JP2010055178A - Factoring server device in early reduction system to credit card member store by purchase of credit card credit using factoring - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a factoring server device in an early return system to a credit card member store by purchasing credit card receivables using factoring which can be operated smoothly and safely.
A factoring server device has a function of performing an early payment using factoring and a process of performing an ordinary due payment without factoring. In order to perform these functions, a master table for a card company / credit member store, etc., and a table for use when factoring and not for factoring are provided.
[Selection] Figure 4

Description

  The present invention relates to a factoring server device in an early return system to a credit card member store by purchasing credit card receivables using factoring.

  In recent years, so-called factoring has been performed in which payment is made earlier than the payment span of a credit card company based on accounts receivable (hereinafter referred to as “credit card receivable”) generated when a credit card is used. As shown in FIG. 8, the factoring that is generally performed is formed by the factoring company 3 having credit card receivables, and the factoring company 3 also serves as a financer and makes an early payment to the credit card member store 1. In this case, a comprehensive contract is made between the credit card company 4 and the factoring company 3 so that the factoring company 3 acts as a general agency of the credit card company. It is handled as a branch. In this case, a contract between the credit card member store 1 and the factoring company 3 and between the factoring company 3 and the credit card company 4 are both signed. The fact is that no contract is exchanged between the store 1 and the credit card company 4.

However, the form of the factoring may cause problems for credit card member stores and credit card companies.
That is, in the above factoring form, when the factoring company goes bankrupt, etc., the credit card company cannot pay the accounts receivable. This is because the credit card company does not know each credit card member store with which the factoring company has a contract and does not know the bank account of the credit card member store. When such a situation occurs, the credit card member store lacks business funds and hinders its business activities. On the other hand, since a factoring company uses a credit card company's brand to conduct business activities, the credit card company significantly damages the credit card company's brand image.

In this regard, the applicant of the present application has also proposed an early return system to credit card member stores by purchasing receivables using factoring (Patent Document 1).
JP 2003-50917 A

  By the way, the applicant of the present application has also proposed the above Patent Document 1, but there is a factoring server device in an early return system to a credit card member store by purchasing credit card receivables using factoring that can be operated more smoothly and safely. I was asked.

  Moreover, even if a factoring company goes bankrupt, etc., a safe system that does not cause damage is required for credit card member stores and credit card companies.

  The present invention has been made in view of the above-described problems, and a plurality of terminal devices installed for each credit card member store, and one or a plurality of settlement information processing in which the plurality of terminal devices are connected via a communication network. A credit card system comprising a center server device and one or more credit server devices connected to the one or more payment information processing center server devices via a communication network, A plurality of settlement information processing center server devices, a factoring server device connected to each of the one or more credit server devices via a communication network, the one or more settlement information processing center server devices, and the factoring server Factoring comprising: a finance server device connected to each of the devices via a communication network In an early return system to a credit card member store by purchasing a used credit card receivable, the factoring server device accesses the one or more settlement information processing center server devices and acquires sales data; Sales storage means for storing the acquired sales data in the sales table, individual sales storage means for extracting only the sales data for factoring from the sales data stored in the sales table, and storing the sales data in the individual sales table; Display means for displaying a list of individual sales data stored in the individual sales table, and sales data for each day is extracted from the sales data stored in the individual sales table at a predetermined time every day and stored in the daily sales table. Daily sales storage means and daily stored in the daily sales table Display means for displaying a list of upper data, and for every predetermined period, obtains combinations of all credit card companies and credit card member stores to be factored from the fee master table, and the daily sales table for each combination The sales data for a predetermined period is extracted and accumulated from the above, and the cumulative calculation means for performing cumulative calculation of the extracted and accumulated sales data for the predetermined period, and the extracted sales data and the cumulative calculation data are stored in the cumulative sales table. And a display means for displaying a list of accumulated sales data and accumulated calculation data stored in the accumulated sales table.

  Further, the factoring server device includes an input receiving means for receiving input of the total sales amount information for each credit card member store of the credit card company and the card company granting member store code respectively given to the member store by the credit card company; Based on the card company granting member store code, the card company granting member store code in the fee master table is searched and extracted, and the member store code is extracted from the data file of the member store having the extracted card company granting member store code. Based on the member store code extraction means and the member store code extracted from the fee master table, the member store code file is searched for the member store code in the individual settlement table and the data file of the member store having the member store code is extracted. Extraction means and extracted from the individual settlement table Sales amount storage means for storing each fee amount calculated by multiplying the total sales amount information by each fee rate stored in the fee master table in a predetermined field of the member store data file; Display means for displaying the merchant payment details information including the sales amount and each commission amount stored in the individual settlement table, cumulative settlement table creation accepting means for accepting a cumulative settlement table creation request, and the individual settlement table And a cumulative settlement information creation storage means for extracting and multiplying the sales and each commission amount for a predetermined period from the cumulative sales table and storing them in a predetermined field of each member store data file of the cumulative sales table, and the cumulative settlement Display means for displaying the accumulated payment details information stored by the information creation storage means And features.

  In addition, the factoring server device receives a transfer data creation request accepting unit for accepting a transfer data creation request, and receives a transfer data creation request by the transfer data creation request accepting unit, and then transfers each credit card member store from the member store master table. Extract each data related to the bank, and also extract each data related to the closing date for each credit card company and the payment amount for each credit card member store from the cumulative sales table and the cumulative settlement table, and read these data A transfer data file creation means for creating a transfer data file for each destination bank designated by the credit card member store, a transfer data file display means for displaying the transfer data file, and when the transfer data file is created. Is the cumulative sales table and A paid update means for updating the payment section of the product settlement table paid, and characterized in that it comprises a.

