JP5936643B2 - Electronic record receivable extreme credit management system - Google Patents

Description

  The present invention relates to an electronic record receivable extreme credit management system and an electronic record receivable extreme credit management method capable of executing credit within a maximum amount using an electronic record receivable.

  In June 2007, the Electronic Record Loan Act was enacted and promulgated, and was enforced in December 2008. In February 2013, “Densai Net (Zengin Electronic Credit Network)”, an all-bank participation-type electronic credit recording organization that was fully funded by JBA, Use is progressing, and transaction security and securitization of receivables are promoted. Electronically recorded receivables are generated by requesting the record of occurrence of electronically recorded receivables by designating settlement account information possessed by the creditor and the debtor. When an occurrence record request is made, a record is added to a record book of a system provided by an electronic bond recording organization (hereinafter referred to as an “electronic bond recording organization system”), thereby generating an electronic record bond.

JP 2009-110125 A

  By the way, the electronic bond recording institution system has a mechanism to record the occurrence and transfer of electronic record receivables, but as with conventional bill loans, electronic record receivables in which borrowing customers are debtors and financial institutions are creditors. There is no mechanism for executing and managing credits based on the electronically recorded receivables by recording the occurrence. For example, the maximum credit amount is set for each customer, and the electronically recorded receivables with the customer as the debtor and the financial institution as the creditor are generated and recorded within the limits, and the financial institution executes the credit based on this record. There is no function to perform such control. That is, according to the specifications of the current electronic bond recording institution system, it is impossible to manage the credit using the electronic record bond (hereinafter referred to as “electronic record loan loan”) and its extreme amount as described above.

  In Patent Document 1, in order to register an electronic record receivable in the recording institution system, a receivable description accepting unit that accepts receivable detail data of the electronic record receivable from an input terminal, and an extreme set for each debtor of the electronic record receivable An extreme amount storage means for storing an amount, and a credit amount range specified by the extreme amount stored in the extreme amount storage means for the debtor of the electronically recorded receivable specified by the claim amount data A credit limit judging means for judging whether the credit limit is within the credit limit range by the credit limit judging means and transferring it to the recording institution system for registration as an electronically recorded claim There is disclosed an inter-account settlement processing apparatus comprising a credit statement delivery means. In the inter-account settlement processing apparatus, since the recording organization system records occurrences only for electronic record receivables within the credit limit range set for the debtor, the settlement accepted from the recording organization system For settlement based on the detailed data, it will be guaranteed that it is within the range of credit, and by performing the deposit process before debiting the settlement amount, the creditor will be substantially credited to the settlement amount. Guarantees what is to be done.

  However, the inter-account settlement processing device described in Patent Document 1 generates an electronically-recorded receivable whose creditor is a financial institution, and uses the electronically-recorded receivable to make a credit within a preset maximum amount. It's not something to do.

  The present invention has been made in view of such a problem. A credit limit is set for a user of an electronic record loan, and the desired credit amount is combined with an existing credit amount in each case. Electronic record receivables loan by requesting the record of occurrence of electronic record receivables with the user designated as the debtor and the financial institution as the creditor based on the determination It is an object of the present invention to provide an electronic record receivable extreme credit management method and an electronic record receivable extreme credit management system capable of executing

  In order to solve the above-mentioned problems, an electronic record receivable maximum credit management system according to the present invention is a computer system for executing credit using electronic record receivables, and is a credit maximum amount determined for each user. An extreme credit management data storage unit that manages loan, a loan request data reception unit that receives loan request data including a loan request amount, and an extreme credit management data record from the extreme credit management data storage unit based on the loan request data A credit management data acquisition unit that acquires the credit, a determination unit that determines whether or not to accept the loan request data based on the credit maximum amount and the loan request amount, and a case where it is determined to accept the loan request data An occurrence record request data creation unit for creating occurrence record request data based on the loan request data; and the occurrence record request data The data, characterized by comprising a transmission unit for transmitting to the electronic creditor recording engine system.

  According to the electronic record receivable extreme credit management system according to the present invention, the credit maximum amount is set according to the payment ability of the user of the electronic record receivable loan, and according to the user's borrowing request, the user is set as a debtor, In addition, when executing a request for record of occurrence of electronically recorded receivables with a creditor designated as a creditor, the receivable amount that matches the credit amount is combined with the total of the existing credit amount (receivable amount), and the range of the credit limit amount By determining whether it is within the limit, it is possible to realize credit execution within the extreme amount range using the electronically recorded bond.

It is a block diagram showing an example of composition of the whole electronic record receivable extreme credit management system concerning one embodiment of the present invention. It is a flowchart which shows a series of processes which the electronic record loan extreme credit management system which concerns on one Embodiment of this invention performs. It is a figure which shows the example of the extreme credit management data storage part 141 which concerns on one Embodiment of this invention. It is a figure which shows the example of the electronic record bond data storage part 142 which concerns on one Embodiment of this invention. It is a flowchart which shows the process which the electronic record receivable extreme credit management system which concerns on one Embodiment of this invention performs on the payment date two bank business days before a payment date. It is a flowchart which shows the process which carries out the continuous borrowing of the whole amount of the amount of electronic recording receivables which the electronic record receivable extreme credit management system which concerns on one Embodiment of this invention performs. It is a flowchart which shows the process which repays only the partial amount of an electronic record receivable, and continues borrowing which the electronic record receivable extreme credit management system which concerns on one Embodiment of this invention performs. It is a flowchart which shows a process when there is an advance repayment of the whole amount of an electronic record receivable which the electronic record receivable extreme credit management system concerning one embodiment of the present invention performs. It is a flowchart which shows a process when there is an advance repayment of the partial amount of an electronic record receivable which the electronic record receivable extreme credit management system concerning one embodiment of the present invention performs.

