JP6976285B2 - Credit Management Equipment, Programs, and Credit Management Methods - Google Patents

Description

The present invention relates to a method for settling an electronically recorded claim, and a system or server for realizing this method.

In recent years, electronically recorded receivables have begun to be actively used as new monetary receivables for solving the problems of transaction settlement using bills and designated receivables held by companies. Electronically recorded receivables are receivables stipulated by the Electronically Recorded Monetary Claims Act. appear. Since the transfer of funds is carried out between financial institutions based on the records in the record book, complicated work such as collecting receivables is not required, and the burden of stamp duty required for drawing bills is reduced and paperless. It is possible to reduce office costs and make effective use of human resources.

Similar to bills, electronically recorded receivables can be transferred at a discount (hereinafter referred to simply as a discount). In this case, the creditor requests a financial institution to request a transfer record for transferring the electronically recorded claim held by the creditor. After that, the financial institution purchases the electronically recorded receivables by deducting the interest from the receivables called discount fees until the due date, and also makes a transfer record request to the electronic receivables recording institution. Patent Document 1 discloses a method and a system for easily extracting an electronically recorded claim to be purchased from an electronically recorded claim held by a creditor.

Japanese Patent No. 59366637

By giving a discount, the creditor can collect the loan and raise funds before the payment date of the loan, but the creditor is forced to bear the discount fee. Based on this background, in order to protect creditors more generously, the operational standards of the Subcontracting Payment Delay Prevention Act (Subcontracting Act) were revised in December 2016, and the discount fee burden was borne by the creditors (that is, subcontractors). ), But the debtor (ie, the parent company).

Based on this background, the embodiment of the present invention also conforms to the operational standards of the revised Subcontract Act, and the debtor pays a discount fee without increasing the administrative burden and management cost of the debtor or creditor. One of the challenges is to provide a payment method and system for electronically recorded loans that can be borne.

According to one embodiment of the present invention, an amount corresponding to the amount of the electronically recorded claim is transferred to the creditor's account, and the discount fee equivalent to the discount fee of the electronically recorded claim is transferred to the debtor's account of the electronically recorded claim. Provided is a method for settling an electronically recorded claim, which is deducted from the debtor's account and the amount of the electronically recorded claim is deducted from the debtor's account.

According to one embodiment of the present invention, an amount corresponding to the amount of the electronically recorded claim is transferred to the creditor's account, and the discount fee equivalent to the discount fee of the electronically recorded claim is transferred to the debtor's account of the electronically recorded claim. A creditor management server is provided that deducts the amount of the electronically recorded bond from the debtor's account.

According to one embodiment of the present invention, an amount corresponding to the amount of the electronically recorded claim is transferred to the creditor's account to a computer, and a discount fee equivalent to the discount fee of the electronically recorded claim is charged to the debt of the electronically recorded claim. A program is provided for debiting a person's account and causing the amount of the electronically recorded claim to be deducted from the debtor's account.

When the electronically recorded claims are discounted by implementing the present invention, the debtor is the entity that bears the discount fee without increasing the administrative burden and management cost of the debtor or the creditor. It is possible to effectively suppress the generation of difficult debts.

It is a figure which shows the overall scheme of the settlement method which concerns on one Embodiment of this invention. It is a figure which shows the payment system which concerns on one Embodiment of this invention. It is a block block diagram of the credit management server of the payment system which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the settlement method which concerns on one Embodiment of this invention. It is a figure which shows the display example in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the display example in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the display example in the payment method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the settlement method which concerns on one Embodiment of this invention. It is a figure which shows the overall scheme of the settlement method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the settlement method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart of the settlement method which concerns on one Embodiment of this invention.

Hereinafter, the payment method according to the embodiment of the present invention and the system for realizing the payment method will be described. The embodiments shown below are examples of the embodiments of the present invention, and the present invention is not limited to these embodiments. In the drawings referred to in the present embodiment, the same part or a part having a similar function is given the same code or a similar code (a code in which A, B, etc. are simply added after the numbers), and the process is repeated. The explanation of may be omitted.

<Embodiment 1>
Hereinafter, the payment method according to the first embodiment of the present invention and the system for realizing the payment method will be described.

[1. Overall scheme]
Figure 1 (A) shows the overall scheme of the settlement method for electronically recorded claims according to this embodiment. In FIG. 1 (A), a debtor is a company that is in a position to request delivery of goods or services from a creditor, while a creditor is in a position to provide goods or services to a debtor. It is a company located in. Therefore, the debtor is the paying company (paying company), and the creditor is often positioned as a subcontractor of the debtor due to differences in business scale, differences in contribution to goods and services, and the like.

When goods and services are delivered in accordance with the contract between the debtor and the creditor, a debt is generated at that stage. That is, the paying company, which is the debtor, is obliged to pay the price of goods and services to the creditor, which is the subcontractor, and the debtor is in debt and the creditor acquires the debt. Although the details will be described later, the information related to the claim generated here is transmitted to the electronic claim recording institution through the financial institution in order to request the record of the claim occurrence. Electronically recorded receivables are generated by recording receivables in the record ledger stored in the database held by the electronic receivables recording institution.

When a creditor applies for a discount on electronically recorded claims to a financial institution in order to raise funds at an early stage, the financial institution calculates interest until the due date of the claim and generates interest as a discount fee. After that, the financial institution purchases the electronically recorded loan at the amount obtained by subtracting the discount fee from the amount of the loan (transfer price). In the conventional settlement method, when discounting electronically recorded loans, the creditor bears the discount fee, as in the case of ordinary loans. Therefore, creditors were obliged to bear the discount fee in exchange for the advantage of early financing.

