JP6971046B2 - Receivable selection device, receivable selection method, and receivable selection program - Google Patents

Description

The present invention relates to a claim selection device, a claim selection method, and a claim selection program.

Factoring contracts may be made between the supplier and the payer. FIG. 15 shows a general form of factoring contract. By making a factoring contract, as shown in FIG. 15, a factoring company intervenes between the supplier company and the payer company. As a result of the factoring contract, the supplier company can obtain business funds from the factoring company at an early stage even when the product is not sold or the service is provided to the payer company, and the payer company is the product by the supplier company. It is only necessary to pay the accounts receivable related to the sale or the provision of the service on time, and the factoring business operator can obtain a predetermined fee.

Patent Document 1 shows one form of the factoring contract. Specifically, in Patent Document 1, the factoring company takes over the claims related to the long-term care fee held by the long-term care service provider, and the contents of the receipt submitted by the National Health Insurance Association (National Health Insurance Federation) (benefit limit). A form is shown in which the amount, etc.) is examined and insurance benefits are provided only for the portion that passes the examination (see Fig. 1). Further, Patent Document 1 also discloses that an upper limit is set for factoring claims and prepayment is made within the range (see paragraphs [0054] to [0060] and FIG. 6), and the prepayment is also made. It is stated that there are occasional prepayment processing and regular prepayment processing (see paragraph [0068]). Then, by making a prepayment by the factoring company, the care service provider can acquire the business fund without causing a time lag (site) such as a pass of the examination by the National Health Insurance Federation.

Japanese Unexamined Patent Publication No. 2002-056199

By the way, when making a prepayment of a claim as described above, it is necessary to select a claim that can be paid in advance and the amount of the claim. Here, in one form as described in Patent Document 1, since the factoring company makes a prepayment to a limited number of destinations, it is relatively easy to select a claim to be prepayment and the amount of the claim. However, factoring companies usually handle a large number of receivables related to multiple companies, and multiple receivables may be generated for one company or some receivables may be combined with other receivables. There is a problem that it is not easy to promptly select a claim to be paid in advance and the amount of the claim from the claims of. It should be noted that this problem also occurs if the creditor handles a plurality of claims even if the factoring company does not intervene.

The present invention has been made in view of the above-mentioned problems, and promptly selects a prepaid claim and the amount of the claim from one or more claims against the obligor of the creditor without any trouble. The purpose is to provide a bond selection device, a bond selection method, and a bond selection program that can be used.

In order to solve the above-mentioned problems and achieve the object, the claim selection device according to the present invention is provided with a control unit for selecting a prepaid amount of claims from one or more claims against the obligor of the obligee. In the claim selection device, the control unit is a claim in which the creditor information regarding the creditor, the debtor information regarding the debtor, and the amount information regarding the creditor's credit amount or the debtor's debt amount are associated with each other. From the database, at least a part of the claim extraction means for extracting one or more claims that can be fully applied to the specified amount and the claim amount corresponding to the one or more claims extracted by the claim extraction means is described. As the amount of receivables that can be paid in advance, it is characterized by including a means for selecting the amount of receivables to be selected according to a preset selection order so that the designated amount is full.

Further, in the claim selection device according to the present invention, the control unit further includes a selection order setting means for setting the selection order, and the selection order setting means causes the obligor to set the debt amount to the claim. The number of prepaid days related to the number of days until the payment date actually payable to the person, the feasible amount related to the large amount of the prepaid claim, the claim number for identifying the claim or the debt corresponding to the claim, and the claim. It is characterized in that the selection order is set by using one or more selection conditions arbitrarily selected from the priority order set for the obligor corresponding to the above.

Further, in the claim selection device according to the present invention, the claim extraction means extracts from the claim database the claims that can be fully applied to the designated amount in descending order of the claim amount or the corresponding debt amount. It is a feature.

Further, the claim selection device according to the present invention is characterized in that the claim is a transfer claim of the accounts receivable related to the factoring contract between the creditor and the debtor to the factoring business operator.

Further, in the claim selection device according to the present invention, the control unit of the factoring company is based on the payment date on which the debtor actually pays the debt amount to the creditor and the credit date of the transferable claim. It is characterized by further including an interest calculation means for calculating accrued interest.

