JP5634565B1 - Electronic record receivable split and transfer management system, method, and computer-readable recording medium - Google Patents

Abstract

A system and method for managing the splitting and transfer of electronically recorded receivables. The system includes: a receiving unit that receives a reservation request including at least a transfer record reservation of an electronic record receivable; and a cancellation request for the reservation request from a client terminal; the received reservation request and the cancellation request; Transmitting means to the electronic bond recording organization, a notification that the reservation request has been recorded in the claim acceptance book, a notification that the reservation request has been canceled, and a divided record reserved in the reservation request and Receiving means for receiving a notification that the transfer record has been recorded in the record book and a notification that it has not been recorded; And a divisional transfer management database for storing a notification that it has been recorded in the record book and a notification that it has not been recorded. [Selection] Figure 7

Description

  The present invention relates to a management system and method for splitting and transferring electronic record receivables.

  In recent years, electronically recorded receivables (also called “densai”) are becoming popular as a new payment method. One of the features of this electronically recorded bond is that it can be divided. That is, unlike a conventional bill, a part of an electronic record receivable can be divided and transferred. For this reason, the user can divide and transfer as much as necessary, and can effectively use his / her own receivables. In order to divide and assign such electronic record receivables, it is necessary to make electronic records in the record ledgers of electronic receivable recording institutions.

  For example, in the electronic debt recording organization “Densai Net (registered trademark) (Zengin Electronic Credit Network, Inc.)” established by the National Bank Association, the subordinated credit (hereinafter referred to as the original credit) ”, It is necessary to transfer the split-destination receivable (called“ child loan ”), so the split record (hereinafter referred to as“ split record ”) and transfer record (hereinafter referred to as“ transfer record ”) It will be charged together. This request for recording includes a request to reserve a recording in advance (hereinafter referred to as “recording reservation”) by designating the date on which divided recording and transfer recording will be performed (hereinafter referred to as requesting recording reservation). Is called "reservation request"). The operations of requesting the division record and assignment record and the request for reservation can be carried out independently by the assignor (the creditor of the original credit).

  After the reservation request for the divisional record and the transfer record is made in this way, the transferor can cancel the reservation request (hereinafter referred to as “cancellation request”). . On the other hand, the assignee can also cancel the reservation request. However, when the transferor requests cancellation, both the recording reservation for division and the recording reservation for transfer are canceled, whereas when the transferee requests cancellation, the recording reservation for division is not canceled and Only the recording reservation is cancelled. In other words, when the transferee requests cancellation, the electronic record receivable recorded by the transferor as the creditor will be transferred under the transferor at the date specified as the date of the initial split record and transfer record. It will be divided without accompanying. Since the electronic bond recording institution manages the cancellation of reservations in this way, there is a need for improvement measures in the system of each financial institution connected to the electronic bond recording institution.

  Here, the basic processing related to the division and transfer of electronically recorded receivables will be roughly described.

  First, a method for managing the divided electronic record receivable will be described. Electronically recorded receivables are divided into two receivables: “original receivables” that are the receivables of the split and “child receivables” that are the receivables of the split. The original receivable and the child receivable are linked by a record number (described later). In addition, the amount obtained by subtracting the amount of the child receivable from the amount of the original receivable before the split is managed as the amount of the original receivable after the split.

  Next, the items recorded in the record book of the electronic bond recording organization will be described.

  When an electronically recorded bond is incurred (corresponding to a bill draft), the occurrence record is recorded in the record book. In the occurrence record, creditor information, debtor information, amount of receivable, payment date, settlement method, record number, etc. are recorded.

  When divided, the divided record is recorded in the record master book. In the split record of the original receivable, the record number of the child receivable is recorded and managed so that it can be linked to the child receivable. In addition, as the amount of the original receivable after the split, an amount obtained by subtracting the amount of the child receivable from the amount of the original receivable before the split is newly recorded. As a result of the division, an occurrence record, a division record, and a transfer record are created for the child loan. In the sub-divided record of the sub-credit, the record number of the sub-credit newly assigned and the record number of the original credit are recorded and managed so as to be linked with the original credit. Further, the amount of the sub-divided child receivable is recorded in the occurrence record as the amount of receivable.

  When requesting the transfer record, the transfer record is recorded in the record book. In the transfer record, information of the transferee is recorded.

  Finally, the contents disclosed when a request is made to disclose the record book of the electronic bond recording organization (hereinafter referred to as “disclosure request”) will be described. The contents of the record ledgers are disclosed to users (for example, creditors, debtors, guarantors, etc.) who use electronic bond recording institutions through the systems of each financial institution. In this disclosure, a case where a request for reservation of division and assignment records is made, and a request for disclosure is made before the date specified in the reservation request (hereinafter referred to as “designated date” or “record date”) is reached. . In this case, the amount before the designated date arrives is disclosed as the amount of the electronically recorded receivable. In other words, when a request for reservation of split and transfer records is made, the amount of the original receivables before the split (that is, the amount before subtracting the amount of the child receivables) is recorded until the actual recording is made on the designated date. Amount) is disclosed.

JP 2011-175571 A

  However, such a system has the following problems. This will be described with reference to FIG. For example, consider a debtor A, a creditor B, and an electronically recorded claim with a claim amount of 1 million yen. Assume that creditor B (also referred to as assigner B) makes a reservation request to divide 400,000 yen of this electronically recorded claim as a subordinated claim and assign it to assignee C. Then, it is assumed that the assignee C makes a cancellation request for the reservation request. Then, the divided recording reservation is not canceled, and only the transfer recording reservation is canceled. In this state, when the designated date specified at the time of the reservation request arrives, under the assignor B, the original loan of 600,000 yen and the child loan of 400,000 yen exist in a state of being divided. . However, before the designated date arrives, an electronic record receivable of 1 million yen will be disclosed as the original receivable when requesting disclosure (that is, there is no child receivable).

