WO2019156193A1 - Unsecured funding system - Google Patents

Abstract

Provided is an unsecured funding system for securitizing indeterminate future salary receivables on the basis of salary payment results of an individual in a prescribed period and assisting an individual salaried employee. An unsecured funding system in which an applicant terminal used by a funding applicant and a system center server used by a funding business operator are connected by a communication network, the unsecured funding system assisting the purchase of indeterminate future salary receivables of the funding applicant. The system center server has an input means for inputting actual salary data for the preceding year, a storage means for storing the actual salary data for the preceding year, a stable salary payment amount calculation means for calculating a stable salary payment amount, a securitization-pattern-setting means for setting the face value of a purchase bond of the future salary receivables, and a bond redemption management means for determining whether or not the cumulative amount of received redemption matches the face value of the salary receivables purchase bond.

Description

Unsecured funding system

The present invention relates to an unsecured funding system that supports funding applicants by purchasing future unsettled future salary claims. More specifically, the present invention relates to unsecured salary claims for future salary payments to funding applicants. An unsecured funding system that supports funding applicants by purchasing future salary claims.

As a measure to improve store cash flow, the inventor aggregates the final sales amount after the settlement and payment of merchandise in the store has been completed, and the function of the fixed sales totaling section that calculates the final sales amount by period, and the funding Use a cash register or ticket vending machine that has a function of a separate payment setting unit to calculate the amount of separate payments to be paid to businesses and settlement and / or reserve amounts to be deposited with agents for separate payments. Unsecured future sales receivables based on bonds have been proposed, and an unsecured funding system that supports stores so that they are unsecured and are not affected by short-term changes in sales of member stores is proposed (see Patent Document 1) . This proposal makes it possible to secure abundant liquidity funds at stores that are not affected by fluctuations in sales at stores that mainly use payment methods such as cash payment.
However, the unsecured funding system has a problem in that it cannot be used by individual earners.

JP 2016-164717 A

The present invention has been made in view of the above-mentioned problems of the prior art, and an object of the present invention is to purchase an uncertain future salary receivable as a bond based on the receipt of an already paid salary of an individual. Therefore, it is intended to provide an unsecured funding system that supports individual salary earners.

The unsecured funding system according to the first aspect of the present invention, which has been made to achieve the above object, connects an applicant terminal used by a funding applicant and a system center server used by a funding company through a communication network. An unsecured funding system that supports the purchase applicant's purchase of unsettled future salary receivables, wherein the system center server includes salary data information on the actual salary already paid by the funding applicant, Input means for inputting salary data information of the salary received after the start date of the monetization period, salary data information of the actual salary of the funding applicant, salary data information of the salary after the start date of the bond period , Funding condition data, storage means for storing the accumulated amount of the redeemed bond redemption, Based on the data information on the actual salary of the funding applicant stored in the memory means, the actual salary calculation means for calculating the actual stable salary by subtracting the overtime allowance and the total deduction from the total salary payment And, based on the calculated stable salary payment amount, a target period for converting the future salary receivable into a bond is set, and the bond ratio is added to the cumulative amount of the stable salary payment during the actual period corresponding to the bond target period Based on the bond pattern setting means to set the face value of purchased bonds of future salary receivables by multiplying by and the salary data information from the start date of the period to be converted into bonds, the subsidy by subtracting the total deduction Multiply the amount by the ratio of receivables to calculate the redemption amount for the current period, and determine whether the accumulated redemption amount calculated by accumulating the redemption amount for the corresponding period is equal to the face value of the payable bond purchase bond. , The receipt When it is determined that the accumulated amount is equal to the face value of the payable bond purchase bond, a notification is sent to notify the end of redemption of the payable bond purchase bond, and the receipt Redemption management means for outputting a notice notifying the extension of the redemption period of the salary receivable purchased bond when it is determined that the accumulated redemption amount does not match the face value of the payable receivable purchased bond; It is characterized by.

The applicant terminal includes a salary data information transmitting means for transmitting the salary data information of the funding applicant after the start date of the bond conversion period to the system center server, and a total amount of salary of the funding applicant The redemption calculation means to calculate the redemption amount for the current period by multiplying the deduction amount from the deduction amount from the total deduction amount and the redemption amount that has accumulated the redemption amount for the current period after the start date of the period The redemption amount for the current period when the accumulated amount is equal to or greater than the par value of the payable bond purchase bond is set as the final redemption amount, and the accumulated redemption amount is the same as the par value of the payable bond purchase bond. It is preferable to have redemption correction means for correcting the amount of the final current payment redemption.

The unsecured funding system according to the second aspect of the present invention made to achieve the above object provides an applicant terminal used by the funding applicant and a salary as compensation for the working of the funding applicant. The employee management server used by the payer and the system center server used by the funding company are connected by a communication network, and the unsecured future salary receivable is supported by the funding applicant. In the funding system, the system center server includes input means for inputting the salary data information of the actual salary already paid by the funding applicant, and the salary data information of the salary received after the start date of the period to be converted into bonds. , Salary data information of the actual salary of the funding applicant, receipt after the start date of the bond period Based on the salary data information of the given applicant's performance, the storage means for storing the funding condition data, the accumulated amount of the redeemed bond redemption, and the actual salary data of the funding applicant stored in the storage means The salary performance calculation means for calculating the stable salary payment amount for the actual amount obtained by subtracting the overtime allowance and the total deduction amount from the total salary payment amount, and the future salary receivables as bonds based on the calculated stable salary payment amount A bond pattern setting means for setting a target period and setting a face value of a purchased bond of a future salary receivable by multiplying a cumulative ratio of stable salary payments in a performance period corresponding to the bond conversion target period by a bond ratio; Based on the salary data information from the start date of the period to be converted into bonds, the amount of redemption received during the period is calculated by multiplying the subsidy amount obtained by subtracting the total deduction amount from the total payment amount and the receivable ratio, It is determined whether the accumulated redemption amount obtained by accumulating the face value of the salary receivable purchase bond matches the face value of the payable bond purchase bond, and it is determined that the accumulated redemption amount and the face value of the payroll bond purchase bond match. If this is the case, a notice is sent to notify the end of redemption of the payable bond purchase bond, and the accumulated redemption amount and the face value of the payable bond purchase bond match even after the subject bond period has elapsed. And a redemption management means for outputting a notice notifying the extension of the redemption period of the salary receivable purchased bond, the employee management server, the employee management server, The salary data information transmitting means for transmitting the salary data information of the funding applicant to the system center server, and the bond to the deduction amount obtained by subtracting the total deduction from the total salary amount of the funding applicant. The redemption amount calculation means for calculating the redemption amount for the current period by multiplying the redemption ratio and the accumulated amount of redemption amount accumulated for the current period after the start date of the bond period The current redemption amount at the time of the above is set as the final redemption amount, and the final redemption amount is such that the accumulated redemption amount is equal to the face value of the payable bond purchase bond. And a payment redemption correction means for correcting.

