JP7182914B2 - Electronically Recorded Monetary Claims Processing System, Method and Program - Google Patents

Description

The present invention relates to an electronically recorded monetary bond processing system, method and program. More specifically, the present invention relates to an electronically recorded monetary claim processing system, method, and program that enable a creditor to request an accrual record from an electronic monetary claim recording institution through a financial institution.

Conventionally, electronically recorded monetary claims have been widely used as means of settlement. Users of Electronically Recorded Monetary Claims (obligees and obligors) can record electronically recorded Procedures such as assignment and payment can be performed (Patent Document 1).

JP 2011-175571 A

There are two types of procedures for accruing electronically recorded claims: the debtor claim method, in which the debtor requests the electronic claim recording institution to record the accrual through the corresponding financial institution, and There are two billing methods, the person billing method. Conventionally, among the two billing methods, a procedure in which an obligor issues electronically recorded monetary claims by the obligor's billing method has been widely used.

On the other hand, if the obligee wants to generate the electronically recorded monetary claims by the obligee's claim method and start the settlement flow by account transfer, the obligee cannot carry out the procedures for generating the electronically recorded monetary claims on his own. In other words, if the obligor denies the notice of request for record of occurrence, or if the obligor responds to the notice of request for record of occurrence within a predetermined period (for example, within 5 days) (Also referred to as “acceptance or rejection”).), Electronically Recorded Monetary Claims will not be generated. Therefore, there is a problem that the obligee's consent is required each time the obligee requests the recording of the occurrence.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide an electronically recorded monetary claim processing system, method, and program that improve the convenience of generating electronically recorded monetary claims by the obligee's billing method.

In one embodiment of the present invention, a receiving unit for receiving a notice of a claim record request addressed to a debtor from an electronic monetary claim recording institution; and a transmission unit for transmitting an acceptance reply.

The electronically recorded monetary claim processing system according to an embodiment of the present invention may further include an origination record request means for transmitting a request for an origination record of an electronically recorded monetary claim by the obligee's claim method to the electronic monetary claim recording institution. good.

In the electronically recorded claim processing system according to one embodiment of the present invention, the attribute of the claim may be the amount of the claim.

In the electronically recorded bond processing system according to one embodiment of the present invention, the attribute of the bond may be the obligee.

In one embodiment of the present invention, the receiving unit receives a notice of request for record of occurrence addressed to the debtor from the electronic monetary claim recording institution, and the transmitting unit receives the electronic claim recording institution when the attribute of the claim is within a predetermined range. A method for processing electronically recorded monetary claims is provided for sending an acceptance response to the notification to a customer.

In one embodiment of the present invention, a computer comprises: a receiving unit for receiving a notice of request for record of accrual addressed to the debtor from an electronic monetary claim recording institution; A program is provided for operating as an electronically recorded monetary claim processing system having a transmission unit for transmitting an acceptance reply to the notification.

It is possible to provide an electronically recorded monetary bond processing system, method, and program with improved convenience in generating an electronically recorded monetary bond by the creditor billing method.

1 is a configuration diagram showing an electronically recorded monetary bond processing system according to an embodiment of the present invention; FIG. FIG. 3 is a diagram showing client information recorded and managed in a client management database (DB) of the electronically recorded monetary bond processing system according to one embodiment of the present invention; FIG. 4 is a diagram showing service usage information recorded and managed in a client management DB of the electronically recorded monetary bond processing system according to one embodiment of the present invention; FIG. 4 is a diagram showing processing history information recorded and managed in a history management DB of the electronically recorded monetary bond processing system according to one embodiment of the present invention; FIG. 4 is a diagram showing service usage information recorded and managed in a client management DB of the electronically recorded monetary bond processing system according to one embodiment of the present invention; 1 is a flow chart showing an electronically recorded monetary bond processing method according to an embodiment of the present invention;

An information management apparatus, method, and program according to an embodiment of the present invention will be described in detail below with reference to the drawings. The embodiments shown below are examples of embodiments of the present invention, and the present invention is not limited to these embodiments.

FIG. 1 is a configuration diagram showing an electronically recorded monetary bond processing system according to one embodiment of the present invention. FIG. 1 also shows an electronic monetary claim recording institution 120, a creditor terminal 132, and a debtor terminal 134 connected to the electronically recorded monetary claim processing system 100 via a network.