On the other hand, in the settlement method of the present embodiment, the entity that bears the discount fee is the debtor. Therefore, financial institutions use electronic communication means to calculate the amount equivalent to the discount fee (discount fee equivalent fee) on a regular basis (for example, every month, every few months, every six months, etc.) for each debtor. Periodically notify that the discount fee equivalent fee has been confirmed. The creditor who receives the notification confirms the details on the communication network. As a result, the debtor can easily and accurately grasp the discount fee equivalent fee that must be paid in a certain period without increasing the administrative burden.

After that, the debtor pays the discount fee equivalent to the subcontractor as a compensation fee through the financial institution on the fixed date. Specifically, as shown by the dotted arrow in FIG. 1 (A), the discount fee equivalent fee is deducted from the account held by the debtor at the financial institution, and at the same time, all or part of the discount fee is deducted from the creditor's account. Is transferred as a compensation fee. As a result, the creditor can collect the discount fee deducted at the time of the discount, and as a result, the creditor can be well protected. At the same time, it is possible to encourage debtors to make corporate efforts and improve management to avoid paying discount fees, and it is possible to effectively suppress payment delays and the occurrence of loans that are difficult to discount. Further, in this settlement method, neither the creditor nor the debtor needs to use cash, so that no procedural burden is incurred.

Finally, the principal of the electronically recorded loan is deducted from the debtor's account to the financial institution on the due date, and the loan is paid off. When the claim is paid off, this information is transmitted from the financial institution to the electronic claim recording institution and recorded in the record book, and the electronically recorded claim disappears. Notification of the extinction of the claim is sent from the electronic bond recording institution to the financial institution.

In this series of schemes, financial institutions can also collect fees from debtors and creditors. Therefore, financial institutions can obtain discounts and commissions as the final profit.

The financial institution used by the creditor and the debtor does not have to be the same. For example, the creditor may conduct a transaction with a second financial institution different from the financial institution shown in FIG. 1 (A). In this case, as shown in FIG. 1 (B), the creditor applies for a discount to the first financial institution, which is the debtor's financial institution, but the transfer price and compensation are the first finance. The money will be sent from the institution to the second financial institution and then transferred to the creditor's account. That is, within the scope of the present specification and claims, the act of transferring money to the creditor's account is construed to include the act of transferring money to the creditor's account via another financial institution. Although not shown, the fees paid by the creditor are remitted from the creditor's account to the first financial institution through the second financial institution.

In this embodiment, the notification that the discount fee equivalent fee has been determined will be given before the debtor pays the discount fee equivalent fee, but the notification is given by the debtor of the discount fee equivalent fee. It may be done after payment. In addition, the notification does not have to be given. Further, in the present embodiment, the purchase of the electronically recorded claim by the financial institution is carried out after waiting for the application for the discount from the creditor of the electronically recorded claim, but the purchase is not limited to this. For example, the creditor and the financial institution may agree in advance that the financial institution will comprehensively discount the electronically recorded claims acquired by the creditor. In this case, each time the creditor acquires an electronically recorded claim, the financial institution purchases the electronically recorded claim without waiting for the creditor to apply for a discount on the individual electronically recorded claim.

[2. System configuration]
FIG. 2 shows a configuration diagram of the system 100 of the payment method according to the present embodiment. As a basic configuration, the system 100 includes a creditor management server 108 of a financial institution, a communication terminal 104 of a creditor, a communication terminal 104 of a debtor, and a recording server 110 of an electronic creditor recording institution. As will be described later, the credit management server 108 is provided with various functions for realizing the present settlement method.

The creditor and the debtor use the communication terminals 104 and 106, respectively, to send and receive data and information necessary for procedures such as requesting a record of occurrence of electronically recorded claims and applying for a discount. The communication terminals 104 and 106 are computing devices having a communication function, and may be a notebook type or a stationary personal computer, or a portable communication terminal such as a tablet computer, a smartphone, a cellular telephone, or a personal digital assistant (PDA). But it's okay.

The recording server 110 is provided with a database 112. The recording server 110 receives the recording request transmitted from the financial institution, and registers, changes, and disappears the electronically recorded claims in the recording ledger stored in the database 112.

The credit management server 108, the recording server 110, and the communication terminals 104 and 106 are all connected via the communication network 102, and data and signals are transmitted and received between these devices. The communication network 102 includes a wide area network such as the Internet, and further includes a local area network (LAN), an IEEE801.11 standard (for example, WiFi), and a bluetooth (for example, WiFi) in each of a creditor, a debtor, a financial institution, and an electronic credit recording institution. It may include a network via a short-range or medium-range wireless communication link such as a registered trademark) link.

FIG. 3 shows a block configuration diagram of the credit management server 108. The credit management server 108 has an application programming interface (API) 120, and the credit management server 108 is connected to the communication network 102 through the API 120. As a result, the credit management server 108 can communicate with the recording server 110 and the communication terminals 106 and 104.

The credit management server 108 has a storage device 130 that functions as a database. The storage device 130 may be composed of a plurality of storage devices, and one storage device 130 may be divided into a plurality of areas (for example, areas 132, 134, 136, 138) for management and use. For example, in the area 132, basic software for operating the credit management server 108 and software for executing the payment method of the present embodiment can be stored.

Area 134 can store basic information about contracts between financial institutions and their customers (ie, debtors and creditors). Specifically, the names of creditors and debtors (company name), customer numbers assigned by financial institutions (creditor customer numbers, debtor customer numbers), and user numbers assigned by electronic debt recording institutions (creditor use). Information such as the creditor's and debtor's main transaction financial institution name and its branch name, account name, account number, and amount of fees paid to the financial institution is stored. Area 136 can store data regarding the association between the creditor and the debtor. Specifically, the payee of the discount fee is stored together with the electronically recorded credit number and the information of the creditor and the debtor. It should be noted that the areas 134 and 136 do not necessarily have to be clearly distinguished, and these information may be stored and managed in one area.

