JP6826920B2 - Server device, electronically recorded loan search method, and program - Google Patents

Description

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

In recent years, instead of paper-type bills and accounts receivable, which have been used as a means of settlement of business-to-business transactions, electronically recorded receivables based on the Electronically Recorded Receivables Act enacted in December 2008 have been used. As a system using such an electronically recorded claim, for example, a system using Densai Net (registered trademark), which is one of the systems of an electronic claim recording institution (hereinafter referred to as an electronic claim recording institution system), is used. It is known (see, for example, Patent Document 1).

JP-A-2015-90585

For example, when searching for an electronically recorded claim recorded in the above-mentioned electronic claim recording institution system, the function of disclosing the recorded items provided in the electronic claim recording institution system is used.
However, the disclosure function of this recorded matter does not have a function of searching electronically recorded receivables by the scheduled settlement date such as the scheduled payment date or the scheduled payment date that is actually settled by the financial institution. Therefore, the conventional system using the electronically recorded bond recording institution system has a problem that the convenience when searching for the electronically recorded bond is poor.

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 claim search method, and a program capable of improving convenience when searching for an electronically recorded claim. It is in.

In order to solve the above problem, one aspect of the present invention comprises a search condition acquisition unit that acquires a search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device from the user, and the search condition acquisition unit. The settlement date included in the acquired search condition is converted into a payment date scheduled to be settled on the settlement date, and the electronically recorded claim matching the search condition including the converted payment date The disclosure request generation unit that generates the disclosure request requesting disclosure and the disclosure request generated by the disclosure request generation unit are transmitted to the electronic claim recording institution system that records the electronically recorded claim, and the disclosure request is met. The electronically recorded claim that matches the search condition based on the disclosure request processing unit that acquires the disclosure request result transmitted by the electronic bond recording institution system and the disclosure request result acquired by the disclosure request processing unit. It is a server device characterized by including an output processing unit that outputs output information related to the above.

Further, in one aspect of the present invention, in the server device, the search condition acquisition unit sets the user as a creditor when executing a payment schedule confirmation process for confirming the electronically recorded bond to be paid. At the same time, the search condition including the scheduled payment date is acquired as the scheduled settlement date, and the disclosure request generation unit converts the scheduled payment date into the payment due date when the payment schedule confirmation process is executed. It is characterized by generating the disclosure request including the converted payment due date and information indicating the creditor.

Further, in one aspect of the present invention, in the server device, the search condition acquisition unit sets the user as a debtor when executing a payment schedule confirmation process for confirming the electronically recorded credit to be paid. At the same time, the search condition including the scheduled payment date is acquired as the scheduled settlement date, and the disclosure request generation unit converts the scheduled payment date into the payment due date when the payment schedule confirmation process is executed. It is characterized by generating the disclosure request including the converted payment due date and information indicating the obligor.

Further, one aspect of the present invention is that, in the server device, when the disclosure request generation unit executes the payment schedule confirmation process, the electronically recorded claim is repaid by a method other than remittance between accounts. The disclosure request including the search condition for searching both the electronically recorded claim having the payment record shown and the electronically recorded claim not having the payment record is generated, and the output processing unit generates the payment schedule confirmation process. Is executed, based on the disclosure request result, the parent claim information of the divided electronically recorded claim is extracted, and the electronically recorded claim associated with the extracted parent claim information, such as the payment, etc. It is characterized in that information regarding the electronically recorded claim having no record is output as the output information.

Further, in one aspect of the present invention, in the server device, the output processing unit generates display information to be displayed on the terminal device as the output information, and outputs the generated display information to the terminal device. It is characterized by.

Further, one aspect of the present invention is characterized in that, in the server device, the output processing unit generates a data file having a predetermined format as the output information, and outputs the generated data file to the terminal device. And.

Further, one aspect of the present invention is a search condition acquisition step in which the search condition acquisition unit acquires a search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device from the user in the server device, and a disclosure request. The generation unit converts the scheduled settlement date included in the search condition acquired by the search condition acquisition step into a payment date scheduled to be settled on the scheduled settlement date, and includes the converted payment date. A disclosure request generation step for generating a disclosure request for requesting disclosure of the electronically recorded claim that matches the search condition, and the disclosure request processing unit generates the disclosure request generated by the disclosure request generation step for the electronically recorded claim. A disclosure request processing step of transmitting to the electronic bond recording institution system to record and acquiring the disclosure request result transmitted by the electronic bond recording institution system in response to the disclosure request, and an output processing unit by the disclosure request processing step. The electronically recorded claim search method is characterized by executing an output processing step of outputting output information regarding the electronically recorded claim that matches the search condition based on the acquired disclosure request result.

Further, one aspect of the present invention is acquired by a search condition acquisition step of acquiring a search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device from the user, and the search condition acquisition step. The scheduled settlement date included in the search condition is converted into a payment date scheduled to be settled on the scheduled settlement date, and disclosure of the electronically recorded claim matching the search condition including the converted payment date is requested. The disclosure request generation step for generating the disclosure request and the disclosure request generated by the disclosure request generation step are transmitted to the electronic claim recording institution system for recording the electronically recorded claim, and the disclosure request is made in response to the disclosure request. Output information regarding the electronically recorded bond that matches the search condition based on the disclosure request processing step for acquiring the disclosure request result transmitted by the electronic bond recording institution system and the disclosure request result acquired by the disclosure request processing step. It is a program for executing an output processing step that outputs.

According to the present invention, it is possible to improve the convenience when searching for an electronically recorded claim.

It is a functional block diagram which shows an example of the electronically recorded credit processing system by this embodiment. It is a figure which shows an example of the disclosure request of the payment schedule confirmation in this embodiment. It is a figure which shows an example of the disclosure request of payment schedule confirmation in this embodiment. It is a figure which shows an example of the operation of the electronically recorded credit processing system by this embodiment. It is a figure which shows an example of the input screen of the search condition of the payment schedule confirmation in this embodiment. It is a figure which shows the output example of the search result of the payment schedule confirmation in this embodiment. It is a figure which shows the output example of the search result of the payment schedule confirmation in this embodiment. It is an image diagram which shows an example of the file output of the payment schedule in this embodiment. It is an image diagram which shows an example of the file output of the payment schedule detail list in this embodiment. It is an image diagram which shows an example of the file output of the payment schedule in this embodiment. It is an image diagram which shows an example of the file output of the payment schedule detail list in this embodiment. It is a flowchart which shows an example of the operation of the relay server in this embodiment. It is a flowchart which shows an example of the payment schedule confirmation processing of the relay server in this embodiment. It is a flowchart which shows an example of the payment schedule confirmation processing of the relay server in this embodiment.

Hereinafter, the server device, the electronically recorded claim search method, and the program according to the embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a functional block diagram showing an example of the electronically recorded claim processing system 1 according to the present embodiment.
As shown in FIG. 1, the electronically recorded credit processing system 1 includes a relay server 10, a terminal device 20, a financial institution server 30, and an electronic credit recording institution system 40. The relay server 10, the terminal device 20, the financial institution server 30, and the electronic credit 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 credit processing system 1, and is, for example, a personal computer. Here, the user is, for example, a company having an account at a financial institution, which can be either a creditor or a debtor. Further, the terminal device 20 includes a NW (network) communication unit 21, an input unit 22, a display unit 23, a terminal storage unit 24, and a terminal control unit 25.
In the example shown in FIG. 1, for convenience of explanation, the electronically recorded claim processing system 1 is provided with one terminal device 20, but a plurality of terminal devices 20 may be provided.

