JP7049948B2 - Credit factoring support system - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Act Delivered by Hirata Shokai Co., Ltd. on January 9, 2018 Delivered by Grace Garden Co., Ltd. on January 18, 2018 Marufuku Co., Ltd. on February 20, 2018 Delivered by Suisho Co., Ltd. on April 20, 2018

The present invention relates to a system that supports credit factoring.

There are financial services that make it possible to purchase and monetize trade receivables held by companies and sole proprietors. Such financial services are called factoring or the like.
In this specification, such financial services are referred to as receivables factoring, and the receivables covered by the receivables factoring are referred to as trade receivables. Trade receivables include accounts receivable and bills receivable, and mean monetary receivables generated by a company selling goods and services.

The following Patent Document 1 discloses a factoring agency system. This system receives the billing details information of the price generated by the commodity transaction via the portal site, generates factoring target data from this billing details information based on the conditions specified by the supplier, and purchases this data. It is sent to the institution, and the purchasing financial institution is made to extract the receivables that can be purchased from the factoring target data, and the price of the receivables that can be purchased is sent to the financial institution designated by the supplier.

International Publication No. 2002/023421

However, in the system of Patent Document 1 described above, since the sales receivables paid in installments are not taken into consideration, there is a possibility that appropriate support cannot be provided when the sales receivables whose balance changes depending on the collection status are targeted for factoring.

The present invention has been made in view of such circumstances, and provides a technique for appropriately supporting receivable factoring including installment payment receivables.

The credit factoring support system according to one aspect of the present invention adopts the following configuration in order to solve the above-mentioned problems. That is, the receivable factoring support system related to this aspect is an update means for updating the receivable information for each trade receivable including the collection information stored in the receivable information database at any time according to the collection status of each trade receivable, and the receivables. Target company based on the judgment means for determining the rank of each traded receivable using the receivable information stored in the information database, and the receivable information stored in the receivable information database and the rank determined by the judgment means. It is provided with a display processing means for outputting a list display of trade receivable information including a rank for each trade receivable to a target company terminal, which targets a part or all of the trade receivable group. Then, the list display is output to the target company terminal in a state in which the sales receivables to be sold can be selected by the user operation.

According to the present invention, it is possible to provide a technique for appropriately supporting receivable factoring including installment payment receivables.

It is a figure which conceptually shows the hardware composition of the credit factoring support system (support system) which concerns on 1st Embodiment. It is a figure which conceptually shows the processing structure of the credit information server and the factoring server in 1st Embodiment, respectively. It is a figure which shows the example of the bond information table schematically. It is a figure which shows the example of the factoring information table schematically. It is a figure which shows the example of the sale receivables selection input screen. It is a figure which shows the example of the receivables information table to be sold. It is a figure which shows the example of the purchase receivables determination screen. It is a figure which shows the example of the purchase receivable determination confirmation screen. It is a figure which conceptually shows the processing configuration of the credit information server and the factoring server in the second embodiment, respectively. It is a figure which shows the example of the factoring implementation estimation screen.

Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described with reference to the drawings. Each of the following embodiments is an example, and the present invention is not limited to the configuration of each of the following embodiments.

[First Embodiment]
Hereinafter, the credit factoring support system (hereinafter, may be abbreviated as a support system) 1 according to the first embodiment will be described.

[Hardware configuration]
FIG. 1 is a diagram conceptually showing each hardware configuration of the support system 1 according to the first embodiment.
The support system 1 according to the first embodiment has a credit information server 10, a factoring server 20, and the like that are communicably connected by a communication network 2. FIG. 1 shows an example in which the credit information server 10 and the factoring server 20 are separately formed, but they may be formed as one server device or as three or more server devices. May be good.
The communication network 2 is composed of a combination of a mobile phone line network, a Wi-Fi (Wireless Fidelity) line network, an Internet communication network, a dedicated line network, a LAN (Local Area Network), and the like. However, the communication method and communication mode in the communication network 2 are not limited.

The credit information server 10 and the factoring server 20 are so-called computers (information processing devices), for example, a CPU (Central Processing Unit) 12 or 22 connected to each other by a bus, a memory 14 or 24, and an input / output interface (I / O). F) It has 16 or 26, a communication unit 18 or 28, and the like.
The CPU 12 or 22 may include an integrated circuit (ASIC) for a specific application, a DSP (Digital Signal Processor), a GPU (Graphics Processing Unit), and the like, in addition to a general CPU.
The memory 14 or 24 is a RAM (Random Access Memory), a ROM (Read Only Memory), an auxiliary storage device (hard disk or the like).
The input / output I / F 16 or 26 can be connected to a user interface device such as an output device and an input device (not shown). The output device includes a display device, a printing device, and the like, and the display device displays a screen corresponding to drawing data processed by a CPU or the like, such as an LCD (Liquid Crystal Display) or a CRT (Cathode Ray Tube) display. It is a device. The input device is a device that receives input of a user operation such as a keyboard and a mouse. The display device and the input device may be integrated and realized as a touch panel.
The communication unit 18 or 28 communicates with another computer via the communication network 2, exchanges signals with other devices, and the like. A portable recording medium or the like may also be connected to the communication unit 18 or 28.
The credit information server 10 and the factoring server 20 may include hardware elements not shown in FIG. 1, and the number of these hardware elements is not limited to the example shown in FIG. The hardware configuration of the credit information server 10 and the factoring server 20 is not limited.

The purchasing company terminal 7 and the selling company terminal 9 are connected via the communication network 2 so as to be able to communicate with one or both of the credit information server 10 and the factoring server 20.
The purchasing company terminal 7 and the selling company terminal 9 are so-called computers (information processing devices), and have a CPU, a memory, an input / output I / F, a communication unit, and the like as described above (not shown). .. The purchasing company terminal 7 or the selling company terminal 9 may be realized as a portable computer such as a notebook PC, a smartphone, or a tablet terminal, or may be realized as a stationary computer.
The purchasing company terminal 7 is a computer used by a business operator (hereinafter referred to as a purchasing company) that purchases sales receivables by receivable factoring.
The sales company terminal 9 is a computer used by a business operator (hereinafter referred to as a sales company) who sells his / her own sales receivables by receivable factoring.
There are no restrictions on the hardware configuration of the purchasing company terminal 7 and the selling company terminal 9.

[Processing configuration]
FIG. 2 is a diagram conceptually showing the processing configurations of the credit information server 10 and the factoring server 20 in the first embodiment, respectively.
The credit information server 10 has a credit information database (DB) 32, an update unit 34, and the like.
The factoring server 20 has a data reference unit 41, a factoring information database (DB) 42, a determination unit 43, a display processing unit 44, a notification unit 45, and the like.
Each of these processing modules shown in FIG. 2 is, for example, a software element realized by loading and executing a program stored in the memory 14 or 24 in the CPU 12 or 22. Further, the program is installed from a portable recording medium such as a CD (Compact Disc), a memory card, or another computer on the network via the communication unit 18 or 28, and is stored in the memory 14 or 24. You may.

