Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q40/02—Banking, e.g. interest calculation or account maintenance
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house

Definitions

• Patent application 2002-31 578 Filing date February 7, 2002 Technical field
• the present invention relates to a debt management system, a netting support device, a netting support method, and a program.
• the present invention relates to a receivables and payables management system for managing invoices between a plurality of companies, a netting support device for supporting networking between groups associated in advance among a plurality of companies, a netting support method, and a program.
• a receivables and payables management system for managing invoices between a plurality of companies
• a netting support device for supporting networking between groups associated in advance among a plurality of companies
• a netting support method and a program.
• an object of the present invention is to solve such a problem.
• a transaction management system for managing transactions and claims and obligations based on the established transactions is provided by a second user from a first user.
• a debt calculation unit that calculates the amount of debt owed to the first user by the second user based on the transaction amount of the transaction completed to the first user, and a second user to the third user
• a credit amount calculation unit for calculating the amount of receivables held by the second user with respect to the third user based on the transaction value of the transaction, and calculating the amount obtained by subtracting the amount of debt from the amount of receivables, Based on the calculated amount, an offsetting unit that sets an offsetting credit that the second user has to the third user or an offsetting debt to be incurred for the first user, and an offsetting unit that is set by the offsetting unit. 2 based on the amount of the user's net receivables or net debt And a settlement unit for performing settlement with the second user.
• the debt calculation unit calculates the transaction amount of the transaction concluded from the first user to the second user based on the invoice amount of the invoice issued and approved based on the transaction.
• the user calculates the amount of debt to be paid to the first user, and the receivable amount calculation unit issues and approves based on the transaction as the transaction value of the transaction completed from the second user to the third user.
• the second user may calculate the amount of the claim on the third user.
• the credit and debt management system includes a credit receiving unit that receives a credit indicating the level of credit for the payment of the third user, and a second unit that is provided when the credit received by the credit receiving unit is equal to or greater than a predetermined value.
• a predetermined value Set the user's post-offset receivables or post-offset debt, and limit the credit level from setting the second user's post-offset receivables or post-offset debt if the credit received by the receiver is smaller than a predetermined value.
• An offset determination unit may be further provided.
• the offset determination unit sets a larger predetermined limit when the predetermined value of the creditworthiness for the third user is larger, and the second user calculated by the receivable amount calculator has the third user. If the amount of the receivables is equal to or greater than a predetermined limit, it may be restricted that the offsetting unit sets the receivables or debts of the second user.
• the credit receiving unit further receives a credit indicating the level of credit for the payment of the second user, and the offset determination unit determines that the credit of the second user received by the credit receiving unit is the second.
• the offsetting unit sets the post-offset receivable or the debt of the second user, and the credit receiving unit receives the second user's credit that is smaller than the predetermined value.
• the offset determination unit sets a larger predetermined limit, and sets the second user's post-offset receivable or post-offset debt calculated by the offset unit. If the amount is equal to or greater than the predetermined limit, it may be possible to restrict the offsetting unit from setting a second user's offsetting debt or offsetting debt.
• the method may further include a calculation unit, and the offset unit may calculate the second user's post-offset receivable or post-offset debt further based on the calculated interest.
• the offset determiner causes the offset to set the second user's receivables or payables, and the interest calculated by the interest calculator is lower than the predetermined value. If so, the offsetting unit may be restricted from setting the second user's receivables or payables.
• the offset is based on the amount offset by the second user against the third user and the second user's debt to the first user, based on the amount the third user You may set a post-offset debt to be incurred for the user.
• a netting support device that assists in offsetting debts and debts has a debtor, a first debtor having a debt to the creditor, and a debtor to the first debtor.
• the group storage unit that stores the second debtor in association with the group storage unit, and the group storage unit that associates and stores the amount of credit or debt between the creditor, the first debtor, and the second debtor.
• Obligations and debts acquisition department to be acquired the first debtor's debtor that sets the debtor's debt to the creditor of the first debtor to the debtor's debtor to the creditor of the second debtor, and the second debtor of the first debtor
• a second debt determination unit that calculates a value obtained by subtracting a debt amount of the first debtor to the creditor from a debt amount of the first debtor to the debtor of the second debtor, (1)
• the amount of debt determined by the debt determination unit and the second debt determination unit is Netting information to notify at least one of the first, second and third obligors And a knowledge unit.
• a credit receiving unit that receives the credit of the second debtor, and a process performed by the first debt determining unit and the second debt determining unit when the credit received by the credit receiving unit satisfies a predetermined condition.
• a netting permitting unit that restricts the processing of the first and second debt determining units when the credit received by the credit receiving unit does not satisfy a preset condition.
• the receivable and debt acquisition unit further obtains settlement date specifying information for specifying the settlement date of the receivable or debt amount in association with the receivable or debt amount, and obtains the receivable or debt amount and the receivable or debt amount.
• the system further includes an interest calculation unit that calculates interest generated depending on the settlement date using the settlement date identification information corresponding to the debt amount, and at least one of the first debt determination unit and the second debt determination unit is Alternatively, the amount of debt including interest may be determined by further using the interest calculated by the interest calculator.
• the interest calculation unit calculates the number of days obtained by subtracting the settlement date of the debt of the first debtor from the debtor from the settlement date of the debt of the first debtor to the second debtor, Interest is calculated according to the debt to the creditor, and the first debt determiner further adds the interest calculated by the interest calculator to calculate the debt of the second debtor to the creditor. You can set it.
• a comparison unit that compares the total debt amount of the first debtor to the creditor and the total debt amount of the second debtor to the first debtor acquired by the debtor acquisition unit; As a result of the comparison made by the first debtor, if the total debt amount of the first debtor to the creditor is equal to or less than the total debt amount of the second debtor to the first debtor, (2) If the first debtor's debt to the creditor is allowed to be processed by the debtor's debtor and the sum of the debtor's debtors to the first debtor is greater than
• the information processing apparatus may further include a netting restriction unit that restricts the processing of the determination unit and the second debt determination unit.