The NW communication unit 21 connects to the network NW1 by using, for example, wired LAN (Local Area Network) communication, wireless LAN communication, etc., and communicates various information via the network NW1. The NW communication unit 21 connects to the financial institution server 30 via the network NW1, for example, and communicates various information.

The input unit 22 is, for example, an input device such as a keyboard or a mouse, and receives various inputs to the terminal device 20. The input unit 22 receives, for example, the input of information necessary for various processes related to Internet banking and electronically recorded claims by the user of the terminal device 20.
The display unit 23 is, for example, a liquid crystal display device or the like, and displays various information. The display unit 23 displays, for example, an operation menu for various processes related to Internet banking and electronically recorded claims, input information, and inquiry results (search results) of electronically recorded claims.

The terminal storage unit 24 stores information used for various processes of the terminal device 20. The terminal storage unit 24 stores, for example, a data file showing the results of payment schedule confirmation and payment schedule confirmation, which are the inquiry results of electronically recorded claims, which will be described later.

The terminal control unit 25 is, for example, a processor including a CPU (Central Processing Unit) and the like, and controls the terminal device 20 in an integrated manner. The terminal control unit 25 executes, for example, various processes related to the electronically recorded claim. For example, in the inquiry processing of the electronically recorded claim, the terminal control unit 25 acquires the search condition including the range of the scheduled settlement date to be inquired via the input unit 22, and the acquired search condition is transmitted to the NW communication unit 21. And sends it to the financial institution server 30. Further, the terminal control unit 25 acquires display information or a data file indicating a search result (inquiry result) from the financial institution server 30 via the NW communication unit 21, and causes the display unit 23 to display the acquired display information. Alternatively, the data file is stored in the terminal storage unit 24.

The financial institution server 30 is a server device owned by a financial institution, and provides, for example, an Internet bank service and a service related to electronically recorded credit. The financial institution server 30 includes a NW communication unit 31, a server storage unit 32, and a server control unit 33.

The NW communication unit 31 connects to the network NW1 by using, for example, wired LAN communication, and communicates various information via the network NW1. The NW communication unit 31 connects to the relay server 10 and the terminal device 20 via the network NW1, for example, and communicates various information.

The server storage unit 32 stores information used for various processes executed by the financial institution server 30. The server storage unit 32 includes, for example, a user information storage unit 321 which is a user database.
The user information storage unit 321 stores user information for logging in to the service of the Internet bank. The user information storage unit 321 stores user information including, for example, a user account, user identification information such as a user ID, and authentication information such as a password.

The server control unit 33 is, for example, a processor including a CPU and the like, and controls the financial institution server 30 in an integrated manner. The server control unit 33 executes, for example, a process of providing a service of an Internet bank or a service related to an electronically recorded bond. The server control unit 33 includes an electronically recorded claim processing unit 331.

The electronically recorded claim processing unit 331 executes a process of providing a service related to the electronically recorded claim. The electronically recorded claim processing unit 331 acquires, for example, the above-mentioned search conditions from the terminal device 20 via the NW communication unit 31, and transmits (transfers) the acquired search conditions to the relay server 10 via the NW communication unit 31. ). Further, the electronically recorded claim processing unit 331 acquires display information or data file indicating a search result (inquiry result) from the relay server 10 via the NW communication unit 31, and obtains the acquired display information or data file in the terminal device 20. Send (transfer) to.

The electronic credit recording institution system 40 is a system of an electronic credit recording institution, 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. The electronic bond recording institution system 40 includes a NW communication unit 41, an electronic bond information storage unit 42, and a bond control unit 43.

The NW communication unit 41 connects to the network NW1 by using, for example, wired LAN communication, and communicates various information via the network NW1. The NW communication unit 41 connects to the relay server 10 via the network NW1, for example, and communicates various information.
The electronic bond information storage unit 42 is a database for recording electronically recorded claims, and stores electronically recorded bond information. Here, the electronically recorded claim information is, for example, information indicating a recorded electronically recorded claim.

The credit control unit 43 is a processor including, for example, a CPU, and controls the electronic credit recording institution system 40 in an integrated manner. The credit control unit 43 searches for electronically recorded credit information stored in the electronic credit information storage unit 42 via the NW communication unit 41, for example, in response to a request for disclosure of recorded matters received from the relay server 10. The disclosure request result, which is the result, is transmitted to the relay server 10 via the NW communication unit 41.

The relay server 10 (an example of the server device) is inserted between the terminal device 20 and the financial institution server 30 and the electronic credit recording institution system 40, and the electronic credit recording institution system 40 by the terminal device 20 and the financial institution server 30 is inserted. Support use. For example, the relay server 10 acquires the search conditions for the electronically recorded claims from the terminal device 20 via the financial institution server 30, and generates a disclosure request for the recorded items based on the acquired search conditions. Further, the relay server 10 transmits the generated disclosure request to the electronic credit recording institution system 40.

Further, the relay server 10 receives the disclosure request result transmitted by the electronic credit recording institution system 40 in response to the disclosure request, and generates display information or output information which is a data file based on the received disclosure request result. .. The relay server 10 transmits the generated display information or output information, which is a data file, to the terminal device 20 via the financial institution server 30.
Further, the relay server 10 includes a 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 by using, for example, wired LAN communication, and communicates various information via the network NW1. The NW communication unit 11 connects to the financial institution server 30 and the electronic credit recording institution system 40 via the network NW1, for example, 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 disclosure request storage unit 121, a disclosure request result storage unit 122, and an output information storage unit 123.

The disclosure request storage unit 121 stores the disclosure request generated based on the search condition of the electronically recorded claim acquired from the terminal device 20. The details of the disclosure request will be described later.
The disclosure request result storage unit 122 stores the disclosure request result received from the electronic credit recording institution system 40.
The output information storage unit 123 stores the output information generated based on the disclosure request result. The output information storage unit 123 stores, for example, display information including a list of searched electronically recorded claims, which is displayed on the terminal device 20, as output information. In addition, the output information storage unit 123 stores, for example, a data file in a predetermined format including a list of searched electronically recorded claims as output information.

The server control unit 13 is, for example, a processor including a CPU and the like, and controls the relay server 10 in an integrated manner. In the present embodiment, the electronically recorded claim inquiry process (search process) includes a payment schedule confirmation process (payment schedule confirmation process) and a payment schedule confirmation process (payment schedule confirmation process). That is, the server control unit 13 executes, for example, a payment schedule confirmation process and a payment schedule confirmation process as an inquiry process for electronically recorded receivables.

Here, the payment schedule confirmation process is a confirmation process (search process) when the user is a creditor, and the electronically recorded claims scheduled to be deposited on the scheduled payment date set by the user (creditor). Check. In addition, the payment schedule confirmation process is a confirmation process (search process) when the user is the debtor, and confirms the electronically recorded receivables scheduled to be paid on the scheduled payment date set by the user (debtor). To do.
Further, the server control unit 13 includes, for example, a search condition acquisition unit 131, a disclosure request generation unit 132, a disclosure request processing unit 133, and an output processing unit 134.

The search condition acquisition unit 131 acquires the search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device 20 from the user. The search condition acquisition unit 131 acquires, for example, search conditions including at least the search range of the scheduled settlement date from the financial institution server 30 via the NW communication unit 11. For example, when executing the payment schedule confirmation process, the search condition acquisition unit 131 sets the user as a creditor and searches including the scheduled payment date (search range) as the scheduled settlement date (search range). Get the condition. Further, for example, when executing the payment schedule confirmation process, the search condition acquisition unit 131 sets the user as the debtor and sets the scheduled payment date (search range) as the scheduled settlement date (search range). Get the search conditions that include.