<Definition of terms>
In this specification, a person who receives a credit from a financial institution, that is, a person who becomes a debtor of an electronic record receivable is referred to as a “user”. A person who lends money to the above user, that is, a person who becomes a creditor of an electronic record receivable is referred to as a “financial institution”. “Credit” means that a financial institution provides a loan to a user. “Credit amount” means the amount by which a user receives a loan from a financial institution. “Credit extreme amount” means the upper limit of the total credit amount negotiated in advance between the user and the financial institution in accordance with the payment ability of the user.

  Hereinafter, with reference to the accompanying drawings, a detailed description will be given of an electronically recorded bond maximum credit management system according to an embodiment of the present invention.

  FIG. 1 is a diagram showing an example of the configuration of the entire electronic record receivable extreme credit management system according to the present invention. In FIG. 1, an electronic record receivable extreme credit management apparatus 101 is connected to an electronic receivable recording institution system 103 via a network 102 such as a dedicated line. In addition, the electronic record receivable extreme credit management apparatus 101 is connected to a client computer 105 via a network 104 such as the Internet.

  The electronic record receivable extreme credit management apparatus 101 is a main computing device that provides a service of the electronic record receivable extreme credit management system according to the present invention. The electronically recorded receivable extreme credit management device 101, when a credit request is received from the user, creates an occurrence record request data file specifying the user as the debtor, the financial institution as the creditor, and the credit amount as the credit amount Then, processing such as transmitting the occurrence record request data file to the electronic bond recording institution system 103 is executed. Note that the electronic record receivable extreme credit management device 101 may be implemented alone, or may be implemented by a server or host of a bank system that provides an accounting service of a financial institution that exists in the past.

  The electronic record bond extreme credit management device 101 includes a network I / F 110, a control unit 120, a main storage unit 130, and an auxiliary storage unit 140, and these elements are connected via a system bus.

  The network I / F 110 transmits and receives data to and from the electronic bond recording institution system 103 and the client computer 105 connected via the networks 102 and 104, respectively.

  The control unit 120, also called a central processing unit (CPU), controls the above-described components and performs data calculations, and reads various programs stored in the auxiliary storage unit 140 to the main storage unit 130 and executes them. To do. The main storage unit 130 is also referred to as a main memory, and stores input data received by the electronically recorded bond maximum credit management apparatus 101, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 140 is a storage device represented by a hard disk (HDD) or the like, and stores database tables such as an extremely credit management data storage unit 141 and an electronic record bond data storage unit 142. The auxiliary storage unit 140 also stores a program (not shown) for causing the control unit 120 to execute various processes according to the present invention.

  The electronic bond receivable institution system 103 is a system that executes processing such as an electronic record receivable occurrence record provided by the electronic receivable record institution, and includes an electronic record receivable database 150 that stores a record book for each electronic record receivable. . When the electronic bond receivable institution system 103 receives the generated record request data file from the electronic record receivable extreme credit management device 101, the electronic receivable record institution system 103 executes processing such as adding the corresponding record original record to the electronic record receivable database 150.

  The client computer 105 is a computer terminal for inputting a request for a service provided by the electronic record bond maximum credit management system according to the present invention. The person in charge of the transaction financial institution that receives the credit request from the user inputs predetermined information from the client computer 105 (may be directly input from the client computer 105 possessed by the user). The input information is transmitted to the electronic record receivable extreme credit management device 101, and processing such as generation record request is executed.

  The above-described electronic record bond extreme credit management apparatus 101 may be configured by one or a plurality of computing devices. The client computer 105 described above may be an information terminal device such as a personal computer, a workstation, or a PDA having a communication function. A computing device and an information terminal device are computing devices including a central processing unit (CPU), a memory, a storage device, and the like, and are centralized by a CPU processing a computer program stored in the memory or the storage device. It is controlled, and the processing according to the present invention can be executed and its function can be realized. Note that the above-described system configuration is for illustration, and does not limit the system configuration capable of executing the present invention.

  Next, with reference to FIG. 2, a series of processes executed by the electronic record bond extreme credit management system according to the present invention will be described. In the present embodiment, it is assumed that the user has offered a credit of 5 million yen to a financial institution (hereinafter referred to as “transaction financial institution”) that provides the electronic record receivable extreme credit management system according to the present invention.

<Extreme credit agreement>
First, an extreme credit agreement is concluded between the user and the transaction financial institution. When an extreme credit contract is concluded, the maximum credit amount corresponding to the user's ability to pay and the contract due date of the contract are set. The extreme credit contract may be reviewed at regular intervals such as every year.

  When the extreme credit contract is concluded, extreme credit contract application data is input from the client computer 105. The input extreme credit contract application data is transmitted from the client computer 105 to the electronically recorded bond maximum credit management apparatus 101 via the network 104 (S201). Extreme credit contract application data includes a user number (a number assigned to the user in the electronic bond recording institution system 103), and settlement account information (hereinafter referred to as “ User settlement account information ”, and the settlement account information for lending electronic record receivables that the transaction financial institution has registered in the account on the electronic receivables record institution system 103 (the account information is between the user and the transaction financial institution) Corresponds to the account information of the dedicated account used for the settlement of electronic record receivables related to electronic record receivables loans in the following, referred to as “bank settlement account information”), and the credit maximum amount set above and Including contract dates, but not limited to such items.

