JP6345168B2 - Electronic record receivable processing method and relay system - Google Patents

Description

  The present invention relates to a technique for processing an electronically recorded bond in batch factoring across a plurality of financial institutions.

  For the generation and transfer of electronic record receivables, the record in the record book of the electronic receivables recording organization is a requirement for its effectiveness. Specifically, an electronic claim is generated by recording an occurrence record in a record ledger through a bank, and an electronic claim is transferred by making a transfer record in the record ledger through the bank. When the due date is reached, the funds are automatically withdrawn from the debtor's bank account and paid into the creditor's bank account. When this payment is completed, the payment is recorded in the record book and the processing is completed.

  In recent years, using this electronic record receivable mechanism, collective factoring of accounts receivable has been implemented in transactions between companies. In batch factoring, factoring companies (SPCs) such as banks and finance companies purchase the receivables of the paying company (obligor) after determining the creditworthiness of the paying company (obligor). Instead, it collects receivables from the paying company. When the trade receivables are transferred to the factoring company, the delivery company can request the factoring company to fund (prepay) the receivables before the due date of the receivables. When the factoring company receives a request for funding of the receivable from the supplier company before the due date, the factoring company pays the paying company an amount obtained by subtracting the specified discount amount from the original amount of receivable (full amount), and capitalizes the due date. In this case, the initial amount of receivable is paid (see, for example, Patent Documents 1 and 2).

Japanese Patent No. 5142228 Japanese Patent No. 5466327

  When carrying out collective factoring, it is necessary for the transaction bank of the paying company to individually process the request for the record of occurrence of the electronic record receivable and the request for the transfer record of the electronic record receivable, and the burden on the bank is large. In addition, since the request for record of occurrence of electronic record receivables and the request for transfer records are made individually in response to the request from the paying company's bank, there is a time lag between the two implementation timings. There was a risk that if there was an interruption such as another transfer record request, the planned transfer could not be performed.

  The present invention has been made in view of such problems, and an object of the present invention is to reduce the trouble of a paying company's bank and prevent the unexpected transfer of electronically recorded receivables.

In order to solve the above-mentioned problems, the present invention processes the generated record reservation request and the transfer record separately without simultaneously processing the bank system, the request for recording record reservation for the electronic record receivable and the request for reservation of transfer record. The creditor as a delivery company in a system comprising an electronic bond recording institution capable of processing other requests between reservation request processing and a relay system that relays communication between the bank system and the electronic bond recording institution A method in which the relay system processes an electronically recorded bond having a debtor as a paying company, wherein the relay system factors whether or not the electronically recorded bond is a factoring target in response to a request from the bank system. Stores in the claim management table and makes an occurrence record reservation request to the electronic record credit institution to reserve the occurrence record of the electronic record claim. When the electronic record receivable occurrence record reservation result notification is received from the electronic record receivable institution, the factoring receivable management table is referred to, and if the electronic record receivable is a factoring target, the electronic record receivable is sent from the delivery company. A transfer record reservation request for reservation to be transferred to a transfer destination is made to the electronic record receivables organization, and after the occurrence record reservation request is made, the transfer record of the electronic record receivable based on the transfer record reservation request is made. Until the date of the electronic record receivable , the transfer request for transfer to a third party other than the transferee to the third party other than the transferee is restrained, or providing billing processing, cancellation of the processing, electronic records loans wherein the arresting all changes of the processing

Further, the present invention is a relay system for relaying communications between a bank system and an electronic bond recording institution, and in response to a request from the bank system, whether or not the electronic record bond is a factoring object management table Storing an occurrence record reservation request for reserving the occurrence record of the electronic record receivable to the electronic record receivable institution, and receiving the occurrence record reservation result notification of the electronic record receivable from the electronic record receivable institution, Referring to the factoring claim management table, if the electronic record claim is subject to factoring, a request for transfer record reservation for making a reservation to transfer the electronic record claim from the supplier to the transfer destination is sent to the electronic record claim organization. performed, from the generation recording reservation and claimed is performed, the transfer of electronic recording claims based on the assignment record reservation according Until recording is performed, the Suppress transfer recording according to claim be transferred to a third party other than the transferee for electronic recording claims, or until the date of the electronic recording receivable from the generated recording reservation, wherein said electronic Provided is a relay system characterized in that all claims of processing for a recorded bond, cancellation of the processing, and change of the processing are suppressed .