The disclosure request generation unit 132 converts the scheduled settlement date included in the search condition acquired by the search condition acquisition unit 131 into the payment due date scheduled to be settled on the scheduled settlement date.
Here, the scheduled settlement date is the date on which the settlement (payment or payment) is actually made, and is limited to the business day of the financial institution. On the other hand, the payment due date can be set to non-business days of financial institutions such as Saturday, Sunday, and public holidays. Therefore, the scheduled settlement date of the electronically recorded claim for which the payment date is set as a non-business day is the business day immediately after the payment date. That is, for electronically recorded receivables settled on the scheduled settlement date, the due date is the same as the scheduled settlement date, and if there is a non-business day immediately before, the payment due date is the immediately preceding non-business day. Is included. Therefore, the disclosure request generation unit 132 converts the acquired scheduled settlement date into (the range of) the payment due date including the immediately preceding non-business day. Here, to convert to (range) the payment due date is to obtain (the range) of the payment due date including the non-business day immediately before the scheduled settlement date from the acquired scheduled settlement date. Then, the disclosure request generation unit 132 generates a disclosure request requesting disclosure of the electronically recorded claim that matches the search condition including (range) of the converted payment date. The disclosure request generation unit 132 stores the generated disclosure request in the disclosure request storage unit 121.

For example, when executing the payment schedule confirmation process, the disclosure request generation unit 132 converts the scheduled payment date (search range) into the payment due date (search range), and the converted payment date (search range) Generates a disclosure request that includes information indicating the creditor. Here, with reference to FIG. 2, the details of the search condition acquired by the search condition acquisition unit 131 and the disclosure request generated by the disclosure request generation unit 132 when the payment schedule confirmation process is executed will be described.

FIG. 2 is a diagram showing an example of a disclosure request for confirmation of payment schedule in the present embodiment.
In FIG. 2, “setting item name” indicates a setting item in a disclosure request for confirmation items. Further, among the setting items, the items in which "○" is added to the "screen input" are the setting items acquired by the terminal device 20 from the user, and are included in the search conditions acquired by the search condition acquisition unit 131. It is an item to be. That is, when executing the payment schedule confirmation process, the search condition acquisition unit 131 acquires the search conditions including the "settlement account information", the "disclosure unit", and the "scheduled payment date" (scheduled payment date). The "settlement account information" is information that identifies the settlement account (for example, an account number), and the "disclosure unit" is an account unit (user unit) that is a search unit or information that specifies an account unit. is there. Further, the "scheduled settlement date" (scheduled payment date) is, for example, information indicating a search range of the scheduled payment date.

Further, "setting contents" indicates the contents of each setting item. In the "setting contents", "-(cannot be set)" indicates an item that cannot be set in the disclosure request, and "no setting" indicates an item that is not set. Further, among the setting items, the items in which "○" is assigned to the "internal setting items" are the setting items for which the disclosure request generation unit 132 internally sets. When executing the payment schedule confirmation process, the disclosure request generation unit 132 uses "(request number)", "disclosure method / unit", "processing method classification", "(disclosure search method)", and "claimer classification". (Position) ”,“ Scheduled settlement date ”(Scheduled payment date),“ Presence / absence of records such as forced execution ”, and“ Presence / absence of records such as payment ”are internally set (internally generated) to generate a disclosure request.

Specifically, when executing the payment schedule confirmation process, the disclosure request generation unit 132 sets "1: latest information disclosure (extract)" to the "disclosure method / unit" of the disclosure request and sets it to "processing method classification". "2: Asynchronous processing" is set, "1: Recorded matter disclosure (user)" is set in "Processing method classification", and "2: Position" is set in "(Disclosure search method)". Further, the disclosure request generation unit 132 sets "01: creditor" (information indicating the creditor) in the "claimer category (position)" of the disclosure request when executing the payment schedule confirmation process. , Convert the "scheduled settlement date" (scheduled payment date) to the settlement date (search range) and set it. The disclosure request generation unit 132 sets the automatically assigned request number in "(request number)".
In this way, the disclosure request generation unit 132 generates a disclosure request as shown in FIG. 2 when executing the payment schedule confirmation process.

Further, for example, when executing the payment schedule confirmation process, the disclosure request generation unit 132 converts the scheduled payment date (search range) into the payment due date (search range), and the converted payment date (search range). ) And information indicating the obligor. Here, with reference to FIG. 3, the details of the search condition acquired by the search condition acquisition unit 131 and the disclosure request generated by the disclosure request generation unit 132 when the payment schedule confirmation process is executed will be described.

FIG. 3 is a diagram showing an example of a disclosure request for confirmation of payment schedule in the present embodiment.
In FIG. 3, the “setting item name” indicates the setting item in the disclosure request of the confirmation item, as in FIG. Further, as shown in the "screen input", when the payment schedule confirmation process is executed, the search condition acquisition unit 131 uses the "settlement account information", the "disclosure unit", and the "scheduled payment date" (scheduled payment date). ) Is included in the search condition. The "settlement account information" is information that identifies the settlement account (for example, an account number), and the "disclosure unit" is an account unit (user unit) that is a search unit or information that specifies an account unit. is there. The "scheduled payment date" (scheduled payment date) is, for example, information indicating a search range of the scheduled payment date.

In addition, when executing the payment schedule confirmation process, the disclosure request generation unit 132 includes "(request number)", "disclosure method / unit", "processing method classification", and "(disclosure search) among the setting items. Method) ”,“ Claimor classification (position) ”, and“ Scheduled payment date ”(scheduled payment date) are internally set (internally generated) to generate a disclosure request. When executing the payment schedule confirmation process, the disclosure request generation unit 132 sets the setting items of "presence / absence of recording of forced execution, etc." and "presence / absence of recording of payment, etc." to "no setting".

Specifically, when executing the payment schedule confirmation process, the disclosure request generation unit 132 sets "1: latest information disclosure (extract)" to the "disclosure method / unit" of the disclosure request and sets it to "processing method classification". "2: Asynchronous processing" is set, "1: Recorded matter disclosure (user)" is set in "Processing method classification", and "2: Position" is set in "(Disclosure search method)". Further, the disclosure request generation unit 132 sets "02: debtor" (information indicating the debtor) in the "claimer category (position)" of the disclosure request when executing the payment schedule confirmation process. , Convert the "scheduled payment date" (scheduled payment date) to the settlement date (search range) and set it. The disclosure request generation unit 132 sets the automatically assigned request number in "(request number)".
In this way, the disclosure request generation unit 132 generates a disclosure request as shown in FIG. 3 when executing the payment schedule confirmation process.

The search condition in which "presence or absence of payment record" is "no setting" is an electronically recorded claim with a payment record indicating that the electronically recorded claim has been repaid by a method other than remittance between accounts, and a payment record. Means to search for both electronically recorded loans that do not have. Therefore, the disclosure request generation unit 132 has an electronically recorded claim having a payment record indicating that the electronically recorded claim has been repaid by a method other than remittance between accounts when executing the payment schedule confirmation process, and a payment record. Generate a disclosure request that includes search criteria to search for both electronically recorded receivables.

The disclosure request processing unit 133 transmits the disclosure request generated by the disclosure request generation unit 132 to the electronic bond recording institution system 40 that records the electronically recorded claims, and the electronic claim recording institution system 40 transmits in response to the disclosure request. Obtain the disclosure request result. For example, when the disclosure request processing unit 133 executes the payment schedule confirmation process, the disclosure request storage unit 121 stores the disclosure request as shown in FIG. 2 via the NW communication unit 11 and makes an electronic claim. It is transmitted to the recording institution system 40. Further, the disclosure request processing unit 133, for example, when executing the payment schedule confirmation process, makes a disclosure request as shown in FIG. 3 stored in the disclosure request storage unit 121 via the NW communication unit 11. It is transmitted to the electronic credit recording institution system 40.