The unsecured funding system according to the third aspect of the present invention, which has been made to achieve the above object, includes a terminal used by the funding applicant, and a salary that provides salary as compensation for the working of the funding applicant. An employee management server used by a payer and a separate payment management server of a separate payer that makes separate payments of the salary of the funding applicant are connected via a communication network, and an uncertain future salary of the funding applicant An unsecured funding system that supports the purchase of bonds, wherein the system center server includes information on salary data on the actual salary paid by the funding applicant and information on the salary received after the start date of the bond-bonding period. Input means for inputting salary data information, salary data information of the actual salary of the funding applicant, subject to bond Salary data information of salary received after the start date of the period, funding condition data, storage means for storing the accumulated amount of the redeemed bond redemption, and salary of the results of the funding applicant stored in the storage means Based on the data information, the salary performance calculation means for calculating the actual stable salary payment amount after subtracting the overtime allowance and the total deduction amount from the total salary payment amount, and the future based on the calculated stable salary payment amount Set the target period for converting the salary receivable of the company into a bond, and multiply the cumulative amount of stable salary payments for the actual period corresponding to the target period for bond generation by the bond ratio to set the face value of the purchased bond for the future payable receivable Based on the bond-setting pattern setting method and salary data information from the start date of the bond-bonding period, the amount of redemption received during the current period is calculated by multiplying the subsidy amount obtained by subtracting the total deduction amount from the total payment amount and the receivable ratio. And determining whether or not the accumulated redemption amount obtained by accumulating the redemption amount for the corresponding period is equal to the face value of the payable bond purchase bond, and the accumulated redemption amount and the payable bond purchase bond When it is determined that the face value is the same, a notice is sent to notify the end of redemption of the payable bond purchase bond, and the accumulated redemption amount and the payable bond purchase bond even after the target bond period has elapsed Redemption management means for outputting a notice notifying the extension of the redemption period of the salary receivable purchased bond when it is determined that the face value of the payee bond does not match, and the applicant terminal Salary data information transmission means for transmitting salary data information of the funding applicant after the start date of the period to the sorted payment management server, wherein the sorted payment management server includes a total payment of the funding applicant's salary amount Payment redemption calculation means to calculate the redemption amount for the current period by multiplying the amount of deductions subtracted from the total deductions from the bond ratio and payment for the accumulated redemption amount for the current period after the start date of the period The current redemption amount when the accumulated redemption amount is equal to or greater than the face value of the payable bond purchase bond is set as the final redemption amount, and the accumulated redemption amount is the same as the face value of the payable bond purchase bond As described above, the payment redemption correction means for correcting the final redemption payment amount is provided.

According to the unsecured funding system of the present invention, an individual salary earner can secure a sufficient amount of liquid funds at hand.
The unsecured funding system according to the present invention sets the bond generation pattern of the payable bond purchase bond based on the actual stable salary payment amount in setting the bond formation pattern of the payable bond purchase bond, and is paid in the bond redemption. Since fixed-rate repayment is made for the salary deductions, it is possible to avoid the problem that the reimbursement becomes difficult due to fluctuations in the salary amount, such as a temporary decrease in the amount paid.

It is a figure for demonstrating the scheme of the unsecured funding system between two of the funding applicant and the funding company by 1st embodiment of this invention. It is a block diagram for demonstrating the structure of the unsecured funding system between the two of the funding applicant and the funding company by 1st embodiment of this invention. It is a block diagram for demonstrating the structure of the system center server of FIG. It is a figure for demonstrating the scheme of the unsecured funding system between three persons of the funding applicant, salary payer, and funding provider by 2nd embodiment of this invention. It is a block diagram for demonstrating the structure of the unsecured funding system between 3 persons of the funding applicant, salary payer, and funding provider by 2nd embodiment of this invention. It is a figure for demonstrating the scheme of the unsecured funding system between 4 persons of the funding applicant, salary payer, salary classification payer, and funding business operator by 3rd embodiment of this invention. It is a block diagram for demonstrating the structure of the unsecured funding system between four persons of the funding applicant, salary payer, salary classification payer, and funding business operator by 3rd embodiment of this invention.

Hereinafter, a specific example of an unsecured funding system that supports the purchase applicant's purchase of an uncertain future salary claim according to the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram for explaining a scheme of an unsecured funding system between a funding applicant 10 and a funding operator 50 according to an embodiment of the present invention. It is premised on the conclusion of a purchase price transfer contract between the funding applicant 10 and the funding operator 50.

The flow of this scheme will be described with reference to FIG.
The funding applicant 10 sells a part of the unsettled future salary receivable of the funding applicant 10 to the funding operator 50 as a bond. Pay the purchase price. As a result, the funding applicant 10 secures the necessary liquidity without collateral, and if the period of time for the sale of the bond that has been sold comes, the funding applicant 10 Pay a certain percentage of the salary paid as a redemption.
Payment of bond redemption money to the funding company 50 starts from the start date of the period to be converted into a bond, and the face value of the bond purchased by the funding company 50 and the redemption that the funding company 50 received redemption. Continue until the total amount matches.

FIG. 2 is a block diagram for explaining the configuration of the unsecured funding system between the funding applicant 10 and the funding operator 50 according to the first embodiment of the present invention.
In this embodiment, the applicant terminal 100 used by the funding applicant 10 and the system center server 500 used by the funding operator 50 can be configured using a commercially available PC (personal computer) or the like. CPU (central control unit), memory, storage device such as hard disk constituting database, display device for displaying images and text for management, input device such as keyboard and mouse, and other communication related devices A description of the input device and the like, and its configuration drawing are omitted. Further, detailed description of each component that functions by executing a software program using these will be omitted.

The applicant terminal 100 according to the present embodiment includes an applicant terminal input unit 101 for inputting salary data of salary received by the funding applicant 10, an applicant terminal database 102 for storing input salary data information, and desired funding conditions. Applicant terminal communication unit 103 that transmits salary data information to system center server 500, applicant terminal redemption calculation unit 104 that calculates the current payment redemption, and applicant terminal redemption that corrects the amount of the final current payment redemption A correction unit 105 is included.

The applicant terminal input unit 101 is connected to an input device such as a keyboard and a storage medium reading device, and inputs salary data of salary received by the funding applicant 10, desired funding conditions for the funding application, and the like.
The salary data information to be entered includes total salary, basic salary, various allowances such as position allowance, qualification allowance, family allowance, overtime allowance, commuting allowance, care insurance, health insurance, welfare pension, Deduct the total deduction amount from the total deduction amount and the total deduction amount of the deduction of social insurance such as employment insurance, income tax, resident tax, life insurance premium, reserves, repayment, etc. This is information relating to the detailed data of the salary to be paid, including the subsidy amount. .
In applying for unsecured funding, the funding applicant 10 presents the desired funding conditions to the funding company 50. The desired funding condition items include the desired face value of the payable receivables purchased equivalent to the amount of liquid liquid funds you want to receive, and the desired bond that indicates the proportion of the amount to be converted into bonds out of the subsidy amount that is the paid salary This is the desired application conditions for the funding applicant 10 including the desired bond-making period, which is the desired period of purchase of payables and salary receivables.