  The network I / F 110 of the electronic record bond extreme credit management device 101 receives the extreme credit contract application data transmitted in S201, and the control unit 120 is based on the bank settlement account information included in the extreme credit contract application data. To create a payment account additional billing data file. The created payment account additional billing data file is transmitted to the electronic bond recording institution system 103 via the network I / F 110 (S202). The electronic bond recording institution system 103 receives the transmitted settlement account additional billing data file, and performs registration processing of the settlement account in the account of the transaction financial institution (S203). As a result of this processing, the bank settlement account information is newly registered in the electronic receivables record institution system 103 and can be used as a creditor settlement account for electronic record receivables related to electronic record receivable loans. Note that the settlement account registration process described above is the same as the process currently being performed, and a detailed description thereof will be omitted.

  Next, the control unit 120 of the electronically recorded bond maximum credit management device 101 transmits the user number, user settlement account information, bank settlement account information, and credit limit included in the maximum credit contract application data transmitted in S201. Based on the amount, a record is added to the extremely credit management data storage unit 141 (S204). Here, the extreme credit management data storage unit 141 will be described with reference to FIG.

  The extreme credit management data storage unit 141 is a database table that stores information for managing a user's maximum credit amount and the like, and a record shown in FIG. 3A is added in S204. The extreme credit management data storage unit 141 includes items “user number”, “user settlement account information”, “credit extreme amount”, “contract date”, “credit amount”, “credit amount”, and “bank”. Payment account information ". The item “credit amount” indicates the total usage amount of the user's electronically recorded loan, and the credit limit amount indicates an additional creditable amount obtained by subtracting the credit amount from the maximum amount of credit. The items “user number”, “user settlement account information”, “credit limit amount”, “contract date”, and “bank settlement account information” are included in the extreme credit contract application data transmitted in S201. Each item is set.

<Execution of electronic record receivables>
When the processes of S201 to S204 described above are executed, the user can receive credit from the transaction financial institution within the set limit. The processes of S201 to S204 are executed when the user first concludes the extreme credit contract, and the state in which the contract has already been concluded, that is, the setting of the credit maximum amount is received from the transaction financial institution. If so, the process starts from S205.

  First, loan request data is input from the client computer 105. The input loan request data is transmitted from the client computer 105 to the electronically recorded bond maximum credit management apparatus 101 via the network 104 (S205). The loan request data includes information such as the user number and the user settlement account information, the credit amount desired by the user (5 million yen in this embodiment), and the desired loan date and the due date. It is not limited to.

  Next, the network I / F 110 of the electronically recorded bond maximum credit management device 101 receives the loan request data transmitted in S205, and the control unit 120 uses the user number or the user settlement account included in the loan request data. Based on the information, the corresponding record of the extreme credit management data storage unit 141 is acquired (S206).

  Next, the control unit 120 determines whether or not the credit amount of the loan request data exceeds the item “credit amount” (S207). As a result of the determination, if it is within the range of the credit frame amount, the process proceeds to S208. If the credit frame amount is exceeded, an error is notified to the client computer 105 that credit execution is impossible (S213). In the process of S207, it is determined whether or not the credit amount to the user is within the range of the maximum credit amount determined with the transaction financial institution including the existing credit amount, and credit to the user is determined. It becomes possible to determine whether execution is possible.

  In the process of S208, the control unit 120 uses the debtor as the user, the creditor as the transaction financial institution, and the creditor settlement account information as the bank settlement account information (for the bank included in the extreme credit management data record acquired in S206). The settlement account information is set), the debtor settlement account information is added to the user settlement account information (the user settlement account information included in the loan request data transmitted in S205, or the extreme credit management data record acquired in S206). The user settlement account information included is set), the credit amount is the credit amount (the credit amount included in the loan request data transmitted in S205 is set), the desired loan date is the date of occurrence recording, and the due date Is created as a payment due date, and the network I / F 110 records the occurrence record request data file as an electronic bond record. It is sent to the related system 103. The occurrence record request data file is a data file for making an occurrence record request to the electronic bond recording institution system 103, and has a common format for all financial institutions. Upon receipt of the generated record request data file, the electronic bond recording institution system 103 adds a new electronic record bond record original record to the electronic record bond database 150 (S209), creates an generated record result data file, and records the electronic record bond It transmits to the extreme credit management device 101 (S210). In this way, after determining whether or not the credit amount requested by the user is within the range of the credit limit, the electronically recorded receivable with the user as the debtor and the financial institution as the creditor The transaction financial institution can perform and manage electronically recorded receivable loans within an extremely large amount by performing credit based on the occurrence record information.

  Next, the control unit 120 adds the credit amount included in the loan request data transmitted in S205 to the item “credit amount” of the extreme credit management data record acquired in S206, and the item “credit amount”. The credit amount is subtracted from the above, and the extreme credit management data record is updated as shown in FIG. 3B (S211).