Further, in the claim selection device according to the present invention, the control unit uses the destination financial institution information regarding the destination financial institution used by the obligor and the destination financial institution information regarding the destination financial institution used by the factoring business operator. Further, the factoring business operator further includes a fee calculation means for calculating a transfer fee required when the factoring business operator actually transfers the amount of the receivable that can be paid in advance to the destination financial institution.

Further, the claim selection method according to the present invention is a claim selection method for selecting a prepaid amount of claims from one or more claims against the obligor of the obligee, which is executed in an information processing device provided with a control unit. Therefore, the creditor information about the creditor, the debtor information about the debtor, and the amount information about the creditor's credit amount or the debtor's debt amount, which are executed in the control unit, are associated with each other in the credit database. At least a part of the amount of claims corresponding to the one or more claims extracted in the claim extraction step and the claim extraction step for extracting one or more claims that can be fully applied to the specified amount can be paid in advance. It is characterized by including a claim amount selection step of selecting according to a preset selection order so that the designated amount becomes the full amount.

Further, the claim selection program according to the present invention is a claim selection program for selecting a prepaid amount of claims from one or more claims against the obligor of the obligee for execution in an information processing device provided with a control unit. Therefore, a claim in which the creditor information regarding the obligee, the obligor information regarding the obligor, and the amount information regarding the obligee's claim amount or the obligor's debt amount are associated with each other for execution by the control unit. At least a part of the claim amount corresponding to the one or more claims extracted in the claim extraction step and the claim extraction step for extracting one or more claims that can be fully applied to the specified amount from the database is described above. The prepaid amount of receivables is characterized by including a receivable amount selection step of selecting according to a preset selection order so that the specified amount becomes full.

According to the present invention, it is possible to promptly select a prepaid claim and the amount of the claim from one or more claims against the obligor of the creditor without any trouble.

FIG. 1 is a block diagram showing an example of the configuration of an article management data creation system including a bond selection device. FIG. 2 is a flowchart showing a processing procedure of the claim selection method executed by the claim selection device 100 in FIG. FIG. 3 is a diagram schematically showing an example of the claim data acquired in step S220 of FIG. FIG. 4 is a diagram used to explain an example of selection conditions that can be selected when setting the selection order in step S220 of FIG. FIG. 5 is a diagram schematically showing an example of a designated amount input and a payment date thereof when determining step S230. FIG. 6 is a flowchart showing a processing procedure in the subroutine of the claim amount selection processing executed in step S240 of FIG. FIG. 7 shows an example of a combination of selection conditions used for setting the selection order acquired in step S243 of FIG. 6, and FIG. 7A shows a first example of the combination of selection conditions. 7 (b) shows a second example of a combination of selection conditions, and FIG. 7 (c) shows a third example of a combination of selection conditions. FIG. 8 is a diagram schematically showing an example of a group of bond records obtained as a result of the process of step S244 of FIG. FIG. 9 is a diagram schematically showing a state in which a group of bond records shown in FIG. 8 is sorted prior to the allocation process in step S245 of FIG. FIG. 10 is a diagram schematically showing an example in which, as a result of the allocation process in step S245 of FIG. 6, allocation is made to the highest-level claim record among the group of claim records shown in FIG. FIG. 11 is a diagram schematically showing an example of the result of performing a series of processes of steps S245 to S246 on a group of bond records shown in FIG. FIG. 12 is a diagram schematically showing an example of the result of performing a series of processes of steps S245 to S246 on a group of bond records shown in FIG. FIG. 13 is a diagram used to explain the accrued interest calculated in step S250 of FIG. FIG. 14 is a diagram schematically showing an example of data or a master required until the transfer fee is calculated in step S260 of FIG. 2, and FIG. 14 (a) shows transaction data in FIG. 14 (b). 14 (c) shows a financial institution account classification master, FIG. 14 (c) shows a destination financial institution combination master as financial institution information, and FIG. 14 (d) shows a transfer fee master. FIG. 15 is a diagram showing a general form of a factoring contract.

Embodiments of the present invention will be described in detail with reference to the drawings. The present invention is not limited to the present embodiment.