  In addition, the factoring server device receives daily assignments when receiving a claim assignment statement creation request receiving means for accepting a claim assignment statement creation request and a claim assignment statement creation request by the claim assignment statement creation request accepting means. From the table, the sales amount data and each commission amount data are obtained for each credit card member store, and from the data, the receivable assignment details creating means for creating the receivable assignment details for receiving the receivable assignment, and the receivable assignment details are displayed. And a claim assignment details storage means for storing the claim assignment details to be stored in a claim management table.

  In addition, the factoring server device receives a revenue management information creation request receiving unit that receives a revenue management information creation request, and receives a revenue management information creation request by the revenue management information creation request accepting unit. Individual data from franchise fee, advance payment fee, receivable purchase fee, transfer fee (early payment) and transfer fee (due date payment) are individually obtained from the table, individual settlement table and cumulative settlement table. Revenue management information creating means for creating revenue management information, revenue management information display means for displaying the profit management information, and revenue management information storage means for storing the profit management information in a profit management table. It is characterized by becoming.

  Further, the factoring server device includes: a login receiving unit that receives a login from an arbitrary computer having at least an input unit and a display unit via a communication network; and a credit card transmitted from the arbitrary computer at the time of the login Means of comparing member store code and inquiry password with each member store code and member store password stored in member store master table, and when the member store code and member store password match, the transaction details are inquired. In the transaction content inquiry screen display means for displaying the screen on the display means of the arbitrary computer, and in the transaction content inquiry screen displayed on the display means of the arbitrary computer, a transaction period and a credit card company name are input, and the factoring When sent to the server device, the cumulative sales A payment transaction details screen display means for displaying a payment transaction details screen showing information on credit card member stores corresponding to the credit card member store code and sales information of early payment for performing the factoring corresponding to the transaction period; The payment transaction details screen displayed on the display means of the arbitrary computer displays a due date settlement information detail button, and when the due date settlement information detail button is clicked, the credit card member store from the cumulative settlement table. A credit card member store that matches the code, and a due date settlement content detail screen display means for displaying a due date settlement content detail screen that displays sales information of due date payment that does not perform factoring corresponding to the transaction period. It is characterized by.

  In the early return system to the credit card member store by purchasing the credit card receivable using the factoring in which the factoring server device according to the present invention is used, unlike the conventional factoring system, even between the member store and the credit card company A merchant contract will be signed. Therefore, even if the factoring company goes bankrupt, etc., it is possible to transfer directly from the credit card company to the credit card member store on the normal payment date. Therefore, the credit card member store can be protected. Also, for credit card companies, it is very safe because it knows each credit card member store, and even if a factoring company goes bankrupt, etc., it will be a system that does not impair the image of its own brand. Even if a financial institution that provides funds to a factoring company goes bankrupt, etc., credit card merchants and credit card companies will not be damaged by taking over the position of another financial institution. .

An embodiment of a factoring server device according to the present invention and an early return system to a credit card member store by purchasing a credit card bond using factoring using the factoring server device will be described with reference to the drawings.
FIG. 1 is a schematic diagram showing the flow of data and money when the factoring server device according to the present invention and the early return system to a credit card member store by purchasing credit card receivables using factoring are operated. In FIG. 1, 10 is a credit card member store, 20 is a payment information processing center for storing and storing payment information, 30 is a factoring company, 40 is a credit card company, 50 is a fine lancer such as a bank, 60 is a bank in charge of transfer, It is. Although not shown in the present embodiment, a CAFIS center (credit and finance information system) may be interposed between the settlement information processing center 20 and the credit card company 40.

  First, the data flow in the present system will be briefly described. Credit card payment data is transmitted from the credit card member store 10 to the payment information processing center 20. When payment data is approved at the payment information processing center 20, the payment data is transmitted to the credit card company 40. The factoring company 30 and the fine nonce 50 access the payment information processing center 20 and acquire the payment data.

  Next, the flow of money in the present system will be briefly described. When the credit card receivable subject to early return is purchased at the factoring company 30, the money of the amount that is quickly returned from the bank or the like that is the financier 50 is transferred to an account of the bank or the like of the factoring company 30. After that, the factoring company 30 instructs the bank 60 in charge of transfer to transfer the money to be quickly returned to the bank account of the credit card member store 10. The bank 60 in charge of receiving the transfer instruction transfers money to the account of the credit card member store 10. Thereafter, money from the credit card company 40 regarding the credit card receivable subject to the early return is transferred to an account of the factoring company 30 such as a bank. Thereafter, the factoring company 30 repays the money financed to the financer 50.

  FIG. 2 is a diagram showing a schematic configuration of hardware and a network of an early return system to a credit card member store by purchasing credit card receivables using factoring according to the present invention. FIG. 3 is a diagram showing a system flow and an outline of operation processing of an early return system to a credit card member store by purchase of a credit card receivable using the factoring according to the present invention. 2 and 3, reference numeral 10 denotes a credit card member store. 20a, 20b, 20c are all settlement information processing centers. Reference numeral 300 denotes a factoring server device installed in a factoring company. Reference numerals 11, 21a, 21b, 21c, 310a, 310b, and 310c are all routers. Reference numeral 12 denotes a terminal device for credit card settlement. The terminal device 12 for credit card payment reads the magnetic data of the credit card, transmits the data to the payment information processing centers 20a, 20b, and 20c, and also validates the credit card from the payment information processing centers 20a, 20b, and 20c. It is a device that can receive a notification of invalidity and display the reception result on a display unit. 13 is a personal computer of a credit card member store. The personal computer 13 includes an input unit such as a keyboard and a mouse for generating various commands and various data based on contents operated by the user, various commands output from the input unit such as the keyboard and mouse, various data, The instructed process is performed based on an OS (Operating System), an application program, and the like installed in advance. 22a, 22b, and 22c are settlement information processing center servers installed in each settlement information processing center. Reference numeral 14 denotes an arbitrary computer.