  Further, in this situation, it is assumed that the transferor B tries to make a reservation request for transferring 1 million yen to another transferee D before the designated date arrives. When the entire amount of the receivable is transferred in this way, the “amount” is not specified, but the “record number of the original receivable” is specified and a request for recording of the transfer is made. In Example 1, it is assumed that the transfer date to the transferee D (that is, the specified date specified at the time of this reservation request) is specified after the specified date specified at the time of the previous reservation request. Even if the transferor B intends to transfer the disclosed 1 million yen, when transferring to the transferee D, the electronic record receivable of the transferor B has already been divided. Therefore, the split original receivable 600,000 yen is transferred to the assignee D. In other words, only an amount less than the amount assumed by the transferor B is transferred. As an example 2, it is assumed that the transfer date to the assignee D is designated before the specified date specified in the previous reservation request. In this case, because the reservation for the split record remains in the original receivable (that is, there is another record reservation for which the designated date has not yet arrived on the transfer date to the transferee D), An error will be notified to you and you will not be able to request a reservation for the record of division and transfer.

  The second problem will be described with reference to FIG. For example, consider a debtor A, a creditor B, and an electronically recorded claim with a claim amount of 1 million yen. Assume that creditor B (also referred to as assignor B) makes a reservation request to divide 400,000 yen of this electronically recorded claim as a subordinated receivable and assign the subordinated receivable of 400,000 yen to assignee X. Also, it is assumed that a reservation request for transferring the remaining 600,000 yen of the original receivable to transferee Y is made. After that, it is assumed that the transferor B cancels the reservation request for the division and transfer to the transferee X. Then, both the recording reservation for division and the recording reservation for transfer to the assignee X are canceled. Even if the designated date specified at the time of the reservation request arrives in this state, the 1 million yen electronically recorded receivable will not be split, so the original receivable of 1 million yen will remain under transferor B Will be. Since the recording reservation for assignment to the assignee Y is specified only by the record number of the original receivable (without specifying the amount), when the designated date arrives, 1 million yen of the original receivable is transferred to the assignee Y End up. In other words, an amount larger than the amount assumed by the transferor B is transferred.

  In this way, when making a reservation request for transfer records with splits, the cancellation request from the transferee does not cancel the split record reservations, and furthermore, it is not possible to grasp the increase or decrease in the amount of electronic record receivables before the designated date. There arises a problem that the transferor cannot make a new recording reservation as desired (in the case of FIG. 1). On the other hand, the cancellation request from the assignor cancels the split and reservation of the transfer record, but if the reservation request for the transfer record related to the original receivable is separately made, the amount of the original receivable on the designated date will change, and the transfer There arises a problem that the transfer record of the amount desired by the person is not recorded (in the case of FIG. 2). When the user makes a reservation request for splitting and transferring, and when the reservation request is canceled, the status of the electronic record receivable, such as when and how much the electronic record receivable is, and A mechanism is required to prevent the recording reservation for the underlying loan from being affected even if the recording reservation for the child loan is cancelled.

  In order to solve the above-mentioned problems, a system for managing the division and transfer of electronic record receivables according to the present invention is a computer system comprising an electronic receivable recording institution and a network including an electronic record receivable claim receipt book and a record original book. And a receiving means for receiving from the client terminal a reservation request for the electronic record receivable split record and transfer record (including a reservation request for only the transfer record) and a request for canceling the reservation request. Sending means to send reservation request and cancellation request to electronic bond recording agency, notification that reservation request has been recorded in the bill acceptance book, notification that reservation request has been canceled, and split reserved by reservation request Receiving means for receiving a notification that the record and transfer record have been recorded in the record book and a notification that the record has not been recorded; And a divided transfer management database for storing a notification that the reservation request has been canceled, a notification that the reservation request has been canceled, a notification that the reservation request has been recorded, and a notification that the reservation request has not been recorded. And

FIG. 1 is a diagram for explaining problems of the current system. FIG. 2 is a diagram for explaining problems of the current system. FIG. 3 is an overall configuration diagram including an electronic bond recording organization cooperation system for carrying out the present invention. FIG. 4 shows data recorded in the divided transfer management database. FIG. 5 is a flowchart when the assignee requests cancellation. FIG. 6 is a flowchart when the assigner requests cancellation. FIG. 7 is a flowchart when the transferor requests a reservation after a cancellation request. FIG. 8 is a detailed view of the divided transfer management server.

  FIG. 3 shows an overall network configuration diagram including a system configuration diagram of the electronic bond recording institution cooperation system 301 for carrying out the present invention. An electronic bond recording institution linkage system 301 which is a system of each financial institution communicates with an electronic bond recording institution 302 via a network. The electronic bond recording organization 302 includes a record original book 302-10 and a bill acceptance book 302-20. In the record original book 302-10, as described above, the occurrence record, split record, transfer record, etc. of the electronic record receivable are recorded. In addition, reservation request and cancellation request data are recorded in the bill acceptance book 302-20, and the bill acceptance book 302-20 assigns the record number of the sub-divided child claims. That is, when the designated date designated in the reservation request arrives, the reservation request data recorded in the request acceptance book 302-20 is recorded in the record original book 302-10.

  Further, the electronic bond recording institution cooperation system 301 communicates with the assignor's terminal 303 and the assignee's terminal 304 via the network. The electronic bond recording institution cooperation system 301 includes a divided transfer management server 301-10, a result notification receiving unit 301-20, and a billing reception interface unit 301-30.

  In other words, a user who uses the electronic record receivable (transferer, assignee, etc.) records the record original book 302-10 in the electronic receivable recording institution 302 and the bill through the electronic receivable recording institution linkage system 301 of each financial institution. It communicates indirectly with the receptionist 302-20.

  The divided transfer management server 301-10, the result notification receiving unit 301-20, and the billing reception interface unit 301-30 included in the electronic bond recording institution cooperation system 301 will be described. Details of the divided transfer management server 301-10 will be described later.

