KR100652110B1 - Electronic bill management method and system - Google Patents

Abstract

In addition to the basic issuance, distribution, and redemption functions that have been conventionally proposed for electronic bills, application functions that may be required may include input support functions, a function of presenting a list of electronic bills, assigning and discounting them, a repayment delay function, and a backup line. It is a challenge to realize the display function of electronic bills in consideration of borrowing function and credibility.

In an electronic bill management system which registers, transfers rights, and manages erasure of electronic bills, manages data for realizing the above functions and performs a series of processing flows between systems used by publishers, assignees, and financial institutions. By the above function.

Electronic bill, input support function, repayment delay function, backup line borrowing function

Description

Electronic bill management system and its method {ELECTRONIC BILL MANAGEMENT METHOD AND SYSTEM}

1 shows an overall view of the invention.

2 illustrates the structure of a participant system (publisher).

3 is a diagram showing the structure of participant information;

4 is a diagram showing the structure of electronic bill information.

5 is a diagram showing the structure of money account information.

6 is a diagram showing the structure of history information;

7 is a diagram illustrating a processing flow of issuance.

8 is a diagram illustrating a processing flow of transfer.

9 is a diagram illustrating a candidate group selection screen;

10 is a diagram illustrating a candidate group determination screen.

11 is a diagram illustrating a processing flow of transfer.

12 shows a candidate selection screen;

13 shows a candidate determination screen;

14 is a diagram showing a processing flow of transfer.

15 is a view showing coefficient information for each credit.

16 is a diagram illustrating a processing flow of transfer.

Fig. 17 is a diagram showing an amount determination screen.

18 is a diagram showing a processing flow of discount.

19 is a diagram showing a processing flow of discount.

20 is a diagram showing a discount note determination screen;

21 is a diagram showing a processing flow of discount.

Fig. 22 is a diagram showing a processing flow for requesting a delay of redemption.

Fig. 23 is a diagram showing a processing flow for requesting a delay of redemption.

Fig. 24 is a diagram showing a processing flow of a limit liquid of a backup line.

25 is a diagram showing a processing flow of borrowing based on a backup line;

Fig. 26 is a diagram showing a display screen of electronic bills;

27 is a diagram showing the structure of participant restriction information;

Fig. 28 shows a processing flow for displaying electronic bills.

29 is a diagram showing the structure of restriction information.

30 is a diagram illustrating a processing flow for displaying a list of electronic bills.

Fig. 31 shows a list screen;

32 shows a list screen 2;

33 is a diagram showing a system configuration for realizing redemption of electronic bills in a tenth embodiment;

<Explanation of symbols for main parts of the drawings>

1100: Participant System

1400: Electronic Bill Management System

1500: financial institution system

1600: network

3000: Participant Information

3030: Participant Name

3050: financial institution account

3100: credit rating

4000: Electronic Bill Information

4010: Bill ID

4060: payment amount

4080: Repayment Date

5000: Fund Account Information

6100: History Information

7001: Notice of Paper Issue

7002: Confirmation of Bill Issuance

7003: Approval for Issuance of Paper Notes

8001: List of owned bills required

8002: List of owned bills

8003: Assignment Tone Candidate

8005: Assignment Tone

8006: Notice of Transfer Results

9000: Candidate Selection Screen

9006: Candidate for Assignment

10000: Candidate Decision Screen

10007: Selection check box

10008: OK button

11001: List of Owner's Bills Requested

11002: List of papers owned

11003, 11004: Assigned Paperwork Candidates

11005, 11006: Result of assignment note

11007: Approval result of assignment note

11008: Notice of Transfer Results

12000, 12006: Candidate Selection Screen

12008: Select destination box

13000: Candidate Decision Screen

13006: Select checkbox

14001: Transfer Amount

14002: Assigned Paper Candidate

14003, 14005: Transfer paper approval

14006: Notice of Transfer Results

15000: Counting information by credit

15100: Count by credit

16001: List of owned bills required

16002: List of owned bills

16003, 16004: Assigned Paper Candidates

16005, 16006: Estimated amount

16007: transfer approval

16010: difference payment request

16011: Notice of Transfer Results

17000: Amount Determination Screen

17004: Amount

17005: transfer destination

18001: List of owned notes

18002: List of papers owned

18003, 18004: Discount draft candidate

18005, 18006: Total payment amount

18007, 18008: approve payment

19001: List of papers owned

19002: List of papers owned

19003, 19004: Discounted draft candidates

19005, 19006: List of payment amounts

19007, 19008: Discount Bill Selection

20000: Discount Bill Determination Screen

20007: selection box

21001: Amount Notice

21002: Notice of Bills and Amounts

21003, 21004: List of discount candidates

21005, 21006: discount approval

30010: Request to send a list of bills

30020: List of Electronic Bills

30030: Repayment delay request

30040: Reimbursement request for approval

30050: registration result of repayment delay

30060: notice of delayed approval

31010: Approval request for delayed schedule change

31020: Registration of change in repayment delay schedule

31030: Notice of change in repayment delay schedule

32010: Backup line limit setting request

32020: Backup line limit approval required

32030: Backup line limit approval result

32040: Notification of backup line limit setting result

33005: Request to send forecast balance

33010: Balance transfer request

33020: Balance Notice

33030: Forecast Balance Notice

33040: Bill issuance request

33050: Request for money transfer

33060: Billing Results

33070: Notification of Fund Transfer Complete

34100: Table Information

34120: Publisher

34130: Lee Seo In

34200: About this book

35100: Participant Restrictions

36110: Display information transmission request

36120: display information

36030: Restriction Information

38110: List information transmission request

38120: List Information

39000: List screen

39210: Credit rating change information

39500: Displaying Individual Electronic Bills

40000: List screen (2)

40500: Individual Electronic Bill Display (2)

This technology is an electronic payment technology that electronically liquidates the relationship between bonds and debts between parties caused by transactions using electronic media.

In the commodity trading in the real world, a number of techniques such as electronic bills and electronic checks for electronicizing bills and checks used as payment methods for post-payments are known. Publication, Japanese Patent Laid-Open No. 9-218905). These techniques are techniques for registering electronic data promising payment in the future from a payer's system to a payee's system and paying funds in accordance with the contents of the registration data. In addition, in these techniques, it is necessary to prevent a duplicate copy of electronic bills and electronic checks from being generated and transferred. Therefore, a public registration authority is prepared without storing electronic bills and electronic checks in the recipient's system. The structure which stores an electronic bill and an electronic check in the said registration agency is also known (Japanese Patent Laid-Open No. 11-296603). In addition, there are a number of well-known examples of basic system realization methods for realizing issuance, distribution and redemption of electronic bills and electronic checks.

In the present specification, the electronic bill (including electronic checks) that promises payment of funds or goods in the future will be referred to as electronic bill in a broad sense of the concept of electronic bill.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to electronic bills, and it is a problem to realize the following application functions that may be required in addition to the basic issuance, distribution, and redemption functions that have been conventionally proposed.

The 1st subject of this invention is that the function which checks the input miss in the issuance of an electronic bill is not provided with the conventional electronic bill. This is an issuance of electronic bills as in the case of payment of money, but it is not possible to cope with an input error of an operator in the conventionally proposed electronic bills. In addition, the general input miss check function could not perform a check suitable for the transaction of electronic bills.

The second problem of the present invention is that the conventional electronic bills and bills are not provided with the function of selecting the electronic bills to be transferred when transferring the rights of the electronic bills. There was no choice but to confirm by FAX or the like, and no method of selecting a note at the time of transfer was presented. In addition, although a bill which has already been issued may be transferred as a means of payment in commerce, there is no means for selecting which bill to pay for the commerce for which the amount of money is determined.                         

A third object of the present invention is that, in the case of financing electronic bills or papers by discounting them, no means of specifying a paper bill to be discounted with a financial institution and determining the amount of money to be paid was not provided. This means that in order to perform a discount, no structure is provided for the person holding the discount paper and the financial institution agreeing to each of the bill and the amount of money. In addition, although a person who wants to obtain funds by discounting a bill has selected a bill to discount from a necessary amount of money, a method for efficiently making this selection is not provided.

The 4th subject of this invention is demonstrated. In a conventional billing transaction, the issuer requesting a delay in repayment of the bill is not performed by using a contact means such as a telephone only when the issuer knows who the assignee is at the time of repayment. However, if the paper was transferred, the issuer was in fact difficult to identify, and in fact difficult. In addition, even if the negotiations resulted in delayed payments, it was actually a form of operation depending on the conscience of the participants, such as delaying the transfer of the transfer to the clearing house. Thus, the fourth object of the present invention is to provide a means for specifying the assignee when repaying, when the issuer wishes to delay repayment at the time of redemption of the electronic bill, and for requesting the specified assignee to delay the repayment of the electronic bill. It also provides a means for changing the redemption date of the electronic bill in accordance with the negotiation result of the repayment delay.

The 5th subject of this invention is demonstrated. In a conventional billing transaction, there is a method in which an issuer borrows based on a backup line contract, which is a contract that receives a loan from a financial institution that has been contracted in advance when funds are insufficient at repayment. A fifth object of the present invention is to provide a means for borrowing based on the backup line contract in an electronic bill, and in conjunction with the borrowing, an electronic bill for which the financial institution is the assignee from the issuer in exchange for the borrowing. It is to provide a means for performing the issuance of. In this invention, in order to solve the said subject, the structure which calculates a borrowed amount based on the issuer's balance prediction, the electronic bill (electronic bill A) which becomes a backup line, and the electronic bill (electronic bill A) which are a target of backup When repayment of) is performed on the same day, it is also a problem to provide a structure in which issuance of electronic bill A is performed prior to redemption of electronic bill B.

According to the sixth subject of the present invention, there has been a change in the credit information (whether past occurrence of bankruptcy, credit rating evaluation by a third party), or the credit information of the issuer, the underwriter, and the assignee of the bill in accordance with the electronic bill. It is to provide a structure for displaying the information for determining the determination. Moreover, in this invention, in order to solve the said subject, it is also a subject to provide the structure for calculating and displaying the creditworthiness of the electronic bill itself from the credit information of an issuer, anther, and assignee.

An object of the present invention is that when a publisher of an electronic bill has a miss in a trading partner or an amount of money at the time of input in the issuance registration of the electronic bill, the electronic bill is issued as it is, and the unintentional debt is not incurred. It is to provide a system and method for conducting secure electronic billing transactions.

It is also an object of the present invention that the person who transfers the electronic bill can select which electronic bill should be returned to the payment in the transaction. In addition, it is possible to provide a system and method by which a side receiving a transfer of an electronic bill and confirmation of an electronic bill used for payment can be confirmed, and a transaction used for payment of an electronic bill issued by a third party can be easily performed.

It is also an object of the present invention that a person who owns an electronic bill can effectively fund the electronic bill. In addition, a financial institution also provides a system and method capable of efficiently determining an amount of money for discounting an electronic bill required by a customer.

It is also an object of the present invention to provide a system and method by which the issuer of an electronic bill can avoid bankruptcy even when funds are short on the repayment date, and the transferee can more reliably recover the bond. will be.

In addition, an object of the present invention is to issue a clear repayment of an electronic bill issued in the past by issuing an electronic bill serving as a backup line even when the issuer of the electronic bill becomes insufficient on the repayment date of the electronic bill. It is to provide a system and method that can be performed without preparation.

It is also an object of the present invention to provide a system and method by which a person participating in a transaction of electronic bills can accurately know the change in the creditworthiness of the electronic bill and can also know the creditworthiness of the electronic bill itself.

The present invention relates to an electronic bill management system that registers issuance, transfer, and redemption of electronic bills. It adds the ability to compare past transaction status, monthly transaction status and past transaction history.

In addition, the present invention first presents a list of electronic bills to be transferred among electronic bills possessed by the transfer source of electronic bills, and a plurality of candidates of the electronic bills to be transferred are prepared as a pair. Subsequently, the pair of electronic bills of the plurality of pairs is presented to the receiving side, and the set of bills to be transferred is selected by selecting which pair of electronic bills to receive. Alternatively, an assignable electronic bill is selected at the transfer source of the electronic bill, and then selected from the transfer destination. In addition, by confirming to the transferor, the electronic bill to be transferred is determined. Alternatively, the amount of the electronic bill to be transferred is input to the assignee of the electronic bill, and the electronic bill management system automatically selects the electronic bill corresponding to the amount, and both the assignee and the assignee confirm confirmation of the selection. Do it. In addition, the amount of the electronic bill to be transferred is input to the transferee of the electronic bill, and the system used by the transferee for the electronic bill corresponding to the amount is automatically selected, and both the transfer and the transfer destination confirm the selection. Is done. In addition, the amount of the electronic bill to be transferred is input to the transferee of the electronic bill, and the electronic bill corresponding to the amount is selected as a system to be installed in a financial institution. Do it. As a method of selecting an electronic bill suitable for an amount of money, a combination of a plurality of amounts of each bill is created, thereby creating a combination of bills that become a target amount of money. In addition, as a method of selecting an electronic bill corresponding to the amount of money, a system installed in the financial institution determines the amount of each bill or requests the determination of the amount from another financial institution's system, such as another branch. do.

In addition, the present invention first allows the electronic bill to be discounted to the side requesting the discount of the electronic bill, and transmits the electronic bill information to the financial institution. Next, the total amount of electronic bills determined by the financial institution is sent to the side requesting the discount, and the approval of the amount is requested. Further, the electronic bill as a candidate for the discount is selected to the side requesting the discount of the electronic bill, and the financial institution determines the amount of each individual electronic bill. Subsequently, the amounts of these individual bills are sent to the side requesting the discount, and the bill of discount is selected while referring to the amounts. In addition, the side requesting the discount is notified to the financial institution of the amount of money to be obtained by the discount, and the financial institution selects a paper suitable for the amount.

In addition, the present invention provides an electronic bill management system that registers the issue, transfer and redemption of electronic bills, the function of accepting a repayment delay request including a delayed repayment date that specifies when to repay from an issuer, and the present time of electronic bills. The ability to specify the assignee who is the owner of the person, the ability to send a reimbursement request to a specific assignee, to accept a response from the assignee whether to approve the repayment delay request, or to request a change in the repayment date. If approved, the ability to change the redemption date of the electronic bill to a delayed redemption date; if a request is made to change the delayed redemption date; to send the request to the issuer; If you approve changes to the function or delayed repayment date, change the redemption date of the electronic bill. And adds a function of changing a delay in redemption.

In addition, the present invention provides an electronic bill management system, which has a function of receiving a designation from a financial institution to allow a publisher to use a backup line, and transmits a prediction of how much funds are lacking on the redemption date of the electronic bill to the publisher. Function, function to accept application for issuance of electronic bill to be borrowed based on backup line from issuer, issuance of bill to be paid for the borrowing and repayment of electronic bill to cause borrowing are performed on the same day Is added, the function of controlling the timing of issuance and redemption is added.

In addition, the present invention provides an electronic bill management system comprising: a function of managing credit information of a participant using an electronic bill, a publisher of an electronic bill, a participant system used by the assignee, and a discount of the electronic bill (reduced a fixed amount of money) When the electronic bill information is transmitted to a financial institution system used by a financial institution that makes a purchase, the credit information of the issuer, the e-signer (the person who received the electronic bill and then transferred it) and the assignee of the electronic bill is transferred. Add the ability to send together. The participant system and the financial institution system include a function of displaying a received electronic bill, a function of displaying received credit information, a function of requesting and displaying a change in the creditworthiness of the issuer, the other person, and the assignee from the credit information, and the credit information. The function of calculating and displaying the creditworthiness of the electronic bill itself is added.

Embodiment of the Invention

Hereinafter, a first embodiment of the present invention will be described.

First, FIG. 1 shows the configuration and processing of the whole system in this embodiment. Each system shown in FIG. 1 is also used in other embodiments. In the present embodiment, the participant system (issuer: 1100) used by the publisher of the electronic bill, the participant system (transferee 1: 1100) used by the assignee of the electronic bill, the participant system (transferee 2: 1100), and the electronic bill transaction The electronic bill management system 1400 which manages the data and the financial institution system 1500 which transfers funds etc. by a financial institution are connected and comprised by the network 1600. As shown in FIG. Here, the participant system (Publisher: 1100), the participant system (Assignee 1: 1100) and the participant system (Assignee 2: 1100) are conveniently described by the role used, and the internal structure is the same. In addition, electronic bill is electronic data which promises payment of a fund or an article in the future, and has a function of a bill and a check in a real society, for example. In addition, the issuer is to take the debt promised in electronic draft, and the assignee is to have the bond promised in electronic draft. The electronic bill management system 1400 is a system installed in an institution that manages electronic bills. The electronic bill management system 1400 registers electronic bills in response to a request from the publisher, changes the owner of the electronic bills according to the transfer of rights from the assignee, and It is to erase the electronic bill by the debt transfer. Financial institutions are institutions that broker financial transactions, such as central banks, common banks, long-term credit banks, trust banks, credit vaults, credit unions, agricultural cooperatives, fishing cooperatives, insurance companies, securities companies, and non-bank financial institutions. , Post office. The participant system (Publisher: 1100), the participant system (1: 1100), the participant system (2: 1100), the electronic bill management system (1400), the financial institution system (1500) are computer systems, for example, personal computers. , Workstation, general purpose computer. The network 1600 is a broadcast radio wave or a telecommunication line, for example, the Internet.

As shown in FIG. 1, the electronic bill management system 1400 stores a participant DB 1401, a note DB 1402, and a history DB 1403. These are specifically stored in the storage device 2104 of the electronic bill management system 1400 having the same configuration as the participant system (Publisher: 1100). Hereinafter, the processing program and the DB (database) are similarly stored in the storage device 2104 of each system. The financial institution system 1500 stores a fund account DB 1501 and a repayment fund settlement process 1502. In addition, as the processing program for the first embodiment, the participant system (publisher: 1100) stores the note issuance processing 1101, and the participant system (assignee 1: 1100) stores the speech transfer process (1) 1201. The participant system (transferee 2: 1100) stores the note pumping process (1) 1301, and the electronic bill management system 1400 stores the transfer registration process (1) (1405) and the redemption extraction process (1406). The financial institution system 1500 then stores the repayment fund settlement process 1502.

2 shows a system configuration diagram of a participant system (Publisher: 1100). The participant system (publisher: 1100) is configured by connecting the processing device 2100, the display device 2101, the input device 2102, the communication device 2103, and the storage device 2104 via a bus 2105. The processing device 2100 is a device for executing a processing program stored in the storage device 2104, for example, a CPU. The display device 2101 is a device for outputting information to the outside of a system user or the like, for example, a display.

The input device 2102 is a device that receives input from the outside according to the user of the system, for example, a keyboard or a mouse. The communication device 2103 is connected to the network 1600, and has a participant system (issuer 1100) that is different from the participant system (issuer 1100), a participant system (assignee 2: 1100), an electronic bill management system 1400, An apparatus used to transmit and receive data with the financial institution system 1500, for example, is a network interface card. The storage device 2104 is a device for storing data and processing programs, for example, a memory or a hard disk. The participant system (assignee 1: 1100), the participant system (assignee 2: 1101), the electronic bill management system 1400, and the financial institution system 1500 also have the same system configuration as the participant system (publisher) shown in FIG.