Area 138 functions as a database that is updated each time a creditor applies for a discount. Specifically, after accepting the discount application, the data related to the corresponding claim is extracted from the areas 134 and 136 according to the instruction of the control unit 122, and the necessary data for corresponding to each application is stored. For example, information such as the number and amount of the electronically recorded claim specified by the discount application, the payment date of the claim, the name and customer number of the creditor and the debtor, the user number, and the discount fee is stored.

The credit management server 108 is provided with an input unit 124, an output unit 126, a transmission / reception unit 128, and the like, in addition to the control unit 122 that controls the operation of the credit management server 108. The control unit 122, together with the main control unit 122a, is composed of a record request / receipt unit 122b, a determination unit 122c, a discount charge calculation unit 122d, a discount charge equivalent charge calculation unit 122e, a transfer / withdrawal order unit 122f, and the like. The main control unit 122a includes a processor such as a central processing unit (CPU), operates software stored in the area 132, and controls various processes executed on the credit management server 108. The record request / receipt unit 122b generates a signal for requesting the electronic claim recording institution to record the generation, disappearance, and transfer of the electronically recorded claim, and the record transmitted from the recording server 110 when the recording is completed. It has a function of receiving a notification signal and generating an instruction for updating the area 134. The determination unit 122c determines whether or not the creditor's communication terminal 104 can accept the discount application by referring to the information stored in the areas 134 and 136. The discount charge calculation unit 122d extracts information on the receivables corresponding to the received discount from the areas 134 and 136, calculates the interest, and generates a signal for storing the interest in the area 138 as the discount charge. The discount charge equivalent charge calculation unit 122e extracts data corresponding to each obligor from the data stored in the area 138, periodically calculates the discount charge equivalent charge, and generates an inquiry signal to be described later. The transfer / withdrawal order unit 122f generates an instruction (transfer signal, withdrawal signal) for executing a transfer or withdrawal to the account of the creditor or the debtor. This command is managed by the financial institution via the transmission / reception unit 128, and is transmitted to an account management server (not shown) for managing the customer's account, whereby the transfer or withdrawal is executed.

Some of these record request / receipt units 122b, judgment unit 122c, discount charge calculation unit 122d, transfer / withdrawal order unit 122f, and the like may be installed in, for example, an account management server. For example, the transfer / withdrawal command unit 122f may not be installed in the control unit 122 but may be installed in another server. In this case, the control unit 122 transmits the corresponding instruction to the other server via the transmission / reception unit 128.

The input unit 124 is a user interface used when inputting commands and information to the credit management server 108, and typically includes a keyboard, a touch panel, or a combination thereof. The output unit 126 provides various data stored in the storage device 130 as an image or a printed matter, and is a display such as a liquid crystal display or an organic electroluminescent display, or an output device such as a printer. The transmission / reception unit 128 has a function of communicating with the communication terminals 104 and 106 of the debtor and the creditor and the recording server 110 via the communication network 102. For example, the transmission / reception unit 128 receives a signal regarding a discount application from a creditor.

[3. Debtor and creditor registration]
Prior to implementing the settlement method of this embodiment, the debtor is registered (contracted) with the financial institution. Although not shown, the debtor applies to the financial institution for registration of use of the service related to electronically recorded claims, and the financial institution makes a credit decision to the debtor based on this application. When credit provision is permitted, the debtor is registered with the financial institution, and not only the banking service provided by the financial institution using the credit management server 108 is used on the network, but also the settlement method of the present embodiment is used. You can use electronically recorded loans. If the registration has already been completed as a credit-granted debtor, only the registration renewal for using the settlement method of the present embodiment may be performed. When registration or renewal is performed, basic information about the debtor's or creditor's contract is stored in area 134.

Next, based on the consent between the creditor and the debtor, an application is made to the financial institution for establishing the relationship between the creditor and the debtor for each electronically recorded claim. Specifically, the debtor identifies the electronically recorded claims to which the creditor will be positioned as a subcontractor from the debtor's point of view, and finances the specified electronically recorded claims (electronically recorded credit numbers, etc.). Provide it to the institution and apply. The information provision can be transmitted as electronic data from the obligor's communication terminal 106 to the credit management server 108. At this stage, the relationship that the creditor is a subcontractor and the debtor is the parent company is determined, and the entity that bears the discount fee is determined to be the debtor. The information provided by the creditor is received by the transmission / reception unit 128 and stored in the area 136 according to the command of the main control unit 122a.

[4. flow]
FIG. 4 shows a flowchart when executing the payment method of the present embodiment. As mentioned above, after the creditor and the debtor are registered with the financial institution, when the creditor wishes to discount the electronically recorded claims, one or more of the electronically recorded claims held are specified and the financial institution is designated. On the other hand, an application for a discount on the specified electronically recorded claim is made (S210). Specifically, the application is made using the banking service provided by the financial institution on the network. When the transmission / reception unit 128 of the credit management server 108 receives the discount application, the main control unit 122a extracts information about the creditor and the debtor of the electronically recorded bond from the areas 134 and 136, and stores the information in the area 138 of the storage device 130. Store. For example, information such as an electronic bond record number and a claim amount, a payment date, a customer number or user number of a creditor and a debtor, and the bearer of a discount fee being a debtor is stored in the area 138. After that, the determination unit 122c determines whether or not it is possible to accept the discount by using various parameters such as the payment date of the bond, the amount of the bond, and the credit level. When it is determined that the discount can be accepted, the discount fee calculation unit 122d calculates the interest from the period until the payment date of the electronically recorded claim and the interest rate, and calculates this as the discount fee (S212). The discount charge calculation unit 122d generates a signal for storing information about the discount charge in the area 138, and the discount charge is stored in the area 138 as data.