The electronic bond recording institution 120 is, for example, a nationwide electronic bond network (Densai Net) serviced by the Japanese Bankers Association, and has a record ledger DB 122 . The electronically recorded monetary claims processing system 100 is, for example, a system operated by a participating financial institution of Densai Net.

The electronically recorded monetary bond processing system 100 can be, for example, a computer equipped with hardware resources such as a processor, memory, storage device, communication device, and input/output device. The electronically recorded monetary bond processing system 100 includes a communication control unit 102, a matching unit 104, and a data generation unit 108, which are configured by hardware resources and/or programs.

The electronically recorded monetary bond processing system 100 also includes a client management DB 106 that records and manages client information (FIG. 2) and service usage information (FIG. 3) for each client, and a history management DB 110 that records and manages processing history information (FIG. 4). and

The communication control unit 102 transmits and receives data to and from the electronic monetary claim recording institution 120, the obligee's terminal 132, and the obligee's terminal 134 via the network. The communication control unit 102 receives a request for an accrual record request from the obligee terminal 132, transmits a request for an accrual record request by the obligee request method to the electronic claim recording institution 120, and receives a request from the electronic claim recording institution 120 addressed to the obligor. It is possible to receive the notification of the request for record of accrual by the obligee's claim method, and to transmit to the electronic monetary claim recording institution 120 a reply of acceptance of the request for record of accrual by the obligee's claim method addressed to the debtor.

Alternatively, the communication control unit 102 transmits to the debtor terminal 134 the notification of the request for the record of the occurrence by the creditor claim method for the debtor received from the electronic monetary claim recording institution 120, and the A response (acceptance or rejection) to the notification of the recording request can be received and transmitted to the electronic monetary claim recording institution 120 .

The collation unit 104 extracts client (debtor) information from the client management DB 106 and collates the information on service usage in response to receipt of the notification of the request for record of occurrence addressed to the debtor from the electronic monetary claim recording institution 120 . More specifically, the collating unit 104, for example, identifies the user number (user number) and/or the debtor specified as the obligor of the electronically recorded monetary claim in the notification of the claim record received from the electronic monetary claim recording institution 120. Extracts from the client management DB 106 the records related to the client that matches the account number of the financial institution of the user designated as the client.

Next, in the extracted record, the collating unit 104 detects that the client (the user designated as the debtor) notifies the client (the user designated as the debtor) of the request for the recording of the claim by the obligee generation recording method. attribute satisfies a predetermined condition (for example, when the credit is a predetermined amount, when the creditor is a predetermined creditor, etc.), whether or not it is set to automatically transmit a reply of acceptance to the electronic monetary claim recording institution 120 to match.

Hereinafter, ``automatically transmit a response of acceptance to the electronic monetary claim recording institution 120 when prescribed conditions are met (for example, when the amount of the claim is a prescribed amount, or when the obligee is a prescribed obligee, etc.)'' is defined as `` Also referred to as the "Automatic Acceptance", and the terms are also referred to as the "Conditions for Automatic Acceptance".

Further explanation is provided regarding automatic acceptance. The conditions for automatic acceptance determine the attributes of the claim. In other words, automatic acceptance is done by determining the attributes of the claim. As specific examples of attributes, in one embodiment of the present invention, a predetermined credit amount and a predetermined creditor can be mentioned. That is, the obligor automatically sends a response of acceptance to the electronic monetary claim recording institution 120 when the amount of the claim is a predetermined amount (for example, when the amount of the claim is within the range of the predetermined amount) and when the obligor is a predetermined obligee. You can set it by sending it.

For example, the collating unit 104 can identify the obligee's user number registered in the extracted record in association with the client (the user designated as the debtor) (automatic The user number of the obligee who permits the reply of acceptance) and the number of the user (user number) designated as the obligee of the electronically recorded monetary claim in the notice of request for accrual recording received from the electronic monetary claim recording institution 120. Matching can be checked.

The data generation unit 108 generates data of an acceptance response addressed to the electronic monetary claim recording institution 120 according to the collation result of the collation unit 104 (when automatic acceptance by the electronically recorded monetary claim processing system 100 is permitted).

