JP6655571B2 - Server device, electronically recorded loan processing method, and program - Google Patents

Description

  The present invention relates to a server device, an electronically recorded loan processing method, and a program.

  2. Description of the Related Art In recent years, electronically recorded claims based on the Electronically Recorded Claims Law implemented in December 2008 have been used in place of paper bills and accounts receivable used as means for closing business transactions. Such a system using electronically recorded bonds includes, for example, an electronic record using Densai Net (registered trademark), which is one of the systems of an electronic bond recording organization (hereinafter referred to as an electronic bond recording organization system). 2. Description of the Related Art A loan processing system is known (for example, see Patent Document 1).

JP 2015-90585 A

  By the way, as with bills, it is common that electronically recorded receivables are provided with a guarantee, but it is also possible to transfer electronically recorded receivables without guarantee (hereinafter referred to as unguaranteed transfer). However, in the above-described conventional electronically recorded receivables processing system, when transferring an electronically recorded receivable, in order to prevent the transfer without guarantee from being performed accidentally, the transfer without guarantee is prohibited, and the transfer with guarantee is prohibited. We are doing fixed processing. Further, in the case of performing the transfer without guarantee, in the conventional electronically recorded loan processing system, it is necessary to use an additional function for permitting the selection of the presence or absence of the guarantee, limited to the desired financial institution in advance. As described above, in the conventional electronically recorded receivables processing system, there is a problem that the transfer without guarantee of the electronically recorded receivables is limited only to the financial institution that has applied for the above-mentioned additional function in advance, which is inconvenient. .

  The present invention has been made to solve the above problems, and an object of the present invention is to provide a server device, an electronically recorded loan processing method, and a program that can improve the convenience of transferring electronically recorded loans. It is in.

In order to solve the above-described problem, one embodiment of the present invention provides a non-guaranteed account storage unit that stores non-guaranteed account information indicating a transfer account that receives an electronically recorded receivable without guarantee, based on a transfer request from a terminal device. when executing the transfer processing of the electronic recording claims, and creditors identification information identifying the electronic recording claims, and transfer information acquisition unit that acquires the account information indicating a transferee's account of the electronic recording claims, wherein the electronic records Before transmitting the transfer record request to the electronic bond recording organization system that records the bond, the account information obtained by the transfer information obtaining unit matches the unguaranteed account information stored in the unguaranteed account storage unit. when whether a judgment, and obtained the account information, and the no guarantee account information without the guarantee account storage unit stores is matching, the receivables identification information and the Includes seat information, said transfer recording according to the warranty associated information specifying the presence or absence of guarantee specified without assurance in transfer, characterized in that it comprises a transfer processing unit to be transmitted to the electronic creditor recording engine system server Device.
Further, according to one aspect of the present invention, in the server device, the transfer processing unit further uses an additional function of permitting selection of the presence or absence of a guarantee limited to a predetermined financial institution in advance, and In a case where no guarantee is designated, the transfer record request designating the accompanying information without guarantee is transmitted to the electronic bond recording organization system.

  Further, in one aspect of the present invention, in the server device, the transfer processing unit transmits a transfer record request to the electronic bond recording institution system when the account information matches the non-guaranteed account information. Prior to this, information indicating that the electronically recorded receivables transfer process is executed without guarantee is transmitted to the terminal device.

  Further, according to one aspect of the present invention, in the server device, the transfer information acquiring unit acquires a file of the transfer request including at least set information of the claim identification information and the account information, and the transfer processing unit When the account information of the group information included in the transfer request file matches the non-guaranteed account information stored in the non-guaranteed account storage unit, the group information is designated without guarantee. The transfer record request including the obtained guarantee accompanying information is transmitted to the electronic bond recording organization system.

  Further, according to one aspect of the present invention, in the server device, the transfer information obtaining unit obtains the transfer request file including at least the set information and guarantee accompanying information that specifies whether or not there is a guarantee in transfer, The transfer processing unit is configured so that the account information in the set information matches the non-guaranteed account information stored in the non-guaranteed account storage unit, and the associative accompanying information corresponding to the set information is guaranteed. In the case where there is a designation, information indicating that the setting corresponding to the set information is an error is transmitted to the terminal device.

  In one aspect of the present invention, the server device further includes a registration processing unit that stores the unguaranteed account information in the unguaranteed account storage unit in response to a registration request for registering the unguaranteed account information. Features.

One embodiment of the present invention is an electronically recorded loan processing method executed by a server device including a non-guaranteed account storage unit that stores unguaranteed account information indicating a transfer account to which an electronically recorded receivable is transferred without a guarantee, When executing the transfer processing of the electronically recorded receivables based on the transfer request from the terminal device, obtain the loan identification information for identifying the electronically recorded receivables and the account information indicating the account of the transfer destination of the electronically recorded receivables. The transfer information acquiring step, the account information acquired by the transfer information acquiring step and the unguaranteed account storage unit are stored before transmitting a transfer record request to an electronic bond recording organization system that records the electronically recorded bond. wherein a determination is made whether the guarantee no account information matches, and acquired the account information, the assurance I None the guarantee account storage unit stores the If the account information matches, the creditor identification information and includes the account information, the transfer recording according to the warranty associated information specifying the presence or absence of guarantee specified without assurance in transfer, the electronic creditor recording engine system And a transfer processing step of transmitting to the electronically recorded claim.

Further, according to one aspect of the present invention, a computer as a server device including a non-guaranteed account storage unit that stores unguaranteed account information indicating a transferred account that transfers an electronically recorded receivable without guarantee, based on a transfer request from a terminal device when executing the transfer processing of electronic records receivables Te, and creditors identification information identifying the electronic recording claims, and transfer information obtaining step of obtaining the account information indicating a transferee's account of the electronic recording claims, wherein the electronic Before transmitting the transfer record request to the electronic bond recording organization system that records the recorded bond, the account information obtained by the transfer information obtaining step and the non-guaranteed account information stored in the non-guaranteed account storage unit are a determination is match or otherwise, and obtained the account information, and the no guarantee account information without the guarantee account storage unit stores match field To include the receivables identification information and the account information, and transfer processing step of the transfer recording according to the warranty associated information specifying the presence or absence of guarantee specified without assurance in transfer, transmits to said electronic creditor recording engine system Is a program for executing.

  ADVANTAGE OF THE INVENTION According to this invention, the convenience at the time of transferring an electronically recorded claim can be improved.

It is a functional block diagram showing an example of an electronic record loan processing system by this embodiment. It is a figure showing the example of data of the account storage part without guarantee in this embodiment. FIG. 6 is a diagram illustrating an example of data in an additional function setting storage unit according to the embodiment. It is a figure showing an example of an additional function setup in this embodiment. It is a figure showing the example of data of a lump sum billing file in this embodiment. It is a figure explaining an example of judgment at the time of performing transfer record demand processing by transfer processing part 133 in this embodiment. It is a figure showing an example of registration processing of an account without guarantee in this embodiment. It is a figure showing an example of a registration screen of account information without guarantee in this embodiment. It is a figure showing an example of transfer record request processing by a normal request in this embodiment. It is a figure showing an example of a registration screen of a transfer record request in this embodiment. It is a figure showing an example of a registration check screen of transfer record demand in this embodiment. It is a figure showing an example of a registration screen of a transfer record request when an additional function in this embodiment is used. It is a figure showing an example of transfer record demand processing by a lump sum in this embodiment. It is a figure showing an example of a check judging condition of a collective billing file in this embodiment.

