Net” ((4) in the figure).

  From now on, for example, when company X 6 makes payments for trade receivables to company A 7, instead of paying with cash or bills, etc. Payment can be made ((5) (6) in the figure). Similarly, when Company A 7 pays the sales receivables to Company B 8, which is a supplier of raw materials, etc., the “Densai” transferred from Company X 6 is reassigned (split assignment). (7) (8) in the figure.

  On the due date, etc., the exchange financial institution 4 repays the debt by remittance to the account of Company B 8 which is the final creditor holding “Densai” ((9) in the figure) The funds at the time of discount are collected by remittance from the account of Y company 5 which is the debtor of “Megabank Electronic Record Claim” ((10) in the figure).

  In this manner, the discount client (X company 6) and the exchange financial institution 4 exchange the “megabank electronic record receivables” and “densai” to obtain the discount client (X Companies 6) downstream merchants (Company A7, Company B8, etc.) are widely charged with electronically recorded receivables by paying with “Densai” issued by the exchange financial institution 4 when paying the purchase debt. Can be distributed. In particular, if the exchange financial institution 4 has a higher rating than the debtor of “Megabank Electronic Record Claims” (Company Y 5), distribute “Densai” with creditworthiness closer to cash. Can do.

  In addition, owners of “Densai” such as Company X 6, Company A 7, and Company B 8 bring “Densai” to another financial institution to request a discount or put it in transfer collateral. It is of course possible to raise funds, and it is possible to raise funds at a stable and low interest rate by utilizing the creditworthiness of the exchange financial institution 4. In this way, we will realize a new credit creation mechanism by taking full advantage of the advantages of electronic record receivables and the characteristics of participation by all financial institutions in electronic receivable recording institutions such as Densai Net. It becomes possible.

  In the above example, “Megabank electronic record receivables” are listed as an example of exchange for “Densai”. However, other electronic record receivables may be used, and various money such as accounts receivable may be used. It may be assets such as receivables, securities such as government bonds, movable property and real estate.

  FIG. 3 is a diagram showing an outline of an example of the flow of exchange between a government bond and an electronic record bond in the present embodiment. When company X 6 pays sales receivables to company A 7, which is a supplier of raw materials, etc., for example, as a means of raising funds, company X owns its own assets (for example, government bonds) as exchange financial institution 4 (1) in the figure. Exchange financial institution 4 does not pay cash to Company X 6 as consideration for government bonds etc., but issues a new “Densai”. In other words, it is equivalent to the price, redemption date, etc. of government bonds, etc. (same amount / same date), and “Densai” with X company 6 as the underlying creditor and exchange financial institution 4 as the debtor is newly issued. Record in “Densai Net” ((2) in the figure).

  Thereafter, as in the example of FIG. 2, for example, when company X 6 makes a payment for trade receivables to company A 7, instead of paying with cash or bills, the “densai” is used. Payment can be made by transfer (division transfer) ((3) (4) in the figure). Similarly, when Company A 7 pays the sales receivables to Company B 8, which is a supplier of raw materials, etc., the “Densai” transferred from Company X 6 is reassigned (split assignment). (5 and 6 in the figure).

  On the due date, etc., the exchange financial institution 4 reimburses the debt by transferring money to the account of Company B 8 which is the final creditor holding “Densai” ((7) in the figure). The funds are collected by redemption of government bonds ((8) in the figure). In this way, it is possible to expand the exchange service with “Densai” for securities other than “megabank electronic record receivables”.

<System configuration>
FIG. 1 is a diagram showing an outline of a configuration example of an electronic record bond exchange system according to an embodiment of the present invention. The electronically recorded bond exchange system 1 includes an information processing device such as a server or a PC (Personal Computer) arranged in the exchange financial institution 4 in the examples of FIGS. 2 and 3. A process of exchanging “Megabank Electronic Record Claims” and “Densai” with a person (Company X 6) as well as tracking the distribution status of “Densai” after the exchange. It is a system that makes it possible to do.

  The electronic record receivable exchange system 1 includes a former electronic record receivable management system 30, a recording institution connection system 31, a loan management system 32, a bill system 33, etc. via a network such as a LAN (Local Area Network) not shown or manually. Data can be exchanged with various systems and information processing apparatuses in the exchange financial institution 4.