The receivable information DB 32 stores the receivable information for each sales receivable. The receivable information includes at least collection information of each trade receivable. The collection information of trade receivables indicates at least the collection status of trade receivables.
The receivable information DB 32 can store receivable information of various receivables including sales receivables collected by installment payment.
In the present embodiment, the claim information DB 32 includes the claim information table shown in FIG.
FIG. 3 is a diagram schematically showing an example of a bond information table.
The bond information table illustrated in FIG. 3 shows the selling company ID, customer ID, bond ID, bond rank, collection method, contract date, number of payments, remaining number of times, last month of collection, debt balance, principal balance, and commission. Each item of the balance is held as a field, and the receivable information for each trade receivable is stored as a record consisting of these fields. In the example of FIG. 3, the remaining number of times, the debt balance, the principal balance, and the commission balance correspond to the collection information of the trade receivables.

The selling company ID is information that can identify the selling company that holds the trade receivables.
The customer ID is information that can identify the obligor of the trade receivable.
The claim ID is information that can identify the trade receivable.
The receivable rank is the rank of the trade receivable determined by the determination unit 43, which will be described later. For example, the credit rank is set in five stages from A to E in alphabetical order. However, the notation and stage of the claim rank are not limited to such an example, and may be indicated by a number, and the stage is not limited to five stages.
The collection method is information that can specify the collection method of trade receivables. As the collection method, for example, information that can specify an account transfer, a transfer, or the like is set.
The contract date indicates the conclusion date of the contract that is the cause of the generation of trade receivables.
The number of payments indicates the total number of installment payments of trade receivables.
The remaining number of payments indicates the number of payments remaining until all the trade receivables are collected, and is the number of times the total number of payments minus the number of payments made.
The final collection month indicates the month in which the final collection of trade receivables is made.
The debt balance indicates the amount of money left for the debtor to pay off the payment of the trade receivable.
The principal balance indicates the principal amount of the uncollected portion of the principal amount of the trade receivable (the amount that causes interest).
The commission balance is the remaining amount obtained by subtracting the principal balance from the debt balance, and indicates the uncollected amount of the amount other than the principal of the trade receivable (interest, etc.).

In addition to the above-mentioned claim information table, the claim information DB 32 may further have a claim collection management table including information on a collection plan and collection record for each traded claim (not shown). For example, the debt collection management table has each item such as the scheduled collection date, the planned collection amount, the presence / absence of collection (completed or incomplete), and the actual collection date as fields, and the collection information for each collection date of each trade receivable is used as a record. Store. In this case, for example, the collection information (record) on the scheduled collection date (June 26) of a certain trade receivable includes the planned collection amount (100,000 yen), the presence / absence of collection (completion), and the actual collection date (June 26). Items such as day) are set.
However, in the present embodiment, the specific mode of the claim information DB 32 is not limited to such an example as long as the claim information for each sales claim including at least the collection information is stored.

The renewal unit 34 updates the receivable information for each sales receivable stored in the receivable information DB 32 at any time according to the collection status of each trade receivable. Therefore, the renewal unit 34 can be rephrased as an renewal means for updating the receivable information for each sales receivable including the collection information stored in the receivable information database at any time according to the collection status of each sales receivable.
For example, the renewal unit 34 acquires collection information of trade receivables, reflects the acquired collection information in the debt collection management table, and then refers to the debt collection management table to be the target of the above-mentioned debt information table. Update the remaining number of trade receivables in the receivable information (record), debt balance, principal balance and commission balance.

In order to acquire the collection information of each sales receivable, the update unit 34 can output a display for causing the sales company terminal 9 to input the collection status of the sales receivables owned by the company. Further, the renewal unit 34 can also acquire the account transfer information as the collection information from the bank system for the sales receivable whose collection method is the account transfer.
The renewal unit 34 may update the receivable information for each sales receivable at any time according to the collection status indicated by the collection information acquired by such a method, and the specific renewal method is not limited.
Further, the entry of the receivable information into the receivable information DB 32 may be manually performed by the administrator of the support system 1 when the receivable is generated (at the time of contract), or the information of the receivable at the time of contract is acquired. It may be performed automatically by the support system 1. Further, the bond information server 10 displays an input screen for entering the bond information in the sales company terminal 9, and the user of the sales company terminal 9 inputs the data via the input screen to the bond information DB 32. Credit information may be set.

The factoring information database (DB) 42 stores factoring information for each company or each factoring matter. In this embodiment, the factoring information DB 42 includes the factoring information table shown in FIG.
FIG. 4 is a diagram schematically showing an example of a factoring information table.
The factoring information table exemplified in FIG. 4 stores factoring information as a record for each selling company and each factoring case. Each record of factoring information includes the selling company ID, the case ID, the case name, the actual annual rate of purchase, the prepaid rate, the selected loan rank, the standard number of collected loans, the number of unpaid balances, the customer limit ratio, the postpaid payment classification, and the repayment. It has each item of unstarted loan purchase, purchase date, and settlement date as a field.

The selling company ID is the same as the selling company ID in the above-mentioned bond information table (see FIG. 3).
The matter ID is information that can identify the factoring matter. The matter ID may be a unique ID for each selling company, or may be a unique ID for all selling companies.
The matter name indicates the name of the factoring matter.
The actual annual purchase rate is information for determining the factoring fee of the purchasing company.
The prepayment rate indicates the ratio of the price paid to the selling company at the time of factoring execution (at the time of purchase) in the principal balance of the trade receivables at the time of factoring execution (at the time of purchase), that is, the amount to be purchased by the purchasing company. For example, if the prepayment rate is set to 100%, the amount obtained by subtracting the purchase company's commission (transfer fee) from the purchase target amount (100%) is paid to the selling company at the time of factoring, and the prepayment rate is 80%. When set to, when factoring is executed, 80% of the purchase target amount minus the purchase company's commission (transfer fee) is paid to the selling company, and the remaining 20% is postpaid as the reserved transfer price.
The selected receivable rank indicates the lower limit of the receivable rank that can be purchased among the receivable ranks for each trade receivable managed in the above-mentioned receivable information table (see FIG. 3).
The standard number of collected collections is one of the rank determination conditions referred to when the determination unit 43, which will be described later, determines the claim rank. The details will be described later, but the receivable rank is determined by comparing the standard number of collections with the actual number of collections of each trade receivable.
The number of unexpired remaining times is also one of the rank determination conditions. The details will be described later, but the receivable rank is determined by comparing the number of unexpired receivables with the number of receivables collected until the payment of each trade receivable.
The customer limit ratio indicates the ratio allowed by the ratio of the sales receivables of one customer in the sales receivables group purchased by one factoring.
The deferred payment settlement category indicates the settlement method of the deferred payment paid from the purchasing company to the selling company, and the final lump sum settlement monthly settlement is set.
The purchase of unpaid receivables is information indicating whether or not the sales receivables for which repayment (collection) has not yet started, that is, the trade receivables for which the first collection date and time has not been reached are to be factored.
The purchase date indicates the date when the factoring of the target factoring project was carried out.
The settlement date indicates the date on which all payments have been made from the purchasing company to the selling company in the target factoring project.