  According to the present invention, it is possible to reduce the trouble of a paying company's bank and prevent the unexpected transfer of electronically recorded receivables.

1 is a block diagram showing an overall configuration of a system according to an embodiment of the present invention. It is a block diagram which shows the function structure of the batch factoring system and relay system concerning this embodiment. It is a sequence diagram which shows the operation | movement regarding the utilization application of collective factoring in this embodiment. It is a sequence diagram which shows the operation | movement regarding implementation of the batch factoring in this embodiment. It is a flowchart which shows operation | movement of the relay system in this embodiment.

[Embodiment]
[Constitution]
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram showing the overall configuration of a system according to an embodiment of the present invention. A payment company terminal 1 which is a communication terminal installed in a payment company which is a debtor and a delivery company terminal 2 which is a communication terminal installed in a delivery company which is an original creditor are transferred to a bank system 4a via a network 3. Connected. The bank system 4a includes a collective factoring system 5 that provides services related to electronic record receivables. A bank system 4 a including a collective factoring system 5 is connected to an electronic bond recording institution 7 via a relay system 6. The relay system 6 is a facility called DENTRANS, for example, and the electronic bond recording organization 7 is a facility called Densai Net, for example. The bank system 4a is connected to the bank system 4b of another bank via the network 8. The collective factoring system 5, the relay system 6, and the electronic bond recording organization 7 each have various hardware such as a control unit such as a CPU (Central Processing Unit) and various memories, a storage unit such as a hard disk, and a communication unit such as a communication circuit. A computer system provided.

  Electronically recorded receivable factoring is an early process when a paying company assigns an electronically recorded receivable that occurs between a delivering company (original creditor) and a paying company (obligor) to a special purpose company (SPC). Say the process of funding. The SPC is a receivable purchasing company established by arranging a paying company's bank, but may be a finance company such as an affiliate of the bank or a leasing company. Further, the bank itself may become an SPC and become a financial institution for transferring electronic record receivables. However, it is assumed that the settlement account for the electronically recorded receivables of SPC is set up in the bank of the delivery company and the paying company.

  FIG. 2 is a block diagram showing a functional configuration of the batch factoring system and the relay system according to the embodiment of the present invention. In response to a request from the batch factoring system 5, the record request processing unit 61 of the relay system 6 reserves an electronic record receivable record to the electronic receivable recording institution 7 and records an electronic record receivable. A transfer record reservation request is made to reserve with respect to the electronic bond recording organization 7 to be transferred from the supplier company to the transfer destination (factoring company in this embodiment). The deterrence processing unit 62 receives the electronic record receivable from the occurrence record reservation request until the transfer record of the electronic record receivable based on the transfer record reservation request is made (in the case of this embodiment, a factoring company). The transfer record request for requesting transfer to a third party other than) is suppressed.

[Operation]
Next, the operation of this embodiment will be described. First, with reference to FIG. 3, an operation related to a batch factoring use application will be described. The worker of the paying company creates information relating to the application for using the collective factoring (step S11), and sends this as application data to the paying company's bank (paying company side bank) (step S12). This sending may be sending by data communication such as e-mail from the payment company terminal 1 to the bank system 4, or sending by mail. Application data includes, for example, the payment company code that is the identification information of the paying company that is the debtor, the delivery company code that is the identification information of the payment company that is the original creditor, SPC information (for example, identification information and bank account) that is the assignee of the electronic record receivable, a discount rate defined in the contract, and the like are included.

  Here, the paying company side bank is a bank provided with the bank system 4a of FIG. On the other hand, the account (delivery company remittance destination account) used by the delivery company for the original transaction is assumed to be an account in the bank system 4b of FIG. In other words, the delivery company has the bank account used for the original business activities in a bank different from the paying company's bank. However, since the delivery company uses this batch factoring mechanism, for the sake of convenience, the paying company side asks the paying company side to open its own bank account (delivery company transaction account).

  When these application data are input to the paying company side bank system 4a (step S13), the input data is transferred from the paying company side bank system 4a to the collective factoring system 5 (step S14) and stored in the collective factoring system 5. Registered in the unit 51 (step S15).