Next, the participant information 3000 will be described. The participant information 3000 is stored in the electronic bill management system 1400 as the participant DB 1401. That is, one record of the participant DB 1401 is participant information 3000. As shown in FIG. 3, the participant information 3000 includes a participant ID 3010, a participant password 3020, a participant name 3030, a representative name 3040, a financial institution account 3050, and an industry type code 3060. , Location (3070), presence or absence of bankruptcy (3080), date of bankruptcy (3090), credit rating (3100), old credit rating (3110), credit rating change date (3120), backup line financial institution ID (3130), backup line Data includes the limit solution 3140 and the backup line use solution 3150. The participant ID 3010 is an identifier for specifying each participant. Here, the participant means a user who accesses the electronic bill management system and receives a service related to the electronic bill. The participant password 3020 is data for authenticating the participant. Participant name 3030 is the name of the participant, for example, if the participant is a company. The representative name 3040 is the name of the representative of these organizations when the participant is a company or a corporation. The financial institution account 3050 is data for specifying an account in which the participant pays or receives a price. The industry type code 3060 is data for specifying which industry the participant manages. The location 3070 is data specifying the location of the participant. The presence or absence of bankruptcy (3080) is data specifying whether the participant has gone bankrupt in the past. The default failure date 3090 is data specifying the date of the last default failure when the participant defaulted. The presence or absence of bankruptcy 3080 and bankruptcy occurrence day 3090 shall be rewritten using the input device 2102 of the electronic bill management system 1400 when the participant actually made a bankruptcy. The credit rating 3100 is data specifying the credit rating of the participant. The old credit rating 3110 is data specifying the credit rating before the change when the participant's credit rating is changed. The credit change date 3120 is data specifying the change date when there is a change in the credit rating of the participant. These credit ratings 3100, old credit ratings 3110, and credit rating change date 3120 are rewritten using the input device 2102 of the electronic bill management system 1400 when there is a change in the credit rating of the participant. The backup line providing financial institution ID 3130 is an identifier for specifying the participant who provides the backup line to the participant. The backup line refers to a contract for lending to a participant when the participant's funds are insufficient to be repaid at the time of redemption of the electronic bill issued by the participant. Backup line limit 3140 is the limit of the loan. The backup line use amount 3150 is data for specifying the amount that the participant has already borrowed based on the backup line. In addition, when the new participant is going to use the electronic bill management system 1400, the participant information 3000 is inputted from the input device 2102 of the electronic bill management system 1400, and is newly created.

Next, the structure of the electronic bill information 4000 is described. The electronic bill information 4000 is stored in the electronic bill management system 1400 as a bill DB 1402. That is, one record of the note DB 1402 is the electronic note information 4000. As shown in FIG. 4, the electronic bill information 4000 includes a bill ID 4010, a publisher ID 4020, an assignee ID 4030, an Acer ID 4040, a payment amount 4060, and a date of issue 4070. , A redemption date 4080, and a bill of call pending issue ID 4090 at the time of redemption. A bill ID 4010 is an identifier that uniquely specifies each electronic bill. The issuer ID 4020 is data that records the participant ID 3010 of the participant who issued the electronic bill, and is data specifying who issued the electronic bill. Electronic bill issuance means the same as issuance of bills, and the issuer (debtor) hands over the beneficiary promised by the electronic bill to the assignee (creditor) in exchange for payment or borrowing. The assignee ID 4030 is data in which the participant ID 3010 of the participant who has a bill of profit is specified and specifies who has the bill of rights of an electronic bill. This ID 4040 is the participant ID 3010 of the participant who completed the electronic bill, and it is data specifying who performed the document. Here, this book is synonymous with the book of paper and refers to the transfer of the profit right promised by the electronic paper. This ID 4040 is data to which a column is newly added when the electronic bill is transferred. There may be a plurality of IDs in the electronic bill information 4000. In addition, when it is necessary to specify each of the IDs (4040), which is ESE, the IDs (1) (4040), the IDs (2) (4040), and the ID (n) (4040), which is ESE, In this order, it shall be replaced by the order in which this document was performed. In addition, as with the e-paper, the e-paper holder shall assume the obligation to guarantee the payment to the final owner of the e-paper when the issuer and all previous e-bookers are in default. Here, the last owner means the assignee who is finally reimbursed the electronic bill. The repayment of electronic bills here means the same as the repayment of paper bills, and it means the receipt of the debts promised by the electronic bills by the issuer and the release of the beneficiary rights promised by the electronic bills of the assignee. The payment amount 4060 is data indicating the payment amount at the time of redemption promised by the electronic bill. The repayment day 4080 is data specifying the day of repayment. Issuance waiting bill ID 4090 is data storing an identifier specified as an electronic bill. After the issuance of the electronic bill specified by the bill waiting bill ID 4090 at the time of redemption, the redemption payment of the electronic bill is performed. Order control data to be performed. Since the issue waiting bill ID 4090 is not used in the first embodiment, detailed description will be given separately at the time of use.

Next, the structure of the fund account information 5000 will be described. The fund account information 5000 is stored in the financial institution system 1500 as the fund account DB 1501. That is, one record of the fund account DB 1501 is the fund account information 5000. As shown in FIG. 5, the fund account information 5000 includes a fund account ID 5010 and a fund account balance 5020. The fund account ID 5010 is an identifier for specifying whose fund account information 5000 is used. In the present specification, the fund account ID 5010 having the same value as the participant ID 3010 in the electronic bill management system 1400. The fund account information 5000 having 5010 is assumed to be information about a fund account of the participant identified by the participant ID 3010. The fund account information 5000 is to be newly created by inputting the entire item from the input device 2102 of the financial institution system 1500 in accordance with the time when a new participant intends to use the electronic bill management system 1400. .

The data stored in the history DB 1403 will be described with reference to FIG. 6. The history DB 1403 is a DB for recording a history of transactions by electronic bills. The history DB 1403 records history information 6100 which is information of transactions for transactions of electronic bills that have been made by the electronic bill management system 1400 in the past. The configuration of the history information 6100 will be described. The history information 6100 includes a participant ID 6101, a note ID 6102, a transaction date 6103, a transaction type 6104, a counterpart ID 6105, and an amount of money 6106. The participant ID 6101 is for specifying which participant's transaction information the history information 6100 is, and records the participant ID 3010 of the participant DB 1401. The note ID 6102 is for specifying which electronic bill transaction the history information 6100 relates to. The note ID 4010 of the note DB 1402 is recorded. The transaction date 6103 records the day on which the transaction recorded by the history information 6100 is performed. The transaction type 6104 indicates what kind of transaction the participant recorded in the participant ID 6101 made as the type of the transaction of the history information 6100. Specifically, the electronic bill management system 1400, if the participant of the participant ID 6101 issuing an electronic bill, "issuance"; if the electronic bill he owns is transferred to another participant, "transfer", In case of receipt of electronic draft issued by another participant or transfer of electronic draft from another participant, record the receipt. The trading partner ID 6105 is data indicating which participant to trade with the participant specified in the participant ID 6101 in the transaction of the history information 6100. When the transaction type 6104 is "issuance", Record the participant ID of the counterpart that issued the electronic bill, and if the transaction type (6104) is "transfer", record the participant ID (3010) of the partner who transferred the electronic bill, and the transaction type (6104) "receive" If the received electronic bill is newly issued, the issued participant ID 3010 is recorded. If the electronic bill has already been issued, the participant ID 3010 of the transferee is recorded. In addition, the electronic bill management system 1400 records the bill ID 4010 of the electronic bill for which these transactions have been performed in the bill ID 3102, and records the date on which the transaction was made on the transaction date 6103. The amount 6106 records the amount of payment 4060 of the electronic bill specified by the note ID 6102. Subsequently, when the processing of issuance or transfer of electronic bills is carried out, the electronic bill management system shall perform the following processing to both parties of the transaction. Specifically, when issuing an electronic bill, two pieces of historical information 6100 are recorded: information of the transaction for the participant who issued the electronic bill, and information of the transaction for the participant who received the issued electronic bill. In addition, in the case of the transfer of the electronic bill, two pieces of historical information 6100 are recorded: transaction information for the participant who is the transferee of the electronic bill and transaction information for the participant who is the transfer destination.

Hereinafter, issuance, transfer and redemption of electronic bills in the first embodiment will be described. A processing flow for issuing electronic bills in the first embodiment will be described with reference to FIG. As shown in FIG. 7, the electronic bill issuance is performed by storing the paper issuance processing 1101 in the participant system (publisher: 1100) and storing the new registration process 1404 in the electronic bill management system 1400. . Subsequently, in this processing flow, the operation of the participant system (publisher: 1100) is operated in the order shown in the note issuing process 1101, and the operation of the electronic note management system 1400 is newly registered processing 1404. Operate according to the order shown in.

Participant system (Publisher: 1100) receives input of participant ID 3010, participant password 3020, assignee ID 4030, payment amount 4060, and repayment date 4080 from input device 2102 . The ID 4030 which is the assignee of the electronic bill is the participant ID 3010 of the issuer of the electronic bill, which is the participant ID 3010 of the person who receives the payment of the electronic bill. The payment amount 4060 is the amount of funds paid by the issuer of the electronic bill when the issued electronic bill is redeemed. In addition, repayment date 4080 is designation of the day of repayment. The participant system (publisher: 1100) uses electronic participant ID 3010, participant password 3020, assignee ID 4030, payment amount 4060, and repayment date 4080 as paper issue notification 7001. To the management system 1400. Here, the transmission is the transfer of information from the communication device 2103 of the participant system (publisher: 1100) to the communication device 2103 of the electronic bill management system 1400 via the network 1600. Subsequently, the transmission of information between the systems is to be performed in a similar manner.

When the electronic bill management system 1400 receives the note issuance notification 7001, the participant ID 3010 and the participant password 30 matching the participant ID 3010 and the participant password 3020 received from the participant DB 1401 ( Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the process is referred to as authentication processing in the electronic bill management system 1400.

Subsequently, the electronic bill management system 1400 is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, and the history information 6100 which is the ID 4030 which is a positive number received by the trading partner ID 6105. ). As a result of this retrieval, when the corresponding history information 6100 does not exist, the electronic bill to be issued is a publication to a new client without a transaction by the electronic bill in the past.

Next, the electronic bill management system 1400 is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the ID 4030 which is the positive number received by the trading partner ID 6105, and the transaction type ( 6104 searches for history information 6100 of "issuance". As a result of this retrieval, when the corresponding history information 6100 does not exist, the electronic bill to be issued is a publication to a new issuer rather than the issuer of the electronic bill in the past.

Subsequently, the electronic bill management system 1400 is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the ID 4030 which is the positive number received by the trading partner ID 6105, and the transaction type ( 6104 searches for the history information 6100 of which "issuance" is performed. If one or more of the corresponding history information 6100 exist, the maximum amount 6106 is searched among them. The electronic bill management system 1400 compares the retrieved maximum amount 6106 with the received payment amount 4060. As a result of this comparison, if the received payment amount 4060 is greater than the maximum amount 6106 retrieved, the received note issuance issuance by the notification issued 7001 is the highest among the issuances of electronic bills to the issuer in the past. It is an amount.

The electronic bill management system 1400 then retrieves the history information 6100 that is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, and the transaction type 6104 is "issuance". If more than one corresponding history information 6100 exists, the maximum amount 6106 is retrieved from these. The electronic bill management system 1400 compares the retrieved maximum amount 6106 with the received payment amount 4060. As a result of this comparison, if the received payment amount 4060 is greater than the maximum amount 6106 retrieved, the issued by the received note issuance notification 7001 is the highest among the issuances of electronic bills against all past parties. It is an amount.

Subsequently, the electronic bill management system 1400 is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, the ID 4030 which is the positive number received by the trading partner ID 6105, and the transaction type ( If 6104 is searched for the history information 6100 having "issuance", and one or more corresponding history information 6100 exists, these transaction days 6103 are classified by month, and the monthly amount 6106. Calculate the sum of In addition, the payment amount 4060 of the received note issuance notice 7001 is added to the total amount of months in the present day (the day on which the note issuance notice 7001 is received). If the sum of the total amount of the current month and the sum of the amount of payment (4060) is the maximum of the sum of the monthly amount (6106) and the sum of the total amount of the current month and the amount of payment (4060), the corresponding issue for the issuer. Issuance of electronic bills for the month is the maximum for monthly issuance.

The electronic bill management system 1400 then retrieves the history information 6100 that is the participant ID 3010 received by the participant ID 6101 from the history DB 1403, and the transaction type 6104 is "issuance". When one or more of the corresponding history information 6100 exists, these transaction days 6103 are classified by month, and the sum of the monthly amounts 6106 is calculated. In addition, the payment amount 4060 of the received note issuance notice 7001 is added to the total amount of months in the present day (the day on which the note issuance notice 7001 is received). If the sum of the total amount of money of the present month and the amount of payment (4060) is the maximum among the sum of the amount of money 6106 of the month, the sum of the amount of money of the present month and the amount of payment (4060), the former of the month Issuance of bills is the maximum of monthly issuance.

In the above, in the case where the highest amount is among the issuances of electronic bills to the issuer in the past, when the highest amount is among the issuances of the electronic bill to all past partners, the issuance of this month's electronic bills to the issuer will be In the case of the maximum amount, the case where the issue of electronic bill of the month is the maximum amount of monthly issuance is checked, but it is determined whether the received bill issuance notice 7001 is the maximum amount of the issue of past electronic bill or issuance in a certain period. It may not be checked, for example, and may check whether it exceeds a fixed ratio with respect to the past maximum amount of money. This is, for example, the issuance of this month's electronic bill to the issuer, which checks the case where the electronic bill to the issuer in the past exceeds 80% of the maximum amount, is 110% of the maximum amount of monthly issuance. Check if it exceeds. Even when the contents of the note issuance 7001 exceed a certain percentage of these past transaction amounts, the participant system (publisher: 1100) is notified as in the case of exceeding the following maximum amount of money. ) May display a warning.

The electronic bill management system 1400 which has compared the past transaction history and the note issuance notification 7001 then transmits a note issue confirmation 7002 to the participant system (Publisher: 1100). The note issuance confirmation 7002 includes the participant ID 3010, the assignee ID 4030, the payment amount 4060, the repayment date 4080, which are the contents of the note issuance notification 7001 received by the electronic bill management system 1400, If the electronic bill to be issued is an issue to a new account with no transaction in the past, or if the electronic bill to be issued is to a new issuer that has not been issued as an electronic bill in the past; The purpose is the highest amount of electronic bills issued to that issuer, if the highest amount among the issuances of electronic bills to all past parties, the purpose and the issue of this month's electronic bills to that issuer. If this is the maximum amount of monthly issuance, the purpose thereof shall be included; The same applies to the case where the maximum amount exceeds a certain amount, in addition to the maximum amount. Here, although the total issuance amount for each month has been calculated, it may be a period of different length, such as every three months, every half year, every year, and not every month.

When the participant system (issuer: 1100) receives the note issuance confirmation 7002, the participant system (issuer: 1100) displays the contents on the display device 2101. Here, when the participant system (issuer: 1100) has recorded in the bill issuance confirmation 7002 that the electronic bill to be issued is the issuance for a new customer who has not had a transaction by the electronic bill in the past, the display device 2101 A warning message is displayed stating "This is a new customer with no previous trading experience." In addition, when the participant system (Publisher: 1100) records that the electronic bill to be issued by the note issuance confirmation 7002 is issued to a new issuer that has not previously been issued as the issuer of the electronic bill, the display device 2101 Displays a warning stating "This is a new issuer that has not issued electronic bills in the past." In addition, when the participant system (Publisher: 1100) has recorded the highest amount of money in electronic bills issued to the issuer in the past, the display device 2101 reads "Issued issuer 7002". It is the maximum issuance amount in the past ". In addition, when the participant system (Publisher: 1100) is recorded in the bill issuance confirmation 7002 that the highest amount of money is issued from the electronic bills for all the past opponents, the display device 2101 reads "Past maximum issuance amount." Is displayed. ”Is displayed. In addition, the participant system (publisher: 1100) displays in the bill issuance confirmation 7002 when the issuance of the electronic bill of the month for the assignee ID 4030 is the maximum amount of monthly issuance. ) Displays a warning stating "This is the largest total issuance per month for this issuer." In addition, when the participant system (Publisher: 1100) records in the bill issuance confirmation 7002 that the issuance of the electronic bill of the month is the maximum amount of monthly issuance, the display device 2101 displays "the past per month." The maximum total issuance amount ”is displayed. The same applies to the case where the maximum amount is exceeded by more than a certain amount, in addition to the maximum amount. Subsequently, the participant system (Publisher 1100) receives an input of confirmation of issuance of the electronic bill from the input device 2102. This confirmation input is performed by, for example, displaying a button indicated by "issuance" on the display device 2101 and receiving the selection of the button from the input device 2102. The participant system (publisher: 1100) transmits a bill issuance approval 7003 to the electronic bill management system 1400 only when an input for confirming issuance of the electronic bill is received.

The electronic bill management system 1400 which has received the bill issuance approval 7003 registers a new electronic bill in the bill DB 1402. This registration creates a new electronic bill information 4000 in the bill DB 1402, records a number that is not duplicated with another bill ID in the bill ID 4010, and also notes the bill issuance in the publisher ID 4020. The participant ID 3010 of 7001 is recorded, and the assignee ID 4030 of the bill issuance notice 7001 is recorded in the assignee ID 4030, and the bill issuance notice 7001 is recorded in the payment amount 4060. The payment amount 4060 is recorded, and the repayment date 4080 of the note issuance notice 7001 is recorded on the repayment date 4080. By the above, the process of issuing an electronic bill is complete | finished and a new electronic bill is registered in the electronic bill management system 1400.

Next, the processing flow for transfer of electronic bill in a 1st Example is demonstrated using FIG. As shown in Fig. 8, the transfer of electronic bills stores sound transfer processing (1) 1201 in the participant system (transferee 1: 1100), which is the transfer source, and the bill transfer to the participant system (transferee 2: 1100), which is the transferee. The processing (1) 1301 is stored, and the transfer registration processing (1) 1405, which is the processing of the transfer of the electronic bill right, is performed in the electronic bill management system 1400. Further, in the embodiment of the transfer of electronic bills in the present invention, the participant system (transferee 1: 1100) is the transferee system used by the participant who becomes the transferee of the electronic bill, and the participant system (transferee 2: 1100). It is the transfer destination system used by the participant who transfers this electronic bill. Subsequently, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the procedure shown in the speech conveyance processing (1) 1201, and the operation of the participant system (assignee 2: 1100) is carried out It is assumed that operation is performed in accordance with the processing (1) 1301, and the operation of the electronic bill management system 1400 is operated in accordance with the transfer registration processing (1) 1405.

Initially, the participant system (assignee 1: 1100) of the participant to be the assignee receives input of the participant ID 3010 and the participant password 3020 from the input device 2102. The participant system (assignee 1: 1100) transmits the participant ID 3010 and participant password 3020 which received input as the owned note list request 8001.