The applicant terminal database 102 includes the input salary data information, the salary data information and the funding conditions set based on the desired funding conditions, the data related to the current payment redemption paid by the funding applicant 10 when the bond is redeemed, the bond Stores data related to the final current payment redemption paid at the time of redemption.
The applicant terminal communication unit 103 performs connection with an account management server (not shown) of a financial institution that opens an account of the funding applicant 10, a system center server 500 of the funding operator 50, etc., and mail server operations. In general, the communication of the applicant terminal 100 is managed in general including the FTP processing, private line communication processing including telephone, FAX, and LAN.

As for the bond redemption of the funding applicant 10, a certain percentage of the salary paid for working in the bond period is paid to the funding company 50.
The applicant terminal redemption calculation unit 104, when salary is paid after the start date of the period to be converted into bonds, and when salary data information is input, the total deduction amount is calculated from the total salary payment of the input salary data information. Multiply the deduction amount subtracted by the bond ratio set at the time of funding application to calculate the redemption amount for the current period. The calculated reimbursement amount for the current period is stored in the applicant terminal database 102 and confirmed or corrected by the applicant terminal redemption correction unit 105.

The applicant terminal redemption correction unit 105 accumulates the current payment redemption amounts stored in the applicant terminal database 102 from the start date of the period to be converted into bonds in order of payment date, and calculates the accumulated payment redemption amount.
If the calculated accumulated redemption amount is less than the bond face value, the applicant terminal redemption correction unit 105 determines the current payment redemption amount calculated by the applicant terminal redemption amount calculation unit 104 as the final fixed payment amount. In addition to outputting the payment redemption information in which the latest fixed-period payment redemption amount is described, the payment redemption information is transmitted to the system center server 500 via the applicant terminal communication unit 103.

Applicant terminal redemption correction part 105 sets the current redemption amount when the calculated total redemption amount is equal to or greater than the bond face value to the final current payment redemption amount. The difference between the accumulated repayment amount before the final repayment amount is accumulated and the bond face value, so that the accumulated repayment amount, which is the accumulated amount of the redemption amount for the current period, is the same as the face value of the bond. It is adjusted to the amount deducted from the amount of the final redemption.
The revised current payment redemption amount is recorded in the redemption information as a fixed current payment redemption amount. The applicant terminal redemption correction unit 105 outputs the payment redemption information and transmits it to the system center server 500 via the applicant terminal communication unit 103.

Funding applicant 10, when the payment redemption information is output and receives the current receipt redemption amount confirmation information from system center server 500, pays the fixed current payment redemption amount to funding operator 50.
The payment to the funding carrier 50 for the final payment amount is made from the applicant terminal 100 to the account management server (not shown) of the account opening financial institution to send a transfer request to the funding carrier 50 account. You may do it.

In the unsecured funding system of the present embodiment, the system center server 500 is used as a server of the funding carrier 50 and communicates with the applicant terminal 100 used by the funding applicant 10 and the public line network / dedicated line. The system is connected via a network and includes a system center server salary data input unit 510, a system center server database 520, a system center server communication unit 530, a salary record calculation unit 540, a bond pattern setting unit 550, and a redemption management unit 560.

FIG. 3 is a block diagram for explaining the configuration of the system center server 500 of FIG. Hereinafter, the system center server will be described with reference to FIG.
The system center server salary data input unit 510 is connected to an input device such as a keyboard and a storage medium reader, and receives salary data information paid by the funding applicant 10 in the past and the unsecured funding of this embodiment. The desired funding condition is entered. The input salary data information and desired funding condition data are stored in the system center server database 520.
If salary data information and desired funding condition data are transmitted from the applicant terminal 100 of the funding applicant 10, the data is stored in the system center server database 520.

The system center server database 520 is an applicant database that stores information on the funding applicants 10 that belong to the funding system, salary payer information on the funding applicants 10, and salary classification payer information on the funding applicants 10. And a salary payment database for storing attendance information such as past payment information of the funding applicant 10, overtime, absence, etc., and a bond redemption database for storing set funding conditions and redemption information.

The system center server communication unit 530 is connected to the applicant terminal 100 of the funding applicant 10, the account management server (not shown) of the account opening financial institution, the main bank (not shown) of the funding operator 50, and the like. The system center server 500 manages the entire communication including the mail server business, the FTP processing, the telephone line, the FAX, and the leased line communication processing including the LAN.

The unsecured funding system according to the present embodiment performs unsecured funding by setting a bond creation pattern including a bond period, bond ratio, and bond face value based on salary data information of the funding applicant 10. .
The input salary data information is submitted to the funding company 50 from the funding applicant 10 when receiving the unsecured funding of the present embodiment, and becomes data for setting a bond pattern. Therefore, it is preferable that the data is at least the latest one year. By using the data for the most recent year, it is possible to accurately grasp the fluctuation status of the amount received by the funding applicant 10 and to set a bond pattern that allows the bond redemption to be repaid without difficulty.

In receiving the unsecured funding of the present embodiment, the desired funding condition submitted from the funding applicant 10 to the funding company 50 is used for setting a bond pattern.
The desired funding condition items include the desired face value of the payable bond purchase bond, the ratio of the desired bond to the subsidy amount obtained by subtracting the total deduction from the total payment amount, and the desired bond conversion period corresponding to the redemption period of the bond. Can be mentioned.
It is preferable to set an upper limit for the ratio of bond deductions, for example, to set the upper limit of the debenture ratio to 50% of the salary deduction amount so that the bond redemption can be redeemed reasonably. In order to avoid troubles such as unemployment before reimbursement, it is preferable to set a reimbursement deadline within one year, for example.

The salary record calculation unit 540 generates a bond pattern for each daily, weekly, or monthly salary payment based on the past record of salary data submitted from the funding applicant 10 to the funding company 50. Calculate the amount of stable salary to be used for setting.
Next, the actual stable salary payment amount for each period obtained by accumulating the actual stable salary payment amount for each predetermined period is calculated and stored in the system center server database 520.
The amount of stable salary payment is the amount obtained by subtracting the fluctuation factor due to overtime allowance from the take-up salary, and is obtained by the following formula. can do.
{Stable salary payment amount} = {Total payment amount}-{Overtime allowance}-{Total deduction amount}
By using the stable salary payment amount for setting a bond pattern, it is possible to mitigate the impact on salary payments due to fluctuations in salary payments due to fluctuations in overtime due to economic fluctuations and seasonal fluctuations.

If there is a loan that needs to be repaid in addition to the repayment deducted from the salary, in addition to the salary data, the borrowing record and loan repayment record data will be submitted, and the loan repayment amount excluding payroll deduction from the actual stable salary payment amount It is preferable that the actual real take-up salary is calculated and used to set the bond face value.
By setting the face value of the bond based on the stable salary payment amount, it becomes difficult to set an unreasonable bond and the redemption of the bond redemption can be completed smoothly.

Bond bond pattern setting section 550 includes bond face value setting section 552 for setting the face value and redemption start date of future payable bond purchase bonds, bond purchase price setting section 554 for setting bond purchase price from funding applicant 10, and funding A bond pattern notification unit 556 that notifies the applicant's terminal 100 of the bond pattern is provided.