As described above, in the factoring information table exemplified in FIG. 4, it can be said that the standard number of collected collections and the number of unexpired remaining times are rank determination conditions determined for each company or each factoring project, and the selected loan rank, It can be said that the customer limit ratio and the purchase of unpaid receivables are factoring conditions, which are conditions that can be sales receivables to be sold or purchased.
However, in the present embodiment, if factoring information including the rank determination condition determined for each company or factoring project, or the factoring condition which is a condition that can be a trade receivable to be sold or purchased, is stored. The specific aspect of the factoring information DB 42 is not limited to such an example.

The data reference unit 41 refers to the credit information DB 32 and the factoring information DB 42 in response to a request from another processing module, and passes the referenced data to the request source. In the present embodiment, the factoring information DB 42 is realized on the same computer (factoring server 20) as the data reference unit 41, and the credit information DB 32 is realized on a computer (credit information server 10) external to the data reference unit 41. Has been done. Therefore, the data reference unit 41 refers to the information stored in the credit information DB 32 by communication via the communication network 2.

The determination unit 43 determines the rank of each sales receivable by using the receivable information stored in the receivable information DB 32. Specifically, the determination unit 43 determines the rank determination conditions (standard collection count and unexpired remaining count) included in the factoring information of the target company stored in the factoring information table (see FIG. 4) of the factoring information DB 42. It is used to determine the rank of each trade receivable of the target company.
For example, the determination unit 43 acquires the remaining number of collections (remaining number of times in FIG. 3) from the receivable information DB 32 to the repayment of the target trade receivable, and the remaining number of collections is larger than the unremaining number of times stored in the factoring information DB 42. If there are many, the bond rank is determined to be D. When the remaining number of collections is less than or equal to the remaining number of uncollected, the determination unit 43 acquires the actual number of collections (number of payments-remaining number) of the target trade receivable from the claim information DB 32, and factoring with the number of collections. The credit rank is determined as follows by comparing with the standard number of collected times stored in the information DB 42. The determination unit 43 determines the bond rank to C when the number of collected times is less than the number of times the standard number of times has been completed (for example, 4 times) minus 1 time (for example, 3 times), and the determination unit 43 determines the credit rank to C and collects more than the standard number of times completed. When the number of payments is small, the bond rank is determined to be B, and in other cases (when the number of collections is equal to or greater than the standard number of payments), the bond rank is determined to be A.
However, the method of determining the bond rank using the rank determination condition stored in the factoring information DB 42 is not limited to such an example.

As described above, according to the present embodiment, since the rank of each trade receivable is determined using the rank determination condition stored in the factoring information DB 42, the rank determination condition can be changed for each company or factoring project. .. This makes it possible to flexibly set the conditions of trade receivables that can be the target of factoring, such as for each company or for each factoring project.

Here, as described above, the receivable information stored in the receivable information DB 32 is updated at any time according to the collection status of each trade receivable (update unit 34). On the other hand, the determination unit 43 determines the bond rank by using the collection information (for example, the remaining number of times) of the bond information stored in the bond information DB 32.
In other words, the receivable rank is information that can change at any time depending on the collection status of trade receivables.
Therefore, when the list display of the trade receivable information described later is output to the sales company terminal 9, the determination unit 43 uses the receivable information stored in the receivable information DB 32 and updated according to the collection status. Therefore, it is preferable to determine the rank of each trade receivable of the target company corresponding to the sales company terminal 9.
In this way, in the list display output to the sales company terminal 9, the latest bond rank determined based on the bond information reflecting the latest collection status is displayed, so that the sales company can display the latest bond rank. Based on the latest information, you can select the trade receivables to be sold.

The display processing unit 44 outputs various displays based on the information stored in the credit information DB 32 or the factoring information DB 42 to the purchasing company terminal 7 or the selling company terminal 9. The specific output method of various displays is not limited. For example, the display processing unit 44 displays display data (HTML data, etc.) so that various displays are output via a WEB browser or a dedicated application (program) executed on the purchasing company terminal 7 or the selling company terminal 9. Is transmitted to the purchasing company terminal 7 or the selling company terminal 9.
Hereinafter, the output processing to the selling company terminal 9 and the output processing to the purchasing company terminal 7 in the display processing unit 44 will be described in order.

[Output processing to the sales company terminal 9]
The display processing unit 44 performs the following display processing in order to assist the selling company in selecting the trade receivable to be sold.
As a specific display example, there is a list display of trade receivable information including the credit rank for each trade receivable. The display processing unit 44 targets a part or all of the sales receivable group of the target company based on the receivable information stored in the receivable information DB 32 and the receivable rank determined by the determination unit 43, for each trade receivable. The list display of the trade receivable information including the rank is output to the terminal of the target company (sales company terminal 9). Then, the list display is output to the terminal of the target company (sales company terminal 9) in a state where the trade receivables to be sold can be selected by the user operation.

FIG. 5 is a diagram showing an example of a sales receivable selection input screen.
The screen exemplified in FIG. 5 includes a matter display D11, a selection status display D12, a list display D13, and a function key display (D14, D15, D16, and D17 are activated), and is a sales company terminal. The factoring item related to the selling company is selected by the operation of 9, and is displayed.
The matter display D11 displays the matter ID and the matter name of the factoring matter selected for the target sales company. Information on these factoring cases can be obtained from the factoring information table described above.

The list display D13 is a specific example of a list display of trade receivable information including a rank for each trade receivable, which is output to the sales company terminal 9.
The display processing unit 44 specifies the receivable information of the trade receivables associated with the sales company ID of the target receivable company from the receivable information table of the receivable information DB 32, and uses the specified receivable information to list. The display data of the display D13 can be generated. Therefore, each item of the receivable information of each trade receivable displayed on the list display D13 corresponds to each item of the receivable information table. In the list display D13, the item in the third column from the left shows the bond rank.
The leftmost column "selection" in the list display D13 can be checked or unchecked by the user operation of the sales company terminal 9. Therefore, the user of the sales company terminal 9 operates the input device of the sales company terminal 9 to check this item "selection", so that the sales receivables displayed on this screen are targeted for sale. You can select the trade receivables you want.

In this way, the list display of the sales receivable information is output to the selling company terminal 9 based on the receivable information updated as needed according to the collection status, and the selling company can use this list display to display the receivable rank for each sales receivable. You can select the trade receivables you want to sell while checking the credit information such as. This makes it possible to facilitate the work of performing bond factoring and promote the utilization of bond factoring. That is, according to the present embodiment, it is possible to appropriately support the receivable factoring including the sales receivables paid in installments.