  Then, a completion notification is transmitted from the batch factoring system 5 to the payment company terminal 1 (step S16). As a result, a contract is made between the paying company, the delivering company, and the SPC to collectively transfer the electronically recorded receivables in which the paying company is the debtor and the delivering company is the original creditor to the SPC.

  Next, with reference to FIG. 4, operations related to the implementation of batch factoring of electronically recorded bonds will be described. The paying company terminal 1 creates bond data from information related to the accounts payable owned by the paying company, and transmits it to the batch factoring system 5 (step S21). The collective factoring system 5 stores the bond data in the storage unit 51 in the form of temporary registration (step S22). Then, a completion notice is transmitted from the collective factoring system 5 to the payment company side bank system 4a and the payment company terminal 1 (steps S23 and S24). This receivable data includes information necessary for requesting the occurrence record and transfer record of electronic record receivables for which the paying company is the debtor. For example, information on the paying company (payment company code, payment company transaction account, etc.) , An occurrence record date, a transfer record date, a payment date, an identification code which is information for identifying whether or not a factoring receivable is received, a delivery company code, a delivery company transaction account, and a credit amount.

  Upon receiving the completion notification, the paying company side bank system 4a performs temporary billing temporary registration (step S25), and transmits the temporary registration notification to the relay system 6 (step S26). When the relay system 6 receives the provisional registration notification corresponding to the request from the bank system, the relay system 6 performs provisional provisional registration in response to the request (step S27), and registers it as receivable data that is subject to collective factoring (step S28). . At this time, the relay system 6 creates a factoring receivable management table indicating whether or not the receivable data is subject to factoring based on the identification code of the receivable data. Then, the relay system 6 transmits an occurrence record reservation request to the electronic bond recording organization 7 in order to reserve an occurrence record of the electronic record loan to the electronic bond recording organization 7 (step S29). This generation record reservation request includes information such as biller information (including a user number), business partner information (including a user number), amount of receivable, occurrence recording date, payment date, and the like. When the electronic bond recording organization 7 receives the generated record reservation request, it stores the contents and returns a generated record reservation result notification in response thereto to the relay system 6 (step S30). Through these steps S28 to S30, reservation for the occurrence record of the electronic record bond is made.

When the relay system 6 receives the occurrence record reservation result notification, the relay system 6 determines whether or not the subject bond data is a factoring target based on the identification code written in the factoring bond management table. Then, in order to reserve the transfer record of the electronic record receivable to the electronic receivable recording institution 7, a transfer record reservation request is transmitted to the electronic receivable recording institution 7 (step S31). This transfer record reservation request includes information such as biller information (including a user number), business partner information (including a user number), a claim amount, a transfer record date, and a payment date. Upon receipt of the transfer record reservation request, the electronic bond recording organization 7 stores the contents and returns a transfer record reservation result notification in response to this to the relay system 6 (step S32). In steps S28 and S31 to S32, reservation for transfer record of the electronic record receivable is made. In this way, since the reservation of the occurrence record to the reservation of the transfer record is continuously performed in time, the reservation of the occurrence record and the reservation of the transfer record are compared with the case where the reservation of the occurrence record and the reservation of the transfer record are individually charged. The time required to reserve the transfer record is shortened, and as a result, it is possible to prevent the unexpected transfer of the electronic record receivable. Specifically, for example, when the occurrence record date and the transfer record date are different and there is a period from when the occurrence record is made to when the transfer record is made, the reservation of the occurrence record and the reservation of the transfer record are already requested. For electronically recorded receivables, even if a transfer record request to a third party other than SPC is made later, the electronic receivables recording organization will handle the error, so that unexpected transfer can be prevented in the above-mentioned continuous processing. it can.
In addition, when an occurrence record reservation request and an assignment record reservation request for an electronic record receivable are stored in the electronic claim recording organization 7, from the occurrence record request reservation until the assignment record request based on the assignment record reservation request is made The transfer record request, which is a process for transferring the electronic record receivable to a third party other than the SPC, is suppressed by the relay system 6.