[1. composition]
An example of the configuration of the claim selection system including the claim selection device according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of a bond selection system including a bond selection device.

The credit selection system 1000 shown in FIG. 1 includes a credit selection device 100 as an information processing device, a server 200, and a network 300 for communicably connecting the credit selection device 100 and the server 200.

The creditor selection device 100 is a commercially available desktop personal computer, and is an information processing device for selecting a prepaid amount of creditors from one or more creditors to the debtor of the creditor. One of the credit selection devices 100 is installed in a department that manages credits in a business operator, for example, an accounting department. The credit selection device 100 is not limited to a stationary information processing device such as a desktop personal computer, but is a portable type such as a commercially available notebook personal computer, a PDA (Personal Digital Assistants), a smartphone, or a tablet personal computer. It may be an information processing device. Further, a plurality of credit selection devices 100 may be installed in the credit selection system 1000, and may function as one credit selection device 100 by synchronizing among the plurality of credit selection devices 100. good.

The credit selection device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the credit selection device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the credit selection device 100 to the network 300 so as to be communicable via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the credit selection device 100 and the server 200 so as to be communicable with each other, and is, for example, the Internet, a LAN (Local Area Network), or the like. Therefore, the communication interface unit 104 can receive input information from information processing devices provided in other departments, input information from creditors or debtors, input information from financial institutions such as banks, and the like in the network 300 or the network 300. It is configured to be able to accept via the server 200, and is configured to be able to output predetermined information to a predetermined information processing device, a creditor or a debtor, or a financial institution such as a bank. ing.

Various databases, tables, files, and the like are stored in the storage unit 106. A computer program (including the program of the present invention) for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded in the storage unit 106. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) / ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used. Further, various data used for carrying out the program of the present invention are stored in the storage unit 106 so that they can be written / read.

An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, a speaker or a printer can be used in addition to a monitor (including a home television). In addition to the keyboard, mouse, and microphone, the input device 112 can use a monitor that realizes a pointing device function in cooperation with the mouse.

The control unit 102 is a CPU or the like that comprehensively controls the credit selection device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run.

Further, the configuration of the storage unit 106 and the control unit 102 will be described in detail with reference to FIG.

As shown in FIG. 1, the storage unit 106 includes a bond database storage area 106a, a selection order information storage area 106b, and a financial institution information storage area 106c.

The bond database storage area 106a is an area for storing the bond database. The bond database is a database for associating creditor information about a creditor, debtor information about a debtor, and amount information about a creditor's debt amount or a debtor's debt amount with each other, and includes such information. One or more bond data related to a bond is stored as a bond record. In addition, instead of the claim data, the debt data relating to the debt corresponding to the claim may be used, and in this case, the debt data is treated as the claim data in this embodiment.

The selection order information storage area 106b is an area for storing information regarding the selection order, which will be described later, and the information regarding the selection order is readable and held by the claim selection device 100. The financial institution information storage area 106c is an area for storing financial institution information described later, and the financial institution information is readable and held by the credit selection device 100. The financial institution information includes at least the destination financial institution information described later and the destination financial institution information described later.

As shown in FIG. 1, the control unit 102 includes a plurality of modules. In the example shown in FIG. 1, the control unit 102 includes a selection order setting unit 102a, a bond extraction unit 102b, a bond amount selection unit 102c, an interest calculation unit 102d, and a fee calculation unit 102e.

The selection order setting unit 102a is a module that functions as a selection order setting means for setting the selection order. In the present embodiment, the selection order setting unit 102a determines the number of prepayment days related to the number of days until the payment date when the debtor actually pays the debt amount to the creditor, the feasible amount related to the large amount of prepayable claims, the claim or the said. It also has a function of setting a selection order using a claim number for identifying a debt corresponding to a claim and one or more selection conditions arbitrarily selected from the priority set for the debtor corresponding to the claim.

The claim extraction unit 102b is a module that functions as a claim extraction means for extracting one or more claims that can be fully applied to the specified amount from the claim database. In the present embodiment, the claim extraction unit 102b also has a function of extracting claims to which the specified amount can be fully applied from the claim database in descending order of the claim amount or the corresponding debt amount.