The selection status display D12 shows the selection status of the trade receivables to be sold, and displays the total amount information of the selected trade receivables. In the selection status display D12, "number of receivables" indicates the number of selected trade receivables, "receivable balance" indicates the total current balance of selected trade receivables, and "number of unpaid receivables" is Shows the total number of trade receivables that are currently unpaid for the selected trade receivables, and "Unpaid amount" is the balance of trade receivables that are currently unpaid for the selected trade receivables. Shows the total, "Principal balance" shows the total current balance of the principal of the selected trade receivables, and "(Unpaid amount)" under "Principal balance" is selected. Shows the total current balance of the principal of the trade receivables that are currently unpaid in the trade receivables, and the "commission balance" is the current portion of the selected trade receivables other than the principal (contract fee portion). Shows the total balance, and under "Commission balance", "(Unpaid amount)" is the selected trade receivables other than the principal of the trade receivables that are currently unpaid (contract fee). Part) shows the total current balance.

It is preferable that the display of the selection status of the sale target is updated every time the selection status of the sale target changes. That is, the display processing unit 44 displays a list of trade receivable information including the rank of each trade receivable, and displays the total amount information of the trade receivables selected as the target for sale in the list display on the terminal of the target company (sales company). It is preferable to output to the terminal 9) and update the total amount information display at any time according to the change in the selection status of the sale target in the list display.
In this way, the selling company (user of the selling company terminal 9) selects the trade receivable to be sold while checking the total amount information display and roughly predicting the amount to be funded. Therefore, it is possible to facilitate the work in performing the bond factoring.
However, the content of the total amount information display updated according to the change in the selection status is not limited to the example shown in FIG. 5, and may include other information, or some information shown in FIG. May be excluded.

Further, in the example of FIG. 5, in the list display D13, the receivable information of the trade receivables of the receivable ranks “A” and “D” is displayed, but the selected receivable rank stored in the factoring information table of the factoring information DB 42. Only trade receivables with the above receivable ranks may be listed. For example, for factoring projects in which "A" is set for the selected receivable rank in the factoring information table, the receivable information of only the sales receivables with the receivable rank "A" is displayed in a list, and the receivable rank is "B" or lower. Trade receivables may not be displayed.
That is, the display processing unit 44 ranks each trade receivable so that the trade receivables having a rank that does not match the factoring conditions (for example, the selected credit rank) included in the factoring information of the target company are not selected as the sales target. It is preferable to control the list display of trade receivable information including.
By doing so, it is possible to prevent trade receivables having a rank that does not meet the determined factoring conditions from being selected for sale, thus reducing the complexity of the work related to receivable factoring. And, by extension, the use of credit factoring can be promoted.

The specific control method for "not being selected" here is not limited. For example, as described above, the list display may be controlled so as not to include sales receivables (sales receivables that should not be selected) having a rank that does not meet the factoring conditions, or the list display may be performed. In the line of trade receivables that should be excluded from the selection, the item "selection" may be controlled so that it is not checked by user operation, or when the list display is finished (when the screen is closed). , When a trade receivable that should be excluded from the selection target is selected as a sales target, an error display may be performed and the list display may be controlled so as not to be terminated.

In the function key display, the function key displays D14, D15, D16 and D17 are activated. When the F5 key (display D14) is operated, a display showing the payment history of each trade receivable is output, and when the F8 key (display D15) is operated, a display showing the collection schedule (collection plan) of each trade receivable is displayed. Is output. These displays can be generated by using information stored in the debt collection management table (not shown) of the debt information DB 32.
When the F10 key (display D16) is operated, a confirmation screen for confirming the trade receivable selected at the time of the operation as the sale target is displayed, and the sale target is displayed according to the operation on this confirmation screen. It will be confirmed. However, the determination of the sale target here is the intention of the selling company to the last, and whether or not it is actually the purchase target depends on the operation on the purchasing company terminal 7, as will be described later. Become. When the F12 key (display D17) is operated, the screen transitions to the screen displayed before the screen of FIG.

In this way, the display processing unit 44 sells the sales receivables selected by the user operation in the list display of the sales receivable information including the rank for each sales receivable, which is output to the target company terminal (sales company terminal 9). It is preferable that the target confirmation operation (in the above example, the operation of the F10 key and the confirmation operation on the confirmation screen), which is a user operation for confirming the delivery target, can be detected. For example, when the target determination operation is detected, the display processing unit 44 displays the receivable information of the sales receivable selected as the target for sale together with the factoring matter ID in a table as shown in FIG. Can be retained.

FIG. 6 is a diagram showing an example of a bond information table to be sold. In the table shown in FIG. 6, only the receivable information of the sales receivable that was selected when the target determination operation was detected is stored, and the content of the receivable information is also the content when the target determination operation is detected. Stored.
As a result, it is possible to grasp whether the selected state as the sale target in the list display is a fixed state or an undetermined state for the selling company, so it is possible for the purchasing company to accurately determine whether or not the receivable factoring may be carried out. You can judge.
Until the target determination operation is detected, the claim information is not stored in the table shown in FIG. 6, and the selection status at that time may be separately held by the display processing unit 44.

Here, the timing of collection of trade receivables differs depending on the collection method. For example, the timing of collection of trade receivables for fund transfer is predetermined every month (for example, 26th), and as described above, the update department 34 obtains fund transfer information from the bank system to obtain the collection status. Can be grasped.
Since the balance of trade receivables changes each time they are collected, the funds that the selling company assumed that the target trade receivables would be collected between the determination of the sales target and the implementation of the receivable factoring. There may be a discrepancy between the amount and the amount actually funded.
Therefore, it is more preferable that the display processing unit 44 controls so that the above-mentioned target determination operation is not completed in the bond fluctuation period in which the balance of the trade receivables selected as the sale target can fluctuate.
The “credit fluctuation period” here means a period in which the balance of receivables is unlikely to fluctuate. The bond fluctuation period is set, for example, from 10 days after the fund transfer date of one month to 10 days before the fund transfer date of the next month.
In addition, "controlling the target determination operation so that it does not complete during the bond fluctuation period" can be realized as follows. For example, the display processing unit 44 can control so that the target determination operation cannot be performed or the target determination operation is not accepted during the bond fluctuation period. Further, the display processing unit 44 can also control so that the sale target is not set to the fixed state by displaying an error when the target determination operation is detected within the bond fluctuation period.
By doing so, it is possible to reduce the collection of the target trade receivables between the determination of the target for sale and the implementation of the receivable factoring, and as a result, the amount of funds expected by the selling company and the actual amount. It is possible to reduce problems in debt factoring, such as a discrepancy with the amount funded in Japan.

[Output processing to the purchasing company terminal 7]
The display processing unit 44 performs the following display processing in order to support the purchasing company to carry out the receivable factoring (purchase).
The display processing unit 44 displays a list of trade receivable information including ranks for each trade receivable, which targets the trade receivables of the sales company selected as the sales target by operating the sales company terminal 9 as described above. Is output to the purchasing company terminal 7 in a state in which the sales receivable to be purchased can be selected by the user operation.
Here, "in a state where the sales receivables to be purchased can be selected by the user operation" means that the sales receivables not to be purchased can be selected by the user operation as shown in the screen example of FIG. 7 described later. Also includes.

