JP7064388B2 - Factoring equipment, factoring methods, and factoring programs - Google Patents

Description

The present invention relates to factoring devices, factoring methods, and factoring programs.

Recently, reward factoring for medical treatment, dispensing, long-term care, etc. has become widespread. Compensation factoring is an early fund by factoring companies purchasing medical fees received from hospitals, clinics, dispensing pharmacies, care providers, etc. from the National Health Insurance, National Health Insurance Association, Health Insurance Association, etc. to which patients are enrolled. It is a factoring service that makes a change.

For example, there is Patent Document 1 as a system for performing care fee factoring. In the patent document 1, in paragraphs [0046] to [0049], "FIG. 3 shows the transfer of funds when the factoring system 100 performs the factoring business. The factoring company 10 has a profit account 310 and a profit account 310. It has a settlement account 320. A settlement account 320 and a revenue account 310 are created for each factoring. The advance payment to the registered account 330 of the care provider and the transfer of the balance at the time of due date settlement are settled. It is done by electronic banking from the account 320. In addition, the due date settlement fund is transferred from the National Health Insurance Federation to the settlement account 320. The advance payment to the care service provider 20 is transferred to the profit account 310 and the due date is settled. Fees and the like collected at the time of transfer of the time balance are transferred from the settlement account 320. FIG. 4 shows the functional configuration of the factoring system 100. The factoring system 100 is a registration management means. It has 410 functions, a credit information acquisition means 421, an upper limit setting means 422, a prepayment request receiving means 431, a prepayment executing means 432, and a settlement means 440. The processing performed by the factoring system 100 is performed. , Registration management processing 410, credit acquisition processing 420, prepaid execution processing 430, and settlement means 440. Of these, the registration management processing that functions as the registration management means 410 includes the care service provider 20 and the Kokuhoren 40. Registration and management of basic information related to The prepaid execution process 430 that accepts the prepaid request from the care service provider 20, transfers the prepaid money, issues the acceptance slip and the statement, etc., is the prepaid request receiving means 431 and the prepaid executing means 432. It is a process that fulfills a corresponding function. The claim date settlement process 440, which performs settlement processing for prepayment and issuance of a notice when the due date of a claim arrives, is a process equivalent to the function as a settlement means 440. " It is described as.

Japanese Unexamined Patent Publication No. 2002-56199

However, in the past, regarding the remuneration factoring business, it was difficult to systematize it because the national insurance association and the company insurance fund to which the customer belongs differed, and the requirements and needs of the settlement destination differed depending on the customer size. In addition, in the compensation factoring business, from the viewpoint of service differentiation from other companies, we adopt payment methods that meet customer needs in terms of sales measures, and it is difficult to manage various payment methods with the system, so manual payment is made. I was operating the process.

The present invention has been made in view of the above, and in various reward factoring businesses, various payment patterns and payment destination groups can be set as masters for each customer and each contract to provide various payment methods. It is an object of the present invention to provide a factoring device, a factoring method, and a factoring program that can be realized.

In order to solve the above-mentioned problems and achieve the object, the present invention is a factoring device including a control unit and a storage unit for performing a reward factoring business, and the storage unit includes a customer key and the customer. The customer master registered by associating the data of the representative office key and the settlement group to which the company belongs, the contract master registered by associating the customer key, the purchase rate of the receivables, the fee rate, and the data of the obligor, and the representative business operator. A payment pattern master registered by associating data of a key, a settlement group, a destination bank classification, and a destination bank classification is stored, and the control unit stores a customer key, a claim type indicating the type of compensation claim, and a claim. Based on the compensation receivable data including the amount and the receivable date, the purchase amount and the fee are calculated with reference to the contract master, and the customer key, the receivable type, the invoice amount, the purchase amount, the fee, and the receivable date are included. Based on the purchase receivable data creation means for creating the purchase receivable data and the purchase receivable data, the total billing amount and the payment amount are calculated for each settlement group of the representative office key set in the customer master, and the settlement is performed. Refer to the pattern master to create payment schedule data including representative business key, settlement group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, total billed amount and payment amount. It is characterized by including a creating means and a payment processing means for performing payment processing based on the payment schedule data.

Further, according to a preferred embodiment of the present invention, it is desirable that the claim type is a medical fee receivable, a nursing fee receivable, or a dispensing fee receivable.