The claim amount selection unit 102c sets at least a part of the claim amount corresponding to one or more claims extracted by the claim extraction unit 102b as a prepaid claim amount, and the selection order is set in advance so that the specified amount becomes full. It is a module that functions as a means for selecting the amount of receivables to be selected according to the above.

The interest calculation unit 102d is a module that functions as an interest calculation means for calculating the accrued interest of the factoring company based on the payment date when the debtor actually pays the debt amount to the creditor and the credit date of the transferred claim. be. The fee calculation unit 102e factors the amount of receivables that can be prepaid using the destination financial institution information about the destination financial institution used by the obligor and the destination financial institution information about the destination financial institution used by the factoring business operator. It is a module that functions as a fee calculation means for calculating a transfer fee required when a business operator actually makes a transfer to the destination financial institution.

[2. process]
Next, a claim selection method executed in the claim selection system 1000 shown in FIG. 1 will be exemplified.

FIG. 2 is a flowchart showing a processing procedure of a bond selection method executed by the bond selection device 100 in the bond selection system 1000 of FIG. The process shown in FIG. 2 generally extracts one or more claims that can be fully applied to the specified amount when selecting a prepaid amount of claims from one or more claims against the obligor of the creditor. , At least a part of the amount of claims corresponding to one or more of the extracted claims is selected as the amount of claims that can be prepaid according to the selection order set in advance so that the specified amount becomes full. Most of the above is executed by the control unit 102 of the credit selection device 100. In the following, as in the case where the factoring business operator intervenes as shown in FIG. 15, the claim and the claim amount are sequentially selected from the four claims so that the specified amount becomes the full amount. I will explain it by citing it.

In FIG. 2, first, in step S220, the bond data is acquired. The acquisition of the bond data is performed by reading the bond data satisfying the specified conditions (for example, creditor, debtor, date and time, etc.) from the bond database. Here, the bond data is data related to the bond. When a factoring company intervenes, the receivable is generally a receivable and is a transfer receivable to the factoring company related to the factoring contract between the obligee and the obligor. It is not limited to accounts receivable as long as it is a receivable that can be paid in advance in part or in whole.

FIG. 3 is a diagram schematically showing an example of the claim data acquired in step S220 of FIG. As shown in FIG. 3, the bond data usually includes information that identifies a creditor (for example, a delivery company code), information that identifies a debtor (for example, a paying company code), information that indicates the amount of a claim, and a payment date. It consists of credit records containing the information shown. The due date is the due date on which the obligor should actually pay the debt amount to the obligee. It is the last day of the period for which the debt corresponding to the claim should be repaid.

Subsequently, in step S220, the selection order is set. Specifically, a plurality of types of selection condition candidates that can be selected by the user are prepared, the user's selection is accepted for the selection condition, and the selection order is set using one or more accepted selection conditions. At this time, new selection conditions may be registered, or the set selection order may be changed.

FIG. 4 is a diagram used to explain an example of selection conditions that can be selected when setting the selection order in step S220 of FIG. Examples of selection conditions include the number of prepaid days, the practicable amount, the bond number, and the priority. Here, the number of prepaid days is information on the number of days until the due date for the debtor to actually pay the debt amount to the creditor. The practicable amount is information on the large amount of receivables that can be paid in advance. The claim number is information for identifying a claim or a debt corresponding to the claim. The priority is the order set for the debtor corresponding to the claim. Further, as the selection order, whether to arrange a plurality of bond data in ascending order or descending order is set based on the selected selection condition. Here, one of the ascending order and the descending order is specified by the default (initial value). When multiple selection conditions are selected, the selection order is set to ensure that the selection conditions that should be prioritized are reflected. Therefore, when a plurality of selection conditions are selected, it is preferable that the specifications regarding the priority of the selection conditions are accepted.

Next, in step S230, the input of the designated amount of money is awaited. The specified amount is usually the amount that the creditor wishes to pay in advance (advance payment) to the debtor or the factoring business operator. However, any amount can be specified as the specified amount, which enables simulation and the like. At this time, the payment date is also input as the due date for which prepayment is desired or the last day of the deadline. Then, if it is determined that the specified amount of money has been input (Yes in step S230), the process proceeds to step S240. FIG. 5 schematically shows an example of the designated amount of money input and the payment date thereof in the determination of step S230.