  Next, the control unit 120 of the electronic record receivable extreme credit management apparatus 101 sets the record number and the receivable amount included in the generated record result data file transmitted in S210 (the credit amount included in the loan request data transmitted in S205). Corresponding), debtor settlement account information (corresponding to user settlement account information), creditor settlement account information (corresponding to bank settlement account information created in S201 to S203), recording date and payment date, and Based on the user number included in the loan request data transmitted in S205, a record is added to the electronically recorded bond data storage unit 142 (S212). Here, the electronically recorded bond data storage unit 142 will be described with reference to FIG.

  The electronic record receivable data storage unit 142 is a database table for managing electronic record receivables generated using the electronic record receivable extreme credit management system according to the present invention. A record indicated by 1 is added. The electronic record receivable data storage unit 142 includes items “record number”, “user number”, “receivable amount”, “payment date”, “obligor settlement account information”, “creditor settlement account information” and “paid” “Flag” is provided, but is not limited to these items. In this manner, in S206 to S210, it is determined whether or not the credit amount is within the range of the credit amount, and the generated electronic record receivable is associated with the user number to manage the credit amount described later. Collection can be associated with the settlement of electronic record receivables.

<Before payment date>
Next, processing executed on a predetermined date (for example, two business days before) from the payment date of the generated electronic record receivable will be described with reference to FIG. When the date falls, the electronic bond recording institution system 103 creates a settlement data file and transmits it to the electronic record bond extreme credit management device 101 (S501). The settlement data file refers to the transaction financial institution of the obligor (user in this example) of the corresponding electronic record receivable and the amount of receivable (corresponding to the credit amount in this embodiment) on the due date of the electronic record receivable Is a data file in which data for notifying that payment is required is stored, and includes information such as the debtor's user number, amount of receivable, and payment date.

  Upon receiving the payment data file transmitted in S501 (S502), the network I / F 110 of the electronically recorded bond extreme credit management apparatus 101 receives the payment amount date and payment date contained in the payment data file, and sends the client computer 105 to the client computer 105. Then, the settlement amount and deadline are notified (S503).

<Payment date>
Next, the process of the due date of the generated electronic record receivable will be described. When the payment due date is reached and the user (debtor) pays the settlement of the electronically recorded receivable to the transaction financial institution (creditor), the network I / F 110 of the electronically recorded receivable extreme credit management device 101 performs the transaction. The payment processing data file from the user for the electronic record receivable and the payment processing data file to the transaction financial institution transmitted from the accounting system of the financial institution are received. Both data files are data files that were created when transferring funds from a traditional financial institution, and are used for withdrawal of funds at the source financial institution, and data files sent to the destination financial institution The bank account information (debiter settlement account information in the present embodiment), the bank account information (bank settlement account information in the present embodiment), the record number identifying the corresponding electronic record receivable, and Includes payment amount. Note that the details of the payment and payment processing are the same as those of the conventional processing, and thus description thereof will be omitted. The transaction financial institution collects the electronic record receivables loan that is linked with the settlement funds for this electronic record receivable (hereinafter referred to as payment processing data file and transaction finance from the user for the electronic record receivable related to the electronic record receivable loan) Institutional payment processing data files are collectively called collection processing data files).

  When the network I / F 110 receives the collection process data file (YES in S504), the control unit 120 retrieves the corresponding record from the electronic record bond data storage unit 142 based on the record number included in the collection process data file. Obtain (S505).

  Next, the control unit 120 updates the electronic record bond data record acquired in S505 (S506). In this step, since the transaction financial institution has received the above-mentioned settlement funds for the electronic record receivable and has collected the electronic record receivable loan related thereto, “1: paid” is set in the item “paid flag”.

  Next, the control unit 120 performs extreme credit management based on the user number (the user number in this embodiment, that is, the user number of the debtor of the electronic record receivable) included in the acquired electronic record receivable data record. The corresponding record in the data storage unit 141 is updated (S507). In this step, since the credit amount was collected from the user, as shown in FIG. 3C, the collected amount of 5 million yen was subtracted from the item “credit amount”, and the “credit amount” was collected. Add the amount.

  Next, the control unit 120 creates an inter-account remittance settlement report data file, and the network I / F 110 transmits the inter-account remittance settlement report data file to the electronic bond recording institution system 103 (S508). The inter-account remittance settlement report data file is a data file for performing inter-account remittance settlement reports to the electronic bond recording institution system 103, and has a common format for all banks. When receiving the inter-account remittance settlement report data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 (S509). In this process, when the electronic receivables recording organization receives a report indicating that the inter-account remittance has been completed, payments are automatically recorded after 3 bank business days of the due date, and the electronically recorded receivables on the record book disappear. Note that the processing in S508 and S509 is the same as the processing for performing an existing inter-account remittance settlement report, and thus detailed description thereof will be omitted.

  In S504, the network I / F 110 cannot receive the collection processing data file for the electronic record receivable related to the electronic record receivable loan included in the settlement data file received in S502, that is, the electronic record from the user. When the settlement funds for the bond have not been paid, the control unit 120 creates an insolvency report data file, and the network I / F 110 transmits the insolvency report data file to the electronic bond recording institution system 103 (S510). .

<Fully continuous borrowing>
Next, with reference to FIG. 6, a process will be described in which the user continues to borrow the entire amount without repaying the credit on the due date of the electronic record receivable to be credited. This embodiment is continuously executed from the processing of FIG. 2, and, similarly to the example of FIG. 2, the user receives a credit of 5 million yen from the transaction financial institution by generating and recording an electronic record receivable, and the payment The entire credit amount shall continue to be borrowed by recording another new electronic record receivable on the due date.