When the electronic bill management system 1400 receives the owned bill list request 8001, it authenticates the participant who becomes the transferee. Next, the electronic bill management system 1400 retrieves the electronic bill information 4000 which is the participant ID 3010 which the assignee ID 4030 received by the transferee list request 8001 from the bill DB 1402. If the matching electronic bill information 4000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 searches the participant DB 1401 by the publisher ID 4020 of all electronic bill information 4000 extracted as a result of the search, and the participant ID 3010 is the publisher ID 4020. Participant information 3000 is extracted and the participant name 3030 is examined. Subsequently, the name of the participant 3030 of the issuer of the electronic bill, that is, the name of the publisher, is searched in the same manner, and the name of the name of the participant, which is the participant name 3030 of the participant who performed the electronic bill, is similarly It is assumed that the participant DB 1401 is searched by the ID 4030, and the participant name 3030 of the participant information 3000 whose participant ID 3010 matches. Subsequently, the electronic bill management system 1400 holds all the electronic bill information 4000 extracted as a result of the search and the participant name 3030 corresponding to the publisher ID of the electronic bill information 4000 as the owned bill list 8002. Send to the system (Assignee 1100).

When the participant system (assignee 1: 1100) receives the list of owned notes 8002, the candidate selection screen 9000 shown in Fig. 9 is displayed on the display device 2101. Here, the candidate group selection screen 9000 displays the contents of transferable notes, and inputs the pair and the transfer destination of the notes to be transferred among them. In this Fig. 9, the bill ID 9001 is a column for displaying the bill ID 4010 of the transferable electronic bill, the publisher 9002 is the participant name 3030 of the issuer of the electronic bill, and the amount of payment 9003. ) Is a column for displaying the payment amount 4060 of the electronic bill, and a redemption date 9004 is a field for displaying the redemption date 4080 of the electronic bill. The transfer pattern 9005 is a field for the participant terminal (assignee 1: 1100) to receive input of a pair of transfer patterns of electronic bills from the operator. The transfer assignment candidate 9006 is a column for selecting the number of the electronic bill to be transferred and the electronic bill to be included in the transfer for each group. The selection box 9007 is for the operator of the participant terminal (assignee 1: 1100) to specify that the electronic draft of the row is included in the transfer candidate candidate 9006 of the column, and the operator selects each of them by clicking with a mouse, for example. It is possible to switch between selection and non-selection independently of the electronic bill. In the example shown in FIG. 9, in the column 1 of the transfer candidate candidate 9006, two electronic bills of note ID9001, "00100001" and "00200004", are selected. This indicates that the bill ID 9001 is selected as two first bills of "00100001" and "00200004" as the first candidate of the pair of electronic bills to be transferred. Similarly, the example shown in FIG. 9 shows that the bill ID 9001 has two electronic bills of "00200001" and "00700001" selected as the second candidates of the pair of electronic bills to be transferred. Moreover, as the 3rd candidate of the pair of electronic bills to be transferred, it is shown that one electronic bill of "00500002" is selected as the paper ID 9001. As a result, the participant terminal (assignee 1: 1100) is a bill to be transferred from the operator, and the speech ID 9001, that is, the speech ID 4010 in the speech DB of the electronic bill management system 1400, is set to "00100001" and "00200004. Receive registration of any one of three pairs of two electronic bills of "," or two electronic bills of "00200001" and "00700001", or one electronic bill of "00500002". Here, although there are only three transfer assignment candidates 9006 in FIG. 9, the transfer candidates 9006 may be two or less, four or more, or variable. The transfer destination selection box 9009 is for the participant system (assignee 1: 1100) to receive input from the operator of the participant ID 3010 of the transfer destination of the electronic bill, and is an input device 2102, for example, from a keyboard. Receives input of the participant ID 3010 of the transfer destination. When the participant terminal (assignee 1100) receives the OK button 9008 by the input device 2102, for example, by a click from the mouse, the participant terminal candidate 8003 receives the transfer tone candidate 8003 from the electronic bill management system 1400. To send). This transfer tone candidate 8003 has a note ID 4010 of the electronic bill selected in each transfer pattern 9005 and a participant ID 3010 of the transfer destination input in the transfer destination selection box 9009. Specifically, when there is an input as shown in the example of FIG. 9, the assignment tone candidate 8003 is the first candidate of the assignment candidate and two note IDs 4010 and transfer assignment of "00100001" and "00200004". Two note IDs 4010 of "00200001" and "00700001" as the second candidates of the candidate, and one note ID 4010 of "00700001" as the third candidate of the transfer candidate. Also, "0000002" is included as the participant ID 3010 of the transfer destination.

When the electronic bill management system 1400 receives the transfer tone candidate 8003 from the participant system (assignee 1: 1100), the transfer tone candidate 8004 is received by the participant ID 3010 from the participant ID of the transfer destination. 3010) to the participant system (assignee 2: 1100). This transfer tone candidate 8004 includes, from the note DB 1402, a note ID 4010 for each set of transferable note pairs recorded in the transfer tone candidate 8003 received from the participant system (assignee 1: 1100). The electronic bill information 4000 is retrieved and the contents thereof are recorded. In addition, the name of the issuer 3030 of the issuer is recorded in the transfer tone candidate 8004. Specifically, when the assignee candidate 9006 is selected as shown in the example shown in FIG. 9, the electronic bill management system 1400 assigns the assignee note 8004 to the note ID 4010 of "00100001". The electronic bill information 4000 of the electronic bill and the electronic bill information 4000 of the electronic bill which is "00200004" are retrieved and recorded from the bill DB 1402 as the first set, and similarly, the bill ID 4010 is "00200001". The electronic bill information 4000 of the electronic bill and the electronic bill information 4000 of the electronic bill "00700001" are retrieved and recorded from the bill DB 1402 as the second set, and the bill of the bill ID 4010 is "00500002". The electronic bill information 4000 of the bill is retrieved from the bill DB 1402 as a third article and recorded.

When the participant system (assignee 2: 1100) receives the transfer tone candidate 8004, the participant system 30102 receives input of the participant ID 3010 and the participant password 3020 from the input device 2102, and then transfers the transfer tone candidate 8004. On the display device 2101, the candidate set determination screen 10000 shown in FIG. In FIG. 10, the transfer pattern 10001 is a symbol assigned so as not to overlap each pair of transferred electronic bills, and if the transfer side selects the transferable electronic bill as in the example shown in FIG. 9, three transfer patterns 10001 is displayed. Bill ID 10002 is the bill ID 4010 of the candidate's electronic bill to be transferred, issuer 10003 is the issuer's participant name 3030, pay amount 10004 is the same payment amount 4060, and redemption date 10005 is the redemption date 4080 similarly. In addition, on the candidate tone determination screen 10000, the information of the electronic bill is divided and displayed as the transfer pattern 10001 for each pair of electronic bills designated by the transfer tone candidate 8004. Specifically, a partition line is displayed for each transfer pattern 10001 as shown in FIG. 10. In the selection 10006, a selection check box 10007 is provided for each transfer pattern 10001. The selection check box 10007 is for receiving a selection from the input device 2102 of which transfer pattern 10001 a pair of electronic bills are to be transferred. Only one of them can be selected. The OK button 10008 is a button for confirming the selection and sending the information to the electronic bill management system 1400. Participant system (Assignee 2: 1100), when only one of selection check boxes 10007 is selected, is OK button 10008 being input device 2102, for example, a mouse to be transferred ) Is transmitted to the electronic bill management system 1400. Here, the assignment tone 8005 includes a participant ID 3010 and a participant password 3020 initially inputted, and a note ID 10002 of the transfer pattern 10001 of the selected selection check box 10007. will be. Specifically, in the case of Fig. 10, since the selection check box 10007 of the row in which the transfer pattern 10001 is "2" is selected, the transfer tone 8005 has the transfer pattern 10001 "2". The note ID 10002 of the row, that is, the note ID 4010 of the electronic bill information 4000, " 00200001 " and &quot; 00700001 &quot;.

The electronic bill management system 1400 authenticates the participant who becomes the assignee when receiving the transferable tone 8005. Subsequently, the confirmation of the execution of the transfer of the electronic bill is confirmed, and the transfer of the electronic bill is registered. Here, the participant ID of the transferee is the participant ID 3010 sent to the owned bill list request 8001, and the participant ID of the transfer destination is the participant ID of the transfer destination sent to the transfer candidate candidate 8003. In addition, it is assumed that all paper IDs 4010 included in the transferable tone set 8005 are the paper IDs 4010 of the electronic paper to be transferred. Registration of assignment first retrieves electronic bill information 4000 of the electronic bill to be transferred from the bill DB 1402 by a bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one additional ID 4040 is recorded and the participant ID of the transferee is recorded. At this time, if the ID 4040, which is the last recorded currently, is ID (n) 4040, which is Ecer, it is recorded in ID (n + 1) 4040, which is Ecer. Subsequently, the transferee ID 4030 is rewritten to record the participant ID of the transfer destination. In accordance with the above, the process of transferring the electronic bill is completed, and the change of the assignee of the electronic bill is registered in the electronic bill management system 1400.

After changing the assignee of the electronic bill, the electronic bill management system 1400 transmits the transfer result notification 8006 to the participant system (transferee 1: 1100). This transfer result notification 8006 includes electronic bill information 4000 of all electronic bills to be transferred. Specifically, the electronic bill information 4000 of all electronic bills to be transferred is retrieved from the bill DB 1402, and the contents thereof are recorded in the transfer result notification 8006. The participant system 1 (receiver 1: 1100) receiving the transfer result notification 8006 displays the electronic bill information 4000 recorded in the transfer result notification 8006 as the information of the electronic bill transferred to the display device 2101. .

Next, the flow of redemption of electronic bills is demonstrated. The repayment of the electronic bill is performed by storing the redemption extraction processing (1) 1406 in the electronic bill management system 1400 and the repayment fund settlement process in the financial institution system 1500. Then, in this processing flow, the operation of the electronic bill management system 1400 is supposed to operate according to the redemption extraction processing (1) 1406, and the operation of the financial institution system 1500 operates according to the repayment fund settlement process. Shall be.

The electronic bill management system 1400 extracts the electronic bill which should be repaid on that day every day, for example, before starting processing of the electronic bill transaction of the day. This extraction is performed by retrieving the electronic bill information 4000 of which the redemption date 4080 is the day from the bill DB 1402. The following processing is performed on all the extracted electronic bill information 4000. The electronic bill management system 1400 extracts the publisher ID 4020 and the assignee ID 4030 of the extracted electronic bill information 4000, and accordingly the publisher and the current assignee of the electronic bill from the participant DB 1401. Search for the participant information 3000. The electronic bill management system 1400 then sends a redemption funds settlement notice to the financial institution system 1500. The financial institution system 1500 to which the repayment fund settlement notification is sent is a financial institution designated in the financial institution account 3050 of the participant information 3000 searched by the publisher ID of the extracted electronic bill information 4000. The repayment fund settlement notification is based on the information recorded in the extracted electronic bill information 4000 and the financial institution account 3050 of the participant information 3000 retrieved from the publisher ID 4020 of the extracted electronic bill information 4000. The information includes the information of the financial institution account 3050 of the participant information 3000 retrieved from the assignee ID 4030.

The financial institution system 1500 that has received the repayment fund settlement notice from the electronic bill management system 1400 performs transfer of funds from the issuer to the assignee on the fund account DB 1501. The publisher is a participant specified by the publisher ID 4020 in the electronic bill information 4000, and the assignee is a participant specified by the ID 4030 which is the assignee of the electronic bill information 4000. This transfer includes the fund account balance 5020 of the fund account information 5000 in which the financial institution system 1500 that has received the repayment fund settlement notice from the electronic bill management system 1400 is specified as the financial institution account 3050 of the issuer. Decreases the amount by the amount specified by the payment amount 4060, and if the reduction is successful, the amount of the payment 4040 of the fund account balance 5020 of the fund account information 5000 specified by the transferee's financial institution account 3050. This is done by increasing the amount specified by. In addition, when the transfer of funds is successful in the transfer of funds, the validity of the electronic bill is assumed to be lost, and the electronic bill management system 1400 determines the electronic bill information of the electronic bill that has been repaid from the bill DB 1402. Erase 4000). Here, when the balance of the account designated by the financial institution account 3050 of the issuer fails to transfer due to a shortage, it is defaulted to the participant designated by the ID 4040 which is the book in the electronic bill information 4000. We shall request payment.

Next, a second embodiment of the present invention will be described. The second embodiment is another embodiment of the process of transfer of the electronic bill in the first embodiment.

A processing flow for transferring electronic bills in the second embodiment will be described with reference to FIG. In the present embodiment, as shown in FIG. 11, the paper transfer process (2) 11101 is stored in the participant system (assignee 1: 1100) and the paper is transferred to the participant system (assignee 2: 1100) as shown in FIG. The pumping process (2) 11102 is stored, and the transfer registration process (2) 11103 is stored in the electronic bill management system 1400 and performed. Subsequently, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the order shown in the speech transfer process (2) 11101, and the operation of the participant system (assignee 2: 1100) It is supposed to operate in accordance with the pumping process (2) 11102, and the operation of the electronic bill management system 1400 is operated in accordance with the transfer registration process (2) 11103.

The participant system (Assignee 1100) receives an input of a participant ID 3010 and a participant password 3020 from the input device 2102. The participant system (assignee 1: 1100) transmits the input participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as the owned note list request 11001.

When the electronic bill management system 1400 receives the owned bill list request 11001, the participant ID 3010 matching the participant ID 3010 received from the participant DB 1401 and the participant password 3020 and the participant password ( Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the process is referred to as authentication processing in the electronic bill management system 1400. Subsequently, the electronic bill management system 1400 transmits the owned bill list 1102 to the participant system (assignee 1: 1100), similarly to the creation and transmission of the owned note list 8002 in the first embodiment.

When the participant system (assignee 1: 1100) receives the list of owned notes 1102, the candidate selection screen 12000 shown in Fig. 12 is displayed. Here, the candidate selection screen 12000 is a screen for displaying the contents of the transferable note, and inputting the candidates of the transferable note among them and the transfer destination. In this Fig. 12, the bill ID 12001 is a column for displaying the bill ID 4010 of the transferable electronic bill, and the publisher 12002 is the participant name 3030 of the publisher of the electronic bill, and the amount of payment 12003. ) Is a column for displaying the payment amount 4060 of the electronic bill, and a repayment date 12004 is a column for displaying the repayment date 4080 of the electronic bill. The transfer candidate 12005 is a field for the participant terminal (assignee 1: 1100) to receive input from the operator on the candidate selection screen 12006 for the transfer of the electronic bill. The selection box 12006 is for the operator of the participant terminal (assignee 1: 1100) to specify that the electronic bill of the row is to be transferred to the candidate. The operator selects each electronic bill by clicking, for example, with a mouse. You can switch between selection and non-selection independently. In the example shown in FIG. 12, four electronic bills of the note ID 12001 of "00100001", "00200001", "00200003", "00200004", and "00700001" are selected as transfer candidates. Accordingly, the participant terminal (assignee 1: 1100) is the bill to be transferred from the operator, the bill ID 12001, that is, the bill information 4010 of the bill ID 4010 in the bill DB of the electronic bill management system 1400. It is assumed that transfer of electronic bill of (4000) has been registered. The transfer destination selection box 12008 is for the participant system (assignee 1: 1100) to receive input from the operator of the participant ID 3010 of the transfer destination of the electronic bill, which is the input device 2102, for example, from a keyboard. Receives input of the participant ID 3010 of the transfer destination. The participant terminal (assignee 1: 1100) transmits the transferable note candidate 11003 to the electronic bill management system 1400 when the OK button 12007 is clicked with a mouse, which is the input device 2102, for example. . This transfer paper candidate 11003 holds the paper ID 4010 of the electronic paper selected as the transfer candidate 12005 and the participant ID 3010 of the transfer destination input to the transfer destination selection box 12008. Specifically, when there is an input as in the example of FIG. 12, the transfer paper candidate 11003 is a transfer candidate, and five notes of "00100001", "00200001", "00200003", "00200004", and "00700001" are assigned. ID 4010 and "0000002" as the participant ID 3010 of the transfer destination.

When the electronic bill management system 1400 receives the transfer paper candidate 11003 from the participant system (assignee 1: 1100), the electronic paper management system 1400 receives the transfer paper candidate 11004 and the participant ID of the transfer destination that the participant ID 3010 received. 3010) to the participant system (assignee 2: 1100). This transfer paper candidate 11004 includes, from the note DB 1402, a note ID 4010 for the candidates of each transferable note recorded in the transfer paper candidate 11003 received from the participant system (assignee 1: 1100). The electronic bill information 4000 is retrieved and the contents thereof are recorded. In addition, the name of the issuer 3030 of the publisher is recorded in the transfer paper candidate 11004. Specifically, when the transfer candidate 12005 is selected as shown in the example shown in FIG. 12, the electronic bill management system 1400 is assigned to the transfer paper candidate 11004, and the electronic bill having the note ID 4010 of “00100001”. Electronic bill information 4000, Electronic bill information 4000 of electronic bill "00200001", Electronic bill information 4000 of electronic bill "00200003", Electronic bill information (4000) of electronic bill "00200004" ), And the electronic bill information 4000 of the electronic bill "00700001" is retrieved from the paper DB 1402 and recorded.

When the participant system (transferee 2: 1100) receives the transferable note candidate 11004, the participant system 30102 receives input of the participant ID 3010 and the participant password 3020 from the input device 2102, and then the transferee candidate 11004 receives the input. Based on the information, the candidate determination screen 13000 shown in FIG. 13 is displayed on the display device 2101. In FIG. 13, the note ID 13001 is the note ID 4010 of the electronic draft of the candidate to be transferred, the issuer 13002 is the participant's name 3030 of the issuer, the payment amount 13003 is the payment amount 4060, and The repayment date 13004 is the repayment date 4080. The positive candidates 13005 are provided with selection check boxes 13006 for each electronic bill. The selection box 13006 is for the operator of the participant terminal (Assignee 2: 1100) to specify that the electronic bill of the row is to be received, and the operator independently selects each electronic bill by clicking, for example, with a mouse. You can switch non-selection. The OK button 13007 is a button for confirming the selection and sending the information to the electronic bill management system 1400. The participant system (Assignee 2: 1100) receives the selection of one or more of the selection check boxes 1308, and if the OK button 13007 is pressed by an input device 2102, for example, with a mouse, the result of the transfer of note selection 11005 is transmitted to the electronic bill management system 1400. Here, the transferable note selection result 11005 includes the participant ID 3010 and the participant password 3020 which were initially input, and the draft ID 13001 of the electronic bill in the row of the selected check box 13006. It is. Specifically, in the case of FIG. 13, the transferable note selection result 11005 is two note IDs 13001 of "00100001" and "00200004", that is, the note ID 4010 of the electronic note information 4000. 00100001 "and" 00200004 ".

The electronic bill management system 1400 authenticates the participant who becomes the assignee upon receipt of the transferable note selection result 11005 from the participant system (acceptor 2: 1100). Subsequently, the electronic bill management system 1400 transmits the transferable note selection result 11006 to the participant system (assignee 1: 1100). This transferable note selection result 11006 includes candidates for each transferable note recorded in the transferable note selection result 11005 received from the participant system (transferee 2: 1100), and the speech DB ( Electronic bill information 4000 is retrieved from 1402, and the contents thereof are recorded. In addition, the participant's name 3030 of the issuer is recorded in the transferable note selection result 11006. Specifically, when the positive candidates 13005 are selected as shown in the example shown in FIG. 13, the electronic bill management system 1400 determines that the electronic note management system 1400 has a note ID 4010 of "00100001" in the transferable note selection result 11006. The electronic bill information 4000 of the bill and the electronic bill information 4000 of the electronic bill of "00200004" are retrieved from the bill DB 1402 and recorded.