Further, according to a preferred embodiment of the present invention, it is desirable that the settlement group is composed of prefectures.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a factoring method in a reward factoring business for causing an information processing apparatus provided with a control unit and a storage unit to execute the method. Registered the customer master, which was registered by associating the data of the customer key, the representative office key to which the customer belongs, and the payment group, with the customer key, the purchase rate of the compensation receivable, the fee rate, and the data of the obligor. A contract master and a payment pattern master registered by associating data of a representative business key, a payment group, a destination bank classification, and a destination bank classification are stored, and a customer key and a reward to be executed by the control unit. Based on the receivable type, billing amount, and compensation receivable data including the receivable date, the purchase amount and fee are calculated with reference to the contract master, and the customer key, receivable type, billing amount, and purchase The total billing amount for each settlement group of the representative office key set in the customer master based on the purchase receivable data creation step that creates the purchase receivable data including the amount, fee, and the receivable date, and the purchase receivable data. And the payment amount is calculated, and with reference to the payment pattern master, the representative business key, the payment group, the settlement category indicating prepayment or deferred payment, the destination bank category, the destination bank category, the total billing amount and the payment amount are included. It is characterized by including a payment schedule data creation step for creating payment schedule data and a payment processing step for performing payment processing based on the payment schedule data.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a factoring program in a reward factoring business for causing an information processing apparatus provided with a control unit and a storage unit to execute, and the storage unit is used. Registered the customer master, which was registered by associating the data of the customer key, the representative office key to which the customer belongs, and the payment group, with the customer key, the purchase rate of the compensation receivable, the fee rate, and the data of the obligor. The contract master and the payment pattern master registered by associating the data of the representative business key, the payment group, the destination bank classification, and the destination bank classification are stored. Based on the compensation claim data including the claim type indicating the type, the claim amount, and the claim date, the purchase amount and the fee are calculated with reference to the contract master, and the customer key, the claim type, the claim amount, the purchase amount, Total billing amount and payment for each settlement group of the representative office key set in the customer master based on the purchase receivable data creation step to create the purchase receivable data including the fee and the receivable date, and the purchase receivable data. Calculate the amount and refer to the payment pattern master to pay the representative business key, payment group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, total billing amount and payment amount. It is a factoring program for executing a payment schedule data creation step for creating data and a payment processing step for performing payment processing based on the payment schedule data.

According to the present invention, in various reward factoring businesses, it is possible to realize various payment methods by setting various payment patterns and payment destination groups as masters for each customer and each contract. Play.

FIG. 1 is a diagram for explaining an outline of a service scheme for reward factoring. FIG. 2 is a block diagram showing an example of the configuration of the factoring device according to the present embodiment. FIG. 3 is a diagram showing a data flow for explaining an outline of the entire processing of the factoring apparatus according to the present embodiment. FIG. 4 is a diagram for explaining a specific example of processing of the factoring device according to the present embodiment (No. 1). FIG. 5 is a diagram for explaining a specific example of the processing of the factoring device according to the present embodiment (No. 2).

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

[1. overview]
In the past, in the finance business, the settlement business was mainly spun off from affiliated companies of major banks to provide services, but in recent years, more and more companies have newly established finance companies in each industry and industry to start as a finance business. ing. In addition, in the finance business, each company is forced to provide flexible payment services to customers and perform complicated payment work in response to the business administration costs due to the differentiation and sophistication and diversification of finance services to customers. ing. Recently, the number of companies in the finance business that are engaged in compensation factoring business is increasing.

In the compensation factoring business, hospitals, clinics, dispensing pharmacies, care providers, etc. can purchase medical fees received from the national health insurance, national health insurance association, health insurance association, etc. that patients are enrolled in, so that the factoring company can purchase them at an early stage. It is a factoring service that monetizes.

In the past, in the remuneration factoring business, it was difficult to systematize because the national insurance association and the company insurance fund to which the customer belongs differed, and the requirements and needs of the settlement destination differed depending on the customer size. For example, in the case of a business contract in which the National Health Insurance and the company insurance span multiple prefectures, if the customer owns a business office in each prefecture and there are multiple settlement (payment) units and patterns for the purchase price, It was difficult to systematize the needs of each payment pattern.

In addition, in the compensation factoring business, from the viewpoint of service differentiation from other companies, it is difficult to manage various payment methods with the system by adopting a payment method that meets the customer's request in terms of sales measures, so it is manual. I was operating payment processing. For example, when it is necessary to make a purchase on a business-by-business basis and divide the payment destination for each prefecture, a payment notice is manually created and the payment price is transferred.

Therefore, in this embodiment, while the finance business is diversifying, we focus on the fact that realizing flexible service provision to customers is a solution for the finance business, and rewards for medical treatment, nursing care, dispensing, etc. In the factoring business, various payment patterns and payment destination groups can be set as masters for each customer and contract to realize various payment patterns.

As a result, in the case of a business contract in which the National Health Insurance Federation or the company insurance spans multiple prefectures, the customer owns a business office according to each prefecture, and there are multiple settlement (payment) units and patterns for the purchase price. In some cases, flexible services can be provided by providing various payment methods to meet the needs of each payment pattern.