• At least one of the first obligor and the second obligor further comprises an obligation fulfillment information receiving section for receiving the fact that the obligation has been fulfilled, and the receivables and payables acquiring section reports that the obligation fulfillment information receiving section has fulfilled the obligation.
• the comparison department that compares the amount of receivables and the comparison department If the difference between the debt amount of the first debtor and the amount of receivables is outside the specified range, the retained amount that calculates the amount of retained earnings to be paid by the first debtor using the amount of receivables and the amount of debt.
• the system may further include a calculating unit and a retained earnings notifying unit that notifies the first debtor of the amount of the retained earnings calculated by the retained earnings calculating unit.
• a netting support method in which a computer assists in offsetting debts and debts comprises providing a creditor, a first debtor having a debt to the creditor, and a first debtor having a debt to the creditor.
• the computer obtains the amount or debt amount, and subtracts the first debtor's debt amount to the second debtor from the first debtor's debtor's debt amount to the second debtor Calculating the debt amount of the obligor to the first obligor by the computer; and setting the debt amount of the first obligor to the obligor to the obligatory amount of the second obligor to the obligor.
• Con Comprises Obligations-menu data is determined, creditors, first debtor, and a step of notifying to an also less of a second debtor.
• a computer program that assists in offsetting debts and credits comprises a creditor, a debtor to the creditor, a first debtor, and a debtor to the first debtor.
• a group storage module that associates and stores a second obligor with the following, and the amount or obligation between the creditor, the first obligor, and the second obligor that the group storage module associates and stores The first debtor's debt to the creditor of the first debtor, and the first debtor's debt module to set the debtor's debt to the creditor of the second debtor;
• a second debt determination module for calculating a second debtor's debt to the first debtor as a debtor's debt to the second debtor, and a second debt determination module; , First debt decision
• the parts and Obligations second obligation determination unit has determined include, creditors, first debtor, and the netting information notification module that notifies the at least one second debtor.
• FIG. 1 is a schematic diagram showing a configuration of the debt management system 100 according to the present embodiment. It is.
• FIG. 2 is a block diagram showing a functional configuration of the debt management apparatus 40.
• FIG. 3 is a functional block diagram of the netting support device 10.
• FIG. 4 is a diagram showing an example of a table stored in the credit and debt storage unit 105.
• FIG. 5 is a diagram illustrating an example of a table stored in the group storage unit 110.
• FIG. 6 is a flowchart for generating netting data performed by the netting support device 10.
• FIG. 7 is a flowchart of the netting data generation performed by the netting unit 140.
• FIG. 8 is a flow chart of a process performed by the netting support device 10 when a debt is fulfilled.
• FIG. 9 is a block diagram showing a hardware configuration of the netting support device 10. BEST MODE FOR CARRYING OUT THE INVENTION
• BEST MODE FOR CARRYING OUT THE INVENTION an example of an embodiment of the present invention will be described with reference to the drawings.
• FIG. 1 is a schematic diagram showing a configuration of the debt management system 100 according to the present embodiment.
• the credit and debt management system 100 includes a credit and debt management system 40, a raw material maker system 30 and a processing maker system 50, each of which is a system owned by a plurality of users who use the credit and debt management system 100.
• Raw material maker system 30, processing maker system 50, product maker system 60, and sales company system 70 are raw material maker business support terminals 23, processing maker business support terminals 25, and product manufacturers, respectively. It has a business support terminal 26 and a sales company business support terminal 27.
• the raw material production business support terminal 23, the processing production business support terminal 25, the product manufacturer business support terminal 26, and the sales company business support terminal 27 support the business of each company, such as accounting.
• the raw material maker business support terminal 23, the processing maker business support terminal 25, the product maker business support terminal 26, and the sales company business support terminal 27 are connected to the credit and debt management system 4 via a network such as the Internet. 1314
• the raw material maker system 30, the processing maker system 50, the product maker system 60, and the sales company system 70 are described by way of example. The transaction is not limited to these four companies.
• a company In a business transaction between two or more companies, a company has a debt to pay to an upstream company in the transaction flow rather than itself, but has a claim to receive payment from a downstream company. In this case, even if the downstream company pays the company, there is a risk that the company will delay or fail to pay the upstream company and the upstream company will not be able to collect funds . Also, in a transaction between two companies, one company may hold both claims and obligations to the other company. In this case, at present, the accounting system of each company has settled each transaction individually.
• the credit and debt management system 100 offsets the receivable and debt between a plurality of companies trading using the present system, thereby reducing the risk of collecting the funds of each company.
• the purpose is to reduce the costs required for settlement of receivables and payables, and to further reduce the accounting operations performed by each company's accounting system.
• the raw material production system 30 provides products such as raw materials to the processing production system 50.
• the processing maker system 50 provides the product maker system 60 with merchandise such as, for example, processed products.
• the product maker system 60 provides merchandise such as completed products to the sales company system 70.
• the sales company system 70 pays to the product maker system 60, the product maker system 60 pays to the processing maker system 50, and the processing maker system 50 pays to the raw material maker system 30 for the provided products. Therefore, the raw material maker and the processing maker, the processing maker and the product maker, and the product maker and the sales company have a seller and a buyer relationship, respectively.
• the dotted line in the figure indicates the flow of the product.
• the solid line opposite the dotted line in the figure indicates the flow of payment for the provided product.
• the raw material maker is an example of a first user
• the processing maker is an example of a second user
• the product maker is an example of a third user.
• the processing maker has a debt to the raw material maker.