  First, the billing reception interface unit 301-30 receives a split and transfer record reservation request (including a reservation request only for the transfer record) from the transferor terminal 303. Further, the billing reception interface unit 301-30 transmits the received reservation request to the electronic bond recording organization 302. In addition, the bill reception interface unit 301-30 transmits the received reservation request to the divided transfer management server 301-10.

  Next, the result notification receiving unit 301-20 receives a request for reservation of division and transfer records (including a reservation request for only transfer records) from the electronic bond recording organization 302 in the claim acceptance list 302-20 of the electronic bond recording organization 302. Recorded notification (hereinafter referred to as reservation establishment notification), reserved division and transfer records (including reservation requests for transfer records only) as a result notification, and result of reservation cancellation request Receive notifications. In the result notification of whether or not the reserved division and transfer records (including reservation requests only for transfer records) have been recorded on the designated date, the division and assignment records reserved in the record book 302-10 on the designated date ( A notification that includes only transfer records) (hereinafter referred to as a record establishment notification) and a notification that is not recorded for some reason (hereinafter referred to as a record failure notification). The notification of the result of the cancellation request for the reservation includes a notification that the reservation has been canceled by the electronic bond recording organization 302 (that is, a notification that the reservation recorded in the claim acceptance book 302-20 has been canceled. ) Is included.

  Here, reservation cancellation request data will be described. First, consider the case where the financial institution used by the transferor is the same as the financial institution used by the transferee. The data for requesting cancellation of the reservation is transmitted from the transferor terminal or the transferee terminal to the electronic bond recording institution linkage system of the financial institution. The electronic bond recording institution linkage system transmits the received cancellation request data to the electronic bond recording institution.

  Second, when the financial institution used by the transferor is different from the financial institution used by the transferee (that is, the transferor terminal 303 is connected to the electronic bond recording institution linkage system 301 and the transferee Consider a case where a terminal (not shown) is connected to an electronic bond recording organization linkage system (not shown) of another financial institution). The data for requesting cancellation of the reservation by the transferor is transmitted from the transferor terminal to the electronic bond recording institution via the electronic bond recording institution linkage system of the transferor's financial institution. Further, the data for requesting cancellation of the reservation by the transferee is transmitted from the transferee terminal to the electronic bond recording institution via the electronic bond recording institution linkage system of the transferee's financial institution.

  In both the first case and the second case, the electronic bond recording organization 302 recorded the received cancellation request data in the claim acceptance list 302-20. Cancel a reservation. The electronic bond recording institution 302 transmits a result notification of cancellation request based on the cancellation of the reservation (reservation cancellation notice) to the result notification receiving unit 301-20 of the electronic bond recording institution cooperation system 301. In other words, the electronic bond recording institution linkage system 301 uses the same financial institution as the transferor for the notification of the result of the cancellation request made by the transferor and the notification of the result of the cancellation request made by the transferee. Regardless of whether it is received, it can be received via the electronic bond recording organization 302.

  The result notification receiving unit 301-20 transmits the received “reservation establishment notification”, “record establishment notification”, “record failure notification”, and “reservation cancellation notification” to the divided transfer management server 301-10.

  Next, the divided transfer management server 301-10 is a server that manages the division and transfer of the electronically recorded bond in the electronic bond recording institution cooperation system 301. The divided transfer management server 301-10 includes a divided transfer management database 301-11, a credit amount processing unit 301-12, a billing generation unit 301-13, and an alarm notification unit 301-14.

  The divided transfer management database 301-11 is a database related to the division and transfer of electronic record receivables. The division transfer management server 301-10 receives the data of the split and transfer record reservation request (including the reservation request only for the transfer record) sent to the electronic bond recording organization 302 from the claim reception interface unit 301-30. Then, the data of the reservation establishment notification and the reservation cancellation notification are received from the result notification receiving unit 301-20. After the reception, the divided transfer management database 301-11 updates the database based on the received reservation request data, reservation establishment notification and reservation cancellation notification data. That is, data at the time of accepting each request (that is, before recording is performed in the recording original book 302-10) is created. Further, the divided transfer management server 301-10 receives the record establishment notification and the record failure notification from the result notification reception unit 301-20 on the designated date designated by the reservation request. After the reception, the divided transfer management database 301-11 updates the database based on the received record establishment notification and record failure notification data. That is, data when each billing process is completed (that is, after recording is performed or not performed in the recording original book 302-10) is created. Therefore, the electronic bond recording institution linkage system 301 can manage not only the current amount of electronic record receivables but also the scheduled amount of electronic record receivables (original receivables) for each future date.

  FIG. 4 shows data recorded in the divided transfer management database 301-11. The divided transfer management database 301-11 includes "data for reservation request for division and transfer records (including reservation request for transfer records only)", "data obtained from reservation establishment notification and reservation cancellation notification", and "divided transfer management data". Data obtained when the electronic bond recording institution 301 makes a disclosure request to the record base book 302-10 of the electronic bond recording institution 302 via the claim acceptance interface unit 301-30 at the time of recording in the management database 301-11 " And “data acquired from a record establishment notification and a record failure notification”.

  First, billing and notification data will be described. First, a reservation request transmitted from the transferor terminal 303 to the electronic bond recording institution 302 and the divided transfer management server 301-10 via the charge reception interface unit 301-30 will be described. The data of the reservation request includes the record number of the subject original receivable, the amount of the child receivable, the designated date on which the division and transfer record is scheduled to be performed, the transferor information, the transferee information, and the like.