FIG. 1 is a diagram for explaining an outline of a service scheme for reward factoring. In FIG. 1, the business operator / business establishment 2 is a hospital, a clinic, a dispensing pharmacy, a corporation or a sole proprietor of a nursing care business. In the case of a corporation, the representative corporation is a business operator, and each sales office / clinic is a business establishment. In the case of a sole proprietor, the representative business establishment is a business operator, and each sales office / clinic is a business establishment.

When the user (end user) 1 uses the business operator / business establishment 2, the self-pay portion of the service provision (for example, medical practice) usage fee (for example, the usage fee is 100,000 yen and the self-pay portion is 10%). In the case of, 100,000 x 10% = 10,000 yen) is paid (S1, S2).

The business operator / business establishment 2 concludes a basic bond sales contract (credit transfer contract) with a finance business company (compensation factoring business company) 4 (S3). The finance business company 4 notifies the National Health Insurance Federation / National Health Insurance Agency Fund 3 of the transfer of claims (S4).

The business operator / business establishment 2 requests a benefit fee (for example, medical treatment fee) from the National Health Insurance Federation / Social Insurance Agency Fund (S5). The finance business company 4 pays a part of the benefit cost in advance (for example, 80 to 90% of the benefit cost) (S6). After the examination (for example, medical receipt examination), the National Health Insurance Federation / Social Insurance Agency Fund 3 pays the benefit expenses to the finance business company 4 (S7). After the benefit cost is fixed, the finance business company 4 pays the balance of the benefit cost to the business operator (S8).

In this embodiment, in the reward factoring business such as medical care, long-term care, and dispensing, various payment patterns and payment destination groups are set as customer masters, payment pattern masters, etc. for each customer / contract (see FIG. 2). By leaving it, we provide various payment methods.

[2. Constitution]
FIG. 2 is a block diagram showing an example of the configuration of the factoring device 100 according to the present embodiment. The factoring device 100 is used by the finance business company (reward factoring business company) 4 of FIG.

In FIG. 2, the factoring device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the factoring device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the factoring device 100 to the network 300 so as to be communicable via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the factoring device 100 to the bank website 201, the terminal device 202 of the business operator / business establishment 2 in FIG. 1 and the like so as to be able to communicate with each other, and for example, the Internet or a LAN (Local). Area Network) and the like.

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

Various databases, tables, files, and the like are stored in the storage unit 106. In the storage unit 106, a computer program for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) / ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used. The storage unit 106 includes a customer master 106a, a contract master 106b, a contract master 106b, a settlement pattern master 106c, a destination bank account master 106d, a destination bank account master 106e, a bank master 106f, and a data file 106g. It is equipped with.

The customer master 106a is a master for setting a customer settlement group for each representative business establishment. The customer master 106a can be composed of a table or the like in which a customer key, a representative office key, a customer name, an address, and payment group data are registered in association with each other (see FIG. 3). The settlement group may be set for each address (prefecture), for example.

The contract master 106b is a master for setting a purchase rate, a factoring fee, a factoring method, and the like for each customer. The contract master 106b is registered by associating data of customer key, purchase rate, factoring fee rate, factoring method (compensation receivable, standard amount base), debtor (Kokuhoren / company insurance fund information), standard amount, and purchase months. It can be composed of a table or the like (see FIG. 3).

The settlement pattern master 106c is a master for setting transfer fees, destination / destination banks, transfer date conditions, and the like for each settlement group. The settlement pattern master 106c is a representative office key, a settlement group, a transfer fee burden category, a destination bank category, a destination bank category, prepaid days, deferred payment days, and holiday determination (for example, 1: previous business day, 2). : Next business day, before the end of the month, 9: No judgment, etc.) can be associated and registered in a table (see Fig. 3).

The destination bank account master 106d can be composed of a table registered by associating the representative office key, the destination bank classification, the bank CD, the branch CD, the deposit type, the account number, and the data of the holder's name (the destination bank account master 106d). See Figure 3).

The destination bank account master 106e can be composed of a table or the like in which data of the destination bank classification, bank CD, branch CD, deposit type, account number, and holder name are registered in association with each other (see FIG. 3).

The bank master 106f can be composed of a bank CD, a bank name, a branch CD, a table for registering data of the branch name in association with each other, and the like (see FIG. 3).

The data file 106g is a file for storing compensation claim data, purchase claim data, payment schedule data, comprehensive transfer data, and the like.

The receivables data may include data on customer keys, receivable types (nursing receivables, medical reimbursement receivables, dispensing receivables), billing amount, billing date, and receivable due date (see FIG. 3).