• processing manufacturers have claims for product manufacturing. Unless stated otherwise, debts stated below will not be Similarly, receivables refers to the receivables that a processing manufacturer has to a product manufacturer.
• Raw material maker business support terminal 23, processing maker business support terminal 25, product maker business support terminal 26, and sales company business support terminal 27 are raw material maker, processing maker, product maker, and sales company.
• information on the transaction during the period information on the conclusion of the transaction and on the receivables and obligations based on the completed transaction is transmitted to the receivables and payables management device 40.
• the receivables and payable management device 40 manages, in transactions between the raw material maker, the processing maker, the product maker, and the sales company, the establishment of the transaction, and the receivables and obligations based on the established transaction.
• the receivables and payables management device 40 determines whether or not there is an invoice generated by the transaction, receives the invoice, and determines whether or not there is a payment. Received from the support terminal 26 and the sales company business support terminal 27 to receive and manage.
• FIG. 2 shows a functional configuration of the debt management apparatus 40.
• the credit and debt management device 40 includes a debt amount calculation unit 42, a credit amount calculation unit 44, a netting support device 10, and a settlement unit 46.
• the debt calculator 42 calculates the transaction amount of a transaction established between the raw material maker and the processing maker, for example, the bill amount of an invoice issued and approved based on the transaction from the raw material maker business support terminal 23. Receive.
• the debt calculation unit 42 calculates the amount of debt owed by the processing maker to the raw material maker based on the billing amount included in the details of the received bill.
• the debt calculator 42 sends the calculated debt to the netting support device 10 and the interest calculator 18.
• the debt calculation unit 42 sums up the bills of the received bills on a monthly basis to obtain the debt. For example, the debt amount calculation unit 42 calculates the amount of the debt as 300,000 yen by summing up the invoice amount of the received invoice for each month.
• the receivable amount calculation unit 4 4 calculates the transaction amount of a transaction concluded between the processing maker and the product maker, for example, the amount of an invoice issued and approved based on the transaction from the processing maker business support terminal 25. Receive.
• the credit amount calculation unit 44 calculates the amount of the credit that the processing maker has to the product maker based on the amount of the claim included in the received invoice.
• the receivable amount calculation unit 42 uses the amount of the invoice as the amount of the debt.
• the loan amount calculation unit 44 transmits the calculated amount of the bond to the netting support device 10 and the interest calculation unit 18.
• the debt calculation unit 42 sums up the invoices of the received invoices every month to obtain the amount of receivables. For example, the debt calculating unit 42 calculates the amount of the receivable as 500,000 yen by summing up the amount of the received invoice for each month.
• the netting support device 10 includes an offset unit 12, an offset determination unit 14, a credit reception unit 16, and an interest calculation unit 18.
• the interest calculation unit 18 receives the settlement date of the receivables held by the processing maker from the product maker from the processing support terminal 25, and furthermore, based on the settlement date of the debt owed by the processing maker to the raw material maker. Received from the manufacturer work support terminal 23. In addition, the interest calculator 18 receives the calculated debt amount from the debt calculator 42, and further receives the calculated credit amount from the credit calculator 44. The interest calculation unit 18 calculates the interest based on the number of days between the settlement of the receivable and the settlement date of the debt, and transmits the calculated interest to the offsetting unit 12.
• the interest calculation unit 18 holds the interest rate per day, and calculates the interest rate by multiplying the retained interest rate by the number of days between the settlement date of the receivable and the debt. I do.
• the interest calculation unit 18 calculates the interest by multiplying the calculated interest rate by the amount of the receivable or debt whose settlement date is earlier.
• the interest calculator 18 receives notification that the settlement date of the receivable is 11/15 and that the settlement date of the debt is 11/1/10. It also receives notification that the amount of debt is 300,000 yen and that the amount of receivables is 500,000 yen.
• the interest calculation unit 18 holds the interest rate per day at, for example, 0.02%.
• the interest calculation unit 18 calculates the difference in the number of days between the settlement date of the debt and the settlement date of the receivable as 5 days, and calculates the interest difference per day to be retained at 0.22 ° / 0 5 days difference To calculate the interest rate as 0.1%. Since the settlement date of the debt is earlier at 1 1 Z 10, the interest calculation unit 18 multiplies the calculated interest rate by the debt amount of 300,000 yen to obtain the interest of 300,000. Calculate as a circle.
• the offsetting unit 12 receives the amount of debt from the debt amount calculating unit 42 and receives the amount of receivables from the receivable amount calculating unit 44. Further, the offsetting unit 12 receives the calculated interest amount from the offsetting unit 12. In addition, the offset unit 1 2 setstle the receivables from the interest calculation unit 18 Get the day and debt settlement date. The offsetting unit 12 calculates the amount obtained by subtracting the amount of the debt from the amount of the received loan. In addition, the offsetting unit 12 sets an offsetting debt that the processing maker has to the product maker or an offsetting debt to be owed to the raw material supplier based on the calculated amount.
• the offsetting unit 1 2 sets the later settlement date of the acquired receivables and debts to the settlement date of the offset receivables or debts. If the amount of the receivable received by the offsetting unit is greater than the amount of the debt received, the deducted amount will be a positive value, and the offsetting unit will set this amount as the post-offset receivable owned by the processing manufacturer. As a result, the offsetting unit offsets the amount of the receivables received by subtracting the newly set-off receivables amount from the processing manufacturer.
• the offsetting unit offsets the value of the received debt by subtracting the newly set debt after offset from the processing maker.
• the offsetting unit 1 2 is based on the amount offset by the processing manufacturer's receivables to the product manufacturer and the debts the processing manufacturer incurs to the raw material manufacturer.
• Set up post-offset debt For example, the offsetting unit 12 calculates the amount that the processing manufacturer offsets the debt held by the raw material manufacturer with the debt held by the raw material manufacturer with the debt held by the raw material manufacturer. Set as post-offset debt to be paid for The offsetting unit 12 sets the offset or debt of the processor based further on the interest received.