The bond face value setting unit 552 uses the desired bond conversion target period and the previous year's actual stable salary payment amount data stored in the system center server database 520, and accumulates the previous year's actual stable salary supply total corresponding to the desired bond conversion target period. Calculate the amount.
Subsequently, the bond face value setting unit 552 divides the desired bond face value of the funding applicant 10 by the accumulated amount of the previous year's actual stable salary corresponding to the desired bond conversion period, and accumulates the previous year's actual amount of stable salary supply. Calculate the ratio of the face value of the desired bond to.

If the ratio of the face value of the desired bond to the calculated cumulative amount of stable salary in the previous year is greater than 1, that is, if the face value of the desired bond exceeds the accumulated amount of stable salary in the previous fiscal year of the desired bond conversion period, Extend the calculation period, calculate the corresponding accumulated amount of stable salary in the previous year and calculate the ratio of the face value of the desired bond to the accumulated amount of stable salary in the previous year. Repeat until the ratio of the face value of the desired bond to the value approximates the ratio of the desired bond.
In the above calculation, it is preferable to extend the calculation period for each salary receipt cycle of the funding applicant 10, for example, if it is a monthly receipt, the monthly period extension is 1 year. It is preferable to be within.

The bond face value setting unit 552, if a target period in which the ratio of the desired bond face value to the accumulated amount of stable salary payments for the previous fiscal year approximates the desired bond ratio is found, sets that period as the bond target period, The desired bond face value used is set as the bond face value of the future payable bond purchase bond, and the value obtained by dividing the bond face value by the accumulated amount of stable salary payments for the previous fiscal year corresponding to the period to be converted into bonds is set as the bond ratio. These are stored in the system center server database 520.
The redemption start date is not particularly limited as long as it is after the day following the start date of the bond period, but, for example, if the payer 20 pays at the end of the month, the start month of the bond period will correspond to this. It is preferable to start redemption from the following month.

The period to be converted into bonds is not particularly limited, but is usually set to one year, and depending on the purpose of raising liquidity at hand, the period may be set to three months, six months, etc. . In addition, the period to be converted into bonds can be set in units of salary due to the ease of bond conversion and redemption management, for example, daily unit for daily salary system, week unit for weekly salary system, monthly unit for monthly salary system. preferable.
There are no particular restrictions on the bond rate, but it is usually 10-30%, and the bond rate is also equivalent to the bond redemption rate from the salary of the funding applicant 10 during the period to be fixed. In order to prevent deficiency applicants 10 from having a shortage of cash at hand, it is preferable to set an upper limit on the rate of bondization, and the upper limit of the rate of bondization is the accumulated amount of stable salary payments for the previous fiscal year corresponding to the period subject to bondization. A value corresponding to 50% is preferable.

The bond purchase price setting unit 554 sets the bond purchase price from the funding applicant 10 by subtracting the commission and interest from the face value of the future payable bond purchase bond, for example, on the salary payment date of the start month of the bond conversion period A redemption start date is set and stored in the system center server database 520.
The set face value of bond, bond ratio and bond redemption ratio, redemption start date, and purchase price are applied to the applicant terminal 100 of the funding applicant 10 from the bond formation pattern notification section 556 via the system center server communication section 530. Sent to.

Next, functions and operations of the redemption management unit 560 of the system center server 500 according to the present embodiment will be described.
The redemption management unit 560 that manages redemption of future trade receivables purchased bonds, the redemption amount setting unit 562 that calculates the redemption amount, the redemption status determination unit 564 that determines the end of redemption and the extension of the redemption period, the set redemption amount, A redemption notification unit 566 is provided to notify the end of redemption of the bond redemption and the extension of the redemption period.

The funding operator 50 concludes a purchase price transfer contract with the funding applicant 10 based on the set bond pattern.
When a contract for transferring the receivable purchase price is concluded between the funding applicant 10 and the funding business operator 50, and the period for converting the future salary receivable purchase bond into a bond is started, the system center server 500 receives the funding application. From the applicant terminal 100 of the applicant 10, salary data information of the funding applicant 10 after the start date of the period to be converted into bonds is transmitted.

The redemption amount setting unit 562 calculates the redemption amount received based on salary data information of the funding applicant 10 after the start date of the period to be converted into bonds. Reimbursement proceeds are calculated by multiplying the subsidy amount obtained by subtracting the total deduction amount from the total remuneration amount by the redemption rate (same rate as the rate of bond). The calculated redemption amount is stored in the system center server database 520.
The redemption amount setting unit 562 compares the fixed amount payment redemption amount transmitted from the applicant terminal 100 with the received redemption amount stored in the system center server database 520, and if the two match, determines the current redemption amount. Outputs information on confirmation of redemption amount received during the period.
If the two do not match, a redemption amount review request is transmitted to the applicant terminal 100.

The redemption status determination unit 564 that determines the end of redemption accumulates the amount of redemption received after the beginning of the period to be converted into a bond, and if the accumulated amount of redemption received is equal to or greater than the nominal value of the bond, The received redemption money is set as the final received redemption money, and the redemption notification unit 566 is notified that the final received redemption money is set and the redemption of the bond is completed.
The final redemption amount will be rounded down so that the accumulated redemption amount will be the same as the bond face value, and will match the final redemption amount sent from the applicant terminal 100. For example, the final redemption amount is determined and the current redemption information is output.
The redemption status determination unit 564 notifies the redemption notification unit 566 of the extension of the redemption period if the accumulated redemption amount does not reach the bond face value even after the period to be converted into bonds. The extension of the redemption period continues until the accumulated redemption amount reaches the face value of the bond.

The redemption notification unit 566 informs the applicant terminal 100 of the funding applicant 10 of the redemption amount set by the redemption amount setting unit 562 and whether the redemption status determination unit 564 determines whether the redemption of the bond has been completed and whether the redemption period has been extended. Notification is made via the system center server communication unit 530 as a notification of redemption amount for the current period.
Notification of redemption amount received during the period from the redemption notification unit 566 via the communication unit 510 includes not only the redemption amount received during the current period, whether or not the redemption of the bond has ended, and whether or not the redemption period has been extended. , Bond ratio, bond period, redemption start date, cumulative redemption amount including current redemption, and redemption balance.

FIG. 4 is a diagram for explaining a scheme of an unsecured funding system between three parties of a funding applicant 10, a payer 20, and a funding company 50 according to the second embodiment of the present invention. The implementation of this scheme also presupposes the conclusion of a purchase price transfer contract between the funding applicant 10 and the funding operator 50.

With reference to FIG. 4, the flow of the scheme of this embodiment will be described.
The funding applicant 10 sells a part of the unsettled future salary receivable of the funding applicant 10 to the funding operator 50 as a bond. Pay the purchase price. As a result, the funding applicant 10 secures the necessary liquidity without collateral, and if the period of time for the sale of the bond that has been sold comes, the funding applicant 10 Pay a certain percentage of the salary paid as a redemption.
Regarding the payment of redemption money, the funding applicant 10 requests the salary payer 20 to pay the bond redemption money to the funding business operator 50. Pays the bond redemption money to the funding company 50 and provides the funding applicant 10 with the remaining salary.
Payment of bond redemption money to the funding company 50 starts from the start date of the period to be converted into a bond, and the face value of the bond purchased by the funding company 50 and the redemption that the funding company 50 received redemption. Continue until the total amount matches.