  Reference numeral 320 denotes a modem for an ADSL (Asymmetric Digital Subscriber Line) line. Reference numeral 330 denotes a firewall for preventing unauthorized intrusion by a third party. Reference numeral 340 denotes a printer. A client 350 such as a personal computer includes a display unit such as a display and an input unit such as a keyboard that generates various commands and various data based on contents operated by the user. System), an instructed process is performed based on an application program or the like. Reference numeral 360 denotes a factoring server having functions of a WebLogic server (Web application server) and an SQL server. The WebLogic server has a software execution environment, a connection function to a database, a transaction management function for linking a plurality of processes, etc., and implements business logic (business process method) for controlling the flow of business processes. Yes, it is also a programming interface for issuing SQL statements and receiving results. The SQL server is a database server that uses SQL as the database language.

  Here, the flow of processing in the factoring server 360 will be described. When there is an access from the client 350 or the personal computer 13 of the credit card member store 10 and an instruction is received, an SQL (Structured Query Language) sentence that is a database language is generated from the instruction by software installed in advance in the WebLogic server, Issue to the SQL server. Receiving this, the SQL server executes processing according to the instruction by software pre-installed in the SQL server, and issues the execution result to the WebLogic server. Receiving this, the WebLogic server transmits the execution result to the client 350 or the personal computer 13 of the credit card member store 10.

  Reference numeral 100 denotes a communication network such as a dedicated line, the Internet, or an intranet. Reference numerals 101, 102, and 103 denote communication lines such as public lines, ISDN (Integrated Services Digital Network) lines, or ADSL lines. Reference numeral 200 denotes an ISDN line.

  FIG. 4 is a conceptual diagram of a table relation in the database of the factoring server 360 of the early return system to a credit card member store by purchasing credit card receivables using factoring according to the present invention.

  The database of the factoring server 360 includes a master table group 3610, a sales system table group 3620, a settlement system table group 3630, and a profit management system table group 3640. The master table group 3610 includes a card company master table 3610a, a member store master table 3610b, a terminal master table 3610c, an advance payment days master table 3610d, a fee master table 3610e, a transfer fee master table 3610f, and an agency master table 3610g. . The master table group 3610 is a table group used in user authentication, credit card member store information acquisition, credit card company information acquisition, client login processing, and the like.

  The card company master table 3610a is a master table for managing credit card company information. The credit card company distribution code (card company distribution code is used only in Japan) for each credit card company. This is a dedicated code given to companies that issue credit cards, etc., and consists of 5 digits.), The name of the credit card company, the bank code and bank branch code of the bank in charge of fund management of the credit card company・ Data file including data such as account type and account number, bank code of bank in charge of transfer, name, bank branch code, bank branch code, bank branch name, account type, account number, etc. Yes.

  The member store master table 3610b is a master table for managing credit card member store information. In this table, for each credit card member store, the member store code, member store name, member store address, member store telephone number are stored.・ Member's fax number ・ Member's person in charge name ・ Member's person in charge e-mail address, etc., records related to credit card merchants, transfer bank code, transfer bank name, transfer bank branch code, transfer bank branch name, transfer account Record of transfer bank and transfer, such as item, transfer account number, transfer account name, factoring pattern, contract date, factoring contract start date, factoring contract end date, agent code, retain rate, receivable purchase fee, agent receivable purchase fee Data including records such as rate, upper limit of payment, WEB reference member store password Files are stored memory.

  The terminal master table 3610c is a master table for managing information on terminal devices installed in credit card member stores. In this table, for each terminal device, a terminal identification number, member store code, terminal classification, terminal installation destination A data file containing records such as postal code, address, telephone number, FAX number, name of person in charge, mail address of person in charge is stored and stored. The advance payment days master table 3610d is a master table that manages the advance payment fee rate for each credit card company. For each credit card company, the credit card company code, the advance start sales date, the advance end sales date, the advance day number, etc. A data file containing records is stored and stored. The fee master table 3610e is a master table for managing a member store fee rate between a credit card company and a credit card member store. For each credit card company and each credit card member store, a credit card company code, a member store code, A data file containing records such as credit card company-affiliated member store code, member store fee rate, and specific company member store fee rate is stored and stored.

  The transfer fee master table 3610f is a master table for managing the transfer fee rate of each bank in charge of transfer. In this table, for each transfer bank, the transfer source bank code, the transfer amount lower limit, the transfer amount upper limit, the transfer destination category, etc. A data file containing these records is stored and stored. In the agency master table 3610g, for each agency, the agency code, agency name, agency zip code, address, telephone number, fax number, name of person in charge, person in charge e-mail address, bank code, bank name A data file including records such as a transfer bank branch code, a transfer branch name, a transfer account type, a transfer account number, and a transfer account name is stored and stored.