In addition, the data generation unit 108 generates data for transmitting to the debtor terminal 134 the notification of the request for record of occurrence by the creditor request method addressed to the debtor received from the electronic monetary claim recording institution 120 (Electronically Recorded Monetary Claim Processing System 100 if automatic acceptance is not allowed and/or if automatic acceptance is allowed).

Furthermore, the data generation unit 108 transmits the notification (or result) of the occurrence record by the debtor's claim method addressed to the obligee and the debtor received from the electronic monetary claim recording institution 120 to the obligee terminal 132 and the debtor terminal 134. data.

Further, after the occurrence of electronically recorded monetary claims is registered in the record ledger DB 122, the data generation unit 108 notifies the obligee terminal 132 and the obligor terminal 134 of the record of the occurrence of electronically recorded monetary claims received from the electronic monetary claims recording institution 120. Generate data to send.

The communication control unit 102 transmits the consent notice to the electronic monetary claim recording institution 120 . As described above, in one embodiment of the present invention, the financial institution automatically transmits a response of acceptance to the obligee's request for recording of occurrences in the obligee's claim method to the electronic monetary claim recording institution 120 on behalf of the obligee. This makes it possible for the obligee to start settlement by way of account transfer using the electronically recorded monetary bond.

Next, a method of processing electronically recorded monetary claims in the electronically recorded monetary bond processing system 100 will be described.

(Pre-registration of client information)
In the client management DB 106 of the electronically recorded monetary bond processing system 100, each client, that is, each record, has an obligor use flag indicating whether the obligor can become an obligor of the electronically recorded monetary bond. A service use flag indicating whether or not a service for sending an automatic consent reply to a record notification can be used, conditions for automatic consent, and obligee claims for which the electronically recorded monetary claim processing system 100 is permitted to transmit an automatic consent reply. A user number is registered to identify a requester (a user designated as an obligee) of the generation record of the method.

FIG. 2 is a diagram showing client information recorded and managed in the client management DB 106 of the electronically recorded monetary bond processing system 100 according to one embodiment of the present invention. The first record of the client information in the client management DB 106 shown in FIG. 2 contains account identification information (financial institution code, branch code, branch name, account number, code, etc., not shown), the value of the obligor use flag indicating that the obligor can be the obligor of the electronically recorded monetary claim (1: become the obligor/0: do not become the obligor (become the obligee)), and the service A value (1: available/0: unavailable) of a service use flag indicating that the use of the service is possible is registered.

The service use flag with a value of 1 (available) indicates that the financial institution (electronically recorded monetary claims processing system 100) responds to the receipt of the notification from the electronic monetary claims recording institution 120, or the user (debt or obligee), the financial institution automatically sends a response of acceptance to the electronic monetary claim recording institution 120 on behalf of the debtor.

FIG. 3 is a diagram showing service usage information recorded and managed in the client management DB 106 of the electronically recorded monetary bond processing system 100 according to one embodiment of the present invention. In the service usage information shown in FIG. 3, for the user identified by the user number "1214", there is a request for an accrual record of the obligee's request method, which permits transmission of an automatic acceptance response by the electronically recorded monetary claim processing system 100. A user identified by a user number "2017" is registered as a user.

In addition to the user name (user name) identified by the user number “1214” in the record of the client management DB 106, the Kana name, representative name, representative Kana name, address, contact information (telephone number, electronic e-mail address), etc., or the user name of the user identified by the user number "2017" may be registered.

Further, in the service usage information shown in FIG. The electronically recorded monetary claims processing system 100 is allowed to send an automatic response to the notification of the accrual record requested by the user (“C”) identified by the user number “6666” using the obligee claim method. is registered.

FIG. 4 is a diagram showing processing history information recorded and managed in the history management DB 110 of the electronically recorded monetary bond processing system 100 according to one embodiment of the present invention. Every time the electronically recorded monetary claim information is transmitted/received, the electronically recorded monetary claim processing system 100 associates it with the user number and name of the obligee and the user number and name of the obligor, and records the occurrence in the electronic monetary claim recording institution 120. Date and time of request transmission, date and time of notification of acceptance, type of notification of acceptance, other information (amount of claim, payment date, date and time of receipt of request for record, date and time of receipt of notification of record request, date and time of receipt of notification of occurrence record, date and time of notification of occurrence record, etc.) ) are memorized.