  Second, the reservation establishment notification and reservation cancellation notification transmitted from the electronic bond recording organization 302 to the divided transfer management server 301-10 via the result notification receiving unit 301-20 will be described. The reservation notification data is designated to be divided and transferred (including only transfer records) and divided and transferred (including only transferred) records recorded in the billing acceptance list 302-20. The date (recording date), information for identifying the reservation request (record number of the original loan, record number of the child loan, amount, etc.) are included. On the other hand, reservation cancellation notification data includes information (such as the record number of the original loan, the record number of the child loan, and the amount) identifying the reservation request that was canceled, and the transferor or transferee who canceled the reservation. Information (such as a notification information number received from an electronic bond recording organization), a notification reception date, and the like.

  Third, a record establishment notification and a record failure notification transmitted from the electronic bond recording organization 302 to the divisional transfer management server 301-10 via the result notification reception unit 301-20 will be described. The record establishment notification data includes the date (established date) when the divisional record and transfer record (including only the transfer record) and the division and transfer record (including only the transfer record) recorded in the original record book 302-10 are performed. ) Etc. are included. The record failure notification data includes information for identifying a reservation request that has not been recorded (record number of original bond, record number of child loan, amount, etc.), notification reception date, and the like.

  For the data in the divided transfer management database 301-11, a reservation request date, a split and transfer record (including only transfer records) are made for each reservation request for split and transfer records (including reservation requests only for transfer records). Scheduled designated date (recording date), information on underlying receivables, information on child receivables, date on which split and transfer records (including transfer records only) were made (date of establishment), date on which record reservation was canceled ( Cancellation date), cancelers (transferers or assignees), etc.

  The information on the underlying claims includes the record number of the underlying claims, the transferor information, the amount of the underlying claims before the split, the amount of the underlying claims after the split.

  First, the amount of the underlying receivable before the split will be explained. When the request for splitting and transfer record reservation is made for a certain amount of original receivable for the first time, the electronic receivables recording institution cooperation system 301 receives the claim acceptance interface unit 301-30. The amount of receivable obtained by requesting disclosure in the record book 302-10 of the electronic receivable recording institution 302 is set. In other words, when the split transfer management server 301-10 receives from the claim acceptance interface unit 301-30 the data of the first reservation request for the underlying loan and records it in the split transfer management database 301-11, the split transfer management database 301-11. The amount of the original loan in the record original book 302-10 of the electronic bond recording organization 302 at the time of recording in -11 is set as the amount of the original loan before the split.

  Next, the amount of the underlying loan after the split will be described. The amount of the original receivable after the split is set to the amount obtained by subtracting the amount of the child receivable from the amount of the original receivable before the split.

  When the second and subsequent split and transfer records or the reservation request for the transfer record of the original receivable is requested, the amount data of receivable held by the split transfer management server 301-10 is set. In other words, the amount after the split in the data for the first split and transfer record reservation request is the amount before the split in the data for the second split and transfer record or reservation request for the transfer record of the original receivable set. For one original receivable, the amount is managed in the order of recording dates specified in the reservation request set in the split transfer management database 301-11.

  Further, the information on the child receivable includes the child receivable record number, the assignee information, the amount of the child receivable, and the like. The child loan record number is not included in the reservation request data, but is set based on the reservation establishment notification data.

  In the split transfer management server 301-10, a reservation request for a split and transfer record (or a reservation request for a split and transfer record prior to this reservation request and a designated recording date has not yet arrived) Consider a case in which data of a reservation request for transfer record of an original bond whose data is recorded in the divided transfer management database 301-11 is received. In this case, after receiving the reservation request data, “Billing” is set as the received data status in the divided transfer management database 301-11 (the charge acceptance list 302- 20 status that the reception result is indeterminate), designated date (recording date) on which the split and transfer record will be performed, the amount of the original receivable (before the split), the amount of the original receivable (after the split), The assignee of the child loan and the amount of the child loan are set. In the case of a reservation request for the transfer record of the original receivable, information on the child receivable is not set, it is a reservation request for the transfer record of the original receivable, and the recording date on which this new transfer record is scheduled to be performed Planned transfer amount in (Considering that the previous reservation request has already been split on the recording date of the new transfer record, and the receivable has been split. In this case, the reservation request has been made first. (Scheduled amount of original receivables after split by splitting record) is set.

  In addition, when the reservation transfer notification is received in the split transfer management server 301-10, the information in the split transfer management database 301-11 is updated, and the record number of the child loan is newly set.

  In addition, when the reservation transfer notification is received in the divided transfer management server 301-10, the received data status of the divided transfer management database 301-11 becomes "reservation canceled", and the target reservation request has not been established. Be recognized. That is, when the reservation cancellation notice is received in the divided transfer management server 301-10, the above information in the divided transfer management database 301-11 (the transferor makes a reservation request for split and transfer records (including a reservation request for transfer records only). ) Is updated, and the received data status is set to “reservation canceled”.

  In addition, when the split transfer management server 301-10 receives the record establishment notification, the date (established date) on which the split and transfer records were performed is set, and the amount of the original receivable (before the split) and the amount of the original receivable (After division) is recorded. When the division transfer management server 301-10 receives a record failure notification, the received data status becomes “record failure” and the target reservation request is canceled.

  Here, the management of the amount of the original receivable when the transferor makes a request for cancellation of the reservation will be described. “Amount of underlying receivable (after split)” and “scheduled transfer amount (update)” are updated to the amount of the original receivable before the split only when the transferor requests cancellation of the split and transfer record reservation. This is because when the transferor makes a request for cancellation of the reservation, not only the transfer record but also the reservation for the divisional record is canceled, and the reservation for the divisional record is canceled, so that "the amount of the original receivable" "scheduled transfer" This is because the “amount” is changed. On the other hand, when the assignee requests cancellation of the reservation, only the reservation of the transfer record is canceled and the reservation of the divided record is not canceled. Therefore, the amount of the original receivable is not updated.