  The sales system table group 3620 is a table group in which sales for factoring are stored and stored. The table group includes an individual sales table 3620a, a daily sales table 3620b, and a cumulative sales table 3620c. Although not shown here, there is also a sales table that first stores sales data acquired from the settlement information processing center server device. The individual sales table 3620a is a table for managing individual sales information, and in this table, for each individual sales information, the distinction of payment information processing center, card company distribution code, member store code, agency code, terminal A data file containing records such as an identification number, sales date, transaction classification, transaction code, and total sales is stored and saved. The daily sales table 3620b is a table for managing daily-based cumulative sales information to be factored. In this table, for each credit card member store, the card company distribution code, member store code, agency code, sales year A data file including records such as date, transaction code, number of sales, number of sales subject to advance payment, total sales, total sales subject to advance payment, and merchant fee is stored and saved.

  The cumulative sales table 3620c is a table for managing the status of early payment for each closing date from the daily sales table. In this table, for each credit card member store, the card company distribution code, member store code, and agent code are stored. , Start date, start date, total sales within period, total returns within period, qualifying receivables, upper limit of payment, excess amount of upper limit, retained amount within upper limit, payment adjustment amount, total retained amount, amount subject to payment, A data file containing records such as merchant fee, advance payment fee, purchase fee amount, payment refusal / holding amount, repurchase request amount, early payment amount, transfer fee, early payment amount, etc. is stored and saved Yes. Here, “retain” means a payment hold.

  The settlement system table group 3630 is a table group in which sales that are not factored, that is, sales that are paid for each normal date are stored and stored, and this table group includes an individual settlement table 3630a and a cumulative settlement table 3630b. The individual settlement table 3630a is a table for managing individual member store return information. In this table, for each credit card member store, the card company distribution code, member store code, terminal identification number, date of sale, transaction A data file including records such as classification, transaction code, sales amount, member store fee, agent member store fee, and advance payment fee is stored and stored. The cumulative settlement table 3630b is a table for managing the due payment status for each credit card company closing date from the individual settlement table. In this table, for each credit card company, the credit card company distribution code, the member store code, and the credit card company aggregation Date of settlement, start date for settlement, end date for settlement, total eligible receivables, total amount exceeding the upper limit, total retained amount within the upper limit, total payment adjustment amount, total retained amount, total amount subject to payment, total merchant fee, advance Total payment fee, total receivables purchase fee, total payment refusal / holding amount, total repurchase request amount, total early payment amount, total early payment transfer fee, total early payment transfer amount, card company terminal usage amount, card company terminal usage Outer amount, card company member store fee, card company advance payment fee, card company transfer amount, amount subject to due date settlement, due date payment transfer Forehead, transfer fee, the due date of payment transfer payment amount, the data file that contains a record of the like are stored and saved.

  The revenue management system table group 3640 includes a revenue management table 3640a and a bond management table 3640b. The revenue management table 3640a is a table in which the revenue management information of the due payment period in which no factoring is performed is recorded. In this table, the card company distribution code, the member store code, the member store name, the agent code, the agent name, Start date of calculation, end date of calculation, qualifying claim amount, qualifying claim adjustment, total qualifying claim amount, merchant fee, advance payment fee, total franchise fee, agency member store fee, agency member store fee revenue, member Store fee revenue, advance payment fee revenue, total merchant fee revenue, member store receivable purchase fee, agent receivable purchase fee revenue, early payment member store transfer fee, due date member store transfer fee, agent revenue A data file containing records such as totals is stored and saved. The receivable management table 3640b is a table used to create a receivable purchase request statement to be presented to the financial adviser at the time of early payment for factoring. This table includes a card company distribution code and a member store code for each credit card member store. , Merchant-specific merchant code, merchant name, contract date, starting date, starting date, number of sales in period, sales amount in period, merchant fee, advance payment fee, advance payment fee, amount of receivable transfer, etc. A data file containing these records is stored and saved.

  Next, a processing flow of the factoring server apparatus 300 according to the present embodiment will be described with reference to FIGS. FIG. 5 is a diagram showing a flow of an early payment operation process for performing factoring, that is, a process flow for creating an individual sales table, a daily sales table, and a cumulative sales table. FIG. 6 is a flow of the due payment operation processing for performing normal processing without performing factoring, that is, (a) is a diagram showing an individual settlement table creation processing flow, and (b) is a cumulative settlement table creation processing flow. FIG. FIG. 7 is a diagram showing a process flow for creating due date transfer data. The factoring server device 300 has, as its operation processes, an early payment operation process when performing factoring, a due payment operation process that pays at a normal payment interval, a transfer data creation operation process, an asset receivable transfer statement operation process when performing factoring, Revenue management information processing is performed to manage revenue including payment and due payment. Further, the factoring server device 300 extracts cumulative sales data from the cumulative sales table 3620c or extracts early payment data from the cumulative settlement table 3630b in response to a request from the personal computer 13 of the credit card member store. Processing to transmit to 13 is also performed.

The early payment operation process is an operation process for performing factoring and making an early payment, and in the case where the factoring server device 300 acquires data of credit card receivables from the settlement information processing center server devices 20a, 20b, and 20c, This is processing from acquisition of daily sales information to creation of early transfer data. The due-payment operation process is an operation process for paying at a regular credit card company payment interval that does not perform factoring, and the factoring server device 300 transmits the credit card bond data to the settlement information processing center server device 20a, This is transfer data creation processing for making a transfer on a predetermined date (closing date) when not acquiring from 20b and 20c. The transfer data creation / operation process is a process for creating transfer data for each destination bank based on the data created by the early payment operation process and the due date operation process. The receivable assignment details operation processing is processing for creating details of a credit card receivable to be transferred, and the details are presented to the financial adviser. Revenue management information processing creates information for revenue management consisting of each data of merchant fee, advance payment fee, receivable purchase fee, transfer fee (early payment) and transfer fee (due date payment) within a specified period It is processing to do.
Hereinafter, each of these operation processes will be described.