  The former electronic record receivable management system 30 is an information processing system that is connected to the individual financial institution electronic receivable record institution 2 via a network such as the Internet (not shown) and performs processing related to the electronic record receivable. In the present embodiment, as described above, the individual financial institution electronic bond recording institution 2 and the electronic record receivable issued thereby will be described as being “megabank recording institution” and “megabank electronic record receivable”, respectively.

  The recording institution connection system 31 is an information processing system that connects to all financial institution-participating electronic bond recording institutions 3 via a network such as the Internet (not shown) and performs processing related to the electronic record bonds. In the example of FIG. 1, the recording institution connection system 31 is provided in the exchange financial institution 4. However, outside the exchange financial institution 4, it participates in or is affiliated with a service provided by all financial institution-participating electronic bond recording institution 3. It may be configured to have the system jointly with other financial institutions. In this embodiment, as described above, all financial institution-participation-type electronic bond recording institutions 3 and electronic record bonds issued thereby are described as being “Densai Net” and “Densai”, respectively. To do.

  The loan management system 32 is a system that manages information related to financing including customer credit information in the exchange financial institution 4 and supports processing related to execution of financing. The accounting system 33 is a basic system that performs accounting processing in the exchange financial institution 4.

  The electronic record receivable exchange system 1 includes, for example, a debtor credit risk judgment unit 11 implemented by software, a former electronic record receivable information acquisition unit 12, an electronic record receivable occurrence record application unit 13, an electronic record receivable management unit 14, and a fee Each unit such as the processing unit 15 and electronic record bond information 20 including a database, a file table, and the like are included. In addition, for example, an input / output unit (not shown) implemented by a Web server program or the like is provided, and a user (a person in charge of the exchange financial institution 4 or a user of an electronic record receivable exchange service) is connected to a client terminal such as a PC ) Provides a user interface for accessing the above components and performing processing.

  The debtor credit risk judgment unit 11 uses the receipt of a discount application from the creditor (discount client) of the “megabank electronic record receivable” as a trigger for the debtor of the “megabank electronic record receivable” Credit information is acquired from the loan management system 32 automatically or manually. In addition, the credit risk of the obligor is determined by an arbitrary method based on the acquired credit information such as the credit balance of the obligor, loan status, and information such as the amount of “Megabank Electronic Record Claims”. Judge whether to accept discounts on “electronically recorded receivables”. The determination of whether to accept the discount may be made automatically by the obligor credit risk determination unit 11 or may be made by the person in charge based on the contents of the determination by the obligor credit risk determination unit 11.

  The former electronic record receivable information acquisition unit 12 sends information related to the “megabank electronic record receivable”, which is the electronic record receivable of the exchange source, from the “megabank record organization” via the former electronic record receivable management system 30. Automatically or manually. Based on the information of “Megabank Electronic Record Loan” acquired by the former Electronic Record Loan Information Acquisition Unit 12, the Electronic Record Loan Occurrence Record Application Unit 13 accepts the discount requestor's credit as equivalent (same amount / same date). In order to generate a new “Densai” whose debtor is the exchange financial institution 4, the occurrence record is requested to “Densai Net” via the recording institution connection system 31.

  The electronic record receivable management unit 14 registers, in the electronic record receivable information 20 for each “densai”, information related to “densai” for which an occurrence record request has been made by the electronic record receivable occurrence record application unit 13. . Furthermore, for each registered “Densai”, a disclosure request is made to “Densai Net” via the recording institution connection system 31 at predetermined intervals such as daily, and the disclosed information is updated. If there is updated information such as a transfer record, it is recorded and managed as “Densai” distribution process information.

  Thereby, the user accesses the electronic record receivable information 20 via the electronic record receivable management unit 14, so that each intermediate transferor does not attach a guarantee record when each “densai” is transferred one after another. Even in such a case, the distribution process can be tracked and information related to the intermediate transferor and the current creditor (for example, the name and location of each creditor, the amount, information on the settlement account, etc.) can be grasped. . Further, it is possible to grasp the actual state of the commercial flow related to the discount client, and it is possible to obtain important data that contributes to activities such as customer management of the exchange financial institution 4 and acquisition of new customers.