The participant system (assignee 1: 1100) that has received the assignment note selection result 11006, outputs the information of the electronic bill information 4000 of all the received electronic bills to the display device 2101. In addition, the participant system (assignee 1: 1100) displays a screen for confirming whether or not to transfer the electronic bill of the displayed electronic bill information (4000), and accepts or rejects the transfer from the input device (2102). Take input Here, the screen for confirming whether or not to transfer is a screen for receiving input of confirmation of the transfer of the electronic bill indicated by the displayed information. For example, the electronic bill information of the displayed electronic bill ( 4000), "We transfer these electronic bills. Are you okay? ”And a button for confirmation. The participant system (assignee 1: 1100) assumes the transfer permission when the button for confirmation is the input device 2102, for example, pressed by a mouse. If no input is received that the transfer is possible, the participant system (assignee 1100) stops processing. Upon receiving an input of the transfer permission, the participant system 1 (1100) then transmits the transfer paper selection result acknowledgment 11007 to the electronic paper management center 1400.

When the electronic bill management system 1400 receives the acceptance note selection result approval 11007, it is assumed that the execution of the transfer of the electronic bill is confirmed, and the electronic bill management system performs the transfer of the right of the electronic bill. Here, the participant ID of the transferee is the participant ID 3010 transmitted in the owned bill list request 11001, and the participant ID of the transfer destination is the participant ID of the transfer destination sent to the candidate for the draft paper 11003. The note ID 4010 of the electronic bill to be transferred is assumed to be all the note IDs 4010 included in the result of the note assignment. Registration of assignment first retrieves electronic bill information 4000 of the electronic bill to be transferred from the bill DB 1402 by a bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one additional ID 4040 is recorded, and it is set as the participant ID of the transferee. At this time, if the ID 4040 which is the last recorded currently is the ID (n) 4040 which is the Eser, it is recorded in the ID (n + 1) 4040 which is Ecer. Subsequently, the transferee ID 4030 is rewritten to record the participant ID of the transfer destination. By the above, the process of transfer of the electronic bill is complete | finished, and the change of the assignee of an electronic bill is registered in the electronic bill management system 1400.

After changing the assignee of the electronic bill, the electronic bill management system 1400 transmits the transfer result notification 11008 to the participant system (transferee 2: 1100). This transfer result notification 11008 includes electronic bill information 4000 of all the electronic bills to be transferred. Specifically, the electronic bill information 4000 of all the electronic bills to be transferred is retrieved from the bill DB 1402, and the contents thereof are recorded in the transfer result notification 11008. The participant system (assignee 2: 1100) receiving the transfer result notification 11008 displays the electronic bill information 4000 recorded in the transfer result notification 11008 as the information of the electronic bill transferred to the display device 2101. .

Next, a third embodiment of the present invention will be described. The third embodiment is another embodiment of the process of transferring the electronic bill in the first embodiment. In the third embodiment, the electronic bill management system 1400 corresponding to the range of the amount of money input by the assigning party is not selected from the list of the electronic billing side and the side of the electronic bill to be transferred. ) Will automatically select. The details of the third embodiment will be described below.

A processing flow for transferring electronic bills in the third embodiment will be described with reference to FIG. In the present embodiment, as shown in Fig. 14, the paper transfer process (3) 14101 is stored in the participant system (assignee 1: 1100), and the paper is transferred to the participant system (assignee 2: 1100). The pumping process (3) 14102 is stored, and the transfer registration process (3) 14103 is stored in the electronic bill management system 1400 and performed. Then, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the order shown in the speech transfer process (3) 14101, and the operation of the participant system (assignee 2: 1100) is carried out It is assumed that the operation is performed in accordance with the processing (3) 14102, and the operation of the electronic bill management system 1400 is operated in accordance with the transfer registration process (3) 14103.

The participant system (assignee 1: 1100) receives, from the input device 2102, a participant ID 3010, a participant password 3020, and a range of amounts of electronic bills to be transferred. Here, the range of the amount of the electronic bill to be transferred is a range which can take the amount of the sum of the electronic bills to be transferred and designates it according to two numerical values, a minimum value and a maximum value. The participant system (assignee 1: 1100) transmits the input participant ID 3010, the participant password 3020, and the range of the amount to the electronic bill management system 1400 as the transfer amount 1401. Here, the range of the amount of electronic bills to be transferred may be a numerical value which designates either the minimum value or the maximum value.

When the electronic bill management system 1400 receives the transfer amount 1401, the participant ID 3010 matching the participant ID 3010 and the participant password 3020 received from the participant DB 1401, the participant pass, and the word ( Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. Hereinafter, in the description of the flow of the present embodiment, the process is referred to as authentication processing in the electronic bill management system 1400. Next, the electronic bill management system 1400 retrieves the electronic bill information 4000 which is the participant ID 3010 which the assignee ID 4030 received by the transferee 1401 from the bill DB 1402. If the matching electronic bill information 4000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 combines some electronic bill information 4000 among all the electronic bill information 4000 searched, and the sum of the payment amount 4060 is designated as the transfer amount 1401. The combination of electronic bill information 4000 within the range of is retrieved. This search can be performed by carrying out all combinations when the number of electronic bill information 4000 is small. In the case where the number of electronic bill information 4000 is large, for example, the electronic bill information 4000 is sorted by the size of the payment amount 4060, and the search for a combination is performed in priority with the one with the smallest payment amount 4060. By doing so, it is possible to search efficiently. The electronic bill management system 1400 stops processing when it is unable to retrieve a combination of bill information within a range of the amount designated by the transfer amount 1401. Subsequently, the electronic bill management system 1400 transmits all electronic bill information 4000 extracted as a result of the search and the participant name 3030 of the issuer to the participant system (assignee 1: 1100) as the transferable note candidate 1402. Here, when the electronic bill management system 1400 finds a plurality of combinations of the electronic bill information 4000 in which the sum of the payment amount 4060 is in the range of the amount designated as the transfer amount 1401, all of these electronic bill information ( The combination of 4000) to the participant system (transferee 1: 1100), or the combination with the smallest sum or sum of the sums among these combinations to the participant system (transferee 1: 1100). In addition, in the transfer amount 1401, when the range of the amount is not two values, the maximum value and the minimum value, but the maximum value or the minimum value, the electronic bill information information 4000 is combined in a sum larger than the minimum value or smaller than the maximum value. If the result is large, the one close to the specified maximum or minimum is given priority.

In addition, although the electronic bill management system 1400 retrieved the bill information in which the sum of the payment amount 4060 was in the range of the amount specified as the transfer amount 1401, it did not evaluate as the sum of the payment amount 4060, but other means. You may evaluate using the value which is closer to the value of an actual electronic bill. The value of the electronic bill can be carried out in the same manner as the method for determining the amount of money which is carried out by discounting a normal promissory note or by factoring the accounts receivable. For example, instead of the payment amount 4060, the issuer ID 4020 or The actual value of the electronic bill can be determined by evaluating the credit power of the ID 4040, which is this book, or the interest up to the redemption date 4080. Specifically, the electronic bill management system performs by storing the credit information coefficient 15000 shown in FIG. 15 and the interest rate. Credit-specific coefficient information 15000 records credit-specific coefficient 15100 for each credit rating 3100. The credit-specific coefficient 15100 is a number that should be placed on the payment amount 4060 to evaluate the value of the participant's electronic draft of the credit rating 3100. In the example of FIG. 15, for example, when the credit rating 3100 is "AA", "0.925" is used as the credit rating coefficient 15100. The interest rate is a numerical value representing the change in the value of the electronic bill by the number of days from the present until the redemption date 4080 of the electronic bill, and is a general loan and borrowing rate. In order to calculate the value of the electronic bill using the credit rating 3100, the credit rating 3100 of the participant information having the participant ID designated as the issuer ID 4020 or the Acer ID 4040 is examined, and the coefficient for each credit is counted. The credit-specific coefficient 15100 is obtained from the information 15000 and multiplied by the payment amount 4060. When the interest rate is used for the calculation of the value of the electronic bill, the actual interest portion multiplied by the result of the multiplication and the interest rate and the number of days from the present to the redemption date 4080 is further subtracted from the result of the multiplication.

The participant system 1 (receiver 1: 1100) that has received the assignment note candidate 1402 outputs the information of the electronic note information 4000 of all the received electronic notes to the display device 2101. In addition, the participant system (assignee 1: 1100) displays a screen for confirming whether or not to transfer the electronic bill of the displayed electronic bill information 4000, and inputs whether or not the input is allowed from the input device 2102. Receive. Here, the screen for confirming whether or not to transfer is, for example, with the electronic bill information (4000) of the displayed electronic bill, "We will transfer these electronic bills." Are you okay? ”And a button for confirmation. The participant system (assignee 1: 1100) assumes the transfer permission when the button for confirmation is the input device 2102, for example, pressed by a mouse. If no input is granted, the participant system (assignee 1: 1100) stops processing. When the input of the transfer permission is received, the participant system (assignee 1: 1100) receives the input of the participant ID 3010 of the transfer destination from the input device 2102. Subsequently, a transfer paper approval 14003 is sent to the electronic bill management system 1400. In this transfer paper approval 14003, the participant system (assignee 1: 1100) records the electronic bill information 4000 of the electronic bill received by the transfer paper candidate 1402 and the participant ID 3010 of the transfer destination. Here, the participant system (assignee 1: 1100) receives all of the electronic bill information 4000 from the electronic bill management system 1400 when a plurality of combinations of the electronic bill information 4000 are received as candidates for the transfer of notes. The information is displayed on the display device 2101, the input device 2102 receives input of the selection of which combination to allow the transfer, and all electronic bill information 4000 of the combination selected in the transfer paper approval 14003 is received. Record it.

When the electronic bill management system 1400 receives the transferable note candidate 14003 from the participant system (transferee 1: 1100), the participant ID of the transferee who received the transferable note candidate 14004 as the transferable note approval 14003 ( 3010) to the participant system (assignee 2: 1100). In this transfer paper candidate 14040, the electronic paper information 4000 received by the transfer paper approval 14003 and the participant's name 3030 of the issuer of the electronic paper information 4000 are recorded, and the participant system (assignee 2: 1100) is recorded. To send).

The participant system (assignee 2: 1100) that has received the assignment note candidate 14004 outputs the information of the electronic note information 4000 of all the received electronic notes to the display device 2101. In addition, the participant system (assignee 2: 1100) displays a screen for confirming whether or not to transfer the electronic bill of the displayed electronic bill information 4000, and inputs positive or negative input from the input device 2102. Receive. Here, the screen for confirming whether or not to receive the transfer is, together with the electronic bill information (4000) of the displayed electronic bill, for example, "We accept these electronic bills. Are you okay? ”And a button for confirmation. The participant system (Assignee 2: 1100) sets the pumping permission when the button for confirmation is the input device 2102, for example, pressed by a mouse. If the input of the pumping permission is not received, the participant system (assignee 2: 1100) stops processing. When the participant system (acquisitioner 2: 1100) receives an input of the pumping permission, the participant system (transferee 2: 1100) transmits the transferable note approval (14005) to the electronic note management center 1400.

The electronic bill management system 1400, upon receiving the transferable note approval 1405, confirms the execution of the transfer of the electronic bill, and performs the transfer of the right of the electronic bill. Here, the participant ID of the assignee is the participant ID 3010 transmitted in the transfer amount 1401, and the participant ID of the transfer destination is the participant ID of the transfer party sent in the transfer note approval 14003. In addition, it is set as the bill ID 4010 of the electronic bill information 4000 received by the transfer paper approval 14003 as the bill ID 4010 of the electronic bill to be transferred. Registration of assignment first retrieves electronic bill information 4000 of the electronic bill to be transferred from the bill DB 1402 by a bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, an additional ID 4040, which is Ecer, is recorded and used as an assignee participant ID. At this time, if the ID 4040 which is the last recorded currently is the ID (n) 4040 which is the Eser, it is recorded in the ID (n + 1) 4040 which is Ecer. Subsequently, the transferee ID 4030 is rewritten to record the participant ID of the transfer destination. In accordance with the above, the process of transfer of the electronic bill is completed, and the change of the assignee of the electronic bill is registered in the electronic bill management system 1400.

After changing the assignee of the electronic bill, the electronic bill management system 1400 transmits the transfer result notification 1406 to the participant system (1: 1100). This transfer result notification 1406 includes electronic bill information 4000 of all electronic bills subject to transfer. Specifically, the electronic bill information 4000 of all the electronic bills to be transferred is retrieved from the bill DB 1402, and the contents thereof are recorded in the transfer result notification 11008. The participant system (assignee 1: 1100) receiving the transfer result notification 1406 displays the electronic bill information 4000 recorded in the transfer result notification 1406 as the information of the electronic bill that has been transferred to the display device 2101. do.

Next, a fourth embodiment of the present invention will be described. The fourth embodiment is another embodiment for the processing of the transfer of the electronic bill in the first embodiment. The difference from the first embodiment is that the participant system after receiving the owned note list 8002 from the electronic note management system 1400 and then transmitting the transferable tone candidate 8003 to the electronic note management system 1400. (Transfer 1: 1100). Here, in the first embodiment, the participant system (assignee 1: 1100) displays the candidate selection screen 9000 shown in FIG. 9 on the display device 2101, and transfers the candidate candidate 9006 from the input device 2102. In the present embodiment, the input of a range of money is received without the input of the transfer candidate 9006, and the participant system (assignee 1: 1100) transfers based on it. Create candidates for pairs of electronic bills.

Specifically, the participant system (assignee 1: 1100) receives the list of owned notes 8002 and then performs the following processing. First, the participant system (assignee 1: 1100) receives input of a range of amounts of electronic bills to be transferred from the input device 2102. Here, the range of the amount of the electronic bill to be transferred is a range which can take the amount of the sum of the electronic bills to be transferred, and is designated by two numerical values, a minimum value and a maximum value. Subsequently, in the third embodiment, the participant system (assignee 1: 1100) is determined by the electronic bill management system 1400 in the third embodiment, the amount of payment 4060 of the sum of the electronic bills, or the amount of credits of the issuer or the other person, or the repayment date 4080. Electronic bills so that the sum of the amounts of electronic bills is in the range of the amount of electronic bills to be transferred, just as the electronic bill is searched so that the amount reduced by the amount of interest by the number of days up to is the range of the amount of electronic bills to be transferred Search for. Here, when a pair of electronic bills which is a range of the amount of electronic bills to be transferred is not found, the participant system (assignee 1: 1100) stops processing. Subsequently, the participant system (assignee 1: 1100) transmits the assignment tone candidate 8003 to the electronic bill management system 1400 based on the search result. Specifically, the participant system (assignee 1: 1100) is assigned to each combination of a plurality of electronic bills obtained as a result of searching the electronic bill so that the total amount of the electronic bills to be paid is 4060. On the other hand, the note ID 4010 of the electronic bill is transmitted as a pair. When a combination of a plurality of electronic bills is found as a result of the search, information on the combination of the electronic bills is displayed on the display device 2101, and a selection among them is received from the input device 2102, and one of the electronic bills is selected. For the combination only, the note ID 4010 of the electronic bill may be the transferred note candidate 9003. As mentioned above, the participant system (assignee 1: 1100) performs a process and transmits the transfer tone candidate 8003. Regarding the other processing, the participant system (assignee 1: 1100), the participant system (assignee 2: 1100), and the electronic bill management system 1400 perform the same processes as those in the first embodiment.

Next, a description will be given of a processing flow for transferring electronic bills in the fifth embodiment with reference to FIG. As shown in FIG. 16, the transfer of electronic bills is carried out in the participant system (transferee 1: 1100) by storing the transfer of speech (4) (16101), and by the participant system (transferee 2: 100). (16102), the transfer registration process (4) 16103 is stored in the electronic bill management system 1400, and the transfer assistance process 16104 and the amount determination process 15105 are stored in the financial institution system 1500. Do it. Thereafter, in the present processing flow, the operation of the participant system (transferee 1: 1100) operates according to the order shown in the speech transfer process (4) 16101, and the operation of the participant system (transferee 2: 1100) is positive The operation of the electronic bill management system 1400 is assumed to operate in accordance with the transfer registration process (4) 16103, and the operation of the financial institution system 1500 is transferred. It is assumed that the operation is performed in accordance with the auxiliary processing 16104 and the amount of money determination processing 16105. This processing flow transmits electronic bill information 4000 of electronic bills which are candidates for transfer to the financial institution system 1500 when transferring electronic bills, and calculates the estimated amounts of these electronic bills from the financial institution system ( By the transmission by 1500), it is for efficiently selecting electronic bills in both of the electronic bills.

The participant system (Assignee 1100) receives an input of a participant ID 3010 and a participant password 3020 from the input device 2102. The participant system (1) 1100 transmits the received participant ID 3010 and participant password 3020 to the electronic bill management system 1400 as the owned note list request 16001.

When the electronic bill management system 1400 receives the owned bill list request 16001, the participant ID 3010 and the participant password that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. In the following description of the flow of the present embodiment, the process is referred to as authentication processing in the electronic bill management system 1400. Subsequently, the electronic bill management system 1400 transmits the owned bill list 16002 to the participant system (assignee 1: 1100) similarly to the preparation and transmission of the owned note list 8002 in the first embodiment.

When the participant system (assignee 1: 1100) receives the list of owned notes 16002, it displays the candidate selection screen 12000 shown in FIG. The content to be displayed on the candidate selection screen 12000 and the process performed by the participant system (assignee 1: 1100) displaying the candidate selection screen 12000 are the same as those in the second embodiment. However, the transfer candidate 12005 is a field for the participant terminal (assignee 1: 1100) to receive input of the transfer candidate of the electronic bill from the operator, but unlike the second embodiment, the side receiving the transfer is the participant terminal (assignee). 1: 1100 does not select the electronic bill received from the electronic bill designated as the transfer candidate 12005 which received the input, and transfer is always performed by the pair of electronic bills designated by the transfer candidate 12005. The participant terminal (assignee 1: 1100) receives an input of a target amount of money from the input device 2102 when the OK button 12007 is pressed by a click from the input device 2102, for example, a mouse. Here, the target amount is the amount of money that the person who transfers the electronic bill wants to make a settlement by the transfer of the electronic bill. Subsequently, the participant terminal (assignee 1: 1100) transmits the transferable note candidate 16003 to the electronic bill management system. This transfer paper candidate 16003 includes the note ID 4010 of the electronic paper selected as the transfer candidate 12005, the participant ID 3010 and the input device 2102 of the transfer destination input to the transfer destination selection box 12008. It has a target amount received from it.

When the electronic bill management system 1400 receives the transfer paper candidate 160303 from the participant system (assignee 1: 1100), the electronic paper management system 1400 transmits the transfer paper candidate 16004 to the financial institution system 1500. Here, the transmission destination is received by the financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received by the owned bill list request 16001 or the transfer paper candidate 16003. It is set as the financial institution system 1500 of the financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 of the transfer destination. Alternatively, prior to transmitting the transfer paper candidate 16003, the participant system (assignee 1: 1100) receives input of information (financial institution name, etc.) for specifying the financial institution system 1500, and transfers it to the transfer paper candidate 16003. Together with the electronic bill management system 1400, the electronic bill management system 1400 may use the information as a transmission destination of the transferable note candidate 1604. This transfer paper candidate (16004) includes a note ID (4010) from the note DB (1402) for the candidate of each transferable note recorded in the transfer paper candidate (16003) received from the participant system (assignee 1: 1100). The electronic bill information 4000 is retrieved and the contents thereof are recorded. In addition, for each draft of the draft to be transferred to the draft candidate 1604, the participant DB 1301 is retrieved by searching for the participant DB 1401 by the issuer ID 4020 of the electronic bill information 4000 as the issuer name. Extract and record. In addition, for each draft of the draft to be transferred to the draft candidate 1604, the participant DB 1401 is searched by the ID 4020, which is the title of the electronic bill information 4000, as the name of the drafter, and the participant name 3030. Extract it and record it.