Hereinafter, a server device, an electronically recorded loan processing method, and a program according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a functional block diagram illustrating an example of the electronically recorded bond processing system 1 according to the present embodiment.
As shown in FIG. 1, the electronically recorded loan processing system 1 includes a relay server 10, a terminal device 20, a financial institution server 30, and an electronically recorded bond institution system 40. The relay server 10, the terminal device 20, the financial institution server 30, and the electronic bond recording institution system 40 are connected via the network NW1.

The terminal device 20 is a device used by a user who uses the electronically recorded receivables processing system 1, and is, for example, a personal computer. Here, the user is, for example, a financial institution or a company or corporation that conducts transactions. In addition, the terminal device 20 includes an input unit 22 and a display unit 23.
Although the example shown in FIG. 1 shows an example in which the electronically recorded bond processing system 1 includes one terminal device 20 for convenience of description, a plurality of terminal devices 20 may be provided.

  The input unit 22 is, for example, an input device such as a keyboard and a mouse, and receives various inputs to the terminal device 20. The input unit 22 receives, for example, an input of information necessary for various processes related to Internet banking and electronically recorded receivables by a user of the terminal device 20.

  The display unit 23 is, for example, a liquid crystal display device and displays various information. The display unit 23 displays, for example, an operation menu, input information, and a registration confirmation screen for an electronically recorded receivable transfer recording request, which will be described later, in various processes related to Internet banking and electronically recorded receivables.

The terminal device 20 connects to the network NW1 using, for example, a wired LAN (Local Area Network) communication, a wireless LAN communication, or the like, and performs communication of various information via the network NW1. The terminal device 20 is connected to the financial institution server 30 via the network NW1, for example, and communicates various information.
In addition, the terminal device 20 stores, for example, information input at the time of registration of the transfer record request, a batch request file of the transfer record request, and the like.

  In addition, the terminal device 20 executes, for example, various processes related to electronically recorded bonds. The terminal device 20 transfers the electronically recorded receivables, such as the record number of the electronically recorded receivables, the account information of the transferee, and the transfer amount, via the input unit 22 in, for example, the transfer processing of the electronically recorded receivables by a normal request. The information is acquired, and the acquired loan assignment information is transmitted to the financial institution server 30. For example, in the transfer processing of the electronically recorded receivables by the collective billing, the terminal device 20 transmits a collective billing file, which is a transfer request file, to the financial institution server 30. The details of the collective billing file will be described later. In addition, the terminal device 20 acquires, for example, confirmation information of a transfer record request from the financial institution server 30, and causes the display unit 23 to display the acquired display information.

  The financial institution server 30 is a server device of the financial institution and provides, for example, a service of an Internet bank and a service relating to electronically recorded receivables. The financial institution server 30 connects to the network NW1 using, for example, wired LAN communication, and performs communication of various information via the network NW1. The financial institution server 30 is connected to the relay server 10 and the terminal device 20 via the network NW1, for example, and performs communication of various information.

  Further, the financial institution server 30 has, for example, a user database and stores user information for logging in to a service of the Internet bank. The financial institution server 30 stores, for example, user information including a user account, user identification information such as a user ID, and authentication information such as a password.

  In addition, the financial institution server 30 executes, for example, a process of providing a service of an Internet bank or a service relating to electronically recorded receivables. The financial institution server 30 acquires, for example, the above-mentioned receivables transfer information and the collective billing file from the terminal device 20, and transmits (transfers) the obtained receivables transfer information and the collective billing file to the relay server 10. Further, the financial institution server 30 acquires the transfer record request confirmation information from the relay server 10 and transmits (transfers) the acquired transfer record request confirmation information to the terminal device 20.

The electronic bond recording institution system 40 is a system of an electronic bond recording institution, and is, for example, Densai Net (registered trademark). The electronic bond recording institution system 40 records the generation, transfer, division, etc. of the electronically recorded bond and provides various processes related to the electronically recorded bond.
In addition, the electronic bond recording institution system 40 connects to the network NW1 using, for example, wired LAN communication, and communicates various information via the network NW1. The electronic bond recording agency system 40 connects to the relay server 10 via the network NW1, for example, and communicates various information.

  Further, the electronic bond recording institution system 40 has a database for recording electronically recorded bonds, and stores electronically recorded bond information. Here, the electronically recorded bond information is, for example, information indicating the recorded electronically recorded bond.

  In addition, the electronic bond recording institution system 40 executes various processes in response to various requests (for example, generation record request, transfer record request, division record request, and the like) regarding the electronic record bond received from the relay server 10, The execution results of various processes are transmitted to the relay server 10.

  The relay server 10 (an example of a server device) is provided between the terminal device 20 and the financial institution server 30 and the electronic bond recording institution system 40, and is connected to the terminal device 20 and the financial institution server 30. Support use. For example, when executing the transfer record request processing by the normal billing, the relay server 10 acquires the loan assignment information from the terminal device 20 via the financial institution server 30 and, based on the acquired loan assignment information, obtains the normal billing information. Generate a transfer record request for. In addition, for example, when executing the transfer record request processing by the collective billing, the relay server 10 acquires the collective billing file including the loan transfer information from the terminal device 20 via the financial institution server 30, and acquires the acquired collective billing file. Generate a transfer record request for the consolidated request based on the file. In addition, the relay server 10 transmits the generated transfer record request of the normal request or the collective request to the electronic bond recording organization system 40.

In addition, the relay server 10 receives the completion notification of the transfer record transmitted by the electronic bond recording institution system 40 in response to the transfer request of the normal bill or the collective bill, and transmits the completion notification of the received transfer record to the financial institution server. 30 to the terminal device 20.
Note that, in the transfer of the electronically recorded receivables, the relay server 10 uses the non-guaranteed account information stored in the non-guaranteed account storage unit 121 to be described later or an additional function (optional function) that permits selection of the presence or absence of a guarantee. Achieve unguaranteed transfer of recorded claims (unguaranteed transfer).
Further, the relay server 10 includes an NW communication unit 11, a server storage unit 12, and a server control unit 13.

  The NW communication unit 11 connects to the network NW1 using, for example, wired LAN communication, and performs communication of various types of information via the network NW1. The NW communication unit 11 is connected to, for example, the financial institution server 30 and the electronic bond recording institution system 40 via the network NW1, and communicates various information.

  The server storage unit 12 stores information used for various processes executed by the relay server 10. The server storage unit 12 includes, for example, a non-guaranteed account storage unit 121, an additional function setting storage unit 122, and a consolidated billing file storage unit 123.

  The non-guaranteed account storage unit 121 stores non-guaranteed account information indicating a transferred account to which an electronically recorded receivable is transferred without a guarantee. The non-guaranteed account information is registered (stored) in advance in the non-guaranteed account storage unit 121 by a non-guaranteed account registration process by a user such as a financial institution or a company. The non-guaranteed account storage unit 121 stores non-guaranteed account information, for example, as shown in FIG.

FIG. 2 is a diagram illustrating an example of data in the account storage unit without guarantee 121 according to the present embodiment.
As shown in FIG. 2, the account storage unit without guarantee 121 stores, for example, “No.”, “branch code”, “user number”, “corporate name / individual business name”, and “account information”. , "Registration name", "application start date", and "application end date" are stored.
Here, “No.” is, for example, the registration number of the account information without guarantee, and “branch code” indicates the branch code of the financial institution where the transfer account is located. The “user number” indicates the user number of the user who owns the transfer account, and the “corporate name / individual business name” is the name of the user who owns the transfer account (registered when creating the account). Name). The “account information” is, for example, an account number, and the “registered name” indicates a registered name of the user who owns the transfer account in the relay server 10. Also, the “application start date” indicates the date on which the transfer account starts applying as a non-guaranteed account, and the “application end date” indicates the date on which the transfer account ends application as a non-guaranteed account. I have. The “application start date” and “application end date” indicate the application period of the account without guarantee (account transfer account).