Subsequently, in step S240, the claim amount selection process is performed. The details of the claim amount selection process will be described with reference to FIG.

FIG. 6 is a flowchart showing a processing procedure in the subroutine of the claim amount selection processing executed in step S240 of FIG.

In FIG. 6, first, in step S241, the claim is specified. Specifically, the claim data relating to the claim subject to the specified amount of money input as a result of the determination in step S230 is specified. For this purpose, the creditor identification information (for example, the delivery company code) is used, whereby the creditor's claim corresponding to the creditor identification information is specified from the claim data acquired in step S210. In addition, if preset, obligor identification information (for example, paying company code) is also used. As a result, from the bond data acquired in step S210, a bond with a matching combination of the creditor and the debtor is specified.

Subsequently, in step S242, it is determined whether or not the selection order is set. As a result of the determination in step S242, if the selection order is set (Yes in step S242), the information regarding the set selection order is acquired (step S243). FIG. 7 shows an example of a combination of selection conditions used for setting the selection order acquired in step S243 of FIG. 6, and FIG. 7A shows a first example of the combination of selection conditions. 7 (b) shows a second example of a combination of selection conditions, and FIG. 7 (c) shows a third example of a combination of selection conditions. Then, when the information regarding the selection order is acquired in step S243, the process proceeds to step S244. On the other hand, if the selection order is not set (No in step S242), information on the default selection order is acquired (step S248), and the process proceeds to step S244.

After that, in step S244, the bond records are extracted and sorted. Specifically, one or more bond records included in the bond data corresponding to the bond specified in step S241 are sorted in the selection order acquired in step S243 or step S248, and among the sorted bond records. From the higher-ranked bond records, a number of bond records in which the total amount of the bond amount exceeds the specified amount input as a result of the determination in step S230 is extracted. At this time, it is preferable to extract the claims that can be fully applied to the specified amount in descending order of the amount of the claims. Even after the bond record is extracted, further sorting is performed based on the selection order acquired in step S243 or step S248 as necessary.

FIG. 8 is a diagram schematically showing an example of a group of bond records obtained as a result of the process of step S244 of FIG. An example of a group of receivable records shown in FIG. 8 is a set of receivable records in which the combination of the paying company code and the delivering company code extracted from the receivable data shown in FIG. 3 is the same, and the transfer receivables (1) to It consists of four credit records pertaining to (4).

Subsequently, in step S245, the determination result of step S230 is input from the higher-ranking record based on the selection order acquired in step S243 or step S248 for the group of bond records obtained as a result of the process of step S244. Approve the specified amount. Therefore, if necessary, further sorting is performed based on the selection order acquired in step S243 or step S248. In the following step S246, as a result of the appropriation process in step S245, the remaining bonds (credit balance) are calculated for each bond record.

FIG. 9 is a diagram schematically showing a state in which a group of bond records shown in FIG. 8 is sorted prior to the allocation process in step S245 of FIG. In the example shown in FIG. 9, as a result of sorting in the order of payment due date, the receivable record relating to the transfer receivable (2) is sorted to the top. FIG. 10 is a diagram schematically showing an example in which, as a result of the allocation process in step S245 of FIG. 6, allocation is made to the highest-level claim record among the group of claim records shown in FIG. Further, FIG. 10 also shows the bond balance of each bond record calculated in step S246.

Then, in step S247, it is determined whether or not there is another appropriable bond record. Specifically, the bond balance of each bond record calculated in step S246 is compared with the balance of the designated amount, and it is determined whether or not the balance of the designated amount can be applied to each record.

As a result of the determination in step S247, if there is another appropriable claim record (Yes in step S247), the process returns to step S245 and the series of processes of steps S245 to S246 is repeated. In the example of the group of bond records shown in FIG. 10, since the remaining amount of the indicated amount can still be applied, the process returns to step S244 until there are no more applicable bond records, that is, until the specified amount is fully applied. , A series of processes of steps S245 to S246 are repeated.