The acceptance notification transmission type is stored as setting or normal. The setting indicates that the response data of acceptance generated by the electronically recorded monetary claim processing system 100 has been sent to the electronic monetary claim recording institution 120 . Normally, it indicates that the electronically recorded monetary claim processing system 100 has received reply data from the debtor for giving notice of acceptance or denial, and has sent the reply data to the electronic monetary claim recording institution 120 .

FIG. 5 is a diagram showing service usage information recorded and managed in the client management DB 106 of the electronically recorded monetary bond processing system 100 according to one embodiment of the present invention. The service usage information shown in FIG. 5 includes the user number and name of the obligee, the user number and name of the obligor, and the value of the transaction start flag indicating the start of transaction of electronically recorded monetary claims (1: transaction started/ 0: transaction has not started) is registered.

When a transaction is started between obligee A and obligor X, the transaction start flag is stored as "1". On the other hand, since no transaction has been started between obligee B and obligor Z, the transaction start flag is stored as "0".

(Method for Processing Electronically Recorded Monetary Claims)
FIG. 6 is a flow chart showing an electronically recorded monetary bond processing method according to an embodiment of the present invention. Hereinafter, a method for processing electronically recorded monetary claims in the electronically recorded monetary bond processing system 100 will be described with reference to FIG.

As an example, the obligee "A" identified by the user number "2017" whose transaction start flag is "1" shown in FIG. ” describes the flow of requesting the recording of electronically recorded monetary claims by the obligee request method. When the obligee's terminal 132 of obligee "A" transmits a request for recording the occurrence of electronically recorded monetary claims to the electronically recorded monetary obligation processing system 100 (communication control unit 102), the flow of FIG. 6 starts.

In step S301, the electronically recorded monetary bond processing system 100 (communication control unit 102) receives a request for recording the occurrence of an electronically recorded monetary bond from the obligee's terminal 132 of obligee "A".

The request for an accrual record request includes creditor "A"'s user number and account identification information and debtor "X"'s user number and account identification information. In addition, the request for the occurrence record request includes information necessary for registration in the record ledger DB 122 of the electronic monetary claim recording institution 120, such as the amount of the claim, the payment date, and the like.

The electronically recorded monetary bond processing system 100 extracts these pieces of information from the request for claiming the record of occurrence, records them in the history management DB 110 (FIG. 4), and starts record management of processing history information.

In step S301, the electronically recorded monetary bond processing system 100 (verification unit 104) further extracts the record "X" from the client management DB 106 by the same process as in step S307, which will be described later. is registered to 1 ("X" can be a debtor).

In this case, if “X” cannot become the obligor, the electronically recorded monetary claim processing system 100 (data generation unit 108) generates data for notifying the obligee “A” of the error, and controls communication. It is transmitted to the obligee's terminal 132 via the unit 102, and the process ends.

In step S303, the electronically recorded monetary bond processing system 100 (data generating unit 108) generates the data of the received creditor claim method accrual record request, and transmits the generated data to the electronic monetary bond recording institution 120 via the communication control unit 102. Send to

The data of request for record of occurrence includes information necessary for registration in the record ledger DB 122 of the electronic monetary claim recording institution 120, such as the user number of the obligee and the obligee and the account identification information. The electronically recorded monetary claim processing system 100 updates the record management of the processing history information by recording the date and time of transmission of the request for record of occurrence (FIG. 4).

Electronic Monetary Claim Recording Institution 120, after receiving the data of the claim record request by the obligee's claim method, electronically notifies the user "X" (user number "1214") designated as the debtor of the claim record request. It is transmitted to the recorded bond processing system 100 and waits for a response from the debtor.

If “X” is not registered as a user who can become a debtor in the electronic monetary claim recording institution 120 and cannot become a debtor, the electronic monetary claim recording institution 120 notifies the electronically recorded monetary claim processing system 100 of an error. may be sent.

When receiving an error notification from the electronic monetary claim recording institution 120, the electronically recorded monetary claim processing system 100 (data generation unit 108) generates data for notifying the obligee "A" of the error, and causes the communication control unit 102 to It may be transmitted to the obligee terminal 132 via the Internet, and the processing may be terminated.

In step S305, the electronically recorded monetary claim processing system 100 (communication control unit 102) receives from the electronic monetary claim recording institution 120 the notice of request for record of occurrence addressed to obligor "X". The notice of request for record of occurrence includes the creditor's and debtor's user numbers, account identification information, and the like.