After that, the control unit 122 uses the transmission / reception unit 128 to notify the creditor of the fact that the discount has been received and the discount fee has been calculated by using a communication means such as e-mail (S214). The creditor who received the notification can use the banking service and confirm the content of the discount using the payment method of the present embodiment on the creditor's communication terminal 104. An example of the display at this time is shown in FIG. As shown in FIG. 5, information on the debtor (debtor customer number, name, etc.), details of the discount application (number of cases, discount fee, etc.) and details thereof, transfer details of the transfer price, etc. are displayed on the screen. As shown in FIG. 5, this information may be accompanied by information on a normal discount, that is, an electronically recorded claim in which the creditor bears the discount fee without using the settlement method of the present embodiment. good.

After that, according to the order generated by the transfer / withdrawal order unit 122f, the transfer price of the discounted electronically recorded claim is transferred from the financial institution to the creditor, and the electronically recorded claim is transferred from the creditor to the financial institution. The financial institution requests the electronic claim recording institution to record the transfer of the electronically recorded claim, and the transfer is recorded in the database 112 of the electronic claim recording institution, thereby completing the transfer of the electronically recorded claim between the creditor and the financial institution. The discount (S216) is established.

As described above, in the settlement method of the present embodiment, the debtor bears the discount fee, and the total amount (discount fee equivalent fee) is periodically notified to the debtor. Specifically, the discount charge equivalent charge calculation unit 122e searches the area 138, extracts the electronically recorded claims to which the creditor should bear the discount charge equivalent charge for each debtor, and calculates the discount charge equivalent charge. (S218). Further, the fee for transferring the discount fee equivalent fee and for using the payment system may also be extracted from the area 134 by the discount fee equivalent fee calculation unit 122e. After that, the transmission / reception unit 128 notifies the obligor's communication terminal 106 that the information is available via the banking service by using a communication means such as e-mail (S220).

The debtor who receives the notification can accurately grasp the discount fee equivalent fee on the debtor's communication terminal 106 by using the banking service on the network. An example of the display at this time is shown in FIGS. 6 and 7. As shown in FIG. 6, the discount fee equivalent fee, its withdrawal date, the total number of discounted electronically recorded claims, and the like are displayed on the obligor's communication terminal 106. Further, a display as shown in FIG. 7 may be provided so that more detailed information can be confirmed on the communication terminal 106. In the example shown here, the electronic claim record number, creditor information, discount fee, etc. are displayed individually for each electronically recorded claim.

After that, according to the order of the transfer / withdrawal order unit 122f, the discount fee equivalent fee is deducted from the debtor's account to the financial institution on the specified day, and all or part of the discount fee equivalent fee is sent to the creditor's account as compensation. Transferred from a financial institution (or through a second financial institution) (S222). Further, in accordance with the order of the transfer / withdrawal order unit 122f, the fee required for the transfer or the like is deducted from the accounts of the creditor and the debtor (S224). The compensation fee transferred here does not have to be the same as the discount fee paid by the creditor at the time of discount, and the former may be lower than the latter. In this case, the discount fee is applied by transferring the compensation fee multiple times.

Through this series of flows, the creditor can recover the discount fee temporarily borne at the time of discount from the debtor as a compensation fee. In addition, since it is possible to give the debtor motivation to develop a measure to reduce the burden of the discount fee equivalent fee, it is possible to effectively suppress the occurrence of payment delays and claims that are difficult to discount. It will be possible.

FIG. 8 shows data and data between the creditor's communication terminal 104, the debtor's communication terminal 106, the financial institution's credit management server 108, and the electronic creditor recording institution's recording server 110 in implementing the settlement method of the present embodiment. It is a flowchart which shows the exchange of a signal. This figure shows a flowchart after the registration of creditors and debtors is completed.

First, the creditor applies for a discount on electronically recorded claims. Specifically, the communication terminal 104 transmits the discount application signal to the credit management server 108 of the financial institution (S230). The transmission / reception unit 128 of the credit management server 108 receives the discount application signal via the API 120 of the credit management server 108, and the output unit 126 receives information included in the discount application signal, for example, an electronically recorded bond owned by the creditor. Outputs information such as the number, desired discount date, and desired discount amount. Based on this information, the judgment unit 122c determines whether or not to apply for a discount. When the determination unit 122c approves the application, the result is transmitted to the discount charge calculation unit 122d, and the discount charge calculation unit 122d calculates the discount charge. The discount fee may not be calculated by the discount fee calculation unit 122d, but may be calculated by another server owned by the financial institution.

After the discount fee is fixed, the transmission / reception unit 128 transmits a discount notification signal for notifying the creditor to that effect to the creditor's communication terminal 104 (S232). This discount notification signal does not necessarily have to include detailed information such as the discount fee, discount date, and discount price. After confirming the receipt of this notification, the creditor can access 108 via a banking service or the like using the communication terminal 104 to obtain detailed information.

After that, the discount price obtained by subtracting the discount fee from the principal of the electronically recorded loan is transferred to the creditor's account, and the electronically recorded loan is transferred to the financial institution. Specifically, the transfer / withdrawal command unit 122f transmits a transfer signal to the account management server (S234). The transfer of the electronically recorded claim is started by the transmission / reception unit 128 transmitting the recording application signal generated by the recording request / receiving unit 122b to the recording server 110 (S236), and the recording server 110 sends this to the recording ledger in the database 112. Complete by recording the application. After the transfer is recorded, the recording server 110 may transmit a recording notification signal for notifying the transfer to the credit management server 108 of the financial institution (S238).