FIG. 11 is a diagram schematically showing an example of the result of performing a series of processes of steps S245 to S246 on a group of bond records shown in FIG. In the example shown in FIG. 11, the appropriation process is applied to the claim record related to the transfer claim (1), which is the second in the selection order. FIG. 12 is a diagram schematically showing an example of the result of performing a series of processes of steps S245 to S246 on a group of bond records shown in FIG. In the example shown in FIG. 12, the appropriation process is applied to the claim record related to the transfer claim (3), which is the third in the selection order. However, since it is not necessary to allocate more than the specified amount, a part of the allocation is made to the claim record related to the transfer claim (3), which was the third in the selection order. As a result, the specified amount has been fully applied.

Then, if there is no other appropriable bond record (No in step S247), the subroutine shown in FIG. 6 is completed, the process returns to the process shown in FIG. 2, and the process proceeds to step S250.

In step S250, the accrued interest is calculated. Accrued interest refers to interest according to a period determined based on the due date for which the obligor should actually pay the debt amount to the obligee and the due date of the transferred claim of the factoring company. FIG. 13 is a diagram used to explain the accrued interest calculated in step S250 of FIG. The accrued interest is calculated by calculating the period as shown in FIG. 13 and multiplying the calculated ratio according to the period by the amount obtained by applying the predetermined discount rate to the prepaid amount. The process of step S250 is skipped or omitted when the factoring business operator does not intervene between the creditor and the debtor.

Subsequently, in step S260, the transfer fee is calculated. The transfer fee is a fee required when making a transfer through a financial institution such as a bank. When a factoring company intervenes between the creditor and the debtor, the factoring company transfers the specified amount to the destination financial institution used by the delivery company, which is the creditor, via the destination financial institution used by the company. conduct. Therefore, when calculating the transfer fee, financial institution information regarding a financial institution such as a bank is read out. This financial institution information includes at least information on the destination financial institution regarding the destination financial institution and information on the destination financial institution regarding the destination financial institution, and further, information on the transaction classification (accompanying transaction, other bank transaction) of the transfer fee. Is also preferably included. By using this information, it is possible to calculate the transfer fee required when the factoring company actually transfers the amount of receivables that can be paid in advance to the destination financial institution.

FIG. 14 is a diagram schematically showing an example of data or a master required until the transfer fee is calculated in step S260 of FIG. 2, and FIG. 14 (a) shows transaction data in FIG. 14 (b). 14 (c) shows a financial institution account classification master, FIG. 14 (c) shows a destination financial institution combination master as financial institution information, and FIG. 14 (d) shows a transfer fee master. When calculating the transfer fee, first, the financial institution code is obtained from the transaction data as shown in FIG. 14 (a), and the financial institution classification is performed from the financial institution account classification master as shown in FIG. 14 (b). To get. Subsequently, the transaction category of the transfer fee is acquired by referring to the destination financial institution combination master as shown in FIG. 14 (c) with these acquired information. Then, by referring to the transfer fee master as shown in FIG. 14D in the transaction category of the transfer fee, information regarding the amount of the transfer fee can be obtained. By preparing a master as shown in FIG. 14, even if a financial institution such as a bank changes the transfer fee, the master can be easily updated (maintenance). The process of step S250 may be skipped or omitted if the factoring business operator does not intervene between the creditor and the debtor, or the debt in step S260 if the factoring business operator does not intervene. It may be calculated as a transfer fee required by the person.

When the allocation of the designated amount and the calculation of the fee, etc. are completed as described above, the amount to be paid in advance and the amount required for the advance payment become clear. Then, this process is completed.

As described in detail above, according to the processing of the claim selection method shown in FIGS. 2 and 6, when selecting a prepaid amount of claims from one or more claims against the obligor of the obligee, the claims related to the obligee One or more claims that can be fully applied to the specified amount are extracted from the claim database in which the person information, the debtor information regarding the debtor, and the amount information regarding the amount of the claim of the obligee are associated with each other (step S244). ), At least a part of the amount of claims corresponding to one or more extracted claims is automatically selected as the amount of claims that can be prepaid according to the selection order set in advance so that the specified amount becomes full (). Step S245). As a result, it is possible to promptly select a prepaid claim and the amount of the claim from one or more claims against the debtor of the creditor without any trouble.