FIG. 7 is a diagram showing an example of a purchase receivable determination screen.
The screen exemplified in FIG. 7 includes a matter display D21, a selection status display D22, a list display D23, and a function key display (D24, D25, D26, and D27 are activated), and the purchasing company terminal 7 It is displayed by selecting the target factoring matter by the operation of.
The matter ID and the matter name of the selected factoring matter are displayed on the matter display D21. Information on these factoring cases can be obtained from the factoring information table described above.

The list display D23 is a specific example of a list display of the sales receivable information including the rank for each sales receivable, which is output to the purchasing company terminal 7. As described above, only the receivable information of the trade receivables selected for sale is displayed on the list display D23. When the above-mentioned target determination operation is supported, the receivable information of the trade receivable selected when the target determination operation is detected can be referred to by referring to the receivable information table to be sold shown in FIG. Can be obtained. Even when the target determination operation is not supported, it is possible to acquire the receivable information of the sales receivable to be displayed on the list display D23 based on the selection state held when the list display D23 is displayed.

The display processing unit 44 specifies the receivable information of the trade receivables associated with the sales company ID of the target receivable company from the receivable information table of the receivable information DB 32, and uses the specified receivable information to list. The display data of the display D23 can be generated. Therefore, each item of the receivable information of each trade receivable displayed on the list display D23 corresponds to each item of the receivable information table. In the list display D23, the item in the third column from the left shows the bond rank.

The leftmost column "selection" in the list display D23 can be checked or unchecked by the user operation of the purchasing company terminal 7. Therefore, the user of the purchasing company terminal 7 operates the input device of the purchasing company terminal 7 to remove the check in this item "selection", thereby excluding the trade receivables selected for sale from the purchase target. be able to.

In this way, the list display of the receivable information of the trade receivables selected as the target for sale by the selling company is output to the purchasing company terminal 7 based on the receivable information updated as needed according to the collection status, and the purchasing company In this list display, it is possible to exclude trade receivables that cannot be purchased while checking the receivable information such as the receivable rank for each trade receivable. This makes it possible to facilitate the work of the purchasing company in performing the bond factoring.

The selection status display D22 shows the selection status of the sales receivables to be purchased, and displays the total amount information of the selected sales receivables. The "prepayment price" in the selection status display D22 indicates the prepayment price when the selected trade receivable is purchased, and the "(transfer fee)" indicates the transfer fee in the prepayment price, and "(initial transfer)". "Price)" indicates the price obtained by subtracting the transfer fee from the prepaid price (the amount to be funded when the receivable factoring is executed), and "deferred payment price" indicates the price to be paid later. This information is determined by the actual annual purchase rate and the prepaid rate in the factoring information table described above.
Other information displayed on the selection status display D22, that is, "number of receivables", "balance of receivables", "number of unpaid cases", "unpaid amount", "principal balance", "principal balance""(Unpaidamount)","Commissionbalance", and "(Unpaid amount)" under "Commission balance" are the same as each item in the selection status display D12 shown in FIG.

It is preferable that the display of the selection status of the purchase target is updated every time the selection status of the purchase target in the list display D23 changes. That is, the display processing unit 44 outputs the total amount information display of the sales receivables selected as the purchase target in the list display together with the list display of the sales receivable information including the rank for each sales receivable to the purchasing company terminal 7. It is preferable to update the total amount information display at any time according to the change in the selection status of the purchase target in the list display.
In this way, the purchasing company (user of the purchasing company terminal 7) can determine the sales receivable to be purchased while checking the total amount information display. However, the content of the total amount information display updated according to the change in the selection status is not limited to the example shown in FIG. 7, and may include other information, or some information shown in FIG. May be excluded.

Further, the display processing unit 44 selects the sales receivables having a rank that does not match the factoring conditions (for example, the selected receivable rank) included in the factoring information in the list display D23 output to the purchasing company terminal 7 as the purchase target. It is preferable to control the list display D23 so that the list display D23 is not displayed.
By doing so, it is possible to prevent sales receivables with ranks that do not meet the determined factoring conditions from being determined as purchase targets, and thus it is possible to reduce the complexity of the work related to receivable factoring. can.

The specific control content to "not be selected" here is not limited. For example, the display processing unit 44 automatically displays the trade receivables that are selected for sale when the list display D23 is displayed, as long as the trade receivables have a rank that does not meet the factoring conditions. It may be in a non-selected state. Further, in the line of trade receivables to be excluded from purchase in the list display D23, the item "selection" may be controlled so as not to be checked by the user operation, or the F10 key (display D26) described later may be used. If a trade receivable that should be excluded from the purchase is selected at the time of operation, an error may be displayed and control may be performed so that the screen does not change.

In the function key display, the function key displays D24, D25, D26 and D27 are activated. When the F5 key (display D24) is operated, a display showing the payment history of each trade receivable is output, and when the F8 key (display D25) is operated, a display showing the collection schedule (collection plan) of each trade receivable is displayed. Is output. These displays can be generated by using information stored in the debt collection management table (not shown) of the debt information DB 32. When the F12 key (display D27) is operated, the screen transitions to the screen displayed before the screen of FIG.
When the F10 key (display D26) is operated, a confirmation screen for determining the sales receivable selected at the time of the operation as the purchase target is displayed.

FIG. 8 is a diagram showing an example of a purchase claim determination confirmation screen.
The screens exemplified in FIG. 8 are a sales company display D31, a matter display D32, a purchase date display D33, a transfer date display D34, a graph format display D35, and a function key display (displays D36 and D37 are activated). Includes.
On the selling company display D31, the selling company ID and the company name of the target selling company are displayed. The bond information server 10 holds information associated with the selling company ID and the company name, and the display processing unit 44 can output the selling company display D31 by acquiring the information.
The matter display D32 displays the matter ID and the matter name of the factoring matter to be purchased. Information on these factoring cases can be obtained from the factoring information table described above.
The purchase date display D33 displays the date on which the bond factoring (purchase) is executed.
The transfer date is displayed on the transfer date display D34. Each date displayed on the purchase date display D33 and the transfer date display D34 may be a manually input date, or is a date predicted and automatically set from the date when the F8 key (display D36) is operated. You may.

The graph format display D35 shows the total amount information of the trade receivables selected as the purchase target in a graph format showing the breakdown of the amount items by the division of the display area. In the example of FIG. 8, "credit balance", "commission balance", "principal balance", "contract fee", "purchase target amount", "prepayment price", "postpayment price", "transfer fee", " The breakdown of the 10 amount items of "initial transfer price" and "reserved transfer price" is represented by the division of 10 display areas.