The purchased receivable data may include customer key, receivable type, billing amount, purchase amount, factoring fee, and receivable date data (see FIG. 3).

Scheduled payment data includes representative office key, settlement group, settlement category for specifying prepayment or deferred payment (1: prepayment, 2: deferred payment), scheduled settlement date, destination bank category, destination bank category, settlement group. It may include data on the total amount billed, the payment principal, the transfer fee, the transfer amount, and the principal balance (see FIG. 3).

The control unit 102 is a CPU or the like that collectively controls the factoring device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run. The control unit 102 functionally includes a reward receivable data input unit 102a, a purchase receivable data creation unit 102b, a payment schedule data creation unit 102c, a payment processing unit 102d, and a master maintenance unit 102e. ..

The receivables data input unit 102a is at least a customer key, a receivable type indicating the type of receivables, a claim amount, and a receivable from the terminal device 202 of the business operator / business establishment 2 via the communication interface unit 104 and the network 300. You may acquire and input the compensation claim data including the due date (file linkage). Further, the reward claim data input unit 102a may input reward claim data by an operator's input operation on the input screen (not shown) displayed on the monitor 114. The reward claim data input unit 102a stores the input reward claim data in the data file 106g.

The purchase claim data creation unit 102b calculates the purchase amount and the fee based on the compensation claim data stored in the data file 106g with reference to the contract master 106b, and calculates the customer key, the claim type, the billing amount, and the purchase amount. , Fees, and purchase receivable data including the receivable date are created and stored in the data file 106 g. The type of claim may be a medical fee claim, a nursing fee claim, or a dispensing fee claim.

The payment schedule data creation unit 102c calculates the total billing amount and the payment amount for each settlement group of the representative office key set in the customer master 106a based on the purchase receivable data stored in the data file 106g. With reference to the settlement pattern master 106c, create payment schedule data including the representative business key, settlement group, settlement category with prepayment or deferred payment specified, destination bank category, destination bank category, total billing amount and payment amount. And may be stored in the data file 106g. The settlement group may be composed of, for example, an address unit (for example, a prefecture unit).

The payment processing unit 102d creates comprehensive transfer data (for example, FB transfer data) based on the payment schedule data, and performs payment processing to transfer the money to the holder's account via the bank website 201. When the FB is used, the transfer content is notified from the FB to the terminal device 202 of the holder after the remittance. Further, the payment processing unit 102d may create a payment notice based on the comprehensive transfer data. The finance business operator 2 may collect the payment notice at the representative business office and send it by e-mail, fax, mail, or the like.

The master maintenance unit 102e responds to an operation of an operator on a master maintenance screen (not shown), such as a customer master 106a, a contract master 106b, a contract master 106b, a settlement pattern master 106c, a destination bank account master 106d, and a destination bank account master. Data is input, added, changed, updated, etc. to the 106e and the bank master 106f.

[3. Overall processing]
The outline of the whole processing of the factoring apparatus 100 in this embodiment will be described with reference to FIGS. 2 and 3. FIG. 3 is a diagram showing a data flow for explaining an outline of the entire processing of the factoring device 100 in the present embodiment.

In FIG. 3, first, the reward claim data input unit 102a inputs the reward claim data and stores it in the data file 106 g (step S11).

The purchase receivable data creation unit 102b creates the purchase receivable data with reference to the contract master 106b based on the compensation receivable data, and stores it in the data file 106g (step S12).

The payment schedule data creation unit 102c aggregates and divides the purchase receivable data stored in the data file 106g based on the settlement pattern master 106c and the like (step S13). For example, as for the aggregation / division of business partners, 1. 2. Divide the payment into two offices with different bases. 2. Consolidate payments from multiple offices into representative offices. Settlements can be aggregated for each prepayment date and deferred payment date.

The payment schedule data creation unit 102c calculates the total billing amount and the payment amount for each settlement group of the representative office key set in the customer master 106a based on the purchase receivable data, and refers to the settlement pattern master 106c. , Payment schedule data is created and stored in the data file 106g (step S14). Here, as the payment schedule data, first, the payment schedule data for the prepaid amount is created.

The payment processing unit 102d creates comprehensive transfer data (for example, FB transfer data) for the prepaid amount with reference to the destination bank account master 106d, the destination bank account master 106e, and the bank master 106f based on the payment schedule data. Then, the payment process for transferring money to the account of the holder via the bank website 201 is performed (step S15: corresponding to S6 in FIG. 1). When the FB is used, the transfer is notified from the FB to the terminal device 202 of the holder after the remittance.