Further, the disclosure request processing unit 133 acquires the disclosure request result transmitted by the electronic credit recording institution system 40 via the NW communication unit 11. The disclosure request processing unit 133 stores the acquired disclosure request result in, for example, the disclosure request result storage unit 122.

The output processing unit 134 outputs output information regarding the electronically recorded claim that matches the search condition based on the disclosure request result acquired by the disclosure request processing unit 133. The output processing unit 134 generates, for example, a list of electronically recorded claims in which information necessary for confirmation is extracted from the disclosure request result stored in the disclosure request result storage unit 122 as output information. For example, the output processing unit 134 generates display information to be displayed on the terminal device 20 as output information, and stores the generated display information in the output information storage unit 123. Further, the output processing unit 134 generates a data file (for example, a PDF file, a CSV file, a fixed length file, etc.) having a predetermined format as output information, and stores the generated display information in the output information storage unit 123.

Specifically, for example, when executing the payment schedule confirmation process, the output processing unit 134 generates display information and a data file of the payment schedule and the payment schedule details list based on the disclosure request result. Further, the output processing unit 134 generates display information and a data file of the payment schedule and the payment schedule details list based on the disclosure request result, for example, when executing the payment schedule confirmation process. The details of the payment schedule and the payment schedule details list and the payment schedule and the payment schedule details list will be described later.

Further, when the output processing unit 134 executes the payment schedule confirmation process, the output processing unit 134 extracts the parent credit information of the divided electronically recorded claims based on the disclosure request result, and associates the extracted parent credit information with the electronic data. Information on electronically recorded receivables that are recorded receivables and have no records such as payments is generated as output information. In addition, the output processing unit 134 excludes the extinguished electronically recorded claims and the canceled electronically recorded claims from the disclosure request results, and generates output information.
Further, the output processing unit 134 outputs the generated output information (for example, the above-mentioned display information and data file) to the terminal device 20 via the financial institution server 30. That is, the output processing unit 134 transmits the output information stored in the output information storage unit 123 to the financial institution server 30 via, for example, the NW communication unit 11.

Next, the operation of the electronically recorded claim processing system 1 according to the present embodiment will be described with reference to the drawings.
FIG. 4 is a diagram showing an example of the operation of the electronically recorded claim processing system 1 according to the present embodiment.
In FIG. 4, first, the terminal device 20 transmits the login information to the financial institution server 30 (step S101). For example, the terminal device 20 transmits the user ID and password input by the user via the input unit 22 to the financial institution server 30 via the NW communication unit 21.

Next, the financial institution server 30 executes the login process (step S102). The server control unit 33 of the financial institution server 30 compares, for example, the user ID and password acquired from the terminal device 20 via the NW communication unit 31 with the user ID and password stored in the user information storage unit 321. If both match, the login of the user is approved. In this case, the server control unit 33 permits the processing related to the electronically recorded claim such as the claim information inquiry processing for inquiring the electronically recorded claim, assuming that the login process is successful.

Next, the server control unit 33 of the financial institution server 30 transmits the login result to the terminal device 20 (step S103). The server control unit 33 transmits the login result to the terminal device 20 via the NW communication unit 31. Here, it is assumed that the login process is successful.

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

Next, when the user selects the credit information inquiry processing (for example, payment schedule confirmation processing or payment schedule confirmation processing), the terminal device 20 selects the selected credit information inquiry processing on the financial institution server. Notify 30 (step S105). Here, it is assumed that the payment schedule confirmation process or the payment schedule confirmation process is selected.

Further, the financial institution server 30 transmits the selection of the credit information inquiry process notified from the terminal device 20 (for example, information indicating the payment schedule confirmation process or the payment schedule confirmation process) to the relay server 10 (step S106). .. The server control unit 13 of the relay server 10 determines, for example, whether to execute the payment schedule confirmation process or the payment schedule confirmation process by notifying the selection of the claim information inquiry process.

Next, the terminal device 20 accepts the input of the search condition (step S107). That is, the terminal control unit 25 of the terminal device 20 causes the display unit 23 to display the search condition input screen G1 as shown in FIG. Then, the terminal control unit 25 receives the search condition via the input unit 22.
FIG. 5 is a diagram showing an example of an input screen of a search condition for confirmation of payment schedule in the present embodiment.
As shown in FIG. 5, the terminal control unit 25 inputs the "scheduled settlement date" (scheduled payment date), "disclosure unit", and "settlement account information" shown in FIG. 2 as search conditions for confirming the payment schedule. Is acquired via the input unit 22. Since the search condition input screen in the case of the payment schedule confirmation process is the same as in FIG. 5, the description thereof will be omitted here.

Next, the terminal device 20 transmits the search condition (including the scheduled settlement date) to the financial institution server 30 (step S108). That is, the terminal control unit 25 transmits the search condition acquired from the user to the financial institution server 30 via the NW communication unit 21.

Next, the financial institution server 30 transmits the search condition (including the scheduled settlement date) to the relay server 10 (step S109). That is, the electronically recorded credit processing unit 331 of the financial institution server 30 transmits the search condition received from the terminal device 20 via the NW communication unit 31 to the relay server 10 via the NW communication unit 31.

Next, the relay server 10 generates a disclosure request (including a payment due date) based on the search condition (step S110). For example, the search condition acquisition unit 131 of the relay server 10 acquires the search condition via the NW communication unit 11, and the disclosure request generation unit 132 generates a disclosure request including the payment due date based on the search condition. For example, the disclosure request generation unit 132 generates a disclosure request as shown in FIG. 2 described above when executing the payment schedule confirmation process, and stores the generated disclosure request in the disclosure request storage unit 121. Further, for example, the disclosure request generation unit 132 generates a disclosure request as shown in FIG. 3 described above when executing the payment schedule confirmation process, and stores the generated disclosure request in the disclosure request storage unit 121.

Next, the relay server 10 transmits a disclosure request (including a payment due date) to the electronic bond recording institution system 40 (step S111). That is, the disclosure request processing unit 133 of the relay server 10 transmits, for example, the disclosure request stored in the disclosure request storage unit 121 to the electronic credit recording institution system 40 via the NW communication unit 11.

Next, the electronic bond recording institution system 40 executes a search process based on the disclosure request (step S112). The credit control unit 43 of the electronic credit recording institution system 40 receives a disclosure request from the relay server 10 via the NW communication unit 41, and in response to the received disclosure request, the electronically recorded credit that matches the search condition of the disclosure request. Is extracted from the electronic bond information storage unit 42.

Next, the electronic bond recording institution system 40 transmits the disclosure request result to the relay server 10 (step S113). For example, the credit control unit 43 reads out all the extracted electronically recorded credit information from the electronic credit information storage unit 42, and uses the NW communication unit 41 as a disclosure request result for the read information of the electronically recorded credit. It is transmitted to the relay server 10.

Next, the relay server 10 generates output information (display information) based on the disclosure request result (step S114). The disclosure request processing unit 133 receives the disclosure request result from the electronic credit recording institution system 40 via the NW communication unit 11, and stores the received disclosure request result in the disclosure request result storage unit 122. Then, the output processing unit 134 generates output information (display information) which is a search result based on the disclosure request result stored in the disclosure request result storage unit 122.