The discount charge equivalent charge calculation unit 122e of the credit management server 108 periodically accesses the information stored in the area 138, and the number of the electronically recorded loan for which the discount charge equivalent charge should be paid and the discount charge equivalent charge for each obligor. , Extract creditor information, etc., and calculate the discount fee equivalent fee. This information is listed as shown in FIGS. 6 and 7, and is provided to the debtor via a banking service or the like by the credit management server 108 under the protection of a certain level of security. After that, the credit management server 108 transmits the inquiry signal generated by the discount charge equivalent charge calculation unit 122e to the communication terminal 106 of each obligor via the transmission / reception unit 128 (S240). Like the discount notification signal, this inquiry signal does not necessarily have to include detailed information such as a discount fee equivalent fee and the number of electronically recorded claims. After confirming the receipt of this inquiry signal, the debtor can access the credit management server 108 via the banking service or the like using the communication terminal 106 to view detailed information.

After that, the discount fee and the fee will be deducted from the debtor's account on the specified date. That is, the transfer / withdrawal command unit 122f transmits a transfer signal and a withdrawal signal to the account management server (S242). As a result, the discount fee equivalent fee is transferred to the creditor's account as a compensation fee in whole or in part through the financial institution, and the fee is collected by the financial institution. The creditor management server 108 uses the transmission / reception unit 128 to send a confirmation signal for notifying that the discount fee equivalent fee, the withdrawal of the fee, the transfer of the discount fee, etc. have been completed, to the communication terminals 104 and 106 of the creditor and the debtor. May be transmitted to (S244, S246). Of the steps described above, S240 to S246 are performed periodically until the principal of the corresponding electronically recorded loan is paid to the financial institution and the electronically recorded loan is extinguished.

When the due date of the electronically recorded loan is reached, the principal is deducted from the debtor's account and the electronically recorded loan is paid off. That is, the transfer / withdrawal command unit 122f transmits a withdrawal signal for withdrawing the principal from the debtor's account to the account management server (S248). After that, the recording request / receiving unit 122b generates an electronically recorded claim extinction application signal, and the transmitting / receiving unit 128 transmits this signal to the recording server 110 (S250). The electronically recorded claim is extinguished by recording the fact of repayment in the record ledger in the database 112 by the recording server 110. After the recording in the record register is completed, the recording server 110 transmits a recording notification signal for notifying that fact to the credit management server 108 (S252). If necessary, the claim management server 108 may send a report notification for notifying that the electronically recorded claim has disappeared to the obligor's communication terminal 106 (S254).

As described above, conventionally, the creditor is the bearer of the discount fee for electronically recorded claims, and various settlement services have been developed based on this premise. However, if the new operational standards of the Subcontract Act are to be followed, conventional payment services cannot handle them, and new payment services will need to be developed.

On the other hand, the payment method and system of the present embodiment can handle both the creditor and the debtor as the bearer of the discount fee, so that the creditor and the debtor have conventionally used the electronic system. The payment service can be continued to be used, the burden on payment operations, etc. can be reduced, and human resources can be continuously effectively utilized. Further, when the debtor bears the discount fee when discounting the electronically recorded claim, the creditor can recover the discount fee temporarily paid at the time of discount from the debtor. In addition, it can motivate debtors to develop measures to reduce the burden of discounted fees, effectively curbing late payments and difficult-to-discount loans. It will be possible. Therefore, it can be said that the embodiment of the present invention provides a settlement method and a system that can appropriately reflect the purpose of the revision of the operational standards of the Subcontract Act in December 2016.

In addition, when the debtor repays the claim in cash, cash corresponding to the amount of the claim flows out from the debtor's hand and flows into the creditor's hand on the payment date of the claim. On the other hand, when the settlement method or system of the present embodiment is used, cash corresponding to the amount of the claim does not flow out from the debtor's hand at the time of the payment due date of the claim, and the debtor electronically discharges the outflow of the cash. It is possible to delay until the due date of the recorded receivables. Therefore, by using the settlement method or system of the present embodiment, it is possible to improve the cash flow of the obligor as compared with the case where the obligor pays the claim in cash.

In addition, in some factoring schemes, the factoring company pays the debt to the obligee on behalf of the obligor on the same date as the payment date, after which the obligor pays the factoring company on the payment date separately agreed with the factoring company. Money may be paid according to the repayment of the claim. Obligations to pay money in response to the repayment of the claim are generally treated as borrowing for the accounting treatment of the debtor. On the other hand, if the settlement method or system of the present embodiment is used, the debtor's obligation to pay the electronically recorded claims to the financial institution can be treated as an electronically recorded debt in the accounting treatment of the debtor, and the debt can be borrowed. It is possible to consider not processing as. It can be said that the settlement method and system of this embodiment are excellent because one index of the soundness of the management of the company is the balance between assets and borrowings.

<Embodiment 2>
Hereinafter, the payment method according to the second embodiment of the present invention and the system for realizing the payment method will be described. The description that overlaps with the description in the first embodiment will be omitted as appropriate.

[1. Overall scheme]
FIG. 9A shows an overall scheme of a settlement method for electronically recorded claims according to this embodiment.