The payment processing unit 102d pays the remaining amount after the benefit cost is fixed (step S16: corresponding to S8 in FIG. 1). Specifically, the payment schedule data creation unit 102c creates payment schedule data for the balance (deferred payment), and then the payment processing unit 102d creates total transfer data for the balance, and the bank website. Perform payment processing to transfer money to the holder's account via 201.

[4. Concrete example]
A specific example of the processing of the factoring device 100 in the present embodiment will be described with reference to FIGS. 2, 4 and 5. 4 and 5 are diagrams for explaining a specific example of the processing of the factoring device 100 in the present embodiment. In FIGS. 4 and 5, a case where there are a plurality of (6 business establishments) for the representative corporation A, the prepayment for the current month exists for the long-term care and medical fee receivables, and a partial prepayment for the benefit expenses is performed will be described.

FIG. 4A shows an example of the customer master 106a. Representative corporation A (representative business establishment key "1") owns 6 business establishments (nursing care business establishments a, b, c and clinics a, b, c), and the settlement group is set by prefecture (G1: Tokyo, G2: Chiba prefecture, G3: Osaka prefecture) is shown.

In the example of the customer master 106a shown in FIG. 4 (A), the customer key "1", the representative office key "1", the customer name "representative corporation A", the address "Tokyo", the customer key "101", and the representative. Business office key "1", customer name "nursing business office a", address "Tokyo", settlement group "G1", customer key "102", representative business office key "1", customer name "nursing business office b" , Address "Chiba Prefecture", settlement group "G2", customer key "103", "1", customer name "nursing care establishment c", address "Osaka", settlement group "G3", customer key " 201 ”, representative office key“ 1 ”, customer name“ clinic a ”, address“ Tokyo ”, settlement group“ G1 ”, customer key“ 202 ”, representative office key“ 1 ”, customer name“ medical treatment ” Place b ”, address“ Chiba Prefecture ”, settlement group“ G2 ”, customer key“ 203 ”, representative office key“ 1 ”, customer name“ clinic c ”, address“ Osaka ”, settlement group“ G3 ” And are registered.

FIG. 4B is a diagram showing an example of the contract master 106b. In the example of the contract master 106b shown in FIG. 4 (B), the customer key "101", the purchase rate "90%", the factoring fee rate "3%", the factoring method "compensation claim", the debtor "A Kokuhoren", Number of months of purchase "1", customer key "102", purchase rate "90%", factoring fee rate "3%", factoring method "compensation claim", debtor "B Kokuhoren", number of months of purchase "1" And customer key "103", purchase rate "90%", factoring fee rate "3%", factoring method "compensation receivable", debtor "C Kokuhoren", purchase months "1", and customer key "201" , Purchase rate "80%", factoring fee rate "3%", factoring method "compensation claim", debtor "A company insurance fund", purchase months "1", customer key "202", purchase rate "80" % ”, Factoring fee rate“ 3% ”, Factoring method“ Compensation claim ”, Debtor“ Company B insurance fund ”, Purchase months“ 1 ”, Customer key“ 203 ”, Purchase rate“ 80% ”, Factoring fee rate "3%", factoring method "compensation claim", debtor "C company insurance fund", and number of months of purchase "1" are registered.

FIG. 5F is a diagram showing an example of the settlement pattern master 106c. In the settlement pattern master 106c shown in FIG. 5 (F), for the representative establishment key "1", the settlement group "G1", the transfer fee burden category "in-house burden", the destination bank category "1: X bank a branch", and the recipient. Destination bank classification "1: X bank a branch", prepayment days "5", deferred payment days "3", holiday judgment "1: previous business days", settlement group "G2", transfer fee burden classification "receipt" "Personal burden", destination bank category "1: X bank b branch", destination bank category "2: X bank c branch", prepaid days "5", deferred payment days "3", holiday judgment "1: before" "Business days", settlement group "G3", transfer fee burden category "recipient burden", destination bank category "2: Y bank a branch", destination bank category "3: Z bank a branch", prepaid days "5" , "3" for deferred payment days, and "1: previous business day" for determining the date and time of holidays.

FIG. 5 (G) is a diagram showing an example of the destination bank account master 106d. In the destination bank account master 106d shown in FIG. 5 (G), for the representative office key “1”, the destination bank category “1: X bank a branch”, bank CD “xxxxx”, branch CD “aaa”, deposit. Item "1: Ordinary", account number "12345667", holder name "Hojin A", destination bank classification "2: X bank c branch", bank CD "xxxxx", branch CD "ccc", deposit item "2" : Current ", account number" 3456789 ", holder name" Hojin A ", destination bank classification" 3: Z bank a branch ", bank CD" zzzzz ", branch CD" aaa ", deposit type" 2: current " , The account number is "456789", and the name of the holder is "Hojin A".