In step S307, the electronically recorded bond processing system 100 (verifying unit 104) verifies the service utilization flag and confirms the attribute of the bond.

More specifically, the electronically recorded monetary bond processing system 100 (verification unit 104) performs client management using the user number and/or account identification information of the debtor “X” indicated in the received notification of request for record of occurrence as a key. The record "X" is extracted from the DB 106, and the user number "2017" of the obligee "A" registered in association with "X" in the ) and the user number of the user designated as the obligee of the electronically recorded monetary claim in the notice of claim record received from the electronic monetary claim recording institution 120 ("A" "2017") matches.

Prior to verifying the user number, the electronically recorded monetary bond processing system 100 (verification unit 104) checks whether the value of the service use flag in the extracted record is registered as 1 (usable) (“X” indicates that the service is available). user), and if the value of the service use flag is 1 (usable), the conditions for automatic acceptance are checked, and it is determined whether automatic acceptance can be carried out (step S309). .

Referring to FIG. 2, since the value of the "X" service utilization flag is 1 (usable), the conditions for automatic acceptance are confirmed. The condition for automatic approval is described as "3 million yen or less if A (number 2017)", so if the obligee is A and the claim is 3 million yen or less, , automatic acceptance can occur. Therefore, it will be determined whether or not the claim for which approval is to be obtained in this case is "a claim where the obligee is A and the amount is 3 million yen or less."

If collation is successful (Yes in step S309: User number “2017” of obligee “A” registered in the extracted record of “X” and user “A” indicated in the notice of claim record request ” matches the user number “2017”), in step S311, the electronically recorded monetary claim processing system 100 (data generation unit 108) automatically creates an accrual record addressed to the electronic monetary claim recording institution 120 on behalf of the debtor. Generate acceptance response data for notice of claim.

That is, the data for transmitting the notice of request for record of occurrence by the creditor request method to the debtor, which is received from the electronic monetary claim recording institution 120, to the debtor terminal 134 of the debtor "X" is the electronically recorded monetary claim processing system 100 ( It is not generated by the data generation unit 108) nor is it transmitted, and there is no need for the debtor "X" to respond with consent.

In addition, the electronically recorded monetary claim processing system 100 (data generation unit 108) automatically responds to the notification of the request for record of occurrence requested by the obligee "A" based on the contract to the electronic monetary claim recording institution 120. Data to the effect that it has been transmitted may be generated and transmitted to the debtor terminal 134 of the debtor "X" via the communication control section 102 as a mere notification to the debtor "X".

However, if the obligor secures an opportunity to confirm and deny the contents of the electronic bond for which the obligee has requested an occurrence record request by the obligee request method, first, in step S311, the data generation unit 108 generates the electronic bond Generates data for transmitting to the debtor terminal 134 of the debtor "X" the notification of the request for the generation record by the creditor request method for the debtor received from the recording institution 120, and transmits the data to the debtor "X" via the communication control unit It is transmitted to the debtor terminal 134 of "X", the information of the debtor "X" is extracted from the client management DB 106, and the attributes of the debt (for example, amount of debt, obligee) described in the notice of claim record request are It is determined whether it is within the range specified in the information, and if it is determined that the attribute of the claim described in the notice of request for accrual record is within the range specified in the information, the electronically recorded claim processing system 100 ( The data generation unit 108) automatically generates response data of consent to the notification of the request for record of occurrence addressed to the electronic monetary claim recording institution 120 on behalf of the debtor. As a result, it is possible to secure an opportunity for the debtor to confirm and deny the content of the electronic bond, and to avoid "deemed denial" due to the failure to receive a response from the debtor within a predetermined period.

In step S 313 , the electronically recorded monetary bond processing system 100 (communication control unit 102 ) transmits the generated acceptance data to the electronic monetary bond recording institution 120 . The electronically recorded monetary claim processing system 100 can update the record management of the processing history information by recording the date and time of sending the notice of acceptance and setting the type of sending the notice of acceptance to "setting" (Fig. 4).

If verification fails (No in step S309: if "X" is not the service user, or if the obligee's user number registered in the extracted record of "X" and the (if the user number "2017" of user "A" does not match), in step S315, the electronically recorded monetary claim processing system 100 (data generating unit 108) sends the electronic monetary claim recording institution 120 to the debtor "X" to generate data for transmitting to the debtor's terminal 134 the notification of the occurrence record request by the obligee's request method received from the debtor's 120; ' to the obligor's terminal 134.