  When the user makes a request for continuous borrowing of the entire credit amount, the continuous borrowing request data is input from the client computer 105, and the continuous borrowing request data is transmitted to the electronically recorded receivable extreme credit management device 101 (S601). . The continuous borrowing request data includes at least the record number for identifying the electronic record receivable generated in S208 to S210 in FIG. 2 (in this embodiment, “electronic record receivable 1”), the continuing credit amount, and the new credit date. including.

  Next, the network I / F 110 of the electronically recorded bond maximum credit management device 101 receives the continuous borrowing request data transmitted in S601, and the control unit 120, based on the recording number included in the continuous borrowing request data, A corresponding record is acquired from the electronically recorded bond data storage unit 142 (S602).

  Next, the control unit 120 creates a new electronic record receivable occurrence request data file based on the electronic record receivable data record acquired in S602, and the network I / F 110 stores the occurrence record request data file as an electronic receivable record. The data is transmitted to the engine system 103 (S603). In this step, the recorded record request is the same for the electronically recorded receivable 1, the obligor, creditor, receivable amount and settlement account information, etc., and the recording date is set to the due date of the electronically recorded receivable 1, Is set with a new credit date included in the continuous borrowing request data. Upon receipt of the generated record request data file, the electronic bond recording institution system 103 adds a new electronic record bond record original record to the electronic record bond database 150 (S604), creates an generated record result data file, and records the electronic record bond. It transmits to the extreme credit management device 101 (S605). In this way, when the user wishes to continue borrowing the entire credit amount, a new electronic record receivable having the same receivable amount as the previously generated electronic record receivable 1 (in this embodiment, “electronic record receivable 2 ”) And the subsequent processing is executed.

  Next, the network I / F 110 of the electronic record receivable extreme credit management device 101 receives the generated record result data file transmitted in S605, and the control unit 120 refers to the generated record result data file and performs electronic recording. It is determined whether or not the occurrence record of the bond 2 has been established (S606). If it has been established, the process proceeds to the subsequent process, and if not, the process proceeds to S611.

  In the processing of S607, the control unit 120 of the electronic record receivable extreme credit management device 101 corresponds to the electronic record receivable 2 in the electronic record receivable data storage unit 142 based on the generated record result data file transmitted in S605. A record is added (record No. 2 in FIG. 4A).

  Next, the control unit 120 updates the electronic record bond data record acquired in S602 (S608). In this step, since the electronic record receivable 2 that takes over the electronic record receivable 1 described above has been generated and recorded, the item “paid flag” relating to the electronic record receivable 1 is set to “1: paid”.

  Next, the control unit 120 creates an inter-account remittance settlement report data file for the electronic record receivable 1 (the electronic record receivable 1 is collected by a new electronic record receivable loan fund related to the electronic record receivable 2), and the network The I / F 110 transmits the inter-account remittance settlement report data file to the electronic bond recording institution system 103 (S609). Upon receiving the inter-account remittance settlement report data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original ledger record from the electronic record bond database 150 (S610). By this processing, the electronic record receivable 1 disappears on record.

  If the occurrence record of the electronic record receivable 2 is not established in the determination of S606, the credit amount related to the electronic record receivable 1 cannot be taken over with a new electronic record receivable loan, so the user can record the electronic record receivable 1 It is necessary to pay the settlement amount (collection funds for the credit amount). In this case, the network I / F 110 of the electronic record receivable extreme credit management device 101 transmits a repayment request indicator to the client computer 105 to prompt the user to deposit the payment account (S611).

  In response to the above repayment request indicator, if the user deposits the settlement amount of the electronic record receivable 1 into the settlement account (automatic payment by deposit), the network I / F 110 of the electronic record receivable extreme credit management device 101 Receives the user's collection processing data file for the electronically recorded receivable transmitted from the account system of the transaction financial institution. When the collection processing data is received (YES in S612), the corresponding record in the extreme credit management data storage unit 141 is updated based on the user number included in the electronic record bond data record acquired in S602 (S613). In this step, since the credit amount was collected from the user, as shown in FIG. 3C, the collected amount (5 million yen) is subtracted from the item “credit amount”, and the collected amount is added to “credit amount”. Is added. Thereafter, the process returns to S608.

  If it is determined in S612 that the user's collection processing data file has not been received, the control unit 120 of the electronic record receivable extreme credit management device 101 creates a non-payment report data file for the electronic record receivable 1, and the network I / O F110 transmits the insolvency report data file to the electronic bond recording institution system 103 (S614).

<Continuous borrowing for some amounts>
Next, referring to FIG. 7, the processing when the user continuously borrows a part of the credit amount without paying the full amount of the credit amount on the due date of the electronic record receivable related to the electronic record receivable loan. explain. This embodiment is continuously executed from the processing of FIG. 2, and, similarly to the example of FIG. 2, the user receives a credit of 5 million yen from the transaction financial institution, pays 1 million yen on the payment date, and the rest Will continue to borrow 4 million yen.

  When the user makes a request for continuous borrowing of a part of the credit amount, the continuous borrowing request data is input from the client computer 105, and the continuous borrowing request data is transmitted to the electronically recorded receivable extreme credit management device 101 ( S701). The continuous borrowing request data includes at least the record number for identifying the electronic record receivable generated in S208 to S210 in FIG. 2 (in this embodiment, “electronic record receivable 1”), the continuing credit amount, and the new credit date. including.