<Operation processing at early payment>
The operation process at the time of early payment will be described.
(1) Operation processing in the settlement information processing center servers 22a, 22b, and 22c.
The credit card payment terminal device 12 of the credit card member store 10 reads the magnetic data of the credit card, inputs the sales amount into the terminal device 12, and presses the send button. Then, in the terminal device 12, preinstalled application software is activated, and the magnetic data of the credit card, the sales amount, the date of purchase, the credit card member store code, and the like are stored in the communication network and the settlement information processing center 20. Are transmitted to the settlement information processing center servers 22a, 22b, and 22c of the settlement information processing center 20 via the routers 21a, 21b, and 21c installed in the network. Then, these transmission data are transmitted to the credit server device (not shown) installed in the credit card company by the settlement information processing center servers 22a, 22b, and 22c, and the credit card server device determines the credit limit. Judgment processing of whether or not to perform credit settlement is performed based on credit authentication data (credit database) such as confirmation and invalid card check. When the credit card payment is approved as a result of the determination process of the credit card payment in the credit card server device, the approval information is transmitted to the terminal device 12 via the payment information processing center servers 22a, 22b, and 22c. When the credit settlement is performed, each settlement information (sales data) is stored and accumulated in the database of the settlement information processing center servers 22a, 22b, and 22c. Based on the stored and stored payment information, the sales data for one day is created after the end of the day (for example, midnight) and stored and stored in the databases of the payment information processing center servers 22a, 22b, and 22c. . In the credit card server device, when the credit payment is not approved, the non-approval information is transmitted to the terminal device 12 via the payment information processing center servers 22a, 22b, and 22c.

(2) Individual sales table 3620a creation processing.
The factoring server 360 starts application software installed in advance at a predetermined time every day, and passes through the routers 310a, 310b, 310c, the communication network 200, and the routers 21a, 21b, 21c of the settlement information processing centers 20a, 20b, 20c. Then, each settlement information processing center server 22a, 22b, 22c is accessed (S101). Next, the factoring server 360 issues a download request for sales data (sales data for the previous day) to the settlement information processing center servers 22a, 22b, and 22c (S102). Receiving this download request, each settlement information processing center server 22a, 22b, 22c reads the sales data (sales data for the previous day) from the database and issues a download permission to the factoring server 360. The factoring server 360 downloads all sales data for the previous day (S103), and stores and saves it in the sales table (S104). Only the sales data to be factored is extracted from the acquired sales data (S105), and stored in the corresponding record of the individual sales table 3620a (S106).

  Here, a method for extracting sales data to be factored from sales data stored and stored in the sales table will be described. The factoring server 360 stores the terminal identification number, card company distribution code, KDI (specific information) stored and stored in the sales table. The company company code) and the card company granting member store code, the terminal identification number stored in the terminal master table 3610c, the card company distribution code stored in the card company master table 3610a, and the card company master table 3610a, respectively. Compared with the card company granting member store code stored in the KDI and fee master table 3610e, the sales data matching them is extracted.

  The stored sales data is accessed from the client 350 and can be displayed on a display device such as a display of the client 350 when a display instruction is received. If an error occurs in this download request, an error log is output and the process is stopped. If there is an abnormality in a part of the sales data record, the record is skipped and the next process is executed.

(3) Daily sales table 3620b creation processing.
Next, sales data for one day is extracted from the sales data stored in the individual sales table 3620a based on the data of the sales date record (S107), and the extracted sales data is stored in the daily sales table. It is stored and saved in 3620b (S108). The stored sales data is accessed from the client 350 and can be displayed on a display device such as a display of the client 350 when a display instruction is received. If an error occurs in the sales data extraction process, an error log is output and the process is stopped. If there is an abnormality in a part of the sales data record, the record is skipped and the next process is executed.

(4) Cumulative sales table 3620c creation processing.
Next, from the daily sales table 3620b for each period of early payment (for example, if the period is every 5 days, the 5th, 10th, 15th, 20th, 25th, and the last day of every month) Sales data for the corresponding period is extracted (S109). That is, based on the sales date data stored in the daily sales table 3620b, sales data during a period subject to early payment is extracted. If an error occurs in the sales data extraction process, an error log is output and the process is stopped. If there is an abnormality in a part of the sales data record, the record is skipped and the next process is executed.

Next, the card company granting member store code and the terminal identification number of the terminal master table are extracted from the fee master table 3610e, the combination processing of the credit card company and the credit card member store is performed, and the combination is acquired (S110).
For each credit card member store of each credit card company, from the extracted sales data, the total sales within the period (total sales amount within the early payment period), the total such as returns within the period (cancellation / return within the early payment period) Total amount), qualifying receivables (total sales during the period-total returns within the period, etc.), excess amount over the upper limit (qualified receivables amount-upper limit of payment), and total retained amount (exceeding the upper limit amount + amount within the upper limit + payment adjustment) Amount), payment amount (eligible credit amount-total amount of retains), merchant fee amount (summed from daily sales table), advance payment fee amount (summed from daily sales table), purchase fee amount (payable amount * Merchant store master, receivable purchase fee rate), early payment amount, transfer fee amount (qualified receivable amount-upper limit amount exceeded-upper limit retain amount-member store fee amount-purchase fee amount-payment refusal hold amount-repurchase request ), Early payment deposit amount (early payment amount - transfer fee), but are respectively stored and saved to the cumulative sales table 3620c is calculated based on a predetermined calculation formula (S 111, S112). The accumulated sales data stored and stored can be displayed on a display device such as a display of the client 350 when accessed from the client 350 and a display instruction is accepted.