Also in this embodiment, as in the first embodiment, the entity that bears the discount fee is the debtor. However, in the first embodiment, when the creditor applies for a discount on the electronically recorded debt to the financial institution, the financial institution purchases the electronically recorded debt at the amount after deducting the discount fee which is the interest until the payment date of the debt. , The discount fee equivalent fee was calculated regularly, and the debtor was notified regularly that the discount fee equivalent fee was fixed, and the debtor paid the discount fee equivalent fee to the creditor as a compensation fee through the financial institution. ..

On the other hand, in the present embodiment, when the creditor applies for a discount on the electronically recorded claim to the financial institution, the financial institution first records the electronically recorded claim without deducting the discount fee from the amount of the electronically recorded claim. Buy a bond. That is, the financial institution purchases the electronically recorded claim at the amount of the electronically recorded claim (transfer price). Next, the financial institution periodically calculates the discount fee equivalent fee, periodically notifies the debtor that the discount fee equivalent fee has been determined, and the debtor pays the discount fee equivalent fee to the financial institution. Then, as in the settlement method of the electronically recorded claim according to the first embodiment, the principal of the electronically recorded claim is deducted from the debtor's account to the financial institution on the payment date, the claim is paid off, and the information that the claim is paid off. Is sent from the financial institution to the electronically recorded claim recording institution and recorded in the record book, and the electronically recorded claim is extinguished.

The discount on electronically recorded receivables usually means that the financial institution pays the balance after deducting the amount equivalent to the interest until the due date and purchases the electronically recorded receivables before the due date. In the description of the present embodiment, the discount of the electronically recorded claim may be expressed as "discount" even if the electronically recorded claim is purchased without deducting the discount fee from the amount of the electronically recorded claim. ..

As in the case of the first embodiment, the debtor is informed that the discount fee equivalent fee has been determined by the method of settlement of the electronically recorded claim according to the present embodiment, so that the debtor is accompanied by an increase in administrative burden. It is possible to easily and accurately grasp the discount fee equivalent fee that must be paid in a certain period without any problem. Further, when a financial institution purchases an electronically recorded claim, the financial institution purchases the electronically recorded claim without deducting a discount fee from the amount of the electronically recorded claim, so that the creditor can be protected generously. At the same time, it is possible to encourage debtors to make corporate efforts and improve management to avoid paying discount fees, and it is possible to effectively suppress payment delays and the occurrence of loans that are difficult to discount. Further, in this settlement method, neither the creditor nor the debtor needs to use cash, so that no procedural burden is incurred.

In the present embodiment as well, as in the first embodiment, the financial institution can collect the commission from the debtor and the creditor, so that the financial institution can obtain the discount fee and the commission as the final profit. In order to collect a fee from a creditor, a financial institution may, as described above, purchase the electronically recorded claim at the amount of the electronically recorded claim and then collect the fee from the creditor, but this is limited to this. is not it. For example, when a financial institution purchases an electronically recorded claim, the fee may be collected from the creditor by purchasing the electronically recorded claim at an amount obtained by subtracting the fee from the amount of the electronically recorded claim.

Further, also in the present embodiment, as in the first embodiment, the financial institution used by the creditor and the debtor does not have to be the same. For example, the creditor may make a transaction with a second financial institution different from the financial institution shown in FIG. 9 (A). In this case, as shown in FIG. 9B, the creditor applies for a discount to the first financial institution, which is the debtor's financial institution, but the transfer price is from the first financial institution. The money will be sent to the financial institution 2 and then transferred to the creditor's account. That is, within the scope of the present specification and claims, the act of transferring money to the creditor's account is construed to include the act of transferring money to the creditor's account via another financial institution. Although not shown, the fees paid by the creditor are remitted from the creditor's account to the first financial institution through the second financial institution.

[2. flow]
FIG. 10 shows a flowchart when executing the payment method of the present embodiment. As described in the first embodiment, after the creditor and the debtor are registered with the financial institution, when the creditor wishes to discount the electronically recorded claims, one or more of the electronically recorded claims held are specified. , Apply for a discount on the specified electronically recorded loan to the financial institution (S310, equivalent to S210). When the transmission / reception unit 128 of the credit management server 108 receives the discount application, the main control unit 122a extracts information about the creditor and the debtor of the electronically recorded bond from the areas 134 and 136, and stores the information in the area 138 of the storage device 130. Store. After that, the determination unit 122c determines whether or not it is possible to accept the discount by using various parameters such as the payment date of the bond, the amount of the bond, and the credit level.

When it is determined that the discount can be accepted, the discount fee calculation unit 122d calculates the interest from the period until the payment date of the electronically recorded claim and the interest rate, and calculates this as the discount fee (S312, which corresponds to S212). The discount charge calculation unit 122d generates a signal for storing information about the discount charge in the area 138, and the discount charge is stored in the area 138 as data.

After that, the control unit 122 uses the transmission / reception unit 128 to notify the creditor that the discount has been accepted and the discount fee has been calculated by using a communication means such as e-mail (S314, corresponding to S214).

After that, according to the order generated by the transfer / withdrawal order unit 122f, the transfer price, which is the same amount as the amount of the electronically recorded claim, is transferred from the financial institution to the creditor, and the electronically recorded claim is transferred from the creditor to the financial institution. do. The financial institution requests the electronic claim recording institution to record the transfer of the electronically recorded claim, and the transfer is recorded in the database 112 of the electronic claim recording institution, thereby completing the transfer of the electronically recorded claim between the creditor and the financial institution. The discount (S316) is established.

In the settlement method of the present embodiment, the debtor bears the discount fee, and the total amount (discount fee equivalent fee) is periodically notified to the debtor. Specifically, the discount charge equivalent charge calculation unit 122e searches the area 138, extracts the electronically recorded claims to which the creditor should bear the discount charge equivalent charge for each debtor, and calculates the discount charge equivalent charge. (S318, equivalent to S218). Further, the fee for transferring the discount fee equivalent fee and for using the payment system may also be extracted from the area 134 by the discount fee equivalent fee calculation unit 122e.