• the offsetting unit 12 subtracts the debt amount of 300,000 yen from the amount of receivables, 500,000 yen, and calculates the amount to be 2,000,000 yen.
• the offsetting unit 1 2 sets the settlement date of the post-offset receivable or post-offset debt to 1 1/15 to change the settlement date of the debt to the raw material maker from 1 1 Z 10 to 1 1/15 Due to the delay, the total amount of the debt owed by the product maker to the raw material maker is calculated to be 300,000 yen by adding the generated interest of 300,000 yen.
• the credibility receiving unit 16 receives a credibility indicating the degree of credibility of the payment by the product maker and the processing maker.
• the credit receiving unit 16 receives a company rating assigned by an external evaluation facility as a credit rating. External rating agencies have the ability to repay debt PC orchid 14
• the credibility receiving unit 16 receives the rank from the external evaluation organization, and outputs the credibility indicating the degree of credibility to the matching judgment unit 14. For example, the credibility receiving unit 16 receives “A” as the credibility of the product maker, and outputs to the offset determination unit 14 that the credibility is the 12th of the 15 levels. Further, the credibility receiving unit 16 receives “A—” as the credibility of the processing maker, and outputs to the offset judging unit 14 that the credibility is the 11th step out of 15 levels. In addition, the credit receiving unit 16 may hold in advance a credit evaluated for each company based on an amount such as an average stock price or capital of the company.
• the offset judging unit 14 receives the credit for the product maker and the processing maker from the credit receiving unit 16. In addition, the offset judging unit 14 calculates the amount of the receivable calculated by the receivable amount calculating unit 44, that is, the amount of the debt owed by the product maker to the processing maker, and the set receivable or the post-offset debt. The amount is received from the offsetting unit 12, and further, the amount of interest calculated from the interest calculating unit 18 is received.
• the offset judging unit 14 causes the offset unit 12 to set the post-offset receivable or post-offset debt if the credit of the product maker received by the credit receiving unit 16 is larger than a predetermined value.
• the offset determination unit 14 instructs the offset unit 12 to set the post-offset debt or post-offset debt of the processing maker when the creditworthiness of the product maker received by the credit receiving unit 16 is smaller than a predetermined value. Restrict.
• the offset determination unit 14 sets a larger predetermined limit for the debt of the product maker.
• the offset judging part 14 calculates the amount of the receivables that the processing maker has to the product maker calculated by the receivables calculating part 44, that is, the amount of the debt that the product maker owes to the processing maker is equal to or more than the predetermined limit. In this case, it is restricted that the offsetting unit 12 sets the post-offset debt or the post-offset debt of the processing maker.
• the offset judging unit 14 determines the amount of receivables that the processing maker has to the product maker calculated by the receivable amount calculating unit 44, that is, the amount of debt that the product maker incurs for processing If the amount is smaller than the limit, the offsetting unit 12 is set to set a post-offset receivable or a post-offset debt of the processing maker.
• the offset judging unit 14 checks the credit of the processing capability received by the credit receiving unit 16. 03 01314
• the offsetting unit 12 If the credit rating of the processing maker is equal to or more than the predetermined value, the offsetting unit 12 is caused to set the post-offset receivable or the post-offset debt of the processing maker. On the other hand, if the credit rating of the processing maker received by the credit receiving section 16 is smaller than a predetermined value for the credit rating of the processing maker, the offset determining section 14 sets the offsetting credit to the offsetting section 12 of the processing manufacturer. Is restricted.
• the offset judging unit 14 sets a larger predetermined limit for the post-offset receivable and the post-offset debt. If the amount of the post-offset receivables or debts calculated by the offsetting unit 12 calculated by the offsetting unit 12 is equal to or greater than the predetermined limit, the offsetting determination unit 14 sets the offsetting unit 12 after the offset of the processing maker. Restricts the setting of receivables or post-offset debt.
• the offset determining unit 14 causes the offsetting unit 12 to set the receivable or the debt of the processing maker, and the interest calculating unit 18
• the offsetting unit 12 sets the post-offset receivable or the post-offset debt of the processing means.
• the offset judging unit 14 sets the predetermined value of the credit rating for the product maker to “B +” (the eighth step in the 15th step), and sets the predetermined value of the credit rating for the processing maker to “B” (the 7th Eyes), and the predetermined value of interest is held at “50,000 yen”.
• the Offset Judgment Division 14 sets the prescribed limit for product manufacturer's debt to ⁇ 700,000 and the prescribed limit for offsetting receivables and offsetting debt to ⁇ 450,000. I do.
• the credit for the product maker received by the offset determination unit 14 at the “1 2” level is greater than the predetermined value of the product maker's credit value “8” level, and the product manufacturer bears the obligation to the processing manufacturer.
• the offset judgment unit 14 Set up post-offset receivables.
• the offsetting unit 12 sets the post-offset receivable of the calculated amount “200000 yen” to the processing maker.
• the offset determination unit 14 Let 1 2 set the post-offset debt of the product manufacturer to the raw material manufacturer.
• the offsetting unit 12 sets the debt after the offset of “300000” to the product maker as the total amount of interest calculated as the debt after offset to the processing maker.
• the settlement department 46 performs settlement with the processing maker based on the amount of the post-offset receivables or offsets of the processing maker, which is calculated by the offsetting part.
• the settlement section 46 pays the post-offset receivables set for the processing maker to the processing maker among the payments from the product maker, and the remainder to the raw material maker. pay.
• the post-offset debt is set for the processing maker
• the settlement section 46 pays the payment from the processing maker to the raw material maker.
• the processing maker has a debt to the raw material maker, and the processing maker has a debt to the product maker.
