JP4540002B2 - Inter-account settlement processing apparatus using electronic record receivable and inter-account settlement processing method - Google Patents
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Description
本発明は、電子記録債権にかかる決済明細データを利用して、債権者と債務者の口座間の決済を行う口座間決済処理装置及び口座間決済の処理方法に関するものである。 The present invention relates to an inter-account settlement processing apparatus for performing settlement between an account of a creditor and a debtor using settlement detail data concerning an electronically recorded credit, and a processing method for settlement between accounts.
企業が商品やサービスを提供した対価として売上が発生すると、売上代金は直ちに現金で決済されるのではなく、一定のサイトを有する売掛債権が計上され、後日決済が行われることが多くなっている。かかる売掛債権について、二重譲渡のリスクや債権の存在確認にかかるコスト等の問題に対応するために、電子的に記録した債権に所定の法律上の効果を与える電子記録債権法が２００７年６月に成立した（非特許文献１参照）。 When sales occur as consideration for the provision of goods and services by companies, sales proceeds are not immediately settled in cash, but accounts receivables with certain sites are recorded and settlements are often made later. Yes. In 2007, the Electronically Recorded Receivables Act, which gives a prescribed legal effect to electronically recorded receivables, was addressed in order to deal with issues such as the risk of double transfer and the cost of confirming the existence of receivables. Established in June (see Non-Patent Document 1).
ところで、売掛債権の決済は、債務者の預金口座から債権者の預金口座への振込によって行われることが一般的である（例えば、特許文献１参照）。振込によって口座間の決済を行う際には、債務者の預金口座から決済代金を引き落とした後に債権者の預金口座への入金処理を行うことになるが、債務者の預金口座からの引落処理を行う際には、決済代金の引落額が預金口座の残高に対応する引落可能額に足りているかの確認が行われることになる（例えば、特許文献２参照）。 By the way, the settlement of accounts receivable is generally performed by transfer from the depositor's deposit account to the creditor's deposit account (see, for example, Patent Document 1). When making a settlement between accounts by transfer, after the payment amount has been deducted from the debtor's deposit account, the creditor's deposit account will be deposited. When the payment is made, it is confirmed whether or not the withdrawal amount of the settlement price is sufficient for the withdrawal possible amount corresponding to the balance of the deposit account (see, for example, Patent Document 2).
前述のとおり、売掛債権を決済する際には、債務者の預金口座からの引落処理が完了するまでは、債権者の預金口座へ決済代金の入金処理を行うことができない。そのため、債権者の預金口座へ決済代金が入金される時刻が遅くなってしまうという状況が生じやすくなっている。売掛債権の決済は月末等に集中することが多く、債権者は入金された資金を他の支払いに充てたい場合もあるため、入金処理はできるだけ速やかに行われることが望ましい。 As described above, when receivables are settled, payment processing of payment to the creditor's deposit account cannot be performed until the withdrawal process from the debtor's deposit account is completed. For this reason, it is easy to cause a situation in which the time for depositing the payment to the creditor's deposit account is delayed. Accounts receivable settlements are often concentrated at the end of the month, etc., and creditors may want to use the deposited funds for other payments.
ここで先に説明した電子記録債権について考えると、電子記録債権として記録された決済明細データは信頼性の高いものであり、かつ電子記録債権として登録する際に電子記録債権として記録する債権を選択することが可能であるため、かかる決済明細データを決済代金の迅速な入金処理に活用することが期待される。 Considering the electronically recorded receivables described above, the settlement details data recorded as electronically recorded receivables is highly reliable, and select the receivables to be recorded as electronically recorded receivables when registering as electronically recorded receivables Therefore, it is expected that such payment details data will be utilized for quick payment processing of the payment price.
本発明は、このような課題に対応するためになされたものであり、売掛債権を口座間で決済する際に、電子記録債権にかかる決済明細データを利用することによって、債権者の預金口座への速やかな入金処理を可能にする口座間決済処理装置及び口座間決済の処理方法を提供することを目的とするものである。 The present invention has been made in order to cope with such a problem. When an account receivable is settled between accounts, a deposit account of a creditor is obtained by using settlement details data concerning an electronically recorded receivable. It is an object of the present invention to provide an inter-account settlement processing apparatus and an inter-account settlement processing method that enable prompt deposit processing.
このような課題を解決する本発明は、電子記録債権を利用した口座間決済処理装置であって、振込を実行する振込日と、前記振込の振込金額と、前記振込金額を引き落とす振込依頼人の預金口座と、前記振込金額を入金する振込先の預金口座とに関する情報が少なくとも含まれ、かつ、電子記録債権による振込予約である場合には電子記録債権による振込予約であることを示すフラグが含まれた振込予約情報を記憶する振込予約情報記憶手段と、営業日毎の所定のタイミングで振込日の到来した振込予約情報を前記振込予約情報記憶手段から読み出し、前記振込予約情報に基づいて、前記振込依頼人の預金口座からの前記振込金額の引落処理と、前記振込先の預金口座への前記振込金額の入金処理とを実行する振込処理手段と、電子記録債権の記録機関システムから、電子記録債権の決済明細データを受け付ける決済明細受付手段と、電子記録債権の債権者毎に電子記録債権の決済に用いる預金口座番号を記憶する口座番号記憶手段と、前記決済明細データに指定された債権者の預金口座番号を前記口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振込日に、前記債権者の預金口座を振込先の預金口座に、前記決済明細データに基づく決済金額を振込金額に指定し、電子記録債権による振込予約であることを示すフラグを記録した振込予約情報を、前記振込予約情報記憶手段に登録する振込予約情報登録手段と、を備えていて、前記振込処理手段は、前記振込予約情報のフラグが電子記録債権による振込予約であることを示している場合には、振込日が到来すると引落処理が完了していなくても直ちに入金処理を実行し、前記振込予約情報のフラグが電子記録債権による振込予約であることを示していない場合には、引落処理が完了したことが確認された後に入金処理を実行することを特徴とする口座間決済処理装置である。
The present invention that solves such a problem is an inter-account settlement processing device using electronically recorded receivables, and is a transfer date for executing a transfer, a transfer amount of the transfer, and a transfer requester who deducts the transfer amount. Contains at least information on the deposit account and the deposit account of the transfer destination to receive the transfer amount , and if it is a transfer reservation by electronic record receivable, includes a flag indicating that it is a transfer reservation by electronic record receivable The transfer reservation information storage means for storing the transferred transfer reservation information, and the transfer reservation information that has arrived at the transfer date at a predetermined timing every business day is read from the transfer reservation information storage means, and the transfer is based on the transfer reservation information. A transfer processing means for executing a process of withdrawing the transfer amount from the deposit account of the client and a process of depositing the transfer amount to the deposit account of the transfer destination; Payment details receiving means for receiving payment details data of electronic recording receivables from the recording institution system, account number storage means for storing deposit account numbers used for the settlement of electronic recording receivables for each creditor of electronic recording receivables, and the payment details The deposit account number of the creditor specified in the data is read from the account number storage means, and the deposit account of the creditor is transferred with the settlement date specified from the due date specified in the settlement details data as the transfer date In the previous deposit account, the payment amount based on the payment details data is designated as the transfer amount, and the transfer reservation information in which the flag indicating the transfer reservation by the electronically recorded receivable is recorded is registered in the transfer reservation information storage means It has and a transfer reservation information registration unit, the transfer processing means indicates that the flag of the transfer reservation information is the transfer reservation by electronic recording receivables If that is the case where the transfer day arrives if no withdrawal process is complete executes the deposit process immediately also does not indicate that the flag of the transfer reservation information is the transfer reservation by electronic recording receivables, An inter-account settlement processing apparatus that performs a deposit process after confirming that the withdrawal process is completed.
本発明では、債務者の預金口座から債権者の預金口座への振込によって売掛債権の決済代金を決済する口座間決済処理装置において、電子記録債権の記録機関から受領した決済明細データに基づく決済については振込予約情報にフラグを記録し、フラグのある入金については引落処理の完了が確認される前に入金処理を実行するよう構成することによって、債権者の預金口座への速やかな入金を可能にしている。電子記録債権として記録された決済明細データは信頼性の高いものであり、かつ電子記録債権として登録する際に電子記録債権として記録する債権を選択して債務者の与信を事前に確認しておくことも可能であるため、かかる決済明細データの活用が決済代金の迅速な入金処理に有効である。 In the present invention, in an inter-account settlement processing device that settles the settlement price of accounts receivable by transferring from a debtor's deposit account to a creditor's deposit account, settlement based on settlement details data received from a recording organization of electronically recorded claims , It is possible to quickly deposit the creditor's deposit account by recording a flag in the transfer reservation information and configuring the flagged deposit to be executed before the completion of the withdrawal process is confirmed. I have to. Settlement details data recorded as electronically recorded receivables is highly reliable, and when registering as electronically recorded receivables, select the receivables to be recorded as electronically recorded receivables and confirm the credit of the debtor in advance. Therefore, the use of the payment details data is effective for quick payment processing of the payment price.