  Specifically, upon receiving the reservation cancellation notification, the divided transfer management server 301-10 sets the received data status to “reservation cancellation”, and information for identifying whether the cancellation is the transferor or the transferee (electronic bond) Based on the notification information number received from the recording organization, etc.), it is determined whether the transferor has requested cancellation. If the transferor determines that the cancellation request has been made, after canceling the target reservation request, the “amount of original receivables (after split)” in the canceled reservation request data is used as the amount of the original receivable before the split. Update. In addition, when a request for reservation of another transfer is made for the same underlying receivable, the “scheduled transfer amount (update)” in the reservation request data is updated to the amount of the original receivable before the split. That is, the amount before the split in the canceled reservation request is set as the “scheduled transfer amount (update)” of the original receivable. It also manages the update status of the “scheduled transfer amount” of the underlying loan.

  By holding such a database, the electronic bond recording organization linkage system 301 cancels the reservation of the assignment of the child receivables at the time of making the reservation of the split of the original receivables and the transfer (including the reservation of only the transfer record). It becomes possible to manage the planned transfer amount of the original receivable at the scheduled recording date and to grasp the change of the planned transfer amount.

  FIG. 5 is a flowchart showing the flow of processing when the transferee requests cancellation. That is, the transferee requests cancellation of the reservation after the transferor requests the reservation of the division and transfer record. As a premise, in this cancellation request, only the reservation for the transfer record is canceled in the request reception list 302-20, and the reservation for the divisional record is not canceled.

  In step 501, the assignee requests cancellation of the reservation. That is, the cancellation request data is transferred from the transferee terminal to the electronic bond recording institution 302 via the electronic bond recording organization linkage system of the financial institution used by the transferee (shown only in the case of the same financial institution as the transferee). Sent. When the electronic bond recording organization 302 receives the cancellation request data, it updates the claim acceptance list 302-20.

  In step 502, only the reservation for the transfer record in the claim acceptance list 302-20 is canceled (the reservation for the division record in the claim acceptance list 302-20 is not canceled). Thereafter, a notification that the reservation of the transfer record has been canceled (reservation cancellation notification) is transmitted from the electronic bond recording institution 302 to the electronic bond recording institution cooperation system 301. Based on this reservation cancellation notification, as described above, the data in the divided transfer management database 301-11 is updated.

  In step 503, consider a case where the assignor tries to make a new request for reservation of the split and assignment record (or record of assignment only) for the above-mentioned original receivable for which the assignee has requested the cancellation of the reservation ( As described above, recording is not established unless the recording date is specified after the specified date specified in the canceled reservation request). In this case, if the transferor specifies after the specified date specified in the canceled reservation request, the transfer and split records (or transfer) within the range of the amount of the original receivable after the split and the amount of the child receivable A system capable of processing the reservation request for the recording of the only recording) before the designated date of the reservation of the remaining divided recording.

  In step 503, before the designated date specified at the time of the canceled reservation request has passed, the transferee designates the amount of money the transferor wishes to newly transfer for the underlying receivable for which the transferee requested the cancellation of the reservation. Establish a mechanism for reserving division and transfer records (or transfer-only records). That is, the bond amount processing unit 301-12 in the electronic bond recording institution cooperation system 301 calculates a scheduled balance on a designated date for a new reservation request based on the divided transfer management database 301-11. Specifically, when the electronic record receivable is divided on the designated date, the total amount of the amounts of the plurality of electronic record receivables after the division becomes the scheduled balance. If the electronic record receivable is not divided on the designated date, the amount of the electronic record receivable becomes the scheduled balance. This calculated scheduled balance is transmitted from the electronic bond recording institution cooperation system 301 to the transferee terminal 303. The planned balance can indicate the amount of receivables on a specified date for each of one or more electronically recorded receivables, or can indicate the total amount of receivables of a plurality of electronically recorded receivables. . Details will be described with reference to FIG.

  In step 504, an alert notifying that the electronic record receivable is divided is transmitted from the alarm notification unit 301-14 of the electronic bond recording institution cooperation system 301 to the transferee terminal 303. This alert may be a notification by display on a reservation request screen or a notification by e-mail. Further, the alert may be notified at the time of a new reservation request, may be notified at the time of cancellation request by the assignee, or may be notified after division of the electronic record receivable.

  In step 505, it is assumed that the transferor recognizes that the job is to be divided and approves the processing from the state after the division. In this case, data in response to the alert in step 504 is transmitted from the assignor terminal 303 to the electronic bond recording institution cooperation system 301.

  In step 506, the electronically recorded receivable is divided on the designated date of the new reservation request, and the transfer amount designated in the new reservation request is within the total amount of the original receivables or the subordinated receivables, and each receivable Consider a case where the amount exceeds the amount (that is, a case where transfer or division and transfer of a plurality of electronic record receivables cannot be handled by transfer or split and transfer of any one electronic record receivable). In this case, the transfer or splitting of the subordinated receivables and the data so that the total amount of the subordinated claims and the subordinated subordinated claims will be the transfer amount specified in the new reservation request. Create transfer reservation request data. Specifically, the bond amount processing unit 301-12 in the electronic bond recording institution cooperation system 301 calculates the amount specified by this reservation request based on the data of the divided transfer management database 301-11. The receivable amount processing unit 301-12 calculates so that the difference between the amount to be transferred in the new reservation request and the amount of the original receivable on the specified date becomes the amount specified in the automatic reservation request. The billing generation unit 301-13 in the electronic bond recording institution cooperation system 301 creates reservation billing data using the calculated amount. In other words, the bill generation unit 301-13 obtains the credit of the original claim (after the split) from the “request data for the transfer of the original claim (after the split)” and the amount to be transferred in the new reservation request. “Data for transfer or split of sub-loans and reservation request for transfer” of the amount minus the amount is created.