  For example, in the example shown in FIG. 2, the account without guarantee whose “No.” is “1” has a “branch code” of “001”, a “user number” of “111111111”, and a “corporate name”. / Individual company name ”is“ SPC Corporation ”. In addition, it indicates that the “account information” (account number) is “9999 XX Bank 00111 Tokyo Branch Ordinary 111111” and that the “registered name” is “SPC Corporation”. The “application start date” and “application end date” indicate that they are “2014/11/11” and “2015/12/15”.

  Returning to the description of FIG. 1, the additional function setting storage unit 122 stores setting information for setting an additional function for permitting selection of the presence or absence of a guarantee, in advance, in the transfer of the electronically recorded receivables, limited to the desired financial institution. In the additional function setting storage unit 122, setting information for setting the above-described additional function in response to an application from a financial institution is registered (stored) in advance. The additional function of permitting the selection of the guarantee is set for each financial institution, for example. The additional function setting storage unit 122 stores, for example, setting information as shown in FIG.

FIG. 3 is a diagram illustrating an example of data in the additional function setting storage unit 122 according to the present embodiment.
As illustrated in FIG. 3, the additional function setting storage unit 122 stores setting information in which “No.”, “financial institution information”, and “additional function setting” are associated with each other.
Here, “No.” is, for example, the registration number of the financial institution that has requested the additional function, and “financial institution information” indicates the financial institution that has requested the additional function. "Additional function setting" indicates the setting of the additional function. Details of the setting of the additional function will be described later.
In the example shown in FIG. 3, for example, the “registered financial institution” whose “No.” is “1” is “9990 XX bank”, and the “additional function setting” for the “registered financial institution” is “used”. (Normal transfer request for transfer record) ".

FIG. 4 is a diagram illustrating an example of additional function settings according to the present embodiment.
As shown in FIG. 4, in the relay server 10 of the present embodiment, the following four types of settings are possible in the additional function setting.
The additional function setting in which “No.” is “1” is “use (request for transfer recording by normal request)”. This is a setting that allows.

Further, the additional function setting whose “No.” is “2” is “use (transfer recording request by collective request)”. This is a setting that allows selection.
Further, the additional function setting whose “No.” is “3” is “use (transfer record request by normal request and transfer record request by collective request)”. In both the transfer record request and the transfer record request by the collective request, the setting for permitting the selection of the guarantee is permitted.
The additional function setting whose “No.” is “4” is “do not use”, and is a setting in which the additional function is not used.

  Returning to the description of FIG. 1 again, the collective billing file storage unit 123 stores the collective billing file (transfer request file) acquired from the terminal device 20 in the transfer recording request by the collective billing. Here, the collective billing file is a file including at least the set information of the record number (an example of the claim identification information) and the account information, and is, for example, a file for collectively performing the transfer processing of a plurality of electronically recorded claims. .

FIG. 5 is a diagram illustrating an example of data of a collective billing file according to the present embodiment.
As shown in FIG. 5, the consolidated billing file includes a “record number”, a “transfer date”, a “transfer type”, a “transfer designation amount”, “guarantee accompanying information” (for example, a warranty accompanying flag). , And “account transfer information”.

  Here, the “record number” is a record number of the electronically recorded claim, and is an example of claim identification information for identifying the electronically recorded claim. The “transfer date” indicates the date on which the electronically recorded receivables are transferred, and the “transfer type” indicates the type of transfer of the entire amount or a partial amount. The “designated transfer amount” indicates the amount to be transferred, and the “guaranteed accompanying information” is information indicating whether the transfer is guaranteed or unguaranteed. Specify whether there is a guarantee. “Transfer account information” indicates account information of a transfer destination.

  For example, an electronically recorded receivable having a “record number” of “000001” is to be transferred to “2016/08/08” that is a “transfer date” with a “transfer type” of “full transfer”. . In addition, the electronically recorded receivable indicates that “1,000,000” of “designated transfer amount” is transferred to the account of “9999 XX Bank 00111 Tokyo Branch Ordinary 111111” due to “no guarantee”. I have.

Returning to the description of FIG. 1 again, the server control unit 13 is, for example, a processor including a CPU and the like, and controls the relay server 10 as a whole. Note that, in the present embodiment, the transfer processing of the electronically recorded receivables includes the transfer recording requesting processing of the electronically recorded receivables by a normal request and the transfer recording requesting processing of the electronically recorded receivables by a collective request. That is, the server control unit 13 executes, for example, a transfer requesting process of the electronically recorded claim by a normal request and a transfer recording requesting process of the electronically recorded claim by a collective request, as the transfer process of the electronically recorded claim.
The server control unit 13 includes, for example, an account registration processing unit 131, a transfer information acquisition unit 132, and a transfer processing unit 133.

  The account registration processing unit 131 (an example of a registration processing unit) causes the non-guaranteed account storage unit 121 to store non-guaranteed account information in response to a registration request for registering unguaranteed account information. The account registration processing unit 131 acquires the account information without guarantee from the terminal device 20 via, for example, the financial institution server 30, and stores (registers) the acquired account information without guarantee as shown in FIG. Note that the account registration processing unit 131 acquires unguaranteed account information from the financial institution server 30 via the NW communication unit 11.

  The transfer information acquiring unit 132, when performing the transfer processing of the electronically recorded claim based on the transfer request from the terminal device 20, the bond identification information (for example, the record number) for identifying the electronically recorded claim, and the electronically recorded claim Acquire account information indicating the transfer destination account. The transfer information obtaining unit 132 obtains, for example, one piece of loan transfer information including the record number, the account information, the transfer amount, and the like from the terminal device 20 when performing the transfer record request processing by the normal request.

Further, the transfer information acquisition unit 132 acquires, from the terminal device 20, a collective billing file including a plurality of claims transfer information, for example, when performing a transfer record requesting process by collective billing. That is, the transfer information acquiring unit 132 acquires a collective billing file (transfer request file) including at least the set information of the credit identification information and the account information and the above-mentioned guarantee accompanying information. The transfer information acquiring unit 132 acquires, for example, a collective billing file as shown in FIG.
The transfer information acquiring unit 132 acquires the loan transfer information or the collective billing file from the terminal device 20 via the financial institution server 30 via the NW communication unit 11.

  When the account information obtained by the transfer information obtaining unit 132 matches the non-guaranteed account information stored in the non-guaranteed account storage unit 121, the transfer processing unit 133 sets the account identification information (for example, the record number) and the account A transfer record request including the information and designating the above-mentioned accompanying information without guarantee is transmitted to the electronic bond recording institution system 40 which records the electronically recorded bond. When the account information matches the account information without guarantee, the transfer processing unit 133 executes the transfer processing of the electronically recorded receivable without guarantee before transmitting the transfer record request to the electronic receivable recording institution system 40. Information (confirmation information) indicating that the terminal device 20 is to be transmitted to the terminal device 20 via the financial institution server 30.