The output processing unit 134 generates, for example, a payment schedule and a detailed list of payment schedules as shown in FIG. 6 based on the disclosure request result when executing the payment schedule confirmation process.
FIG. 6 is a diagram showing an output example of a search result for confirmation of payment schedule in the present embodiment.
FIG. 6A shows an example of display information of the payment schedule, and FIG. 6B shows an example of display information of the payment schedule details list.

As shown in FIG. 6A, the output processing unit 134 has the "statement No.", the "scheduled settlement date", the "payment account", and the "number of claims (cases)" based on the disclosure request result. And "Total amount of payment scheduled (yen)" are associated with each other to generate a payment schedule. For example, in the example shown in FIG. 6A, the “statement No.” is “1”, the “scheduled settlement date” is “2015/03/02”, and the “deposit account” is “normal 00000001 Kozameigi ○”. Corresponding to the electronically recorded claims that are "○○", it indicates that the "number of claims (cases)" is "30" and the "total amount to be paid (yen)" is "3,000,000". ..

Further, as shown in FIG. 6B, the output processing unit 134 includes "No.", "Record number", "Creditor information", and "Scheduled payment amount (yen)" based on the disclosure request result. ) ”And“ Order date / Payment date ”are associated with each other to generate a detailed list of payment schedules. For example, the detailed list of payment schedules shown in FIG. 6 (b) shows, for example, the detailed list in "1" of "Specification No." shown in FIG. 6 (a). For example, in the example shown in FIG. 6B, the electronically recorded claim whose "No." is "1" has a "record number" of "12345678901234500001" and "creditor information" of "ABC Co., Ltd." It shows that there is. In addition, the electronically recorded loan whose "No." is "1" has a "scheduled payment amount (yen)" of "1,000,000" and an "order date" of "2014/12/05". , Indicates that the "payment date" is "2015/03/01".

Further, the output processing unit 134 generates, for example, a payment schedule and a detailed list of payment schedules as shown in FIG. 7 based on the disclosure request result when executing the payment schedule confirmation process.
FIG. 7 is a diagram showing an output example of the search result of the payment schedule confirmation in the present embodiment.
FIG. 7A shows an example of display information of the payment schedule, and FIG. 7B shows an example of display information of the payment schedule details list.

As shown in FIG. 7A, the output processing unit 134 has the "statement No.", the "scheduled settlement date", the "payment account", and the "number of claims (cases)" based on the disclosure request result. And "Payment schedule total amount (yen)" are associated with each other. For example, in the example shown in FIG. 7A, the “statement No.” is “1”, the “scheduled settlement date” is “2015/03/02”, and the “payment account” is “normal 00000001 Kozameigi ○”. Corresponding to the electronically recorded claims that are "○○", the "number of claims (cases)" is "30 (with splits)" and the "total amount to be paid (yen)" is "3,000,000". Is shown. In the payment schedule confirmation process, the output processing unit 134 adds "(divided)" to the "number of claims (cases)" when there are divided electronically recorded claims.

Further, as shown in FIG. 7 (b), the output processing unit 134 has "No.", "Record number", "Creditor information", and "Scheduled payment amount (yen)" based on the disclosure request result. ) ”,“ Order date / payment due date ”, and“ Supplementary information ”are associated with each other to generate a detailed payment schedule list. When the disclosure request result includes divided electronically recorded claims, the output processing unit 134 extracts the parent claim information of the divided electronically recorded claims and adds the extracted parental claim information to the "supplementary information". To do.

For example, the detailed list of payment schedules shown in FIG. 7B shows, for example, the detailed list in “1” of “Specification No.” shown in FIG. 7 (a). For example, in the example shown in FIG. 7B, the electronically recorded claim whose "No." is "1" has a "record number" of "12345678901234500001" and "creditor information" of "ABC Co., Ltd." It shows that there is. In addition, the electronically recorded loan whose "No." is "1" has a "planned payment amount (yen)" of "1,000,000" and an "order date" of "2014/12/05". , Indicates that the "payment date" is "2015/03/01".

Further, for example, the electronically recorded claim whose "No." is "2" has a "record number" of "123456789012345000011" and "creditor information" of "DEF Co., Ltd. *". In addition, the electronically recorded loan whose "No." is "2" has a "planned payment amount (yen)" of "1,000,000" and an "order date" of "2014/12/05". , Indicates that the "payment date" is "2015/03/01". Further, since the electronically recorded claim whose "No." is "2" is a divided electronically recorded claim, "*" is added to the "creditor information" and added to the "supplementary information". However, it indicates that the parent credit information is "record number: 12345678901234500001".

In this way, based on the disclosure request result, the output processing unit 134 uses the payment schedule and the payment schedule details list as shown in FIG. 6 or the payment schedule as shown in FIG. 7 as output information (display information). And generate a detailed list of payment schedules. The output processing unit 134 stores the generated output information (display information) in the output information storage unit 123.

Next, the relay server 10 transmits the generated output information (display information) to the financial institution server 30 (step S115). That is, the output processing unit 134 transmits the output information (display information) stored in the output information storage unit 123 to the financial institution server 30 via the NW communication unit 11.

Next, the financial institution server 30 transmits the output information (display information) to the terminal device 20 (step S116). That is, the electronically recorded claim processing unit 331 transmits the output information (display information) received from the relay server 10 via the NW communication unit 31 to the terminal device 20 via the NW communication unit 31.

Next, the terminal device 20 displays the output information (display information) on the display unit 23 (step S117). For example, the terminal control unit 25 causes the display unit 23 to display the output information (display information) received via the NW communication unit 21.

Next, the terminal device 20 transmits the file output request to the financial institution server 30 (step S118). The terminal control unit 25 receives format information indicating the format of the data file (for example, a predetermined format such as a PDF file) when the user receives a request for file output of output information via the input unit 22. A file output request including the above is transmitted to the financial institution server 30 via the NW communication unit 21.

Next, the financial institution server 30 transmits the file output request to the relay server 10 (step S119). That is, the electronically recorded claim processing unit 331 transmits the file output request received from the terminal device 20 via the NW communication unit 31 to the relay server 10 via the NW communication unit 31.

Next, the relay server 10 generates a data file (output information) having a predetermined format (step S120). Based on the disclosure request result stored in the disclosure request result storage unit 122, the output processing unit 134 generates a data file having a predetermined format as output information which is a search result, similarly to the display information described above. The output processing unit 134 generates, for example, a data file of a payment schedule and a detailed list of payment schedules based on the disclosure request result when executing the payment schedule confirmation process.

FIG. 8 is an image diagram showing an example of file output of the payment schedule according to the present embodiment. Further, FIG. 9 is an image diagram showing an example of file output of a list of payment schedule details in the present embodiment.
The output processing unit 134 generates, for example, a payment schedule as shown in FIG. 8 and a data file of a detailed list of payment schedules as shown in FIG. 9 when executing the payment schedule confirmation process. The output processing unit 134 stores the generated output information (data file) in the output information storage unit 123.

Further, the output processing unit 134 generates, for example, a payment schedule and a data file of a payment schedule detail list based on the disclosure request result when executing the payment schedule confirmation process.
FIG. 10 is an image diagram showing an example of file output of the payment schedule according to the present embodiment. Further, FIG. 11 is an image diagram showing an example of file output of the payment schedule details list in the present embodiment.
The output processing unit 134 generates, for example, a payment schedule as shown in FIG. 10 and a data file of a payment schedule detail list as shown in FIG. 11 when executing the payment schedule confirmation process. The output processing unit 134 stores the generated output information (data file) in the output information storage unit 123.

Next, the relay server 10 transmits the generated output information (data file) to the financial institution server 30 (step S121). That is, the output processing unit 134 transmits the output information (data file) stored in the output information storage unit 123 to the financial institution server 30 via the NW communication unit 11.