  In step 507, after the divided recording that was not canceled in step 502 is performed, the reservation request data generated by the bill generation unit 301-13 is transmitted from the electronic bond recording institution linkage system 301 to the electronic bond recording institution 302. The

  In step 508, when the recording date designated in the new reservation request in step 503 arrives, the newly requested assignment or division and assignment are recorded in the record original book 302-10. At this time, as described above, since the recording reservation for the division has not been canceled in step 502, the division has already been performed (before the recording date of the new reservation request), and the electronically recorded receivable is divided into the original receivable and the child receivable. ing. Furthermore, since the transfer amount specified in the new reservation request in step 503 exceeds the amount of the original or child receivable, a plurality of transfer records are performed so that the amount specified by the transferor is transferred. . In such cases (that is, when the designated transfer amount exceeds the amount of the original receivable or the child receivable), the total amount of the receivable is set to be the same as the specified transfer amount. Electronically recorded receivables will be transferred or split and transferred. For example, assume that a transferor tries to transfer 1 million yen. If one electronic record receivable is 1 million yen or more, it is transferred or divided and transferred. However, if the split results in two receivables of 400,000 yen original receivables and 600,000 yen child receivables, the 400,000 yen original receivables and 600,000 yen child receivables (that is, two electronically recorded receivables) Will be transferred. Therefore, one transfer record is normally recorded in the record original book 302-10. In such a case, two transfer records are recorded in the record original book 302-10.

  FIG. 6 is a flowchart showing the flow of processing when the transferor requests cancellation. That is, the transferor requests cancellation of the reservation after the transferor requests the reservation of the division and transfer record. As a premise, in this cancellation request, both the reservation for divisional recording and the reservation for transfer recording are canceled in the request reception list 302-20.

  In step 601, the transferor requests cancellation of the reservation. That is, the cancellation request data is transmitted from the assignor terminal 303 to the electronic bond recording institution 302 via the claim acceptance interface unit 301-30 in the electronic bond recording institution cooperation system 301. When the electronic bond recording organization 302 receives the cancellation request data, it updates the claim acceptance list 302-20.

  In step 602, both the split record and transfer record reservations in the bill acceptance book 302-20 are canceled. Thereafter, a notification that the reservations for both the divided record and the transfer record have been canceled (reservation cancellation notification) is transmitted from the electronic bond recording institution 302 to the electronic bond recording institution linkage system 301. Based on the reservation cancellation notification, the divided transfer management database 301-11 is updated as described above.

  In step 603, after the cancellation of the division and transfer record canceled in step 602 (and before the cancellation of the reservation in step 602), the original loan after the reservation ("record number of the original bond") Suppose a reservation for a transfer record has already been requested. That is, it is determined whether or not the data relating to the electronically recorded receivable (original receivable) subject to the division and transfer record requested for cancellation has already been stored in the divided transfer management database 301-11. The electronic bond recording institution linkage system 301 identifies the target electronic record receivable from the reservation cancellation notice data, and another transfer record reservation data related to the original receivable of this electronic record receivable is divided and transferred and managed database 301-11. It is determined whether or not it is stored in. Further, the electronic bond recording institution cooperation system 301 determines whether or not another transfer record reservation is requested by designating “record number of original bond”.

  If there is a reservation for another transfer record, the reservation is canceled automatically in the electronic bond recording institution linkage system 301 and the reservation is canceled and the transfer amount is reviewed. That is, the electronic bond recording institution cooperation system 301 creates data for requesting cancellation of another transfer record reservation, and transmits the data to the electronic bond recording institution 302. Further, the bond amount processing unit 301-12 in the electronic bond recording institution cooperation system 301 calculates the amount designated by this re-reservation request based on the data of the divided transfer management database 301-11. Specifically, the electronically recorded receivable is no longer divided even on the specified date due to the cancellation request made in step 602, and the amount of the original receivable in the reservation of another assignment record is (to be divided and transferred) ) There is a possibility that it has been increased by the amount of child receivables (because if the entire amount of receivables was transferred in another transfer record reservation, specify the record number of the original receivable) Because the transfer request is made and the amount cannot be specified.) Therefore, unless the reservation request is canceled, the amount of the original receivable designated in the reservation request for another transfer record will be the amount of the increased original receivable. Therefore, after canceling the reservation request, the amount reduced by the amount of the child receivable (which was scheduled to be split and transferred) from the increased amount of the underlying receivable becomes the amount specified in the re-reservation request. As described above, the bond amount processing unit 301-12 calculates. The bill generation unit 301-13 in the electronic bond recording institution cooperation system 301 creates re-reservation request data using the calculated amount. The created re-reservation request data is transmitted from the electronic bond recording institution cooperation system 301 to the electronic bond recording institution 302.

  In step 604, when the re-reservation of the division and transfer record is established (that is, when the re-reservation request data is received by the electronic bond recording institution 302 and recording is performed on the specified date in the record original book 302-10). Then, the record establishment notification data is transmitted from the electronic bond recording organization 302 to the divided transfer management server 301-10 via the result notification reception unit 301-20. Thereafter, when the record assignment notification data is received by the divided transfer management server 301-10, the divided transfer management database 301-11 is updated as described above.

  FIG. 7 is a flowchart showing the flow of processing when a transferor newly makes a reservation request for division and transfer records (or transfer-only records) (note that, as described above, the transferor performs division and transfer). If the transferor newly requests a split / transfer record (or transfer-only record) after canceling the reservation for the record, the recording date will be after the designated date specified in the canceled reservation request. As specified). In step 701, the transferor initiates a reservation request for a split and transfer record (or transfer-only record). That is, the reservation request data is transmitted from the assignor terminal 303 to the request reception interface unit 301-30 in the electronic bond recording institution cooperation system 301.

  In step 702, the electronic bond recording institution cooperation system 301 has already stored the data related to the electronic record receivable subject to the division and transfer record (or transfer only record) requested in step 701 in the split transfer management database 301-11. Determine whether it is stored. That is, the electronic bond recording institution linkage system 301 identifies the target electronic record bond from the claimed data, and another record reservation data related to this electronic record bond is stored in the divided transfer management database 301-11. Determine whether or not. If stored, the process proceeds to step 703-10. If not, the process proceeds to step 703-20.