  Next, when the user repays the above partial amount, the network I / F 110 of the electronically recorded bond maximum credit management device 101 receives the collection processing data file transmitted from the account system of the transaction financial institution. Will do. When the collection process data file is received (S702), the corresponding record is acquired from the electronic record bond data storage unit 142 based on the record number included in the collection process data file (S703).

  Next, the control unit 120 creates an occurrence record request data file for the new electronic record receivable for the amount to be continuously borrowed based on the electronic record receivable data record acquired in S703, and the network I / F 110 issues the occurrence record request. The data file is transmitted to the electronic bond recording institution system 103 (S704). The request for record of occurrence in this step is the same for the electronically recorded receivable 1 and the obligor, creditor, and settlement account information, etc., the payment date of the electronically recorded receivable 1 is set as the recording date, and the amount of the receivable and the due date Is set with the credit amount and the credit date included in the continuous borrowing request data. Upon receipt of the generated record request data file, the electronic bond recording institution system 103 adds a new electronic record bond record original record to the electronic record bond database 150 (S705), creates an generated record result data file, and creates an electronic record bond. It is transmitted to the extreme credit management device 101 (S706). In this way, when the user wishes to continue borrowing a part of the credit amount, a new electronic record receivable having a receivable amount obtained by subtracting the repayment amount from the previously generated electronic record receivable 1 (this embodiment) Then, “electronic record receivable 2” is generated and the subsequent processing is executed.

  Next, the network I / F 110 of the electronic record receivable extreme credit management apparatus 101 receives the generated record result data file transmitted in S707, and the control unit 120 refers to the generated record result data file and performs electronic recording. It is determined whether or not the occurrence record of the bond 2 has been established (S707). If it has been established, the process proceeds to the subsequent process, and if not, the process proceeds to S713.

  In the process of S708, the control unit 120 of the electronic record receivable extreme credit management apparatus 101 stores the corresponding record in the extreme credit management data storage unit 141 based on the user number included in the electronic record receivable data record acquired in S703. Update. In this step, since the user collected a portion of the credit amount (1 million yen), subtract the recovered amount from the item “credit amount” and add the recovered amount to “credit amount”. .

  Next, the control unit 120 adds a record corresponding to the electronic record bond 2 to the electronic record bond data storage unit 142 based on the generated record result data file transmitted in S706 (No. 3 in FIG. 4A). Record) (S709).

  Next, the control unit 120 updates the electronic record bond data record acquired in S703 (S710). In this step, since the electronic record receivable 2 that takes over the credit balance of the electronic record receivable 1 described above is generated and recorded, “1: paid” is set in the item “paid flag” relating to the electronic record receivable 1.

  Next, the control unit 120 creates an inter-account remittance settlement report data file for the electronic record receivable 1, and the network I / F 110 transmits the inter-account remittance settlement report data file to the electronic receivable recording organization system 103 (S711). . When receiving the inter-account remittance settlement report data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 (S712). By this processing, the electronic record receivable 1 disappears on record.

  If the occurrence record of the electronic record receivable 2 is not established in the determination of S707, the user's desired credit continuation amount cannot be taken over with a new electronic record receivable loan, so the credit amount associated with the electronic record receivable 1 It will be necessary to pay the full amount. In this case, the network I / F 110 of the electronic record receivable extreme credit management apparatus 101 transmits a repayment request indicator to the client computer 105, and prompts the user to deposit the payment account (S713).

  In response to the above repayment request indicator, if there is a payment from the user to the debtor settlement account for the entire credit amount of the electronic record receivable 1, the credit is automatically collected by the deposit, and the electronic record receivable extreme credit management The network I / F 110 of the apparatus 101 receives the collection processing data file for the electronic record bond transmitted from the accounting system of the transaction financial institution. When the collection processing data file is received (YES in S714), the corresponding record in the extreme credit management data storage unit 141 is updated based on the user number included in the electronically recorded bond data record acquired in S703 (S715). In this step, since the entire amount of credit was collected from the user, the amount collected was subtracted from the item “credit amount” and the amount collected was added to “credit amount” as shown in FIG. 3C. To do. Thereafter, the process returns to S710.

  If it is determined in S714 that the collection processing data file has not been received, the control unit 120 of the electronic record receivable extreme credit management device 101 creates an insolvency report data file for the electronic record receivable 1, and the network I / F 110 The insolvency report data file is transmitted to the electronic bond recording institution system 103 (S716). Subsequently, the control unit 120 of the electronic record receivable extreme credit management device 101 creates a payment record request data file for the partial repayment amount received in S702, and the network I / F 110 transmits the payment request data file to the electronic receivable recording institution system 103. (S717).

<Full prepayment>
Next, with reference to FIG. 8, an example will be described in which the entire credit amount is repaid without waiting for the payment date of the electronically recorded receivable from the user. This embodiment is continuously executed from the processing of FIG. 2, and, similarly to the example of FIG. 2, the user receives a credit of 5 million yen from the transaction financial institution, and before the payment due date, the total amount of the credit amount It is assumed that there was a recovery.

  When the user collects the entire credit amount, the network I / F 110 of the electronically recorded credit maximum credit management apparatus 101 receives the collection processing data file transmitted from the account system of the transaction financial institution. Become. When the collection process data file is received (S801), the corresponding record is acquired from the electronic record bond data storage unit 142 based on the record number included in the collection process data file (S802).