The display area of "Receivables Balance" corresponds to the total receivables balance and is the basic part of the receivable factoring, so it is arranged on the leftmost side and is shown by the longest area in the vertical direction. Further, in the display area of the "balance of receivables", the number of selected trade receivables (10 cases) and the amount (4,416,600 yen) are displayed.
The display area of "principal balance" corresponds to the total principal balance, and the amount of the total principal balance is displayed in the display area.
The display area of "commission balance" corresponds to the total commission balance, and the amount of the total commission balance is displayed in the display area.
The "principal balance" and "commission balance" display areas are arranged one above the other on the right side of the "credit balance" display area. With such an arrangement of the display area, the breakdown is shown that the total principal balance is the principal portion of the total receivables balance and the total fee balance is the fee portion of the total receivables balance.

The display area of "Purchase target amount" is shown as an area having the same length in the vertical direction as the area to the right of the display area of "Principal balance" in order to correspond to the total principal balance to be purchased. Has been done. In addition, the amount of the total principal balance is displayed in the display area of the "purchase target amount".
Since the display area of "contract fee" corresponds to the total fee balance acquired by the purchasing company as a fee for receivable factoring, it has the same length in the vertical direction as the area to the right of the display area of "commission balance". Shown as an area. In addition, the amount of the total fee balance is displayed in the display area of the "contract fee".
As a result, the breakdown is shown that the total principal balance becomes the purchase target amount and the fee balance becomes the contract fee.

The prepaid portion and the postpaid portion in the purchase target amount (total principal balance) are determined by the prepaid rate of the target factoring project stored in the factoring information table described above. Furthermore, the transfer fee to be acquired by the purchasing company as a fee for receivable factoring is determined based on the actual annual purchase rate of the target factoring project stored in the factoring information table and the contract fee, and the amount obtained by subtracting the transfer fee from the prepaid price is calculated. Initially, it is paid from the purchasing company to the selling company as the transfer price. In addition, the deferred payment is paid from the purchasing company to the selling company as the reserved transfer price.
The breakdown of such amount items is also shown by the division of the display area in the graph format display D35.
The "prepaid price" and "postpaid price" display areas are arranged one above the other on the right side of the "purchase target amount" display area. As a result, the breakdown is shown that the prepaid price is the part of the purchase target amount determined by the prepaid rate, and the postpaid price is the remaining part of the purchase target amount after deducting the prepaid price. .. In the display area of "prepayment price", the prepayment rate is displayed together with the amount of the prepayment price.
The "transfer fee" and "initial transfer price" display areas are arranged one above the other on the right side of the "prepaid price" display area. This shows that the transfer fee is deducted from the prepaid price, and the breakdown is that the initial transfer price is the rest of the prepaid price after deducting the transfer fee.
The "reserved transfer price" is shown as an area having the same length in the vertical direction as the area to the right of the display area of the "deferred payment" in order to correspond to the deferred payment.

In the graph format display D35 illustrated in FIG. 8, the breakdown of the 10 amount items is represented by the division of the 10 display areas, but the present invention is not limited to this example.
For example, the display processing unit 44 is selected as a purchase target by a graph format showing the breakdown of a plurality of amount items including at least the total receivable balance, the total fee balance, the total principal balance, and the purchase target amount by dividing the display area. The total amount information display of the trade receivables may be output.
As a result, the purchasing company can easily grasp the breakdown of the amount item in the execution of the receivable factoring for the selected trade receivables, so that it can effectively support the decision making related to the receivable factoring. Can be done.

In the example of FIG. 8, although the breakdown of the plurality of monetary items is shown, the size of the monetary amount in each item is not shown. Therefore, the display processing unit 44 may determine the size of the display area of a plurality of monetary items according to the size of the monetary amount of each monetary item. This makes it possible to easily grasp the size of the amount of each amount item in addition to the breakdown of the plurality of amount items.

In the function key display, the function key displays D36 and D37 are activated.
When the F8 key (display D36) is operated, the selected trade receivable is confirmed as the purchase target. Therefore, it can be said that the operation of the F8 key on the purchase receivable determination confirmation screen shown in FIG. 8 is a user operation for determining the selected sales receivable as the purchase target.
That is, it can be said that the display processing unit 44 can detect the purchase confirmation operation, which is a user operation for confirming the sales receivables selected in the list display D23 output to the purchase company terminal 7 as the purchase target. When the F12 key (display D37) is operated, the confirmation screen shown in FIG. 8 ends.

The notification unit 45 notifies the selling company terminal 9 that factoring will be performed when the above-mentioned purchase confirmation operation is detected by the display processing unit 44. For example, the bond information server 10 holds a selling company ID, a company name, and a notification destination address for each selling company, and the notification unit 45 uses the held notification destination address to sell as a notification destination. The transfer company terminal 9 may be specified.
In this way, it is possible to know that the selling company will be funded by factoring the trade receivables selected for sale without the purchasing company contacting the selling company by telephone or the like. ..
This notification may include information on the total amount of trade receivables selected when the purchase confirmation operation was detected. As a result, the selling company can know in advance the amount to be monetized, but the notification method by the notification unit 45 is not limited. For example, the notification unit 45 may notify by e-mail, may notify by the information in the screen displayed on the selling company terminal 9, or may use the existing push technology to notify the selling company terminal 9. You may notify the application running above.

[Second Embodiment]
Next, the support system 1 according to the second embodiment will be described. In the following, the contents different from the above-mentioned first embodiment will be mainly described, and the same contents will be omitted as appropriate.

[Processing configuration]
FIG. 9 is a diagram conceptually showing the processing configurations of the credit information server 10 and the factoring server 20 in the second embodiment, respectively.
The factoring server 20 further includes a sales selection unit 46 and an estimation unit 47 in addition to the configuration of the first embodiment.
Each of these processing modules illustrated in FIG. 9 is, for example, a software element realized by loading and executing a program stored in the memory 14 or 24 in the CPU 12 or 22. Further, the program is installed from a portable recording medium such as a CD (Compact Disc), a memory card, or another computer on the network via the communication unit 18 or 28, and is stored in the memory 14 or 24. You may.

The estimation unit 47 targets a part or all of the sales receivable group of the target company for provisional sale based on the receivable information stored in the receivable information DB 32, and the factoring of the sales receivables to be provisionally sold is one of the future. Estimate the monetization information when it is implemented at the above time.
For example, the estimation unit 47 uses the receivable information and the collection plan information of the receivables associated with the sales company ID of the target receivable company stored in the receivable information DB 32, and the collection of each receivable is as planned. It is possible to estimate the monetization information when the factoring of each trade receivable is carried out at one or more times in the future, assuming that it was carried out in.
The "one or more time in the future" here is preferably a future (previous) time to the extent that the bond information (for example, the balance of the bond) can change from the current one depending on the collection status, for example, January. That's the time ahead. The "one or more times in the future" may be one date or a plurality of dates. The plurality of predetermined times may be, for example, a predetermined day of the month in which the estimation process is executed, a predetermined day of the next month, a predetermined day of the month after the next, and the like. Therefore, the estimation unit 47 can estimate the receivable balance of each trade receivable on the predetermined day of each month on the assumption that the collection is performed according to the collection plan, and by using this estimated receivable balance. It is possible to estimate monetization information. However, the plurality of predetermined times may not be monthly but may be every two months or a time specified by the user as long as it is a future time.
In addition, the estimated monetization information may be any information including the amount expected to be paid from the purchasing company to the selling company, and may be only the initial transfer price described above, or the initial transfer price and reservation. It may be the transfer price, or may include the fee amount of the purchasing company such as the transfer fee.