<Operation processing when due date>
The due date payment operation process will be described.
(1) Individual settlement table 3630a creation processing.
The factoring server 360 accepts the input of the total sales amount information for each credit card member store of the credit card company and the card company grant member store code assigned by the credit card company to its own member store from the client 350 (S201). . The factoring server 360 that has received this information searches and extracts the card company granting member store code of the fee master table 3610e based on the card company granting member store code, and the member store having the extracted card company granting member store code. The member store code is extracted from the data file (S202). Next, based on the member store code extracted from the fee master table 3610e, the member store code of the individual settlement table 3630a is searched, and the data file of the member store having the member store code is extracted (S203). Each commission amount calculated by multiplying a predetermined field of the member store data file extracted from the individual settlement table 3630a by the total sales amount information and each commission rate stored in the commission master table 3610e, Is stored and saved (S204). That is, a pre-installed application is started, and based on the sales amount data, the sales amount (total sales * fee master. Merchant fee rate), merchant fee (total sales * fee master. Specific company member store fee) , Agency member store fees (total sales * commission master. Advanced payment fee rate), advanced payment fees (total sales * fee master. Advanced payment fee rate), etc. It is stored and saved in a predetermined record of the checkout table.

  The merchant payment details information including the sales amount and each commission amount stored in the individual settlement table 3630a can be displayed on a display device such as a display of the client 350 in response to a request from the client 350. This payment details information (sales information) includes data of terminal identification number, date of sales, transaction classification (classification of lump sum payment or revolving payment), transaction code (classification of sales or cancellation / returned goods), and sales amount It is. If an error occurs in the process of reading and storing the payment details information (sales information), an error log is output and the process is stopped.

(2) Cumulative settlement table 3630b creation processing.
The user who operates this system logs in to the factoring server 360 at the client 350, makes a settlement table creation request by means of input means such as a keyboard / mouse, etc., and then the date of settlement and the start date of settlement target And the settlement target end date are input using an input means such as a keyboard / mouse, and then the cumulative settlement table 3630b is requested to be created using the ENTER key or the like.

  When the factoring server 36 accepts the request for creating the cumulative settlement table 3630b (S301), the pre-installed application software is activated, and the data for the target period stored in the record of the individual settlement table 3630a is called, Based on the above formula, and stored in a predetermined record of the cumulative settlement table 3620b. This includes a card company terminal usage amount, a card company terminal non-use amount, a card company member store fee, and a card company advance payment fee. (S302, S303, S304). That is, the period of the settlement target start date and the settlement target end date are compared with the sales date data of the individual settlement table 3630a, and it is determined whether or not the period falls within the period, and the sales data is extracted.

  Similarly, the data of the target period stored in the predetermined record of the cumulative sales table 3620c is read and stored as a total sum for early payment at a predetermined position of the record of the cumulative payment table 3630c. This includes total qualifying claims, total overage limit, total retention amount, total payable amount, total merchant fee, total advance payment fee, total receivable purchase fee, total payment refusal / holding amount, repurchase request The total amount, the total amount of the early payment transfer fee, and the total amount of the early payment transfer deposit are applicable (S305, S306, S307).

<Transfer data creation and operation processing>
The user logs in to the factoring server 360 using the client 350 and makes a transfer data creation request using input means such as a keyboard / mouse. When the factoring server 360 accepts this transfer data creation request (S401), it extracts each data related to the transfer bank for each 3610b credit card member store from the member store master table, as well as the cumulative sales table 3620c and the cumulative settlement table 3630c. From each credit card company, the data regarding the closing date and the payment amount for each credit card member store are extracted (S402). These data are read, a transfer data file is created for each destination bank designated by the credit card member store, and displayed on a display device such as a display of the client 350 (S403, S404). Next, when the transfer data file is created, the payment category of the cumulative sales table and the cumulative settlement table is updated to paid (S405). If the total transfer amount is 0 yen or less, no transfer data file is created.

  Here, the transfer data includes a header record, a data record, a trailer record, and an end record. The header record contains the data category, identification code, code category, transfer requester code, transfer requester name, transfer designation date, destination bank number, destination bank name, destination branch bank, destination bank branch name, destination account , The account number of the destination settlement account, etc. are included. Data record includes data classification, destination bank number, destination bank name, destination branch number, destination bank branch name, bill exchange office number, deposit type, account number, depositor name, transfer amount, etc. It is. The trailer record includes data classification, total number of transfer details, total amount of transfer details, and the like. The end record includes records such as data classification.

<Operation of processing of assignment of receivables>
A user who operates this system logs in to the factoring server 360 using the client 350 and makes a claim assignment statement creation request using an input means such as a keyboard / mouse. When the factoring server 360 accepts this claim assignment statement creation request, the sales amount data and each fee amount data are acquired from the daily sales table 3620b for each credit card member store, and the assignment of the claim is received from these data. Is created and displayed on a display device such as a display of the client 350. The data of the claim assignment statement is stored and saved in the claim management table 3640b.