  The fee processing unit 15 determines whether the exchange financial institution 4 uses the service usage fee for each user of the electronic record receivable exchange service (the original creditor, intermediate transferor, final creditor, etc. in the distribution process of “Densai”). Execute the process when collecting. The electronic record receivable exchange service provided by the electronic record receivable exchange system 1 improves the circulation of the electronic record receivable, so that the user of the electronic record receivable exchange service can make a low-cost and highly convenient settlement means. And stable and low-interest funding means. Accordingly, the exchange financial institution 4 can obtain a fee from the user as the consideration and can continue the exchange service business.

  The fee processing unit 15 includes various units such as a payer management unit 16, a billing financial institution management unit 17, a factor information management unit 18, and a fee calculation unit 19 implemented by software.

  The payer management unit 16 refers to the electronic record receivable information 20 via the electronic record receivable management unit 14 or refers to the record book of “Densai Net” via the recording institution connection system 31. The user who is to be charged for the distribution of “Densai” (pay the fee to the exchange financial institution 4) is specified. In the present embodiment, as will be described later, a creditor who has transferred “Densai” issued by the exchange financial institution 4 through an electronic record receivable exchange service pays the exchange financial institution 4 a fee related to the transfer. And Further, the billing financial institution management unit 17 acquires information (such as a settlement account) related to the financial institution that charges a fee for the user specified by the payer management unit 16.

  The factor information management unit 18 acquires information on the fluctuation factor for the fee amount. There are various models for how much the exchange financial institution 4 can demand for each user in the distribution process of “Densai”, including cases where the fee is zero or a fixed amount. It can be employed and is not particularly limited.

  In the case of discounts for ordinary electronic record receivables, for example, fees are determined based on expected profits, capital costs, credit costs (deemed provisions), expenses, funding costs, and the like. On the other hand, in the exchange service of the present embodiment, the user can obtain a convenient settlement method or a stable and low-interest funding means by receiving “Densai” issued by the exchange financial institution 4. Therefore, theoretically, for example, the credit cost of the “Densai” assignee—the credit cost of the “Megabank Electronic Record Claim” debtor (the exchange financial institution 4 than the debtor of the “Megabank Electronic Record Claim”). If the credit rating is higher (credit risk is lower), it is possible to request the maximum fee equivalent to “Densai” assignee's credit cost-credit cost of exchange financial institution 4) Conceivable.

  The credit cost, which is a fee fluctuation factor, can be evaluated by various methods. For example, the factor information management unit 18 acquires rating information in the exchange financial institution 4 from the loan management system 32. Or converted into a rating in the exchange financial institution 4 based on credit information acquired from an external evaluation organization directly or via the loan management system 32.

  The fee calculation unit 19 calculates a fee to be collected based on the information on the variation factor obtained by the factor information management unit 18, and notifies the user by a predetermined means. Further, for example, when the user's financial institution is the exchange financial institution 4, the fee is collected directly from the user's account by the account system 33, and when it is another financial institution, it is used via the financial institution network. It is collected by receiving remittance between accounts from the financial institution of the person. Note that the actual fee amount may be freely determined within the range of the above theoretical value (maximum value), including zero or a fixed amount, depending on the policy of the exchange financial institution 4.

<Processing flow (electronic record receivable exchange)>
In the following, the flow of processing of the electronic record receivable exchange service provided by the exchange financial institution 4 using the electronic record receivable exchange system 1 of the present embodiment will be described. In the example shown in FIG. 2, “megabank electronic record receivables” and “densai” are exchanged between the discount client (Company X 6) of “megabank electronic record receivables” and the exchange financial institution 4. It is the figure shown about the example of the flow of the process at the time of doing.

  First, the company X, the creditor of “megabank electronic record receivables”, receives a discount on “megabank electronic record receivables” from the exchange financial institution 4 and is granted “Densai” as compensation. An application is made (S01). This application may be input by accessing the electronic record receivable exchange system 1 of the exchange financial institution 4 via a network, or by sending an application document to the exchange financial institution 4 and The person in charge may input manually.

  The electronic record receivables exchange system 1 of the exchange financial institution 4 that has received an application for discount and exchange service for the “megabank electronic record receivables” is executed by the debtor credit risk judgment unit 11 by the debtor (Y Credit decision is made based on the credit risk of the company 5), and whether to accept the discount is determined automatically or manually by a person in charge of the exchange financial institution 4 (S02). If it is decided to refuse the discount, the process is terminated.