FIG. 5 shows an unsecured system comprising an applicant terminal 110 used by the funding applicant 10 according to the present embodiment, an employee management server 210 used by the payer 20 and a system center server 600 used by the funding company 50. It is a block diagram for demonstrating the structure of a funding system.

In this embodiment, the applicant terminal 110 of the funding applicant 10, the employee management server 210 used by the payer 20, and the system center server 600 of the funding company 50 are commercially available PCs (personal computers) or the like. A CPU (Central Control Unit) that configures a PC, a memory, a storage device such as a hard disk that configures a database, a display device that displays images, text, and the like for management, an input such as a keyboard and a mouse Description of the device and other input devices related to communication and the configuration drawings thereof are omitted. Further, detailed description of each component that functions by executing a software program using these will be omitted.

The applicant terminal 110 according to the present embodiment includes an applicant terminal input unit 111 that inputs salary data of salary received by the funding applicant 10, an applicant terminal that stores input salary data information, and set funding conditions. It has an applicant terminal communication unit 113 that transmits and receives the database 112, salary data information, and information related to redemption money between the employee management server 210 and the system center server 600.

The applicant terminal input unit 111 is connected to an input device such as a keyboard and a storage medium reading device, and inputs salary data information of salary received by the funding applicant 10 and desired funding conditions for the funding application.
The entered actual salary data information and desired funding conditions are transmitted to the system center server 600 via the applicant terminal communication unit 113 at the time of funding application.
Since the input salary data information is the same as that of the first embodiment, the description thereof is omitted.
The salary data information may be input by transmitting the information received in the form of electronic information from the employee management server 210 of the salary supplier 20 to the system center server 600, or directly from the employee management server 210 of the salary supplier 20. You may make it transmit to the system center server 600. FIG.
When applying for unsecured funding in this embodiment, the items of desired funding conditions submitted from the funding applicant 10 to the funding company 50 are also the same as those in the first embodiment, so the explanation is as follows. Omitted.

Since the functions of the applicant terminal database 112 and the applicant terminal communication unit 113 of the applicant terminal 110 of the present embodiment are the same as those of the applicant terminal 100 of the first embodiment, the description thereof is omitted.
In this embodiment, payment of the redemption money is entrusted to the salary supplier 20.
The applicant terminal 110 receives salary data information from the employee management server 210 used by the salary payer 20 on and after the start date of the period to be converted into bonds, and payment redemption information transmitted when the redemption is paid. Store in the applicant terminal database 112.
The applicant terminal 110 also receives a redemption end and redemption period extension notification transmitted from the system center server 600 used by the funding carrier 50 and stores it in the applicant terminal database 112.

The employee management server 210 used by the payer 20 is a server used by the payer 20 for salary calculation and salary supply procedures. Since a commercially available software program can be used as the software program for performing the salary calculation and the salary supply procedure, only functions unique to the present embodiment will be described here.

The employee management server 210 according to the present embodiment includes an employee management server input unit 211 that inputs salary data of salary to be paid to the funding applicant 10, an employee management server database 212 that stores input salary data information, and an application Employee terminal 110, employee management server communication unit 213 that transmits / receives to / from system center server 600, employee management server redemption calculation unit 214 that calculates the current redemption amount, and employee management server redemption amount that corrects the amount of the final redemption amount A correction unit 215 is included.

The employee management server input unit 211 is connected to an input device such as a keyboard or a storage medium reading device, and receives payment request details of redemption requested by the funding applicant 10 and information on the redemption payment account.
The contents of the redemption payment request include funding conditions including the payment method of the redemption of the bond set between the funding business operator 50 and the funding applicant 10. The payment of the redemption of the bond is made based on the payment request contents of the redemption.

The employee management server database 212 stores employee salary management information such as employee salary data information, employee working status information such as attendance, and the contents of payment requests for input redemption money. .
The employee management server communication unit 213 performs communication work with the applicant terminal 110 and the system center server 600.

The employee management server redemption calculation unit 214 calls the salary data information of the funding applicant 10 after the start date of the bond conversion period stored in the employee management server database 212, and after the start date of the bond conversion period. The amount to be redeemed for the current period is calculated by multiplying the deduction payment amount obtained by subtracting the total deduction amount from the total salary payment amount of the current salary, and stored in the employee management server database 212. The reimbursement amount for the current period is fixed or corrected in the next employee management server redemption correction unit 215.

The employee management server redemption correction unit 215 accumulates the current payment redemption amounts stored in the employee management server database 212 starting from the start date of the period to be converted into bonds in order of payment date, and calculates the accumulated redemption amount.
The employee management server redemption correction unit 215 determines that the current payment redemption amount calculated by the employee management server redemption calculation unit 214 is the final payment payment amount when the accumulated payment redemption amount is less than the bond face value. The payment redemption information in which the latest fixed current payment redemption amount is described is output, and the payment redemption information is transmitted to the system center server 600 via the employee management server communication unit 213.
The employee management server redemption correction part 215 sets the current redemption amount at the time when the calculated total redemption amount is equal to or greater than the bond face value to the final current payment redemption amount, The accumulated redemption amount before the most recent current redemption amount is accumulated from the amount of the current redemption amount when the bond face value is greater than or equal to the bond face value, so that the accumulated redemption amount is the same as the bond face value. It is adjusted to the amount obtained by subtracting the difference between the bond face value.
The revised current payment redemption amount is recorded in the redemption information as a fixed current payment redemption amount. The applicant terminal redemption correction unit 105 outputs the payment redemption information and transmits the payment redemption information to the system center server 600 via the employee management server communication unit 213.

When the payer redemption information is output and the redemption confirmation information is received from the system center server 600, the salary payer 20 uses the salary of the funding applicant 10 to obtain an amount corresponding to the fixed redemption amount for the current period. Pay to the ping operator 50.
The payment to the funding company 50 of the final payment amount is sent from the employee management server 210 to the account management server (not shown) of the account opening financial institution to transfer the funding company 50 to the account. You may carry out like this. Moreover, you may make it transfer to the account of the funding company 50 via the account of the funding applicant 10 name transfer to the account of the funding company 50.

Since the system center server 600 according to the present embodiment has the same basic functions and configuration as the system center server 500 according to the first embodiment, the system center server 600 according to the second embodiment is the same as the system center server 600 according to the first embodiment. Only differences from the system center server 500 will be described below.
The system center server 600 according to the present embodiment is connected to the terminal 110 used by the funding applicant 10 and the employee management server 210 used by the salary payer 20 via a communication network such as a public line network or a dedicated line. Similar to system center server 500 in the first embodiment, system center server salary data input unit 610, system center server database 620, system center server communication unit 630, salary record calculation unit 640, bond pattern setting unit 650, system A center server redemption management unit 660 is provided.