• the receivables and payables managed by the receivables and payables management system 100 are not limited to three companies.
• a processing manufacturer may have a claim on a raw material manufacturer instead of a claim on a product manufacturer.
• the processing maker holds both receivables and payables to the raw material maker.
• the debt calculator 42 receives the processing information from the processing maker based on the details of the bill for the transaction between the raw material maker and the processing maker received from the raw material maker's business support terminal 23 and the processing maker's business support terminal 25. Calculate the amount of debt to the raw material manufacturer.
• the receivable calculation unit 4 4 based on the statement of the bill for the transaction between the raw material maker and the processing maker received from the raw material maker business support terminal 23 and the processing maker business support terminal 25 Calculate the amount of receivables from the processing maker to the raw material maker.
• the offsetting unit 12 Based on the calculated amount of receivables and the amount of debts, the offsetting unit 12 sets an offsetting debt or an offsetting receivable for processing as in the case of the three companies.
• the receivables and payables management system ⁇ 100 even between the two companies, promptly offsets the claims and obligations of the processing maker to the raw material maker, It is possible to reduce the settlement cost for a single raw material.
• a processing manufacturer may bear a debt to a sales company in addition to a debt to a raw material manufacturer, and may have a claim to a product manufacturer.
• the debt amount calculation unit 42 calculates the debt owed by the processing maker to the sales company based on the transaction amount of the transaction established from the sales company to the processing company.
• the offsetting unit 12 calculates the amount obtained by subtracting the sum of the amount of the debt owed by the processing maker to the raw material maker and the amount of the debt owed by the processing maker to the sales company from the amount of the receivable. Calculate and set the receivables or payables of the processing manufacturer based on the calculated amount.
• the receivables and payables management system 100 can reduce settlement costs even for companies that have debts to a plurality of companies by offsetting the receivables of the companies.
• a processing manufacturer may have a debt to a raw material manufacturer, a power, a claim to a product manufacturer, and also a claim to a sales company.
• the receivables calculation unit 44 calculates the amount of receivables that the processing maker has to the sales company based on the transaction value of the transactions made by the processing maker to the sales company.
• the processing manufacturer Set up receivables or payables owned by As a result, the receivables and payables management system 100 can reduce settlement costs even for a company that has claims against a plurality of companies by offsetting the debts of the companies.
• FIG. 3 shows a more detailed functional block of the netting support device 10.
• the netting support device 10 includes a debt and debt storage unit 105, a group storage unit 110, a debt fulfillment information receiving unit 115, a debt and debt acquisition unit 120, and an interest calculation unit 12 2, credit receiving unit 1 25, judging unit 130, netting unit 140, netting information notifying unit 150, retained account calculating unit 15 5, retained account notifying unit 16 0 is provided.
• the receivables / deposits storage unit 105 stores information on receivables and payables received from the processing system 50. That is, the receivables and payable storage unit 105 stores information specifying the amount of debt of the first obligor to the obligee (that is, the amount of obligor to the obligor), and information of the first obligor. The information that specifies the amount of credit to the second obligor of the second obligor (ie, the amount of debt to the first obligor of the second obligor) is stored.
• Receivables and Deposits Store 1 0 5 The information to be stored is updated when information on newly generated receivables and payables is acquired and when obligors (first obligor, second obligor, etc.) fulfill obligations.
• FIG. 4 shows an example of a table stored in the credit and debt storage unit 105.
• the receivables and payables storage unit 105 stores the amount of receivables (ie, the amount of debts) and the settlement date of the amount of receivables in association with “the creditors” and “the debtors”. .
• “Creditors” and “borrowers” in this case are the creditors and debtors of a single obligation.
• the creditor and the first debtor described in the present embodiment can be stored in the column of “Creditor”.
• the first obligor and the second obligor described in the present embodiment can be stored in the column of “obligor”. For example, if the first obligor has a claim against the second obligor, the first obligor falls under the “Creditor” in the figure, and the second obligor The borrower falls under the “Debtor” in this figure.
• the group storage unit 110 associates a creditor, a first debtor having a debt to the creditor, and a second debtor having a debt to the first debtor. And store.
• the group storage unit 110 stores identification information of a debtor, a first debtor, and a second debtor in association with each other.
• the group storage 110 may store a group of creditors, first debtors, or second debtors.
• the group storage unit 110 may store a set of a plurality of companies as a first debtor.
• the group storage unit 110 further corresponds to a third debtor having a debt to the second debtor, a fourth debtor having a debt to the third debtor, and the like. You can store it with it.
• FIG. 5 shows an example of a table stored in the group storage unit 110.
• the group storage unit 110 stores a creditor, a first debtor, and a second debtor in association with each other.
• the group storage unit 110 stores company names, but is not limited to company units. That is, the creditor, the first obligor, and the second obligor in the present embodiment are entities that conduct transactions, and may be, for example, a business unit or an individual.
• the debt fulfillment information receiving unit 1 15 receives from the financial institution, the raw material maker system 30, the processing maker system 50, or the sales company system 70 that the debtor has fulfilled the debt, 0 Output to 5.
• debt fulfillment information reception Part 1 15 receives that at least one of the first and second obligors has fulfilled the obligor's obligations.
• the obligation fulfillment information receiving unit 115 receives from the raw material maker system 30 that the raw material maker system 30 has been received from the processing maker system 50.
• Debt fulfillment information receiving unit 1 15 5 S if the first debtor or the second debtor has performed the debt to the debt and debt storage unit 105, the debt and debt storage unit 105 will execute Update the amount of receivables and payables corresponding to the issued debt.
• the receivables and payables department 120 stores, at a predetermined timing, the amount or the bond between the creditor, the first debtor, and the second debtor, which is stored in association with the group storage 110. Obtain the required amount and output it to the interest calculation unit 122.