また、本発明は、口座振替を実行する振替日と、前記口座振替の振替金額と、前記振替金額を引き落とす振替依頼人の預金口座と、前記振替金額を入金する振替先の預金口座とに関する情報が少なくとも含まれる振替予約情報を記憶する振替予約情報記憶手段と、
営業日毎の所定のタイミングで振替日の到来した振替予約情報を前記振替予約情報記憶手段から読み出し、前記振替予約情報に基づいて、前記振替依頼人の預金口座からの前記振替金額の引落処理と、前記振替先の預金口座への前記振替金額の入金処理とを実行する振替処理手段と、電子記録債権の債務者毎に電子記録債権の決済に用いる預金口座番号を記憶する第２の口座番号記憶手段と、前記決済明細データに指定された債務者の預金口座番号を前記前記第２の口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振替日に、前記債務者の預金口座を振替依頼人の預金口座に、前記決済明細データに基づく決済金額を振替金額に指定した振替予約情報を、前記振替予約情報記憶手段に登録する振替予約情報登録手段と、を備えていて、前記振替予約情報登録手段は、前記決済金額の一時出金のために設けられた専用口座の口座番号を前記振替先の預金口座に指定した振替予約情報を前記振替予約情報記憶手段に登録し、前記振込予約情報登録手段は、前記専用口座の口座番号を前記振込依頼人の預金口座に指定した振込予約情報を前記振込予約情報記憶手段に登録することを特徴とすることもできる。
The present invention also relates to a transfer date for executing the account transfer, a transfer amount of the account transfer, a deposit account of a transfer requester who deducts the transfer amount, and a deposit account of a transfer destination to which the transfer amount is deposited. Transfer reservation information storage means for storing transfer reservation information including at least:
The transfer reservation information whose transfer date has arrived at a predetermined timing for each business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount withdrawal process from the transfer account of the transfer requester, Transfer processing means for executing the deposit processing of the transfer amount to the deposit account of the transfer destination, and a second account number storage for storing a deposit account number used for settlement of the electronic record receivable for each debtor of the electronic record receivable Means and a deposit account number of the debtor designated in the settlement details data is read from the second account number storage means, and a settlement date specified from a payment due date designated in the settlement details data is transferred In addition, transfer reservation information specifying the deposit account of the debtor as the transfer account of the transfer requester and the transfer amount based on the payment details data as the transfer amount is registered in the transfer reservation information storage means. Transfer reservation information registration means, wherein the transfer reservation information registration means designates an account number of a dedicated account provided for temporary withdrawal of the settlement amount as the deposit account of the transfer destination The reservation information is registered in the transfer reservation information storage means, and the transfer reservation information registration means registers transfer reservation information in which the account number of the dedicated account is designated as the deposit account of the transfer requester in the transfer reservation information storage means. It can also be characterized.
このように構成すると、専用口座への口座振替や専用口座からの振込が、専用口座の入出金記録として記録されることによって、残高不足等のトラブルが発生した際にも、実行済の処理を速やかに特定することが可能になる。 If configured in this way, account transfers to / from a dedicated account are recorded as deposit / withdrawal records for the dedicated account, so that even if a trouble such as a shortage of balance occurs, the executed processing is performed. It becomes possible to specify quickly.
さらに、本発明は、前記記録機関システムに電子記録債権を登録するために、入力端末から前記電子記録債権の債権明細データを受け付ける債権明細受付手段と、電子記録債権の債務者毎に設定された極度額を記憶する極度額記憶手段と、前記債権明細データに指定された債権額が、前記電子記録債権の債務者について前記極度額記憶手段に記憶された極度額から特定される与信限度額の範囲内にあるかを判定する与信限度判定手段と、前記与信限度判定手段によって与信限度額の範囲内にあると判定された債権明細データを、電子記録債権として登録するために前記記録機関システムに引き渡す債権明細引渡手段と、を備えることを特徴とするとしてもよい。 Furthermore, the present invention is set for each debtor of the electronic record receivable, and a claim detail accepting means for accepting the claim detail data of the electronic record claim from the input terminal in order to register the electronic record claim in the recording organization system. An extreme amount storage means for storing an extreme amount; and a credit amount specified in the claim statement data is a credit limit specified from the extreme amount stored in the extreme amount storage means for the debtor of the electronically recorded receivable A credit limit judging means for judging whether or not the credit limit is within the range, and the credit details data judged to be within the range of the credit limit by the credit limit judging means in order to register in the recording institution system as an electronic recording claim It is good also as providing the credit statement delivery means to deliver.
本発明のように、決済金額を引き落とす前に入金処理を行うと、実質的には債務者に対して決済金額相当の与信を行うことになるが、このように構成すると、記録機関システムには、債務者に対して設定された与信限度額の範囲にある電子記録債権のみを対象に発生記録がなされるため、記録機関システムから受け付けた決済明細データに基づく決済については、与信の範囲内であることが担保されることになる。 If the deposit process is performed before the settlement amount is deducted as in the present invention, the creditor is substantially credited to the debtor. Since the occurrence is recorded only for the electronically recorded receivables within the credit limit range set for the debtor, the settlement based on the settlement details data received from the recording institution system is within the credit range. It will be secured.
また、本発明は、本発明にかかる口座間決済処理装置によって実行される口座間決済の処理方法として特定することもできる。 Moreover, this invention can also be specified as the processing method of the settlement between accounts performed by the settlement processing apparatus between accounts concerning this invention.
本発明にかかる口座間決済の処理方法は、振込を実行する振込日と、前記振込の振込金額と、前記振込金額を引き落とす振込依頼人の預金口座と、前記振込金額を入金する振込先の預金口座とに関する情報が少なくとも含まれ、かつ、電子記録債権による振込予約である場合には電子記録債権による振込予約であることを示すフラグが含まれた振込予約情報を記憶する振込予約情報記憶手段と、営業日毎の所定のタイミングで振込日の到来した振込予約情報を前記振込予約情報記憶手段から読み出し、前記振込予約情報に基づいて、前記振込依頼人の預金口座からの前記振込金額の引落処理と、前記振込先の預金口座への前記振込金額の入金処理とを実行する振込処理手段と、電子記録債権の債権者毎に電子記録債権の決済に用いる預金口座番号を記憶する口座番号記憶手段と、を備えるコンピュータによって実行される電子記録債権を利用した口座間決済の処理方法であって、前記コンピュータが、電子記録債権の記録機関システムから、電子記録債権の決済明細データを受け付けるステップと、前記コンピュータが、前記決済明細データに指定された債権者の預金口座番号を前記口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振込日に、前記債権者の預金口座を振込先の預金口座に、前記決済明細データに基づく決済金額を振込金額に指定し、電子記録債権による振込予約であることを示すフラグを記録した振込予約情報を、前記振込予約情報記憶手段に登録するステップと、前記コンピュータが、前記振込予約情報のフラグが電子記録債権による振込予約であることを示している場合には、振込日が到来すると引落処理が完了していなくても前記振込処理手段によって直ちに入金処理を実行するステップと、前記コンピュータが、前記振込予約情報のフラグが電子記録債権による振込予約であることを示していない場合には、振込日が到来すると引落処理が完了したことが確認された後に前記振込処理手段によって入金処理を実行するステップと、を有することを特徴とする口座間決済の処理方法である。
The inter-account settlement processing method according to the present invention includes a transfer date for executing a transfer, a transfer amount of the transfer, a deposit account of a transfer requester for debiting the transfer amount, and a deposit of a transfer destination for depositing the transfer amount. A transfer reservation information storage means for storing transfer reservation information including a flag indicating that it is a transfer reservation by an electronic record receivable when at least information relating to an account is included and the transfer reservation is by an electronic record receivable ; The transfer reservation information whose transfer date has arrived at a predetermined timing every business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount withdrawal process from the deposit account of the transfer requester, and , A transfer processing means for executing the deposit processing of the transfer amount to the deposit account of the transfer destination, and a deposit account used for settlement of the electronic record receivable for each creditor of the electronic record receivable An account number storage means for storing an issue, and a processing method for settlement between accounts using an electronic record receivable executed by a computer, wherein the computer receives an electronic record receivable from an electronic record receivable recording institution system. A step of accepting settlement details data; and the computer reads the deposit account number of the creditor designated in the settlement details data from the account number storage means and is identified from the due date designated in the settlement details data Set the payment date as the transfer date, specify the deposit account of the creditor as the deposit account of the transfer destination, set the payment amount based on the payment details data as the transfer amount, and record a flag indicating that it is a transfer reservation by electronically recorded receivables was the transfer reservation information, and registering the transfer reservation information storage means, said computer is off of the transfer reservation information If the grayed indicates that the transfer reservation by electronic recording receivables and performing immediately deposit process by said transfer processor means even without withdrawal process the transfer day arrives is complete, the computer , If the transfer reservation information flag does not indicate that the reservation is for electronically recorded receivables , the transfer processing means executes the deposit process after confirming that the withdrawal process is completed when the transfer date arrives An inter-account settlement processing method.