When the financial institution system 1500 receives the transfer paper candidate 1604 by the transfer assistance process 16104, the electronic bill information of the electronic bill included in the transfer paper candidate 16104 received in the amount determination process 16105 is preferred. (4000), the name of the issuer, and the name of the name of the other party, the amount of each electronic bill is evaluated, and the result is received. Here, the amount determination processing 16105 is a process of evaluating and outputting the amount of electronic bill when the electronic bill information 4000 of the electronic bill is received as an input. In addition, the transfer assistance process 16104 evaluates the amount of each electronic bill by the amount determination processing 16105 which is usually present in the same system, but the other financial institution system ( The amount of money may be determined by the amount of money determination process 16105 of 1500). This can be done, for example, by using a monetary determination process 16105 of a financial institution system 1500 at a different branch where the financial institution has a deal with the issuer of the electronic bill or with this issuer. It is done to evaluate and decide.

Next, the processing of the amount of money determination processing 16105 will be described. The first method of determining the amount of money in the amount determining process 16105 is a method of automatically determining the amount of payment 4040 of the received electronic bill information 4000 as it is. The second method of determining the amount of money in the amount determination processing 16105 is the issuer, similar to the processing of the electronic bill management system 1400 described in the third embodiment with respect to the payment amount 4060 of the received electronic bill information 4000. It is a method of automatically determining the amount of money based on the participant's credit rating 3100, credit information (15000), and interest rate, which are specified by ID or ESE ID. At this time, the credit rating 3100, the credit counting information 15000, and the interest rate are stored in the financial institution system 1500 separately from the electronic bill management system 1400, and used. In addition, in the participant information 3000 which is available, the amount of money of the participant whose creditworthiness 3100 specified by the publisher ID 4020 or the second ID 4040 of the received electronic bill information 4000 is not recorded. If it cannot be determined, the financial institution system 1500 requests the determination of the amount of money from another financial institution, such as another branch of the financial institution. This sends the electronic bill information 4000 of the electronic bill, the issuer name, and the name of the bookholder to the amount-determination process 16105 of the other point which becomes the sender, and receives the output of the amount of the electronic bill determined by the sender, The received amount is recorded as the amount of electronic bill. Here, the place requesting the determination of the amount of money is specified by, for example, the financial institution account 3050 of the participant information 3000 specified by the issuer ID 4020 of the electronic bill information 4000 or the second issuer ID 4040. Being a financial institution. The third method of determining the amount of money in the amount determining process 16105 is that the financial institution system 1500 displays the amount determining screen 17000 shown in FIG. 17 on the display device 2101 and receives an input of the amount of money from the operator. to be. The amount determination screen 17000 is the note information for which the amount of money is to be determined, including the bill ID 4010, the issuer name 17001, the name of the book holder (17003), the payment amount 4060, the issue date 4070, and the repayment date 4080. Is displayed. Here, the issuer name 17001 is the issuer name of the electronic bill received from the electronic bill management system as the transferable note candidate 1604. In addition, the name of the letter of signature (17003) is the name of the letter of electronic bill received from the electronic bill management system as the transferable note candidate (0404). The amount of money 17004 is a field for receiving and displaying an input amount of the displayed electronic bill from the input device 2102. When the operator of the financial institution system 1500 performing the processing fails to determine the amount of money, the transfer destination 17005 requests the financial institution system 1500 of the client to request the determination of the amount of money from another branch of the financial institution. This field is used to specify. If the OK button 17005 is selected by the input device 2102 after receiving the input of the amount of money 17004 or the transfer destination 17005, if the amount of money 17004 has been entered, the amount of money 17004 is determined by the electronic bill. Determined by the amount. When the transfer destination 17005 is input, the amount of the electronic bill is determined by another financial institution system 1500, and the amount determination processing 16105 of the financial institution system 1500 specified by the transfer destination 17005 is performed. ), The electronic bill information 4000 of the electronic bill, the issuer name, and the name of the other person are transmitted. The financial institution system 1500 records the received amount as the amount of the electronic bill when the other financial institution system 1500 specified by the transfer destination 17005 receives the output of the determined amount of the electronic bill. As a result, the amount of money of the electronic bill is determined and output, and the amount of money determination processing 16105 ends. The transfer assistance process 16104 in which the amount of all electronic bills has been determined by the amount determination processing 16105 sums the amounts of all the electronic bills and adds the amount of electronic bills specified by all the bill information received by the transfer note candidate 1604. Find the total amount. After determining the amount of money, the financial institution system 1500 then transmits the amount obtained as the estimated amount 1605 to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the estimated amount 1605 from the financial institution system 1500, the participant identified by the participant ID 3010 that has received the estimated amount 16006 in the owned bill list request 16001. Send to the system (Assignee 1100). Estimated amount 16006 includes the amount recorded in estimated amount 1605 received from financial institution system 1500.

When the participant system 1 (1100) receives the estimated amount 1602, the participant system 1100 displays the amount recorded in the estimated amount 1602 on the display device 2101. Subsequently, the participant system (assignee 1: 1100) transmits the transfer approval 16007 to the electronic bill management system 1400 when receiving the input of the transfer approval from the input device 2102. Here, the input of approval of transfer is performed by displaying a button for approval on the display device 2101 and pressing it with the mouse, for example, the input device 2102. The participant system (assignee 1: 1100) stops processing if there is no input of approval of the transfer.

When the electronic bill management system 1400 receives the assignment approval 16007 from the participant system (assignee 1: 1100), the participant ID of the transfer destination that received the assignment note candidate (0808) as the transfer note candidate (16003) 3010) to the participant system (assignee 2: 1100). The draft paper candidate 16008 includes electronic bill information 4000 received as the paper draft candidate 16003 and the participant's name 3030 of the issuer, as well as the target amount and estimated amount 16005 received as the paper draft candidate 16003. The amount of the electronic bill received by the user is recorded and transmitted to the participant system (Assignee 2: 1100).

When the participant system (transferee 2: 1100) receives the transfer paper candidate (16008), the display device 2101 displays the electronic paper information 4000, the issuer name, the target amount of money, and the estimated amount of money (16005). . Subsequently, when the participant system (assignee 2: 1100) receives an input of the approval of the transfer from the input device 2102, the participant system (1602) transmits the transfer approval (16009) to the electronic bill management system 1400. Here, the input of approval of transfer is performed by displaying a button for approval on the display device 2101 and pressing it with a mouse, for example, the input device 2102. The participant system (Assignee 2: 1100) stops processing if there is no input of approval of the transfer.

Upon receipt of the transfer approval 16009, the electronic bill management system 1400 assumes that the execution of the transfer of the electronic bill has been confirmed, and performs the transfer of the right of the electronic bill. Here, the participant ID of the transferee is the participant ID 3010 sent to the owned bill list request 16001, and the participant ID of the transfer destination is the participant ID of the transfer destination sent to the candidate for the draft note 16003. The note ID 4010 of the electronic bill to be transferred is assumed to be all the note IDs 4010 included in the note candidate for transfer. Registration of a transfer first retrieves the electronic bill information 4000 of the electronic bill to be transferred from the bill DB 1402 by a bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, one additional recorder ID 4040 is recorded to be a participant ID of the transferee. At this time, if the ID 4040, which is the last recorded currently, is ID (n) 4040, which is Ecer, it is recorded in ID (n + 1) 4040, which is Ecer. Next, the transferee ID 4030 is rewritten to record the participant ID of the transfer destination. As described above, the process of transferring the electronic bill is completed, and the change of the assignee of the electronic bill is registered in the electronic bill management system 1400.

The electronic bill management system 1400 which has transferred the rights of the electronic bill then transmits the difference settlement request 16010 to the financial institution system 1500. The difference settlement request (16010) finances the difference between the target amount received from the participant system (assignee 1: 1100) as the candidate for the paper draft (16003) and the amount received from the financial institution system (1500) as the estimated amount (16005). It is the notification for sending to the engine system 1500, and requesting the payment of the difference. The financial institution system 1500 to which the difference settlement request 16010 is notified is a financial institution designated by the financial institution account 3050 obtained by retrieving the participant information 3000 with the participant ID of the transferee of the electronic bill or the electronic. A financial institution system 1500 of a financial institution designated by a financial institution account 3050 obtained by retrieving the participant information 3000 by the participant ID of the paper transfer destination, for example, which is to pay as a result of calculating the difference. It transmits to the financial institution system 1500 which is designated by the financial institution account 3050 of the participant information 3000 of the side. The difference settlement request (16010) includes the amount of the difference, the information of the financial institution account (3050) to pay the amount and the information of the financial institution account (3050) to be received.

The financial institution system 1500 that has received the difference settlement request 16010 from the electronic bill management system 1400 performs transfer of funds on the fund account DB 1501. This transfer reduces the fund account balance 5020 of the fund account information 5000 specified by the financial institution account 3050, which is to be paid, by the amount of the difference, and when the reduction is successful, it becomes the receiver. The fund account balance 5020 of the fund account information 5000 specified by the financial institution account 3050 is increased by the amount of the difference.

The electronic bill management system 1400 transmits the transfer result notification 16011 to the participant system (transferee 1: 1100) after the difference is settled. This transfer result notification 16001 includes note information of all electronic papers to be transferred. Specifically, the electronic bill information 4000 of all the electronic bills to be transferred is retrieved from the bill DB 1402, and the contents and the difference of the money settlement are recorded in the transfer result notification 16011. The participant system (assignee 1: 1100) receiving the transfer result notification 16011 receives the electronic bill information 4000 recorded in the transfer result notification 16001 as the information of the electronic bill transferred to the display device 2101, and the difference. The amount of money is displayed.

Next, a sixth embodiment of the present invention will be described. The sixth embodiment is a form of processing for a discount of electronic bills. Here, discount of electronic bill means that participant designated by ID 4030 which is assignee in electronic bill information 4000 transfers the right to receive future funds by the electronic bill which he owns from financial institutions, etc. The act of receiving payment of funds. Thereafter, the person who makes a discount on the electronic bill owned is assumed to be the holder. In the sixth embodiment, the holder selects the electronic bill to which the discount is made, the financial institution determines the amount of the total payment for it, and the electronic bill by the discount after the holder of the electronic bill approves the amount. The transfer of funds and the payment of funds. The details of the sixth embodiment will be described below.

A processing flow for discounting electronic bills in the sixth embodiment will be described with reference to FIG. As shown in FIG. 18, in the present embodiment, as shown in FIG. 18, the discount request processing (1) 18101 is stored in the participant system (assignee 1: 1100), and the discount is registered in the electronic bill management system 1400. The processing (1) 18102 is stored, and the discount execution processing (1) 18103 and the amount determination processing 16105 are stored in the financial institution system 1500 and executed. Subsequently, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the order shown in the discount request processing (1) 18101, and the operation of the electronic bill management system 1400 performs the discount registration processing. (1) 18102, and the operation of the financial institution system 1500 shall operate according to the discount execution processing (1) 18103 and the amount determination processing 16105.

The participant system (assignee 1100) receives input of the participant ID 3010 and the participant password 3020 from the input device 2102. The participant system (assignee 1100) transmits the input participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as the owned note list request 18001.

When the electronic bill management system 1400 receives the owned bill list request 18001, the participant ID 3010 and the participant password matching the participant ID 3010 and the participant password 3020 received from the participant DB 1401. Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 transmits the owned bill list 18002 to the participant system (assignee 1: 1100), similarly to the preparation and transmission of the owned bill list 8002 in the first embodiment.

When the participant system 1 (1100) receives the list of owned notes 18002, the participant system 1100 displays a discount candidate selection screen on the display device 2101. Here, the discount candidate selection screen is almost the same as the candidate selection screen shown in FIG. 12, but there is no transfer destination selection box 12008, and a discount candidate is input from the input device 2102 instead of the transfer candidate 12005. It has a column for selecting by input. Here, the discount candidate means designation of an electronic bill as a candidate for discount. The participant system (assignee 1: 1100), if the OK button displayed on the display device 2101 is selected by the input device 2102 with the selection of one or more discount candidates from the input device 2101, the electronic bill management The discount draft candidate 18003 is sent to the system 1400. Here, the note ID 4010 of the electronic paper selected as the transfer candidate is recorded in the discount paper candidate 18003.

When the electronic bill management system 1400 receives the discounted note candidate 1803 from the participant system (assignee 1: 1100), the electronic bill management system 1400 transmits the discounted note candidate 18004 to the financial institution system 1500. Here, the transmission destination is a financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received in the owned bill list request 18001. Alternatively, before transmitting the discounted note candidate 18003, the participant system (assignee 1: 1100) receives an input of information (financial institution name, etc.) for specifying the financial institution system 1500, and sends it to the discounted note candidate 18003. The electronic bill management system 1400 may be transmitted together, and the electronic bill management system 1400 may use the information as a transmission destination of the transferable note candidate 18004. In this discounted note candidate 1804, a bill DB 1402 is applied by the note ID 4010 to the candidate of the note for which the discount is recorded in the discounted note candidate 1801 received from the participant system (assignee 1: 1100). ), The electronic bill information 4000 is retrieved and the contents thereof are recorded. In addition, the candidate for discounted note 1804 searches for the participant DB 1401 by the issuer ID 4020 of the electronic bill information 4000 as the issuer name for each electronic draft that is a candidate for discount. Extract and record). The candidate for discounted note 1804 is searched for the participant DB 1401 by the ID 4020, which is the letter of the electronic bill information 4000, as the name of the letter for each electronic bill that is a candidate for discount. Extract and record).

When the financial institution system 1500 receives the discount note candidate 18004 by the discount execution process (1) 18103, the financial institution system 1500 first of the electronic bill included in the discount note candidate 18104 received in the amount determination process 16105. The electronic bill information 4000, the name of the issuer, and the name of the bookholder are notified, the amount of each electronic bill is evaluated, and the result is received. The contents of the processing of the amount of money determination processing 16105 are the same as in the fifth embodiment. The discount execution process (1) 18103, which has determined the evaluation of the amount of all electronic bills by the amount determination processing 16105, then sums the amounts of all the electronic bills, and with all the bill information received by the discount note candidate 18004. The sum of the designated electronic bills is obtained. The financial institution system 1500 that determined the amount of money then transmits the calculated amount to the electronic bill management system 1400 as the total amount of payment 1801.

When the electronic bill management system 1400 receives the total payment amount 180505 from the financial institution system 1500, the electronic bill management system 1400 identifies the total payment amount 1806 0 with the participant ID 3010 that has received the owned bill list request 18001. To the participant system (assignee 1: 1100). The total payment amount 1801 includes an amount recorded in the total payment amount 180505 received from the financial institution system 1500.

When the participant system 1 (1100) receives the total payment amount 1806, the participant system 1100 displays the amount of money recorded in the total payment amount 180606 on the display device 2101. Subsequently, the participant system (assignee 1: 1100) transmits the payment amount approval 18007 to the electronic bill management system 1400 when receiving the input of the approval of the discount from the input device 2102. The input of the approval of the discount is performed by displaying a button for approval on the display device 2101 and pressing it with the mouse, for example, the input device 2102. The participant system (assignee 1: 1100) stops processing if there is no input of approval of the discount.

Upon receipt of the payment amount approval 18007, the electronic bill management system 1400 assumes that the execution of the discount of the electronic bill has been performed, and performs the processing of the discount of the electronic bill. In the processing of the discount of the electronic bill, the electronic bill to the financial institution that sent the total payment amount 180505 is transferred and the money is settled. Here, the participant ID 3010 that specifies the financial institution that sent the participant ID of the transferee to the owner's note list request 18001 and sent the total payment amount 18005 to the participant ID of the transfer destination. Shall be. In addition, it is assumed that all paper IDs 4010 included in the discount paper candidates 18003 are the paper IDs 4010 of the electronic paper to be transferred. Registration of assignment first retrieves electronic bill information 4000 of the electronic bill to be transferred from the bill DB 1402 by a bill ID. Here, the following processing is performed on each electronic bill information 4000 extracted by the search. First, an additional ID 4040, which is a letter, is recorded and used as a participant ID of the transferee. At this time, if the ID 4040 which is the last recorded currently is the ID (n) 4040 which is the Eser, it is recorded in the ID (n + 1) 4040 which is Ecer. Subsequently, the assignee ID 4030 is rewritten and the participant ID of the transfer destination is recorded. As described above, the process of transferring the electronic bill is completed, and the change of the assignee of the electronic bill is registered in the electronic bill management system 1400.

The electronic bill management system then sends the payment amount authorization 18008 to the financial institution system 1500. The payment amount approval (18008) informs the participant system (assignee 1) of the total amount of payment (18005) by the total amount of payment (18006), and then the electronic bill management system (1400) receives the payment amount of approval (18007). The received information is for contacting the financial institution system 1500.

The financial institution system 1500 that has received the payment amount approval 18008 from the electronic bill management system 1400 makes a payment of funds to the holder on the fund account DB 1501. This payment is performed by increasing the fund account balance 5020 of the fund account information 5000 specified in the holder's financial institution account 3050 by the amount sent by the total discount amount 1801.

Next, a seventh embodiment of the present invention will be described. The seventh embodiment is a form of processing for discounting electronic bills. In the seventh embodiment, the electronic bill holder of the electronic bill selects the discounted bill, the financial institution determines the amount of payment for the individual electronic bill, and the electronic bill approved by the holder of the electronic bill. Only transfer of the right of electronic bill by discount and payment of money are carried out.

Hereinafter, details of the seventh embodiment will be described.

A processing flow for discounting electronic bills in the seventh embodiment will be described with reference to FIG. As shown in Fig. 19, in the present embodiment, as shown in Fig. 19, the discount request processing (2) 19101 is stored in the participant system (assignee 1: 1100), and the discount is registered in the electronic bill management system 1400. The processing (2) 19102 is stored, and the discount execution processing (2) 19103 and the amount determination processing 16105 are stored in the financial institution system 1500 and executed. Subsequently, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the order shown in the discount request processing (2) 19101, and the operation of the electronic bill management system 1400 performs discount registration processing. (2) 19102, and the operation of the financial institution system 1500 operates according to the discount execution process (2) 19103 and the amount determination process 16105. FIG.

The participant system (Assignee 1100) receives an input of a participant ID 3010 and a participant password 3020 from the input device 2102. The participant system (assignee 1100) sends the received participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as the owned bill list request 19001.

When the electronic bill management system 1400 receives the owned bill list request 19001, the participant ID 3010 and the participant password that match the participant ID 3010 and the participant password 3020 received from the participant DB 1401. Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 transmits the owned bill list 19002 to the participant system (assignee 1: 1100), similarly to the preparation and transmission of the owned note list 8002 in the first embodiment.