• the receivables and credits acquisition unit 120 updates the creditor, the first obligor, and the Acquire the amount of receivables or payables between the two debtors and start the following process.
• the receivables and payables acquisition unit 120 sets the amount of receivables between the creditors, the first obligor, and the second obligor stored in the group storage unit 110 in association with each other.
• the receivables and credits acquisition unit 120 further acquires the settlement date specifying information of the first debt amount and the settlement date specifying information of the second debt amount, and calculates the interest rate together with the first and second debt amounts. Output to section 1 2 2.
• the interest calculation unit 1 2 2 obtains the first debt amount, the settlement date identification information of the first debt amount, the second debt amount, and the settlement date identification information of the second debt amount from the receivable and debt acquisition unit 120 Upon receipt, using the first debt amount, the settlement date specific information of the first debt amount, the second debt amount, and the specific information of the settlement of the second debt amount, the interest rate generated by the difference in the settlement date is calculated, It is output to the judgment unit 130 together with the first debt and the second debt. That is, the interest calculation unit 122 calculates the interest generated due to the difference in the settlement date, using the amount of the bond or the amount of the debt and the settlement date specifying information corresponding to the amount of the bond or the amount of the debt. For example, the interest calculating unit 122 calculates the interest according to the number of days obtained by subtracting the settlement date of the first debt amount from the settlement date of the second debt amount, and the first debt amount.
• the credit receiving unit 125 receives the credit of the second debtor and outputs it to the netting permitting unit 132.
• the credit receiving unit 125 may provide a predetermined credit information providing service. Receives the creditworthiness of the second debtor from the providing server.
• the credibility receiving unit 125 may obtain the credibility of the second obligor by an input from the operator.
• the credit rating is an index indicating the credit rating of the second obligor, and may be, for example, rating information of companies, stock prices, credit lines of financial institutions, and the like.
• the judgment unit 130 receives the first debt amount, the second debt amount, and the interest from the interest calculation unit 122, and receives the credit of the second debtor from the credit receiving unit 125. And whether or not to perform netting, and outputs the result to the netting section 140.
• the determination unit 130 does not instruct the netting unit 140 to perform the netting process. That is, the determination unit 130 instructs only the setting of the retained earnings.
• the determining unit 130 has a netting permitting unit 132, a comparing unit 134, and a netting restricting unit 136.
• the netting permission unit 1332 When the netting permission unit 1332 receives the first debt, the second debt, and the interest from the interest calculation unit 122, and receives the creditworthiness of the second debtor from the credit receiving unit 125, If the received credibility satisfies a preset condition, it outputs to the netting unit 140 that the netting process is permitted. That is, if the credit received by the credit receiving unit 125 meets the predetermined condition, the netting permitting unit 132 sets the first debt determining unit 142 and the second debt determining unit 144 If the credit received by the credit receiving unit 125 does not satisfy the preset condition, the processing of the first debt determining unit 142 and the second debt determining unit 144 is performed. Restrict.
• the netting permitting unit 132 may have both the rating information and the credit limit of the second obligor received from the credit receiving unit 125. If the set conditions are satisfied, allow the netting process.
• the comparison unit 13 4 Upon receiving the first debt amount and the second debt amount from the interest calculation unit 122, the comparison unit 13 4 calculates the sum of the unsettled first debt amount and the unsettled second debt amount. Are compared, and the comparison result is output to the netting limiting unit 1 36. That is, the comparison unit 134 compares the total of the first debt amount and the total of the second debt amount acquired by the receivable and debt acquisition unit 120. If the comparison unit 13 4 determines that the sum of the unsettled first debt amount and the unsettled second debt amount is out of the predetermined range, the retained calculation unit 15 The total of the outstanding first debt and the total of the unsettled second debt are output to 5 to indicate the calculation of retained earnings. Show.
• the comparing unit 135 instructs the retained earnings calculating unit 155 to calculate the retained earnings.
• the predetermined range is set based on, for example, the creditworthiness of the first obligor (ie, credit line, transaction history, etc.).
• the netting restriction unit 1336 When receiving the comparison result, the netting restriction unit 1336 receives the comparison result from the comparison unit 1334.According to the comparison result, the total unsettled first debt amount is equal to or less than the total unsettled second debt amount. When it is determined that the netting process is permitted, it is output to the netting unit 140, and it is determined that the total unsettled first debt amount is larger than the total unsettled second debt amount. Then, a message to the effect that the netting process is restricted is output to the netting section 140.
• the netting restriction unit 1 36 4 2 and 2nd debt determination unit 1 4 4 are allowed to be processed, and if the total of the 1st debt amount is larger than the total of the 2nd debt amount, the 1st debt determination unit 1 4 2 and the 2nd debt determination unit Restrict the processing of parts 144.
• the netting unit 140 upon receiving the judgment unit 130, the first debt amount, the second debt amount, the interest, and the fact that the netting process is permitted, generates the netting data. It instructs the first debt determination unit 144 and the second debt determination unit 144 and outputs the generated netting data to the netting information notification unit 150. On the other hand, when the netting unit 140 receives the notification that the netting process is to be restricted, the netting unit 140 restricts the netting process to the first debt determination unit 1442 and the second debt determination unit 144 and ends the process. . The netting unit 140 further outputs the generated netting data to the credit and debt storage unit 105.
• the credit and debt storage unit 105 stores the received netting data in association with the amount of credit and debt corresponding to the netting data.
• the receivables and payable storage unit 105 clears the amount of receivables and payables corresponding to the netting data.
• the netting unit 140 has a first debt determination unit 144 and a second debt determination unit 144.