  Next, the control unit 120 updates the electronic record bond data record acquired in S802 (S803). In this step, since the payment relating to the above-described electronically recorded bond is completed, “1: paid” is set in the item “paid flag”.

  Next, the control unit 120 of the electronic record receivable extreme credit management device 101 updates the corresponding record in the extreme credit management data storage unit 141 based on the user number included in the electronic record receivable data record acquired in S802 ( S804). In this step, since the entire amount of the credit amount has been collected from the user (5 million yen), the recovered amount is subtracted from the item “credit amount” and the recovered amount is added to the “credit amount”.

  Finally, the control unit 120 determines whether or not the payment date of the electronic record receivable related to the collected electronic record receivable loan is 7 business days before the payment date (S805). The payment record request data file for the electronic record bond generated in S210 is created, and the network I / F 110 transmits the payment record request data file to the electronic bond record institution system 103 (S806). If it is after 7 bank business days, due to the specifications of the electronic bond recording institution system 103, it is not possible to request a record of payment etc., so create a data transfer settlement report data file between accounts on the due date and the network I / F 110 will record the payment etc. The billing data file is transmitted to the electronic bond recording institution system 103 (S807). Upon receipt of the payment record request data file or the inter-account remittance settlement report data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 (S808). By this processing, the electronic record receivable disappears. Note that the processing of the record of payment, etc. and the inter-account remittance settlement report processing are the same as those currently performed, and therefore detailed description thereof will be omitted.

<Partially advanced repayment>
Next, an example in which a part of the credit amount of the user is repaid without waiting for the payment date of the electronically recorded receivable will be described with reference to FIG. This embodiment is continuously executed from the processing of FIG. 2, and, similarly to the example of FIG. 2, the user receives a credit of 5 million yen from the transaction financial institution, and before the payment due date, It is assumed that a portion of 1 million yen has been collected.

  When the user collects a part of the credit amount, the network I / F 110 of the electronically recorded credit maximum credit management apparatus 101 receives the collection processing data file transmitted from the account system of the transaction financial institution. It will be. When the collection process data file is received (S901), the corresponding record is acquired from the electronic record bond data storage unit 142 based on the record number included in the collection process data file (S902).

  Next, the control unit 120 of the electronic record receivable extreme credit management device 101 updates the corresponding record in the extreme credit management data storage unit 141 based on the user number included in the electronic record receivable data record acquired in S902 ( S903). In this step, since the user collected a portion of the credit amount (1 million yen), subtract the recovered amount from the item “credit amount” and add the recovered amount to “credit amount”. .

  Next, is the date on which the collection processing data file is received before 7 business days before the due date of the electronic record receivable (hereinafter referred to as “electronic record receivable 1”) generated in S208 to S210 in FIG. It is determined whether or not (S904). If it is before 7 bank business days, the process proceeds to S905. If not, the process proceeds to S910.

  In the process of S905, the control unit 120 of the electronic record receivable extreme credit management apparatus 101 creates a divided transfer record request data file based on the electronic record receivable data record acquired in S902, and the network I / F 110 performs the division. The transfer record request data file is transmitted to the electronic bond recording institution system 103 (S905). The divided transfer record request data file is a data file for making a divided transfer record request to the electronic bond recording institution system 103 and has a common format for all financial institutions. The divided transfer record request in this step is generated by the electronic record receivable 2 divided from the electronic record receivable 1. Electronically recorded receivables 1 and 2 have the same debtor, creditor, due date, settlement account information, etc., and electronically recorded receivable 1 has the amount of receivable minus the amount collected (ie, credit amount) (4 million yen, which is the remaining amount paid for a part of the amount), and electronic record receivable 2 is set to 1 million yen repaid as the amount of receivable, and at the same time, the transfer record transferred from the transaction financial institution to the user Is made. Upon receipt of the divided transfer record request data file, the electronic bond recording institution system 103 updates the electronic record bond record ledger record corresponding to the electronic record bond 1 in the electronic record bond database 150 and corresponds to the electronic record bond 2 A new electronic record receivable record original ledger record to be added is added, a divided transfer record result data file is created and transmitted to the electronic record receivable extreme credit management apparatus 101 (S906). In this process, the divisional transfer record is made in the electronic bond recording institution (the effect of the divisional transfer occurs), and a new electronic record loan 2 divided and transferred from the electronic record bond 1 is generated on the record book. Note that the processing in S905 and S906 is the same as the existing processing for requesting divisional assignment recording, and thus detailed description thereof will be omitted.

  Next, the control unit 120 adds a record corresponding to the electronic record bond 2 to the electronic record bond data storage unit 142 based on the divided transfer record result data file transmitted in S906 (No. 2 in FIG. 4B). At the same time, the item “paid flag” is added. Also, the amount of receivables in the electronic record receivable data record (corresponding to electronic record receivable 1) acquired in S902 is updated (recovered amount of 1 million yen is reduced to 4 million yen (No. 1 in FIG. 4B). Record))) (S907).

  Next, the control unit 120 creates a payment request data file for the electronic record receivable 2 (the electronic record receivable 2 is returned to the user by credit collection, so that both the debtor and the creditor have the same user Therefore, the network I / F 110 transmits the payment record request data file to the electronic bond recording institution system 103 (S908). Upon receiving the payment record request data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150, and thus the electronic record bond 2 disappears on record (S909).