After that, the fact that these pieces of information are available via the banking service is notified from the transmission / reception unit 128 to the obligor's communication terminal 106 using a communication means such as e-mail (S320, which corresponds to S220).

After that, according to the order of the transfer / withdrawal order unit 122f, the discount fee equivalent fee is withdrawn from the debtor's account to the financial institution on a predetermined day (S322). In addition, according to the order of the transfer / withdrawal order unit 122f, the fee required for the transfer or the like is deducted from the accounts of the creditor and the debtor (S324, equivalent to S224).

Through this series of flows, the creditor can have the financial institution purchase the electronically recorded loan without paying the discount fee. Further, as in the case of the first embodiment, since the debtor can be motivated to construct a measure for reducing the burden of the discount fee equivalent fee, it is effective to generate late payment and difficult-to-discount claims. It becomes possible to suppress it.

As described above, in the flow described with reference to FIG. 10, the financial institution collects the fee from the creditor after purchasing the electronically recorded claim at the amount of the electronically recorded claim in order to collect the fee from the creditor. I explained it as taking the method. Unlike this, when a financial institution purchases an electronically recorded loan, the flow when the amount of the electronically recorded loan is deducted from the fee is different from the flow described with reference to FIG. 10 in the following points.

First, after the control unit 122 notifies the creditor that the discount has been received and the discount fee has been calculated using the transmission / reception unit 128 (S314), the electronic recording is performed according to the command generated by the transfer / withdrawal command unit 122f. The difference is that the transfer price, which is the amount of the claim minus the fee, is transferred from the financial institution to the creditor, and the electronically recorded claim is transferred from the creditor to the financial institution. Second, the fee is not deducted from the creditor's account (S324).

FIG. 11 shows data and data between the creditor's communication terminal 104, the debtor's communication terminal 106, the financial institution's credit management server 108, and the electronic creditor recording institution's recording server 110 in implementing the settlement method of the present embodiment. It is a flowchart which shows the exchange of a signal. This figure shows a flowchart after the registration of creditors and debtors is completed.

First, the creditor applies for a discount on electronically recorded claims. Specifically, the communication terminal 104 transmits a discount application signal to the credit management server 108 of the financial institution (S330, which corresponds to S230). Similar to the first embodiment, when the transmission / reception unit 128 of the credit management server 108 receives the discount application signal, the judgment unit 122c determines whether or not the discount application is possible, and the judgment unit 122c accepts the application, the discount fee is calculated. Part 122d calculates the discount fee.

After the discount fee is determined, the transmission / reception unit 128 transmits a discount notification signal for notifying the creditor to that effect to the creditor's communication terminal 104 (S332, corresponding to S232), as in the first embodiment.

After that, the same amount as the principal of the electronically recorded loan is transferred to the creditor's account, and the electronically recorded loan is transferred to the financial institution. Specifically, the transfer / withdrawal command unit 122f transmits a transfer signal to the account management server (S334). Similar to the first embodiment, the transfer of the electronically recorded claim is started by the transmission / reception unit 128 transmitting the recording application signal generated by the recording request / receiving unit 122b to the recording server 110 (corresponding to S336 and S236), and the recording server. 110 completes by recording this application in the record book in database 112. After the transfer is recorded, the recording server 110 may transmit a recording notification signal for notifying the transfer to the credit management server 108 of the financial institution (S338, corresponding to S238).

Then, as in the first embodiment, the discount charge equivalent charge calculation unit 122e of the credit management server 108 periodically calculates the discount charge equivalent charge for each obligor. After that, the credit management server 108 transmits the inquiry signal generated by the discount charge equivalent charge calculation unit 122e to the communication terminal 106 of each obligor via the transmission / reception unit 128 (S340, which corresponds to S240).

Then, on the specified day, the discount fee and the fee will be deducted from the debtor's account, and the fee will be deducted from the creditor's account. That is, the transfer / withdrawal command unit 122f transmits a withdrawal signal to the account management server (S342). As a result, discount fees and fees are collected by financial institutions.

The creditor management server 108 uses the transmission / reception unit 128 to send a confirmation signal for notifying that the discount fee equivalent fee, the withdrawal of the fee, the transfer of the discount fee, etc. have been completed, to the communication terminals 104 and 106 of the creditor and the debtor. May be transmitted to (S344, S346; corresponding to S244, S246). Of the steps described above, S340 to S346 are performed periodically until the principal of the corresponding electronically recorded loan is paid to the financial institution and the electronically recorded loan is extinguished.

As in the first embodiment, when the payment date of the electronically recorded loan is reached, the principal is deducted from the debtor's account and the electronically recorded loan is paid off. That is, the transfer / withdrawal command unit 122f transmits a withdrawal signal for withdrawing the principal from the debtor's account to the account management server (S348, corresponding to S248). After that, the recording request / receiving unit 122b generates an electronically recorded claim extinction application signal, and the transmitting / receiving unit 128 transmits this signal to the recording server 110 (S350, corresponding to S250). The electronically recorded claim is extinguished by recording the fact of repayment in the record ledger in the database 112 by the recording server 110. After the recording in the record register is completed, the recording server 110 transmits a recording notification signal for notifying that fact to the credit management server 108 (S352, which corresponds to S252). If necessary, the claim management server 108 may send a report notification for notifying that the electronically recorded claim has disappeared to the obligor's communication terminal 106 (S354, corresponding to S254).