• the first debt determination unit 142 Upon receiving an instruction to generate netting data from the netting unit 140, the first debt determination unit 142 divides the first debt amount received from the determination unit 130 into a bond of the second debtor. This is output to the netting information notification unit 150 as the amount of debt to the holder. That is, the first debt determination unit 144 sets the first debt amount to the debt amount of the second debtor to the creditor. Further, when the first debt determination unit 142 receives the interest from the judgment unit 130, the first debt determination unit 142 further adds the received interest to set the debt amount of the second debtor to the creditor. That is, the first debt determination unit 1442 calculates the sum of the interest received from the judgment unit 130 and the first debt amount as the debt amount of the second debtor to the creditor, Output to 150.
• the second debt determination unit 144 Upon receiving the netting data generation instruction from the netting unit 140, the second debt determination unit 144 uses the first debt amount and the second debt amount received from the determination unit 130 Calculate the debt amount of the first obligor to the first obligor and output it to the netting information notification unit 150. That is, the second debt determiner 144 calculates the amount obtained by subtracting the first debt from the second debt as the debt of the second debtor to the first debtor. The second debt determiner 144 may calculate the debt amount of the second debtor to the first debtor using the first debt amount, the second debt amount, and the interest. In other words, the first bond, the business determination unit 144 and the second debt determination unit 144 generate netting data using the first and second debt amounts including interest. Good.
• the first debt deciding unit 142 and the second debt deciding unit 144 when the netting permitting unit 132 determines that the creditworthiness of the second debtor satisfies the predetermined condition, Change the first debt to the debt of the second debtor to the creditor. Therefore, even if the creditworthiness of the first obligor is low, the credit of the second obligor is high, so the group (the creditor, the first obligor, and the second obligor) The likelihood of a default occurring within a bank.
• the netting information notification unit 150 When receiving the netting data from the netting unit 140, the netting information notification unit 150 transmits the netting data to the raw material maker system 30, the processing maker system 50, and the sales company system 70. That is, the netting information notification unit 150 converts the amount of debt determined by the first debt determination unit 142 and the second debt determination unit 144 into creditors, first debtors, and second debtors. Notify at least one of the persons. For example, the netting information notifying section 150 may indicate that the creditor has a loan equivalent to the sum of the first debt amount and interest on the second debtor, and that the first debtor has the second debt.
• the second debtor has a debt equivalent to the amount obtained by subtracting the first debt amount from the debt amount, the second debtor has a debt equivalent to the sum of the first debt amount and interest to the creditor, and Notify the creditor, the first debtor, and the second debtor that the first debtor has debt equal to the second debt minus the first debt.
• the netting information notification unit 150 notifies the creditor, the first debtor, and the second debtor of the netting data and information for identifying the claim or debt based on which the netting data is based. You may. That is, the netting information notification unit 150
• the debt determined by the debtor and the second debtor together with information on the amount of debt or debt acquired by the debtor acquirer. By doing so, creditors, etc. can apply for the credits, etc. corresponding to the netting process.
• the retained earnings calculation unit 15 55 calculates the unsettled first debt amount from the total unsettled first debt amount.
• the first debtor calculates the amount of retained earnings to be paid based on the sum of the unsettled second debts, and outputs it to the retained earnings notification unit 160. That is, if the difference between the amount of debt of the first obligor and the amount of debt is out of the predetermined range, the retained account calculation unit 15 Using the amount and the amount of debt, the amount of retained earnings to be paid by the first debtor is calculated.
• the retained earnings calculation unit 155 further outputs the calculated retained earnings to the receivable and payable storage unit 115.
• the debtor storage unit 105 stores the retained earnings set for the first obligor. Then, when the first debtor receives the notification that the retained money has been paid, the debtor storage unit 105 updates the data to be stored. For example, the credit and debt storage unit 105 subtracts retained earnings from the first debt amount.
• the retained earnings notification unit 160 Upon receipt of the amount of the retained money from the retained earnings calculation unit 155, the retained earnings notification unit 160 transmits the same to the processing maker system 50. That is, the retained earnings notification unit 160
• FIG. 6 shows a flow of the netting process performed by the netting support device 10.
• the receivable and payable storage unit 105 of the netting support device 10 Update the information of the amount of debt and the amount of debt to be stored (S100).
• the receivables and payables acquisition section 120 updates the information stored in the receivables and payables storage section 105. 01314
• the Creditor, the first debtor, and the second debtor related to the updated debt and debt are searched in the group storage 110, and the creditor, the first debtor are searched. And the group containing the second obligor (S105).
• the Obligation Obligation Department 120 relies on the specified debtor, the first debtor, and the second debtor for the first debt and the second debt, and the first debt and the second debt.
• the settlement date specifying information of the debt amount is obtained and output to the interest calculation unit 122 (S110).
• the interest calculation unit 1 2 2 calculates the interest based on the first debt amount and a difference between the settlement date of the first debt amount and the settlement date of the second debt amount, and calculates the first debt amount and the second debt amount.
• the judgment unit 130 determines whether or not the creditworthiness of the second debtor obtained from the credit receiving unit 125 satisfies the condition. Judge (S120). If the credit satisfies the condition (S120 : Yes), the comparison unit 1334 compares the first debt amount with the second debt amount, and outputs the comparison result to the netting restriction unit 1336. (S125). If the netting restriction unit 1336 determines that the first debt amount is equal to or less than the second debt amount, it outputs the first debt amount, the second debt amount, and the interest to the netting unit 140, and performs the netting process.
• the netting unit 140 When the netting unit 140 receives the first debt amount, the second debt amount, and the interest, it generates netting data and outputs the generated netting data to the netting information notification unit 150 (S14) 0). Upon receiving the netting data, the netting information notification unit 150 notifies the raw material maker system 30, the processing maker system 50, and the sales company system 70 of the netting data (S180). When the sales company system 70 performs the payment process corresponding to the netting data, the receivable and payable storage unit 105 detects the payment corresponding to the netting data, and the receivable amount and the debt corresponding to the netting data. Apply forehead.