  In step 703-10, the scheduled balance on the reserved designated date is displayed on the assignor terminal 303. That is, first, the credit amount processing unit 301-12 in the electronic bond recording institution cooperation system 301 calculates a scheduled balance on a specified date based on the divided transfer management database 301-11. Specifically, when the electronic record receivable is divided on the designated date, the total amount of the amounts of the plurality of electronic record receivables after the division becomes the scheduled balance. This calculated scheduled balance is transmitted from the electronic bond recording institution cooperation system 301 to the transferee terminal 303. In addition, when the electronically recorded receivable is not yet divided on the designated date, the amount of the electronically recorded receivable becomes the scheduled balance. This calculated scheduled balance is transmitted from the electronic bond recording institution cooperation system 301 to the transferee terminal 303. The planned balance may indicate the amount of receivables at the specified date for each of one or more electronically recorded receivables, or may indicate the total amount of receivables of a plurality of electronically recorded receivables. it can.

  In step 703-11, the transferor can make a reservation request after confirming the scheduled balance on the designated date. The amount specified in the reservation request in step 703-11 may be different from the amount specified in the request in step 701, or may be the same amount. In this reservation request, if the designated transfer amount is the same as the planned balance of the original claim on the recording date specified in the reservation, the electronic claim recording organization linkage system 301 will divide the original claim without dividing the original claim. Is determined to be processed as a reservation to be transferred. On the other hand, in this reservation request, if the designated transfer amount exceeds the claim amount of the underlying receivable or the subordinate receivable that has already been split from the original receivable subject to the reservation request, the amount specified by the transferor As described above, a plurality of transfer records of the transfer of the original receivable and the transfer of the child receivable (including the case where the child receivable is further divided and transferred) are performed.

  In step 703-12, the conditions of the divided transfer management database 301-11 are confirmed. Specifically, based on the received reservation request data, the electronic bond recording institution linkage system 301 determines that the amount of receivables to be divided and transferred (or transferred only) is the recording date of the previous date (the record specified in the reservation). Judgment of whether or not it is within the planned balance of the original credit of

  If the condition is satisfied in this condition confirmation (that is, the designated transfer amount is less than or equal to the planned balance of the original receivable on the recording date of the previous date), the reservation request data is stored in the request reception interface unit 301- 30 to the electronic bond recording organization 302.

  At this time, if the electronically recorded receivable is split on the specified date of the new reservation request, and the transfer amount specified in the new reservation request exceeds the amount of the original or subordinated claims after the split (that is, , When multiple transfers are made). In this case, the transfer or splitting of the subordinated receivables and the data so that the total amount of the subordinated claims and the subordinated subordinated claims will be the transfer amount specified in the new reservation request. Transfer reservation request data is automatically created. Specifically, the bond amount processing unit 301-12 in the electronic bond recording institution cooperation system 301 calculates the amount specified by this reservation request based on the data of the divided transfer management database 301-11. Specifically, it is automatically made so that the difference between the transfer amount specified in the new reservation request and the credit amount on the specified date of the original receivable becomes the amount specified in the automatic reservation request. The amount specified in the reservation request is calculated by the credit amount processing unit 301-12. The billing generation unit 301-13 in the electronic bond recording institution cooperation system 301 creates reservation billing data using the calculated amount. In other words, the bill generation unit 301-13 obtains the credit of the original claim (after the split) from the “request data for the transfer of the original claim (after the split)” and the amount to be transferred in the new reservation request. “Sub-loan transfer or sub-loan split and transfer reservation request data” is created by subtracting the amount. The automatically created reservation request data is divided and recorded, and then transmitted from the electronic bond recording institution linkage system 301 to the electronic bond recording institution 302. As will be described below, the divided transfer management database 301-11 is updated based on the automatically created reservation request data.

  If this condition check does not satisfy the conditions (that is, the specified amount of receivables is the planned balance of the original receivable on the date of the previous date, and if there are subordinated receivables divided from the original receivable, the original receivable and the subordinated receivable Error notification is transmitted from the electronic bond recording institution cooperation system 301 to the transferor terminal 303. This error notification may be notification by display on a reservation request screen or may be notification by e-mail.

  If not stored in step 702, a reservation request is accepted in step 703-20. That is, the reservation request data is transmitted from the claim acceptance interface unit 301-30 to the electronic bond recording institution 302 and the divided transfer management server 301-10.

  Next, whether via 703-10 or 703-20, the electronic bond recording institution 302 transmits the reservation establishment notification to the electronic bond recording institution cooperation system 301 after receiving the reservation request data. . When the reservation request data and reservation establishment notification data are received by the divided transfer management server 301-10 in the electronic bond recording institution cooperation system 301, the divided transfer management database 301-11 is updated as described above. Further, when the reservation for the division and transfer record (or transfer-only record) is established (that is, when recording is performed on the specified date in the record book 302-10 in the electronic bond recording organization 302), the electronic bond recording organization 302 Transmits a record establishment notification to the electronic bond recording institution cooperation system 301. When the record assignment notification data is received by the divided transfer management server 301-10 in the electronic bond recording institution cooperation system 301, the divided transfer management database 301-11 is updated as described above.

  In the update of the divided transfer management database 301-11 based on the record establishment notification data, when a plurality of bonds are transferred in step 703-11, a plurality of transfer records are recorded. Specifically, the transfer record reserved in the automatically created “request for transfer of the original receivable (after split)” and the amount to be transferred in the new reservation request (after the split) The sub-credit transfer record or split and transfer record of the sub-reserve reserved in the sub-request for sub-transfer of sub-receivables or split and sub-assignment of sub-assignments of the sub-receivable of the original re- Are recorded in the original record book 302-10. After the recording, the electronic bond recording institution 302 transmits a record establishment notification of these transfer records to the electronic bond recording institution cooperation system 301. The divided transfer management server 301-10 of the electronic bond recording institution cooperation system 301 updates the divided transfer management database 301-11 after receiving the plurality of record establishment notifications. At this time, a plurality of transfer records are recorded in the divided transfer management database 301-11.