<Revenue management information processing>
The user logs in to the factoring server 360 using the client 350 and makes a request for creating revenue management information using an input means such as a keyboard / mouse. When the factoring server 360 accepts this revenue management information creation request, the member store fee, advance payment fee, receivable purchase fee are individually selected from the daily sales table 3620b, cumulative sales table 3620c, individual settlement table 3630a, and cumulative settlement table 3630b. Then, each data of the transfer fee (at the time of early payment) and the transfer fee (at the time of payment on the due date) is acquired, and profit management information composed of these data is created and displayed on a display device such as a display of the client 350. This revenue management information is stored and saved in the revenue management table 3630a.

<Cumulative sales data / early payment data extraction process>
A user of this system logs in from any computer 14 provided with at least input means and display means. The factoring server 360 uses the credit card member store code and the inquiry password (WEB reference member store password) transmitted from the computer 14 at the time of login to store each member store code and member stored in the member store master table 3610b. Contrast with store password. When the member store code and the member store password (WEB reference member store password) match, the transaction content inquiry screen is displayed on a display device such as a display of the arbitrary computer 14. When a transaction period and a credit card company name are input on the transaction content inquiry screen displayed on the display device of the arbitrary computer 14 and transmitted to the factoring server device, the credit card member store code is stored in the cumulative sales table 3620c. The payment transaction details screen is displayed, which displays the credit card member store that matches with the sales information of the early payment for performing the factoring corresponding to the transaction period. On the payment transaction details screen displayed on the display device of the arbitrary computer 14, a due date settlement information detail button is displayed, and when the due date settlement information detail button is clicked, the credit card member store from the accumulated settlement table. A due date settlement details screen is displayed that displays credit card member stores that match the code and due payment information that does not perform factoring corresponding to the transaction period. As a result, the user of this system can confirm the sales status of the credit card member store to which the user belongs.

  According to the above-described embodiment of the present invention, unlike a conventional factoring system, a member store contract is signed between a member store and a credit card company. Even in such a case, it is possible to transfer money directly from the credit card company to the credit card member store on the normal payment date. Therefore, credit card member stores are protected, and for credit card companies, each credit card member store is known, so it is very safe, even if a factoring company goes bankrupt, etc. It will be a system that does not spoil the image. Even if a financial institution that provides funds to a factoring company goes bankrupt, etc., credit card merchants and credit card companies will not be damaged by taking over the position of another financial institution. .

FIG. 1 is a schematic diagram showing the flow of data and money when the factoring server device according to the present invention and the early return system to a credit card member store by purchasing credit card receivables using factoring are operated. FIG. 2 is a diagram showing a schematic configuration of hardware and a network of an early return system to a credit card member store by purchase of a credit card bond using factoring according to the present invention. FIG. 3 is a diagram showing a system flow and an outline of operation processing of an early return system to a credit card member store by purchase of a credit card receivable using the factoring according to the present invention. FIG. 4 is a conceptual diagram of a table relation of the database of the factoring server 36 of the early return system to the credit card member store by purchasing credit card receivables using the factoring according to the present invention. FIG. 5 is a diagram showing a flow of operation processing at the time of early payment, that is, a creation processing flow of an individual sales table, a daily sales table, and a cumulative sales table. 6A and 6B are flowcharts of due date operation processing, that is, FIG. 6A is a diagram illustrating an individual settlement table creation processing flow, and FIG. 6B is a diagram illustrating a cumulative settlement table creation processing flow. FIG. 7 is a diagram showing a process flow for creating due date transfer data. It is the figure which showed the relationship between a factoring company, a credit card member store, and a credit card company in the factoring generally performed.

Explanation of symbols

1,10 Credit card member store 11 Router 12 Terminal device 13 Personal computer 14 Computer 20, 20a, 20b, 20c Payment information processing center 21a, 21b, 21c Router 22a, 22b, 22c Payment information processing center server 3,30 Factoring company 300 Factoring server device 310a, 310b, 310c Router 320 ADSL line modem 330 Firewall 340 Printer 350 Client 360 Factoring server 3610 Master table group 3610a Card company master table 3610b Merchant store master table 3610c Terminal master table 3610d Advance payment days master table 3610e Fee Master table 3610f Transfer fee master Table 3610g Agency master table 3620 Sales system table group 3620a Individual sales table 3620b Daily sales table 3620c Cumulative sales table 3630 Settlement system table group 3630a Individual settlement table 3630b Cumulative settlement table 3640 Revenue management system table group 3640a Revenue management table 3640b Claim management Table 4,40 Credit card company 50 Fine Nancy 60 Bank in charge of transfer 100 Communication network such as the Internet and Intranet 101,102,103 Communication line 200 ISDN line

Claims (6)