Next, the financial institution server 30 transmits the output information (data file) to the terminal device 20 (step S122). That is, the electronically recorded claim processing unit 331 transmits the output information (data file) received from the relay server 10 via the NW communication unit 31 to the terminal device 20 via the NW communication unit 31.

Next, the terminal device 20 executes the file output process (step S123). For example, the terminal control unit 25 stores the output information (data file) received via the NW communication unit 21 in the terminal storage unit 24 as a data file.

Next, detailed processing of the relay server 10 according to the present embodiment will be described with reference to FIGS. 12 to 14. Here, the detailed operation of the relay server 10 regarding the inquiry processing of the electronically recorded claim will be described with reference to FIGS. 12 to 14.
FIG. 12 is a flowchart showing an example of the operation of the relay server 10 in the present embodiment.

As shown in FIG. 12, the relay server 10 determines the confirmation process selection (step S201). The server control unit 13 of the relay server 10 determines the confirmation process selection based on the information selected by the menu screen displayed on the display unit 23 by the terminal device 20, for example. For example, when the payment schedule confirmation is selected on the menu screen, the server control unit 13 determines that the confirmation process to be executed is "payment schedule confirmation" based on the selected information, and performs the process in step S202. Proceed to. Further, for example, when payment schedule confirmation is selected on the menu screen, the server control unit 13 determines that the confirmation process to be executed is "payment schedule confirmation" based on the selected information, and performs the process. Proceed to step S203.

In step S202, the server control unit 13 executes the payment schedule confirmation process. The server control unit 13 ends the process after the process of step S202.
Further, in step S203, the server control unit 13 executes the payment schedule confirmation process. The server control unit 13 ends the process after the process of step S203.

Next, with reference to FIG. 13, the details of the payment schedule confirmation process (process in step S202 of FIG. 12) of the relay server 10 will be described.
FIG. 13 is a flowchart showing an example of the payment schedule confirmation process of the relay server 10 in the present embodiment.
As shown in FIG. 13, the server control unit 13 of the relay server 10 first sets the user as a creditor (step S301).

Next, the search condition acquisition unit 131 of the server control unit 13 acquires the search condition including the scheduled payment date as the scheduled settlement date (step S302). The search condition acquisition unit 131 includes search conditions that include at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device 20 from the user (for example, in FIG. 2, "○" is added to "screen input". Information) is acquired from the terminal device 20 via the financial institution server 30.

Next, the disclosure request generation unit 132 converts the range of the scheduled payment date into the range of the due date (step S303). When there is a non-business day immediately before, the disclosure request generation unit 132 converts the acquired search range of the scheduled settlement date into a search range of the payment due date including the immediately preceding non-business day.

Next, the disclosure request generation unit 132 generates a disclosure request for payment search including the search range of the payment due date and the creditor information (step S304). The disclosure request generation unit 132 generates, for example, a disclosure request as shown in FIG. 2, and stores the generated disclosure request in the disclosure request storage unit 121.

Next, the disclosure request processing unit 133 transmits a disclosure request for deposit search to the electronic bond recording institution system 40 (step S305). For example, the disclosure request generation unit 132 reads the disclosure request as shown in FIG. 2 from the disclosure request storage unit 121, and transmits the disclosure request to the electronic credit recording institution system 40 via the NW communication unit 11.

Next, the disclosure request processing unit 133 acquires the disclosure request result from the electronic credit recording institution system 40 (step S306). The disclosure request processing unit 133 acquires the disclosure request result from the electronic credit recording institution system 40 via the NW communication unit 11, and stores the acquired disclosure request result in the disclosure request result storage unit 122.

Next, the output processing unit 134 excludes the extinguished or canceled electronic recording right bond from the disclosure request result (step S307). For example, the output processing unit 134 excludes the already extinguished electronic recording right bond and the erased electronic recording right bond from the disclosure request results stored in the disclosure request result storage unit 122 from the output information generation target.

Next, the output processing unit 134 generates display information indicating the payment schedule confirmation result based on the disclosure request result, and displays it on the terminal device 20 (step S308). The output processing unit 134 generates display information (output information) as shown in FIG. 6 based on the disclosure request result, and stores the generated display information (output information) in the output information storage unit 123. Then, the output processing unit 134 transmits the display information (output information) stored in the output information storage unit 123 to the terminal device 20 via the financial institution server 30, and the display information to the display unit 23 of the terminal device 20. Is displayed.

Next, the output processing unit 134 determines whether or not there is a file output instruction (step S309). The output processing unit 134 determines whether or not there is a file output instruction based on the file output request from the terminal device 20. The output processing unit 134 advances the processing to step S310 when there is a file output instruction (step S309: YES). Further, the output processing unit 134 advances the processing to step S311 when there is no file output instruction (step S309: NO).

In step S310, the output processing unit 134 generates a data file of the payment schedule confirmation result and outputs it to the terminal device 20. That is, the output processing unit 134 generates a data file (output information) as shown in FIGS. 8 and 9 described above as a data file of the payment schedule confirmation result, and the data file (output information) is output information storage unit. Store in 123. Then, the output processing unit 134 transmits the data file stored in the output information storage unit 123 to the terminal device 20 via the financial institution server 30. After the processing in step S310, the output processing unit 134 ends the processing.

Further, in step S311 the output processing unit 134 determines whether or not the processing is completed. The output processing unit 134 determines whether or not the processing is completed, for example, based on the end request from the terminal device 20. The output processing unit 134 ends the processing when the processing is completed (step S311: YES). Further, the output processing unit 134 returns the processing to step S309 when the processing is not completed (step S311: NO).

Next, with reference to FIG. 14, the details of the payment schedule confirmation process (process in step S203 of FIG. 12) of the relay server 10 will be described.
FIG. 14 is a flowchart showing an example of the payment schedule confirmation process of the relay server 10 in the present embodiment.
As shown in FIG. 14, the server control unit 13 of the relay server 10 first sets the user as the debtor (step S401).

Next, the search condition acquisition unit 131 of the server control unit 13 acquires the search condition including the scheduled payment date as the scheduled settlement date (step S402). The search condition acquisition unit 131 includes search conditions that include at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device 20 from the user (for example, in FIG. 3, an item in which "○" is added to "screen input". Information) is acquired from the terminal device 20 via the financial institution server 30.

Next, the disclosure request generation unit 132 converts the range of the scheduled payment date into the range of the due date (step S403). When there is a non-business day immediately before, the disclosure request generation unit 132 converts the acquired search range of the scheduled settlement date into a search range of the payment due date including the immediately preceding non-business day.

Next, the disclosure request generation unit 132 generates a disclosure request for payment search including the search range of the payment due date and the creditor information (step S404). The disclosure request generation unit 132 generates, for example, a disclosure request as shown in FIG. 3, and stores the generated disclosure request in the disclosure request storage unit 121. The disclosure request generation unit 132 generates a disclosure request in which the setting items of "presence / absence of recording such as forced execution" and "presence / absence of recording such as payment" are set to "no setting".

Next, the disclosure request processing unit 133 transmits a disclosure request for payment search to the electronic bond recording institution system 40 (step S405). For example, the disclosure request generation unit 132 reads the disclosure request as shown in FIG. 3 from the disclosure request storage unit 121, and transmits the disclosure request to the electronic credit recording institution system 40 via the NW communication unit 11.

Next, the disclosure request processing unit 133 acquires the disclosure request result from the electronic bond recording institution system 40 (step S406). The disclosure request processing unit 133 acquires the disclosure request result from the electronic credit recording institution system 40 via the NW communication unit 11, and stores the acquired disclosure request result in the disclosure request result storage unit 122.