  That is, the transfer processing unit 133 performs, for example, when executing the transfer record request processing based on the normal billing, if the account of the transfer destination is the account for transfer without guarantee stored in the account storage unit 121 without guarantee, there is no guarantee Perform the transfer. In this case, the transfer processing unit 133 transmits confirmation information indicating that the electronically recorded receivables are to be transferred without guarantee to the terminal device 20 in order to allow the user to confirm that the transfer is a guaranteeless transfer. Is displayed on the display unit 23 of the terminal device 20.

  Further, for example, when executing the transfer record requesting process by the collective billing, the transfer processing unit 133 performs the transfer of the plurality of transfer requests included in the collective billing file with the account information and the unguaranteed account of the group information described above. It is determined whether the information matches. Then, for example, when the account information of the above-mentioned group information matches the account information without guarantee and the accompanying information corresponding to the group information is the specification without guarantee, The transfer record request corresponding to each transfer request including the group information and the guarantee accompanying information specified without guarantee is collected to generate a transfer record request for a collective request. The transfer processing unit 133 transmits the generated transfer record request for the collective request to the electronic bond recording institution system 40.

  In addition, the transfer processing unit 133 determines that the account information of the above-mentioned group information included in the collective billing file and the account information without guarantee match, and the guarantee accompanying information corresponding to the group information is specified with guarantee. In some cases, information indicating that the setting corresponding to the set information is an error is transmitted to the terminal device 20. In other words, in the consolidated billing file, if an account without guarantee is specified as the transfer destination account, but the corresponding guarantee accompanying information is a designation with guarantee, the setting is determined to be an error, and the error is detected. Is transmitted to the terminal device 20. Note that the transfer information acquisition unit 132 transmits information indicating the above-described error to the terminal device 20 via the NW communication unit 11 and the financial institution server 30.

  When the acquired account information does not match the non-guaranteed account information stored in the non-guaranteed account storage unit 121, the transfer processing unit 133 performs the transfer based on the additional function setting stored in the additional function setting storage unit 122. It is determined whether or not to execute a transfer process without guarantee. The process of determining whether or not to execute the transfer process without guarantee by the transfer processing unit 133 is different depending on whether the request is a normal request or a collective request. Here, with reference to FIG. 6, a description will be given of a determination when the transfer processing requesting process is performed by the transfer processing unit 133 in the present embodiment.

FIG. 6 is a diagram illustrating an example of a determination when the transfer processing requesting process is performed by the transfer processing unit 133 in the present embodiment.
For example, when performing the transfer record request process by the normal request, the transfer processing unit 133 determines as follows (1) and (2) (see (1) and (2) in FIG. 6).

  (1) For example, the transfer processing unit 133 determines that the acquired account information and the unguaranteed account information do not match, and the additional function setting corresponding to the financial institution of the acquired account information is “used (normal billing). Transfer request), or “use (transfer record request by normal request and transfer record request by collective request)”, transfer with guarantee according to the accompanying information acquired from terminal device 20. It is determined that the processing or the transfer processing without guarantee is performed. For example, in a case where the accompanying information acquired from the terminal device 20 is “no guarantee”, the transfer processing unit 133 determines that the transfer processing without guarantee is to be performed. Further, for example, when the accompanying information acquired from the terminal device 20 is “guaranteed”, the transfer processing unit 133 determines that the transfer processing with the guarantee is executed (the transfer processing without the guarantee is not executed). I do.

  (2) For example, the transfer processing unit 133 determines that the acquired account information and the unguaranteed account information do not match, and the additional function setting corresponding to the financial institution of the acquired account information is “use available (batch request). In this case, it is determined that transfer processing with guarantee is executed (transfer processing without guarantee is not executed).

  Further, for example, when executing the transfer record request process by the collective request, the transfer processing unit 133 determines as follows (3) and (4) (see (3) and (4) in FIG. 6). ).

  (3) For example, the transfer processing unit 133 determines that the account information included in the consolidated billing file does not match the unguaranteed account information, and the additional function setting corresponding to the financial institution of the acquired account information is “used” (A transfer record request by a normal request) "or" not use ", it is determined that the transfer process with guarantee is executed (the transfer process without guarantee is not executed). In this case, the transfer processing unit 133 determines that the setting is an error and does not execute the transfer processing when the guarantee accompanying information indicates that there is no guarantee.

  (4) For example, the transfer processing unit 133 determines that the account information included in the consolidated billing file does not match the non-guaranteed account information, and the additional function setting corresponding to the financial institution of the acquired account information is “used” (Transfer record request by collective request) "or" Use (transfer record request by normal request and transfer record request by collective request) ", the transfer process with or without the guarantee according to the information accompanying the guarantee Is determined to be executed. For example, when the information accompanying guarantee is “no guarantee”, the transfer processing unit 133 determines to execute a transfer process without guarantee. Further, for example, when the accompanying information for guarantee is “guaranteed”, the transfer processing unit 133 determines that the transfer processing with guarantee is executed (the transfer processing without guarantee is not executed).

Next, the operation of the electronically recorded loan processing system 1 according to the present embodiment will be described with reference to the drawings.
First, as an example of the operation of the electronically recorded receivables processing system 1 according to the present embodiment, a process for registering an account without guarantee will be described with reference to FIG.

FIG. 7 is a diagram illustrating an example of a registration process for a non-guaranteed account according to the present embodiment.
As shown in FIG. 7, first, the terminal device 20 transmits login information to the financial institution server 30 (step S101). The terminal device 20 transmits the user ID and the password input by the user to the financial institution server 30 via the input unit 22, for example.

  Next, the financial institution server 30 performs a login process (step S102). For example, the financial institution server 30 compares the user ID and password obtained from the terminal device 20 with the user ID and password stored in the financial institution server 30, and when the two match, the login of the user is performed. Approve. In this case, the financial institution server 30 determines that the login processing has been successful, and permits processing relating to electronically recorded receivables such as registration processing of an account without guarantee, for example.

  Next, the financial institution server 30 transmits the login result to the terminal device 20 (Step S103). Here, a description will be given assuming that the login processing has succeeded.

  Next, in response to the reception of the login result (the result of the successful login process), the terminal device 20 causes the display unit 23 to display a menu screen of a process related to the electronically recorded debt (step S104).

  Next, when the user selects the non-guaranteed account registration process, the terminal device 20 notifies the financial institution server 30 of the selection of the non-guaranteed account registration process (step S105).

  In addition, the financial institution server 30 transmits to the relay server 10 the selection of the unregistered account registration process notified from the terminal device 20 (step S106). In addition, the server control unit 13 of the relay server 10 starts, for example, the execution of the registration processing of the non-guaranteed account by the notification of the selection of the registration processing of the non-guaranteed account.

  Next, the terminal device 20 receives input of account information (step S107). That is, the terminal device 20 causes the display unit 23 to display an input screen G1 for account information without guarantee (account information for transfer without guarantee) as shown in FIG. Then, the terminal device 20 receives the account information without guarantee via the input unit 22.

FIG. 8 is a diagram illustrating an example of a registration screen of account information without guarantee in the present embodiment.
As illustrated in FIG. 8, the terminal device 20 may store, for example, the items (eg, “branch code”, “application start date”, “application end date”, “ User number, account information, registered name, etc.) via the input unit 22.

  Next, the terminal device 20 transmits the account information (transfer target account information without guarantee) to the financial institution server 30 (step S108). That is, the terminal device 20 transmits the account information acquired from the user to the financial institution server 30.