  FIG. 8 is a detailed diagram of the divided transfer management server 301-10. As described with reference to FIG. 3, the divided transfer management server 301-10 includes a divided transfer management database 301-11, a credit amount processing unit 301-12, a bill generation unit 301-13, and an alarm notification unit 301-14. Further, the divided transfer management server 301-10 includes a control unit such as a CPU, a main storage unit and an auxiliary storage unit, an input unit, an output unit, and a network interface. The control unit performs various processes executed in the divided transfer management server 301-10. The main storage unit is also called a main memory, and stores various received data, programs, data after arithmetic processing by the programs, and the like. The auxiliary storage unit is a storage device represented by a hard disk (HDD). The input unit receives various inputs to the split transfer management server 301-10, and the output unit performs various outputs performed by the split transfer management server 301-10 via a device such as a display or a printer. The network interface exchanges with external devices.

  As described above, when the assignee requests cancellation due to the implementation of the system and method of the present invention, when the assignor requests a new division and reservation for assignment records, It is possible to automatically make a reservation to ascertain the amount of the electronically recorded receivable and to compensate for the amount deducted from the amount of the original receivable due to the uncancelled split. In addition, when the transferor makes a cancellation request, it is possible to automatically make a re-reservation in which a change is made to a reservation request for another division and transfer record.

301 Electronic Receiving Record Organization Cooperation System 301-10 Divided Assignment Management Server 301-11 Divided Assignment Management Database 301-12 Receivable Amount Processing Unit 301-13 Claim Generating Unit 301-14 Alarm Notifying Unit 301-20 Result Notification Receiving Unit 301-30 Claim acceptance interface 302 Electronic bond recording organization 302-10 Record original book 302-20 Claim acceptance book 303 Assignee terminal 304 Assignee terminal

Claims (7)

A computer system for managing the division and transfer of electronic records claims, wherein the computer system is connected with the electronic creditor recording engine and network including a billing acceptance directories and the original records of the electronic recording claims, wherein the electronic records The receivable has been subject to a first booking request that will result in a portion of the receivable amount being split and transferred to the assignee ,
Means for receiving an instruction to cancel the first reservation request from the assignee terminal, wherein the reservation for the assignment on the claim acceptance book is canceled in response to receiving the instruction When,
When it is detected that the designated date included in the first reservation request has not arrived in response to receiving from the assigner terminal at least a second reservation request for transferring the electronic record receivable A means for notifying the transferee terminal of information on the electronically recorded receivable at the specified date, and determining a receivable amount of the electronically recorded receivable at the specified date included in the first reservation request. , Means for creating a third reservation request based on the information on the determined amount of receivable
Computer system, comprising the. The information on the electronic record receivable includes a message indicating that the electronic record receivable is divided based on the first reservation request when the designated date arrives, and one or more electronic information related to the electronic record receivable The computer system according to claim 1, comprising a claim amount of a recorded claim. A computer system for managing the division and transfer of electronic record receivables, wherein the computer system is connected to an electronic receivable recording institution including a claim acceptance book and a record original record of the electronic record receivables through a network. The receivable has been subject to a first booking request that will result in a portion of the receivable amount being split and transferred to the assignee,
A means for receiving an instruction to cancel the first reservation request from the assignor terminal, wherein the reservation for the division and transfer on the claim acceptance book is canceled in response to receiving the instruction. , Means,
Means for determining whether said computer system stores a second reservation request for at least transfer of said electronic record receivable;
In response to the determination that the second reservation request is stored, the amount of the electronic record receivable as of the specified date included in the first reservation request is determined, and the determined receivable Means for updating the second reservation request based on information on the amount;
A computer system comprising: A computer-implemented method for managing the split and transfer of electronic record receivables,
The computer is connected to an electronic bond recording institution including a claim acceptance record and a record ledger of the electronic record receivable through a network, and the electronic record receivable is partly divided and assigned to a transferee. The first reservation request will be made,
The method
Receiving a command to cancel the first reservation request from the assignee terminal, and in response to receiving the command, the reservation for the transfer on the claim acceptance book is canceled; When,
When it is detected that the designated date included in the first reservation request has not arrived in response to receiving from the assigner terminal at least a second reservation request for transferring the electronic record receivable , Notifying the transferor terminal of information on the electronically recorded receivable at the specified date, and determining the receivable amount of the electronically recorded receivable at the specified date included in the first reservation request. And generating a third reservation request based on the determined amount of receivable information. The information on the electronic record receivable includes a message indicating that the electronic record receivable is divided based on the first reservation request when the designated date arrives, and one or more electronic information related to the electronic record receivable 5. A method according to claim 4 , characterized in that it includes the amount of a record receivable. A computer-implemented method for managing the split and transfer of electronic record receivables,
The computer is connected to an electronic bond recording institution including a claim acceptance record and a record ledger of the electronic record receivable through a network, and the electronic record receivable is partly divided and assigned to a transferee. The first reservation request will be made,
The method
Receiving a command to cancel the first reservation request from the assignor terminal, and in response to receiving the command, the reservation for the division and transfer on the claim acceptance book is cancelled. , That,
Determining whether the computer stores a second reservation request relating to at least the transfer of the electronic record receivable;
In response to the determination that the second reservation request is stored, the amount of the electronic record receivable as of the specified date included in the first reservation request is determined, and the determined receivable Updating the second reservation request based on monetary information. A computer that records a program for causing a computer connected to an electronic bond recording institution including an electronic record receivable claim receipt and a record ledger to execute the method according to any one of claims 4 to 6. A readable recording medium.

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