The system center server salary data input unit 610 of the system center server 600 according to the present embodiment receives salary data and desired funding condition data from the applicant terminal 110 or the employee management server 210, and sends the data to the system. Store in the center server database 620.
When the bond pattern is set, the bond pattern setting unit 650 of the system center server 600 according to the present embodiment sets the face value of bond, bond ratio and bond redemption ratio, redemption start date, purchase price, etc. A bond pattern is notified to the applicant terminal 110 and the employee management server 210.

In the present embodiment, when a loan purchase price transfer contract is concluded between the funding applicant 10 and the funding business operator 50, and the period to be converted into bonds of the future payable bond purchase bond starts, the system center server 600 Is sent from the employee management server 210 of the salary payer 20 salary data of the funding applicant 10 after the start date of the period to be converted into bonds.
The reimbursement management unit 660 of the system center server 600 according to the present embodiment totals and collects the amount of receipt of salary for each predetermined period based on the salary data of the funding applicant 10 after the start date of the bond conversion period. The received redemption amount is calculated by multiplying the received receipt amount by the redemption rate (same rate as the bond ratio) and stored in the system center server database 620. In addition, when a loan other than that deducted from the salary has been applied by the funding applicant 10, it is preferable that a value obtained by further subtracting the loan repayment amount from the salary deduction amount is set as the manual receipt amount.
The redemption management unit 660 compares the fixed-period payment redemption amount transmitted from the employee management server 210 with the redemption amount stored in the system center server database 620, and if the two match, determines the current redemption amount. Outputs information on confirmation of redemption amount received during the period.
Similarly, for the final redemption, if the final redemption amount transmitted from the employee management server 210 matches the final redemption amount, the final redemption amount is determined and the current redemption amount confirmation information is output.
The redemption management unit 660 transmits redemption information that informs the applicant terminal 110 and the employee management server 210 whether or not the redemption of the bond has ended and whether or not the redemption period has been extended.

FIG. 6 is a diagram illustrating a scheme of an unsecured funding system among four parties of a funding applicant 10, a payer 20, a separate payer 30, and a funding operator 50 according to a third embodiment of the present invention. In the implementation of this scheme, it is also assumed that a contract for transferring the purchase price of receivables between the funding applicant 10 and the funding operator 50 is concluded.

With reference to FIG. 6, the flow of the scheme of this embodiment will be described.
The funding applicant 10 sells a part of the unsettled future salary receivable of the funding applicant 10 to the funding operator 50 as a bond. Pay the purchase price. As a result, the funding applicant 10 secures the necessary liquidity without collateral, and if the period of time for the sale of the bond that has been sold comes, the funding applicant 10 Pay a certain percentage of the salary paid as a redemption.
Regarding the payment of redemption money, the funding applicant 10 entrusts the separate payer 30 to make a separate payment of the salary of the funding applicant 10 and pays the salary payer 20 the entire amount of the salary of the funding applicant 10 separately. Requesting the person 30 to pay.
The salary payer 20 of the salary of the funding applicant 10 pays the full amount of the salary of the funding applicant 10 to the separation payer 30 and receives the full salary of the funding applicant 10 The bond redemption money is paid to the funding company 50 from the saling of the funding applicant 10 and the remainder of the salary minus the separate payment fee is paid to the funding applicant 10.
Payment of bond redemption money to the funding company 50 starts from the start date of the period to be converted into a bond, and the face value of the bond purchased by the funding company 50 and the redemption that the funding company 50 received redemption. Continue until the total amount matches.

FIG. 7 shows an applicant terminal 120 used by the funding applicant 10 according to the present embodiment, an employee management server 220 used by the salary payer 20, a classification payment server 320 used by the classification payer 30, and a funding operator. It is a block diagram for demonstrating the structure of the unsecured funding system which consists of the system center server 700 which 50 uses.

In this embodiment, the applicant terminal 120 used by the funding applicant 10, the employee management server 220 used by the salary payer 20, the classification payment server 320 used by the classification payer 30, and the funding company 50 are used. The system center server 700 can be configured using a commercially available PC (personal computer) or the like, and is a storage device such as a CPU (central control unit), memory, and hard disk that constitutes a database, and management. A description of the display device for displaying images, text, etc., an input device such as a keyboard and a mouse, and other input devices related to communication and the configuration drawings thereof will be omitted. Further, detailed description of each component that functions by executing a software program using these will be omitted.

The applicant terminal 120 according to the present embodiment includes an applicant terminal input unit 121 that inputs salary data of salary received by the funding applicant 10, an applicant terminal that stores input salary data information, and set funding conditions. It has an applicant terminal communication unit 123 that transmits / receives the database 122, salary data information and redemption information to / from the employee management server 220, the separate payment server 320, and the system center server 700.

The applicant terminal input unit 121 is connected to an input device such as a keyboard and a storage medium reading device, and inputs salary data of salary received by the funding applicant 10, desired funding conditions for the funding application, and the like.
The input salary data and desired funding conditions are transmitted to the system center server 700 via the applicant terminal communication unit 123.
Since the input salary data information is the same as that of the first embodiment, the description thereof is omitted.
The salary data may be input by sending the information received from the employee management server 220 of the salary supplier 20 in the form of electronic information to the system center server 700, or directly from the employee management server 220 of the salary supplier 20. You may make it transmit to the center server 700. FIG.
When applying for unsecured funding in this embodiment, the items of desired funding conditions submitted from the funding applicant 10 to the funding company 50 are also the same as those in the first embodiment, so the explanation is as follows. Omitted.

Since the functions of the applicant terminal database 122 and the applicant terminal communication unit 123 of the applicant terminal 120 of the present embodiment are the same as those of the applicant terminal 100 of the first embodiment, description thereof is omitted.
In this embodiment, the payment of redemption money is entrusted to the separate payer 30.
The applicant terminal 120 receives salary data information from the employee management server 220 used by the salary payer 20 on and after the start date of the period to be converted into bonds, stores it in the applicant terminal database 122, and sorts the payer 30. The payment redemption information transmitted at the time of payment of redemption money is received from the separate payment server 320 used by the customer and stored in the applicant terminal database 122.
The applicant terminal 120 also transmits salary data information from the employee management server 220 on and after the start date of the period to be converted into bonds to the separate payment server 320.

The employee management server 220 used by the salary payer 20 is a server used by the salary payer 20 for salary calculation and salary supply procedures.
The employee management server 220 according to this embodiment includes an employee management server input unit 221 that inputs salary data of salary to be paid to the funding applicant 10, an employee management server database 222 that stores the input salary data information, and an application Employee management server communication unit 223 for transmitting / receiving to / from the employee terminal 120, the separate payment server 320, and the system center server 700.
Since the software configuration for payroll calculation and salary supply procedure, the device configuration of the PC, the device configuration of the PC having the input means, the storage means, and the communication means are well known, description thereof is omitted here.
The functions of the employee management server input unit 221, employee management server database 222, and employee management server communication unit 223 are the same as those of the employee management server 210 of the second embodiment, and a description thereof will be omitted. .

The sorted payment management server 320 used by the sorted payer 30 is a server used by the sorted payer 30 for sorted payment agency work.
The separate payment management server 320 according to the present embodiment has a function of calculating bond redemption for future salary receivables for the deposited salary, in addition to the function of delivering the deposited money used for the separate payment agent business. . Here, the function for calculating the bond redemption amount of a future salary loan peculiar to the present embodiment will be described.