Next, the output processing unit 134 extracts the parent claim information of the divided electronically recorded claims based on the disclosure request result, and associates the extracted parent claim information with the electronically recorded claims (step S407). That is, as shown in FIG. 7B, the output processing unit 134 adds the extracted parent credit information to the “supplementary information”.

Since the subsequent processes from step S408 to step S412 are the same as the processes from step S307 to step S311 shown in FIG. 13 described above, the description thereof will be omitted here. In step S409, the output processing unit 134 generates display information (output information) as shown in FIG. 7 based on the disclosure request result, and the generated display information (output information) is stored in the output information storage unit 123. Remember. Further, in step S411, the output processing unit 134 generates a data file (output information) as shown in FIGS. 10 and 11 described above as a data file of the payment schedule confirmation result, and generates the data file (output information). It is stored in the output information storage unit 123.

In addition, in FIGS. 13 and 14 described above, the processing of step S301 and step S302 and the processing of step S401 and step S402 correspond to the search condition acquisition step, and the processing of step S303 and step S304 and the processing of step S403 and step S403 and The process of step S404 corresponds to the disclosure request generation step. Further, the processing of steps S305 and S306 and the processing of steps S405 and S406 correspond to the disclosure request processing step. Further, the processing of steps S307 to S310 and the processing of steps S407 and S411 correspond to the output processing step.

As described above, the relay server 10 (server device) according to the present embodiment includes a search condition acquisition unit 131, a disclosure request generation unit 132, a disclosure request processing unit 133, and an output processing unit 134. The search condition acquisition unit 131 acquires the search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device 20 from the user. The disclosure request generation unit 132 converts the scheduled settlement date included in the search condition acquired by the search condition acquisition unit 131 into the payment due date scheduled to be settled on the scheduled settlement date, and includes the converted payment date. Generate a disclosure request requesting disclosure of electronically recorded receivables that match the search criteria. The disclosure request processing unit 133 transmits the disclosure request generated by the disclosure request generation unit 132 to the electronic bond recording institution system 40 that records the electronically recorded claims, and the electronic claim recording institution system 40 transmits in response to the disclosure request. Obtain the disclosure request result. Then, the output processing unit 134 outputs the output information regarding the electronically recorded claim that matches the search condition based on the disclosure request result acquired by the disclosure request processing unit 133.

As a result, the relay server 10 according to the present embodiment converts the scheduled payment date included in the search condition into the payment date scheduled to be settled on the scheduled payment date, and the disclosure request including the converted payment date as the search condition. Is transmitted to the electronic bond recording institution system 40, for example, the electronically recorded claim can be searched by the scheduled settlement date such as the scheduled payment date or the scheduled payment date that is actually settled by the financial institution. For example, even if the electronically recorded loan has a non-business day of the financial institution set as the payment due date, the relay server 10 according to the present embodiment needs to set the search condition in consideration of the non-business day of the financial institution. There is no search omission. That is, the relay server 10 according to the present embodiment can inquire about electronically recorded claims based on the scheduled settlement date (purpose basis). Therefore, the relay server 10 according to the present embodiment can improve the convenience when searching for the electronically recorded claim.

Further, in the present embodiment, when the search condition acquisition unit 131 executes the payment schedule confirmation process for confirming the electronically recorded bond to be paid, the user is set as the creditor and the payment is scheduled as the scheduled settlement date. Get search criteria including days. When executing the payment schedule confirmation process, the disclosure request generation unit 132 converts the scheduled payment date into a payment due date, and generates a disclosure request including the converted payment date and information indicating the creditor.
As a result, the relay server 10 according to the present embodiment can easily search for electronically recorded claims based on the scheduled payment date, with the user as the creditor.

Further, in the present embodiment, the search condition acquisition unit 131 sets the user as the obligor and plans to pay as the scheduled settlement date when executing the payment schedule confirmation process for confirming the electronically recorded claim to be paid. Get search criteria including days. When executing the payment schedule confirmation process, the disclosure request generation unit 132 converts the scheduled payment date into a payment due date, and generates a disclosure request including the converted payment date and information indicating the obligor.
As a result, the relay server 10 according to the present embodiment can easily search for electronically recorded receivables based on the scheduled payment date, with the user as the debtor.

Further, in the present embodiment, the disclosure request generation unit 132 has an electronically recorded claim having a payment record indicating that the electronically recorded claim has been repaid by a method other than remittance between accounts when executing the payment schedule confirmation process. And generate a disclosure request that includes search conditions to search for both electronically recorded receivables with no records such as payments. When executing the payment schedule confirmation process, the output processing unit 134 extracts the parent claim information of the divided electronically recorded claims based on the disclosure request result, and associates the extracted parent claim information with the electronically recorded claims. Therefore, the information regarding the electronically recorded claim for which there is no record such as payment is output as output information.
As a result, the relay server 10 according to the present embodiment can provide the user with the parent claim information of the divided electronically recorded claims when executing the payment schedule confirmation process. Therefore, the relay server 10 according to the present embodiment can further improve the convenience when searching for the electronically recorded claim.

Further, in the present embodiment, the output processing unit 134 generates display information to be displayed on the terminal device 20 as output information, and outputs the generated display information to the terminal device 20.
As a result, the relay server 10 according to the present embodiment can cause the terminal device 20 to display the display information which is the search result, so that the user can easily confirm the electronically recorded claim by the display of the terminal device 20. Can be done.

Further, in the present embodiment, the output processing unit 134 generates a data file having a predetermined format as output information, and outputs the generated data file to the terminal device 20.
As a result, the relay server 10 according to the present embodiment can confirm the search result by the data file and can use the search result for other data processing, so that the convenience when searching the electronically recorded claim is further improved. Can be made to.

Further, in the present embodiment, the output processing unit 134 generates output information by excluding the electronically recorded claims that have already disappeared and the electronically recorded claims that have been canceled from the disclosure request results.
As a result, the terminal device 20 can appropriately provide the necessary search results to the user, so that the relay server 10 according to the present embodiment can further improve the convenience when searching for the electronically recorded bond.

Further, the electronically recorded claim processing system 1 according to the present embodiment includes the above-mentioned relay server 10.
As a result, the electronically recorded bond processing system 1 has the same effect as the relay server 10, and can improve the convenience when searching for the electronically recorded bond.

Further, the electronically recorded claim search method according to the present embodiment includes a search condition acquisition step, a disclosure request generation step, a disclosure request processing step, and an output processing step. In the search condition acquisition step, the search condition acquisition unit 131 acquires the search condition including at least the scheduled settlement date of the electronically recorded claim acquired by the terminal device 20 from the user. In the disclosure request generation step, the disclosure request generation unit 132 converts and converts the scheduled settlement date included in the search condition acquired by the search condition acquisition step into the payment due date scheduled to be settled on the scheduled settlement date. Generate a disclosure request requesting disclosure of electronically recorded receivables that match the search criteria, including the due date. In the disclosure request processing step, the disclosure request processing unit 133 transmits the disclosure request generated by the disclosure request generation step to the electronic bond recording institution system 40 that records the electronically recorded bond, and records the electronic bond in response to the disclosure request. Acquire the disclosure request result transmitted by the institutional system 40. In the output processing step, the output processing unit 134 outputs output information regarding the electronically recorded claim that matches the search condition based on the disclosure request result acquired by the disclosure request processing step.
As a result, the electronically recorded claim search method according to the present embodiment has the same effect as the relay server 10 described above, and can improve the convenience when searching for the electronically recorded claim.