• FIG. 7 shows a flow of generating netting data performed by the netting unit 140.
• the netting unit 140 Upon receiving the first debt amount, the second debt amount, and the interest, the netting unit 140 instructs the first debt determination unit 142 and the second debt determination unit 144 to perform the netting process.
• the second debt determiner 144 calculates an amount obtained by subtracting the first debt from the second debt (S142). Then, the second debt determination unit 144 sets the calculated amount as the debt amount of the second debtor to the first debtor, and outputs it to the netting information notification unit 150 (S144). Further, the first debt determining unit 142 adds interest to the first debt (S146).
• FIG. 8 shows a flow of a process performed by the netting support device 10 when a debt is fulfilled.
• the debt fulfillment information receiving unit 1 15 receives the information on the fulfillment of the debt and outputs it to the receivables and payables storage unit 105 (S 200 ).
• the receivables / deposits storage unit 105 When the receivables / deposits storage unit 105 performs the update process based on the information on the fulfillment of the obligations, the receivables / receivables acquisition unit 120 outputs the unsettled first debt amount and the unsettled
• the second debt amount is extracted and output to the comparison unit 134 (S210).
• the comparing unit 134 compares the received total of the first debt amount and the total of the second debt amount (S220). If the sum of the first debt exceeds the sum of the second debt (S230: Yes), the retained earnings calculator 155 calculates the retained earnings based on the sum of the first debt and the sum of the second debt. Is calculated and output to the retained earnings notification unit 160 (S240).
• the retained earnings notification unit 160 Upon receiving the calculated amount of the retained earnings, the retained earnings notification unit 160 notifies the processing maker system 50 (S250). When the processing maker system 50 pays the notified reserve, the credit and debt storage unit 105 updates the data of the amount of the bond or the amount of the debt corresponding to the processing maker system 50. On the other hand, if the total of the first debt is equal to or less than the total of the second debt in S230 (S230: No), the processing is terminated.
• FIG. 9 is a block diagram showing a hardware configuration of the netting support device 10.
• the netting support device 10 includes a CPU 700, a ROM 702, a RAM 704, and a communication interface 706.
• the CPU 700 operates based on programs stored in the ROM 702 and the RAM 704.
• the communication interface 706 communicates with the outside via a communication network.
• a hard disk drive 710 as an example of a storage device stores setting information and a program on which the CPU 700 operates. Or read the program and provide it to CPU 700.
• the communication interface 706 is connected to a communication network to transmit and receive data.
• the software executed by the CPU 700 is stored in a recording medium such as the flexible disk 714 or the CD-ROM 718 and provided to the user.
• the software stored on the recording medium may be compressed or uncompressed.
• the software is installed on the hard disk drive 7100 from the recording medium, read out to the RAM 704, and executed by the CPU 704.
• the software provided by being stored on the recording medium has a functional configuration of a debt and debt storage module, a group storage module, a debt fulfillment information receiving module, and a debt and debt. It includes an acquisition module, an interest calculation module, a credit reception module, a determination module, a netting module, a netting information notification module, a retained earnings calculation module, and a retained earnings notification module. Further, the determination module has, as sub-modules, a netting permission module, a comparison module, and a net restriction module. The netting module has a first debt determination module and a second debt determination module as sub-modules.
• the processing performed by these modules on the computer and performed by the CPU 700 is the same as the function and operation of the corresponding components in the netting support device 10 according to the present embodiment, and therefore the description thereof is omitted.
• the flexible disk 7 18 or the CD-ROM 7 18 as an example of the recording medium shown in FIG. 9 includes the operation of the netting support device 10 in all the embodiments described in the present application. Some or all of the functions can be stored.
• These programs may be read directly from the recording medium to the RAM and executed, or may be read and executed by the RAM after being installed in the hard disk drive.
• the program may be stored on a single recording medium or on a plurality of recording media.
• the modules stored in the recording medium may provide their respective functions in cooperation with the operating system. For example, the function may be requested to the operating system to perform part or all of the function, and the function may be provided based on a response from the operating system.
• Recording media include flexible disks, CD-ROMs, optical recording media such as DVDs, magnetic recording media such as MDs, magneto-optical recording media such as PDs, tape media, magnetic recording media, and IC cards.
• a semiconductor memory such as a miniature force can be used.
• a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the netting support device 10 via the communication network.
• the netting support device 10 of the present embodiment even if the creditworthiness of the first debtor is low, the risk of transactions in the group including the first debtor is reduced. Can be done.
• netting can be carried out for receivables and payables with different settlement dates.
• a reserve is set for the first debtor and the deposit is paid, so that the first debtor can be settled after netting. Loss can be reduced even if a default occurs due to a breach.
• the interest calculation unit 130 calculates, for example, the interest when the settlement date of the first debt is set to the settlement date of the second debt.
• the interest calculation unit 130 may calculate the interest when the settlement date of the second debt is set to the settlement date of the first debt. That is, the interest calculation unit 130 may calculate the interest according to the number of days obtained by subtracting the second debt from the settlement date of the first debt and the second debt.
• the second debt determiner 144 adds the interest plus the amount obtained by subtracting the first debt from the second debt to the first debtor of the second debtor. Set as debt amount.
• the interest calculation unit 130 may calculate the interest based on a day other than the settlement date of the first debt and the settlement date of the second debt. For example, the interest calculator 130 uses the last day of the month Calculate interest based on industrial applicability

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Cited By (2)

• 2003
  • 2003-02-07 WO PCT/JP2003/001314 patent/WO2003067490A2/fr active Application Filing
  • 2003-02-07 AU AU2003244360A patent/AU2003244360A1/en not_active Abandoned
  • 2003-02-07 JP JP2003566766A patent/JPWO2003067490A1/ja active Pending

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