  When the discount is accepted, the company X 6 (discount client) that has received the notification to that effect transfers the transferor to the company X, which is a megabank recording organization (individual financial institution electronic bond recording organization 2). Then, a request for a transfer record is made with the transferee as the exchange financial institution 4 (S03). The “megabank recording institution” records the transfer in the record book based on the request, and notifies the transfer financial institution 4 as the transferee (S04).

  When the exchange financial institution 4 receives the notification that the transfer record has been recorded by the former electronic record receivable management system 30, it confirms the notification contents manually or by the former electronic record receivable information acquisition unit 12 of the electronic record receivable exchange system 1. Then, the information of the registered contents relating to the transferred “megabank electronic record receivable” is acquired by the former electronic record receivable information acquisition unit 12 (S05). Then, in order to generate “densai” equivalent to this (same amount / same date), the “densai net” (all financial institutions) via the recording institution connection system 31 by the electronic record receivable occurrence record application unit 13 A request for a record of occurrence of “densai” is made to the participation type electronic bond recording organization 3) (S06).

  “Densai Net” records the occurrence of “Densai” in the record book based on the request, and notifies that to the underlying creditor Company X 6 and the debtor exchange financial institution 4 ( S09). The exchange financial institution 4 receives and confirms the notification via the recording institution connection system 31, and the person in charge of the electronic record receivable management unit 14 of the electronic record receivable exchange system 1 or the person in charge of the exchange financial institution 4 confirms and registers (S10). The contents related to “Densai” are recorded in the electronically recorded bond information 20 automatically or manually. On the other hand, the X company 6 also receives and confirms the notification via the recording institution connection system 31 of the exchange financial institution 4 (S11, S12).

  In this embodiment, in the electronic record receivable service provided by “Densai Net” (all financial institution participation type electronic receivables recording institution 3), the user selects a financial institution designated from among participating / partner financial institutions ( Actions such as recording requests, disclosure, notifications, etc. for “Densai Net” can be performed only through the designated financial institution), and after “Densai” is recorded, “Densai” Assuming that the designated financial institution cannot be changed.

  In the example of FIGS. 2 and 4, regarding “Densai” that the exchange financial institution 4 has issued to the company X 6, the designated financial institution of the company X 6 is usually the exchange financial institution 4. Company X 6 receives a registration notification relating to the occurrence record from “Densai Net” via the recording institution connection system 31 of the exchange financial institution 4 which is the designated financial institution.

  In addition, the exchange financial institution 4 requests the occurrence record of “Densai” in step S06, and then calculates the usage fee for the X company 6 by the fee processing unit 15 of the electronic record loan exchange system 1. Is notified through the network or manually (S07). Company X 6 pays the charged fee to exchange financial institution 4 by a predetermined method (S08). As a result of the above processing, Company X 6 can receive a discount as if it were exchanged for “Densai” issued by the exchange financial institution 4 for the “megabank electronic record receivable” held.

<Processing flow (at first transfer)>
FIG. 5 shows the process when the underlying creditor who received “Densai” by exchange from the exchange financial institution 4 in the example shown in FIG. 2 transfers “Densai” for his / her own payment. It is the figure shown about the example of the flow of. First, Company A 7 having a sales receivable against Company X 6 who is the original creditor of “Densai” makes a payment request to Company X 6 (S21). On the other hand, if agreement is reached between X company 6 and A company 7 to pay by transferring “densai”, X company 6 designates “densai” that it owns. Transfer company X and transferee A to “Densai Net” (all financial institution-participation electronic bond recording institution 3) through the recording institution connection system 31 of the exchange financial institution 4 which is a financial institution. The transfer record is made as 7 (S22, S23). At this time, “Densai” may be divided and transferred depending on the amount to be paid (the amount of purchase obligations).

  “Densai Net” records the transfer in the record book based on the request, and notifies the transfer company X company 6 and the transfer company A company 7 to that effect (S24). Regarding the notification, Company X 6 and Company A 7 are respectively connected to the recording institution connection system 31 of the exchange financial institution 4 which is the designated financial institution of Company X 6 and “Designated Finance of Company A 7” in “Densai Net”. Receive and confirm via the institution 7 '(S25, S26, and S27, S28). The designated financial institution 7 ′ of Company A 7 is not necessarily the exchange financial institution 4 and may be another financial institution.