また、本発明にかかる口座間決済の処理方法は、前記コンピュータには、口座振替を実行する振替日と、前記口座振替の振替金額と、前記振替金額を引き落とす振替依頼人の預金口座と、前記振替金額を入金する振替先の預金口座とに関する情報が少なくとも含まれる振替予約情報を記憶する振替予約情報記憶手段と、営業日毎の所定のタイミングで振替日の到来した振替予約情報を前記振替予約情報記憶手段から読み出し、前記振替予約情報に基づいて、前記振替依頼人の預金口座からの前記振替金額の引落処理と、前記振替先の預金口座への前記振替金額の入金処理とを実行する振替処理手段と、電子記録債権の債務者毎に電子記録債権の決済に用いる預金口座番号を記憶する第２の口座番号記憶手段と、が備えられていて、前記コンピュータが、前記決済明細データに指定された債務者の預金口座番号を前記第２の口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振替日に、前記債務者の預金口座を振替依頼人の預金口座に、前記決済明細データに基づく決済金額を振替金額に指定した振替予約情報を、前記振替予約情報記憶手段に登録するステップを実行し、振替予約情報を登録するステップにおいて、前記コンピュータは、前記決済金額の一時出金のために設けられた専用口座の口座番号を前記振替先の預金口座に指定した振替予約情報を前記振替予約情報記憶手段に登録し、振込予約情報を登録するステップにおいて、前記コンピュータは、前記専用口座の口座番号を前記振込依頼人の預金口座に指定した振込予約情報を前記振込予約情報記憶手段に登録することを特徴とすることもできる。 Further, in the inter-account settlement processing method according to the present invention, the computer includes a transfer date for executing an account transfer, a transfer amount of the account transfer, a deposit account of a transfer requester for deducting the transfer amount, Transfer reservation information storage means for storing transfer reservation information including at least information on a transfer destination deposit account into which the transfer amount is to be transferred, and transfer reservation information whose transfer date has arrived at a predetermined timing every business day Transfer processing that reads from the storage means and executes the transfer amount withdrawal process from the transfer requester's deposit account and the transfer amount deposit process to the transfer destination deposit account based on the transfer reservation information Means and second account number storage means for storing a deposit account number used for settlement of the electronic record receivable for each debtor of the electronic record receivable, Reads out the deposit account number of the debtor designated in the settlement details data from the second account number storage means, and sets the settlement date specified from the payment due date designated in the settlement details data. And executing the step of registering in the transfer reservation information storage means the transfer account information, in which the deposit account of the debtor is transferred to the transfer account of the transfer requester and the transfer amount based on the payment details data is specified as the transfer amount, In the step of registering the transfer reservation information, the computer stores the transfer reservation information in which the transfer reservation information in which the account number of a dedicated account provided for the temporary withdrawal of the settlement amount is designated as the deposit account of the transfer destination In the step of registering with the means and registering the transfer reservation information, the computer makes a transfer reservation in which the account number of the dedicated account is designated as the deposit account of the transfer requester The distribution can also be characterized by registering the transfer reservation information storage means.
さらに、本発明にかかる口座間決済の処理方法は、前記コンピュータには、電子記録債権の債務者毎に設定された極度額を記憶する極度額記憶手段が備えられていて、前記コンピュータが、前記記録機関システムに電子記録債権を登録するために、入力端末から前記電子記録債権の債権明細データを受け付けるステップと、前記コンピュータが、前記債権明細データに指定された債権額が、前記電子記録債権の債務者について前記極度額記憶手段に記憶された極度額から特定される与信限度額の範囲内にあるかを判定するステップと、前記コンピュータが、前記ステップにおいて与信限度額の範囲内にあると判定された債権明細データを、電子記録債権として登録するために前記記録機関システムに引き渡すステップと、を有することを特徴としてもよい。 Furthermore, in the processing method for settlement between accounts according to the present invention, the computer is provided with an extreme amount storage means for storing an extreme amount set for each debtor of the electronically recorded receivable, In order to register the electronic record receivable in the recording institution system, the step of accepting the claim details data of the electronic record claim from the input terminal, and the computer specifies that the amount of claim specified in the claim details data of the electronic record claim Determining whether the debtor is within a credit limit specified by the extreme amount stored in the extreme amount storage means; and determining that the computer is within the credit limit in the step Delivering the recorded credit statement data to the recording organization system for registration as an electronically recorded credit It may be.
本発明によって、売掛債権を口座間で決済する際に、決済日の当日に債権者の預金口座への入金処理が速やかに行われるため、債権者は売掛債権の回収資金を速やかに当日分の支払等に充てることが可能になる。 According to the present invention, when the accounts receivable is settled between accounts, the creditor can promptly process the deposit account of the creditor on the day of the settlement date. It becomes possible to use it for payment of minutes.
本発明を実施するための最良の形態について、図面を用いて以下に詳細に説明する。尚、以下の説明は本発明の実施形態を例示したものであって、本発明はかかる実施形態に限定されるものではない。 The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In addition, the following description illustrates embodiment of this invention, Comprising: This invention is not limited to this embodiment.
図１は、本発明にかかる口座間決済処理装置において、電子記録債権を登録するための構成を示すブロック図である。図２は、本発明にかかる口座間決済処理装置において、振込により決済を行うための構成を示すブロック図である。図３は、本発明にかかる口座間決済処理装置において、記録機関システムから受け付ける決済明細データの一例を示す図である。図４は、本発明にかかる口座間決済処理装置の債権者及び債務者が決済に用いる預金口座番号を記憶する顧客データベースの一例を示す図である。図５は、本発明にかかる口座間決済処理装置の口振データ格納部の一例を示す図である。図６は、本発明にかかる口座間決済処理装置の総振データ格納部の一例を示す図である。図７は、本発明にかかる口座間決済処理装置において、電子記録債権を登録するフローを示すフローチャートである。図８は、本発明にかかる口座間決済処理装置による決済処理のフローを示すフローチャートである。 FIG. 1 is a block diagram showing a configuration for registering an electronically recorded bond in an inter-account settlement processing apparatus according to the present invention. FIG. 2 is a block diagram showing a configuration for performing settlement by transfer in the inter-account settlement processing apparatus according to the present invention. FIG. 3 is a diagram showing an example of settlement details data received from the recording institution system in the inter-account settlement processing apparatus according to the present invention. FIG. 4 is a diagram showing an example of a customer database that stores deposit account numbers used for settlement by creditors and debtors of the inter-account settlement processing apparatus according to the present invention. FIG. 5 is a diagram showing an example of the oral data storage unit of the inter-account settlement processing apparatus according to the present invention. FIG. 6 is a diagram showing an example of the total data storage unit of the inter-account settlement processing apparatus according to the present invention. FIG. 7 is a flowchart showing a flow of registering an electronically recorded bond in the inter-account settlement processing apparatus according to the present invention. FIG. 8 is a flowchart showing a flow of a settlement process by the inter-account settlement processing apparatus according to the present invention.
図１を用いて、本発明にかかる口座間決済処理装置において、電子記録債権を登録するための構成について説明する。尚、本発明では、後に図２を用いて説明するように、電子記録債権データベース４３に記録された電子記録債権の決済明細データを用いて口座間決済を行うが、電子記録債権データベース４３には債務者に対する与信判断が行われた電子記録債権のみを記録するように構成することによって、該決済明細データにかかる振込処理を口座振替に先行して行うことが可能になるため、電子記録債権データベース４３に債務者に対する与信限度の範囲内にあることが確認された電子記録債権のみを記録するよう構成すればよく、そのために必要な具体的な構成については、図１を用いて説明する以下の構成に限定されるものではない。 A configuration for registering an electronically recorded bond in the inter-account settlement processing apparatus according to the present invention will be described with reference to FIG. In the present invention, as will be described later with reference to FIG. 2, settlement between accounts is performed using the settlement details data of the electronic record receivable recorded in the electronic record receivable database 43. By configuring so as to record only the electronically recorded receivable for which the credit judgment for the debtor has been made, it becomes possible to perform the transfer process for the settlement details data prior to the account transfer. 43 may be configured to record only the electronically recorded receivables that are confirmed to be within the credit limit for the debtor. The specific configuration necessary for this is described below with reference to FIG. The configuration is not limited.
図１において、本発明にかかる口座間決済処理装置には、債権登録システム１０及び債権情報データベース２０が含まれることとなる。債権登録システム１０と債権情報データベース２０は、電子記録債権の登録を代行する「顧客の代理人」によって運用され、債権買取システム３０は債権買取事業者によって運用されるが、債権買取事業者が顧客の代理人となって両者が同一事業者（例えば、本発明による口座間決済を行う金融機関）によって運用されることとしてもよい。記録機関システム４０と電子記録債権データベース４３は、電子記録債権の記録機関に設置される。顧客端末６０は電子記録債権の債務者が、顧客端末７０は電子記録債権の債権者が、それぞれ操作するコンピュータ端末である。
In FIG. 1, the inter-account settlement processing apparatus according to the present invention includes a
債権登録システム１０は、顧客端末５０からの要求を受け付けて、記録機関へ電子記録債権の登録を代行するためのＣＰＵ、メインメモリ、ＨＤＤが少なくとも備えられたコンピュータである。債権情報データベース２０とのデータのやりとりや、記録機関システム２０への債権データの引渡し等の動作は、ＨＤＤに記憶されたアプリケーションプラグラムを読み出して、メインメモリ等をワーキングエリアとして機能させながら、ＣＰＵで演算処理を行うことによって実行される。
The
債権情報データベース２０には、債権情報記憶部２１と、極度額記憶部２２が備えられている。債権情報記憶部２１には、顧客端末５０から受け付けた債権データの少なくとも一部が記憶されており、極度額記憶部２２には、電子記録債権の債務者毎に電子記録債権の買取可能額として設定された与信上の極度額が記憶されている。 The bond information database 20 includes a bond information storage unit 21 and an extreme amount storage unit 22. The bond information storage unit 21 stores at least a part of the bond data received from the customer terminal 50, and the extreme amount storage unit 22 stores the electronic record loan purchaseable amount for each debtor of the electronic record bond. The extreme amount of credit set is stored.