When the participant system (transfer assignee 1100) receives the list of owned notes 19002, the list of owned notes 19002 is received in the same manner as in the sixth embodiment in which the list of owned notes 18002 is received and the discounted note candidate 18003 is transmitted. ), The candidate with the discounted bill 19003 is transmitted to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the discounted bill candidate 19003 from the participant system (assignee 1: 1100), the electronic bill management system 1400 receives the discounted bill candidate 18003 and transmits the discounted bill candidate 18004. Similarly, the discount draft candidate 19004 is transmitted to the financial institution system 1500.

When the financial institution system 1500 receives the discounted bill candidate 19004 by the discount execution process (2) 19103, the financial institution system 1500 first of the electronic bill included in the discounted bill candidate 19004 received in the amount determination process 16105 is performed. The electronic bill information 4000, the name of the issuer, and the name of the bookholder are notified, the amount of each electronic bill is evaluated, and the result is received. The contents of the processing of the amount of money determination processing 16105 are the same as in the fifth embodiment. The discount execution process (2) 19103, which has determined the amounts of all electronic bills by the amount determination processing 16105, then displays a list of payment amounts as the post-discount payment amount to be paid to the holder when the amounts of all electronic bills have been discounted. 19005, and the electronic bill management system 1400.

When the electronic bill management system 1400 receives the list of payment amounts 19005 from the financial institution system 1500, the electronic bill management system 1400 identifies the participant ID 3010 that has received the list of payment amounts 19006 as the owned note list request 19001. To the participant system (assignee 1: 1100). The list of payment amounts 19006 includes the electronic bill information 4000 of the electronic bill selected as the candidate for discount bill 19003, the post-discount payment amount for the electronic bill received in the list of payment amounts 19005, and each electronic bill. The issuer's name 3030 of the publisher.

Upon receipt of the list of payment amounts 19006 from the electronic bill management system 1400, the participant system (assignee 1: 1100) determines, among electronic bills of the electronic bill information 4000 included therein, which electronic bill discount is to be executed. do. The determination of the note to execute this discount is made by one of the following two methods.

A first method of determining a note for executing a discount is that the participant system 1 (1100) receives input of a discount target amount from the input device 2102 and based on the discount target amount of money. 1100 determines the electronic draft to execute the discount. Here, the discount target amount is a range of the amount to be paid by the discount of the electronic bill, which is specified by two values, a minimum value and a maximum value. The participant system (assignee 1: 1100) received in the list of payment amounts 19006, as in the third embodiment, the electronic bill management system 1400 selected the electronic bill in the range of the amount received by the transfer amount 1401. The electronic bill is selected so that the sum of the paid amounts after the discount of the electronic bill falls within the range of the amount received from the input device 2102. A second method of determining the note for which the discount is to be executed is a method of displaying the discount note determination screen 20000 shown in FIG. 20 on the display device 2101 and receiving input of selection of an electronic bill for discounting from the operator. On the discounted note determination screen (20000), the bill ID 4010 is assigned to the bill ID 20001 from the electronic bill information 4000 of the electronic bill received in the list of payment amounts 19006, and the paid amount 4060 is paid. ), The repayment date 4080 is displayed on the repayment date 20004, the participant name of the issuer is displayed on the issuer 20002, and the post-discount payment amount 2005 determined by the financial institution system 1500 is also displayed. In addition, a selection box of the electronic bill for discounting is provided as a discount selection 2006 having a selection box 2007 in the same manner as the input of the transfer candidate 12005 in FIG. 12. As a second method of determining the bill for which the discount is to be executed, when the OK button 2008 is pressed by the input device 2102, the electronic bill in which the selection box 2007 is selected is the object of the discount.

The participant system (assignee 1: 1100) that has determined the electronic bill for discounting by any of the two methods described above selects the bill ID 4010 of the electronic bill for discount as a result of the discount bill selection (19007). As a result, it transmits to the electronic bill management system 14000.

Upon receipt of the discounted note selection 19007, the electronic bill management system 1400 confirms that the execution of the discount of the electronic bill is confirmed, and performs the processing of the discount of the electronic bill.

This discount processing is similar to the sixth embodiment, but the transfer of electronic bills to the financial institution that has sent the list of payment amounts 19005 and the settlement of funds, but the electronic bill of the electronic bill ID received by the discount bill selection 19007 Only do it. When the electronic bill management system 1400 registers the transferee's change with respect to the electronic bill of the electronic bill ID received by the discount bill selection 19007, the electronic bill management system 1400 transmits the discount bill selection 19008 to the financial institution system 1500. do. In the discounted note selection 19008, the note ID of the electronic bill received by the discounted note selection 19007 from the participant system (assignee 1: 1100) is recorded.

The financial institution system 1500 that has received the discounted bill selection 19008 from the electronic bill management system 1400 makes a payment of funds to the holder on the fund account DB 1501. This payment specifies the amount of post-discount payments sent to the list of payment amounts 19005 for the electronic bills of each of the paper IDs 4010 received by the discount bill selection 19008, in the holder's financial institution account 3050. This is performed by adding the fund account balance 5020 of the fund account information 5000 to be used.

Next, an eighth embodiment of the present invention will be described. The eighth embodiment is a form of processing for discounting electronic bills. In this eighth embodiment, when the holder notifies the amount of money to be obtained by the discount, the financial institution selects the electronic bill satisfying the amount, and after the holder approves the selection, the right of the discount by the electronic bill is granted. The transfer and payment of funds are made. The details of the eighth embodiment will be described below.

A processing flow for discounting electronic bills in the eighth embodiment will be described with reference to FIG. As shown in FIG. 21, in the present embodiment, as shown in FIG. 21, the discount request processing (3) 21101 is stored in the participant system (assignee 1: 1100), and the discount is registered in the electronic bill management system 1400. The processing (3) 21102 is stored, and the discount execution processing (3) 21103 and the amount determination processing 16105 are stored in the financial institution system 1500 and executed. Subsequently, in this processing flow, the operation of the participant system (assignee 1: 1100) operates according to the order shown in the discount request processing (3) 21101, and the operation of the electronic bill management system 1400 performs the discount registration processing. (3) 21102, and it is assumed that the financial institution system 1500 operates in accordance with the discount execution process (3) 21103 and the amount determination process (16105).

The participant system (assignee 1: 1100) receives an input of the participant ID 3010, the participant password 3020, and the target amount of money from the input device 2102. Here, the target amount of money is a target of the amount of money that is to be obtained by discounting the electronic bill owned, and the range of the amount of money is specified by the minimum value and the maximum value. The participant system (assignee 1: 1100) transmits the input participant ID 3010, the participant password 3020, and the target amount as the amount notification 21001 to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the amount notification 21001, the participant ID 3010 and the participant password 3020 matching the participant ID 3010 and the participant password 3020 received from the participant DB 1401. Search for participant information 3000 that has: If the matching participant information 3000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 searches the bill DB 1402 and searches the electronic bill information 4000 in which the participant ID received by the amount notification 21001 and the assignee ID 4030 match. In addition, the participant DB 1401 includes a participant name 3030 of the publisher corresponding to each of the publisher ID 4020 and the eseod ID 4030 of the electronic bill information 4000 extracted as a result of the search. Search from the participant information 3000 to which the participant ID 3010 matches. Subsequently, the electronic bill management system 1400 transmits the note and amount notification 21002 to the financial institution system 1500. The amount notification 21002 includes a target amount recorded in the amount notification 21001 received from the participant system (assignee 1100), the retrieved electronic bill information 4000, the participant name 3030 of the issuer, and the bookholder. Record the participant's name (3030). Here, the transmission destination is a financial institution system 1500 of a financial institution designated by the financial institution account 3050 of the participant information 3000 specified by the participant ID 3010 received in the amount notification 21001. Alternatively, before sending the amount notification 21001, the participant system (assignee 1: 1100) receives input of information (financial institution name, etc.) for specifying the financial institution system 1500, and transmits it together with the amount notification 21001. It is transmitted to the note management system 1400, and the electronic note management system 1400 may use the information as a destination of the note / amount notification 21002.

When the financial institution system 1500 receives the paper / money amount notification 21002 by the discount execution processing (3) 21103, the electronic institution included in the paper / money amount notification 21002 received in the amount-of-money determination process 16105 first. The electronic bill information 4000 of the paper, the issuer name, and the name of the book owner are notified, the amount of money of each electronic bill is evaluated, and the result is received. The processing contents of the price determining processing 16105 are the same as in the fifth embodiment. The discount execution process (3) 21103 in which the amount of all electronic bills has been determined by the amount determination process 16105 is based on the sum of the amounts of money obtained by the amount determination process 16105 from the plurality of electronic bill information 4000. A set of electronic bill information 4000 is searched which becomes the range of the amount of money indicated by the target amount of money received in the notification 21002. Here, the electronic bill information 4000 which is the range of the amount of money is searched as in the third embodiment as if the electronic bill management system searched the electronic bill so as to be included in the range of the specified amount of money. However, in the third embodiment, the combination was calculated based on the price obtained by subtracting the amount according to interest or credit from the payment amount 4060 or the payment amount 4060. However, in the selection of the electronic bill to be discounted, the discount is obtained. The loss to the assignee should be made smaller among a plurality of combinations in which the amount of the funds falls within the target amount. That is, when there are a plurality of combinations of electronic bills that fall within the target amount of money, in each of these combinations, the amount of payment of the electronic bill included 4060 and the financial institution used for the calculation of the target amount is the amount of the electronic bill. The combination of electronic bills in which the sum of the differences in the amount of money determination processing 16105 is the smallest is selected. This is because the difference between the payment amount 4060 and the target amount is the money obtained by the assignee on the repayment date of the electronic bill unless the discount of the electronic bill is discounted. This is because it requires a larger cost. Subsequently, the financial institution system 1500 selects the total discount amount that is the sum of all electronic bill information 4000 selected by the search and the amount determined by the amount determination processing 16105 of the selected electronic bill. As a result, it transmits to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the discount candidate bill list 21003, it transmits the discount candidate bill list 21004 to the participant system (assignee 1: 1100). Here, the candidate list corresponding to the discount candidate bill 21004 corresponds to the electronic bill information 4000 recorded in the discount candidate bill list 21003, the total discount amount, and the issuer ID 4020 of the electronic bill information 4000. The persons 3030 are retrieved from the participant DB 1401 and recorded.

When the participant system (transfer assignee 1100) receives the discount candidate note 21004, the participant system (1100) displays the electronic bill information 4000, the issuer name, and the total discount amount on the display device 2101. Subsequently, when the participant system (assignee 1: 1100) receives an input of the approval of the discount from the input device 2102, the participant system 1100 transmits the discount approval 21005 to the electronic bill management system 1400. In this case, the approval of the discount is performed by displaying a button for approval on the display device 2101 and pressing it with the mouse, for example, the input device 2102. The participant system (assignee 1: 1100) stops processing if there is no input of approval of the discount.

Upon receipt of the discount approval 21005, the electronic bill management system 1400 assumes that execution of the discount of the electronic bill has been confirmed, and performs the discount of the electronic bill. The processing of the discount is similar to the sixth embodiment, but the transfer of electronic bills and settlement of funds to the financial institution that sent the bill / amount notice 21002, but the electronic bill ID received by the discount candidate bill list 21003 Only for notes. When the electronic bill management system 1400 registers the change of the assignee of the right to the electronic bill of the electronic bill ID received in the discount candidate bill list 21003, the financial institution system 1500 approves the discount (21006). Send.

The financial institution system 1500 that has received the discount approval 21006 from the electronic bill management system 1400 makes a payment of funds to the holder on the fund account DB 1501. This payment is a fund account specified by the financial institution account 3050 of the holder for the amount of money determined by the amount determination processing 16105 for each electronic bill of the note ID 4010 sent to the discount candidate note list 21003. This is done by adding the fund account balance 5020 of the information 5000.

Next, in the ninth embodiment, the processing flow for delaying repayment will be described. As shown in FIG. 22, the system configuration at the time of delay of repayment memorize | stores the repayment delay request process 30110 in the participant system (issuance agent: 1100), and the repayment delay approval process is carried out to the participant system (assignee 2: 1100). 30130 is memorize | stored, and the redemption delay acceptance process 30120 is memorize | stored in the electronic bill management system 1400, and is comprised. Moreover, the arrangement and connection form of other DB are the same as that of 1st Example shown in FIG. Subsequently, in this processing flow, the operation of the participant system (issuer: 1100) operates according to the procedure shown in the repayment delay request process 30110, and the operation of the participant system (acceptor 2: 1100) is repayment delay. It shall operate according to the procedure shown in the approval process 30130, and operation | movement of the electronic bill management system 1400 shall operate according to the procedure shown in the repayment delay acceptance process 30120.

The participant system (Publisher: 1100) receives an input of the participant ID 3010, the participant password 3020, and the redemption period from the input device 2102. Here, the repayment period is data specifying an arbitrary time interval, and for example, designation is made within one week from the same day. The participant system (publisher: 1100) transmits the input participant ID 3010, the participant password 3020, and the redemption period to the electronic bill management system 1400 as the repayment scheduled bill list transmission request 30010.

When the electronic bill management system 1400 receives the repayment scheduled bill list request 30010, the participant ID 3010 matching the participant ID 3010 received from the participant DB 1401 and the participant password 3020 and The participant information 3000 having the participant password 3020 is retrieved. If the matching participant information 3000 cannot be retrieved, the process is stopped. In the following description of the processing flow, the processing is referred to as authentication processing in the electronic bill management system 1400. When the participant information 3000 is found, the redemption received from the bill DB 1402 matches the participant ID 3010 of the participant information 3000 retrieved by the publisher ID 4020 and the redemption date 4080 has been received. All electronic bill information 4000 included in the period is searched, and the searched electronic bill information 4000 is returned to the participant system (Publisher: 1100) as the list of electronic bills scheduled to be redeemed 30020.

When the participant system (publisher: 1100) receives the list of electronic bills due to be repaid 30020, the display device 2101 displays all items of all electronic bill information 4000 included in the list of electronic bills due to be repaid. Output The participant system (Publisher: 1100) then inputs from the input device 2102 a note ID 4010 that specifies which electronic bill information 4000 of the displayed electronic bill information 4000 is required for redemption delay. After receiving the input of the post-delay repayment date which designates a new repayment date, the bill ID 4010 and the post-delay repayment date are transmitted to the electronic bill management system 1400 as the repayment delay request 30030.

When the electronic bill management system 1400 receives the redemption delay request 30030, the electronic bill management system 1400 retrieves electronic bill information 4000 having the same bill ID 4010 as the received bill ID 4010 from the bill DB 1402. do. Subsequently, the participant system 1100 identified by the ID 4030, which is the assignee of the retrieved electronic bill information 4000, has the retrieved electronic bill information 4000 and the repayment date after the received delay as the redemption delay approval request 30040. send. In the following description of the present embodiment, the redemption delay approval request 30040 will be transmitted to the participant system (assignee 2: 1100).

When the participant system (assignee 2: 1100) receives the redemption delay approval request 30040, it uses the display device 2101 to output the received electronic bill information 4000 and the repayment date after the delay. Next, the participant system (assignee 2: 1100) receives the input of the participant ID 3010 and the participant password 3020, and also, as a result of the repayment delay approval, "approval", "non-approval", "request to change the repayment date after delay" It takes either input. Here, "approval" is data indicating that the repayment delay is acknowledged, and "disapproval" is data indicating that the reverse is not acknowledged. In addition, "request to change repayment date after delay" is data indicating request to change the repayment date again, and includes date information. The date information is data specifying when to change the redemption date. Subsequently, the participant system (assignee 2: 1100) registers the participant ID (3010), the participant password (3020), the participant password (3020), and the repayment delay approval result, which received the electronic bill information (4000) received and the repayment date after the delay (30050). ) To the electronic bill management system 1400.

When the electronic bill management system 1400 receives the redemption delay approval result registration 30050, the electronic bill management system 1400 performs the above-described authentication process by the received participant ID 3010 and participant password 3020. If the authentication process fails, the process is stopped. When the authentication process is successful, it is determined whether the next redemption delay approval result received is "approve". In the case of "approval", the electronic bill information 4000 matching the received electronic bill information 4000 is searched from the bill DB 1402, and the redemption date 4080 of the searched electronic bill information 4000 is received. After changing to the repayment date after the delay, the electronic bill information 4000 updated in the bill DB 1402 is rewritten. Subsequently, when the repayment delay approval result is "approve" or "non-approval", the electronic bill management system 1400 uses the participant system (30060) as the repayment delay approval result notification 30060 received. Publisher: 1100). The participant system (assignee 2: 1100) receiving the transmission displays the received electronic bill information 4000 and the redemption delay approval result using the display device 2101.

If the repayment delay approval result is "Request for change of repayment date after delay", the received repayment delay approval result registration 30050 is transmitted to the participant system (Publisher: 1100) as the delay schedule change approval request 31010 (FIG. 23). ). When the participant system (publisher: 1100) receives the delay schedule change approval request (31010), the display device 2101 uses the display device 2101 to receive the electronic bill information 4000 and the date information included in the request for changing the redemption date after the delay. Is displayed. Subsequently, the participant system (publisher: 1100) receives input of either "approval" or "disapproval" from the input device 2102 as the repayment delay schedule change approval. Next, the participant system (publisher: 1100) transmits the redemption delay schedule change approval received from the received electronic note information 4000 as the redemption delay schedule change approval registration 31020 to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the redemption delay schedule change approval registration 31020, it determines whether the received redemption delay approval result is "approval". In the case of "approval", the electronic bill information 4000 matching the received electronic bill information 4000 is searched from the bill DB 1402, and the redemption date 4080 of the searched electronic bill information 4000 is received. After changing to date information included in the "request date change request after delay", the updated electronic bill information 4000 is rewritten into the bill DB 1402. Subsequently, the electronic bill management system 1400 transmits the received redemption delay schedule change approval registration 31020 to the participant system (assignee 2: 1100) as the redemption delay schedule change approval result notification 31030. The participant system (assignee 2: 1100) displays the received electronic bill information 4000 and the date information included in the "Request for changing the redemption date after a delay" using the display device 2101.

The ninth embodiment is summarized below. In the ninth embodiment, an electronic bill management system has been provided which has an intermediary function of a message for the issuer to apply for a delay of repayment to the assignee at the time of repayment and a registration function of a delay negotiation result. Moreover, as a function of the electronic bill management system which accompanies the said function, the function which sends the participant a list of the electronic bill which is scheduled to be repaid, and the function which mediates the change of redemption date from the assignee are realized.

Next, in the tenth embodiment, a process of issuing electronic bills in exchange for the borrowing by the issuer when the issuer borrows the funds based on the backup line will be described. This process is largely divided into a processing flow that sets a limit on the backup line that sets how much the financial institution accepts borrowing from the issuer in advance, and a processing flow that actually requires the borrower based on the backup line.

First, the processing flow for setting the limit amount of the backup line will be described. As shown in FIG. 24, the system configuration at the time of setting the limit of the backup line stores the backup line limit setting request process 32110 in the participant system (Publisher: 1100), and the electronic bill management system 1400. The backup line limit setting acceptance processing 32120 is stored, and the backup line limit setting approval processing 32130 is stored in the financial institution system 1500 and configured. Moreover, the arrangement and connection form of other DB are the same as that of 1st Example shown in FIG. Subsequently, in this processing flow, the operation of the participant system (publisher: 1100) operates according to the order shown in the backup line limit setting request process 32110, and the operation of the electronic bill management system 1400 operates the backup line limit. It is assumed that the operation is performed in the order shown in the liquid setting acceptance processing 32120, and the operation of the financial institution system 1500 is operated in the order shown in the backup line limit setting approval processing 32130.