  Next, the financial institution server 30 transmits the account information to the relay server 10 (Step S109). That is, the financial institution server 30 transmits the account information received from the terminal device 20 to the relay server 10.

  Next, the relay server 10 stores (registers) the account information (transfer target account information without guarantee) in the non-guaranteed account storage unit 121 (step S110). For example, the account registration processing unit 131 of the relay server 10 acquires the account information (account target account information without guarantee) via the NW communication unit 11 and, as shown in FIG. It is stored in the storage unit 121.

  Next, the relay server 10 transmits a notification of registration completion to the financial institution server 30 (Step S111). That is, the account registration processing unit 131 transmits a notification of registration completion to the financial institution server 30 via the NW communication unit 11.

Next, the financial institution server 30 transmits a notification of registration completion to the terminal device 20 (Step S112). That is, the financial institution server 30 transmits the registration completion notification received from the relay server 10 to the terminal device 20.
As described above, the account registration processing unit 131 stores (registers) the transfer account information for executing the transfer record request by the transfer without guarantee in the account storage unit 121 without guarantee.

Next, as an example of the operation of the electronically recorded receivables processing system 1 according to the present embodiment, with reference to FIG.
FIG. 9 is a diagram illustrating an example of a transfer record request process by a normal request in the present embodiment.
In FIG. 9, the processing from step S201 to step S204 is the same as the processing from step S101 to step S104 in FIG. 7 described above, and a description thereof will be omitted here.

  In step S205, when the transfer record request processing based on the normal request is selected, the terminal device 20 notifies the financial institution server 30 of the selection of the transfer record request processing based on the normal request.

  Further, the financial institution server 30 transmits to the relay server 10 the selection of the transfer record request processing based on the normal request notified from the terminal device 20 (step S206). In addition, the server control unit 13 of the relay server 10 starts the execution of the transfer record request processing based on the normal request, for example, by the notification of the selection of the transfer record request processing based on the normal request.

  Next, the terminal device 20 receives input of the loan assignment information (step S207). That is, the terminal device 20 causes the display unit 23 to display a transfer record request registration screen G2 as shown in FIG. Then, the terminal device 20 receives, via the input unit 22, the loan assignment information as shown in FIG.

FIG. 10 is a diagram illustrating an example of a registration screen for a transfer record request in the present embodiment.
As shown in FIG. 10, the terminal device 20 inputs, for example, “record number”, “transfer date”, “transfer type”, “designated transfer amount”, “account information”, etc. To get through. Note that the example shown in FIG. 10 is an example in which the additional function setting is “do not use”. In this case, “Presence / absence recording” is displayed as “Yes” on the registration screen G2 (setting). Is done.

  Next, the terminal device 20 transmits the loan assignment information (including the account information) to the financial institution server 30 (Step S208). That is, the terminal device 20 transmits the credit transfer information acquired from the user to the financial institution server 30.

  Next, the financial institution server 30 transmits the loan assignment information (including the account information) to the relay server 10 (Step S209). That is, the financial institution server 30 transmits the loan assignment information received from the terminal device 20 to the relay server 10. Thereby, the transfer information acquiring unit 132 of the relay server 10 acquires the loan transfer information including the account information.

  Next, relay server 10 determines whether or not the acquired account information matches the account information without guarantee (step S210). That is, the transfer processing unit 133 of the relay server 10 includes, among the non-guaranteed account information registered in the non-guaranteed account storage unit 121, non-guaranteed account information that matches the account information included in the acquired loan transfer information. It is determined whether or not. That is, the transfer processing unit 133 determines whether or not the transferee account corresponding to the acquired account information is a transfer-less account for transfer without guarantee. When the acquired account information matches the account information without guarantee (step S210: YES), the transfer processing unit 133 advances the process to step S211. When the acquired account information does not match the account information without guarantee (step S210: NO), the transfer processing unit 133 advances the process to step S212.

  In addition, in step S212, the transfer processing unit 133 determines whether the additional function is used and the instruction is a guarantee-less instruction. That is, the transfer processing unit 133 acquires the additional function setting corresponding to the financial institution of the acquired account information from the additional function setting storage unit 122. Then, the transfer processing unit 133 determines that the acquired additional function setting is “use (transfer record request by normal request)” or “use (transfer record request by normal request and transfer record request by collective request)”. In addition, the transfer processing unit 133 determines whether or not the above-mentioned “presence / absence of record” is “absent” (no guarantee). : YES), the process proceeds to step S211.If the additional function is not used or the instruction is a guarantee instruction (step S212: NO), the transfer process unit 133 advances the process to step S213.

  In step S211, the transfer processing unit 133 generates a transfer record request without guarantee. That is, the transfer processing unit 133 generates a transfer record request in which the guarantee accompanying information is specified without guarantee. After the processing in step S211, the transfer processing unit 133 advances the processing to step S214.

  In step S213, the transfer processing unit 133 generates a transfer record request with guarantee. That is, the transfer processing unit 133 generates a transfer record request in which the guarantee accompanying information is designated as having a guarantee. After the processing in step S213, the transfer processing unit 133 advances the processing to step S214.

  Next, in step S214, the relay server 10 transmits a transfer record request confirmation request to the financial institution server 30. That is, the transfer processing unit 133 transmits a confirmation request for a transfer record request to the financial institution server 30 via the NW communication unit 11.

  Next, the financial institution server 30 transmits a confirmation request for the transfer record request to the terminal device 20 (Step S215). That is, the financial institution server 30 transmits the transfer record request confirmation request received from the relay server 10 to the terminal device 20.

Next, the terminal device 20 displays a confirmation screen (step S216). The terminal device 20 generates a transfer record request registration confirmation screen G3 as shown in FIG. 11 based on the received transfer record request confirmation request, and displays the generated registration confirmation screen G3 on the display unit 23.
FIG. 11 is a diagram illustrating an example of a registration confirmation screen for a transfer record request in the present embodiment.
As illustrated in FIG. 11, the terminal device 20 includes, as registration confirmation information of a transfer record request, for example, “record number”, “transfer date”, “transfer type”, “transfer designated amount”, “guaranteed record existence”, “Account information” and the like are displayed on the display unit 23.

  Note that the example shown in FIG. 11 is a confirmation screen in the case where the electronically recorded receivable is transferred to an account without guarantee in the receivables transfer information on the registration screen G2 shown in FIG. 10 described above. It has been changed from “Yes” (with guarantee) to “No” (no guarantee).

  Next, the terminal device 20 transmits a transfer approval notice to the financial institution server 30 (step S217). That is, the terminal device 20 obtains the transfer approval from the user who has confirmed the above-described registration confirmation screen G3 via the input unit 22, and transmits a transfer approval notification to the financial institution via the NW communication unit 11. Send it to server 30. Here, a description will be given on the assumption that the transfer confirmation request shown on the registration confirmation screen G3 has been approved by the user.

  Next, the financial institution server 30 transmits the transfer approval to the relay server 10 (step S218). That is, the financial institution server 30 transmits the transfer approval received from the terminal device 20 to the relay server 10.

  Next, the relay server 10 transmits the transfer record request to the electronic bond recording institution system 40 (Step S219). That is, the transfer processing unit 133 transmits a transfer record request to the electronic bond recording institution system 40 via the NW communication unit 11 in response to the transfer approval from the user.

  Next, the electronic bond recording organization system 40 executes a transfer recording process based on the transfer record request (step S220). That is, the electronic bond recording institution system 40 stores a record of transferring the electronically recorded bond to the designated transfer account based on the transfer record request.