Based on the monetization information estimated for one or more periods in the future, the estimation unit 47 causes the determination unit 43 to estimate the receivable rank of each trade receivable in each of the one or more periods in the future, and estimates the receivables. The credit ranks given may be used to determine the trade receivables to be provisionally sold at each of the future one or more periods. At this time, the estimation unit 47 ranks the sales receivables of the selling company from among the sales receivables of the selling company in accordance with the factoring conditions of the factoring project of the selling company at each of the future one or more periods. It is possible to specify the receivable information of the above and determine the specified sales receivable as a provisional sale target. Factoring conditions can be obtained from the factoring information table.
However, the method for determining the trade receivables to be provisionally sold is not limited to determining the trade receivables that satisfy the claim rank included in the factoring conditions. For example, the user of the sales company terminal 9 may be made to input an amount (desired amount) desired to be funded by credit factoring, and the amount closest to this desired amount may be funded in addition to or in place of the factoring condition. On the condition that the trade receivables to be provisionally sold may be determined.

The display processing unit 44 outputs the monetization estimation display indicating the monetization information estimated by the estimation unit 47 for each of the one or more periods in the future to the selling company terminal 9 as described above.
According to this monetization estimation display, the selling company (user of the selling company terminal 9) can grasp the amount of money to be monetized in each of the one or more periods in the future, and therefore needs funds. Depending on the time and amount of money, it is possible to decide when to select the trade receivables to be sold or when to determine the sales target. As a result, it becomes easier for the selling company to utilize the credit factoring, and the utilization of the credit factoring can be promoted.

FIG. 10 is a diagram showing an example of a factoring implementation estimation screen.
The screen exemplified in FIG. 10 includes a matter display D41, an estimated display D42, and a function key display (displays D43 and D44 are activated), and is a factoring target by operating the sales company terminal 9. It is displayed when the matter is selected. This screen may be displayed by operating a specific function key on the sales receivable selection input screen shown in FIG.

The matter ID and the matter name of the selected factoring matter are displayed on the matter display D41. Information on these factoring cases can be obtained from the factoring information table described above.
The estimated display D42 is a specific example of the above-mentioned estimated monetization display. In the example of FIG. 10, three months (three periods) of "this month (June)", "July", and "August" are shown as one or more periods in the future, and each month. The number of trade receivables determined as the target of provisional sale, and the total balance of receivables, total principal balance, total fee balance, and prepaid amount (prepaid amount) estimated for the trade receivables subject to provisional sale. ), The amount of deferred funds (deferred payment), and the transfer fee are shown. However, the capitalization estimation display is not limited to the example of the estimation display D42 exemplified in FIG. 10, and some information shown by the estimation display D42 may be shown, or other information may be added.
In the function key display, the function key displays D43 and D44 are activated. When F9 (display D43) is operated by selecting a certain month, a list display of the receivable information of the trade receivables determined as the provisional sale target of the selected month is output. When the F12 key (display D44) is operated, the screen transitions to the screen displayed before the screen of FIG.

Further, the display processing unit 44 may output to the selling company terminal 9 a selling condition setting display capable of setting a selling condition including at least a desired implementation month and a desired amount. The user of the selling company terminal 9 can set the selling condition including at least the desired month and the desired amount of the bond factoring in the selling condition setting display.
The display processing unit 44 may set the sale condition while looking at the above-mentioned capitalization estimation display (factoring implementation estimation screen exemplified in FIG. 10), so that the sale condition can be set side by side with the capitalization estimation display. The setting display may be output.

The sales selection unit 46 is the sales corresponding to the desired amount from the trade receivables of the target sales company at the predetermined timing of the desired implementation month based on the sales conditions set in the sales condition setting display. Automatically select receivables for sale.
For example, it is assumed that the sales selection unit 46 determines the desired factoring date based on the desired implementation month, and the collection is performed according to the collection plan using the collection plan information of each trade receivable stored in the receivable information DB 32. Then, the receivable information of each trade receivable such as the receivable balance on the desired factoring date is estimated. The sales selection unit 46 causes the determination unit 43 to estimate the receivable rank based on the estimated receivable information of each trade receivable, and provisionally sells the product based on the receivable information including the rank of each trade receivable on the desired factoring date. Identify the target trade receivable. The sales selection unit 46 estimates the amount to be funded (initial transfer price, etc.) based on the specified trade receivables to be provisionally sold, and provisionally sells the estimated amount so as to satisfy the desired amount. Automatically select the target for sale based on the target.

However, it is not always necessary to select the trade receivables to be sold so as to satisfy the desired amount, and the sales target estimated to be the most approximate amount may be selected even if the desired amount is not enough.
In this way, the selling company can realize the desired monetization by credit factoring by specifying at least the desired month and the desired amount without the work of selecting the trade receivables to be sold. Can be done.

[Modification example]
Each of the above embodiments is an example of the support system 1. The support system 1 is not limited to the above-mentioned configuration, and may be partially appropriately modified as long as it has at least a part of the above-mentioned configuration.
For example, the support system 1 may have at least an update unit 34, a determination unit 43, and a display processing unit 44. The support system 1 may be realized by one computer or may be realized by a plurality of computers.
Further, the credit information DB 32 may be realized on the computer forming the support system 1 (the credit information server 10 in the above-described embodiment), or may be realized on a computer outside the support system 1.

Even with such a configuration, a list display of trade receivable information is output to the selling company terminal 9 based on the bond information that is updated as needed according to the collection status, and the selling company sells on this list display. You can select the trade receivables you want to sell while checking the receivable information such as the receivable rank for each receivable. This makes it possible to facilitate the work of performing bond factoring and promote the utilization of bond factoring. That is, according to the present embodiment, it is possible to appropriately support the receivable factoring including the sales receivables paid in installments.

Further, in the example of the receivable information table shown in FIG. 3, the remaining number of times, the debt balance, the principal balance, and the commission balance are stored as the collection information of the trade receivables, but the collection information is a part of them. It may be present or may contain other information.
Further, in the above-described embodiment, the target confirmation operation (in the above example, the operation of the F10 key and the confirmation operation on the confirmation screen), which is a user operation for confirming the trade receivable selected by the user operation as the sales target. Although an example of detecting is shown, such a targeting operation may not be supported. In this case, there is no undetermined state of the sale target, and for example, the selected state in the list display D13 may be set as the confirmed state of the sale target as it is.