The classification payment management server 320 in this embodiment includes a classification payment management server input unit 321 for inputting salary data of salary to be provided to the funding applicant 10, a classification payment management server database 322 for storing input salary data information, Applicant terminal 120, employee management server 220, separate payment management server communication unit 323 that transmits / receives to / from system center server 800, separate payment management server redemption calculation unit 324 that calculates the current redemption, and corrects the amount of final redemption And a separate payment management server redemption correction unit 325.

The sorted payment management server input unit 321 is connected to an input device such as a keyboard and a storage medium reader, and inputs salary data of salary received by the funding applicant 10.
The input of salary data may be input of electronic information transmitted from the applicant terminal 120 or the employee management server 220.
The sorted payment management server database 322 stores input salary data information, information on the set funding conditions, redemption information such as current payment redemption amount, final current payment redemption amount, and the like.
The separate payment management server communication unit 323 is connected to the applicant terminal 120, the employee management server 220, the system center server 800, etc., and includes mail processing, FTP server processing, leased line communication processing including telephone, FAX, and LAN. And the entire communication of the separate payment management server 320 is managed.

The segregation payment management server redemption calculation unit 324 calls salary data information after the start date of the bondization period stored in the separate payment management server database 322, and the total salary payment after the start date of the bondization period The deduction amount is subtracted from the deduction amount to be paid and multiplied by the bond ratio set at the time of funding application to calculate the current payment redemption amount and store it in the separate payment management server database 322.
The segregation payment management server redemption correction unit 325 accumulates the current payment redemption amounts after the start date of the bond-bonding period stored in the segregation payment management server database 322 in order of payment date, and calculates the accumulated redemption amount, If the calculated accumulated redemption amount is less than the bond face value, the latest current payment redemption amount calculated by the segregation payment management server redemption calculation unit 324 is set as the final payment amount, and the calculated accumulated redemption amount is the bond. If the face value is equal to or greater than the face value, the redemption amount is calculated by subtracting the difference between the accumulated payment redemption amount and the bond face amount from the latest payment amount redemption calculated by the separate payment management server redemption calculation unit 324. Output gold information.

The classification payer 30 pays the described current payment redemption amount to the funding company 50 when the payment redemption information is output.
Further, when the payment amount for the current period is determined, the separate payment management server 320 outputs the payment redemption information, and transfers the funds to the account of the funding company 50 to the account management server (not shown) of the account opening financial institution. You may make it transmit a request.

Since the system center server 700 according to the present embodiment has the same basic functions and configuration as the system center server 500 according to the first embodiment, the system center server 700 according to the third embodiment is the same as the system center server 700 according to the first embodiment. Only differences from the system center server 500 will be described below.

The system center server 700 according to the present embodiment includes a terminal 120 used by the funding applicant 10, an employee management server 220 used by the salary payer 20, a sorted payment management server 320 used by the sorted payer 30, and a public line. A system center server salary data input unit 710, a system center server database 720, a system center server communication unit 730, which are connected via a communication network such as a network / dedicated line, as in the system center server 500 in the first embodiment. A salary record calculation unit 740, a bond pattern setting unit 750, and a redemption management unit 760 are provided.

The system center server salary data input unit 710 of the system center server 700 according to the present embodiment receives the salary data and desired funding condition data from the applicant terminal 120 or the employee management server 220. The data input unit 710 stores the data in the system center server database 720.
When the bond pattern is set, the bond pattern setting unit 750 of the system center server 700 according to the present embodiment sets the face value of bond, bond ratio and bond redemption ratio, redemption start date, purchase price, etc. The bond pattern is notified to the applicant terminal 120, the employee management server 220, and the separate payment management server 320.

In this embodiment, when a fund purchase price transfer contract is concluded between the funding applicant 10 and the funding business operator 50, and the period for converting the future payable bond purchase bond into a bond is started, the system center server 700 Is sent from the applicant terminal 120 of the funding applicant 10 or the employee management server 220 of the salary payer 20 of salary data of the funding applicant 10 after the start date of the period to be converted into bonds.
The redemption management unit 760 of the system center server 700 according to the present embodiment transmits redemption information notifying whether the redemption of the bond has ended and whether the redemption period has been extended to the applicant terminal 120 and the separate payment management server 320.

The embodiments of the present invention have been described above with reference to the drawings. However, the present invention is not limited to the above-described embodiments, and various modifications can be made without departing from the technical scope of the present invention. Is possible.

DESCRIPTION OF SYMBOLS 10 Funding applicant 20 Salary payer 30 Sorted payer 50 Funding business operator 100, 110, 120 Applicant terminal 101, 111, 121 Applicant terminal input part 102, 112, 122 Applicant terminal database 103, 113, 123 Applicant terminal communication unit 104 Applicant terminal redemption calculation unit 105 Applicant terminal redemption correction unit 210, 220 Employee management server 211, 221 Employee management server input unit 212, 222 Employee management server database 213, 223 Employee Management server communication unit 214 Employee management server redemption calculation unit 215 Employee management server redemption correction unit 320 Sorted payment management server 321 Sorted payment management server input unit 322 Sorted payment management server database 323 Sorted payment management server communication unit 324 Separate payment management server redemption calculation unit 325 Sorted payment management server redemption correction unit 500, 600, 700 System center server 510, 610, 710 System center server input unit 520, 620, 720 System center server database 530, 630, 730 system Center server communication unit 540, 640, 740 Salary record calculating unit 550, 650, 750 Bonding pattern setting unit 551, 651, 751 Accepting unit 552, 652, 752 Final sales totaling unit 553, 653, 753 Bond face value setting unit 554 , 654, 754 Bond purchase price setting unit 555, 625, 755 Bonding pattern notification unit 560, 660, 760 Redemption management unit 561, 661, 761 Redemption target selection unit 562, 662, 762 Redemption amount setting unit 563, 66 , 763 redemption situation determination unit 564,664,764 redemption notification unit

Claims (4)