Next, the electronic bond recording institution system 40 transmits a transfer record completion notification to the relay server 10 (step S221).
Next, the relay server 10 transmits a completion notification of the transfer record request to the financial institution server 30 (Step S222). That is, the transfer processing unit 133 transmits a completion notification of the transfer record request to the financial institution server 30 via the NW communication unit 11.

  Next, the financial institution server 30 transmits a completion notification of the transfer record request to the terminal device 20 (Step S223). That is, the financial institution server 30 transmits the completion notification of the transfer record request received from the relay server 10 to the terminal device 20, and the terminal device 20 ends the transfer record request process based on the normal request.

As described above, the electronically recorded receivables processing system 1 executes the transfer recording request processing based on the normal request. In FIG. 9 described above, the process of step S209 corresponds to a transfer information acquisition step, and the processes of steps S210 to S214 and step S219 correspond to a transfer process step.
Also, in FIG. 10 described above, the transfer record request registration screen when the additional function is not used has been described. Next, with reference to FIG. 12, the transfer record request registration screen when the additional function is used will be described. explain.

FIG. 12 is a diagram illustrating an example of a registration screen of a transfer record request when the additional function according to the present embodiment is used.
Here, the case where the additional function is used means that the additional function setting is “use (transfer record request by normal request) or“ use (transfer record request by normal request and transfer record request by collective request) ”. That is the case.

As shown in FIG. 12, in this case, on the registration screen G4, “guarantee record presence / absence” can be set to either “absent” or “present”. Acquire the information including “Warranty record existence”.
In addition, when the additional function shown in FIG. 12 is used, the registration confirmation screen for transferring the electronically recorded receivables to an account without guarantee is the same as the above-described registration confirmation screen G3 shown in FIG. In this case, even if “guaranteed record existence” is set to “present” (guaranteed) in the receivables transfer information on the registration screen G4, the display of “guaranteed record present” is displayed as “absent” on the registration confirmation screen G3. (No guarantee) is displayed.

Next, as an example of the operation of the electronically recorded receivables processing system 1 according to the present embodiment, with reference to FIG.
FIG. 13 is a diagram illustrating an example of a transfer record request process by a normal request in the present embodiment.
In FIG. 13, the processing from step S301 to step S304 is the same as the processing from step S101 to step S104 in FIG. 7 described above, and a description thereof will be omitted here.

  In step S305, when the transfer record request processing based on the collective request is selected, the terminal device 20 notifies the financial institution server 30 of the selection of the transfer record request processing based on the collective request.

  In addition, the financial institution server 30 transmits to the relay server 10 the selection of the transfer record request processing based on the collective request notified from the terminal device 20 (step S306). In addition, the server control unit 13 of the relay server 10 starts execution of the transfer record request processing based on the collective request, for example, by the notification of the selection of the transfer record request processing based on the collective request.

  Next, the terminal device 20 receives an input of a file name (step S307). That is, the terminal device 20 receives the file name designating the collective billing file via the input unit 22. Here, the lump sum claim file includes, for example, as shown in FIG. 5 described above, loan assignment information for a plurality of loan assignments.

  Next, the terminal device 20 transmits the consolidated billing file to the financial institution server 30 (Step S308). That is, the terminal device 20 reads out the collective billing file corresponding to the file name obtained from the user and transmits the file to the financial institution server 30.

  Next, the financial institution server 30 transmits the consolidated billing file to the relay server 10 (Step S209). That is, the financial institution server 30 transmits (uploads) the consolidated billing file received from the terminal device 20 to the relay server 10. As a result, the transfer information acquiring unit 132 of the relay server 10 acquires a collective billing file including a plurality of loan transfer information.

  Next, the relay server 10 determines whether or not the setting of the incidental guarantee information in the acquired consolidated billing file is normal (Step S310). The transfer processing unit 133 of the relay server 10 stores the non-guaranteed account information registered in the non-guaranteed account storage unit 121 and the additional function setting storage unit 122 for the guarantee accompanying information of each loan transfer information in the consolidated billing file. It is determined based on the additional function setting to be performed whether or not the function is normal. Note that the transfer processing unit 133 determines whether or not the guarantee accompanying information is normal based on the check determination condition shown in FIG.

FIG. 14 is a diagram illustrating an example of the check determination condition of the collective billing file according to the present embodiment.
14, "No." indicates the number of the check condition, and "additional function setting" indicates the additional function setting shown in FIG. In addition, “Transferee information (account information)” in “File settings” indicates whether or not the transferee's account information matches the unguaranteed account information. It indicates whether the setting is “with guarantee” or “without guarantee”. The “determination result” indicates a determination result as to whether or not the guarantee accompanying information is normal.
Note that “1” to “4” of “No.” in FIG. 14 correspond to the determination processes (3) and (4) in the case where the above-described transfer recording request process by collective request is executed.

  As described above, the transfer processing unit 133 determines whether the accompanying information is normal based on the check determination condition illustrated in FIG. 14 and determines that the accompanying information is normal (step S310: YES), the process proceeds to step S311. If the transfer processing unit 133 determines that the accompanying warranty information is not normal (error) (step S310: NO), the transfer processing unit 133 proceeds to step S312.

In step S311, the transfer processing unit 133 generates a transfer record request for the collective request for the collective request file. In other words, the transfer processing unit 133 generates a transfer record request for the collective billing for the collective billing file for which it has been determined that the accompanying warranty information is normal, based on the loan transfer information included in the collective billing file. After the processing in step S311, the transfer processing unit 133 advances the processing to step S313.
In step S312, the transfer processing unit 133 generates an error determination result. After the processing in step S312, the transfer processing unit 133 advances the processing to step S313.

  In step S313, the transfer processing unit 133 transmits the file determination result to the financial institution server 30. That is, the transfer processing unit 133 transmits the determination result of the file to the financial institution server 30 via the NW communication unit 11.

  Next, the financial institution server 30 transmits the file determination result to the terminal device 20 (Step S314). That is, the financial institution server 30 transmits the determination result of the file received from the relay server 10 to the terminal device 20.

Next, the terminal device 20 determines whether an error determination result has been received (Step S315). That is, the terminal device 20 determines whether the received determination result of the collective billing file is an error determination result. When the terminal device 20 receives the error determination result (step S315: YES), the terminal device 20 ends the transfer record request process based on the collective request. In addition, the terminal device 20 displays on the display unit 23 a display prompting the user to confirm and correct the error determination portion of the collective billing file, and perform the transfer record request processing by the collective billing again using the corrected collective billing file. You may make it perform.
If the terminal device 20 has not received the error determination result (step S315: NO), the terminal device 20 advances the processing to step S316.

  In step S316, the terminal device 20 transmits a transfer approval notification to the financial institution server 30. The terminal device 20 obtains the transfer approval from the user via the input unit 22 and transmits a transfer approval notification to the financial institution server 30.

  Next, the financial institution server 30 transmits the transfer approval to the relay server 10 (step S317). That is, the financial institution server 30 transmits the transfer approval received from the terminal device 20 to the relay server 10.

  Next, the relay server 10 transmits the transfer record request for the collective request to the electronic bond recording institution system 40 (step S318). That is, the transfer processing unit 133 transmits the above-described transfer record request for a collective request to the electronic bond recording institution system 40 via the NW communication unit 11 in response to the transfer approval from the user.