債権買取システム３０は、顧客端末６０からの要求を受け付けて、電子記録債権の買取りの処理を実行するためのＣＰＵ、メインメモリ、ＨＤＤが少なくとも備えられたコンピュータである。極度額更新部３１、買取処理部３２はいずれも機能的に特定されるものであって、債務者毎に設定された極度額の更新、各々で実行される電子記録債権の買取りの処理にかかる動作は、ＨＤＤに記憶された各々に対応するアプリケーションプラグラムを読み出して、メインメモリ等をワーキングエリアとして機能させながら、ＣＰＵで演算処理を行うことによって実行される。 The bond purchase system 30 is a computer provided with at least a CPU, a main memory, and an HDD for receiving a request from the customer terminal 60 and executing a process of purchasing an electronically recorded bond. Both the extreme amount update unit 31 and the purchase processing unit 32 are functionally specified, and are related to the update of the extreme amount set for each obligor and the purchase processing of the electronic record receivable executed by each. The operation is executed by reading out an application program corresponding to each stored in the HDD and performing arithmetic processing by the CPU while the main memory or the like functions as a working area.
尚、債権買取システム３０が債権登録システム１０と同一の事業者によって運用される場合には、これらは物理的に同一のコンピュータにおいて、機能的に分離されているものであってもよい。
In the case where the bond purchase system 30 is operated by the same operator as the
記録機関システム４０は、電子記録債権データベース４３の記録原簿に電子記録債権の発生記録や譲渡記録等を行う処理を実行するためのＣＰＵ、メインメモリ、ＨＤＤが少なくとも備えられたコンピュータである。発生記録部４１、譲渡記録部４２はいずれも機能的に特定されるものであって、記録原簿への電子記録債権の発生記録、記録原簿への電子記録債権の譲渡記録の処理にかかる動作は、ＨＤＤに記憶された各々に対応するアプリケーションプラグラムを読み出して、メインメモリ等をワーキングエリアとして機能させながら、ＣＰＵで演算処理を行うことによって実行される。電子記録債権データベース４３は、記録機関システム４０と同一のコンピュータであってもよいし、物理的に異なるデータベースサーバ等のコンピュータが用いられてもよい。 The recording institution system 40 is a computer that includes at least a CPU, a main memory, and an HDD for executing processing for performing generation recording, transfer recording, and the like of electronic recording receivables in a record ledger of the electronic record receivable database 43. The occurrence recording unit 41 and the transfer recording unit 42 are both functionally specified, and the operations related to the processing of the generation record of the electronic record receivable to the record original book and the transfer record of the electronic record receivable to the record original book are as follows: The application program corresponding to each stored in the HDD is read, and the CPU executes arithmetic processing while the main memory or the like functions as a working area. The electronic record bond database 43 may be the same computer as the recording institution system 40, or a computer such as a physically different database server may be used.
本発明にかかる口座間決済処理装置において、図１に示した構成で電子記録債権を登録する際の処理フローは、図７のフローチャートに示したとおりである。まず、電子記録債権を利用して支払を行う債務者が、顧客端末５０に電子記録債権の債権額、支払期日、債権者、債務者等に関する債権データを入力し、入力された債権データを顧客の代理人宛の電子記録債権の発生記録の登録要求として、債権登録システム１０に送信する。尚、ここで債務者が入力する債権データは、電子記録債権を利用するもののみに限られず、一括信託、一括ファクタリング、総合振込などその他の支払手段を利用するものも含めたものであってもよく、その場合は、債務者の指定によって支払手段の種別を示す支払種別コードが付された債権データが債権登録システム１０に送信される。
In the inter-account settlement processing apparatus according to the present invention, the processing flow when registering an electronically recorded bond with the configuration shown in FIG. 1 is as shown in the flowchart of FIG. First, a debtor who makes payment using an electronically recorded receivable enters the amount of receivable of the electronically recorded receivable, payment date, creditor data on the creditor, debtor, etc. into the customer terminal 50, and the entered credit data is Is sent to the
入力された債権データの登録要求を受け付けた債権登録システム１０では（Ｓ０１）、支払種別コードをキーに、支払手段として電子記録債権が指定されている債権データを切り分ける（Ｓ０２）。電子記録債権以外の支払手段が指定されている債権データについては、それぞれ一括信託、一括ファクタリング、総合振込などの処理を行うためのシステムに引渡される。
In the
電子記録債権が指定されている債権データについては、債権情報データベース２０の債権情報記憶部２１に記憶される（Ｓ０３）。これらの債権データにより特定される債権が、債務者の与信枠の範囲内にあって買取可能なものであるかどうかを判定するために、債権情報データベース２０の極度額記憶部２２に記憶された債務者について設定された極度額が読み出される（Ｓ０４）。 The bond data in which the electronically recorded bond is designated is stored in the bond information storage unit 21 of the bond information database 20 (S03). In order to determine whether the receivable specified by these receivable data is within the credit limit of the obligor and can be purchased, it is stored in the extreme amount storage unit 22 of the receivable information database 20. The extreme amount set for the debtor is read (S04).
極度額記憶部２２には、電子記録債権の債務者毎の債権買取の限度額として設定された与信上の極度額が記憶されている。この極度額は、債務者の信用力を勘案して債権買取事業者が設定した極度額に対して、その他の手段（融資や債務保証等）に用いられている金額を減じて電子記録債権の買取りのための極度額として定められるものであり、融資残高の変動によって増減するものである。従って、最新の極度額の数値が債権買取事業者の運用する債権買取システム３０の極度額更新部３１によって、債権買取事業者の他のシステムに記憶された融資残高等を参照しながら定期的（例えば１日に１度）に演算され、極度額記憶部２２に記憶された極度額が更新される。 The extreme amount storage unit 22 stores an extreme amount on credit that is set as a limit of purchase of a claim for each debtor of the electronically recorded claim. This extreme amount is calculated by subtracting the amount used for other means (finance, debt guarantee, etc.) from the extreme amount set by the receivable purchaser in consideration of the creditworthiness of the debtor. It is determined as an extreme amount for purchase, and increases or decreases depending on changes in the loan balance. Accordingly, the latest extreme value is periodically updated by the extreme amount update unit 31 of the claim purchase system 30 operated by the claim purchaser while referring to the loan balance stored in the other system of the claim purchaser ( For example, once per day, the extreme amount stored in the extreme amount storage unit 22 is updated.
続いて、債権情報データベース２０の債権情報記憶部２１に記憶されている当該債務者が債務者に指定されている債権データのうち、決済が未済である債権の債権額を読み出して、極度額記憶部２２から読み出した極度額から減じることによって買取可能額を演算する（Ｓ０５）。買取可能額の演算方法は特に限定されるものではないが、例えば、支払予定日毎に未決済の債権データにかかる債権額を合算し、極度額記憶部２２から読み出した極度額から順に減じていき、未決済の債権額を全て減じた残りの金額を買取可能額として算出することができる。 Subsequently, out of the claim data in which the debtor is designated as the debtor stored in the claim information storage unit 21 of the claim information database 20, the claim amount of the claim that has not been settled is read and stored in an extreme amount. The subtractable amount is calculated by subtracting from the extreme amount read from the unit 22 (S05). The method of calculating the purchaseable amount is not particularly limited. For example, the amount of claims relating to unsettled claim data is added for each scheduled payment date, and is sequentially reduced from the extreme amount read from the extreme amount storage unit 22. The remaining amount obtained by subtracting all unsettled claims can be calculated as the purchaseable amount.
ここで、Ｓ０２で切り分けられた一の債権データを選択する（Ｓ０６）。上記のように演算された買取可能額と対比して（Ｓ０７）、買取可能額の範囲内にあれば買取可能な債権と判定して、債権データに極度額の確認結果がＯＫであることを示すフラグを記録する（Ｓ０８）。ここで記録したフラグは、債権買取システム３０が顧客端末６０から債権買取の要求を受け付けて、買取処理部３２を起動して電子記録債権の買取りの処理を実行する際に参照され、フラグが記録されている場合には直ちに電子記録債権の買取処理が行われる。 Here, one bond data segmented in S02 is selected (S06). Compared to the purchaseable amount calculated as described above (S07), if it is within the range of the purchaseable amount, it is determined that it is a purchaseable receivable, and the confirmation result of the extreme amount in the receivable data is OK. The indicated flag is recorded (S08). The flag recorded here is referred to when the bond purchase system 30 receives a request for purchase of a bond from the customer terminal 60, activates the purchase processing unit 32, and executes the process of purchasing the electronically recorded bond, and the flag is recorded. If so, the purchase process of electronically recorded receivables will be carried out immediately.