  On the other hand, in the exchange financial institution 4, the electronic record receivable management unit 14 of the electronic record receivable exchange system 1 makes a disclosure request to “Densai Net” via the record institution connection system 31 at predetermined intervals such as daily. (S29). In “Densai Net”, information related to “Densai” corresponding to the disclosure request is obtained from the record book and disclosed (S30). In the electronic record receivables exchange system 1 of the exchange financial institution 4 that has received the disclosure, the electronic record receivable management unit 14 includes information such as transfer records newly updated to the disclosed contents (from the X company 6 in the example of FIG. 5). If there is a record of transfer to Company A 7), this is recorded in the electronic record receivable information 20 as information on the distribution process of each “Densai”, and the fee handling unit 15 calculates the usage fee for the transfer. Then, a request for collection is made to the company X 6 which is the transferer of “Densai” via the network or manually (S31).

  In the present embodiment, as described above, the amount of the usage fee is calculated based on the creditworthiness of the assignee of “Densai”. The request for the transfer record to “Densai Net” is made, and it is considered that the transferor normally pays the fee for the transfer record. Accordingly, the usage fee for distributing “Densai” by the exchange service provided by the electronic record receivable exchange system 1 of the present embodiment is also the one that the transferee should pay, It is assumed that the transferor (Company X 6) pays the exchange financial institution 4 which is the designated financial institution once (S32).

  As a result, between the transferor (Company X 6) and the transferee (Company A 7), there is a separate payment for the usage fee (requisition from Company X 6 to Company A 7) where the exchange financial institution 4 is not involved. (S33, S34). Note that the above flow relating to fee collection is an example, and other methods may be used for collection and settlement.

<Processing flow (after second transfer)>
FIG. 6 shows that in the example shown in FIG. 2, the transferee (intermediate transferor) who received payment for the transfer of “Densai” to the trade receivable further added “Densai” for his own payment. It is the figure shown about the example of the flow of the process at the time of transfer. First, as in the example of FIG. 5, Company B 8 having a sales receivable for Company A 7 who is the current creditor of “Densai” makes a payment request to Company A 7 (S41). On the other hand, if agreement is reached between Company A 7 and Company B 8 to transfer “Densai”, Company A 7 designates “Densai” that it owns. Request a transfer record with the transferer A company 7 and the transferee B company 8 to "Densai Net" (all financial institution participation type electronic bond recording institution 3) through financial institution 7 '( S42, S43). At this time, “Densai” may be divided and transferred depending on the amount to be paid (the amount of purchase obligations).

  “Densai Net” records the transfer in the record book based on the request, and notifies the transfer company A 7 and the transfer company B 8 (S44). Company A 7 and Company B 8 receive and confirm the notification via the designated financial institution 7 'of Company A 7 and the designated financial institution 8' of Company B 8 on "Densai Net", respectively. (S45, S46, and S47, S48). Similar to the designated financial institution 7 ′ of Company A 7, the designated financial institution 8 ′ of Company B 8 is not necessarily the exchange financial institution 4 and may be another financial institution.

  On the other hand, in the exchange financial institution 4, the electronic record receivable management unit 14 of the electronic record receivable exchange system 1 makes a disclosure request to “Densai Net” via the record institution connection system 31 at predetermined intervals such as daily. (S49). In “Densai Net”, information related to “Densai” corresponding to the disclosure request is obtained from the record book and disclosed (S50). In the electronic record receivables exchange system 1 of the exchange financial institution 4 that has received the disclosure, the electronic record receivables management unit 14 includes information such as transfer records newly updated to the disclosed contents (in the example of FIG. If there is a record of transfer to Company B 8), this is recorded in the electronic record receivable information 20 as distribution information of each “Densai”, and the fee processing unit 15 calculates a usage fee for the transfer. Then, a request for collection is made via the network or manually to the designated financial institution 7 ′ of Company A 7 who is the transferor of “Densai” (S 51).

