METHOD AND SYSTEM FOR REDUCING DEBT AND IMPROVING FINANCIAL CONDITION OF DEBTOR IN BATCH FACTORING TRANSACTION BY ELECTRONICALLY-RECORDED MONETARY CLAIM

1 . A system for reducing a debt and improving a financial condition of a debtor in a batch factoring transaction by an electronically-recorded monetary claim, the system comprising:

a bridge service terminal having a business function of the batch factoring transaction by the electronically-recorded monetary claim, the bridge service terminal being connected to an ordering company terminal ( 1 ), a factoring company terminal, a supplying company terminal ( 2 ), and an electronic-monetary-claim recording institution terminal through an internet, characterized in that

the bridge service terminal includes factoring management means for performing processing including:

data management of a monetary claim ledger, a discount statement, monetary claim transfer through the factoring company terminal based on monetary claim statement data transmitted from the ordering company terminal ( 1 );

transmission of generation record/transfer record request data to the electronic-monetary-claim recording institution terminal;

record of an electronic record number and an electronic record date on the monetary claim ledger based on a record result notification transmitted from the electronic-monetary-claim recording institution terminal; and

creation of transfer data according to an application for prepayment received from a supplying company and generation of an accounting slip based on a discounted acquisition value,

the ordering company terminal ( 1 ), the factoring company terminal, and the electronic-monetary-claim recording institution terminal are enabled to transmit and receive data by a WEB: I/F function unit of the bridge service terminal,

the bridge service terminal includes monetary claim transfer management means for performing processing including:

transmission of a monetary claim purchase application from the factoring company terminal to the ordering company terminal ( 1 );

transmission of a monetary claim purchase acceptance notification from the ordering company terminal ( 1 ) to the factoring company terminal;

performing execution processing of monetary claim transfer from the factoring company terminal and generation of an accounting slip based on a discounted transfer value at the same time;

transmission of transfer record/payment record request data to the electronic-monetary-claim recording institution terminal; and

extinguishment of an electronically-recorded debt of an ordering company on the monetary claim ledger based on the record result notification transmitted from the electronic-monetary-claim recording institution terminal and transmission of a monetary claim extinguishment notification to the ordering company terminal ( 1 ), and

the supplying company terminal ( 2 ) transmits a prepayment application to a Fax: I/F function unit of the bridge service terminal from a date when an account receivable is fixed and the electronically-recorded monetary claim is recorded so as to enable capitalization before a due date.

2 . A method for reducing debt and improving a financial condition of a debtor in a batch factoring transaction by an electronically-recorded monetary claim, the method being for a system in which a bridge service terminal (A) having a business function of the batch factoring transaction by the electronically-recorded monetary claim is connected to an ordering company terminal ( 1 ), a factoring company terminal, a supplying company terminal ( 2 ), and an electronic-monetary-claim recording institution terminal through an internet, the method characterized by comprising:

performing, by the bridge service terminal (A), factoring management processing including the steps of:

performing data management of a monetary claim ledger, a discount statement, monetary claim transfer through the factoring company terminal based on monetary claim statement data transmitted from the ordering company terminal ( 1 );

transmitting generation record/transfer record request data to an electronic-monetary-claim recording institution (C);

recording an electronic record number and an electronic record date on the monetary claim ledger based on a record result notification transmitted from the electronic-monetary-claim recording institution (C); and

creating transfer data according to an application for prepayment received from a supplying company and generating of an accounting slip based on a discounted acquisition value, wherein

the ordering company terminal ( 1 ), the factoring company terminal, and the electronic-monetary-claim recording institution terminal are enabled to transmit and receive data by a WEB: I/F function unit of the bridge service terminal (A),

the data management of the monetary claim transfer by the bridge service terminal (A) includes the steps of:

transmitting a monetary claim purchase application from the factoring company terminal to the ordering company terminal ( 1 );

transmitting a monetary claim purchase acceptance notification from the ordering company terminal ( 1 ) to the factoring company terminal;

performing execution processing of monetary claim transfer from the factoring company terminal and generating an accounting slip based on a discounted transfer value;

transmitting transfer record/payment record request data to the electronic-monetary-claim recording institution terminal; and

extinguishing an electronically-recorded debt of an ordering company on the monetary claim ledger based on the record result notification transmitted from the electronic-monetary-claim recording institution terminal and transmitting a monetary claim extinguishment notification to the ordering company terminal ( 1 ), and

the supplying company terminal ( 2 ) transmits a prepayment application to a Fax: I/F function unit of the bridge service terminal from a date when an account receivable is fixed and an electronically-recorded monetary claim is recorded so as to enable capitalization before a due date.