  Specifically, as shown in FIG. 5, for example, when a processing request such as a transfer record request is received by the relay system 6 (step S101), the relay system 6 uses a bond code that uniquely identifies an electronic record bond. The claim data relating to the request is specified (step S102). Then, the relay system 6 determines whether or not the bond data is subject to factoring by referring to the factoring bond management table created in advance in step S28 based on the identification code of the specified bond data. (Step S103). If the bond data is not a factoring target (step S103; NO), the relay system 6 performs a process corresponding to the request (for example, a transfer record request process). On the other hand, if the bond data is a factoring target (step S103; YES), the relay system 6 returns an error in response to the request (step S105). That is, the relay system 6 does not accept the processing for the bond data if the bond data for which the occurrence record reservation or the transfer record reservation has been made is a factoring target.

  Returning to FIG. 4, when the occurrence record date and the transfer record date reserved by the occurrence record reservation request and the transfer record reservation request arrive, the electronic bond recording organization 7 generates an electronic record receivable to be factored, A process for transferring the receivable from the delivery company to the SPC, that is, the occurrence record of the electronic record receivable and the transfer record are performed on the record book (step S33). When the transfer record of the electronic record receivable is completed in the record book by the electronic receivable record organization 7, the creditor of the electronic record receivable is replaced by the SPC (assignee) from the supplier company (transferee). Then, the electronic bond recording institution 7 transmits a record notification indicating that the occurrence record and the transfer record have been made to the relay system 6 (step S34), and the relay system 6 has completed the generation record and the transfer record of the electronic record bond. A record notification meaning this is transmitted to the payment company side bank system 4a (step S35). When the payment company side bank system 4a receives this notification, it registers the result (step S36).

  Next, the collective factoring system 5 generates remittance data (step S37). More specifically, the collective factoring system 5, for example, when the SPC pays the delivery company on the due date, the payment amount is the full amount of the receivable amount or almost the full amount (for example, excluding only the fee). Remittance data is generated with the remittance amount and the remittance destination as the remittance destination account. Thereafter, remittance to the delivery company is executed in accordance with the remittance data, and the payment amount is deposited into an account in the bank system 4b which is the transaction bank of the delivery company (step S38). In addition, when a customer wants to prepay funds before the due date of electronic record receivables, the supplier company was the original creditor for the batch factoring system 5 using the supplier company terminal 2. Request for capitalization of all or part of the transfer price of electronic record receivables. In response to this request, the collective factoring system 5 performs remittance processing by generating remittance data excluding a discount fee calculated from, for example, a discount period and a discount interest rate, and a transfer fee. After the bulk factoring is performed through these steps S37 to S38, the bulk factoring is performed on the bank account used for the transaction by the delivery company, which is stored in association with the bank account of the delivery company established at the paying company's bank. Funds are transferred from the system 5.

  As described above, in the present embodiment, when the relay system 6 makes an electronic record receivable generation record reservation request and a transfer record reservation request, the electronic receivable recording organization automatically performs from the electronic record receivable generation record to the transfer record. As a result, the labor of the paying company's bank is reduced. Furthermore, since the generation record reservation to the transfer record reservation are continuously performed, the time required from the generation record reservation to the transfer record reservation is compared with the case where the generation record reservation and the transfer record reservation are separately charged. As a result, it becomes possible to prevent unexpected transfer of electronically recorded receivables.

[Modification]
[Modification 1]
In the above embodiment, it is assumed that the occurrence record request and the transfer record request are mainly made in collective factoring. However, the case is not limited to collective factoring, but the bank or finance company accepts electronically recorded receivables based on requests from creditors. In the case of purchasing, it may be automatically performed from the generation record request to the transfer record request.

[Modification 2]
In the above embodiment, assuming that there is a time shift in the execution timing of the record reservation request and the transfer record reservation request of the electronic record receivable, and there is an unexpected transfer record request in a period corresponding to this shift, The relay system 6 was suppressing this. In addition to this period, for a long period of time from the request for reservation of record of occurrence to the date of electronic record receivable, the relay system 6 will request for processing of the electronic record receivable (including request for record of occurrence and request for transfer record), cancellation of the process, Any or all of the processing changes may be suppressed.
In addition, not only in the case of collective factoring, but also in the case where a transaction bank or finance company purchases an electronic record receivable at the request of a creditor, a request for processing of the electronic record receivable (including an occurrence record request and a transfer record request) Any or all of the cancellation of the process and the change of the process may be suppressed.
In addition, in processing related to collective factoring and transfer records of electronic record receivables, there is a case in which whether or not there is a guarantee is specified in advance for each bank account as a transfer destination. In such a case, for example, in the transfer record request reservation, the relay system 6 may perform a process of requesting a guarantee record reservation in accordance with the presence / absence of the guarantee specified in advance for each bank account of the transfer destination. Specifically, it is as follows.