In step S317, the electronically recorded monetary bond processing system 100 (communication control unit 102) receives a response of acceptance from the debtor terminal 134 of debtor "X". In response to receiving the reply, the electronically recorded monetary claim processing system 100 (data generation unit 108) generates reply data of acceptance, and transmits the data to the electronic monetary claim recording institution 120 via the communication control unit 102 in step S313.

The electronically recorded monetary bond processing system 100 can update the record management of processing history information by recording the date and time of transmission of the notification of acceptance and setting the type of transmission of the notification of acceptance to “normal” (Fig. 4). As a result, on the processing history information, it becomes possible to distinguish this from the automatic acceptance response data transmission by the electronically recorded monetary claim processing system 100 in step S313.

In step S319, the electronically recorded monetary claims processing system 100 (communication control unit 102) notifies the electronically recorded monetary claims origination record addressed to obligee "A" from the electronic monetary claims recording institution 120 and sends electronically recorded claims addressed to obligor "X". Receive notifications of occurrences of

In step S321, the electronically recorded monetary claim processing system 100 (data generation unit 108) transmits a notification of the occurrence record of the electronically recorded monetary obligation to the obligee's terminal 132 of obligee "A" and the obligee's terminal 134 of obligor "X". 6 is generated and transmitted to obligee terminal 132 of obligee "A" and obligee terminal 134 of obligee "X" via communication control unit 102, and the flow of FIG. 6 ends.

It should be noted that the transmission of a request for record of electronically recorded claims by the obligee's billing method to the electronic monetary claim recording institution 120 and the means for requesting record of accrual are not essential components in this embodiment. This makes it possible to achieve the effects of the present invention even when another financial institution makes a request to record the occurrence of electronically recorded monetary claims.

As described above, according to the method for processing electronically recorded monetary claims according to the present embodiment, it is possible to reduce the burden on the obligor in the creditor claim method, and the electronically recorded monetary claims processing system, processing method, and processing are highly convenient. It becomes possible to provide the device.

100: Electronically Recorded Monetary Claims Processing System, 102: Communication Control Unit, 104: Verification Unit, 106: Client Management DB, 108: Data Generation Unit, 110: History Management DB, 120: Electronic Monetary Claims Recording Institution, 122: Record Ledger DB, 132: creditor terminal, 134: debtor terminal

Claims (4)

a receiving unit for receiving a notice of claim record request addressed to the debtor from an electronic monetary claim recording institution; and a transmitting unit for transmitting an acceptance response to the notice to the electronic monetary claim recording institution when the attribute of the claim is within a predetermined range. , and
The attribute of the claim being within a predetermined range means that the amount of the claim is equal to or less than a predetermined amount,
the attributes further include a creditor in the accrual claim;
The electronically recorded claim processing system, wherein the attribute of the claim being within a predetermined range includes that the amount of the claim is equal to or less than a predetermined amount determined according to the creditor. 2. The electronically recorded monetary claim processing system according to claim 1, wherein said transmission unit transmits a request for record of electronically recorded monetary claims according to the obligee's billing method to said electronic monetary claims recording institution. A receiving unit receives a notice of request for record of accrual addressed to the debtor from an electronic monetary claim recording institution, and a transmitting unit transmits an acceptance reply to the notice to the electronic monetary claim recording institution when the attribute of the claim is within a predetermined range. including doing
The attribute of the claim being within a predetermined range means that the amount of the claim is equal to or less than a predetermined amount,
the attributes further include a creditor in the accrual claim;
A method for processing electronically recorded claims, wherein the attribute of the claim being within a predetermined range includes that the amount of the claim is equal to or less than a predetermined amount determined according to the creditor. A computer comprising: a receiving unit for receiving a notice of request for record of accrual addressed to the debtor from an electronic monetary claim recording institution; and a transmitter;
The attribute of the claim being within a predetermined range means that the amount of the claim is equal to or less than a predetermined amount,
the attributes further include a creditor in the accrual claim;
A program operated as an electronically recorded claim processing system, wherein the attribute of the claim being within a predetermined range includes that the amount of the claim is equal to or less than a predetermined amount determined according to the creditor.

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