  Next, the electronic bond recording institution system 40 executes a transfer recording process based on the transfer recording request for the collective request (step S319). That is, the electronic bond recording institution system 40 stores a record of transferring the electronically recorded bond to the designated transfer account based on the transfer record request for the collective request.

Next, the electronic bond recording institution system 40 transmits a transfer record completion notification to the relay server 10 (step S320).
Next, the relay server 10 transmits a transfer record completion notification to the financial institution server 30 (step S321). That is, the transfer processing unit 133 transmits a completion notification of the transfer record request to the financial institution server 30 via the NW communication unit 11.

  Next, the financial institution server 30 transmits a transfer record completion notification to the terminal device 20 (step S322). That is, the financial institution server 30 transmits the completion notification of the transfer record request received from the relay server 10 to the terminal device 20, and the terminal device 20 ends the transfer record request process by the collective request.

  As described above, the electronically recorded receivables processing system 1 executes the transfer recording request processing based on the normal request. In FIG. 13 described above, the process of step S309 corresponds to a transfer information obtaining step, and the processes of steps S310 to S213 and step S218 correspond to a transfer process step.

  As described above, the relay server 10 (server device) according to the present embodiment includes the account storage unit 121 without guarantee, the transfer information acquisition unit 132, and the transfer processing unit 133. The non-guaranteed account storage unit 121 stores non-guaranteed account information indicating a transferred account to which an electronically recorded receivable is transferred without a guarantee. The transfer information acquiring unit 132, when performing the transfer processing of the electronically recorded claim based on the transfer request from the terminal device 20, the bond identification information (for example, the record number) for identifying the electronically recorded claim, and the electronically recorded claim Acquire account information indicating the transfer destination account. When the account information obtained by the transfer information obtaining unit 132 matches the non-guaranteed account information stored in the non-guaranteed account storage unit 121, the transfer processing unit 133 includes the loan identification information and the account information. A transfer record request in which the guarantee accompanying information designating the presence or absence of guarantee is designated without guarantee is transmitted to the electronic bond recording institution system 40 which records the electronic record bond.

Accordingly, the relay server 10 according to the present embodiment can easily assign the electronically recorded receivable without guarantee by designating the account without guarantee previously stored (registered) in the account without guarantee storage unit 121 as the account of the transfer destination. It can be performed. For example, the relay server 10 according to the present embodiment can transfer electronically recorded receivables with a high degree of freedom without guarantee, without being limited to the financial institution that has applied for the additional function. Therefore, the relay server 10 according to the present embodiment can improve the convenience in transferring the electronically recorded receivables.
In addition, the relay server 10 according to the present embodiment assigns the non-guaranteed account to the non-guaranteed account stored (registered) in the non-guaranteed account storage unit 121 in advance in order to permit the transfer of the electronically recorded receivable without guarantee. It is possible to reduce the possibility that an unknown user may execute a transfer without guarantee by mistake.

Further, in the present embodiment, when the account information matches the account information without guarantee, the transfer processing unit 133 transmits the electronically recorded loan without guarantee before transmitting the transfer record request to the electronic credit recording institution system 40. Is transmitted to the terminal device 20 to indicate that the transfer process is executed.
Thereby, the terminal device 20 can present and confirm to the user that the transfer process of the electronically recorded receivable is executed without guarantee. Therefore, the relay server 10 according to the present embodiment can perform the unsecured transfer of the electronically recorded receivable with a high degree of freedom while further reducing the possibility that the user mistakenly executes the unsecured transfer.

  In the present embodiment, the transfer information acquiring unit 132 acquires a collective billing file (transfer request file) including at least the set information of the credit identification information and the account information. When the account information of the group information included in the consolidated billing file matches the unguaranteed account information stored in the unguaranteed account storage unit 121, the transfer processing unit 133 designates the group information and the unguaranteed account information. A transfer record request including the obtained guarantee accompanying information is transmitted to the electronic bond recording agency system 40.

  Thereby, the relay server 10 according to the present embodiment can perform the transfer without guarantee of the electronically recorded receivables by the simple method of transmitting the collective billing file. For example, by including a plurality of transfer requests in the consolidated billing file, the relay server 10 according to the present embodiment can appropriately transfer a plurality of electronically recorded receivables including a transfer without guarantee by a single process. Therefore, the relay server 10 according to the present embodiment can further improve the convenience in transferring the electronically recorded receivables.

  Further, in the present embodiment, the transfer information acquiring unit 132 acquires a collective billing file including at least the set information of the loan identification information and the account information and the accompanying information of guarantee. The transfer processing unit 133 determines that the account information of the group information included in the collective billing file matches the non-guaranteed account information stored in the non-guaranteed account storage unit 121, and that the accompanying warranty information corresponding to the group information is In the case of the specification with the guarantee, the information indicating that the setting corresponding to the set information is an error is transmitted to the terminal device 20.

  As a result, the relay server 10 according to the present embodiment can, for example, present to the user and confirm it when the transfer request in the consolidated billing file includes an inappropriate setting. Therefore, the relay server 10 according to the present embodiment can appropriately transfer a plurality of electronically recorded receivables while further reducing the possibility that the user will erroneously execute the transfer without guarantee.

Further, the relay server 10 according to the present embodiment includes an account registration processing unit 131 (registration processing unit) that stores the non-guaranteed account information in the non-guaranteed account storage unit 121 in response to a registration request for registering unguaranteed account information. ing.
As a result, the relay server 10 according to the present embodiment can add an account without guarantee, and thus can perform a transfer without any guarantee of the electronically recorded receivable with a higher degree of freedom.

  The non-guaranteed account information may include information indicating the validity period of the non-guaranteed account (for example, “application start date” and “application end date” shown in FIG. 2). As a result, the relay server 10 according to the present embodiment can permit the transfer of the electronically recorded claim without guarantee for a limited period.

The electronically recorded bond processing system 1 according to the present embodiment includes the above-described relay server 10.
Accordingly, the electronically recorded bond processing system 1 according to the present embodiment has the same effect as the above-described relay server 10, and can improve the convenience in transferring the electronically recorded bond.

The electronically recorded loan processing method according to the present embodiment is performed by the relay server 10 including the unguaranteed account storage unit 121 that stores unguaranteed account information indicating a transfer account to which the electronically recorded loan is transferred without guarantee. A processing method including a transfer information obtaining step and a transfer processing step. In the transfer information obtaining step, when the transfer information obtaining unit 132 executes the transfer processing of the electronically recorded loan based on the transfer request from the terminal device 20, the loan identification information for identifying the electronically recorded loan, Acquire account information indicating the transfer destination account. In the transfer processing step, when the account information obtained in the transfer information obtaining step matches the non-guaranteed account information stored in the non-guaranteed account storage unit 121, the transfer processing unit 133 converts the receivable identification information and the account information. A transfer record request including the guarantee accompanying information that specifies whether or not there is a guarantee in the transfer without any guarantee is transmitted to the electronic bond recording institution system 40 that records the electronically recorded bond.
Thus, the electronically recorded loan processing method according to the present embodiment has the same effect as the above-described relay server 10, and can improve the convenience in transferring the electronically recorded loan.

The present invention is not limited to the above embodiments, and can be modified without departing from the spirit of the present invention.
For example, in the above embodiment, an example has been described in which communication between the relay server 10 and the terminal device 20 is performed via the financial institution server 30. However, communication may be performed without via the financial institution server 30. Good.