Further, according to the process of FIG. 2, the selection order is set (step S220), and at this time, the number of prepaid days related to the number of days until the payment date when the obligor should actually pay the debt amount to the obligee can be prepaid. One or more selection conditions arbitrarily selected from the feasible amount related to the large amount of the claim, the claim number for identifying the claim or the debt corresponding to the claim, and the priority set for the debtor corresponding to the claim. Is used. As a result, it is possible to set a priority based on the selection conditions for the claims to be selected. For this reason, for example, it is possible to set to sequentially process receivables with a short period until the due date, and for example, a factoring company sets a priority so that a predetermined fee that can be obtained in advance is increased. You will also be able to do it. Further, according to the process of FIG. 2, it is also possible to extract the receivables to which the specified amount can be fully applied from the receivables database in descending order of the receivable amount or the corresponding debt amount.

Further, according to the processing of FIG. 2, when the factoring business intervenes, the factoring business is based on the payment date when the debtor actually pays the debt amount to the creditor and the credit date of the transfer claim of the factoring business. The accrued interest of the person is automatically calculated (step S250). As a result, the factoring company can reduce the time and effort required to calculate the necessary expenses.

Further, according to the processing of FIG. 2, the amount of receivables that can be prepaid is determined by using the destination financial institution information regarding the destination financial institution used by the debtor and the destination financial institution information regarding the destination financial institution used by the factoring company. The transfer fee required when the factoring company actually makes a transfer to the destination financial institution is automatically calculated. As a result, the factoring company can further reduce the time and effort required to calculate the necessary expenses.

In the above-described embodiment, the case where the designated amount is applied to the claim amount has been described, but the designated amount may be applied to the debt amount corresponding to the claim amount. Further, in the above-described embodiment, the receivables are described by taking as an example the receivables transferred to the factoring business operator of the receivables related to the factoring contract between the creditor and the obligor, but the receivables are limited to this example. However, for example, it may be a credit transaction limit related to a credit transaction. Further, in the above-described embodiment, the case where the factoring business operator intervenes between the creditor and the debtor has been described as an example, but the factoring business operator does not have to intervene, and in this case, the creditor. The above-mentioned processing is performed on the claims held by.

[3. Other embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical ideas described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed may be performed manually, or all the processes described as being performed manually may be performed. Alternatively, a part thereof can be automatically performed by a known method.

In addition, processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in this specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the claim selection device 100 and the claim selection system 1000, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the credit selection device 100, particularly each processing function performed by the control unit, even if all or any part thereof is realized by the CPU and a program interpreted and executed by the CPU. Well, it may be realized as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the process described in the present embodiment, and the credit selection apparatus is required. Read mechanically to 100. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form a control unit.

Further, this computer program may be stored in an application program server connected to the credit selection device 100 via an arbitrary network (for example, network 300), and all or a part thereof may be downloaded as needed. It is also possible to do.

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (registration). Trademarks) (Electrically Erasable and Protocol Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disc), MO (Magnet-Optical Disc), DVD (Digital), DVD (Digital) It shall include any "portable physical medium". Therefore, a recording medium containing a program for executing the processing described in the present specification also constitutes the present invention.

Further, the "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium and the installation procedure after reading in each device shown in the embodiment.

Various databases and the like stored in the storage unit 106 are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and website provision. Stores programs, tables, databases, files for web pages, etc.

Further, the credit selection device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the claim selection device 100 may be realized by mounting software (including a program or data) that realizes the processing described in the present specification on the device.

Furthermore, the specific form of distribution / integration of the device is not limited to the one shown in the figure, and all or part of the device may be functionally or physically in any unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

INDUSTRIAL APPLICABILITY The present invention is useful in selecting a prepaid amount of claims from one or more claims against a creditor's debtor.