さらに、次の債権データを選択して（Ｓ０９）同様の判定を行うが、次の判定で基準となる買取可能額は、先に極度ＯＫとされた債権データに指定された債権額が落込予定に含めて計算されるため、前回の買取可能額より小さくなっていく。その結果、極度額の確認結果がＮＧとなる債権データも生じ得ることになるが、それらの債権データには極度ＯＫを示すフラグは記録されない。 In addition, the next bond data is selected (S09), and the same determination is made. However, the amount that can be purchased as the standard in the next determination is expected to drop in the bond amount specified in the bond data that was previously determined to be extremely OK. It will be smaller than the previous purchaseable amount. As a result, there may be receivable data in which the check result of the extreme amount is NG, but the flag indicating the extreme OK is not recorded in the receivable data.
尚、一の債権データが極度ＯＫとならなかった場合の後の処理については特に限定されるものではないが、その他の債権データは債権額が少額であって買取可能額の範囲内にある可能性もあるため、Ｓ０２で切り分けられた全ての債権データについて判定を行うことが好ましい。また、極度ＯＫを示すフラグが記録されなかった債権データのその後の扱いについても特に限定されるものではなく、例えば、定期的に更新された買取可能額との対比を行って、極度額の変更や落込予定額の減少によって買取可能と判定されるようになった段階で極度ＯＫを示すフラグを記録することとしてもよい。 In addition, the processing after the case where one bond data is not extremely OK is not particularly limited, but the other bond data may have a small amount of receivables and be within the purchaseable amount range. For this reason, it is preferable to make a determination on all the bond data segmented in S02. In addition, there is no particular limitation on the subsequent handling of bond data for which the flag indicating extreme OK was not recorded. For example, the change in the extreme amount is performed by comparing with the amount that can be purchased periodically. Alternatively, a flag indicating extreme OK may be recorded when it is determined that the purchase is possible due to a decrease in the expected drop amount.
全ての債権データについて買取の可否の判定が行われると、記録機関システム４０に対して、極度ＯＫとなった債権の債権データが引渡される（Ｓ１０）。記録機関システム４０では、発生記録部４１が起動されて、電子記録債権データベース５０の記録原簿に新たな電子記録債権の発生記録が登録されるが、ここで登録される電子記録債権は買取について債務者の与信判断が行われたものに限られるため、買取が行われずに支払期日を迎えた場合であっても、債権者への支払について一時的に立替払いを行うとしても、極度額の範囲内での与信を供与することとなる。 When it is determined whether or not all the bond data can be purchased, the bond data of the bond that is extremely OK is delivered to the recording institution system 40 (S10). In the recording institution system 40, the occurrence recording unit 41 is activated and a new record of electronic record receivables is registered in the record master book of the electronic record receivable database 50. The credit range of the creditor is limited, so even if the payment is due and the payment is due, it is possible to make a temporary replacement for the creditor, Will provide credit within the company.
債権登録システム１０と記録機関システム４０をそれぞれ構成するコンピュータは、通常は異なるコンピュータとなって、両者間のデータの引渡しや通知等は、専用線等の通信ネットワークを介して行われる。但し、ファイアウォールで権限を制御することを前提に、両者は同一のコンピュータによって構成することとしてもよく、その場合の両者間のデータの引渡しや通知等は、コンピュータ内のデータ処理によって行われる。
The computers constituting the
図２を用いて、本発明にかかる口座間決済処理装置において、振込により決済を行うための構成について説明する。本発明にかかる口座間決済処理装置は、振込処理システム７０を含んで構成されている。振込処理システム７０は、本発明による口座間決済を行う金融機関によって運用され、先に図１について説明したとおり、債権登録システム１０、債権情報データベース２０、債権買取システム３０と同一事業者によって運用されることとすると、金融機関自身が予め債務者に対する与信判断を行った電子記録債権のみを対象に債権者の口座への振込処理を債務者の口座からの引落処理に先行して行うことによって、金融機関の負うリスクを抑えながら本発明にかかる口座間決済によって速やかな振込処理が可能になる。
With reference to FIG. 2, a configuration for performing settlement by transfer in the inter-account settlement processing apparatus according to the present invention will be described. The inter-account settlement processing apparatus according to the present invention includes a transfer processing system 70. The transfer processing system 70 is operated by a financial institution that performs inter-account settlement according to the present invention, and is operated by the same operator as the
記録機関システム４０と電子記録債権データベース４３は、図１と同様に電子記録債権の記録機関に設置されたコンピュータやデータベースサーバが用いられる。顧客端末９０は、電子記録債権の債権者又は債務者が、振込完了の通知を受け取るコンピュータ端末である。
As in the case of FIG. 1, the recording institution system 40 and the electronic record receivable database 43 use a computer or a database server installed in the electronic record receivable recording institution. The
振込処理システム７０は、口座間決済にかかる処理を実行するためのＣＰＵ、メインメモリ、ＨＤＤが少なくとも備えられたコンピュータである。データ登録部７１、口座振替処理部７２、総合振込処理部７３はいずれも機能的に特定されるものであって、それぞれが実行する口座振替と総合振込の予約に必要なデータの口振データ格納部７５及び総振データ格納部７６への登録、口振データ格納部７５の予約情報に基づく口座振替の処理、総振データ格納部７６の予約情報に基づく総合振込の処理にかかる動作は、ＨＤＤに記憶された各々に対応するアプリケーションプラグラムを読み出して、メインメモリ等をワーキングエリアとして機能させながら、ＣＰＵで演算処理を行うことによって実行される。 The transfer processing system 70 is a computer that includes at least a CPU, a main memory, and an HDD for executing processing related to the settlement between accounts. The data registration unit 71, the account transfer processing unit 72, and the general transfer processing unit 73 are all functionally specified, and store the direct transfer data of data necessary for the account transfer and the general transfer reservation that are executed by each. The operations related to the registration in the data transfer unit 75 and the total transfer data storage unit 76, the account transfer process based on the reservation information in the oral transfer data storage unit 75, and the total transfer process based on the reservation information in the total transfer data storage unit 76 are The application program corresponding to each stored in is read out, and the CPU executes arithmetic processing while the main memory or the like functions as a working area.
顧客データベース７４には金融機関の顧客情報が記憶されているが、その中には、図４の例に示したように、電子記録債権の債権者又は債務者となり得る顧客が電子記録債権の決済に用いる預金口座の口座番号に関する情報が含まれている。尚、顧客が債権者、債務者として用いる預金口座は、同一の口座であってもよいし異なる口座であってもよい。また、債権者又は債務者のいずれか一方の立場でしか利用しない顧客については、一方の口座番号のみが記憶されていればよい。 The customer database 74 stores customer information of financial institutions. As shown in the example of FIG. 4, a customer who can be a creditor or a debtor of an electronically recorded claim can settle an electronically recorded claim. Contains information on the account number of the deposit account used for. Note that the deposit account used by the customer as a creditor or debtor may be the same account or a different account. In addition, for a customer who uses only from the position of either a creditor or a debtor, only one account number needs to be stored.
口振データ格納部７５には、口座振替の処理に必要な情報として、１件の口座振替について設けられたレコードに、口座振替にかかる資金の引落日、引落金額、引落金額を引き落とす預金口座に関する情報、引落金額を入金する預金口座に関する情報、口座振替の状態（予約状態か、処理中か、処理済か等）等が、図５の例に示すように格納されている。総振データ格納部７６には、総合振込の処理に必要な情報として、１件の総合振込について設けられたレコードに、振込の実行日、振込金額、振込依頼人の預金口座の口座番号、振込先の預金口座の口座番号、振込の状態（予約状態か、処理中か、処理済か等）等が、図６の例に示すように格納されている。 In the direct transfer data storage unit 75, as information necessary for the account transfer process, a record provided for one account transfer is related to a deposit account for debiting the funds withdrawal date, withdrawal amount, and withdrawal amount. Information, information about the deposit account for depositing the withdrawal amount, the state of account transfer (reserved state, being processed, processed, etc.), etc. are stored as shown in the example of FIG. In the total transfer data storage unit 76, as information necessary for comprehensive transfer processing, the transfer execution date, the transfer amount, the account number of the transfer requester's deposit account, the transfer are added to the record provided for one total transfer. The account number of the previous deposit account, the state of transfer (reserved state, being processed, processed, etc.), etc. are stored as shown in the example of FIG.
預金口座ファイル７７には、預金口座の口座番号毎に設けられた口座ファイルに、残高や取引履歴等が記帳されている。口座振替は、預金口座ファイル７７の対応する口座番号の残高から決済金額の引落を記録することによって行われ、振込による入金処理は、振込先が同じ金融機関である場合には、預金口座ファイル７７の振込先の口座番号の残高に決済金額の増加を記録することによって、他の金融機関である場合には、全銀オンライン８０等のネットワークを通じて振込先の金融機関に振込データを送信することによって行われる。
In the
本発明においては、口座間決済の対象となる売掛債権が電子記録債権である場合には、電子記録債権データベース４３に記録されたデータに基づいて作成された決済明細データを、振込処理システム７０のデータ登録部７１が記録機関システム４０から受け付ける。決済明細データには、図３の例に示したように、支払期日、債権額等とあわせて、債権者と債務者を識別するためのコード等が含まれている。 In the present invention, when the trade receivables subject to settlement between accounts are electronically recorded receivables, the settlement details data created based on the data recorded in the electronically recorded receivable database 43 is transferred to the transfer processing system 70. The data registration unit 71 receives from the recording institution system 40. As shown in the example of FIG. 3, the settlement detail data includes a code for identifying the creditor and the debtor together with the due date, the amount of the credit, and the like.