In addition, the automatic selection by the sale selection unit 46 in the second embodiment described above may not be able to fund the desired amount. Therefore, the factoring server 20 in the second embodiment may further have a loan processing unit (not shown).
In this case, the credit information server 10 or the factoring server 20 further has a loan information database (DB) (not shown) including loan amount information to the selling company, and the loan processing unit in this loan information DB. Update loan amount information.
Further, the loan processing unit adds the shortage amount to the loan amount information when the amount to be funded by the factoring of the trade receivable selected by the sales selection unit 46 does not satisfy the desired amount. To do. That is, if the amount funded in the receivable factoring based on the trade receivables to be sold automatically selected by the sales selection unit 46 does not meet the desired amount of the selling company, the shortfall is purchased to the selling company. The company may make a loan, and the loan processing department may manage the loan information.
In this way, the selling company can obtain the desired amount with bond factoring at the desired timing, and the purchasing company can increase the loan, thus supporting transactions that are beneficial to both parties. can do.

Further, in the second embodiment described above, the display processing unit 44 sells the monetization estimation display (see FIG. 10) indicating the monetization information estimated by the estimation unit 47 for each of the one or more periods in the future. Although it is output to the corporate terminal 9, it may be output to the purchasing company terminal 7. According to this, the purchasing company can make a proposal for receivable factoring to the selling company by referring to the estimated monetization display.
Furthermore, the estimation unit 47 holds a plurality of types of factoring condition patterns, determines trade receivables that meet the conditions for each factoring condition pattern as provisional sales targets, and provides monetization information for each factoring condition pattern. May be estimated. In this case, the display processing unit 44 can indicate the estimated monetization information in each of the one or more periods in the future for each factoring condition pattern and output the monetization estimation display to the purchasing company terminal 7.
In this way, the purchasing company can effectively support the business of credit factoring, such as being able to present a monetization estimate by credit factoring to the selling company that has not yet implemented credit factoring. Can be done.

1 Credit factoring support system (support system), 2 Communication network, 7 Purchasing company terminal, 9 Selling company terminal, 10 Credit information server, 12 CPU, 14 Memory, 16 Input / output interface (I / F), 18 Communication unit, 20 factoring server, 22 CPU, 24 memory, 26 input / output interface (I / F), 28 communication unit, 32 credit information database (DB), 34 update part, 41 data reference part, 42 factoring information database (DB), 43 Judgment unit, 44 display processing unit, 45 notification unit, sales selection unit 46, estimation unit 47

Claims (12)

An update means for updating the receivable information for each sales receivable, including the collection information, stored in the receivable information database at any time according to the collection status of each sales receivable.
A determination means for determining the rank of each trade receivable using the receivable information stored in the receivable information database, and
Sales including the rank for each trade receivable, which covers a part or all of the trade receivable group of the target company based on the claim information stored in the claim information database and the rank determined by the determination means. A display processing means that outputs a list display of bond information to the target company terminal,
Equipped with
The list display is output to the target company terminal in a state in which the trade receivables to be sold can be selected by the user operation.
Bond factoring support system. Data reference means that refers to the factoring information database where factoring information is stored for each company or factoring matter,
Further prepare
The factoring information includes rank determination conditions determined for each company or factoring project.
The determination means determines the rank of each trade receivable of the target company by using the rank determination condition included in the factoring information of the target company stored in the factoring information database.
The credit factoring support system according to claim 1. The factoring information includes factoring conditions that are conditions that can be trade receivables to be sold.
The display processing means controls the list display so that sales receivables with the rank that do not meet the factoring conditions included in the factoring information of the target company are not selected as sales targets.
The credit factoring support system according to claim 2. When the list display is output to the target company terminal, the determination means uses the credit information stored in the credit information database and updated according to the collection status, and each sales of the target company. Judging the rank of each bond,
The credit factoring support system according to any one of claims 1 to 3. The display processing means outputs the total amount information display of the trade receivables selected as the sales target in the list display to the target company terminal together with the list display, and changes the selection status of the sales target in the list display. Accordingly, the total amount information display is updated at any time.
The credit factoring support system according to any one of claims 1 to 4. The display processing means can detect a target determination operation, which is a user operation for determining a trade receivable selected by a user operation in the list display output to the target company terminal as a sales target. Controls the target determination operation so that the balance of trade receivables selected for sale does not complete during the receivable fluctuation period, which can fluctuate.
The credit factoring support system according to any one of claims 1 to 5. Based on the receivable information stored in the receivable information database, a part or all of the receivables group of the target company is subject to provisional sale, and the factoring of the receivables subject to the provisional sale is one or more times in the future. Estimating means for estimating each of the monetization information when implemented in
Further prepare
The display processing means outputs a monetization estimation display indicating the estimated monetization information for each of the one or more times in the future to the target company terminal.
The credit factoring support system according to any one of claims 1 to 6. Sales selection means for selecting sales receivables to be sold from the sales receivables group of the target company,
Further prepare
The display processing means outputs a sales condition setting display capable of setting a sales condition including at least a desired implementation month and a desired amount to the target company terminal.
The sales selection means selects a trade receivable corresponding to the desired amount as a sales target at a predetermined timing of the desired implementation month based on the sales conditions set in the sales condition setting display.
The credit factoring support system according to any one of claims 1 to 7. The display processing means is
The list display of the sales receivable information including the rank for each sales receivable, which targets the sales receivables of the target company selected as the sales target in the list display output to the target company terminal, is the purchase target. Output the trade receivables to the purchasing company terminal in a state where they can be selected by user operation.
The total amount information display of the trade receivables selected as the purchase target in the list display output to the purchasing company terminal is output to the purchasing company terminal.
The total amount information display outputs the breakdown of a plurality of amount items including at least the total receivable balance, the total fee balance, the total principal balance, and the purchase target amount in a graph format representing the division of the display area.
The credit factoring support system according to any one of claims 1 to 8. Data reference means that refers to the factoring information database where factoring information is stored for each company or factoring matter,
Further prepare
The factoring information includes factoring conditions that are conditions that can be trade receivables to be purchased.
The display processing means is such that the sales receivables having the rank that do not meet the factoring conditions included in the factoring information are not selected as the purchase target in the list display output to the purchase company terminal. Control the list display,
The credit factoring support system according to claim 9. Further provided with a notification means for notifying the target company terminal that factoring will be carried out,
The display processing means can detect a purchase confirmation operation, which is a user operation for determining a sales receivable selected in the list display output to the purchase company terminal as a purchase target.
The notification means gives the notification when the purchase confirmation operation is detected.
The credit factoring support system according to claim 9 or 10. A loan renewal means for updating the loan amount information in the loan information database including the loan amount information to the target company.
Further prepare
The loan renewal means adds the shortfall amount to the loan amount information when the amount to be funded by the factoring of the trade receivables selected for sale by the sales selection means does not satisfy the desired amount. do,
The credit factoring support system according to claim 8.

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