1. An unsecured funding system in which an applicant terminal used by a funding applicant and a system center server used by a funding company are connected by a communication network, and the funding applicant supports the purchase of unsettled future salary claims. Because
   The system center server is
   An input means for entering salary data information of the actual salary already paid by the funding applicant, salary data information of the salary received after the start date of the target period for converting future salary bonds into bonds,
   Stores the salary data information of the actual salary of the funding applicant, salary data information of the salary received after the start date of the target period for converting future salary bonds into bonds, funding condition data, and the accumulated amount of redemption of redeemed bonds Storage means for
   Based on the salary data information of the actual salary of the funding applicant stored in the storage means, the actual salary for calculating the actual stable salary by subtracting the overtime allowance and the total deduction from the total salary payment A calculation means;
   Based on the calculated stable salary payment amount, a target period for converting the future salary loan into a bond is set, and the accumulated amount of the stable salary payment during the actual period corresponding to the target period for converting the future salary bond into a bond is Bonding pattern setting means for setting the face value of purchased bonds for future salary claims by multiplying the conversion rate;
   Based on the salary data information from the start date of the target period for converting future payables into bonds, calculate the redemption amount for the current period by multiplying the deduction amount by subtracting the total deduction amount from the total payment amount and the receivable ratio. Judgment is made as to whether or not the accumulated redemption amount obtained by accumulating the redemption amount for the period is equal to the face value of the purchased bond of the future salary receivable, and the accumulated redemption amount and the purchased bond of the future payable loan If the face value is determined to match, a notice is sent to notify the end of redemption of the purchased bond of the future salary receivable, and the redemption amount received even after the target period to convert the future payable bond into bonds When it is determined that the accumulated amount and the face value of the purchased bond of the future salary claim do not match, the redemption management means for outputting a notice notifying the extension of the redemption period of the purchased bond of the future payable claim;
   An unsecured funding system characterized by comprising:
2. The applicant terminal is
   Salary data information transmitting means for transmitting salary data information of the funding applicant after the start date of the target period for converting future salary claims into bonds, to the system center server;
   A redemption calculation means for calculating a redemption amount for the current period by multiplying the deduction ratio by a deduction amount obtained by subtracting a total deduction amount from the total payment amount of the funding applicant,
   Finalized the redemption amount for the current period when the accumulated redemption amount for the current period from the start date of the period to convert the future salary bond into a bond is equal to or greater than the face value of the purchased bond of the future salary receivable Reimbursement correction means for adjusting the amount of the final current payment redemption so that the accumulated redemption amount is the same as the face value of the purchased bond of the future salary receivable The unsecured funding system according to claim 1.
3. An applicant terminal used by a funding applicant, an employee management server used by a payer who provides salary as compensation for the working of the funding applicant, a system center server used by a funding operator, Is an unsecured funding system that is connected by a communication network and supports the purchase applicant's purchase of uncertain future salary receivables,
   The system center server is
   An input means for entering salary data information of the actual salary already paid by the funding applicant, salary data information of the salary received after the start date of the target period for converting future salary bonds into bonds,
   The salary data information of the actual salary of the funding applicant, the salary data information of the salary received after the start date of the target period for converting the future salary bond into bonds, the funding condition data, and the accumulated amount of the redemption of the redeemed bond Storage means for storing;
   Based on the salary data information of the actual funding applicant stored in the storage means, the actual salary calculation for calculating the actual stable salary by subtracting the overtime allowance and the total deduction from the total salary payment Means,
   Based on the calculated stable salary payment amount, a target period for converting the future salary loan into a bond is set, and the accumulated amount of the stable salary payment during the actual period corresponding to the target period for converting the future salary bond into a bond is Bonding pattern setting means for setting the face value of purchased bonds for future salary claims by multiplying the conversion rate;
   Based on the salary data information from the start date of the target period for converting the future salary receivables into bonds, calculate the amount of redemption received during the current period by multiplying the deduction amount by subtracting the total deduction amount from the total payment amount and the receivable ratio. It is determined whether or not the accumulated redemption amount obtained by accumulating the redemption amount for the current period matches the face value of the purchased bond of the future salary receivable, and the accumulated redemption amount received and the purchase of the future salary receivable When it is determined that the face value of the bond is the same, a notice is sent to notify the end of redemption of the purchased salary receivable of the future salary receivable, and the redemption received even after the target period for converting the future payable receivable into a bond When it is determined that the accumulated amount of money and the face value of the purchased bond of the future salary claim do not match, the redemption management means for outputting a notice notifying the extension of the redemption period of the purchased bond of the future payable claim; Have
   The employee management server includes:
   Salary data information transmitting means for transmitting the salary data information of the funding applicant after the start date of the target period for converting the future salary bond into a bond to the system center server;
   A repayment calculation means for calculating a repayment for the current period by multiplying the deduction ratio by a deduction amount obtained by subtracting a total deduction amount from the total supply amount of the salary of the funding applicant;
   The redemption amount for the current period when the accumulated redemption amount for the current period from the start date of the subject period for converting the future salary bond into a bond is equal to or greater than the face value of the purchased bond for the future salary loan. Reimbursement amendment means for adjusting the amount of the reimbursement of the final current period so that the accumulated amount of the reimbursement amount is equal to the face value of the purchased bond of the future salary receivable An unsecured funding system, characterized by comprising:
4. The applicant terminal used by the funding applicant, the employee management server used by the salary payer who provides salary as compensation for the working of the funding applicant, and the separation for separately paying the salary of the funding applicant Unsecured funding that supports the purchaser's uncertain future salary receivables, where the payer's separate payment management server and the system center server used by the funding carrier are connected via a communication network. A system,
   The system center server is
   An input means for entering salary data information of the actual salary already paid by the funding applicant, salary data information of the salary received after the start date of the target period for converting future salary bonds into bonds,
   The salary data information of the actual salary of the funding applicant, the salary data information of the salary received after the start date of the target period for converting the future salary bond into bonds, the funding condition data, and the accumulated amount of the redemption of the redeemed bond Storage means for storing;
   Based on the data information on the actual salary of the funding applicant stored in the storage means, the actual salary calculation for calculating the actual stable salary payment amount by subtracting the overtime allowance and the total deduction amount from the total salary payment amount Means,
   Based on the calculated stable salary payment amount, a target period for converting the future salary loan into a bond is set, and the accumulated amount of the stable salary payment during the actual period corresponding to the target period for converting the future salary bond into a bond is Bonding pattern setting means for setting the face value of purchased bonds for future salary claims by multiplying the conversion rate;
   Based on the salary data information from the start date of the target period for converting the future salary receivables into bonds, calculate the amount of redemption received during the current period by multiplying the deduction amount by subtracting the total deduction amount from the total payment amount and the receivable ratio. It is determined whether or not the accumulated redemption amount obtained by accumulating the redemption amount for the current period matches the face value of the purchased bond of the future salary receivable, and the accumulated redemption amount received and the purchase of the future salary receivable When it is determined that the face value of the bond is the same, a notice is sent to notify the end of redemption of the purchased salary receivable of the future salary receivable, and the redemption received even after the target period for converting the future payable receivable into a bond When it is determined that the accumulated amount of money and the face value of the purchased bond of the future salary claim do not match, the redemption management means for outputting a notice notifying the extension of the redemption period of the purchased bond of the future payable claim; Have
   The applicant terminal is
   Salary data information transmitting means for transmitting salary data information of the funding applicant after the start date of the target period for converting the future salary bond into a bond to the separate payment management server;
   The separate payment management server
   A repayment calculation means for calculating a repayment for the current period by multiplying the deduction ratio by a deduction amount obtained by subtracting a total deduction amount from the total supply amount of the salary of the funding applicant;
   The redemption amount for the current period when the accumulated redemption amount for the current period from the start date of the subject period for converting the future salary bond into a bond is equal to or greater than the face value of the purchased bond for the future salary loan. Reimbursement correction means for adjusting the amount of the reimbursement of the final current payment so that the accumulated reimbursement amount is the same as the face value of the purchased bond of the future salary receivable, An unsecured funding system characterized by comprising:

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