As described above, in the flow described with reference to FIG. 11, in order to collect the fee from the creditor, the financial institution purchases the electronically recorded claim at the amount of the electronically recorded claim and then collects the fee from the creditor. I explained it as taking the method. Unlike this, when a financial institution purchases an electronically recorded loan, the flow when the amount of the electronically recorded loan is deducted from the fee is different from the flow described with reference to FIG. 11 in the following points.

First, after the transmission / reception unit 128 transmits the discount notification signal to the creditor's communication terminal 104 (S332), the amount obtained by subtracting the commission from the principal of the electronically recorded loan is transferred to the creditor's account. Second, it differs in that fees are not deducted from the creditor's account.

As in the case of the first embodiment, the payment method and the system of the present embodiment can handle the case where the bearer of the discount fee is either the creditor or the debtor, and therefore the creditor and the debtor have conventionally used it. It is possible to continue to use the electronic payment service, reduce the burden of payment operations, and continue to effectively utilize human resources. Further, when the debtor bears the discount fee when discounting the electronically recorded claim, the creditor can recover the discount fee temporarily paid at the time of discount from the debtor. In addition, it can motivate debtors to develop measures to reduce the burden of discounted fees, effectively curbing late payments and difficult-to-discount loans. It will be possible. Therefore, it can be said that the embodiment of the present invention provides a settlement method and a system that can appropriately reflect the purpose of the revision of the operational standards of the Subcontract Act in December 2016.

Further, by using the settlement method or system of the present embodiment, it is possible to improve the cash flow of the obligor as compared with the case where the obligor pays the claim in cash, as in the first embodiment.

Further, as in the first embodiment, when the settlement method and the system of the present embodiment are used, the debtor is obliged to pay the electronically recorded receivables to the financial institution for the accounting treatment of the debtor as an electronically recorded debt instead of a loan. It will be possible to consider processing.

100: System, 102: Communication network, 104: Communication terminal, 106: Communication terminal, 108: Credit management server, 110: Recording server, 112: Database, 120: Application programming interface (API), 122: Control unit, 122a: Main control unit, 122b: Record request / receipt unit, 122c: Judgment unit, 122d: Discount charge calculation unit, 122e: Discount charge equivalent charge calculation unit, 122f: Transfer / withdrawal command unit, 124: Input unit, 126: Output unit , 128: Transmitter / receiver, 130: Storage device, 132: Area, 134: Area, 136: Area, 138: Area

Claims (15)

A judgment unit that determines whether or not a discount can be accepted based on parameters including the payment date and amount of the electronically recorded claim in response to a signal regarding the application for a discount on the electronically recorded claim, and it is determined that the discount can be accepted. when the said signal for executing a process of transfer money to the amount of the electronic records receivables creditor's account, regularly calculated discounts corresponding fee corresponding to discounts of said electronic recording receivables electronic a signal for executing the processing to debit the creditor's account records receivables, transfer / withdrawal of generating a signal for the amount of the electronic recording claims executes processing to debit the debtor's account of the electronic recording receivables comprising instructions unit, bonds right management device. The claim management device according to claim 1, further comprising a transmission / reception unit for transmitting a signal for notifying the discount charge equivalent fee to the obligor or the communication terminal of the obligee. The claim management device according to claim 1, wherein the transfer / withdrawal order unit is configured to further execute a process of withdrawing a fee from the obligor's account. The claim management device according to claim 1, wherein the transfer / withdrawal command unit is configured to further execute a process of withdrawing a fee from the account of the creditor. The claim management device according to claim 1, further comprising a discount fee calculation unit for calculating the discount fee of the electronically recorded claim. On your computer,
In response to the signal regarding the application for discount on the electronically recorded loan, the process of determining whether or not the discount can be accepted based on the parameters including the payment date and amount of the electronically recorded loan.
When it is determined that the discount can be accepted, the signal for processing to transfer the amount of the electronically recorded claim to the creditor's account and the signal.
A signal for processing debit regularly calculated discounts corresponding fee corresponding to discounts of said electronic recording creditor creditor account of the electronic recording claims,
A program that causes a signal to be generated for processing to withdraw the amount of the electronically recorded claim from the debtor's account of the electronically recorded claim. To the computer
The program according to claim 6, further executing transmission of a signal for notifying the discount charge equivalent fee to the obligor or the communication terminal of the obligee. To the computer
The program of claim 6, further performing a process of deducting a fee from the obligor's account. To the computer
The program of claim 6, further performing a process of debiting the fee from the creditor's account. The program according to claim 6, wherein the computer further executes a process of calculating the discount fee of the electronically recorded claim. A step of determining whether or not a discount can be accepted based on a parameter including the payment date and amount of the electronically recorded loan in response to a signal regarding an application for a discount on the electronically recorded loan.
When the discount acceptance has been determined to be possible, are regularly calculated, which corresponds with the transfer signal for executing a process of transfer money the amount of electronic records creditors to creditors of the account, the discount fee before Symbol electronic records receivables and a draw-down signal to debit the discounts corresponding fee from the creditor account of the electronic recording receivable, generates and transmits a withdrawal signal to debit the amount of the electronic recording creditor from debtor's account of the electronic recording receivables Steps to do, including
All of the steps are performed in one single loan management apparatus, account management method. The claim management method according to claim 11, further comprising transmitting a notification signal for notifying the obligor or the communication terminal of the obligee of the discount charge equivalent fee. The claim management method according to claim 11, further comprising transmitting a withdrawal signal for withdrawing the fee from the obligor's account. The creditor management method according to claim 11, further comprising transmitting a withdrawal signal for withdrawing the fee from the creditor's account. The claim management method according to claim 11, further comprising the step of calculating the discount fee for the electronically recorded claim.

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