データ登録部７１は、この決済明細データから、口座振替と総合振込の予約情報を作成し、それぞれ口振データ格納部７５と総振データ格納部７６に登録する。このときに、口座振替については、顧客データベース７４に記憶された図４の例に示した口座番号に関する情報のうち、債務者コードに対応する口座番号を読み出して引落口座に指定し、債権額を引落金額にセットして（必要な場合には債権額に手数料を加算した金額を引落金額として）予約情報を作成する。引落日には、通常は債権の支払期日がセットされるが、支払期日が金融機関の休日である場合や、債務者が所定の支払日（例えば、毎月２５日払）を指定している場合には自動調整した日付がセットされる。 The data registering unit 71 creates reservation information for account transfer and general transfer from this settlement detail data, and registers them in the direct transfer data storage unit 75 and the total transfer data storage unit 76, respectively. At this time, for the account transfer, the account number corresponding to the debtor code is read out from the information regarding the account number shown in the example of FIG. Reservation information is created by setting the amount to be withdrawn (if necessary, the amount obtained by adding a fee to the amount of receivable is used as the withdrawal amount). The withdrawal date is usually set with the due date of the receivable, but when the due date is a holiday of a financial institution, or when the obligor specifies a predetermined payment date (for example, 25th of each month) Is set to the automatically adjusted date.
尚、ここで口座振替によって引き落とされた資金を入金する入金口座には、口座間決済専用に設けられた金融機関名義の預金口座（図５の例であれば、店番「１１１」口座番号「０１２３４５６」の当座預金口座）が指定され、振替金額は該預金口座に入金される。 Here, a deposit account for depositing funds withdrawn by account transfer is a deposit account in the name of a financial institution provided only for settlement between accounts (in the example of FIG. 5, the store number “111”, the account number “0123456”). "Current account") is designated, and the transfer amount is deposited into the deposit account.
また、総合振込についても同様に、顧客データベース７４に記憶された図４の例に示した口座番号に関する情報のうち、債権者コードに対応する口座番号を読み出して振込先に指定し、債権額を振込金額にセットして（必要な場合には債権額から手数料を減算した金額を振込金額として）予約情報を作成する。振込日には、通常は債権の支払期日がセットされるが、支払期日が金融機関の休日である場合や、債務者が所定の支払日（例えば、毎月２５日払）を指定している場合には自動調整した日付がセットされる。 Similarly, for the general transfer, the account number corresponding to the creditor code is read out from the information related to the account number shown in the example of FIG. 4 stored in the customer database 74 and designated as the transfer destination. Reservation information is created by setting the transfer amount (if necessary, the amount obtained by subtracting the fee from the receivable amount as the transfer amount). The payment date is normally set to the payment date of the receivable, but when the payment date is a holiday of a financial institution, or when the debtor specifies a predetermined payment date (for example, 25th of each month) Is set to the automatically adjusted date.
ここで、対応する口座振替を識別するためのコードが記録され、総合振込の予約情報と口座振替の予約情報が関連付けられることによって、同じ決済明細データに基づく口座振替と総合振込を特定することが可能になる。また、電子記録債権の決済明細データから作成された振込予約については、電子記録債権に基づくものであることを示すフラグを記録する。 Here, the code for identifying the corresponding account transfer is recorded, and the reservation information of the general transfer and the reservation information of the account transfer are associated with each other, so that the account transfer and the general transfer based on the same settlement details data can be specified. It becomes possible. Also, a flag indicating that the transfer reservation created from the settlement details data of the electronically recorded claim is based on the electronically recorded claim is recorded.
ここで総合振込によって振り込まれる資金は、通常の振込では振込依頼人（債務者）の預金口座から直接引き落とすこととなるが、上記と同様の口座間決済専用に設けられた金融機関名義の預金口座が、決済代金を引き落とす振込依頼人の口座に指定される。 Here, the funds to be transferred by general transfer will be withdrawn directly from the deposit account of the transfer requester (debtor) in the normal transfer, but the deposit account in the name of financial institution provided exclusively for inter-account settlement similar to the above Is designated as the account of the transfer client who withdraws the payment.
以上のように、データ登録部７１は、決済明細データから作成した口座振替と総合振込の予約情報を作成して、口振データ格納部７５と総振データ格納部７６に登録するが、口座振替の予約情報の作成と口振データ格納部７５への登録は必須の要件ではなく、総合振込の予約情報のみを作成して総振データ格納部７６に登録することとしてもよい。その場合は、通常の振込の場合と同様に、決済代金を引き落とす振込依頼人の口座には振込依頼人（債務者）の預金口座が指定されることになるが、残高不足等のトラブルが発生した際に実行済の処理を速やかに特定できるようにするためには、口座間決済専用の預金口座を用いて口座振替や振込による入出金記録を記録するよう構成することが好ましい。 As described above, the data registration unit 71 creates the account transfer and general transfer reservation information created from the settlement details data, and registers the information in the transfer data storage unit 75 and the total transfer data storage unit 76. The creation of the reservation information and the registration to the mouthpiece data storage unit 75 are not essential requirements, and only the reservation information for the general transfer may be created and registered in the total transfer data storage unit 76. In that case, as in the case of normal transfer, the deposit account of the transfer client (debtor) will be specified in the account of the transfer client who will withdraw the payment, but trouble such as insufficient balance will occur. In order to be able to quickly identify the executed process at the time, it is preferable to record a deposit / withdrawal record by account transfer or transfer using a deposit account dedicated for inter-account settlement.
以上のように口振データ格納部７５と総振データ格納部７６に登録された総合振込の予約情報に基づいて、決済処理を実行する処理フローについて、図８のフローチャートを用いて説明する。尚、口座振替にかかる引落処理については、営業日毎に所定のタイミング（通常であれば早朝）で口座振替処理部７２が起動され、引落日が到来した口座振替の予約情報を特定して、予約情報に基づいて口座振替のための処理（引落口座からの引落処理と入金口座への入金処理）が行われる。 A processing flow for executing the settlement process based on the general transfer reservation information registered in the mouthpiece data storage unit 75 and the total transfer data storage unit 76 will be described with reference to the flowchart of FIG. As for the debit processing related to account transfer, the account transfer processing unit 72 is activated at a predetermined timing (usually early morning) every business day, and the reservation information of the account transfer on which the debit date has arrived is identified and reserved. Based on the information, processing for account transfer (withdrawal processing from the withdrawal account and deposit processing to the deposit account) is performed.
まず、営業日毎に所定のタイミング（通常であれば早朝）で総合振込処理部７３が起動され、振込日が到来した総合振込の予約情報が読み出される（Ｓ１１）。読み出した総合振込の予約情報に、電子記録債権であることを示すフラグが記録されているかを確認し（Ｓ１２）、フラグが記録されている場合には、振込依頼人の口座からの振込資金の引落処理完了を待たずに振込処理を実行する（Ｓ１３）。 First, the general transfer processing unit 73 is activated at a predetermined timing (usually early in the morning) every business day, and reservation information of the general transfer on which the transfer date has arrived is read (S11). It is confirmed whether or not a flag indicating that it is an electronically recorded bond is recorded in the read general transfer reservation information (S12). If the flag is recorded, the transfer funds from the transfer requester's account are confirmed. The transfer process is executed without waiting for the completion of the withdrawal process (S13).
ここで、振込処理のための振込資金は、口座間決済専用に設けられた金融機関名義の預金口座から出金される。該預金口座の口座ファイルには振込先や振込金額が記録されるため、これらを確認することで、金融機関が一時的に立替を行った記録が口座ファイルに明確に記録されることになる。 Here, the transfer funds for the transfer process are withdrawn from a deposit account in the name of a financial institution provided exclusively for settlement between accounts. Since the transfer destination and the transfer amount are recorded in the account file of the deposit account, by confirming these, a record that the financial institution has made a temporary change is clearly recorded in the account file.
総合振込のための振込処理は、振込先が同じ金融機関である場合には預金口座ファイル７７の振込先の口座番号に決済金額の振込と残高の増加を記録することによって、他の金融機関である場合には全銀オンライン８０等のネットワークを通じて振込先の金融機関に振込データを送信することによって行われることは、先に説明したとおりである。
If the transfer destination is the same financial institution, the transfer process for the total transfer is recorded at another financial institution by recording the transfer amount and the increase in the balance in the account number of the transfer destination in the
尚、振込先の口座番号の預金口座ファイル、又は振込先の金融機関に送信する振込データには、振込元を特定するために通常は振込依頼人の口座名義等が記録されるが、ここで金融機関名義の預金口座が記録されてしまうと実際の振込元が特定できなくなってしまうため、例えば、図６の備考欄に債務者の名称等を記録しておくこととすれば、これを摘要欄等に書き込むことによって、実際の振込元を特定することが可能になる。 In addition, in the deposit account file of the transfer destination account number or the transfer data to be transmitted to the transfer destination financial institution, the account name of the transfer client is usually recorded in order to specify the transfer source. If a deposit account in the name of a financial institution is recorded, the actual transfer source cannot be specified. For example, if the name of the debtor is recorded in the remarks column in FIG. It becomes possible to specify the actual transfer source by writing in the fields.