A plurality of terminal devices installed for each credit card member store, one or more payment information processing center server devices to which the plurality of terminal devices are connected via a communication network, and the one or more payment information processing centers A credit card system comprising one or more credit server devices connected to a server device via a communication network, further comprising the one or more payment information processing center server devices and the one or more credit server devices A factoring server device connected to each of the credit server devices via a communication network, and a finance server connected to each of the one or more settlement information processing center server devices and the factoring server device via a communication network And purchase credit card receivables using factoring In early reduction system to the JIT card merchant,
The factoring server device includes:
Sales data acquisition means for accessing the one or more payment information processing center server devices and acquiring sales data;
Sales storage means for storing the acquired sales data in a sales table;
Individual sales storage means for extracting only the sales data to be factored from the sales data stored in the sales table and storing it in the individual sales table;
Display means for displaying a list of individual sales data stored in the individual sales table;
Daily sales storage means for extracting daily sales data at a predetermined time every day from the sales data stored in the individual sales table and storing it in the daily sales table;
Display means for displaying a list of daily sales data stored in the daily sales table;
For each predetermined period, a combination of all credit card companies and credit card member stores subject to factoring is acquired from the fee master table, and sales data for the predetermined period is extracted from the daily sales table for each combination and accumulated. And cumulative calculation means for performing cumulative calculation of the sales data extracted and accumulated for a predetermined period,
A cumulative calculation storage means for storing the extracted sales data and cumulative calculation data in a cumulative sales table;
Display means for displaying a list of cumulative sales data and cumulative calculation data stored in the cumulative sales table;
A factoring server device in an early return system to a credit card member store by purchasing credit card receivables using factoring characterized by comprising: The factoring server device includes:
Input accepting means for accepting the input of the total sales amount information for each credit card member store of the credit card company and the card company granting member store code assigned to the member store by the credit card company;
Based on the card company granting member store code, the card company granting member store code in the fee master table is searched and extracted, and the member store code is extracted from the data file of the member store having the extracted card company granting member store code. Merchant code extraction means,
Based on the member store code extracted from the fee master table, the member store code of the individual settlement table is searched, and the member store data file hand extracting means for extracting the data file of the member store having the member store code;
Each fee amount calculated by multiplying a predetermined field of the member store data file extracted from the individual settlement table by the total sales amount information and each fee rate stored in the fee master table, Storage means such as sales amount to be stored;
Display means for displaying member store payment details information including the sales amount and each commission amount stored in the individual settlement table;
A cumulative settlement table creation accepting means for accepting a cumulative settlement table creation request;
Cumulative settlement information creation storage means for extracting and multiplying sales and each commission amount for a predetermined period from the individual settlement table and the cumulative sales table, and storing each in a predetermined field of each member store data file of the cumulative sales table; ,
Display means for displaying the cumulative payment details information stored by the cumulative payment information creation storage means;
The factoring server apparatus in the early return system to the credit card member store by purchase of the credit card receivable using the factoring of Claim 1 characterized by the above-mentioned. The factoring server device includes:
A transfer data creation request accepting means for accepting a transfer data creation request;
When accepting the transfer data creation request by the transfer data creation request accepting means, each data relating to the transfer bank is extracted for each credit card member store from the member store master table, and from the cumulative sales table and the cumulative settlement table, the credit card Transfer data file that extracts each data regarding the closing date and payment amount for each credit card merchant for each company, reads each of these data, and creates a transfer data file for each destination bank specified by the credit card merchant Creating means;
A transfer data file display means for displaying the transfer data file;
When the transfer data file is created, a paid update means for updating the payment category of the cumulative sales table and the cumulative settlement table to paid,
The factoring server apparatus in the early return system to the credit card member store by purchase of the credit card receivable using the factoring of Claim 1 or 2 characterized by the above-mentioned. The factoring server device includes:
A claim assignment statement creation request accepting means for accepting a claim assignment statement creation request;
When accepting a request to create a claim assignment statement by the claim assignment statement creation request accepting means, the sales amount data and each commission amount data are obtained from the daily sales table for each credit card member store, and the claims are obtained from these data. A receivable assignment statement creation means for creating a receivable assignment statement for receiving a transfer;
Receivable assignment details display means for displaying the receivable assignment details;
A claim assignment details storage means for storing the claim assignment details in a claims management table;
The factoring server apparatus in the early return system to the credit card member store by purchase of the credit card receivable using the factoring of Claim 1 thru | or 3 characterized by the above-mentioned. The factoring server device includes:
Revenue management information creation request accepting means for accepting a revenue management information creation request;
When receiving a request to create revenue management information by the revenue management information creation request receiving means,
Individual sales table, cumulative sales table, individual settlement table and cumulative settlement table individually for each member store fee, advance payment fee, receivable purchase fee, transfer fee (early payment) and transfer fee (due date payment) , A revenue management information creation means that creates revenue management information consisting of these data,
Revenue management information display means for displaying the revenue management information;
Revenue management information storage means for storing the revenue management information in a revenue management table;
The factoring server apparatus in the early return system to credit card member stores by purchase of the credit card receivable using the factoring of Claim 1 thru | or 4 characterized by the above-mentioned. The factoring server device includes:
Login accepting means for accepting login via a communication network from any computer having at least input means and display means;
Means for comparing the credit card member store code and the inquiry password transmitted from the arbitrary computer at the time of the login with each member store code and member store password stored in the member store master table;
Transaction content inquiry screen display means for displaying a transaction content inquiry screen on the display means of the arbitrary computer when the member store code and the member store password match by the comparison,
In the transaction details inquiry screen displayed on the display means of the arbitrary computer, when the transaction period and the credit card company name are input and transmitted to the factoring server device, it matches the credit card member store code from the cumulative sales table A payment transaction details screen display means for displaying a payment transaction details screen that displays sales information of early payment to perform credit card member stores and factoring corresponding to the transaction period;
On the payment transaction details statement screen displayed on the display means of the arbitrary computer, a due date settlement information detail button is displayed, and when the due date settlement information detail button is clicked, the credit card member store code from the accumulated settlement table is displayed. A due date settlement content detail screen display means for displaying a due date settlement content detail screen that displays sales information of due payment that does not perform factoring corresponding to the transaction period corresponding to the credit card member store,
The factoring server apparatus in the early return system to credit card member stores by purchase of the credit card receivable using the factoring of Claim 1 thru | or 5 characterized by comprising these.

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