FIG. 5H is a diagram showing an example of the bank master 106f. In the example of the bank master 106f shown in FIG. 5 (H), the bank name “X bank” of the bank CD “xxxxx” includes the branch CD “aaa”, the branch name “a branch”, the branch CD “bbb”, and the branch. The name "b branch", the branch CD "ccc", and the branch name "c branch" are registered. In addition, the branch CD "aaa", the branch name "a branch", the branch CD "bbbb", and the branch name "c branch" are registered in the bank name "Y bank" of the bank CD "yyyy". A branch CD "aaa" and a branch name "a branch" are registered in the bank name "Z bank" of the CD "zzzz".

(1) The reward claim data input unit 102a inputs the reward claim data (step S11 in FIG. 3).

FIG. 4C is a diagram showing an example of compensation claim data. In the example shown in the figure, the customer key is "101", the credit type is "nursing", the billing amount is "¥ 1,000,000", the billing date is "2017/12/10", and the credit date is "2018/1/31". , Customer key "102", Claim type "Nursing care", Billing amount "¥ 2,000,000", Billing date "2017/12/10", Claim date "2018/1/31", Customer key "103" , Claim type "nursing", claim amount "¥ 3,000,000", claim date "2017/12/10", claim date "2018/1/31", customer key "201", claim type "medical treatment" , Billing amount "¥ 1,000,000", Billing date "2017/12/10", Claim date "2018/1/31", Customer key "202", Claim type "Medical treatment", Billing amount "¥ 2" , Million ", billing date" 2017/12/10 ", receivable date" 2018/1/31 ", customer key" 203 ", receivable type" medical treatment ", billing amount" ¥ 3,000,000 ", The billing date is "2017/12/10" and the credit due date is "2018/1/31".

(2) The purchase receivable data creation unit 102b creates the purchase receivable data with reference to the contract master 106b based on the remuneration receivable data (step S12 in FIG. 3). The purchase receivable data is the remuneration receivable data plus the purchase amount and factoring fee.

FIG. 4D is a diagram showing an example of purchased loan data. The purchase amount is calculated by acquiring the purchase rate (%) from the contract master 106b and multiplying the billed amount by the acquired purchase rate (%) using the customer key of the reward receivable data as a key. The factoring fee is calculated by acquiring the factoring fee rate (%) from the contract master 106b using the customer key of the reward receivable data as a key and multiplying the purchase amount by the factoring fee rate (%).

In the example of the purchase receivable data shown in FIG. 4 (D), the purchase amount “¥ 900,000 (= ¥ 1,000,000)” is obtained for the customer key “101” with respect to the remuneration receivable data shown in FIG. 4 (C). × 90%) ”and factoring fee“ ¥ 27,000 (= ¥ 900,000 × 3%) ”, for customer key“ 102 ”, purchase amount“ ¥ 1,800,000 ”and factoring fee“ ¥ 54, 000 "is the purchase price" ¥ 2,700,000 "and factoring fee" ¥ 81,000 "for the customer key" 103 ", and the customer key" 201 "is the purchase price" ¥ 800,000 "and factoring. The fee "¥ 24,000" is the purchase price "¥ 1,600,000" and the factoring fee "¥ 48,000" for the customer key "202", and the purchase price "¥ 48,000" is the customer key "203". "2,400,000" and factoring fee "¥ 72,000" have been added.

(3) The payment schedule data creation unit 102c aggregates and divides the purchase receivable data based on the settlement pattern master 106c and the like (step S13 in FIG. 3).

(4) The payment schedule data creation unit 102c creates payment schedule data based on the purchased receivable data with reference to the customer master 106a and the settlement pattern master 106c (step S14 in FIG. 3). Scheduled payment data is created for the prepayment (partial prepayment of benefit expenses in S6 in FIG. 1) and the balance (the balance payment in S8 in FIG. 1). First, the prepayment amount is created, and after the benefit cost is confirmed, the balance amount is created. At the time of prepayment, the settlement category is "1 (prepayment)", and at the time of balance payment, the settlement category is "2 (deferred payment)".

Specifically, according to the settlement group for each representative business establishment set in the customer master 106a, the payment schedule data is generated from the purchased receivable data with reference to the settlement pattern master 106c. That is, the data is collected for each settlement group of each representative office. The total billing amount is calculated by totaling the billing amounts in the same settlement group. The payment principal is calculated by subtracting the total factoring fee from the total purchase amount of the same settlement group. The transfer amount is calculated by subtracting the transfer fee from the payment principal. The prepayment date (scheduled settlement date) is calculated by adding the corresponding prepayment days of the settlement pattern master 106c to the billing date. The deferred payment date (scheduled settlement date) is calculated by adding the corresponding deferred payment days of the settlement pattern master 106c to the credit due date.