Further, in the above embodiment, the example has been described in which the relay server 10 and the financial institution server 30 are configured as separate devices, but the relay server 10 and the financial institution server 30 may be configured as one device. . In addition, a part of the configuration of the relay server 10 may be included in the financial institution server 30, or a part of the configuration of the financial institution server 30 may be included in the relay server 10.
Further, in the above embodiment, the example in which the relay server 10 is configured by one device has been described. However, the relay server 10 may be configured by a plurality of devices (for example, a plurality of server devices), and further, may be configured by a plurality of devices. May be connected via a network.

Further, in the above embodiment, the example in which the relay server 10 includes the account registration processing unit 131 that registers the account information without guarantee in the account storage unit 121 without guarantee has been described. An account management processing unit for performing deletion may be provided. In this case, account information without guarantee can be added, changed, or deleted, so that convenience in transferring the electronically recorded receivables can be further improved.
Further, in the above embodiment, the example in which the electronically recorded loan processing system 1 has the additional function of permitting the transfer of the electronically recorded loan without guarantee to the previously applied financial institution has been described. May not be provided.

Each of the components included in the electronically recorded loan processing system 1 and the relay server 10 has a computer system therein. Then, a program for realizing the functions of the components included in the above-described electronically recorded receivables processing system 1 and the relay server 10 is recorded on a computer-readable recording medium, and the program recorded on this recording medium is stored in a computer system. By reading and executing the processing, the processing in each configuration provided in the electronically recorded bond processing system 1 and the relay server 10 described above may be performed. Here, "to make the computer system read and execute the program recorded on the recording medium" includes installing the program in the computer system. The “computer system” here includes an OS and hardware such as peripheral devices.
Further, the “computer system” may include a plurality of computer devices connected via a network including a communication line such as the Internet, a WAN, a LAN, and a dedicated line. The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in a computer system. As described above, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

  The recording medium also includes an internal or external recording medium accessible from the distribution server for distributing the program. It should be noted that the program is divided into a plurality of parts, and after the programs are downloaded at different timings, the configuration of the electronic record receivables processing system 1 and the relay server 10 combined with each other, and the distribution server that distributes each of the divided programs differs. May be. Further, the “computer-readable recording medium” holds a program for a certain period of time, such as a volatile memory (RAM) in a computer system serving as a server or a client when the program is transmitted via a network. Shall be included. Further, the program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

  Further, some or all of the above functions may be realized as an integrated circuit such as an LSI (Large Scale Integration). Each of the above-described functions may be individually formed into a processor, or a part or all of the functions may be integrated into a processor. The method of circuit integration is not limited to an LSI, and may be realized by a dedicated circuit or a general-purpose processor. Further, in the case where a technology for forming an integrated circuit that replaces the LSI appears due to the advance of the semiconductor technology, an integrated circuit based on the technology may be used.

REFERENCE SIGNS LIST 1 electronic record receivables processing system 10 relay server 11 NW communication unit 12 server storage unit 13 server control unit 20 terminal device 22 input unit 23 display unit 30 financial institution server 40 electronic receivable record institution system 121 unsecured account storage unit 122 additional function setting Storage unit 123 Collective billing file storage unit 131 Account registration processing unit 132 Assignment information acquisition unit 133 Assignment processing unit NW1 network

Claims (8)

A non-guaranteed account storage unit that stores unguaranteed account information indicating a transfer account that receives and transfers electronically recorded receivables without guarantee;
When executing the transfer processing of the electronically recorded receivables based on the transfer request from the terminal device, obtain the loan identification information for identifying the electronically recorded receivables and the account information indicating the account of the transfer destination of the electronically recorded receivables. A transfer information acquisition unit,
Before transmitting the transfer record request to the electronic bond recording agency system that records the electronic record bond, the account information obtained by the transfer information obtaining unit and the non-guaranteed account information stored in the non-guaranteed account storage unit And whether the acquired account information and the non-guaranteed account information stored in the non-guaranteed account storage unit match, when the receivable identification information and the account information are wherein, the server apparatus characterized by comprising a transfer processing unit for transmitting guarantee the transfer recording according to the warranty associated information specifying whether the specified without guarantee of the transfer, the electronic creditor recording engine system.   The transfer processing unit further uses an additional function that permits selection of the presence or absence of a guarantee only in advance to a desired financial institution, and when no additional guarantee is specified by the additional function, the transfer of the guarantee accompanying information Sending the transfer record request specified without guarantee to the electronic credit recording agency system
  The server device according to claim 1, wherein: When the account information and the account information without guarantee match, the transfer processing unit performs the transfer processing of the electronically recorded receivable without guarantee before transmitting a transfer record request to the electronic receivable recording agency system. The server device according to claim 1 or 2 , wherein information indicating execution is transmitted to the terminal device. The transfer information acquiring unit acquires a file of the transfer request including at least a set of the claim identification information and the account information,
The transfer processing unit, when the account information of the group information included in the file of the transfer request, the non-guaranteed account information stored in the non-guaranteed account storage unit matches, the group information and The server device according to claim 1 or 2 , wherein the transfer record request including the guarantee accompanying information designated without a guarantee is transmitted to the electronic credit recording agency system. The transfer information obtaining unit obtains the transfer request file including at least the group information and the guarantee accompanying information,
The transfer processing unit, the account information of the group information included in the file of the transfer request, the non-guaranteed account information stored in the non-guaranteed account storage unit matches, and, The information indicating that the setting corresponding to the set information is an error is transmitted to the terminal device when the corresponding assurance incidental information is the designation with the guarantee. The method according to claim 4 , wherein Server device. Depending on the registration request to register without the guarantee account information, any one of claims 1 to 5, characterized in that it comprises a registration unit for storing the guarantee no account information to the guaranteed without account storage unit The server device according to item. An electronically recorded loan processing method executed by a server device including an unguaranteed account storage unit that stores unguaranteed account information indicating a transfer account to receive and transfer an electronically recorded claim without guarantee,
When executing the transfer processing of the electronically recorded receivables based on the transfer request from the terminal device, obtain the loan identification information for identifying the electronically recorded receivables and the account information indicating the account of the transfer destination of the electronically recorded receivables. Transfer information acquisition step;
Before transmitting the transfer record request to the electronic bond recording organization system that records the electronic record bond, the account information obtained by the transfer information obtaining step and the non-guaranteed account information stored in the non-guaranteed account storage unit. And whether the acquired account information and the non-guaranteed account information stored in the non-guaranteed account storage unit match, when the receivable identification information and the account information are wherein, the electronic recording receivables processing method comprising the transfer process sending guarantees the transfer recording according to the warranty associated information specifying whether the specified without guarantee of the transfer, the electronic creditor recording engine system. A computer as a server device having an unguaranteed account storage unit that stores unguaranteed account information indicating a transfer account that receives and transfers electronically recorded receivables without guarantee,
When executing the transfer processing of the electronically recorded receivables based on the transfer request from the terminal device, obtain the loan identification information for identifying the electronically recorded receivables and the account information indicating the account of the transfer destination of the electronically recorded receivables. Transfer information acquisition step;
Before transmitting the transfer record request to the electronic bond recording organization system that records the electronic record bond, the account information obtained by the transfer information obtaining step and the non-guaranteed account information stored in the non-guaranteed account storage unit. And whether the acquired account information and the non-guaranteed account information stored in the non-guaranteed account storage unit match, when the receivable identification information and the account information are wherein a program for executing the transfer processing step of transmitting a guarantee the transfer recording according to the warranty associated information specifying whether the specified without guarantee of the transfer, the electronic creditor recording engine system.

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