  First, a creditor and a bank that purchases electronically-recorded receivables (hereinafter referred to as a “purchase bank”) negotiate various conditions (including debtor conditions, purchase scale, purchase period, payment terms, guarantees, etc.) regarding the purchase of receivables, Make a purchase contract. Then, the creditor performs a procedure such as a record reservation request for the trade receivable to be purchased, and requests the debtor to accept or reject it. When the debtor accepts the request, the creditor sends the details of the subject credit to the purchasing bank. In response to a request from the purchasing bank, the relay system determines that it is a debt of the debtor's bank account that was specified in the demand record reservation request and is a factoring target specified in the demand record reservation request. Based on the code to be confirmed, it is confirmed that it is a subject loan of this processing, and a transfer record reservation request and a guarantee record request are made in accordance with a predetermined guarantee condition. In addition, the relay system, after making a request for reservation for occurrence of electronic record receivables, suppresses transfer request for recording, which is a process for transferring the electronic record receivables to a third party other than SPC, and further cancels or changes the process. Are also deterred. Then, when the date of occurrence of the electronically recorded receivable arrives, the purchasing bank pays the amount of the receivable on a predetermined condition to the creditor. Furthermore, when the due date of electronically recorded receivables comes, the purchasing bank will collect the amount of receivables. Purchases of receivables may be made by a finance company other than a bank.

[Modification 3]
The present invention can be implemented not only in an apparatus or system such as the relay system 6 but also in the form of a processing method performed by the relay system 6 and a program for causing a computer to function as the relay system 6. This program may be provided to the computer in a form recorded on a recording medium such as an optical disk, or may be provided to the computer via a network such as the Internet.

 1 payment company terminal, 2 delivery company terminal, 3, 8 network, 4 banking system, 5 collective factoring system, 6 relay system, 61 record request processing unit, 62 deterrence processing unit, 7 electronic bond recording organization

Claims (2)

The bank system and electronic record receivable generation record reservation request and transfer record reservation request are processed separately without processing at the same time, and other requests between the generated record reservation request process and the transfer record reservation request process Electronic record receivables with creditor as the paying company and payer as the paying company in a system comprising an electronic bond recording institution that can process credits and a relay system that relays communications between the banking system and the electronic claim recording authority A method of processing by the relay system,
The relay system is
In response to a request from the bank system, the electronic record receivable is stored in the factoring receivable management table as to whether or not the electronic receivable is subject to factoring,
Make an occurrence record reservation request for the occurrence record reservation of the electronic record receivable to the electronic record receivable organization,
Upon receipt of the electronic record receivable occurrence record reservation result notification from the electronic record receivables institution, the factoring receivable management table is referenced, and if the electronic record receivable is subject to factoring, the electronic record receivable is transferred from the delivery company. Make a request for reservation of transfer record to make a reservation to transfer to the electronic record creditor institution,
The transfer requesting transfer to a third party other than the transfer destination for the electronic record receivable until the transfer record of the electronic record receivable based on the transfer record reservation request is made after the request for reservation of occurrence record is made An electronic device that suppresses a recording request, or suppresses all requests for processing, cancellation of the processing, and changes of the processing from the request for reservation of recorded records to the date of the electronic recording receivable Record receivable processing method. A relay system that relays communications between banking systems and electronic bond recording institutions,
In response to a request from the bank system, whether or not the electronic record receivable is subject to factoring is stored in a factoring receivable management table, and an occurrence record reservation request for reserving an occurrence record of the electronic record receivable And when the electronic record receivables occurrence record reservation result notification is received from the electronic record receivables organization, the factoring receivable management table is referred to. A request for transfer record reservation that reserves transfer from the supplier to the transfer destination is made to the electronic record receivables institution, and after the request for reservation of record of occurrence has been made, assignment until recording is performed, according to be transferred to a third party other than the transferee for the electronic recording receivables Suppress transfer recording according that, or, and characterized in that suppress from the generated recording reservation according to the date of the electronic recording claims, wherein the process for the electronic recording claims, cancellation of the processing, all changes in the process Relay system.

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