FIG. 5 (I) is a diagram showing an example of prepaid payment schedule data. In the example of the payment schedule data shown in FIG. 5 (I), for the payment group "G1" of the representative office key "1", the payment category "1: prepayment" and the scheduled payment date "2017/12/15 (= 2017)" / 12/10 + 5) ”, destination bank category“ 1: X bank a branch ”, destination bank category“ 1: X bank a branch ”, total billing amount“ ¥ 2,000,000 (= ¥ 1,000,000 + ¥ 1,000,000) ”, payment principal“ ¥ 1,649,000 (= ¥ 900,000 + ¥ 800,000- ¥ 27,000- ¥ 24,000) ”, transfer fee“ 0 ”, transfer amount It becomes "¥ 1,649,000" and the principal balance "¥ 351,000 (= ¥ 2,000,000- ¥ 1,649,000)".

For the settlement group "G2" with the representative office key "1", the settlement category "1: prepayment", the scheduled settlement date "2017/12/15 (= 2017/12/10 + 5)", and the destination bank category "1: X". Bank b branch ”, destination bank category“ 2: X bank c branch ”, total billing amount“ ¥ 4,000,000 (= ¥ 2,000,000 + ¥ 2,000,000) ”, payment principal“ ¥ 2,000,000 ” 3,298,000 (= ¥ 1,800,000 + ¥ 1,600,000- ¥ 54,000- ¥ 48,000), transfer fee "¥ 216", transfer amount "¥ 3,297,894 (= ¥) 3,298,000- ¥ 216) ”and the principal balance“ ¥ 702,000 (= ¥ 40,000,000- ¥ 3,298,000) ”.

For the settlement group "G3" with the representative office key "1", the settlement category "1: prepayment", the scheduled settlement date "2017/12/15 (= 2017/12/10 + 5)", and the destination bank category "2: Y". Bank a branch ”, destination bank classification“ 3: Z bank a branch ”, total billing amount“ ¥ 6,000,000 (= ¥ 3,000,000 + ¥ 3,000,000) ”, payment principal“ ¥ 3,000,000 ” 4,947,000 (= ¥ 2,700,000 + ¥ 2,400,000- ¥ 81,000- ¥ 72,000) ", transfer fee" ¥ 324 ", transfer amount" ¥ 4,946,676 (=) It will be "¥ 4,947,000- ¥ 324)" and "¥ 1,053,324 (= ¥ 60,000,000- ¥ 4,946,676)".

(5) The payment processing unit 102d refers to the destination bank account master 106d, the destination bank account master 106e, and the bank master 106f based on the payment schedule data, and refers to the total transfer data for the prepaid amount (for example, FB transfer data). ) Is created and payment processing is performed to transfer money to the account of the holder name "Hojin A" via the bank website 201 (step S15 in FIG. 3: corresponding to S6 in FIG. 1). In this way, it is possible to make payments collectively to Hojin A. When the FB is used, the transfer is notified from the FB to the terminal device 202 of the holder, Houjin A, after the remittance.

(6) The payment processing unit 102d pays the remaining amount after the benefit cost is fixed (step S16 in FIG. 3: corresponding to S8 in FIG. 1). Specifically, the payment schedule data creation unit 102c creates payment schedule data for the balance (settlement category: 2 (deferred payment)), and then the payment processing unit 102d creates comprehensive transfer data. Payment processing is performed to transfer money to the account of the holder name "Hojin A" via the bank website 201.

As described above, according to the present embodiment, the customer master 106a registered by associating the customer key, the representative office key to which the customer belongs, and the data of the payment group, the customer key, and the purchase rate of the compensation receivable. The contract master 106b registered by associating the fee rate and the obligor's data, the payment pattern master 106c and the customer key registered by associating the data of the representative business key, the settlement group, the destination bank classification, and the destination bank classification. , The purchase amount and the fee are calculated with reference to the contract master 106b based on the payment claim data including the claim type indicating the type of compensation claim, the billing amount, and the claim date, and the customer key, the claim type, and the billing amount. , The purchase receivable data creation unit 102b that creates the purchase receivable data including the purchase amount, the fee, and the receivable date, and the representative office key set in the customer master 106a based on the purchase receivable data. Calculate the total billing amount and payment amount for each settlement group, refer to the settlement pattern master 106c, and refer to the representative business key, settlement group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, Since it is equipped with a payment schedule data creation unit 102c that creates payment schedule data including the total billed amount and payment amount, and a payment processing unit 102d that performs payment processing based on the payment schedule data, medical treatment, nursing care, dispensing, etc. In the compensation factoring business, various payment patterns and payment destination groups can be set as masters for each customer and each contract to realize various payment methods.