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

Further, in the above embodiment, 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. .. Further, the financial institution server 30 may include a part of the configuration provided in the relay server 10, or the relay server 10 may include a part of the configuration provided in the financial institution server 30.

Further, in the above embodiment, the relay server 10 is configured as one server device, but the relay server 10 may be configured by a plurality of server devices.
Further, in the above embodiment, the example in which the financial institution server 30 is configured as one server device has been described, but the financial institution server 30 may be configured by a plurality of server devices.

Further, in the above embodiment, as an example of the parent claim information, an example in which the record number of the parent claim is associated with the electronically recorded claim has been described, but the present invention is not limited to this, and for example, the claim before the division of the parent claim. Other information such as the amount may be associated.

Each configuration included in the electronically recorded credit processing system 1 and the relay server 10 described above has a computer system inside. Then, a program for realizing the functions of each configuration included in the electronic recording credit processing system 1 and the relay server 10 described above is recorded on a computer-readable recording medium, and the program recorded on the recording medium is stored in the computer system. By reading and executing, the processing in each configuration provided in the above-mentioned electronically recorded credit processing system 1 and relay server 10 may be performed. Here, "loading a computer system a program recorded on a recording medium and executing it" includes installing the program in the computer system. The term "computer system" as used herein includes hardware such as an OS and 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, WAN, LAN, and a dedicated line. Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, or a storage device such as a hard disk built in a computer system. As described above, the recording medium in which the program is stored may be a non-transient recording medium such as a CD-ROM.

The recording medium also includes a recording medium provided inside or outside that can be accessed from the distribution server for distributing the program. It should be noted that the configuration in which the program is divided into a plurality of programs and downloaded at different timings and then combined with each configuration provided in the electronically recorded credit processing system 1 and the relay server 10 and the distribution server for distributing each of the divided programs are different. You may be. Furthermore, a "computer-readable recording medium" is a volatile memory (RAM) inside a computer system that serves as a server or client when a program is transmitted via a network, and holds the program for a certain period of time. It shall include things. Further, the above program may be for realizing a part of the above-mentioned functions. Further, a so-called difference file (difference program) may be used, which can realize the above-mentioned functions in combination with a program already recorded in the computer system.

Further, a part or all of the above-mentioned functions may be realized as an integrated circuit such as LSI (Large Scale Integration). Each of the above-mentioned functions may be made into a processor individually, or a part or all of them may be integrated into a processor. Further, the method of making an integrated circuit is not limited to LSI, and may be realized by a dedicated circuit or a general-purpose processor. Further, when an integrated circuit technology that replaces an LSI appears due to advances in semiconductor technology, an integrated circuit based on this technology may be used.

1 Electronically recorded credit processing system 10 Relay server 11, 21, 31, 41 NW communication unit 12, 32 Server storage unit 13, 33 Server control unit 20 Terminal device 22 Input unit 23 Display unit 24 Terminal storage unit 25 Terminal control unit 30 Finance Institution server 40 Electronic credit recording institution system 42 Electronic credit information storage unit 43 Credit control unit 121 Disclosure request storage unit 122 Disclosure request result storage unit 123 Output information storage unit 131 Search condition acquisition unit 132 Disclosure request generation unit 133 Disclosure request processing unit 134 Output processing unit 135 Display information generation unit 136 File generation unit 321 User information storage unit 331 Electronic recording credit processing unit NW1 network

Claims (8)

A search condition acquisition unit that acquires search conditions that include at least the scheduled settlement date of electronically recorded claims acquired by the terminal device from the user,
The scheduled settlement date included in the search condition acquired by the search condition acquisition unit is converted into a payment date scheduled to be settled on the scheduled settlement date, and matches the search condition including the converted payment date. A disclosure request generation unit that generates a disclosure request requesting disclosure of the electronically recorded claim.
The disclosure request generated by the disclosure request generation unit is transmitted to the electronic bond recording institution system that records the electronically recorded claim, and the disclosure request result transmitted by the electronic claim recording institution system is transmitted in response to the disclosure request. Disclosure request processing department to be acquired and
A server device including an output processing unit that outputs output information regarding the electronically recorded claim that matches the search condition based on the disclosure request result acquired by the disclosure request processing unit. The search condition acquisition unit sets the user as a creditor when executing the payment schedule confirmation process for confirming the electronically recorded claim to be paid, and includes the payment schedule date as the settlement schedule date. Get search criteria and
When executing the payment schedule confirmation process, the disclosure request generation unit converts the scheduled payment date into the payment date, and requests the disclosure including the converted payment date and information indicating the creditor. The server device according to claim 1, wherein the server device is generated. When executing the payment schedule confirmation process for confirming the electronically recorded claim to be paid, the search condition acquisition unit sets the user as a debtor and includes the payment schedule date as the settlement schedule date. Get search criteria and
When executing the payment schedule confirmation process, the disclosure request generation unit converts the scheduled payment date into the payment due date, and makes the disclosure request including the converted payment date and information indicating the obligor. The server device according to claim 1 or 2, wherein the server device is generated. When the disclosure request generation unit executes the payment schedule confirmation process, the electronically recorded claim having a payment record indicating that the electronically recorded claim has been repaid by a method other than remittance between accounts, and the payment. Generate the disclosure request containing a search condition to search for both the electronically recorded claim for which there is no equal record.
When executing the payment schedule confirmation process, the output processing unit extracts the parent claim information of the divided electronically recorded claims based on the disclosure request result, and associates it with the extracted parent claim information. The server device according to claim 3, wherein the information relating to the electronically recorded claim, which is the electronically recorded claim and has no record of payment or the like, is output as the output information. Any one of claims 1 to 4, wherein the output processing unit generates display information to be displayed on the terminal device as the output information, and outputs the generated display information to the terminal device. The server device according to one item. Any one of claims 1 to 5, wherein the output processing unit generates a data file having a predetermined format as the output information, and outputs the generated data file to the terminal device. The server device described in. In the server device
A search condition acquisition step in which the search condition acquisition unit acquires a search condition including at least the scheduled settlement date of the electronically recorded loan acquired by the terminal device from the user.
The disclosure request generation unit converts the scheduled settlement date included in the search condition acquired by the search condition acquisition step into a payment date scheduled to be settled on the scheduled settlement date, and converts the converted payment date into the payment date. A disclosure request generation step that generates a disclosure request requesting disclosure of the electronically recorded claim that matches the search conditions including
The disclosure request processing unit transmits the disclosure request generated by the disclosure request generation step to the electronic bond recording institution system for recording the electronically recorded bond, and the electronic bond recording institution system responds to the disclosure request. Disclosure request processing step to acquire the transmitted disclosure request result, and
The output processing unit executes an output processing step that outputs output information regarding the electronically recorded bond that matches the search condition based on the disclosure request result acquired by the disclosure request processing step. Electronically recorded loan search method. On the computer
A search condition acquisition step for acquiring a search condition including at least the scheduled settlement date of the electronically recorded loan acquired by the terminal device from the user, and a search condition acquisition step.
The scheduled settlement date included in the search condition acquired by the search condition acquisition step is converted into a payment date scheduled to be settled on the scheduled settlement date, and matches the search condition including the converted payment date. A disclosure request generation step for generating a disclosure request requesting disclosure of the electronically recorded claim and
The disclosure request generated by the disclosure request generation step is transmitted to the electronic bond recording institution system that records the electronically recorded claim, and the disclosure request result transmitted by the electronic claim recording institution system is transmitted in response to the disclosure request. Disclosure request processing steps to be acquired and
A program for executing an output processing step that outputs output information regarding the electronically recorded bond that matches the search condition based on the disclosure request result acquired by the disclosure request processing step.

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