一方、フラグが記録されていない場合には、振込依頼人の口座からの振込資金の引落処理が完了するまで、振込処理の実行は待機となる（Ｓ１４）。振込依頼人の口座の残高に不足がないかを確認し、振込資金の引き落としと残高からの減算が振込依頼人の預金口座ファイルに記録されたことが確認されると、総合振込処理部７３によって総合振込のための振込処理が実行される。 On the other hand, if the flag is not recorded, the execution of the transfer process waits until the transfer fund withdrawal process from the account of the transfer requester is completed (S14). When it is confirmed that there is no shortage in the balance of the transfer requester's account, and it is confirmed that the transfer funds are withdrawn and subtracted from the balance are recorded in the transfer requester's deposit account file, the general transfer processing unit 73 Transfer processing for comprehensive transfer is executed.
以上の処理を、振込日が到来した総合振込の予約情報を対象に繰り返す（Ｓ１５）ことによって、電子記録債権の口座間決済が進められる。 By repeating the above processing for the general transfer reservation information for which the transfer date has arrived (S15), settlement between accounts of the electronically recorded receivable is advanced.
１０ 債権登録システム
２０ 債権情報データベース
２１ 債権情報記憶部
２２ 極度額記憶部
３０ 債権買取システム
３１ 極度額更新部
３２ 買取処理部
４０ 記録機関システム
４１ 発生記録部
４２ 譲渡記録部
４３ 電子記録債権データベース
５０ 顧客端末（債務者）
６０ 顧客端末（債権者）
７０ 振込処理システム
７１ データ登録部
７２ 口座振替処理部
７３ 総合振込処理部
７４ 顧客データベース
７５ 口振データ格納部
７６ 総振データ格納部
７７ 預金口座ファイル
８０ 全銀オンライン
９０ 顧客端末
DESCRIPTION OF
60 Customer terminal (creditor)
70 Transfer Processing System 71 Data Registration Unit 72 Account Transfer Processing Unit 73 General Transfer Processing Unit 74 Customer Database 75 Account Transfer Data Storage Unit 76 Total Transfer
Claims (6)
振込を実行する振込日と、前記振込の振込金額と、前記振込金額を引き落とす振込依頼人の預金口座と、前記振込金額を入金する振込先の預金口座とに関する情報が少なくとも含まれ、かつ、電子記録債権による振込予約である場合には電子記録債権による振込予約であることを示すフラグが含まれた振込予約情報を記憶する振込予約情報記憶手段と、
営業日毎の所定のタイミングで振込日の到来した振込予約情報を前記振込予約情報記憶手段から読み出し、前記振込予約情報に基づいて、前記振込依頼人の預金口座からの前記振込金額の引落処理と、前記振込先の預金口座への前記振込金額の入金処理とを実行する振込処理手段と、
電子記録債権の記録機関システムから、電子記録債権の決済明細データを受け付ける決済明細受付手段と、
電子記録債権の債権者毎に電子記録債権の決済に用いる預金口座番号を記憶する口座番号記憶手段と、
前記決済明細データに指定された債権者の預金口座番号を前記口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振込日に、前記債権者の預金口座を振込先の預金口座に、前記決済明細データに基づく決済金額を振込金額に指定し、電子記録債権による振込予約であることを示すフラグを記録した振込予約情報を、前記振込予約情報記憶手段に登録する振込予約情報登録手段と、
を備えていて、
前記振込処理手段は、前記振込予約情報のフラグが電子記録債権による振込予約であることを示している場合には、振込日が到来すると引落処理が完了していなくても直ちに入金処理を実行し、前記振込予約情報のフラグが電子記録債権による振込予約であることを示していない場合には、引落処理が完了したことが確認された後に入金処理を実行すること
を特徴とする口座間決済処理装置。
An inter-account settlement processing device using electronically recorded receivables,
Includes at least information on a transfer date for executing the transfer, a transfer amount of the transfer, a deposit account of a transfer requester for debiting the transfer amount, and a deposit account of a transfer destination for depositing the transfer amount , and an electronic A transfer reservation information storage means for storing transfer reservation information including a flag indicating that the reservation is a transfer reservation by an electronically recorded loan in the case of a transfer reservation by a recorded claim ;
The transfer reservation information that has arrived at the transfer date at a predetermined timing every business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount is withdrawn from the deposit account of the transfer requester, and A transfer processing means for executing the deposit processing of the transfer amount to the deposit account of the transfer destination;
A payment statement receiving means for receiving payment statement data of the electronic record loan from the electronic record bond recording institution system;
Account number storage means for storing a deposit account number used for settlement of electronic record receivable for each creditor of electronic record receivable,
Read the deposit account number of the creditor specified in the settlement details data from the account number storage means, the settlement date specified from the due date specified in the settlement details data as the transfer date, The transfer reservation information storage means stores the transfer reservation information in which the account is designated as the deposit account of the transfer destination, the payment amount based on the payment details data is designated as the transfer amount, and the flag indicating the transfer reservation by the electronically recorded receivable is recorded. Transfer reservation information registration means to register with
With
When the transfer reservation information flag indicates that the transfer reservation information is an electronically recorded receivable , the transfer processing means immediately executes the deposit process even if the withdrawal process is not completed when the transfer date arrives. In addition, when the transfer reservation information flag does not indicate that the reservation is a transfer reservation by electronic record receivable , the deposit process is executed after confirming that the debit process has been completed. apparatus.
営業日毎の所定のタイミングで振替日の到来した振替予約情報を前記振替予約情報記憶手段から読み出し、前記振替予約情報に基づいて、前記振替依頼人の預金口座からの前記振替金額の引落処理と、前記振替先の預金口座への前記振替金額の入金処理とを実行する振替処理手段と、
電子記録債権の債務者毎に電子記録債権の決済に用いる預金口座番号を記憶する第２の口座番号記憶手段と、
前記決済明細データに指定された債務者の預金口座番号を前記前記第２の口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振替日に、前記債務者の預金口座を振替依頼人の預金口座に、前記決済明細データに基づく決済金額を振替金額に指定した振替予約情報を、前記振替予約情報記憶手段に登録する振替予約情報登録手段と、
を備えていて、
前記振替予約情報登録手段は、前記決済金額の一時出金のために設けられた専用口座の口座番号を前記振替先の預金口座に指定した振替予約情報を前記振替予約情報記憶手段に登録し、
前記振込予約情報登録手段は、前記専用口座の口座番号を前記振込依頼人の預金口座に指定した振込予約情報を前記振込予約情報記憶手段に登録すること
を特徴とする請求項１記載の口座間決済処理装置。
A transfer reservation that includes at least information about the transfer date for executing the account transfer, the transfer amount of the account transfer, the deposit account of the transfer client who deducts the transfer amount, and the deposit account of the transfer destination that receives the transfer amount Transfer reservation information storage means for storing information;
The transfer reservation information whose transfer date has arrived at a predetermined timing for each business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount withdrawal process from the transfer account of the transfer requester, A transfer processing means for executing the transfer processing of the transfer amount to the deposit account of the transfer destination;
Second account number storage means for storing a deposit account number used for settlement of the electronic record receivable for each debtor of the electronic record receivable;
The deposit account number of the debtor designated in the settlement details data is read out from the second account number storage means, and the settlement date specified from the due date designated in the settlement details data is the transfer date, Transfer reservation information registration means for registering in the transfer reservation information storage means transfer reservation information in which the debtor's deposit account is designated as the transfer requester's deposit account, and the settlement amount based on the settlement details data is designated as the transfer amount;
With
The transfer reservation information registration means registers transfer reservation information in which the account number of a dedicated account provided for temporary withdrawal of the settlement amount is designated as the transfer destination deposit account in the transfer reservation information storage means,
2. The inter-account accounts according to claim 1, wherein the transfer reservation information registering unit registers transfer reservation information in which the account number of the dedicated account is designated as the deposit account of the transfer requester in the transfer reservation information storage unit. Payment processing device.