  In the example of FIG. 6 as well, as in the example of FIG. 5, the transfer fee for the exchange financial institution 4 is paid by the transferor (Company A7) instead of the transferee of “Densai” (Company B8). However, in the example of FIG. 6, the exchange financial institution 4 is not necessarily the designated financial institution 7 ′ of Company A 7. Therefore, in the present embodiment, after the exchange financial institution 4 calculates the fee to be collected from the company B 8, the use fee is obtained by entrusting the collection work to the designated financial institution 7 ′ of the company A 7. To do. The designated financial institution 7 'of Company A 7 sets the usage fee of the amount entrusted by the exchange financial institution 4 together with the transfer record fee for “Densai Net” collected from Company A 7 who is the transferor. Company A 7 collects the fee, and Company B 7 temporarily changes the fee to be paid by Company B 8 and pays it to designated financial institution 7 '(S53).

  The designated financial institution 7 ′ pays the exchange financial institution 4 the usage fee that the B company 8 collected from the A company 7 should pay by remittance between accounts (S 54, S 55). On the other hand, as in the example of FIG. 5, between the transferor (Company A 7) and the transferee (Company B 8), there is a separate settlement for usage fees (from Company A 7 to Company B where the exchange financial institution 4 is not involved). (Requiring to 8) may be performed (S56, S57). Note that the above flow relating to fee collection is an example, and other methods may be used for collection and settlement.

  Thereafter, at the exchange financial institution 4, the payment due date of each “Densai” recorded in the electronically recorded receivable information 20 by the electronically recorded receivable management unit 14 of the electronically recorded receivable exchange system 1 is notified at a daily timing. Check continuously. When the due date arrives, the electronic record receivable management unit 14 refers to the electronic record receivable information 20, or confirms the record book of “Densai Net” via the recording organization connection system 31. Thus, the creditor of the target “Densai” is grasped including the case where it is divided and transferred, and the account system 33 performs payment by remittance between accounts with the designated financial institution of each creditor.

  On the other hand, the electronic record receivable management unit 14 or the like also confirms whether or not payment is made from the debtor of the “megabank electronic record receivable” for which the discount has been given. When payment is confirmed, for example, information to that effect is input to the loan management system 32, and the loan management system 32 collects credit for the discount requester (Company X 6) of "Megabank Electronic Record Claim" A predetermined process is performed.

  As described above, according to the electronic record receivable exchange system 1 which is one embodiment of the present invention, an electronic receivable recording institution (closed type electronic receivable record) established by an individual financial institution such as a “megabank recording institution”. The exchange financial institution 4 that received a discount request from the discount requester of the electronically recorded receivables issued by the institution) is not participating in cash for the discount requester, but is participating in all financial institutions such as “Densai Net” By issuing an electronic record receivable issued by a (universal type) electronic receivable recording institution, it becomes possible to circulate again as an electronic record receivable issued by the exchange financial institution 4.

  As a result, for example, a commercial trader downstream from a discount client can transfer a digitally recorded receivable issued by the financial institution at the time of settlement or fund procurement, etc. It will be possible to obtain a stable and low-interest funding method that utilizes the creditworthiness of the exchange financial institution, and a new credit creation mechanism will be realized.

  More specifically, for example, for the obligor, that is, the obligor of the “mega bank electronic record receivable” (Y company 5 in the example of FIG. 2), any of the multiple established “mega bank record institutions” is used. Even so, the effect of paying “Densai” to the subcontractor company (Company X 6 in the example of FIG. 2) can be obtained, and the support of the subcontractor company, etc. should be strengthened. Leads to.

  For creditors of “Megabank Electronic Record Claims”, that is, “Densai” original creditors (Company X 6 in the example of FIG. 2), for example, purchase debt is not recorded in cash but is recorded in electronic form. When the user wishes to pay, the “mega bank electronic record receivable” and the “densai” issued by the exchange financial institution 4 can be exchanged to make a payment with the electronic record receivable. In exchange, the exchange financial institution 4 can receive “Densai” at a low interest because it does not require a cash procurement cost.

  In addition, for the transferee of “Densai” (Company A 7 and Company B 8 in the example of FIG. 2), it is not a “megabank electronic record receivable” issued by the underlying obligor (Company Y 5), but an exchange financial institution. Because you will receive payment at “Densai” issued by 4, apply for discounts etc. to financial institutions other than “Megabank Record Institutions” (or financial institutions that are participating or affiliated with them) It becomes possible. Further, when the rating of the exchange financial institution 4 is higher than that of the underlying obligor (Y company 5), it is possible to obtain electronically-recorded receivables with higher liquidity.