Participant system (Publisher 1100) receives input from participant ID 3010, participant password 3020, backup line limit 3140, and backup line providing financial institution ID 3130 from input device 2102. Subsequently, the participant system (Publisher: 1100) receives the input participant ID 3010, the participant password 3020, the backup line limit 3140, and the backup line providing financial institution ID 3130 as the backup line limit setting request (32010). The electronic bill management system 1400.

When the electronic bill management system 1400 receives the backup line limit setting request 32010, the electronic bill management system 1400 has a participant ID 3010 and a participant password 3020 that match the received participant ID 3010 and the participant password 3020. Search for the participant information 3000. If the matching participant information 3000 cannot be retrieved, the process is stopped. If the participant information 3000 is found, the received participant ID 3010 and the backup line limit 3140 are backed up to the financial institution system 1500 specified by the received backup line providing financial institution ID 3130. A line limit approval request 32020 is sent.

When the financial institution system 1500 receives the backup line limit approval request 32020, the financial institution system 1500 displays the received participant ID 3010 and the backup line limit 3140 using the display device 2101. Subsequently, the financial institution system 1500 receives input of either "approval" or "disapproval" from the input device 2102 as the backup line limit approval. Subsequently, the financial institution system 1500 transmits, to the electronic bill management system 1400, a backup line limit approval result 32030 that receives the input of the received participant ID 3010 and the backup line limit 3140. .

When the electronic bill management system 1400 receives the backup line limit approval result 32030, if the received backup line limit approval is "Approve", the participant same as the participant ID 3010 received from the participant DB 1401 is received. Retrieve participant information 3000 with ID 3010. Subsequently, the backup line providing financial institution ID 3130 received from the participant system (Publisher: 1100) is stored in the backup line providing financial institution ID 3130 of the retrieved participant information 3000. In addition, the electronic bill management system 1400 stores the received backup line limit 3140 in the backup line limit 3140 of the retrieved participant information 3000. Subsequently, the electronic bill management system 1400 transmits the received backup line limit approval result 32030 as a backup line limit setting result notification 32040 to the participant system (Publisher: 1100).

When the participant system (publisher: 1100) receives the backup line limit setting result notification 32040, the participant system (publisher 1100) displays the received backup line limit approval using the display device 2101.

Next, the processing flow of the issuer requesting borrowing from the financial institution based on the backup line and issuing electronic bills in return for the request will be described with reference to FIG. 25. This processing flow stores the backup line borrowing request process 33110 in the participant system (Publisher: 1100), and the backup line borrowing acceptance process 33120 in the electronic bill management system 1400, and the financial institution system 1500. Backup line funds transfer processing 33130 is stored. Moreover, the arrangement and connection form of other DB are the same as that of 1st Example shown in FIG. Subsequently, in this processing flow, the operation of the participant system (publisher: 1100) operates according to the order shown in the backup line borrowing request process 33110, and the operation of the electronic bill management system 1400 performs the backup line borrowing acceptance process. It is assumed that the operation is performed in the order shown in 33120, and the operation of the financial institution system 1500 is operated in the order shown in the backup line funds transfer process 33130.

Participant system (Publisher: 1100) receives input of participant ID 3010, participant password 3020, and balance calculation date from input device 2102. Here, the balance calculation date is data for designating arbitrary days, for example, tomorrow. The participant system (publisher: 1100) transmits the input participant ID 3010, the participant password 3020, and the balance calculation date as the predicted balance transmission request 33005.

When the electronic bill management system 1400 receives the predicted balance transmission request 33005, the participant ID 3010 and the participant password 30 matching the participant ID 3010 and the participant password 3020 received from the participant DB 1401 ( Retrieve participant information 3000 with 3020. If the matching participant information 3000 cannot be retrieved, the process is stopped. When the participant information 3000 is found, a balance transmission request is made to the financial institution system 1500 identified by the backup line providing financial institution ID 3130 of the retrieved participant information 3000. Transmit as (33010). Hereinafter, in the description of this flow, when simply described as the participant information 3000, the searched participant information 3000 is referred to. If not found, stop processing.

When the financial institution system 1500 receives the balance transmission request 3301, the fund account information 5000 having the same value as the received participant ID 3010 in the fund account ID 5010 is received from the fund account DB 1501. Search for. Subsequently, the financial institution system 1500 transmits the received participant ID 3010 and the funds account balance 5020 of the retrieved funds account information 5000 as the balance notification 30020 to the electronic bill management system 1400.

When the electronic bill management system 1400 receives the balance notice 3330, it creates a predicted balance that is numerical data and initializes the value to the value of the received fund account balance 5020. Subsequently, the electronic bill management system 1400 is identical to the participant ID 3010 received from the assignee ID 4030 from the bill DB 1402, and the redemption date 4080 is received from the participant system (Publisher: 1100). Retrieve all electronic bill information 4000 before one balance calculation date. In addition, the electronic bill management system 1400 adds the sum of the payment amount 4060 of all the retrieved electronic bill information 4000 to the predicted balance. Subsequently, the electronic bill management system 1400 is identical to the participant ID 3010 received by the publisher ID 4020 from the note DB 1402, and the redemption date 4080 is received from the participant system (Publisher: 1100). Retrieve all electronic bill information 4000 before one balance calculation date. In addition, the electronic bill management system 1400 subtracts the sum of the payment amount 4060 of all electronic bill information 4000 retrieved from the predicted balance. In addition, the electronic bill management system 1400 prepares a publication date, which is date data, and substitutes the earliest day among the redemption date 4080 of all the retrieved electronic bill information 4000 on the publication date. Next, the electronic bill management system 1400 determines whether the estimated balance is a negative value, and when the estimated balance is a negative value, the participant ID 4030 is the participant ID 3010 received by the publisher ID 4020. With the backup line providing financial institution ID 3130 of the participant information 3000, the payment amount 4060 multiplies the estimated balance by -1, and the issue date 4070 generates the electronic bill information 4000 of the scheduled issue date. . For the note ID 4010, an arbitrary value that does not match the note ID 4010 of any note information 4000 stored in the note DB 1402 is substituted. Subsequently, when the electronic bill management system 1400 generates the predicted balance and the electronic bill information 4000, the electronic bill information 4000 is transmitted to the participant system (Publisher: 1100) as the predicted balance notice 3330. .

When the participant system (publisher: 1100) receives the forecast balance notice 3330, the participant system (publisher 1100) displays the received forecast balance using the display device 2101. If the predicted balance is a positive value here, the participant system (Publisher: 1100) ends the processing. If the value is negative, the participant system (Publisher: 1100) displays the received electronic paper note information 4000 using the display device 2101. Subsequently, the participant system (publisher: 1100) receives input from the input device 2102 of data for specifying whether to issue an electronic bill based on the contents of the electronic bill information 4000, and not to issue it. If so, stop processing. When the input of the issuance is received, an input of the redemption date 4080 is received from the input device 2102 again, and the value received in the same item of the received electronic bill information 4000 is substituted. Subsequently, the participant system (Publisher: 1100) transmits the received electronic bill information 4000 to the electronic bill management system 1400 as a bill issuance request 33040 by the backup line.

When the electronic bill management system 1400 receives the electronic bill information 4000 as the bill issuance request 33040 by the backup line, the electronic bill management system 1400 receives the backup line use amount 3150 of the participant information 3000 and the received electronic bill information 4000. ), It is determined whether the sum of the payment amount 4060 is greater than the backup line limit 3140 of the participant information 3000. If it is determined that the size is large, data indicating that the data cannot be issued is transmitted to the participant system (Publisher: 1100) as the result of the note issued by the backup line 333060. If it does not grow, processing continues. In addition, the comparison with the backup line limit 3140 is not performed here, and the electronic bill information 4000 is transmitted to the financial institution system 1500, and the electronic bill is issued from the financial institution system 1500 (financial institution system 1500). In this case, it is also possible to continue the process only when receiving confirmation that the loan may be performed by the backup line) and receiving the fact that it may be issued. Subsequently, the electronic bill management system 1400 searches the bill DB 1402, matches the publisher ID 4020 of the electronic bill information 4000 received by the publisher ID 4020, and the redemption date 4080 is received. All electronic bill information 4000 matching the issue date 4070 of one electronic bill information 4000 is searched. Subsequently, the electronic bill management system 1400 substitutes the bill ID 4010 of the received electronic bill information 4000 into the issuance waiting bill ID 4090 at the time of redemption of all the retrieved electronic bill information 4000. In addition, the electronic bill management system 1400 transmits the received electronic bill information 4000 to the financial institution system 1500 as a fund transfer request 33050 by the backup line, and transmits data indicating the issuance permission to the backup line. As a result of the issuance of the note by 333060, to the participant system (Publisher: 1100).

When the financial institution system 1500 receives the funds transfer request 33050 by the backup line, the financial institution system 1500 issues the electronic bill information 4000 received on the day designated as the issue date 4070 of the received electronic bill information 4000. The fund account information 5000 is retrieved having a fund account ID 5010 having the same value as the ID 4020. Subsequently, the financial institution system 1500 increases the amount of the received payment amount 4060 to the fund account balance 5020 of the searched fund account information 5000. Subsequently, the financial institution system 1500 transmits the electronic bill information 4000 received to the electronic bill management system 1400 as the fund transfer completion notification 33070 by the backup line.

Upon receipt of the fund transfer completion notification 33070 by the backup line, the electronic bill management system 1400 registers the received electronic bill information 4000 in the bill DB 1402. Accordingly, it is assumed that the validity of the electronic bill represented by the electronic bill information 4000 is made valid.

When the participant system (publisher: 1100) receives the note issue result 3330 by the backup line, the participant system 1100 displays the received note issue result 3330 by the backup line using the display device 2101.

In addition, repayment by the electronic bill management system 1400 in this embodiment differs from that performed by the redemption extraction processing (1) 1406 in the first embodiment, and the redemption extraction processing 2 shown in FIG. 33 ( 50100). The difference between the redemption extraction process (2) 50100 and the redemption extraction process (1) is as follows. In the redemption extraction processing (2) 50100, before requesting payment to the financial institution system for the electronic bill information 4000 to be repaid, the bill of draft to be issued upon repayment of the electronic bill information 4000 to be redeemed. Determine whether the value is assigned to). If the value is not substituted, the payment is requested as it is. When the value is substituted, it is determined whether the note information 4000 having the same note ID 4010 as the note pending note ID 4090 at the time of redemption is registered in the note DB 1402. If it is registered, the payment is requested as it is. If not registered, the settlement request is not made. In addition, in this embodiment, it is assumed that the electronic bill management system 1400 repeatedly executes the redemption extraction processing (2) 50100 per day.

The above tenth embodiment is summarized. In the tenth embodiment, there is provided an electronic bill management system having an intermediary function of a message for applying for borrowing (backup line) to a financial institution due to a lack of issuer funds at the time of repayment and an issuance function of an electronic bill serving as a loan. Realized. In addition, in this embodiment, the limit of the backup line is set, the method of borrowing within the above-mentioned amount, and the method of approval by the financial institution for each borrower's borrowing application are shown. In addition, as a function of the electronic bill management system accompanying the above functions, a function of automatically generating a form of an electronic bill issued in exchange for borrowing from the prediction of the shortage amount and the pre-registered backup line setting information, and by the backup line in the publisher When the borrowing and redemption of electronic bills occur on the same day, an order control function is executed so that the borrowing is performed in advance.

Next, as an eleventh embodiment, a process for displaying electronic bills will be described.

In the system configuration for displaying electronic bills, as shown in FIG. 28, the electronic bill display process 36010 is recorded in the participant system 1100 or the financial institution 1500, and the electronic bills are managed in the electronic bill management system 1400. Information and participant information transmission processing 36020 and restriction information 36030 are recorded and configured. The restriction information 36030 includes the participant information 3000 when the electronic bill management system 1400 transmits the participant information 3000 to the participant system 1100 or the financial institution 1500 in the processing flow described later. Data that restricts which items to send. The structure is data obtained by extracting some items of the participant information 3000 as shown in FIG. Moreover, the arrangement and connection form of other DB are the same as that of 1st Example shown in FIG. The display of the electronic bill shall be realized by the processing flow performed by the electronic bill display process 36010 and the electronic bill information / participant information transmission process 36020. In addition, the display of the electronic bill is often performed when it is necessary to display the contents of the electronic bill in all duties such as issuance or transfer in the participant system 1100, discounts at the financial institution 1500, and backup line setting. It shall be done. In the example of FIG. 28, the example at the time of displaying an electronic bill in a participant system (assignee 2: 1100) is demonstrated. Subsequently, in this processing flow, the operation of the participant system (assignee 2: 1100) operates according to the order shown in the electronic bill display process 36010, and the operation of the electronic bill management system 1400 is performed by the electronic bill information. It is supposed to operate in the order shown in the participant information transmission process 36020.

The participant system (publisher: 1100) receives input of the participant ID 3010, the participant password 3020, and the note ID 4010 from the input device 2102. Subsequently, the participant system (publisher: 1100) transmits the input participant ID 3010, the participant password 3020, and the note ID 4010 to the electronic bill management system 1400 as the display information transmission request 36110.

Upon receiving the display information transmission request 36110, the electronic bill management system 1400 has a participant ID 3010 and a participant password 3020 that match the received participant ID 3010 and participant password 3020. The information 3000 is retrieved. If the matching participant information 3000 cannot be retrieved, the process is stopped. If the participant information 3000 is found, the electronic paper information 4000 having the same paper ID 4010 as the received paper ID 4010 is retrieved from the paper DB 1402. If the electronic bill information 4000 cannot be retrieved, the process is stopped. In the description of this processing flow, in the following description, the electronic bill information 4000 is simply referred to as the electronic bill information 4000 which has been searched. Subsequently, the electronic bill management system 1400 determines whether the received participant ID 3010 matches any one of the publisher ID 4020, the assignee ID 4030, and the second ID 4040 of the electronic bill information 4000. do. This judgment is a restriction for presenting the contents of the electronic bill only to the participants who are involved in some form in the transaction of the electronic bill 4000. In the description of this processing flow, in the case where the electronic note information 4000 includes a plurality of Acer IDs 4040, the processing in each processing step is performed for all Acer IDs 4040. In the above judgment, if they do not all match, the process is stopped. If it matches either, the following processing is continued. Subsequently, the electronic bill management system 1400 retrieves the participant information 1300 having the same participant ID 3010 as the publisher ID 4020, the assignee ID 4030 and the second ID 4040 from the participant DB 1401. . Next, only items included in the restriction information 36030 are extracted from the items included in each participant information 3000 searched. Participant information 3000 of each issuer, heresy, and assignee extracted here is called issuer restriction information, heresy limit information, and assignee limit information, respectively. Subsequently, the electronic bill management system 1400 transmits the electronic bill information 4000, the issuer restriction information, the eseoin restriction information, and the assignee restriction information as the display information 36120 to the participant system (transferee 2: 1100).

Upon receipt of the display information 36120, the participant system (assignee 2: 1100) receives the document information 34100 corresponding to the text of the actual speech and the document information corresponding to the document as shown in FIG. The 34200 is displayed using the display device 2101. In the table information 34100 and the book information 34200, a bill ID 4010 of the electronic bill information 4000, a payment amount 4060, a repayment date 4080, and a financial institution account 3050 of issuer restriction information are displayed. In addition, the participant name 3030 of the issuer restriction information is set as the issuer name 34120, the participant name 3030 of the issuer restriction information is set as the e-signer name 34130, and the participant name 3030 of the transferee restriction information is assigned to the transferee name. It is displayed as 334220. In addition, along with the publisher name 34120, a word 34110 indicating "I will pay the above amount to you or your indicator" is also displayed. In addition to the name of the other person (34130), the word "34210" is also displayed along with "Please pay the indicated amount to the following defender or its indicator." In addition, although FIG. 26 actually showed the display example of the notation of a bill, the information contained in other electronic bill information 4000 may be displayed suitably. Subsequently, the participant system (assignee 2: 1100) assigns the participant restriction information, such as designating the participant name 3030, the publisher name, the name of the person named 34130 by a mouse click, or the like from the input device 2102. In a case where a display request of the person restriction information and the assignmentee restriction information is received, all of the issuer restriction information, the publisher restriction information, and the assignmentee restriction information are used as the participant restriction information 35100 shown in FIG. 27 using the display device 2101. Display the item.

The eleventh embodiment is summarized below. In the eleventh embodiment, a structure for displaying electronic bills is realized similar to the notation of actual bills. Moreover, the structure which can display the company information and credit information of the issuer, the other person, and the assignee of an electronic bill from the display screen of an electronic bill is implemented.

Next, as a twelfth embodiment, a process for displaying the credit information of the issuer, the other person, and the assignee of the electronic bill and the list of the electronic bill with the display function of the change of the credit information will be described. In the system configuration for displaying a list of electronic bills, as shown in FIG. 30, the electronic bill list display process 3810 is recorded in the participant system 1100 or the financial institution 1500, and the electronic bill management system 1400. The electronic bill list information transmission process (38020) and the restriction information (36030) are recorded and configured. The restriction information 36030 has the same functions and roles as the eleventh embodiment. Moreover, the arrangement and connection form of other DB are the same as that of 1st Example shown in FIG. The display of the list of electronic bills shall be realized by the processing flow performed by the electronic bill display list process 381010 and the electronic bill list information transmission process 3820. When the list of electronic bills is required to display a list of electronic bills in all duties such as issuance or transfer in the participant system 1100, discounts or backup line settings in the financial institution 1500, and the like. Let it be done from time to time. In the example of FIG. 30, the example at the time of displaying a list of electronic bills in a participant system (acceptor 2: 1100) is demonstrated. Subsequently, in this processing flow, the operation of the participant system (assignee 2: 1100) operates according to the order shown in the electronic bill list display process 3810, and the operation of the electronic bill management system 1400 transmits the electronic bill list. It is assumed that the operation is performed in the order shown in the process 3820.

Participant system (Publisher: 1100) receives input of participant ID 3010 and participant password 3020 from input device 2102. Subsequently, the participant system (publisher: 1100) transmits the input participant ID 3010 and the participant password 3020 to the electronic bill management system 1400 as a list information transmission request 38110.

When the electronic bill management system 1400 receives the list information transmission request 38110, the electronic bill management system 1400 has a participant ID 3010 and a participant password 3020 that match the received participant ID 3010 and the participant password 3020. The information 3000 is retrieved. If the matching participant information 3000 cannot be retrieved, the process is stopped. When the participant information 3000 is found, all electronic bill information having the same value as the received participant ID 3010 in any one of the publisher ID 4020, the assignee ID 4030, and the heresy ID ID 4040. Reference numeral 4000 is retrieved from the note DB 1402. If the electronic bill information 4000 cannot be retrieved, the process is stopped. Subsequently, the electronic bill management system 1400 has the same participant ID 3010 as the publisher ID 4020, the assignee ID 4030, and the Acer ID 4040, for each of the retrieved electronic bill information 4000. FIG. All the participant information 3000 is retrieved from the participant DB 1401. Subsequently, only the items included in the restriction information 36030 are extracted from the items included in each participant information 3000 searched for, and the participant restriction information 35100 is extracted. Here, in summary about the extraction process, the participant specified by the received participant ID 3010 is called participant A, and the electronic bill information 4000 regarding the participant A from the note DB 1402 is an electronic bill. (A) (Publisher: Participant (A), Endorser: Participant (B), Assignee: Participant C), Electronic bill (B) (Publisher: Participant (D), Assignee: Participant (A)) . In this case, participant restriction information 3500 of participants A, B, C, and D is generated. Next, the electronic bill management system 1400 transmits all the retrieved electronic bill information 4000 and all created participant restriction information 35100 to the participant system (assignee 2: 1100) as list information 38120.