100 Receivable selection device 102 Control unit 102a Selection order setting unit 102b Receivable extraction unit 102c Receivable amount selection unit 102d Interest calculation unit 102e Fee calculation unit 104 Communication interface unit 106 Storage unit 106a Receivables database storage area 106b Selection order information storage area 106c Financial institution Information storage area 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network 1000 Credit selection system

Claims (8)

A creditor selection device equipped with a control unit for selecting a prepaid bond amount from one or more claims against a creditor's debtor.
The control unit
The specified amount can be fully applied from the creditor database in which the creditor information about the creditor, the debtor information about the debtor, and the amount information about the creditor's debt amount or the debtor's debt amount are associated with each other. A creditor extraction means for extracting one or more creditors,
At least a part of the amount of the claim corresponding to the one or more claims extracted by the claim extraction means is selected as the amount of the claim that can be prepaid according to the selection order set in advance so that the designated amount becomes the full amount. and the amount of receivables in the selection means,
It is provided with a selection order setting means for setting the selection order .
The selection order setting means is
The number of prepaid days related to the number of days until the due date for the debtor to actually pay the debt amount to the creditor,
The practicable amount regarding the large amount of prepaid receivables,
A claim number for identifying the claim or the debt corresponding to the claim, and
Priority set for the debtor corresponding to the claim
Receivables selection apparatus characterized by a plurality of Rukoto is configured to be able to accept the combination of selected conditions selected from. The claim selection device according to claim 1 , wherein the combination of the plurality of selection conditions includes a priority set for each of the plurality of selection conditions. The claim extraction means
The claim selection device according to claim 1 or 2, wherein claims to which the designated amount can be fully applied are extracted from the claim database in descending order of the claim amount or the corresponding debt amount. The claim is
The receivable selection device according to any one of claims 1 to 3, wherein the receivables related to the factoring contract between the creditor and the obligor are transfer receivables to a factoring business operator. The control unit
It is characterized by further including an interest calculation means for calculating the accrued interest of the factoring business operator based on the payment date on which the debtor actually pays the debt amount to the creditor and the credit date of the transfer receivable. The creditor selection device according to claim 4. The control unit
Using the destination financial institution information regarding the destination financial institution used by the obligor and the destination financial institution information regarding the destination financial institution used by the factoring business, the factoring business operator determines the amount of receivables that can be prepaid. The claim selection device according to claim 4 or 5, further comprising a fee calculation means for calculating a transfer fee required when actually making a transfer to a destination financial institution. It is a claim selection method for selecting a prepaid amount of claims from one or more claims against a creditor's debtor, which is executed in an information processing device equipped with a control unit.
Executed in the control unit,
The specified amount can be fully applied from the credit database in which the creditor information about the creditor, the debtor information about the debtor, and the amount information about the debtor's debt amount or the debtor's debt amount are associated with each other. A debt extraction step to extract one or more debts,
At least a part of the amount of the claim corresponding to the one or more claims extracted in the claim extraction step is selected as the amount of the claim that can be prepaid according to the selection order set in advance so that the designated amount becomes the full amount. and the amount of receivables in the selection step,
Look including the <br/> and selection order setting step for setting the selection order,
In the selection order setting step,
The number of prepaid days related to the number of days until the due date for the debtor to actually pay the debt amount to the creditor,
The practicable amount regarding the large amount of prepaid receivables,
A claim number for identifying the claim or the debt corresponding to the claim, and
Priority set for the debtor corresponding to the claim
Receivables selection wherein a plurality of Rukoto is configured to be able to accept the combination of selected conditions selected from. It is a credit selection program for selecting the amount of credit that can be prepaid from one or more creditors to the debtor of the creditor, which is to be executed in an information processing device equipped with a control unit.
To be executed in the control unit
The specified amount can be fully applied from the credit database in which the creditor information about the creditor, the debtor information about the debtor, and the amount information about the debtor's debt amount or the debtor's debt amount are associated with each other. A debt extraction step to extract one or more debts,
At least a part of the amount of the claim corresponding to the one or more claims extracted in the claim extraction step is selected as the amount of the claim that can be prepaid according to the selection order set in advance so that the designated amount becomes the full amount. and the amount of receivables in the selection step,
Look including the <br/> and selection order setting means for setting the selection order,
In the selection order setting step,
The number of prepaid days related to the number of days until the due date for the debtor to actually pay the debt amount to the creditor,
The practicable amount regarding the large amount of prepaid receivables,
A claim number for identifying the claim or the debt corresponding to the claim, and
Priority set for the debtor corresponding to the claim
Receivables selection program characterized by multiple Rukoto is configured to be able to accept the combination of selected conditions selected from.

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