  Also, for the exchange financial institution 4 who is the assignee of “Megabank Electronic Record Claims” and the debtor of “Densai”, the debtor of “Megabank Electronic Record Claims” (Company X 6) without draining funds. It will be possible to receive compensation for underwriting credit risk. In addition, since the distribution process of “Densai” can be tracked, it is possible to grasp the actual state of the customer's commercial flow, and the assignee of “Densai” (Company A 7, Company B 8, etc.) Is a non-business partner, it becomes the target of a new business partner for discounts or transfer collateral, which can lead to the expansion of customers. In addition, similar schemes can be applied to claims and assets other than “megabank electronic record claims” such as government bonds, which can be linked to the development of various services.

  As mentioned above, the invention made by the present inventor has been specifically described based on the embodiment. However, the present invention is not limited to the embodiment, and various modifications can be made without departing from the scope of the invention. Needless to say.

  The present invention can be used in a monetary bond exchange system that improves the circulatory nature of electronic record receivables in the entire electronic record receivable scheme and can be widely used for settlement and fund procurement.

DESCRIPTION OF SYMBOLS 1 ... Electronic record receivables exchange system, 2 ... Individual financial institution Electronic receivables record organization, 3 ... All financial institutions participation type electronic receivables record organization, 4 ... Exchange financial institution, 4 '... Discount financial institution, 5 ... Company Y, 6 ... Company X, 7 ... Company A, 7 '... Designated financial institution, 8 ... Company B, 8' ... Designated financial institution,
DESCRIPTION OF SYMBOLS 11 ... Obligor credit risk judgment part, 12 ... Former electronic record receivable information acquisition part, 13 ... Electronic record receivable generation record application part, 14 ... Electronic record receivable management part, 15 ... Fee processing part, 16 ... Payer management part, 17 ... Billing financial institution management section, 18 ... Factor information management section, 19 ... Fee calculation section, 20 ... Electronically recorded bond information,
30 ... Claim management system, 31 ... Recording organization connection system, 32 ... Loan management system, 33 ... Account system.

Claims (4)

In a financial institution, in response to a request for discount of a monetary receivable from a discount client, a monetary receivable exchange system that issues an electronically recorded receivable issued by an electronic receivable recording institution equivalent to the monetary receivable instead of cash,
The monetary claim is a first electronic record claim issued by a first electronic claim recording organization established by an individual financial institution;
The electronic record receivable is a second electronic record receivable issued by a second electronic receivable recording institution participating in all financial institutions,
A debtor credit risk judgment unit for judging credit risk of the debtor based on information including credit information about the debtor of the first electronic record receivable;
A principal monetary claim information acquisition unit for acquiring information relating to the first electronic record claim;
On the basis of the original monetary claims information acquiring unit acquires the first information according to the electronic recording receivable by creditors the discount clientele in an equivalent, said second electronic records to debtor the financial institution A monetary receivable exchange system, comprising: an electronic record receivable occurrence record application section that requests the second electronic receivable recording institution to request occurrence records relating to receivables. In the monetary bond exchange system according to claim 1 ,
Further, the information relating to the second electronic record receivable is registered, and the registered second electronic record receivable is requested to be disclosed to the second electronic receivable recording institution at a predetermined interval, A monetary receivables exchange system comprising an electronically recorded receivable management unit that records and manages updated transfer record information as information on the distribution process of the second electronic receivable. In the monetary bond exchange system according to claim 1 or 2 ,
Furthermore, a payer management unit for identifying a user who is to pay a usage fee to the financial institution for transferring and distributing the second electronic record receivable;
A billing financial institution management unit for obtaining information relating to a financial institution that charges the use fee for the user specified by the payer management unit;
A factor information management unit for obtaining information of a variable factor for the amount of the usage fee;
A monetary bond exchange system, comprising: a fee calculation unit that calculates the usage fee to be charged based on the information on the variation factor obtained by the factor information management unit. In the monetary bond exchange system according to claim 3 ,
The monetary bond exchange system, wherein the transfer fee for the transfer of the second electronic record receivable is paid to the financial institution on behalf of the transferee.

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