Upon receiving the list information 38120, the participant system (Assignee 2: 1100) displays the received list information 38120 as a list screen 3900 shown in FIG. 31. The list screen 3900 is a list in which the individual electronic bill display 39500 which displays information for each electronic bill information 4000 received is displayed as many as the number of the electronic bill information 4000 received. The individual electronic bill display (39500) is a display item, the amount of payment (4060), the repayment date (4080), the issuer information column (39010), the insider information column (39020), the assignee information column (39030), the highest credit rating (39040) Has Here, the information column 39020 is assumed to increase in accordance with the increase of the E40 4040 of the electronic bill information 4000. In addition, when the information column 39020 which is the second book increases, it is assumed that the information column (N) 39020 is the second book to identify each. The payment amount 4060 and the redemption date 4080 of the individual electronic bill display 39500 are the electronic bill information 4000 (hereinafter, simply described in the description of this display screen) that the individual electronic bill display 39500 is to display. The same item of (4000) is shown. The issuer information field 3910 is information of a participant identified by the issuer ID 4020 of the electronic bill information 4000, and is divided into three pieces of information: the issuer name 34120, the credit rating 3100, and the credit rating change information 39210. Configure. The publisher name 34120 of the publisher information field 3910 has the same value as the publisher ID 4020 of the electronic bill information 4000 of the participant restriction information 35100 (referred to as publisher restriction information) having the participant ID 3010. Participant name 3030. The credit rating 3100 of the issuer information field 3910 is the credit rating 3100 of the issuer restriction information. The credibility change information 39210 is data indicating how the issuer's credibility has changed in recent years, and includes four pieces of "rising", "falling", "failed", and "no change" (no indication). It will be one of the values. In Fig. 31, the upward arrow in the circle "rising up", the downward arrow in the circle "falling down", and the character "budo" in the circle are shown in the circle. The display method of the credit change information 39210 is &quot; failed &quot; when the defaulting date of issuer restriction information 3090 falls within a range (for example, one month, etc.) going back a certain period from the present time. do. In addition, when the condition is not satisfied and the credit change date 3120 of the issuer restriction information is included in the range which is similar to a certain period from the present time, the value of the renewal use 3110 of the issuer restriction information is determined by the issuer restriction information. If it is higher than the credit rating 3100, it is referred to as "falling", and if it is low, it is referred to as "rising". Other than the above-mentioned "progressed", "rising", "falling", "no change" is displayed and nothing is displayed. The display method of the information column 39020 of the individual electronic bill display 39500 is the display method of the issuer information column 3910, and the display object has the same value as the ID 4040, which is the Ether of the electronic bill information 4000. The same is true except that the participant restriction information 35100 having the participant ID 3010 (hereafter referred to as the restriction information) is performed. The display method of the assignee information column 3930 of the individual electronic bill display 39500 also includes the display method of the issuer information column 3910 and the display object having the same value as the ID 4030 that is the assignee of the electronic bill information 4000. The same is true except that the participant restriction information 35100 having the participant ID 3010 (hereafter referred to as the restriction information) is performed. The highest credit rating 39040 of the individual electronic bill display 39500 is the value of the highest credit rating among the credit limit 3100 of the issuer restriction information of the electronic bill information 4000 and the secondary limit information. This is because, in this specification, the assignee assumes that the issuer can demand payment of the draft if the issuer cannot repay the electronic draft, the creditworthiness of the draft is determined by This is because it matches the credit power. In addition, the individual electronic bill display 39500 rearranges and displays the highest credit rating 39040 in ascending order. The issuer information field 3910 may include other items including the electronic bill information 4000, the issuer restriction information, the issuer restriction information, and the transferee restriction information.

When the participant system (assignee 2: 1100) receives a request to change the display format from the input system 2102, the participant system (assignee 2: 1100) displays the received list information 38120 as a list screen 2 (40000) shown in FIG. . The list screen (2, 40000) is a list which displays only the number of the electronic bill information (4000) which received the individual electronic bill display (2) 40500 which displays information about each received electronic bill information (4000). . The individual electronic bill display (2) 40500 has a classification 40010, a payment amount 4060, a redemption date 4080, a publisher information field 3910, a location 3070, and an industry type code 3060 as display items. . The payment amount 4060, the redemption date 4080, and the issuer information field 39010 of the individual electronic bill display 240040 are displayed in the same manner as the item of the individual electronic bill display 39500. The location 3070 of the individual electronic bill display (2) 40500 and the industry code 3060 are the same items of the issuer-limited information of the electronic bill information 4000 which the individual electronic bill display (2) 40500 is the display object. to be. In addition, classification 40010 assigns the same value to the individual electronic bill display 2 (40500) which has the same value to the location 3070 of the individual electronic bill display 2 (40500). Here, the classification 40010 may also assign the same value to the individual electronic bill display (2) 40500 having the same value in the business type code 3060 of the individual electronic bill display (2) 40500. It is assumed that the display order of the individual electronic bill display (2) 40500 is rearranged by the classification 40010.

The above is a summary of the twelfth embodiment. In the twelfth embodiment, when displaying the information of the electronic bill, the structure of displaying the creditworthiness of the issuer, the colleague, the assignee, and the change of the creditworthiness together is realized. Moreover, the structure which calculates the creditworthiness of the electronic bill from the creditor of the publisher and this book, and displays the creditworthiness of the said electronic bill itself is implemented. Moreover, the structure which classifies and displays electronic bills by the business type and location of the issuer of an electronic bill is implemented.

According to the present invention, there is provided a function for checking a miss of an input in issuance of an electronic bill, whereby the issuer of the electronic bill has a miss in the counterparty or the amount of money at the time of input in the issuance registration of the electronic bill. In such a case, an electronic bill is issued as it is, and an unintended debt is not incurred, so that a secure electronic bill transaction can be performed.

Moreover, according to this invention, when transferring the right of an electronic bill, the function which selects the electronic bill to be transferred is provided, and the person who transfers an electronic bill accordingly, if any electronic bill is used for the payment in a transaction, You can choose whether or not. In addition, the side receiving the transfer of the electronic bill and the electronic bill used for payment can be confirmed, and the transaction used for the payment of the electronic bill issued by a third party can be easily performed.

Further, according to the present invention, in the case of financing electronic bills or papers by discounting them, there is provided a means for specifying a paper bill to be discounted with a financial institution and determining the amount to be paid. The person who owns it becomes possible to efficiently fund the electronic bill. In addition, financial institutions can also efficiently determine the amount of money for discounting electronic bills required by customers.                     

Further, according to the present invention, when the issuer wishes to delay repayment at the time of redemption of the electronic bill, it provides a means for specifying the assignee at the time of repayment and requesting the delay of redemption of the electronic bill for the specific assignee. In addition, it provided a means for changing the redemption date of electronic bills based on the negotiation result of the repayment delay. As a result, the issuer of the electronic bill can avoid bankruptcy even when the funds run out on the repayment date, and the transferee can also recover the bond more reliably.

Further, according to the present invention, there is provided a means for borrowing on the basis of a backup line contract in electronic bills, and in conjunction with the borrowing, issuance of electronic bills with the financial institution as the assignee from the issuer in return for borrowings. It provides a means for doing this. In addition, the structure for calculating the borrowed amount based on the balance of the issuer, the issuance of the electronic bill (electronic bill A) serving as the backup line, and the repayment of the electronic bill (electronic bill A), which is the subject of the backup, are performed on the same day. In this case, according to the present invention, a function for checking a miss of an input in issuance of an electronic bill is provided, whereby the issuer of the electronic bill is provided to the counterparty or the amount of money at the time of input in the issuance registration of the electronic bill. In the case of a miss, an electronic bill is issued as it is, and an unintended debt is not incurred, and a safe electronic bill transaction can be performed.

Moreover, according to this invention, when transferring the right of an electronic bill, the function which selects the electronic bill to be transferred is provided, and the person who transfers an electronic bill accordingly, if any electronic bill is used for the payment in a transaction, You can choose whether or not. In addition, the side receiving the transfer of the electronic bill and the electronic bill used for payment can be confirmed, and the transaction used for the payment of the electronic bill issued by a third party can be easily performed.

Further, according to the present invention, in the case of financing electronic bills or bills by discounting, the present invention provides a means for specifying a bill to be discounted with a financial institution and determining the amount to be paid. The person who owns it becomes possible to efficiently fund the electronic bill. In addition, financial institutions can also efficiently determine the amount of money for discounting electronic bills required from customers.

Further, according to the present invention, when the issuer wishes to delay the repayment at the time of redemption of the electronic bill, it provides a means for specifying the assignee at the time of repayment, and for requesting the delay of repayment of the electronic bill to the specific assignee, In addition, it provided a means for changing the redemption date of the electronic bill by receiving the negotiation result of the repayment delay. As a result, the issuer of the electronic bill can avoid bankruptcy even when the funds run out on the repayment date, and the transferee can also recover the bond more reliably.

Further, according to the present invention, there is provided a means for borrowing on the basis of a backup line contract in electronic bills, and in conjunction with the borrowing, issuance of electronic bills with the financial institution as the assignee from the issuer in return for borrowings. It provides a means for doing this. In addition, the structure of calculating the amount by borrowing based on the balance of the issuer is calculated, the issuance of the electronic bill (electronic bill A) serving as a backup line and the repayment of the electronic bill (electronic bill A), which is the subject of the backup, are performed on the same day. Is provided, the electronic bill A is issued prior to the redemption of the electronic bill B, so that the issuer of the electronic bill becomes a backup line even if the funds become short on the redemption date of the electronic bill. By issuing a paper bill, the clearing of the electronic paper bill issued in the past can be surely performed without preparing a new fund.

In addition, according to the present invention, in accordance with the electronic bill, there has been a change in the credit information of the issuer, the booker, and the assignee of the bill (whether past bankruptcy occurred, credit rating evaluation by a third party), and the credit information. In addition to providing a structure for displaying the information for determining the information, and providing a structure for calculating and displaying the creditworthiness of the electronic bill itself from the credit information of the issuer, the second person, and the assignee, thereby participating in the transaction of the electronic bill. A person can know the change in the creditworthiness of the electronic bill accurately and can also know the creditworthiness of the electronic bill itself.

Further, according to the present invention, there is provided a structure in which issuance of the electronic bill A is performed prior to the redemption of the electronic bill B, whereby the issuer of the electronic bill is backed up even when the funds are short on the redemption date of the electronic bill. By issuing an electronic bill serving as a line, clear repayment of the electronic bill issued in the past can be performed without preparing a new fund.

In addition, according to the present invention, in accordance with the electronic bill, there has been a change in the credit information of the issuer, the booker, and the assignee of the bill (whether past bankruptcy occurred, credit rating evaluation by a third party), and the credit information. In addition to providing a structure for displaying the information for determining the information, and providing a structure for calculating and displaying the creditworthiness of the electronic bill itself from the credit information of the issuer, the second person, and the assignee, thereby participating in the transaction of the electronic bill. A person can know exactly the change in the creditworthiness of the electronic bill and also know the creditworthiness of the electronic bill itself.

Claims (43)

delete delete delete delete An electronic bill management system that manages electronic bills, which are electronic data indicating that the issuer, the debtor, has promised payment of goods and payments to the assignee who is the creditor, and is a system used by a transferor who transfers the electronic bills. In an electronic bill management system connected to a conduit system, A storage device that stores a plurality of electronic bills including an owner ID and an amount of money for identifying the owner of the electronic bill; A communication device connected to the conduit system and a network; Connected to the storage device and the communication device, According to the transfer registration processing program stored in the storage device, Receiving, via the communication device, a transfer amount ID identifying a target amount of money and a transfer destination of the electronic bill, which are targets of the amount of the electronic bill to be transferred from the transferee system; By combining the electronic bills included in the plurality of electronic bills stored in the storage device, a combination of the electronic bills satisfying the target amount received by the sum of the amounts of money is retrieved, Transfers the electronic bill by changing the owner ID of the retrieved electronic bill to the received transferee ID and storing the selected electronic bill in the storage device. Processing unit Electronic bill management system, characterized in that having a. The method of claim 5, The communication device is connected to the transfer destination system used by the transfer destination of the electronic bill through the network; According to the transfer registration processing program, the processing device is Transmit the contents of the retrieved electronic bill to the conduit system or the conveyance system through the communication device, and provide information indicating the approval of the conveyance to the electronic bill transmitted from the conveyance system or the conveyance system; Receive, The electronic bill management system which transfers the said electronic bill by changing an owner ID to the said transfer destination ID, and storing it in the said storage apparatus with respect to the said approved electronic bill. The method of claim 5, The processing device, As the target amount of money, two numerical values of the minimum value and the maximum value of the total amount of money, which indicate the range of the total amount of the electronic bill to be transferred, take, are accepted; The electronic bill management system characterized by searching for a combination of electronic bills which fall between the maximum value and the minimum value. The method of claim 5, The processing device, The electronic bill stored in the storage device is sorted by the amount of money, An electronic bill management system characterized by searching for a combination of the electronic bills first with respect to the sorted electronic bills from the smaller ones. The method of claim 5, The processing device, The electronic bill management system which searches for the combination of the electronic bill by testing all the combinations with respect to the electronic bill stored in the said memory | storage device. The method of claim 5, The processing device, If the number of electronic bills stored in the storage device is large, The electronic bill stored in the storage device is sorted by the amount of money, With respect to the sorted electronic bill, the combination of the electronic bills is first searched for from the smallest amount of money. When the number of electronic bills stored in the storage device is small, A combination of the electronic bills stored in the storage device is tested for all combinations thereof to search for the combinations of the electronic bills. Electronic bill management system, characterized in that. The method of claim 5, The communication device is connected to an issuer system, which is a system used by the issuer, indicates the contents of the electronic bill issued by the issuer, transmitted from the issuer system, and an issuer ID for identifying the issuer of the electronic bill, the electronic bill. Receive a bill issuance notice including the assignee ID identifying the assignee of the issuing party, and the payment amount of the electronic bill; The storage device shows a history of transactions by electronic bills, the publisher ID identifying the issuer of the electronic bill, the assignee ID identifying the assignee of the electronic bill, the transaction type of the electronic bill, and the amount of the electronic bill. Remember more history information, including; The processing device is according to the new registration processing program stored in the storage device. Search for history information indicating an electronic bill issued by the issuer to the assignee in the past as a transaction type having issuer ID and assignee ID included in the note issue notification received by the communication device; In the case where one or more pieces of history information exist, a first maximum amount of money, which is the maximum amount of money, is specified among the amounts of money included in the retrieved history information. Compare the specified first maximum amount with a payment amount included in the received note issuance notice, As a result of the comparison, when the payment amount is high, notifying the issuer system of information indicating a warning through the communication device; By executing a new registration process that includes, And an alert to the issuer that the issuer is the maximum amount of electronic bills issued to the assignee. The method of claim 11, The processing apparatus according to the new registration processing program, After comparison with the first maximum amount, Search for historical information indicating an electronic bill issued by the publisher in the past as a transaction type as issuer history information, including an issuer ID included in the note issuance notice received by the communication device; In the case where one or more pieces of the history information exist, a second maximum amount indicating a maximum amount is specified among the amounts included in the retrieved history information. Compare the specified second maximum amount with the amount of payment included in the received note issuance notice, As a result of the comparison, when the payment amount is high, by including the result of the comparison in the information indicating the warning, the issuance of the electronic bill indicated in the note issuance notice is issued among all the past electronic bill issuances. Electronic bill management system, characterized by a warning of the maximum amount. The method of claim 12, The processing apparatus according to the new registration processing program, After comparison with the second maximum amount, Retrieve history information indicating an electronic bill issued by the issuer to the assignee in the past as a transaction type as issuer history information, including an issuer ID and an assignee ID included in the note issue notification received by the communication device; When one or more of the history information exists, by using the transaction date included in the retrieved history information, each history information is divided by a certain period, Calculating a first total value that is a total value of the amounts of money included in the corresponding history information for each of the divided periods; A first total value is calculated by summing a first total value of a predetermined period including a reception date of the note issuance notice and a payment amount included in the note issuance notice; In the case where the first total value is the maximum among the calculated first total value and the first total value, a schedule including the current point in the publication to the assignee by including the result of the comparison in the information indicating the warning. Electronic bill management system, characterized in that the issuance of electronic bills of a period is the maximum amount of issuance for each period. The method of claim 13, The processing apparatus according to the new registration processing program, After the comparison between the first total value and the first total value, Search for historical information indicating an electronic bill issued by the publisher in the past as a transaction type as issuer history information, including an issuer ID included in the note issuance notice received by the communication device; When one or more of the history information exists, by using the transaction date included in the retrieved history information, each history information is divided by a certain period, Calculating a second total value, which is the total value of the amounts of money included in the corresponding history information for each of the divided periods; A second total value is calculated by summing a second total value of a predetermined period including a reception date of the note issuance notice and a payment amount included in the note issuance notice; If the second summed value is the maximum among the calculated second summed value and the second summed value, issuance of the electronic bill of a certain period including the present point by including the result of the comparison in the information indicating the warning. Electronic bill management system, characterized by a warning that the maximum amount of issuance every fixed period. The electronic bill management system according to claim 13 or 14, wherein the predetermined period includes one month, three months, half a year, and one year. The method according to any one of claims 11 to 14, The processing apparatus according to the new registration processing program, Prior to the retrieval of the history information, As history information including the issuer ID and the assignee ID included in the note issuance notification received by the communication device, history information indicating electronic bills in which the issuer has been involved in the past is retrieved; If the history information does not exist, the information indicating the warning is included in the information indicating the warning, and the issuance of the electronic bill indicated in the bill issuance notice is issued to a new assignee who has not had a transaction by the electronic bill in the past. Electronic bill management system, characterized in that the warning. The method of claim 15, The processing apparatus according to the new registration processing program, Prior to the retrieval of the history information, As history information including the issuer ID and the assignee ID included in the note issuance notification received by the communication device, history information indicating electronic bills in which the issuer has been involved in the past is retrieved; If the history information does not exist, the information indicating the warning is included in the information indicating the warning, and the issuance of the electronic bill indicated in the bill issuance notice is issued to a new assignee who has not had a transaction by the electronic bill in the past. Electronic bill management system, characterized in that the warning. The method of claim 16, The processing apparatus according to the new registration processing program, After retrieval of the history information, A history indicating an electronic bill issued by the issuer to the assignee in the past as a transaction type as issuer history information, including a publisher ID and a dealt ID corresponding to a note issued by the communication device; Retrieve information, In the case where the history information does not exist, by including the result of the search in the information indicating the warning, the issuance of the electronic bill indicated in the note issuance notice is the issue to a new assignee who has not been the issuer in the past. Electronic bill management system, characterized in that for warning. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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