  In the determination of S904, if the payment due date is after 7 bank business days before, due to the specifications of the electronic bond recording institution system 103, the above-mentioned split transfer record request cannot be made, so the data partially repaid until the due date Continue to hold. If there is a collection of the remaining credit amount until the due date of electronic record receivable 1, network I / F 110 of electronic record receivable extreme credit management device 101 receives the collection processing data file transmitted from the accounting system of the transaction financial institution. Will receive. When the collection processing data file is received (YES in S910), the control unit 120 of the electronic record receivable extreme credit management device 101 updates the electronic record receivable data record corresponding to the electronic record receivable 1 updated in S907 again. (S911). In this step, since the full payment of the electronic record receivable 1 described above has been completed, “1: paid” is set in the item “paid flag”. Electronic record receivables that are later than 7 bank business days before the payment due date cannot be recorded unless payment registration is made once on the due date. The section 120 creates a non-payment report data file on the due date of the electronic record receivable 1 (the entire amount has been collected by the due date, and is regarded as No. 0 non-payment reason), The data file is transmitted to the electronic bond recording institution system 103 (S912), and then the control unit 120 of the electronic record bond extreme credit management device 101 creates a record request data file for payment of the electronic record bond 1, and the network I / O F110 transmits the payment record request data file to the electronic bond recording institution system 103 (S913). When receiving the payment record request data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 three business days after the payment date (S909). By this processing, the electronic record receivable 1 disappears on record.

  If it is determined in S910 that the collection process data file has not been received, it is determined whether or not the continuous borrowing process for the remaining credit amount has been performed (S913). If the process is continued (YES in S914), <1 in FIG. Continued borrowing> processing is performed (S915). In this case, since the collection processing data in S702 has already been received, the processing is omitted. If the remaining borrowing process is not performed (NO in S914), the non-payment reporting process for the electronically recorded bond 1 is performed. The control unit 120 of the electronically recorded receivable extreme credit management device 101 creates a non-payment report data file (this is the first non-payable reason because the entire amount has not been collected by the due date), and the network I / F 110 makes the payment The impossible report data file is transmitted to the electronic bond recording institution system 103 (S915). Subsequently, the control unit 120 of the electronic record receivable extreme credit management apparatus 101 creates a payment request data file for the partial repayment amount received in S901, and the network I / F 110 transmits it to the electronic receivable recording institution system 103. (S917). When receiving the payment record request data file, the electronic bond recording institution system 103 updates the corresponding electronic record bond record original record from the electronic record bond database 150 after three bank business days of the payment date (S909).

  As described above, the description of the electronic record receivable extreme credit management system according to the present invention has been described in detail, but the specific examples such as the extreme credit management data storage unit 141 and the electronic record receivable data storage unit 142 described in the embodiment are described. The data structure is merely exemplary and changes may be made without departing from the claimed subject matter.

Claims (7)

A computer system for performing credit execution using electronically recorded receivables,
An extreme credit management data storage unit for managing the credit maximum amount determined for each user;
A loan request data receiving unit for receiving loan request data including a loan request amount;
Based on the loan request data, an extreme credit management data acquisition unit that acquires an extreme credit management data record from the extreme credit management data storage unit;
A determination unit that determines whether to accept the loan request data based on the credit maximum amount and the loan request amount;
When it is determined that the loan request data is accepted, an occurrence record request data creation unit that creates first occurrence record request data based on the loan request data;
A transmission unit for transmitting the first occurrence record request data to an electronic bond recording agency system ;
A continuous borrowing request data receiving unit for receiving continuous borrowing request data;
With
The generation record request data creation unit creates second generation record request data corresponding to the generation record request data based on the continuous borrowing request data,
The computer system further includes an inter-account remittance settlement report data creation unit that creates inter-account remittance settlement report data for the first occurrence record request data,
The said transmission part transmits the said remittance settlement report data between accounts to the said electronic bond recording organization system, The computer system characterized by the above-mentioned . The extreme credit management data record further includes financial institution settlement account information regarding a settlement account possessed by the financial institution,
The loan request data further includes user settlement account information related to a settlement account that the user has,
The financial institution settlement account information is set in the creditor settlement account information of the occurrence record request data, and the user settlement account information is set in the debtor settlement account information. Item 4. The computer system according to Item 1. A method performed by a computing device for performing credit execution using an electronically recorded bond,
The computing device includes an extreme credit management data storage unit including a credit maximum amount determined for each user and financial institution settlement account information regarding a settlement account held by the financial institution,
Receiving loan request data including a loan request amount and user settlement account information related to a settlement account held by the user;
Acquiring an extreme credit management data record from the extreme credit management data storage unit based on the loan request data;
Determining whether to accept the loan request data based on the credit limit amount and the loan request amount;
If it is determined to accept the loan request data, creating first generation record request data based on the loan request data;
Transmitting the occurrence record request data to an electronic bond recording institution system ;
Receiving continuous borrowing request data;
Creating second generation record request data corresponding to the generation record request data based on the continuous borrowing request data;
Creating inter-account remittance settlement report data for the first occurrence record request data;
Transmitting the inter-account remittance settlement report data to the electronic bond recording institution system . The financial institution settlement account information is set in the creditor settlement account information of the occurrence record request data, and the user settlement account information is set in the debtor settlement account information. The method of claim 3.   The program for making a computer perform the method as described in any one of Claim 3 and 4. A computer-readable storage medium storing the program according to claim 5 .   A computer comprising a processor and a memory, wherein the memory records a program that causes the processor to execute the method according to any one of claims 3 and 4.

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