電子記録債権の債務者毎に設定された極度額を記憶する極度額記憶手段と、
前記債権明細データに指定された債権額が、前記電子記録債権の債務者について前記極度額記憶手段に記憶された極度額から特定される与信限度額の範囲内にあるかを判定する与信限度判定手段と、
前記与信限度判定手段によって与信限度額の範囲内にあると判定された債権明細データを、電子記録債権として登録するために前記記録機関システムに引き渡す債権明細引渡手段と、
を備えることを特徴とする請求項１又は２に記載の口座間決済処理装置。 In order to register the electronic record receivable in the recording institution system, a receivable statement accepting means for accepting the receivable statement data of the electronic record receivable from the input terminal
An extreme amount storage means for storing the extreme amount set for each debtor of the electronic record receivable,
Credit limit determination for determining whether the credit amount specified in the claim statement data is within the range of the credit limit specified from the extreme amount stored in the extreme amount storage means for the debtor of the electronically recorded loan Means,
A credit statement delivery unit that delivers the credit statement data determined by the credit limit judgment unit to be within the range of the credit limit to the recording institution system for registration as an electronically recorded credit;
The inter-account settlement processing apparatus according to claim 1, further comprising:
営業日毎の所定のタイミングで振込日の到来した振込予約情報を前記振込予約情報記憶手段から読み出し、前記振込予約情報に基づいて、前記振込依頼人の預金口座からの前記振込金額の引落処理と、前記振込先の預金口座への前記振込金額の入金処理とを実行する振込処理手段と、
電子記録債権の債権者毎に電子記録債権の決済に用いる預金口座番号を記憶する口座番号記憶手段と、
を備えるコンピュータによって実行される電子記録債権を利用した口座間決済の処理方法であって、
前記コンピュータが、電子記録債権の記録機関システムから、電子記録債権の決済明細データを受け付けるステップと、
前記コンピュータが、前記決済明細データに指定された債権者の預金口座番号を前記口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振込日に、前記債権者の預金口座を振込先の預金口座に、前記決済明細データに基づく決済金額を振込金額に指定し、電子記録債権による振込予約であることを示すフラグを記録した振込予約情報を、前記振込予約情報記憶手段に登録するステップと、
前記コンピュータが、前記振込予約情報のフラグが電子記録債権による振込予約であることを示している場合には、振込日が到来すると引落処理が完了していなくても前記振込処理手段によって直ちに入金処理を実行するステップと、
前記コンピュータが、前記振込予約情報のフラグが電子記録債権による振込予約であることを示していない場合には、振込日が到来すると引落処理が完了したことが確認された後に前記振込処理手段によって入金処理を実行するステップと、
を有することを特徴とする口座間決済の処理方法。
Includes at least information on a transfer date for executing the transfer, a transfer amount of the transfer, a deposit account of a transfer requester for debiting the transfer amount, and a deposit account of a transfer destination for depositing the transfer amount , and an electronic A transfer reservation information storage means for storing transfer reservation information including a flag indicating that the reservation is a transfer reservation by an electronically recorded loan in the case of a transfer reservation by a recorded claim ;
The transfer reservation information that has arrived at the transfer date at a predetermined timing every business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount is withdrawn from the deposit account of the transfer requester, and A transfer processing means for executing the deposit processing of the transfer amount to the deposit account of the transfer destination;
Account number storage means for storing a deposit account number used for settlement of electronic record receivable for each creditor of electronic record receivable,
A processing method for settlement between accounts using an electronic record receivable executed by a computer comprising:
The computer accepting the electronic record receivable settlement details data from the electronic record receivable recording institution system;
The computer reads the deposit account number of the creditor designated in the settlement details data from the account number storage means, and sets the settlement date specified from the due date designated in the settlement details data to the transfer date, Transfer reservation information in which the creditor's deposit account is designated as the deposit account of the transfer destination, the payment amount based on the payment details data is designated as the transfer amount, and a flag indicating that it is a transfer reservation by electronic record receivable is recorded in the transfer Registering in the reservation information storage means;
When the computer indicates that the transfer reservation information flag is a transfer reservation by electronic record receivable , the transfer processing means immediately receives the payment process even if the withdrawal process is not completed when the transfer date arrives. A step of performing
When the computer does not indicate that the transfer reservation information flag is a transfer reservation by electronic record receivable , the transfer processing means confirms that the withdrawal process has been completed when the transfer date arrives, Executing the process;
A method for processing settlement between accounts.
口座振替を実行する振替日と、前記口座振替の振替金額と、前記振替金額を引き落とす振替依頼人の預金口座と、前記振替金額を入金する振替先の預金口座とに関する情報が少なくとも含まれる振替予約情報を記憶する振替予約情報記憶手段と、
営業日毎の所定のタイミングで振替日の到来した振替予約情報を前記振替予約情報記憶手段から読み出し、前記振替予約情報に基づいて、前記振替依頼人の預金口座からの前記振替金額の引落処理と、前記振替先の預金口座への前記振替金額の入金処理とを実行する振替処理手段と、
電子記録債権の債務者毎に電子記録債権の決済に用いる預金口座番号を記憶する第２の口座番号記憶手段と、
が備えられていて、
前記コンピュータが、前記決済明細データに指定された債務者の預金口座番号を前記第２の口座番号記憶手段から読み出して、前記決済明細データに指定された支払期日から特定される決済日を振替日に、前記債務者の預金口座を振替依頼人の預金口座に、前記決済明細データに基づく決済金額を振替金額に指定した振替予約情報を、前記振替予約情報記憶手段に登録するステップを実行し、
振替予約情報を登録するステップにおいて、前記コンピュータは、前記決済金額の一時出金のために設けられた専用口座の口座番号を前記振替先の預金口座に指定した振替予約情報を前記振替予約情報記憶手段に登録し、
振込予約情報を登録するステップにおいて、前記コンピュータは、前記専用口座の口座番号を前記振込依頼人の預金口座に指定した振込予約情報を前記振込予約情報記憶手段に登録すること
を特徴とする請求項４記載の口座間決済の処理方法。
The computer includes
A transfer reservation that includes at least information about the transfer date for executing the account transfer, the transfer amount of the account transfer, the deposit account of the transfer client who deducts the transfer amount, and the deposit account of the transfer destination that receives the transfer amount Transfer reservation information storage means for storing information;
The transfer reservation information whose transfer date has arrived at a predetermined timing for each business day is read from the transfer reservation information storage means, and based on the transfer reservation information, the transfer amount withdrawal process from the transfer account of the transfer requester, A transfer processing means for executing the transfer processing of the transfer amount to the deposit account of the transfer destination;
Second account number storage means for storing a deposit account number used for settlement of the electronic record receivable for each debtor of the electronic record receivable;
Is provided,
The computer reads the deposit account number of the debtor designated in the settlement details data from the second account number storage means, and sets the settlement date specified from the payment due date designated in the settlement details data. And executing the step of registering in the transfer reservation information storage means the transfer account information, in which the deposit account of the debtor is transferred to the transfer account of the transfer requester and the transfer amount based on the payment details data is specified as the transfer amount,
In the step of registering the transfer reservation information, the computer stores the transfer reservation information in which the transfer reservation information in which the account number of a dedicated account provided for the temporary withdrawal of the settlement amount is designated as the deposit account of the transfer destination Register with the means,
The step of registering transfer reservation information, wherein the computer registers, in the transfer reservation information storage means, transfer reservation information in which an account number of the dedicated account is designated as a deposit account of the transfer requester. 4. Processing method for settlement between accounts according to 4.
前記コンピュータが、前記記録機関システムに電子記録債権を登録するために、入力端末から前記電子記録債権の債権明細データを受け付けるステップと、
前記コンピュータが、前記債権明細データに指定された債権額が、前記電子記録債権の債務者について前記極度額記憶手段に記憶された極度額から特定される与信限度額の範囲内にあるかを判定するステップと、
前記コンピュータが、前記ステップにおいて与信限度額の範囲内にあると判定された債権明細データを、電子記録債権として登録するために前記記録機関システムに引き渡すステップと、
を有することを特徴とする請求項４又は５に記載の口座間決済の処理方法。 The computer is provided with an extreme amount storage means for storing an extreme amount set for each debtor of the electronic record receivable,
Receiving the claim statement data of the electronic record claim from the input terminal for the computer to register the electronic record claim in the recording organization system;
The computer determines whether the amount of receivable specified in the receivable statement data is within a credit limit range specified from the extreme amount stored in the extreme amount storage means for the debtor of the electronically recorded receivable And steps to
The computer delivers the credit statement data determined to be within the credit limit in the step to the recording agency system for registration as an electronically recorded credit.
The processing method of the settlement between accounts of Claim 4 or 5 characterized by the above-mentioned.
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| JP5274632B2 (en) * | 2011-08-31 | 2013-08-28 | 株式会社三井住友銀行 | Account management system and method |
| JP5511909B2 (en) * | 2012-07-19 | 2014-06-04 | 株式会社三井住友銀行 | Account management system and method |
| JP5572244B1 (en) * | 2013-04-17 | 2014-08-13 | 株式会社三井住友銀行 | Electronically recorded receivable account remittance settlement management system |
| JP5936643B2 (en) * | 2014-04-01 | 2016-06-22 | 株式会社三井住友銀行 | Electronic record receivable extreme credit management system |
| JP5922180B2 (en) * | 2014-05-30 | 2016-05-24 | 株式会社三井住友銀行 | Electronically recorded bond generation management system and method |
| JP6874173B1 (en) * | 2020-01-23 | 2021-05-19 | Ｔｒａｎｚａｘ株式会社 | Electronically recorded loan processing device, electronically recorded loan processing method, and program |
| JP7358570B1 (en) | 2022-06-27 | 2023-10-10 | 株式会社三菱Ｕｆｊ銀行 | Account transfer distribution device, transfer distribution device, method, and program |
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| JP2002203190A (en) * | 2000-12-28 | 2002-07-19 | Green Support Co Ltd | Charge payment computer, its method, and computer- readable storage medium |
| JP2005056182A (en) * | 2003-08-05 | 2005-03-03 | Ufj Bank Ltd | Loan collection system corresponding to account receivable, and loan collection method corresponding to account receivable |
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|---|---|---|---|---|
| JP2002203190A (en) * | 2000-12-28 | 2002-07-19 | Green Support Co Ltd | Charge payment computer, its method, and computer- readable storage medium |
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