Further, according to the present embodiment, since the claim type is a medical treatment fee claim, a nursing fee claim, or a dispensing fee claim, it is possible to settle various compensation claims.

Further, according to the present embodiment, since the settlement group is composed of each prefecture, it is possible to consolidate the settlement groups by prefecture.

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

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

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

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

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

Further, this computer program may be stored in an application program server connected to the factoring device 100 via an arbitrary network, and all or part of the computer program may be downloaded as needed. ..

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

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

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

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

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

100 Factoring device 102 Control unit 102a Compensation claim data input section 102b Purchase claim data creation section 102c Payment schedule data creation section 102d Payment processing section 102e Master maintenance section 104 Communication interface section 106 Storage section 106a Customer master 106b Contract master 106c Payment pattern master 106d Destination Bank Account Master 106e Destination Bank Account Master 106f Bank Master 106g Data File 108 I / O Interface Unit 112 Input Device 114 Output Device 201 Bank Website 202 Terminal Device 300 Network

Claims (5)

It is a factoring device that has a control unit and a storage unit and is used for reward factoring work.
In the storage unit
The customer master registered by associating the customer key, the representative office key to which the customer belongs, and the data of the payment group,
The contract master registered by associating the customer key, the purchase rate of compensation receivables, the commission rate, and the data of the debtor,
With the settlement pattern master registered by associating the data of the representative business key, settlement group, destination bank classification, and destination bank classification,
Is stored,
The control unit
Based on the receivables data including the customer key, the receivable type indicating the type of receivables, the invoice amount, and the receivable date, the purchase amount and the fee are calculated with reference to the contract master, and the customer key, the receivable type, A means for creating purchase receivable data, which creates purchase receivable data including invoice amount, purchase amount, fee, and receivable date.
Based on the purchase receivable data, the total billing amount and payment amount are calculated for each settlement group of the representative business key set in the customer master, and the representative business key and settlement are made with reference to the settlement pattern master. Payment schedule data creation means for creating payment schedule data including group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, total billing amount and payment amount,
A payment processing means that performs payment processing based on the payment schedule data,
A factoring device characterized by being equipped with. The factoring device according to claim 1, wherein the claim type is a medical fee claim, a nursing fee claim, or a dispensing fee claim. The factoring device according to claim 1 or 2, wherein the settlement group is configured in units of prefectures. It is a factoring method in the reward factoring business for causing an information processing device equipped with a control unit and a storage unit to execute.
In the storage unit
The customer master registered by associating the customer key, the representative office key to which the customer belongs, and the data of the payment group,
The contract master registered by associating the customer key, the purchase rate of compensation receivables, the commission rate, and the data of the debtor,
With the settlement pattern master registered by associating the data of the representative business key, settlement group, destination bank classification, and destination bank classification,
Is stored,
It is executed by the control unit.
Based on the receivables data including the customer key, the receivable type indicating the type of receivables, the invoice amount, and the receivable date, the purchase amount and the fee are calculated with reference to the contract master, and the customer key, the receivable type, The purchase receivable data creation step to create the purchase receivable data including the invoice amount, purchase amount, fee, and receivable date, and
Based on the purchase receivable data, the total billing amount and payment amount are calculated for each settlement group of the representative business key set in the customer master, and the representative business key and settlement are made with reference to the settlement pattern master. Payment schedule data creation step to create payment schedule data including group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, total billed amount and payment amount,
A payment processing step that performs payment processing based on the payment schedule data,
A factoring method characterized by including. It is a factoring program in the reward factoring business to be executed by an information processing device equipped with a control unit and a storage unit.
In the storage unit
The customer master registered by associating the customer key, the representative office key to which the customer belongs, and the data of the payment group,
The contract master registered by associating the customer key, the purchase rate of compensation receivables, the commission rate, and the data of the debtor,
With the settlement pattern master registered by associating the data of the representative business key, settlement group, destination bank classification, and destination bank classification,
Is stored,
In the control unit
Based on the receivables data including the customer key, the receivable type indicating the type of receivables, the invoice amount, and the receivable date, the purchase amount and the fee are calculated with reference to the contract master, and the customer key, the receivable type, The purchase receivable data creation step to create the purchase receivable data including the invoice amount, purchase amount, fee, and receivable date, and
Based on the purchase receivable data, the total billing amount and payment amount are calculated for each settlement group of the representative business key set in the customer master, and the representative business key and settlement are made with reference to the settlement pattern master. Payment schedule data creation step to create payment schedule data including group, settlement category indicating prepayment or deferred payment, destination bank category, destination bank category, total billed amount and payment amount,
A payment processing step that performs payment processing based on the payment schedule data,
Factoring program to run.

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